Monday, September 3, 2012

Auto insurance for a classic car

Classic car owners understandably have a great amount of pride in their possessions. But while they might spend many hours restoring and maintaining their cars, many don`t pay any attention when it comes to insuring them. Here are some of the basics on insuring classic cars.

What is a classic car?

Insurers vary according to their definitions of a classic car. In general, cars built between 15 and 25 years ago are considered "classic," while those older than 25 years are considered "antique." Make sure an insurance company considers your vehicle a classic before signing on the dotted line.

What does classic car insurance actually cover?

The amount of protection varies according to the policy. Comprehensive coverage is typically the same for a classic car as it is for a modern car but with a few extra restrictions.

Insurance policies often limit how many miles per year you can drive your classic vehicle. Many insurers also put restrictions on who can drive the vehicle.

Some policies put mandates on classic car storage. Because these cars frequently attract the attention of vandals and car thieves, many insurers require you to fit your car with approved security devices and store it in a locked garage.

Many insurance companies also offer insurance coverage for replacement parts. These policies are worth looking into if you have a valuable classic vehicle or you want any replacements to be truly authentic.

What should I do before getting insurance quotes?

Before obtaining price quotes for classic car insurance, there are several determinations you have to make. Will you be driving your classic automobile all year long or will it be just a "show and shine" car that you only drive on special occasions or during club events?

The mileage is one of the most important considerations when shopping around for insurance policies. While some insurers limit your driving miles to 2,500 per year to get special classic car rates, other companies place no limits on your mileage but still restrict you from driving your classic car as basic transportation, such as to and from work every day.

Note the appraised value of your classic car. This is very important since insurance companies can`t use pre-assigned values for classic cars in the same way as they do for newer models. In addition, classic cars typically appreciate in value over the years rather than depreciate like the regular-use vehicles do.

Make sure that you get the "true value" of the car rather than the "market value." You`ll likely have to pay slightly higher premiums, but you will have the peace of mind from knowing that the insurance company will pay out your vehicle`s full worth if it has to be written off.

Snap good, clear pictures of both the inside and outside of your car. Make a note of any modifications you have made that change your car from a stock vehicle. Insurance companies often require riders for engine modifications such as adding a turbo or a supercharger.

How much does classic car insurance cost?

The good news is that insurance premiums on classic cars are frequently less expensive than for newer models because the classics are driven less often than regular-use, modern vehicles and tend to be better maintained. Because of those two factors, insurance companies receive fewer claims on classic automobile policies.

Numerous specialist insurers cater to those wanting to cover classic cars, but several mainstream providers also offer coverage. As with any other type of auto insurance, prices vary widely. Shop around to find the best price for the level of coverage that works for you.

When shopping around for classic car insurance, don`t just buy the first policy that you find. Inexpensive insurance is out there for those of you want coverage for your old cars and classics.

Source: http://www.cheapautoinsuranceplace.com/auto-insurance-for-a-classic-car/

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Sunday, September 2, 2012

AP analysis: Iran may be pushing to nuke threshold

FILE- In this April, 9, 2007, file photo Iranian President Mahmoud Ahmadinejad, speaks at a ceremony in Iran's nuclear enrichment facility in Natanz, 300 kms 186 (miles) south of capital Tehran, Iran. Iran's denials that it is trying to develop nuclear weapons carry a distinctly hollow ring among its foes as the U.N. nuclear watchdog piles on worries: Complaining about limits on inspection access and reporting that Tehran is expanding its nuclear fuel labs. But, as Israel increasingly weighs the option of a military strike, Western leaders wary of another Middle East conflict may have to pay closer attention to the claims. (AP Photo/Hasan Sarbakhshian, File)

FILE- In this April, 9, 2007, file photo Iranian President Mahmoud Ahmadinejad, speaks at a ceremony in Iran's nuclear enrichment facility in Natanz, 300 kms 186 (miles) south of capital Tehran, Iran. Iran's denials that it is trying to develop nuclear weapons carry a distinctly hollow ring among its foes as the U.N. nuclear watchdog piles on worries: Complaining about limits on inspection access and reporting that Tehran is expanding its nuclear fuel labs. But, as Israel increasingly weighs the option of a military strike, Western leaders wary of another Middle East conflict may have to pay closer attention to the claims. (AP Photo/Hasan Sarbakhshian, File)

FILE - In this Wednesday Feb. 15, 2012 file photo, released by the Iranian President's Office, claims to show Iranian President Mahmoud Ahmadinejad, second left being escorted by technicians during a tour of Tehran's research reactor centre in northern Tehran, Iran. Iran's denials that it is trying to develop nuclear weapons carry a distinctly hollow ring among its foes as the U.N. nuclear watchdog piles on worries: Complaining about limits on inspection access and reporting that Tehran is expanding its nuclear fuel labs. But, as Israel increasingly weighs the option of a military strike, Western leaders wary of another Middle East conflict may have to pay closer attention to the claims. (AP Photo/Iranian President's Office, File)

