Personal Umbrella Liability Basics ? Focused on Risk

It?s an unfortunate fact that accidents happen ? and it?s not uncommon for jury awards and out-of court settlements to run into the millions. While it?s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current liability insurance offers you enough protection?

For example, what if:

• Your teenager runs a stop sign, causing a serious accident?
• A deliveryman falls on your sidewalk and is seriously injured?
• A babysitter is injured by your otherwise friendly dog?

If you are found to be legally responsible for injuring someone or damaging their property, without a personal umbrella liability insurance policy, anything beyond the limits of your standard liability insurance coverage will come out of your own pocket.? Standard liability insurance generally includes homeowners, renters, auto, and watercraft policies.

Like an umbrella that protects you from the rain, a personal Umbrella Liability policy provides an extra layer of insurance coverage over your standard liability policies. It protects your personal assets by kicking in when your standard liability coverage is exhausted.

How Much Coverage Do I Need?
You?ll want to take into consideration not only your total personal assets but also your potential personal risks.? For example, do you operate a business in your home and have employees and clients to your home on a regular basis? Does your profession or location of your home make you an easy target for a big settlement? Determine your personal risks to evaluate the amount of additional liability coverage that makes the most sense for you.

Coverages start at $1 million, and go as high as $5 million. When considering the value of the umbrella policy, discuss your personal needs with your insurance agency.

How Much Does Coverage Cost?
Additional liability insurance is inexpensive when compared to the added coverage you gain.? Depending on the policy value and your personal risk factors, such as recent auto tickets, your credit rating, etc., a $1 million umbrella policy typically costs less than $300 annually. Costs go up an additional $50 ? $75 for each million thereafter.

Don?t wait for a rainy day to find out you need the additional protection a personal Umbrella Liability policy can provide.

Who Needs an Umbrella Liability Policy?
You do! Contrary to popular belief, Umbrella Liability policies are not just for the wealthy. It?s recommended that everyone should consider carrying an umbrella policy.? If you engage in a high-risk activity or hobby that increases your odds of getting sued (such as having a teenage driver, owning a swimming pool, or entertaining frequently), it is wise to supplement your insurance with a personal Umbrella Liability policy.

Call Mary Lewis at CS&A Insurance today at 800-999-1109 to discuss your unique needs and learn about all of our liability insurance solutions. For more info about CS&A please call or check us out on Facebook, Twitter, and YouTube as well as our web sites.

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Source: http://focusedonrisk.com/2013/01/14/personal-umbrella-liability-basics/

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Cambridge Cognition & Ixico award branding project for The Brain ...

Integrated marketing agency, KISS Communications has completed a branding project for The Brain Health Centre, a joint project by Cambridge Cognition, a world leading provider of computerised cognitive assessment products and IXICO.

Cambridge Cognition and world-class imaging company, IXICO were awarded a grant from the Government-funded Biomedical Catalyst to build and test a prototype national dementia early diagnosis service, aiming to reduce time to diagnosis from 18 months to 3 months. The advanced imaging and testing technologies combined by IXICO and Cambridge Cognition?provide a decision support tool for early diagnosis of dementia.? It is hoped that by providing easy to understand, actionable information for health care providers, including GPs, will lead to rapid treatment and support for British dementia patients.

GPs in the test area will refer patients who need further assessment for possible dementia to one of two Brain Health Centre types ? one based in a hospital Memory Clinic (located at The Maudsley Hospital, part of South London and Maudsley NHS Foundation Trust), and the second a mobile community based service, which might be parked outside local health centres ensuring convenience for patients and their families. GPs will have already ensured that only patients who need further investigation are referred to the community Brain Health Centres by using Cambridge Cognition?s new CANTABmobile? software on an iPad, which, in less than 10 minutes, differentiates between patients with normal and abnormal memory.

The Brain Health Centres combine cutting edge digital technologies, previously only available to pharmaceutical companies conducting expensive clinical trials, and aims to make this available cost-effectively to all patients being investigated for possible dementia in the NHS.

The company turned to creative marketing specialists, KISS Communications to brand the new Brain Health Centre and develop an interim web site.

Simon Fryer, CEO of KISS Communications, said, ?Cambridge Cognition is a fantastic, innovative company to work with and we are very proud to have a small part in the roll out of this transformational world leading technology?.

