Is there anyway to get decent homeowners insurance at a cheap ...

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My husband and are in the process of purchasing a small home. We are seniors living on a fixed income and have to watch every penny. We have two weeks to find the homeowners insurance and they all seem to be so high in price. Does anyone have any ideas how we find an affordable homeowners insurance?

Chosen Answer:

Not having any idea WHY they?re so high in price, they?re probably all going to be in the same ballpark.

It could be your claims history, it could be your location (Florida?), but if you?ve gotten multiple quotes, all in the same range, then that?s how much it?s going to cost.

You can lower your cost without sacrificing coverage by raising your deductible ? A LOT, or maybe you want to eliminate theft coverage from your policy.

There?s no shortcut, and there?s no ?secret? way to cut your insurance in half. I?m thinking you?re going to have to rethink this purchase, because insurance is usually part of the deal.
by: mbrcatz
on: 2nd August 10

Source: http://unoccupied-propertyinsurance.com/is-there-anyway-to-get-decent-homeowners-insurance-at-a-cheap-price/

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2 dead, 100 hurt in Ala. as storms pound South

Residents walk around through the debris of their neighborhood after a severe storm ripped through the Trussville, Ala., area in the early hours of Monday, Jan. 23, 2012. Jefferson County sheriff's spokesman Randy Christian said the storm produced a possible tornado that moved across northern Jefferson County around 3:30 a.m., causing damage in Oak Grove, Graysville, Fultondale, Center Point, Clay and Trussville. (AP Photo/Butch Dill)

Residents walk around through the debris of their neighborhood after a severe storm ripped through the Trussville, Ala., area in the early hours of Monday, Jan. 23, 2012. Jefferson County sheriff's spokesman Randy Christian said the storm produced a possible tornado that moved across northern Jefferson County around 3:30 a.m., causing damage in Oak Grove, Graysville, Fultondale, Center Point, Clay and Trussville. (AP Photo/Butch Dill)

Rescue workers help a family out of their neighborhood after a severe storm ripped through the Trussville, Ala. area early Monday, Jan. 23, 2012. Tornado warnings were issued in parts of central and northern Alabama in the early morning hours Monday as powerful storms rolled across the state. There were several reports of severe damage to homes. (AP Photo/Butch Dill)

Residents walk around through the debris of their neighborhood after a tornado ripped through the Trussville, Ala. area in the early hours of Monday, Jan. 23, 2012. Jefferson County sheriff's spokesman Randy Christian said the storm produced a possible tornado that moved across northern Jefferson County around 3:30 a.m., causing damage in Oak Grove, Graysville, Fultondale, Center Point, Clay and Trussville. (AP Photo/Butch Dill)

Residents walk around through the debris of their neighborhood after a tornado ripped through the Trussville, Ala. area in the early hours of Monday, Jan. 23, 2012. Jefferson County sheriff's spokesman Randy Christian said the storm produced a possible tornado that moved across northern Jefferson County around 3:30 a.m., causing damage in Oak Grove, Graysville, Fultondale, Center Point, Clay and Trussville. (AP Photo/Butch Dill)

Residents walk around through the debris of their neighborhood after a tornado ripped through the Trussville, Ala. area in the early hours of Monday, Jan. 23, 2012. Jefferson County sheriff's spokesman Randy Christian said the storm produced a possible tornado that moved across northern Jefferson County around 3:30 a.m., causing damage in Oak Grove, Graysville, Fultondale, Center Point, Clay and Trussville. (AP Photo/Butch Dill)

CLAY, Ala. (AP) ? Severe storms and possible tornadoes pounded the South on Monday, injuring more than 100 people and killing at least two in Alabama, including a man who lived in an area devastated by a deadly twister outbreak in the spring.

Homes were flattened, windows were blown out of cars and roofs were peeled back in the middle of the night in the rural community of Oak Grove near Birmingham. As dawn broke, residents surveyed the damage and officials used chainsaws to clear fallen trees.

Oak Grove was hit hard in April when tornadoes ravaged Alabama, killing about 240 people, though officials said none of the same neighborhoods was struck again. Officials had to reschedule a meeting Monday to receive a study on Alabama's response to the spring tornadoes.

"Some roads are impassable, there are a number of county roads where you have either debris down, trees down, damage from homes," said Yasamie Richardson, a spokeswoman for the Alabama Emergency Management Agency.