This Aug. 13, 2004 satellite image provided by DigitalGlobe and the Institute for Science and International Security shows the military complex at Parchin, Iran, 30 km (about 19 miles) southeast of Tehran. Iran's denials that it is trying to develop nuclear weapons carry a distinctly hollow ring among its foes as the U.N. nuclear watchdog piles on worries: Complaining about limits on inspection access and reporting that Tehran is expanding its nuclear fuel labs. But, as Israel increasingly weighs the option of a military strike, Western leaders wary of another Middle East conflict may have to pay closer attention to the claims. (AP Photo/DigitalGlobe - Institute for Science and International Security)

FILE- In this Feb. 15, 2012, file photo, provided by the Iranian President's Office, Iranian President Mahmoud Ahmadinejad, right, is escorted by technicians during a tour of Tehran's research reactor center in northern Tehran, Iran. Iran's envoys are heading for nuclear talks with confidence that the chips are falling their way. Iran's denials that it is trying to develop nuclear weapons carry a distinctly hollow ring among its foes as the U.N. nuclear watchdog piles on worries: Complaining about limits on inspection access and reporting that Tehran is expanding its nuclear fuel labs. But, as Israel increasingly weighs the option of a military strike, Western leaders wary of another Middle East conflict may have to pay closer attention to the claims. (AP Photo/Iranian President's Office, File)

(AP) ? A "big and unforgivable" sin. A Western falsehood. An attempt to deprive developing nations of peaceful nuclear technology.

That's how Iran's supreme leader addresses allegations that the Islamic Republic seeks atomic weapons.

Iran's denials ? while forceful and delivered from the pinnacle of its ruling Islamic system ? can carry a distinctly hollow ring among its foes as the U.N. nuclear watchdog piles on worries: Complaining about limits on inspection access and reporting that Tehran is expanding its nuclear fuel labs in a virtually attack-proof underground site.

They are enriching uranium far beyond what's needed for their lone energy reactor and preventing inspection, adding to the urgency while repeatedly predicting Israel will be destroyed and actively supporting militancy in the region.

But, as Israel increasingly weighs the option of a military strike, Western leaders wary of another Middle East conflict may have to pay closer attention to the claims by supreme leader Ayatollah Ali Khamenei and others. Quite possibly, they may be telling the truth. Or at least to a point.

Iran could be shaping its nuclear ambitions after Japan, which has the full scope of nuclear technology ? including the presumed ability to produce warhead-grade material ? but has stopped short of actually producing a weapon. It creates, in effect, a de facto nuclear power with all the parts but just not pieced together.

More than two years ago, Iran's Parliament Speaker Ali Larijani essentially embraced Tokyo's nuclear model during a visit to Japan that included a stop in Nagasaki, of the two cities destroyed by American atomic bombs World War II.

Larijani met with Japanese officials and praised the country's nuclear program as a symbol of a third path that dates back to the 1970s, when then Japanese Prime Minister Tsutomu Hata told reporters that Japan "certainly" could possess nuclear arms "but has not made them."

The major difference, however, is Israel and other U.S. allies, such as Saudi Arabia. They would have to adapt to a huge balance-of-power shift with Iran on the doorstep of having nuclear arms.

Following Japan's path would allow Iran to push their nuclear technology to the limit while being able to claim it has adhered to its international pledge not to develop a bomb.

Yoel Guzansky, an Iranian affairs expert for Israel's Institute of National Security Studies, believes Iran could be adopting a Japan-style policy to reach a "nuclear threshold."

"Israeli can't live with the uncertainty of a nuclear threshold state," he said. "Iran could push over (to weapons capability) at any given moment."

The world, however, has absorbed the game-changing nuclear arms development of states such as China and Pakistan. Israel, too, is believed to have a nuclear arsenal although officials neither confirm nor deny its existence.

This is where Iran might seek seams in the unity of the West and its allies: Could some live with an almost-armed Iran rather than risk a war that could send oil prices skyrocketing and risk spilling conflict across the region?

On Thursday, Israeli Prime Minister Benjamin Netanyahu said he would make his anti-Iran case "in a clear voice" later this month at the U.N. General Assembly, which is expected to include Iranian President Mahmoud Ahmadinejad as head of the Iranian delegation.

In March, Netanyahu colorfully dismissed Iran's claims of having peaceful nuclear aims: "If it looks like a duck. If it walks like a duck. If it quacks like a duck, then what is it? That's right, it's a duck. But this duck is a nuclear duck."

"We've heard all these stories from the Iranians," said Paul Hirschson, an Israeli foreign ministry spokesman. "Nobody believes (Khamenei) ... There is no other explanation other than a nuclear military program."

