Saving energy

Saving energy

saving energy

Because of rapidly growing economies in the developing
world and continued growth among the industrialized nations,
global energy use is climbing. As a result, supplies are
tight. Prices are rising. And energy users are calling for
practical alternatives. The good news is we’ve got a huge
source of alternative energy all around us. It’s called
conservation and it’s the lowest cost new source of energy
we have at hand. A reduction of just 5% of global energy
use would save us the equivalent of over 10 million barrels
of oil a day. Clearly, saving energy is like finding it.


U.S. women’s soccer team blanks New Zealand in Olympic opener

U.S. women’s soccer team blanks New Zealand in Olympic opener

United States goalkeeper Hope Solo was targeted for abuse by Brazilian fans on Wednesday night as the women’s national team began its quest for a fourth straight Olympic gold medal by defeating New Zealand 2-0 in Belo Horizonte.

Starting in the second half, Solo was booed by local supporters at Estadio Mineirao in Belo Horizonte — with fans loudly chanting “Zika” every time she cleared the ball from her penalty area


Carli Lloyd and Alex Morgan both scored, with Lloyd making her 89th international goal and Morgan her 68th. Team USA is looking for its fourth consecutive Olympic gold medal, and if they are successful, they will become the first team, male or female, to win the World Cup and Olympic gold back-to-back. Next, they play France, ranked third in the world, then Colombia.

The Americans controlled the ball throughout, with a 63 percent to 37 percent edge in possession. New Zealand was given three yellow cards in the game.

For Morgan, 27, the goal was her 68th in international competition. It came after a sequence of crisp passes between the Americans that set up Morgan’s strike.


If the U.S. team felt any jitters in this game, they could be excused: While New Zealand’s “Football Ferns” — ranked 17th in the world — are not to be overlooked, the American squad is playing under pressure, chasing their fifth gold in the past six Olympics and vying to become the first team, male or female, to win the World Cup and Olympic gold back-to-back.

The Rio Olympics don’t officially open until Friday. But the Canadian women’s soccer team helped kick off competition Wednesday with a pulsating 2-0 win over Australia despite being a player down for 70-plus minutes.


Captain Christine Sinclair set the stage for Olympic history, intercepting a pass to set up Janine Beckie’s goal just 21 seconds into the game — a tap-in that enters the Games record book as the fastest in soccer competition.

“It was a dream start,” said captain Sinclair. “I don’t think we could have drawn it up better for us. I am super proud of our team – the fight we showed and the spirit. It was a huge win for us.”

What is the meaning of mortgage loan?

What is the meaning of mortgage loan?


A mortgage is a loan in which property or real estate is used as collateral. The borrower enters into an agreement with the lender (usually a bank) wherein the borrower receives cash upfront then makes payments over a set time span until he pays back the lender in full.


Mortgage loans are usually entered into by home buyers without enough cash on hand to purchase the home. They are also used to borrow cash from a bank for other projects using their house as collateral.

There are several types of mortgage loans and buyers should assess what is best for their own situation before entering into one. Types of loans are characterized by their term dates (usually from 5 to 30 years, some institutions now offer loans up to 50 year terms), interest rates (these may be fixed or variable), and the amount of payments per period.


[If you’re ready to buy a home, use our Mortgage Calculator to see what your monthly principal and interest payment will be.]

Mortgages are like any other financial product in that their supply and demand will change dependent on the market. For that reason, sometimes banks can offer very low interest rates and sometimes only they can only offer high rates. If a borrower agreed upon a high interest rate and finds after a few years that rates have dropped, he can sign a new agreement at the new lower interest rate — after jumping though some hoops, of course. This is called “refinancing.”


You and your co-borrower, if you have one, will need to provide your lender with documentation to verify your employment history, creditworthiness and overall financial situation. The following documents will be required:
W-2s (for the last 2 years)
Recent pay stubs (two most recent consecutive)
Bank statements for all financial accounts, including investments (for the last 2 months, all pages)
Signed personal and business tax returns (all pages and relevant schedules)
If self-employed, a copy of most recent quarterly or year-to-date profit/loss statement
A copy of the signed Purchase and Sales Agreement
Your lender may require more documents, depending on your circumstances and the type of mortgage for which you’re applying. You can expect your lender to ask you details about your employment and financial history. With your permission, your lender will also run your credit report as part of the process.

There are many kinds of loans, but one of the most well-known types is a mortgage. Mortgages are secured loans that are specifically tied to real estate property, such as land or a house. The property is owned by the borrower in exchange for money that is paid in installments over time. This enables borrowers (mortgagors) to use property sooner than if they were required to pay the full value of the property upfront, with the end goal being that the debtor eventually comes to fully and independently own the property once the mortgage is paid in full. This arrangement also protects creditors (mortgagees). In the event that a debtor repeatedly misses mortgage loan payments, for example, his or her home and/or land may be foreclosed upon, meaning the lender once again takes ownership of the property to recoup financial losses.

