Basics About Condo Insurance In Chicago

byAlma Abell

If you are new to condominium ownership, you might be surprised at just how much it varies from single-family home ownership. With the latter, you are required by your lender and by the law to carry insurance, but with a condo, it is different. Especially as it relates to condo insurance in Chicago. As an example, you are not generally required by the law to buy condo insurance in Chicago since the structure is often covered through a policy that has been purchased by the condo board.

[youtube]http://www.youtube.com/watch?v=DvIrRMvB6TA[/youtube]

Of course, that same board may insist that each homeowner has insurance that protects the property. Either way, it is always advisable to have independent condo insurance in Chicago (and anywhere else, for that matter).

Why? Whether or not your property is covered by a master insurance policy purchased by the board, you always want more than just basic protection. HO-6 protection, another name for condo insurance, is going to give you coverage against liability claims and will usually cover costs if your home becomes uninhabitable. This is why it is so frequently described as a “walls-in” policy. While the shared coverage provided by a board will often focus on common areas, it may not include flood insurance.

In fact, there are a variety of these master policies (often broken down into bare walls coverage that is quite limited and covers everything owned by the association; single entity coverage that covers all the bare walls issues as well as fixtures inside condos; or all-in coverage that is comprehensive and quite ideal), but most still leave you in need of condo insurance in Chicago.

When you obtain your own coverage, the interior of the condo along with all of your personal property is covered. It provides you with that loss of use coverage mentioned a bit earlier as well as protecting you from liability. As an example of how both types (the master policy and the coverage you would purchase on your own) work together, consider floors. If the flooring in the hall outside of your condo’s main entry is damaged, the master insurance from the condo board covers it. However, if something damages the floors inside of the condo, your HO-6 coverage would take care of it.Do you think you need to buy some condo coverage in Chicago? If so, get in touch with the experts at Great Northern Insurance Agency, Inc. to learn about your options and address all of your insurance needs.

Wikipedia and sister projects prepare new, easier interface

 Correction — 15 April 2010 The switch to Vector for Wikipedia was not planned on April 5; that was for the Wikimedia Commons according to a post by the Wikimedia Technical Blog
This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Sunday, March 28, 2010

Wikipedia, one of the top ten websites on the internet, will soon be receiving a face lift. The first part of the change is a new skin called Vector. This skin, currently used on Wikinews, will be enabled for Wikipedia on April 5th and provide a more updated look and feel. The second part will change the toolbar when editing, and is intended to ease common tasks. Both changes are important to encourage new people to edit and update content. The improvements have been tested by more than 500,000 beta-testers.

The wiki code will also be altered; editors will be able to change tables data and other elements with what is intended as an easier form, in addition to editing an article while watching it.

On the other hand, the staff of Wikimedia requested more editors to add and update articles in their wikis. Wikipedia is a website maintained by users in unprecedented numbers. Maintenance and updating processes are dependent on just one percent of their users. Based on some statements, fewer than a thousand users do the maintenance and updating work.

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British schools to inform parents of overweight children

Tuesday, August 5, 2008

Starting in September, British schools will inform parents of their child’s weight in an attempt to deal with the growing issue of obesity, according to an announcement by the Department of Health (DoH).

Nearly 23% of children aged 4-5 are overweight or obese, with that figure growing to nearly 32% for children aged 10-11. Standard procedures in schools involve weighing and measuring children in schools to determine their body mass index (BMI). The information is passed on to the National Health Service (NHS) to determine the extent of obesity in the area.

Parents will soon be sent a letter of their child’s weight, including advice on what to do if the child is overweight. However, government ministers have ruled that “offensive” language, such as “obese” or “fat” will not be allowed to be used in the letters, with words such as “overweight” being used instead.

The letters will provide useful information to parents, such as the problems caused by obesity like diabetes, and how to overcome these problems. Research has shown that parents often do not realise their child is overweight, and the letters will be a “wake-up call” to them.

“We have to get the balance right between being a nanny state and a neglectful state,” said Will Cavendish, the director of health and wellbeing at the DoH.

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Knife Sharpening Experts: Stamped Knives Vs. Forged Knives

By Len Q.

We all agree. If a knife isn’t sharp, what’s the use, right? The sharpness of the blade will make all the difference in the world. And sharpness is largely dependent upon the quality of the blade material from which the knife is made. You’ll need to determine whether or not to get a forged knife or a stamped knife. Let’s make it clear.

