How to buy housing homeowners insurance

The process of the purchase of housing, homeowners insurance should always the first place, because there is no insurance, mortgage lender will not provide loans to you. Insurance providers, as well as your real estate agent can help you to buy the right homeowners insurance.
Before looking for housing
For affordable housing for themselves the most powerful position, for the lowest mortgage rates, insurance to cover all the scope of the need to protect. In addition, do some preparatory work in advance.
Verification of credit rating: a good credit score can help in many ways to you, including the most likely get a low interest rate mortgages.
Aware of their homeowner insurance claims records: claims records, the better, the premium may be lower. If you want to sell the current housing, a good record of insurance claims is also very important.
##CONTINUE##Tenant Insurance: If the current rent you are living abroad, you certainly know that the purchase of private property for the need for insurance. If you have not bought houses, and that first-time buyers in the former there is a good insurance history is very helpful.
Hunting room
If you are working with real estate agent showings, keep in mind the characteristics of housing (such as location, building materials) can decide the level of premium rates.
Housing construction: check housing base walls, supports, beams and joists are strong. Asked whether the Housing larger or structural transformation, whether by the renowned architect's work, whether houses used urea-formaldehyde. Similar to the garage also needs to be done to check that your insurance company need to know such information.
Housing Age: old houses usually have a point of some of the features, such as lime walls, ceiling and the high cost of replacement of wooden flooring. Features such as your insurance premium will increase. After renovation to existing building standards of the old point of housing, often than not done premiums low.
Roofs and external housing: Check the roof, pay attention to shingles, chimneys and roof drainage situation. Paint the outside of housing areas have to pay special attention to have any cracks.
Energy Efficiency: Check the type of heating system, when installed, inspection windows, plumbing and wiring. Aging of these things are likely to constitute the housing problems. The newly renovated housing will be more security, fire or flooding the possibility of even smaller.
Safety equipment: with smoke, fire alarm system and monitoring of the housing will be much lower premiums. Solid doors and windows, and windows, and lock bolt can also reduce insurance costs.
Ponds, wood burning stove, etc.: with these facilities, housing, the need for greater insurance coverage.
Adjacent to Fire Station: Fire Department in or near the fire hydrant near the housing, to lower insurance costs.
Single
Many of you have seen the house but also to target a small number of sets in the house, you need to be on the set of housing and security of its more detailed information.

Lender defines second mortgage

Everyone has heard of a second mortgage at least once in their life! However, most people might not understand what a second mortgage really is. A second mortgage is one the more important tools in both commercial and residential real estate, and can raise much-needed funds for home owners.

The reason behind the idea of a second mortgage is fairly simple. It means that you take a loan against the equity in your home ?the value not already loaned to you by your regular mortgage. Thus a second mortgage releases capital to you, and is secured on your property just like your regular mortgage. Most financial institutions will have the ability to give second mortgages from them when you need one. But you are someone that is looking to receive a second mortgage on your property, you should always remember that you have many options about the type to get.

##CONTINUE##There are many good reasons why a person or couple would take out a second mortgage. These can range from anything like consolidating existing debt to obtain a lower interest rat, or taking a second mortgage in order to take the extra money to pay for something expensive or unexpected. This can be everything from paying for a child? college or to cover expenses while finding new employment. Common uses of a second mortgage include building renovations, home improvements, buying a car or boat etc.

When taking a second mortgage out on your home or business, you need to remember that the second mortgage is secured on your property and thus if you cannot repay the loan, your property is at risk.

Allows you to maintain a highly efficient way to sleep 10

According to British media reports, a new survey found that 50% of Britons lack of sleep every night 6 hours, 18% of the people sleep five hours or less. The study was conducted by Chris Edinburgh Sleep Center? Iraqi doctors Trajkovski relief, he found that people who sleep less than 3 / 4 feel tired after getting up early, 1 / 4 would have to be too tired after work in advance. Sleep problems has now become the topic of globalization, the United Kingdom, Edinburgh Sleep Center, who referred to the lack of sleep the sleep of 10 recommendations to improve.