Simon Merritt, Marketing Director at Cambridge Cognition said, ?KISS were quick to understand the brief and operationalise their work to a very challenging timeframe.?

?ends?

Notes to Editor:

About KISS Communications www.kisscom.co.uk

KISS Communications is the integrated agency built on the philosophy of keeping things simple. Our experienced team energise brands that aspire to be number one in their category, gain distribution and increase sales around the world.

We provide strategy, advertising, design, branding, digital, exhibition and public relations services. The KISS guiding principles are to have a lack of unnecessary complexity in everything we do whilst delivering maximum effect with minimum means.

The agency has won an impressive number of blue chip clients, including Anglian Water, Bokomo Foods UK, PlastiKote, Booking.com, Johnson Matthey, Bosch, SISK and Maersk, and successful SMEs including One Nucleus, Balancing Blooms, Horizon Discovery, IMRG, Real-Status, Intergence, and Cambridge Past, Present & Future.

For further information, please contact:

Justine Smith / Laura Brown

T: 01223 911 123 or 0208 12345 75

natalie_job@kisscom.co.uk / laura@kisscom.co.uk

www.kisscom.co.uk

www.kisspr.co.uk

http://twitter.com/KISStalk

About IXICO:
IXICO Ltd is a leading medical imaging company that provides software solutions and services to deliver imaging biomarkers in clinical trials, research studies and health care diagnostics.

IXICO?s clinical trial technologies include its TrialWire? electronic data transfer portal and its TrialTracker? Image Management System. This technology optimises imaging trial workflows and ensures regulatory compliant image handling for clinical trials.? It also provides a platform for imaging informatics and is deployed at major UK academic institutions.? IXICO?s quantitative brain image analysis platform quantifies brain atrophy for research purposes, and pending medical device approval, provides a decision support tool for the diagnosis of dementia within the EU.? This technology can transform the diagnostic process in healthcare and enable health care providers to offer better care to patients and their families by identifying people at risk of developing disease and monitoring disease progression.? IXICO is committed to developing solutions for the diagnosis of dementia and other neurological diseases as stand-alone tools and in combination with other technologies.

As a full service Imaging Contract Research Organisation (ICRO), IXICO offers comprehensive capabilities with global reach predominantly in the CNS, Oncology and Musculoskeletal fields and across all major imaging modalities.? IXICO provides a variety of central assessments that can be used as imaging endpoints in clinical trials to assess subject eligibility and drug safety and efficacy, and has designed its systems to address the critical areas of imaging in clinical trials from data acquisition to image analysis and reporting.

About Cambridge Cognition:
Cambridge Cognition is a world leading provider of computerised cognitive assessment products.? The company?s range of touch-screen CANTAB? neuropsychological tests, originating from work at the University of Cambridge, and highly validated in several hundred peer-review publications, are used by both academic ?scientists ?in their research, and clinical researchers in the pharmaceutical industry, to maximise knowledge of cognitive function.? In addition, the company is committed to broadening the access to this technology and is developing clinical healthcare products under the CANTAB Mobile brand, which will improve the monitoring, management and maintenance of cognitive health and wellbeing. ?Using these assessments, clinicians can identify and stratify patients in order that patient referrals are accurate and efficient, enabling?health and social care providers to deliver more effective advice, treatments and care ? leading to better outcomes for patients and their families.

About CANTABmobile?:
CANTABmobile? is a new assessment for memory aimed at GPs and physicians in hospitals that was launched by Cambridge Cognition in May 2012. It is medical software that is downloaded onto an iPad in the form of an App, and helps GPs to understand whether a patient has a clinically relevant memory problem comparing the test results to a stored database within the App of over 5000 patients.? Currently available with over 20 languages, the product is being piloted within a variety of clinical and community settings within the NHS and deployed in a number of Clinical Commissioning Groups.? For further information:?www.cantabmobile.com

Tags: Branding, health care, marketing, Website

Source: http://www.opportunitypeterborough.co.uk/bondholder/news/cambridge-cognition-ixico-award-branding-project-for-the-brain-health-centre-to-kiss-communications

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Kenny Britt Wanted For Questioning In New Jersey #NCAA #Sports

Click here to enter drawing for $250 book scholarship

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Kenny Britt Wanted For Questioning In New Jersey #NCAA #Sports
Police in New Jersey want to speak with Tennessee Titans wide receiver Kenny Britt in connection with a stabbing incident over the weekend.
Source: feedproxy.google.com

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Source: http://secsportswire.com/2013/01/14/kenny-britt-wanted-for-questioning-in-new-jersey-ncaa-sports/

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Will EPA Chief?s Departure Prompt Better Energy Policy?