Stamped Knives. Stamped knives are stamped out of, or cut from, sheets of metal using a template of predetermined size and shape. This process is called precision machining. As most of these stamped knives are generally flat and thin, the process is done quite quickly. But because they are so thin, they aren’t that dense and do not hold their edges very long. Unfortunately, this means more frequent sharpening is required by stamped knives than forged knives.

As a matter of fact, some stamped knives sets claim that you needn’t ever sharpen them. They’ll stay sharp for a lifetime, the package will say. Please, don’t believe that. All things change over time, including the sharpness of a knife’s edge.

The blade of a stamped knife is usually fitted and fastened onto its handle and is not, therefore, thought of as a solid piece of metal. A loose handle could easily result in your having to throw the knife away. Such a waste. It’s good to know that not all stamped handles are this way. Some stamped knives have handles that are fitted over the tang.

Stamped knives are also lighter, and have less balance, than forged knives. So you’ll have to grip it fairly tightly and have to use much more pressure whenever you use them. Doing so will increase risk of injury.

[youtube]http://www.youtube.com/watch?v=cWETnY9kfew[/youtube]

Advantages: Fairly inexpensive. Lighter in weight.

Disadvantages: Usually unreliable handles. Requires more force, more ork from the user. Increased risk of injury during strenuous jobs. Poorly balanced. Needs frequent sharpening.

Forged Knives. Forged knives are not stamped. They are carefully made with great attention to detail. Steel is heated to extreme temperatures and set in a mold. It is than hammered out to form the blade. As a result, forged knives are denser and heavier than stamped knives and have better balance because of it. And while their tempering process results in a blade of extreme hardness, it is also more flexible. It usually has a nice thick bolster with a tang that is enclosed by the handle and is usually secured with three rivets.

Advantages: Much better balance. More weightier and so is more maneuverable. Metal is stronger and can last many years. Requires less sharpening. Less risk of injury as less work is required from the user. Solid bolster to increase safety. Secured, durable handles.

Disadvantage: Costs more. Weightier. Critical Point. Maybe 10 years ago all of the above would be undisputed. Not so today. There is quite a bit of dissent about the quality of stamped knives and whether or not they rival the quality of forged knives. Here are the popular points:

Some stamped knives are made with a high quality steel to begin with.

Some knives are stamped initially and then followed up with a forging process.

Today’s manufacturing process (especially involving heat) can produce stamped knives that are just as good as forged knives, if not better.

Just as good as forged knives, if not better. That’s quite amazing. Here’s another critical point:

Many prefer a forged knife because of its weight distribution, the resultant ease of maneuverability and the comfort and safety of the bolster.

What’s it to be then? It seems fairly easy to decide. If you’d like some strong, long-lasting knives, get forged knives. If you’d like something fairly disposable that you’d prefer not to have to maintain, get stamped knives.

But if you’ve got the time, the means and the desire, shop around. There are high quality stamped knives out there now. Some have good weight on them, too. They’re relatively young on the market, so you’re going to have to track them down.

About the Author: Len Q. is a master blade sharpener. If you would like to learn about Knife Sharpening: How to Sharpen Knives, Maintain and Store Them Sharpening Gardening Tools, Chain Saws, Lawn Mower Blades, Axes (including how to Maintain and Store Them) Find it here at

MakeKnivesSharp.com

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Many nations offer material aid to hurricane victims; Bush refuses to accept

Saturday, September 3, 2005

Over twenty five nations have offered aid in the wake of Hurricane Katrina. In particular, France has offered the use of its resources in the Caribbean sea, including 2 navy ships, 1 navy hospital, 8 planes, 600 tents, 1000 beds, and rescuers. President George W. Bush has refused such material aid to the hurricane’s victims, although cash donations will be accepted. He explained his reasons to ABC News:

I’m not expecting much from foreign nations because we hadn’t asked for it. I do expect a lot of sympathy and perhaps some will send cash dollars. But this country’s going to rise up and take care of it. You know, we would love help, but we’re going to take care of our own business as well, and there’s no doubt in my mind we’ll succeed. And there’s no doubt in my mind, as I sit here talking to you, that New Orleans is going to rise up again as a great city.

A few of these nations, such as Venezuela and Cuba, are disliked by the administration, but the majority are considered allies of the United States. Venezuela’s Citgo Petroleum Corp. pledged a $1 million donation for hurricane aid. Cuba refused U.S. aid following Hurricane Dennis. In order to reduce the side effects of hurricane Katrina, Japan, Venezuela, and most EU countries offer to provide oil reserves to the U.S.