Khamenei gives a wholly different portrayal ? which, if nothing else, adds to pressure on Israel to allow time for Western sanctions to possibly force concessions from Iran.

"I declare that the Islamic Republic of Iran has never been after nuclear weapons and it will never abandon its right for peaceful use of nuclear energy," Khamenei told a gathering of the 120-member Nonaligned Movement in Tehran on Thursday.

The group, which includes mostly developing nations in Asia, Africa and South America, was an especially receptive audience. The summit's final communique Friday said all countries had the right to development and use of nuclear energy for peaceful purposes. It notably cited Iran.

Khamenei and other Iranian officials strongly push the belief that nuclear technology should not just be in the hands of a few countries, but available to all under U.N. treaties. It's part of Iran's wider efforts to become a scientific leader to challenge the West in areas such as aerospace and military systems.

Iran on Saturday signed a scientific and technological cooperation agreement with North Korea, which is already believed to have assisted Iran in missile development.

Khamenei earlier this week also repeated his view that pursuit of nuclear weapons violates Islam and is a "big and unforgivable sin."

"Nuclear arms have neither provided security nor boosted political power," Khamenei said in a speech broadcast live on Iranian state TV.

The U.S. and allies seek to roll back Iran's nuclear enrichment program, which they fear could eventually lead to atomic weapons.

But Khamenei's address suggested that Iran could push its enrichment beyond levels needs for medical applications and its lone energy-producing reactor. Already, military commanders have discussed plans for a nuclear-powered sub, which would need uranium at near weapons grade.

A report Thursday by the U.N.'s International Atomic Energy Agency concluded that Iran now has 1,000 uranium-enrichment centrifuges at the subterranean Fordo site south of Tehran ? more than double the number since May. Fordo is still small compared with Iran's main enrichment facility, but it is considered to have more advanced equipment and is protected under 90 meters (300 feet) of mountain rock.

The report also said Iran has effectively shut down inspections of a separate site ? the Parchin military complex ? suspected of being used for nuclear weapons-related experiments, by shrouding it from spy satellite view with a covering.

U.N. Secretary-General Ban Ki-moon, who attended the Tehran conference, said urged Iranian officials to "take concrete steps to build international confidence in the exclusively peaceful nature of its nuclear program." Ban's team in Tehran included Jeffrey Feltman, a former top U.S. State Department official who now works at the U.N.

But a report by the Washington-based Center for Strategic and International Studies said the latest U.N. nuclear report raises the prospect of a deepening standoff.

"The IAEA reports Iranian actions that raise growing questions about whether Iran will ever agree to meaningful disclosure, inspection and other verification measures covering its nuclear efforts," wrote Anthony Cordesman, a Mideast expert at the center.

___

Brian Murphy is bureau chief in Dubai and has covered Iranian affairs for more than 12 years. Associated Press writer Daniel Estrin in Jerusalem contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-09-01-Iran's%20Nuclear%20Narrative-Analysis/id-7ebe7853cb184d5184f97b4606ecfdce

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Boy sticks head out of party bus, hits NJ overpass

(AP) ? A teenager on his way to a Sweet 16 party was killed after he put his head out of the emergency hatch of a double-decker bus and hit the underside of a New Jersey highway overpass, police said.

The 16-year-old was among 65 teenagers aboard the bus Friday night as it crossed the George Washington Bridge from New York City, said Al Della Fave, spokesman for the Port Authority of New York and New Jersey.

The accident occurred at the Fletcher Avenue overpass of Interstate 95 at about 6:30 p.m.

Alex Franco, a security guard on the bus, told the Daily News that he had warned the teens to leave the hatch alone.

"I told them not to open the hatch, like three or four times, but kids, they don't understand," he said.

Franco said he went downstairs to tell the driver that it was getting too hot.

"It was very hot. Everybody was dancing. Two, five minutes I was downstairs," he said. "Then I heard two guys screaming, 'Oh, my God, oh, my God.'"

The teenager was pronounced dead at a hospital, police said.

Designer Transportation, which operates the bus, expressed its "deepest heartfelt sympathy" for the boy's family.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-09-01-Party%20Bus-Fatal/id-89ace3ab96734cd9b06ce5bf44dad2cd

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Syria: Double blast hits army post in Damascus

AMMAN, Jordan (AP) ? Two bombs exploded near the Syrian military's joint chiefs of staff's offices in central Damascus on Sunday, lightly wounding four army officers and causing damage to a building and cars, state television said.

The twin blasts in the posh Abu Rummaneh district of the Syrian capital were the latest in a wave of bombings to hit Damascus in the recent month as clashes between government troops and rebels reached the tightly controlled capital.