Last month's announcement from Environmental Protection Agency Administrator Lisa Jackson that she would be leaving her post touched off much speculation over the reasons for her decision. Though the agency itself toed an official line, some say Jackson was picking up stakes ahead of a brewing controversy over whether she used a pseudonym E-mail address to engage in harsh attacks on coal-produced energy. Others say Jackson is eying a run at public office in New Jersey.

Given that the respected Competitive Enterprise Institute had to file suit to gain access to these 12,000, hitherto unknown E-mails, there may yet be some fire to the smoke of scandal that many commentators believe they've sighted. Regardless, the end of Jackson's tenure also provides a convenient pause to assess the Obama-era EPA's role in energy policy?and the look back is not particularly rosy.

[See a collection of political cartoons on energy policy.]

Aside from imposing brutally expensive regulations affecting electricity production, such as the $9.6 billion Utility MACT rule and other punitive measures against coal power, the? EPA was roundly criticized for considering ways to implement, through administrative fiat, failed legislation to impose a cap-and-trade national energy tax.?

In 2011, my organization published a report from National Economic Research Associates raising serious concerns over the EPA's inflated claims that the Clean Air Act would generate $2 trillion of annual economic benefits by the year 2020. At first blush this figure seems wildly exaggerated, given that the size of the entire U.S. economy is projected to be about $20 trillion by that time. And at second blush, it looked no better. The EPA's number was based on a methodology called "willingness to pay," which reflects individual attitudes about pollution risks. In fact, a more clear-headed EPA analysis, based on macroeconomics, suggested the Clean Air Act's impact would range from a loss of $110 billion to a gain of $5 billion.

Equally troubling was EPA's refusal to suspend corn-ethanol production mandates amid rising food prices late last year, despite pressure from many points on the political spectrum to do so.

[See a collection of political cartoons on the economy.]

Add to these rather dubious reflections on the Jackson years another recent, strange revelation: EPA apparently cast aside traditional permitting procedures to create a negative ecological assessment of a mine in Alaska?one whose proposed construction does not even exist in formal plans yet. As Dr. Bonner Cohen concluded in a National Center for Public Policy Research analysis released just days ago:

What is to keep the agency from using its interpretation of Section 404 (c) of the Clean Water Act to discourage other mining companies and investors from pursuing promising projects? Once the precedent has been set that the EPA can preemptively shut down a mining project without regard to the permitting process, what company and what investor will risk time and capital in a doomed effort to win a regulatory game the EPA has rigged?

[See 2012: The Year in Cartoons.]

Such a warning could apply equally to the many oil and gas projects that have the potential to transform our nation into a net energy exporter by the end of the decade, raising the important issue of where the EPA is headed next. Will it throw up new impediments to construction of the job-creating Keystone XL Pipeline, just as it appears that the White House might recognize the wisdom of moving forward? Will it stand in the way of environmentally responsible oil and natural gas extraction methods (i.e., hydraulic fracturing) which are helping communities in Pennsylvania and other states recover from the recession? This is no idle question, and it has energy experts in full crystal-ball mode.

To be sure, the head of an agency can only do so much to change the institution's political culture. Yet, President Obama's choice to lead the EPA?unannounced at the time of this writing?could send important signals to America's oil and gas industry. Since the campaign season of 2012 began in earnest, President Obama's team has, according to industry leaders, been somewhat less adversarial toward traditional energy development. Nonetheless, more encouraging signs are needed. An EPA nominee who understands the importance of sensible rather than reckless regulation could be one welcome harbinger of a better year ahead for job creation at home, competitiveness abroad, and even the government's own fiscal position.