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Ruapehu Whanganui Trails Nga Ara Tuhono

ruapehu whanganui trails nga ara tuhono

by

Donny Mcclure

Try spotting the Big Carrot around city; you will look so tiny beside it!

Ithilien can be found at Turoa Ski Field Road aka Ohakune Mountain Road Scenic Drive. To reach the film site, you will need to travel as far as being the Mangawhero Falls.

Rangitikei Riv Gorge – River Anduin

The river starts from the Kaimanawa Ranges (southeast of Lake Taupo), flows through Central Plateau together with out at South Taranaki Bight with Tangimoana, 40 kilometres southeast of Wanganui.

Steep vertical cliffs, deep canyons boulders and ancient shellfish produce a unique setting for voyage activities. The world-famous selling point, Gravity Canyon, is situated here.

[youtube]http://www.youtube.com/watch?v=H9gbExDH-Ss[/youtube]

Waitarere Forest – Trollshaw Forest together with Osgiliath Wood

The Waitarere Forest is a the south of Foxton to the Kapiti Coast. This is among the most lesser-known forest track not so common for holidaymakers. If you want to look in, do bring adequate food, water and a GPS along.

Kapiti Shore, on the other side, is a popular holiday site for many Kiwis. It is about one hour from Wellington city, and get spectacular sea perspectives, glorious sunsets, with an untouched native forest together with dramatic landscapes.

Otaki and Otaki Gorge – Leaving the Shire

I saw it the impression I proceeded to go somewhere in Otaki once for a camp. It was an outdoorsy camp plus they recommended not to take valuables. There is no reception for any mobile phone either.

There are several tracks that go with Otaki Gorge Road as a result of the gorge. However, this locations used to exhibit the Hobbits leaving the Shire in the Fellowship of the Ring are not accessible by public.

Paraparaumu : Pelennor Fields

It is a small suburban town near Wellington. The Maori name parapara means food chafes, and umu is a great earth oven. It probably refers to the arrival of some sort of war party and identified only few scrapes involving food in abandoned earth ovens.

The closed up shots for Battle in the Pelennor Fields in Lord of the Rings were filmed at Queen Elizabeth Park near Paraparaumu along with the paddocks near MacKays Crossing. You can also read the Wellington Tramway Museum the following on weekends.

Mt Victoria – \’Get heli-copter flight road\’ and \’Escape from the Nazgul\’

Go up Mount Victoria (Mt Vic for short) to obtain an excellent view of the city, Cook Straits together with harbour. It is quite a long uphill walk. Try Metlink bus #20 on weekdays if you ever don\’t drive and really want to check out the view.

I imagine I went up a few times by car, enjoyed this view and wind while I was there, but not much impression of it now. You can also pass through Mount Victoria Tunnel when travelling between city middle and airport.

Mt Victoria together with Lyall Bay – Dunharrow

When my memory is proper, this was one of the sites I went to help on Wellington Rover Tours. Since I can\’t even remember the exact scenes from Lord of the Rings, I don\’t have much impression of this location.

The close-up golf swings for Dunharrow were filmed at this location while the extensive shots were filmed in the South Island. Movie effects have a way of merging the various scenes together seamlessly!

ruapehu whanganui trails nga ara tuhono.

ruapehu whanganui trails

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Category:Sunni Islam

This is the category for Sunni Islam.

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  • 28 December 2015: Boko Haram attack in Nigerian city kills at least fifteen
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From Wikinews, the free news source you can write.


Cairo’s Al-Azhar University, a renowned centre of Sunni learning


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New method of displaying time patented

Saturday, October 14, 2006

An American inventor has patented a pair of new time formats with a footprint less than 50% of that of conventional four-digit time. The more unusual of the two new formats, called “TWELV”, dispenses with numerals altogether. In place of clock hands or digits, the new clock uses color to convey the hour and a moon image to convey the minute, which moon slowly grows throughout the course of an hour from a narrow crescent to a full-fledged circle.

The second and more approachable of the new formats retains numerical digits to indicate the minute but uses colors to convey the hour.

Early critics question whether the aesthetic benefits of the moon-clock will be sufficient to encourage users to learn the color-based time-telling system. However, the size advantages of the new system may make it particularly suitable for mobile applications, particularly cell phones, wearable computers, and head-mounted displays.