An 82-year-old man died in Oak Grove and a 16-year-old girl was killed in Clay, Jefferson County sheriff's spokesman Randy Christian said.

The storm system stretched from the Great Lakes to the Gulf of Mexico, producing a possible tornado that moved across northern Jefferson County around 3:30 a.m., causing damage in Oak Grove and other communities, Christian said.

As day broke, searchers went door-to-door calling out to residents, many of whom were trapped by trees that crisscrossed their driveways.

In Clay, northeast of Birmingham, Stevie Sanders woke up around 3:30 a.m. and realized bad weather was on the way. She, her parents and sister hid in the laundry room of their brick home as the wind howled and trees started cracking outside.

"You could feel the walls shaking and you could hear a loud crash. After that it got quiet, and the tree had fallen through my sister's roof," said Sanders.

The family was OK, and her father, Greg Sanders, spent the next hours raking his roof and pulling away pieces of broken lumber.

"It could have been so much worse," he said. "It's like they say, we were just blessed."

In Clanton, about 50 miles south of Birmingham, rescuers were responding to reports of a trailer turned over with people trapped, City Clerk Debbie Orange said.

Also south of Birmingham, Maplesville town clerk Sheila Haigler said high winds damaged many buildings and knocked down several trees. One tree fell on a storm shelter, but no one was injured, Haigler said. Police had not been able to search some areas because trees and power lines were blocking roads.

In Arkansas, there were possible tornadoes in several areas Sunday night. The storms also brought hail and strong winds as they moved through parts of Arkansas, Tennessee, Illinois and Mississippi.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/3d281c11a96b4ad082fe88aa0db04305/Article_2012-01-23-Severe%20Weather/id-14750f164fad444c8eb06b03c04f307c

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Study: Stem cells may aid vision in blind people

LOS ANGELES (AP) ? Scientists?are reporting hints that embryonic stem cells?can ease blindness in some people.

It's the first results from the use of embryonic stem cells in humans.

The research published online Monday in the journal Lancet involved two legally blind patients. They received an injection of cells derived from embryonic stem cells in one eye.

One had the "dry" form of age-related macular degeneration and the other had a rare disease that causes serious vision loss.

After four months, both did better on a standardized eye test.

The work was done by scientists at the University of California, Los Angeles and Advanced Cell Technology in Massachusetts. A third patient in London last week underwent a similar stem cell injection as part of the company's ongoing tests.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/bbd825583c8542898e6fa7d440b9febc/Article_2012-01-23-Stem%20Cells-Blindness/id-6a6834e42e2c490baab0b3d45bf017cc

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Minn. bear delivers at least 2 cubs on Internet

ELY, Minn. (AP) ? A 3-year-old bear in Minnesota has given birth to at least two cubs before an Internet audience.

Lynn Rogers of the Wildlife Research Institute, affiliated with North American Bear Center, says Jewel gave birth in a den near Ely to the first cub at 7:22 a.m. Sunday, and a second at 8:40.

According to the Duluth News Tribune (http://bit.ly/xuFrjP), Rogers says a third cub might have been born at 9:08 a.m., but the den camera's view was blocked.

Rogers and his colleagues recorded the birth of a bear named Hope in 2010. A Hunter killed Hope last year.

Jewel is the younger sister of Lily, who gave birth to Hope. A hunter killed Hope last year.

___

Online:

North American Bear Center: http://www.bear.org

___

Information from: Duluth News Tribune, http://www.duluthsuperior.com

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-01-22-US-Internet-Bear-Sister/id-203799182ea4455cbba6af0e99be3812

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How Do I Quit a Job I Just Started? [Ask Lifehacker]

Dear Lifehacker,
I started a new job a month ago and now realize it's not really a good fit for me. Even after a month I'm still not comfortable and I dread going in every morning. Can I quit without looking like a total jerk?

Photo by Quinn Dombrowski.

Sincerely,
Anxious About Quitting

Dear Anxious,
Ouch. We've all had that sinking feeling. You get home from work and realize you're unhappy and it dawns on you: You may have made a bad job decision. It is possible to leave without screwing everyone over, but you should consider a few things before you make your choice.

How to Know It's Time to Quit

Starting a new job is jarring. Your schedule changes, your workday is mixed around, and you're bombarded with new information around every corner. You have to learn the politics, people's names, your boss' quirks, and new systems for everything. For the first few days or weeks, you might be anxious and confused. If a month or two pass and you still don't feel comfortable, it might be time to think about leaving. Career coach Jeanne Knight suggests asking yourself a few questions first.