Aaron Rodgers’s brother Jordan gets a big win on ‘The Bachelorette’

Aaron Rodgers’s brother Jordan gets a big win on ‘The Bachelorette’

Aaron Rodgers may have a Super Bowl ring, but after a huge, nationally televised win of his own Monday, Jordan Rodgers got to put a ring on it. The younger brother of the Packers’ quarterback became the last man standing — or, in his case, kneeling — on “The Bachelorette,” getting engaged to JoJo Fletcher.

“The Bachelorette” star handed out her final rose Monday night during the highly anticipated season 12 finale.
Spoilers below.


The soon-to-be Mr. Fletcher is… Jordan Rodgers. Yes, it was as predictable as the ending to a Disney movie. It seemed obvious ever since episode one that Fletcher was going to pick Rodgers. So it came as no surprise when he got down on one knee and professed his love to Fletcher, saying, “I love you so much. I fell in love with us first … you made me believe that love doesn’t need to have scripts … I’m looking in your eyes and I know … you’re my best friend and my soulmate and I want to choose you over and over and over again,” and it definitely wasn’t surprising when she gleefully accepted his proposal.
But did Fletcher make the right choice?
So who did JoJo pick as her knight in shining armor: Robby the Coiffed Dreamboat; or Jordan, Dude Who Is Related to Aaron Rodgers But Doesn’t Want to Talk About It? Read our minute-by-minute recap of the finale and After the Final Rose special below!


What a time to be alive, the future is now, Chris Harrison for President, etc. (And be sure to start at the beginning if you want to read it in chronological order.)

Despite the struggles that have come with letting their love blossom on national television, Fletcher and Rodgers are enjoying their newly engaged bliss, insisting they’ve never considered breaking up: “That was something that never happened,” says Fletcher.

And the former football player said they expected the curveballs they’ve been thrown and are prepared to take on life together.


“It all goes back to when I got down on one knee,” he said. “I promised on that day that no matter what life throws at us, we’re going to get over that. So it’s been difficult, but that’s what we expected. We expected that there would be bumps, but she’s the person I want to do it with and do life with.”

What Is Comprehensive Auto Insurance?

What Is Comprehensive Auto Insurance?

Comprehensive auto insurance covers damage caused by incidents other than a car accident, including theft, fire, vandalism, weather, falling objects and animal damage. It isn’t required by law, but it may be a good idea depending on the value of the car you’re driving. In fact, drivers of leased or financed cars are often required to obtain this insurance in order to protect the car owner or lender’s investment. Although separate from collision insurance, a driver must typically have collision insurance in order to be able to purchase comprehensive coverage [sources: Allstate, Maine Bureau of Insurance].
When people hear the word “comprehensive,” they might think “all-encompassing”— but in car insurance terms, the word has a different meaning.


Comprehensive coverage may help protect your car against damages that are not related to a collision, such as:

Natural disasters (like a hurricane or a tornado)
Falling objects
Damage done to your car by animals
A civil disturbance (like a riot that results in damage or destruction of your car)
As with all insurance policies, you should check with your insurance agent to make sure what perils are included under the comprehensive coverage of your auto insurance policy.
Optional cover

You can add options to your policy to increase your Comprehensive Car Insurance cover.

Hire Car: if your car is involved in an incident other than theft we’ll pay the cost of a hire car up to $65 a day for up to 14 days
Windscreen: repair or replace your vehicle’s windscreen, sunroof, or window glass without paying the basic excess
No Claim Bonus Protection: your No Claim Bonus won’t change for the first claim you make in a policy year, even if you’re the driver who caused the incident


Low prices for good drivers

Hey, you’re a good driver. So why should you have to pay higher premiums to subsidise those “higher-risk” drivers? We don’t think it’s fair. So we filter out those high-risk drivers who’d push your premiums up, and simply don’t insure them. The result? Lower premiums for you. Just as it should be.

How does Budget Direct compare to other insurers?

Just how low are our prices? Use the Budget Direct Comparitron™ to see how much our customers told us they saved when switching from other car insurance companies to us. In two minutes you can also get a comprehensive car insurance quote online and see for yourself what our prices look like. And if you’re thinking that cheap car insurance can’t also be the best insurance, then take a look at our past and recent awards or browse through our reviews page to see what others think – and form your own opinion.

Ultimately, the car’s value is the most important factor in determining whether comprehensive coverage is a good idea. In the event that a covered car is damaged, the most that this coverage will pay out is the cash value of the car at the time it was damaged, less the deductible amount. For a car that’s not worth much – perhaps because it’s old or banged up – the payout may be less than or equal to the cost of the insurance [source: Allstate].