Source: http://www.usnews.com/blogs/on-energy/2013/1/15/will-epa-chiefs-departure-prompt-better-energy-policy?s_cid=rss:on-energy:will-epa-chiefs-departure-prompt-better-energy-policy

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Illinois float among 8 in inauguration parade

Illinois float among 8 in inauguration parade
January 15, 2013 03:09 CST

SPRINGFIELD, Ill. (AP) -- The Presidential Inaugural Committee says a float honoring Illinois will be among eight commissioned by the committee in Monday's parade after President Barack Obama is sworn in.

Illinois is Obama's home. But the float honors the Prairie State as First Lady Michelle Obama's native land.

Floats for Hawaii and Pennsylvania represent the birthplaces of President Obama and Vice President Joe Biden. One for Delaware honors the home of Biden and his wife, Jill.

Monday is the observance of the Rev. Martin Luther King Jr.'s birthday. The late civil rights leader's float will feature his quote, "Out of the mountain of despair, a stone of hope."

Other floats will honor the civil rights movement, the Tuskegee Airmen and the inaugural theme, "Our People. Our Future."

Online: Presidential Inaugural Committee: http://tinyurl.com/agwrler

Source: http://wicd15.com/template/inews_wire/wires.regional.il/29e874b6-wicd15.com.shtml

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Buying a House with Friends : Ardor New York Real Estate Blog

By Rehna on January 14th, 2013

Let?s face it; paying rent sucks. It?s usually just money that?s going to nothing. However, while the thought of owning a home might be appealing, the fact is you just might not be able to afford it on your own. But what if you have a friend you were splitting costs with?

Nowadays, more and more friends have been pooling their money together to buy a home. You might hear the term ?mingles? being used to describe them. And it seems banks are even catching onto the trend, as more and more lenders are tailoring specific loans to friends looking to make a home purchase together.

And while there are many positives to such a relationship (your rent might be exactly the same, but now you?re both building equity with those monthly payments), there are definitely some other factors that you need to consider.

1.) How well do you know your friend? If you?ve known this person since childhood and are personally aware of the fact that they have never paid a bill late in their entire lives, then that?s a pretty good sign. Keep in mind though, if you guys are planning on living together in this house, are you ready to have them as a roommate? Just because you get along well doesn?t mean you can live together. Everyone has a few little quirks that might be deal-breakers to a roommate.

2.) Discuss finances after the fact. Your credit score and putting in for a home loan aren?t the only things you need to consider. After you own the home, how much do each of you have for an emergency fund? Do both of you have enough money saved to pay for burst pipes or a failed roof? Homeownership between two people leaves no room for financial secrecy.

3.) Have you hired the right people? It?s not only important to hire an experienced real estate agent, but also an experienced real estate attorney. Since the paperwork will be different than that of a single buyer or a married couple, it?s very, very important that every, single detail be reviewed by an attorney. This will not only force you both to review each document in detail so you are both well prepared for the commitment, but it will clear things up should anything happen that would need to be settled in the future.

4.) Have you drawn up a lease? Even though you both own the home, a lease is an absolute must should things ever go downhilllater. A lease should specify cohabitation terms. People change, and you want to make sure the person you are planning on living with does not change into a terror of a roommate. Then your hands are tied. A lease will ensure a comfortable and expected living space for both of you. Don?t be too nervous though, a lease can always be changed or adjusted in the future.

5.) Have you looked into insurance? Many couples both buy insurance separately, naming the other party as the beneficiary. This way, if one of you meets an untimely death, the other won?t be left in hot water.

Source: http://www.ardorny.com/blog/index.php/2013/01/buying-a-house-with-friends/

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Smart Staging Shows Home in Best Light - San Diego Real Estate ...

After you have put your home up for sale, you are ready to begin the home staging process. You will no doubt want to have this completely finished prior to welcoming what is sure to be a virtual tsunami of potential homebuyers and interested parties into your home. Their primary purpose for being there is to judge, scrutinize and mentally grade or rank your home against other real estate properties they may have already visited.

Why Home Staging is Important

If you are maybe thinking that home staging is not important, or not worth the effort, or not a worthwhile use of your time, or any number of other reasons to skip this process, you would miss out on one of the cheapest, easiest and quickest ways to showcase your home in its best light.

Home staging share a number of qualities with setting the stage for individual scenes in a theater production, such as a play or musical performance. Even though most of these qualities evoke an intangible impact on their respective audiences, making it relatively hard to measure their impact, you can rest assured that they both do have an impact.