1. A day to eat less food and more meals a day. Some suffer from insomnia often will wake up around 3:00, it is likely because of lower blood glucose, the body caused by the beginning of secretion of adrenaline, so nutritionist Marilyn? Granville proposal: "It is best during the day and the stability of blood glucose every 3 hours eat something, but do not eat too much time. "She said," before going to bed feeling hungry, may wish to drink hot chamomile tea, eat oatmeal pie. "

##CONTINUE##2. To switch off their mobile phones. Call or send text messages will be over-excited, which can easily lead to insomnia. So I go home at night or when they switch off their mobile phones. In addition, take a deep breath you can do with 5 seconds to inhale, and then hold your breath for 5 seconds, the last breath, so to repeat 3 times. It will be able to produce endorphins to relax, let the brain calms down as soon as possible.

3. To clear your brain. Bed placed in your paper and pen to write you out of anxiety at any time, so you no longer worry, you can safely sleep.

4. Listen to the hypnosis CD. Sleep and listen to hypnosis CD, it will play out like "sleep is a natural process, without wasting effort. Sleep is very easy, very good ... ..." the group. In this way, you will slowly sink into the context of this established and help to fall asleep as soon as possible.

5. The law of life. Schedule to develop the law helps to regulate sleep cycle; weekend not long depend on the bed.

6. To take a bath to reduce water temperature. Hot water bath before going to bed will make a temporary increase in body temperature, and then will naturally decline, may affect sleep. Therefore, when taking a bath to lower the water temperature is relatively little to reduce the body temperature changes in the process of adaptation, you can let you sleep better.

7. Do not brush into the red bedroom. Make people excited about the red. Therefore, we should brush the bedroom as a "skin" color, from pink to brown, soft colors allows you to produce drowsiness.

8. The evening do not play games. Young people go to bed before the game will not be affected by the effects of bright flashes the screen, but the adults will think that it is too excited to sleep when the brain is also high-speed operation.

9. To maintain the temperature of the foot. Keep feet warm and to improve sleep quality.

10. To comply with the rules of 20 minutes. If you can not lie down for 20 minutes to fall asleep, then get up and do something about it, and until then lay in bed sleepy.

Online auto insurance

In the United States, one of the most popular car insurance a few words, I am afraid to GEICO's "15 minutes can save you 15% for the auto insurance." Here the "15 Minutes" is the time of your inquiry online. Including the majority of insurance companies including GEICO offers instant online quote service.

Online Inquiry, the first set of forms must be filled out online, the information requested in addition to gender, age, marital status and social security number, but also including education, occupation, the first time the United States driver's license, address, location of parking, family members age and U.S. driver's license case they have to purchase auto insurance time / annual mileage, weekly frequency and the main vehicular car uses.

##CONTINUE##End to provide relevant personal information, then select the appropriate insurance is the project. U.S. states for auto insurance have their own requirements of compulsory insurance. The corresponding contents of the selected insurance, the site will give a six-month offer, you can choose to save, pricing will be sent to your mailbox; If you find the right price can also be purchased on-line at that time. Web site will usually ask you to dial phone, check some of your personal information (such as name, address, date of birth and social security number, etc.), then please provide a credit card or bank account to pay.

After the transaction, the insurance company first insurance card will fax a copy to you, after the original sent with the policy. The whole process can stay at home.

The origin of the international air ticket tax

The purchase of international air travel passengers often ask, why buy air tickets would also like to pay taxes is the construction of the airport tax? Of course not.In international air travel when the purchase of the tax, is the national airline to replace local government revenue tax.

International air ticket tax is broadly divided into three types: the departure tax, transit tax, entry tax. In the individual countries there are other tax items.

Such as the United States, in addition to the above taxes, there are customs tax, airport taxes, inspection fees immunization of animals and plants.Of course, some countries are not taxes, such as China, the Philippines and other countries is not taxes.

##CONTINUE##So if you go to Japan from China, there is no one-way tax, but from there tax; or your departure from Japan, one-way ticket back to China there is a tax, it is because there is no departure tax in China, Japan, no tax, but Japan there is departure tax.

Tax when they buy air tickets in general in accordance with changes in the exchange rate, which is why the last purchase of air tickets and the purchase of flight tickets, the tax has different reasons. Of course, the ratio of the difference is not significant.

In some countries, some cities have a tax, no tax in some cities, such as Japan's Tokyo and Osaka have the departure tax, and Sapporo, there is no tax.

Basic first aid practices

The event of an emergency, critical situation, first of all vital signs should be checked to determine first-aid is dead or alive, it is light or heavy. Refers to the awareness of vital signs, respiration, pulse and blood pressure.