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Do You Need A Panic Room In Your Home?

By Ralph Winn

You have a safe to store your valuables, so why not have a safe to store your most precious possession of all: your life?

Escape to a Panic Room

A panic room, a room in your house that is outfitted with reinforced walls and insulation and features sturdy metal doors that lock tight, acts as a vault for people. Inside, you can keep comfort and survival items like cots, canned goods, water, a cell phone, and a radio.

Keeping Safe

Arizona couple Ed and Patti Warner feel safe in their 3 million dollar, 10,000 square foot secluded home because they have a 4 foot by 6 foot fireproof panic room tucked under their staircase. ‘If you go in there and shut the door, nobody can get to you – nobody. You could take your cell phone and call the police – it would be safer than running outside,” says Patti.

Think it sounds a little paranoid? Not to the millions of American families who are building additions or retrofitting their homes to include a panic room. The price of safety and peace of mind can range from around $3,000 to over $1 million. But no matter the price, the purpose of the panic room is the same: to protect you in an emergency.

The idea of a panic room became more popular nationwide after the terror of 9/11 and the release of the Jodie Foster movie Panic Room, in which Foster and her character’s daughter are sequestered in their home’s panic room when their house is invaded. The idea of a safe haven in the home took off with worried Americans who feel more and more threatened in this modern society.

[youtube]http://www.youtube.com/watch?v=Ibn_aXNcfrQ[/youtube]

‘Business spiked a little way up after Sept. 11, and it’s mellowing out a little now, but this is an industry where demand goes up every year,’ says Bill Rigdon, vice president of construction for Los Angeles’ Building Consensus, which designs and builds panic rooms for wealthy clients ranging from movie stars to CEOs. ‘Since 1995, there’s really been an uprising for these rooms – people don’t even feel safe in their own homes.”

When Do You Use a Panic Room?

There are multiple scenarios in which a panic room can save lives.

Home Invasion: If intruders invade your home, you can immediately retreat to the panic room and remain out of harm’s way until the police arrive.

Hurricane: A panic room’s reinforced walls make it the room in your house most likely to survive a major storm. As long as your home is not threatened by the deadly storm surge, you can ride out a hurricane in your panic room until it clears.

Tornado: Hurricanes are predictable and you have plenty of time to prepare, but tornados put the ‘panic’ in the term ‘panic room.’ In the event of a tornado, you may have only seconds to seek shelter, and an easily accessible panic room at the center of your home could literally save your life. You can stay safe there until danger passes. The rest of your house may crumble, but a panic room is designed specifically to withstand disaster.

Yesterday’s Fallout Shelters

Today’s panic rooms are yesterday’s fallout shelters. Both reflect the fears of their time: nuclear war and modern terrorism in all its forms. But today’s panic rooms are a little more high tech than their cousins of yesteryear.

Available Features of a Panic Room

Dummy electrical wires (So the intruder thinks he’s cutting the power, but he’s not.)

Steel-reinforced walls that deflect armor-piercing bullets.

External ventilation systems.

A separate phone line.

Bathroom facilities.

Security cameras.

Shielding from nuclear rays.

A panic room can be anything you dream it to be. It can be as complex as a multi-room bunker or something as simple as an extra-sturdy walk-in closet stocked with a few days’ survival supplies. All panic rooms offer the same basic benefit: safety and peace of mind in an emergency situation. Everyone wants to know they have a place where they can be safe. Do you?

‘People are transformed when they go into one of these rooms or areas,’ says Al V. Corbi, president of The Designer, which designs high-end residences. ‘It’s like you can see them exhale for the first time in years. We’re always on our guard, even driving to work. A safe core is the only place where you can really let down your guard.’

About the Author: Ralph Winn writes about

Home Security

and other related topics. For more information on

Home Security

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Viktor Schreckengost dies at 101

Sunday, January 27, 2008

Viktor Schreckengost, the father of industrial design and creator of the Jazz Bowl, an iconic piece of Jazz Age art designed for Eleanor Roosevelt during his association with Cowan Pottery died yesterday. He was 101.

Schreckengost was born on June 26, 1906 in Sebring, Ohio, United States.

Schreckengost’s peers included the far more famous designers Raymond Loewy and Norman Bel Geddes.

In 2000, the Cleveland Museum of Art curated the first ever retrospective of Schreckengost’s work. Stunning in scope, the exhibition included sculpture, pottery, dinnerware, drawings, and paintings.

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