• Is it just the newness of the job?
• What will I learn if I stay in this job?
• If the scope of the job has changed, can it be renegotiated?

Answering these questions can shed some light on why you feel the need to leave. If the workload is more than you expected, you can try to renegotiate your pay or benefits accordingly. Think about the schedule change and the newness of the job as well. Did you go from waiting tables to a 9 to 5 office job? It might take longer to grow accustomed to a new routine.

Sometimes, though, you just know in your gut a job isn't right for you. I once worked at a Papa John's restaurant for a single evening and knew within the first hour I was never going back. My solution? Like the pompous teenage jerk I was, I no-called, no-showed. Don't do that. Instead, let's look at a few of the best ways to make a respectable exit. Photo by Rusty Haskell.

How to Give Your Notice

If you answered the questions above and decided your new job isn't right for you, it's time to give your notice. It's easy to just stop showing up (it's not like you've formed any lasting bonds), but it will burn the bridges you made with the company and your coworkers, and, frankly, it's just poor form.

I talked with Julia Nelson, lead recruiter at First Western Trust Bank to see how a human resources department prefers to handle a situation like this. She has two suggestions for two different types of circumstances:

Once you start, if something about the job, your manager, or the company comes as a surprise and clashes with your moral or other values (for example, they're asking you to steal puppies, never mentioned puppy stealing before, and stealing puppies makes you feel terrible), give a courtesy two week notice, but mention that you would feel more comfortable quitting right now.

The above advice can also be applied if you're feeling overwhelmed at a position where you're relied on for the safety of others. Whether it's caring for senior citizens or teaching snowboarding to children, if you don't feel like you can do the job right, ask to leave immediately. But what about when you just think the job sucks and it's not what you want? Julia offers this advice:

If it is something more than boredom and uncertainty, speak to your manager openly about your concerns. Maybe you can unearth why they weren't brought up in the interview process and move forward on better footing. Maybe you will mutually decide this is just not a good fit. In this instance you can offer two weeks notice, but they may ask you to leave sooner. I suggest offering two weeks notice because you don't want to burn any bridges, but exhaust all options before you come to the conclusion to leave.

Finally, if it's absolutely time to drop the position, job search engine Monster adds that you should be completely honest and apologetic when giving your notice in person. Don't lie about the reasons or make excuses, just tell your employer how it is. Leaving is beneficial for them in the long run if you're not a good fit, so don't feel guilty or make excuses. Photo by CedarBendDrive.

Don't Forget to Sweat the Small Stuff

No matter how rough a job is, don't forget to factor in the income and benefits you lose when you leave. If you don't have another job lined up, make sure you have enough cash tucked away to cover your living expenses before you put in your notice. Even if you leave because you found a better job, benefits can take anywhere from a month to a year to set in. If you're reliant on health insurance consider the time you won't be covered. We've looked at how to find health insurance on your own before, but the options, unfortunately, aren't great. The same goes for other benefits you're leaving behind, including retirement plans, flex plans, or other investments. Check with your boss or human resources department for how to transfer your plans into a new or personal account.

Prevent it from Happening Again

Hopefully you learned from your mistake, but if you decide to leave, chances are you're already planning on interviewing again. Julia has one simple suggestion for preventing the situation from happening again:

As a job seeker, you have the right to ask many, many questions of the hiring manager and HR team before you decide if you would like to take a position. You are interviewing a company just as much as they are interviewing you. Before you accept a position you should be able to envision yourself in the office, know some of the team you would be working with, understand what is expected of you in the role, and have a good "gut" feeling about going to that job everyday.

It's good advice regardless of when you're interviewing, but if you're coming hot off the heels of a poor job choice, it's a solid technique to assure yourself you're making the right decision. Hopefully you're comfortable with your decision to leave (or stay), and good luck in your next job search! Photo by Samuel Mann.

Sincerely,
Lifehacker

P.S. Have you walked out of a job right after starting? We'd love to hear your experiences in the comments.

Source: http://feeds.gawker.com/~r/lifehacker/full/~3/L9TGruJ7-dM/how-do-i-quit-a-job-i-just-started

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Comet's fiery plunge may tell us how planets form

For the first time, scientists have caught a glimpse of a comet's final minutes before it was vaporized by the sun.?The comet was flying at about 1.4 million miles an hour.