Imagine if you went to a play that was supposed to take place in a house or apartment and when the opening curtain is drawn, there is only an empty stage, or there is furniture, but it?s arranged in an apparently haphazard manner. You would no doubt form an opinion about this living space based on your first impression of it.

So, in order to ensure they see your home in its best possible light, consider trying these home staging tips:

Search and Research

This step is especially important if it has been a couple of years or more since you last sold a home. Real estate is kind of like clothing when it comes to fashion trends, various color hues and many other mostly visual factors. Thankfully, the internet makes this incredibly easy. Search for home staging articles or blogs, examine photos and watch videos. Then actually attend a few open houses in your area. All of these measures will serve to stimulate your imagination and creative impulses, which you can then unleash upon your own home.

Depersonalize

One of the most difficult steps in the home staging process, but also one of the most vital, is to remove as much of yourself from your home as possible, or at the very least, from the primary living spaces. The biggest reason why this is so hard for people to accomplish is that we all tend to fall into patterns in just about every facet of our lives.

So, you might remove all of the obvious personal items, such as family photos, seasonal and other knick-knacks and the like, which is a perfect start, and think you?re done. At this point, however, it would behoove you to get the opinion of your real estate agent or other outside party. You might be surprised at what they find.

Use Priority Staging Techniques

You do not need to stage your entire house. Most folks who come to look at your home will primarily focus their attention on the relatively large and most used rooms, such as the kitchen, living room and master bedroom.

Home staging gives you the power to control, or at least manipulate, potential buyers? first impression of your home. And we all know that you never get a second chance to make a first impression.

After you have put your home up for sale, you are ready to begin the home staging process. You will no doubt want to have this completely finished prior to welcoming what is sure to be a virtual tsunami of potential homebuyers and interested parties into your home. Their primary purpose for being there is to judge, scrutinize and mentally grade or rank your home against other real estate properties they may have already visited.

If you are maybe thinking that home staging is not important, or not worth the effort, or not a worthwhile use of your time, or any number of other reasons to skip this process, you would miss out on one of the cheapest, easiest and quickest ways to showcase your home in its best light.

Home staging share a number of qualities with setting the stage for individual scenes in a theater production, such as a play or musical performance. Even though most of these qualities evoke an intangible impact on their respective audiences, making it relatively hard to measure their impact, you can rest assured that they both do have an impact.

Imagine if you went to a play that was supposed to take place in a house or apartment and when the opening curtain is drawn, there is only an empty stage, or there is furniture, but it?s arranged in an apparently haphazard manner. You would no doubt form an opinion about this living space based on your first impression of it.

So, in order to ensure they see your home in its best possible light, consider trying these home staging tips:

Search and Research

This step is especially important if it has been a couple of years or more since you last sold a home. Real estate is kind of like clothing when it comes to fashion trends, various color hues and many other mostly visual factors. Thankfully, the internet makes this incredibly easy. Search for home staging articles or blogs, examine photos and watch videos. Then actually attend a few open houses in your area. All of these measures will serve to stimulate your imagination and creative impulses, which you can then unleash upon your own home.

Depersonalize

One of the most difficult steps in the home staging process, but also one of the most vital, is to remove as much of yourself from your home as possible, or at the very least, from the primary living spaces. The biggest reason why this is so hard for people to accomplish is that we all tend to fall into patterns in just about every facet of our lives.

So, you might remove all of the obvious personal items, such as family photos, seasonal and other knick-knacks and the like, which is a perfect start, and think you?re done. At this point, however, it would behoove you to get the opinion of your real estate agent or other outside party. You might be surprised at what they find.

Use Priority Staging Techniques

You do not need to stage your entire house. Most folks who come to look at your home will primarily focus their attention on the relatively large and most used rooms, such as the kitchen, living room and master bedroom.

Home staging gives you the power to control, or at least manipulate, potential buyers? first impression of your home. And we all know that you never get a second chance to make a first impression.

Tags: home staging, living spaces, real estate

This is filed under Home Buying, Home Selling.

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Source: http://www.openoffer.com/open-voices/2553/uncategorized/smart-staging-shows-home-in-best-light/

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