Consider for example a car worth $1,000 at the time that it is mauled by a cougar that escaped from the local zoo (or, more likely, stolen or damaged by a falling tree branch). If the owner has comprehensive insurance with a $500 deductible, the most the coverage will pay is $500. With comprehensive rates averaging about $113 a year, a driver who’s paid for the coverage for four or five years may get a payout close to what the driver has already paid in premiums. One common rule of thumb is that the annual cost of comprehensive auto coverage should be less than 10 percent of the vehicle’s cash value [source: Consumer Reports].

Draymond Green Apologizes for Posting NSFW Photo of Himself on Snapchat

Draymond Green Apologizes for Posting NSFW Photo of Himself on Snapchat

“I kinda hit the wrong button and it sucks. It was meant to be private”

NBA’s Golden State Warrior forward Draymond Green apologized Sunday after posting an intimate picture of himself on social media.

The U.S. Olympic team player shared the explicit picture earlier that morning on Snapchat, according to ESPN.

Green said he knew instantly he made a mistake and took the photo down.


“It was a situation where it was meant to be a private message,” Green said. “I kinda hit the wrong button and it sucks. It was meant to be private. We’re all one click away from placing something in the wrong place, and I suffered from that this morning.”

Green made his comments prior to Team USA’s practice at the Toyota Center.

Draymond Green’s Sunday Snapchat story took a turn for the worse when he posted a picture of his manhood to the popular social media platform. Amazingly, the photo remained on Green’s account for a fair amount of time before he took it down.
In June, he apologized for being suspended for Game 5 of the NBA Finals for punching LeBron James in the groin, an act that came one series after Green was shown kicking Oklahoma City Thunder center Steven Adams in the groin during the Western Conference finals.


Green apologized again earlier this month, for allegedly slapping a Michigan State football player, forcing Green to reach a plea deal to avoid jail time. And just when things were getting quiet, Green finds himself involved in another fiasco, this time on social media.

He wasn’t arrested. He’s not under any investigation. He’s not facing another suspension. But he made another mistake.


It’s unclear how long Green’s NSFW image was up on Snapchat. He didn’t immediately respond to a request for comment.

Things, though, haven’t gone well for him of late. During the NBA finals, he was harshly suspended for Game 5, his team ultimately lost and then he was arrested for allegedly assaulting a Michigan State football player.
It seems clear that if you do intend to send intimate images via your phone, it’s best to focus very carefully. Check and double-check. Make sure the picture is cropped just so and the addressee is clear, singular and might welcome such a snap.

Personal Producing General Agent (PPGA)

Personal Producing General Agent (PPGA)

Dictionary of Insurance Terms for: Personal Producing General Agent (PPGA)

individual appointed by the insurance company as an independent contractor. The agent receives various expense allowances for office-associated expenses and direct commissions on products sold as well as overriding commissions on products sold by other company agents. The PPGAusually has contracts to sell products from many different insurance companies. Insurance companies usually make available to the PPGA advanced sales technical support by supplying technicians and computer software and, in some instances, computer hardware.

In insurance, a managing general agent is defined legally as “an individual or business entity appointed by an insurer to solicit applications from agents for insurance contracts or to negotiate insurance contracts on behalf of an insurer and, if authorized to do so by an insurer, to effectuate and countersign insurance contracts”. (This particular wording is from Kentucky Revised Statutes.[1] Similar wordings can be found in the statutes of Oklahoma, Idaho, Arizona, Nevada, Wyoming, Florida, and Alabama.)


In the U.S. and Canada, managing general agents act as a “fronting” system for insurers, allowing filings to be made and proofs of insurance to be given in each other’s jurisdictions.[2]

Depending on the appointment, a managing general agent may perform one of many tasks normally performed by an insurer. These include but are not limited to, sub-contracting with independent agents for placement of business, negotiating commissions, handling claims, issuing policies, processing endorsements, collecting policy premiums or being responsible for completion of regulatory reports for state or federal agencies.

There are a variety of different life insurance policies available, with different objectives, benefits, and costs, and different ways of marketing these policies.

With simple products, such as term life insurance, the direct response system is the most cost effective for the consumer, because the marketing of such products is much cheaper than using an agency network and the competition is much greater. Direct response marketing solicits business through advertising through traditional media, by telemarketing, or by the use of the Internet. The Internet makes its especially easy for consumers to compare policy benefits and prices, especially at the many sites devoted to comparing insurance prices.


For the insurer, the direct response model allows the insurer to sell to a much larger population than would be feasible using agents, and for much less money.

The nonbuilding agency system uses independent agents who are already selling life insurance, sometimes referred to as personal-producing general agents. The insurance company hires the agents as independent contractors through contract and pays the agent above average commissions in exchange for a stipulated minimum of business. These agents are not required to hire and train new agents for the insurer so they can focus specifically on selling. If the insurance company wants to expand the number of agents, it simply hires more independent agents.