For the first time, scientists have caught a comet in the Icarus-like act of zipping too close to the sun ? and watched as it paid the ultimate price.

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In catching a glimpse of the comet's final vaporization, researchers not only have been able to piece together a detailed picture of the comet itself ? something usually reserved for spacecraft fly-bys. They also may have a found a way to use similar comets as test dummies for making key measurements of the sun's atmosphere, or corona.

And by throwing the break-up process into reverse, they may be able to answer a nagging question tied to the formation of planets in the solar system some 4.5 billion years ago: How does the clumping process that gathers tiny dust grains into ever bigger lumps and finally to planet-size objects really work?

The comet observations, published in the Jan. 20 issue of the journal Science, "are pioneering a new form of cometary study," writes Carey Lisse, a researcher at the Johns Hopkins University's Applied Physics Laboratory in Laurel, Md.

The comet, C/2011 N3, was discovered July 4, 2011, a scant two days before its demise, as researchers looked at data from the Solar and Heliospheric Observatory (SOHO) spacecraft, a joint NASA-European Space Agency project.

Sun-grazing comets, such as C/2011 N3, are nothing new to SOHO. It has observed more than 2,100 of them, according to NASA. It finds them with an instrument designed to mask the sun's disk so the instrument can observe the glowing corona.

But that's also a problem. Sun-grazers SOHO sees vanish behind this mask. And like Las Vegas, what goes on behind the mask stays behind the mask.

It took data from three craft ? SOHO, as well as NASA's STEREO and Solar Dynamics Observatory ? to piece together the full picture of C/2011 N3's final 20 minutes.

The C/2011 N3 belongs to a family known as Kreutz sungrazers ? a vast collection of comet fragments thought to have come from the break-up of a larger comet around 2,500 years ago. Scientists estimate that the parent object's nucleus was as large as 60 miles across. Comet Halley, which makes its closest approach to the sun every 75 years, has a nucleus roughly 7 miles across.

Based on its observations, the team, led by Lockheed Martin Corporation solar physicist Karel Schrijver, estimates that C/2011 N3 was hurtling toward the sun at about 1.4 million miles an hour ? fast enough to turn a three-day trip to the moon into a four-hour sprint. When it vanished, it had closed within 62,000 miles of the sun's surface.

Source: http://rss.csmonitor.com/~r/feeds/science/~3/vVYBZ8PIa4U/Comet-s-fiery-plunge-may-tell-us-how-planets-form

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Pet People: Understanding Our Pet's Intuition | Petside

The inordinate numbers of animal lovers I have encountered over the years have always shown me how gifted they are when it comes to communicating with their pets. Not only do they understand what their pets are ?talking? about, but they are also enthralled with what they are ?saying?. I just adore the words they use to relate to fellow animal lovers about what their pets are doing, and especially how deeply they treasure each and every moment they spend with them.

Since these devoted pawrents are often audaciously accused of being anthropomorphic by those with little or no experience with furry companions, I think it?s high time we pet lovers take a stand and ?tell them how it is?, letting them know that pet people rock!

For instance: Today, with the easy access to the Internet many pets enjoy, there is nothing more delightful than reading the message boards that some communities provide for pets to express their feelings. And while it takes a little practice to become fluent in ?cat-speak? or ?canine-chatter?, in my humble opinion, it?s always a good idea to now and again check out what Fluffy or Fido may be saying about their human companion.

To demonstrate exactly what I am talking about, the other day one of my ?cyber-sisters? sent me an email with a link to a video which proves my point. While the original video uploaded to YouTube by hkbecky of two cats appearing to be boxing with one another was amusing, JustinCElliott, one very ?tuned-in? cat lover, grasped the true meaning about what these kitties are actually doing while they play with one another.?

With total comprehension about these two adorable felines? behavior, Justin cleverly voiced over hkbecky?s presentation, capturing its true essence (which I imagine is the reason Justin's version recieved over 13,240,465 hits while hkbecky's only recieved 175,582). This dubbed video clearly demonstrates how those blessed with feline purrception exemplify the need to delve a little more deeply into similar situations in order to appreciate the incredible range of feline play.

So take a moment to enjoy ?meeting? Goo and Yat Jai, the stars in this video gone viral, ?Patty Cake Cats?.

Cats are so talented, don?t you agree? Share your thoughts in a comment.

Source: http://www.petside.com/article/pet-people-understanding-our-pets-intuition

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