There was no immediate claim of responsibility for Sunday's bombings, which Syrian government officials said appeared to target a building under construction near the offices of the joint chiefs of staff. The building, which is officially known as the Guards Battalion and was empty at the time of the blast, serves as a base for army officers who guard the joint chiefs of staff offices, which are located some 200 meters (yards) away.

Several past bombings have targeted the security establishment in Damascus, most notably a July blast that killed four senior security officials, including the defense minister and President Bashar Assad's brother-in-law.

The government officials, speaking on condition of anonymity because they are not authorized to brief the media, said the wounded Sunday were army officers and that they were hospitalized with unspecified "minor wounds" and later discharged.

Footage broadcast on Syrian state TV broadcast showed a damaged building with debris strewn across the street. The blasts punched a hole in one of the building's walls, and blew out the windshield and windows of an SUV parked nearby.

Sunday's twin bombing was the second in recent weeks to hit Abu Rummaneh. On Aug. 15, a bomb attached to a fuel truck exploded outside the Dama Rose hotel where U.N. observers stayed before ending their mission to Syria. That blast, which hit a military compound parking lot, wounded three people.

Late Saturday, a car bomb near a Palestinian refugee camp in a suburb of Damascus killed at least 15 people, according to Syria's state news agency. SANA said Sunday the explosion in the suburb of al-Sbeineh also wounded several people and caused heavy damage to buildings in the area.

It blamed the blast on an "armed terrorist group," the term it uses to describe the rebel Free Syrian Army seeking to topple Assad, but did not provide further details.

When Syria's unrest began last year, the country's half-million Palestinians at first struggled to remain on the sidelines. But in the past months, young Palestinian refugees ? enraged by mounting violence and moved by Arab Spring calls for greater freedoms ? have been taking to the streets and even joining the rebels.

Syrian's uprising began in March 2011 with largely peaceful protests, but has since morphed into a civil war in the face of a brutal government crackdown. Activists say at least 20,000 people have been killed so far.

While the military largely has been able to quell the offensive rebels launched in Damascus in July, it is still struggling to stamp out a rebel push in the northern city of Aleppo.

The Britain-based Syrian Observatory for Human Rights said the military pounded rebel holdouts in Aleppo, the country's largest city and commercial capital, on Sunday. There was also fighting in central city of Homs, Idlib province on the border of Turkey and suburbs near Damascus.

The Observatory said several people were killed in the violence, but did not have any figures.

___

Associated Press writers Bassem Mroue in Beirut and Albert Aji in Damascus contributed to this report.

Source: http://news.yahoo.com/syria-double-blast-hits-army-post-damascus-114133859.html

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Saturday, September 1, 2012

rainbow-road-to-happiness: So I went to Church today, and I found this pamphlet, thinking it would...

I just reblog whatever makes me smile......and pigeons will one day rule the world....yeopp :)

Thank you so much for stopping by, you should like leave me a message to make my day or something ;D

You are awesome, have an amazing day :D this is my face lol and this is stuff about me

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PUBLISIDE: THIS! RT @andrewperloff: Are NFL replacement officials workin SC-Vandy? That guy really missed an easy interference call on 4th down there.

Sorry, Readability was unable to parse this page for content.

Source: http://twitter.com/PUBLISIDE/statuses/241357772111900673

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FDIC bans former banker from similar jobs

Stephen Bradley Budner, 33, a former employee of Cache Bank & Trust in Greeley, is prohibited from participating in the affairs of any insured depository financial institution under a consent agreement with the Federal Deposit Insurance Corp.

The FDIC released its July enforcement actions on Friday.

Investigators from the Weld County District Attorney?s office had arrested Budner in July 2011 on a charge of theft of $20,000 or more. According to the affidavit, Budner allegedly embezzled more than $258,000 from bank customers.

Budner worked at Cache Bank & Trust from 2002 to 2009, and was assigned to the trust department where he was tasked with administering retirement account plans for various bank customers, according to a Fox31 report on the case.

The FDIC found that Budner had ?engaged or participated in violations, unsafe or unsound banking practices, and/or breaches of fiduciary duty as an institution-affiliated party of Cache Bank & Trust,? and that because of those actions, the bank ?has suffered or will probably suffer financial loss or other damage and/or respondent received financial gain or other benefit.?

His actions ?involve personal dishonesty on the part of the respondent or demonstrate the respondent?s willful and/or continuing disregard for the safety and soundness of the bank,? the FDIC said.

The FDIC further determined that ?such violations, practices and/or breaches of fiduciary duty demonstrate the respondent?s unfitness to serve as a director, officer, person participating in the conduct of the affairs or as an institution-affiliated party of the bank, any other insured depository institution.?

Heather Draper covers banking, finance, law and the economy for the Denver Business Journal and writes for the "Finance Etc." blog. Phone: 303-803-9230.

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