Check the awareness:

Patients may cry, tapping screw patients or patients with hand-foot-cheek observation of the response and so on. Clear sense, you can answer questions, answer the point. To determine whether the patient is unconscious, the simple identification method is to touch gently with cotton, silk eye corneal patients. Patients with normal or mild blink of an eye movement will appear, and the unconscious, especially the lack of response of patients with deep coma. When patients lose consciousness, the first to maintain the airway to prevent suffocation.

##CONTINUE##For unconscious patients, it is necessary to observe the pupil eyes. Both sides of the pupil is the same as normal, and the same round and will face rapidly diminishing light (pupillary light response). When a patient suffered severe damage the brain, on both sides of the pupil may not be generally large, narrow or casual large; when suddenly with a torch light irradiation pupil, the pupil does not reduce or narrow the slow response. Or unconscious trauma patients mydriasis, fixed, often indicate a critical condition.

Check breathing:

The human body through inhalation of oxygen to breathe, exhale carbon dioxide, to achieve inside and outside the gas exchange between the environment to sustain life. Human respiratory (including upper respiratory tract, bronchial, lung, pleura) and the mediastinum, heart, blood, nervous system, such as illness or poisoning, the patients would feel less than gas or respiratory effort, the performance of respiratory frequency (the number), depth and changes in rhythm. Sitting position in patients with severe cases, forced breathing, lips cyanosis. Respiratory disorder, such as patients, it is timely to go to hospital for treatment, find the causes and treatment.

Observation of breathing, depending on the chest, abdomen any ups and downs. There are ups and downs that have to breathe, no ups and downs that are weak or breathing has stopped. Center can also be the palm of your hand or ear attached to the patient's nasal or oral prior to the availability of air into and out of feeling. Or a ray of yarn (or a small piece of cotton, napkin, straw, etc.) on patients with nasal or oral before been observed blowing airflow. 12 per minute of normal breathing to 18 times. Patients dying faster breathing, shallow and irregular; patients in critical condition, the breathing becomes slow and irregular, until the stop. For those who have stopped breathing, artificial resuscitation immediately.

Check the pulse:

From birth to death, the heart has been beating. Heart rate is an important vital signs. There is no heartbeat, that people have died on or near death. Observed heart rate, index and middle fingers can touch the patient gently radial wrist (thumb side of palm) of the artery. If pulse indicating the existence of heart. If not, can touch a patient carotid artery, can also be attached to the ears of patients with precordial whether to listen to the heart throb, but also the patient's neck artery can be observed whether there is any pulsation. Any superficial artery near the bone can be used to diagnose the troubles. Pulse time for each measurement of not less than 30 seconds, in patients with heart disease should be measured 1 minute. Normal adult pulse 60 per minute to 100 times.

If cardiac arrest patients, the pulse disappeared, should be done immediately for emergency treatment chest cardiac massage.

Blood pressure measurement:

Blood pressure is referred to as arterial blood pressure, it is referring to blood flow in the artery, the vessel wall of the pressure. When the heart contraction, intra-aortic blood reach the maximum pressure as the systolic blood pressure; when the diastolic, the lowest intra-arterial pressure as diastolic blood pressure. The difference between systolic and diastolic blood pressure, known as the pulse pressure. If a person's systolic blood pressure of 17.3 kPa (130 mm Hg), diastolic blood pressure of 10.7 kPa (80 mmHg), its pulse pressure for the 6.67 kPa (50 mm Hg). Blood pressure is an important vital signs. A sudden lowering of blood pressure, or excessive bleeding is often a deterioration in their conditions. Blood pressure measurement can also understand the situation of the cardiovascular system.

Blood pressure are commonly used mercury column sphygmomanometer blood pressure monitor, electronic blood pressure monitors and three kinds of pressure-type blood pressure monitors, under specific circumstances and conditions of choice. Mercury column sphygmomanometer is currently more commonly used to measure the site often cubital fossa in the upper limb or lower limb of the brachial artery popliteal artery Department.

Normal blood pressure increased with age, in day-to-day activities will have minor fluctuations. Systolic blood pressure in healthy adults and 12.0 ~ 18.6 kPa (90 ~ 139 mm Hg), diastolic blood pressure 8.0 ~ 11.9 kPa (60 ~ 89 mm Hg), pulse pressure was 4.0 to 5.3 kPa (30 to 40 millimeters of mercury column).

AIDS treatment

For AIDS, there is no cause of treatment effects. The general principle of anti-infective therapy, anti-tumor, to kill or suppress HIV virus, enhance immune function.

Anti-infection treatment for various opportunistic infections and co-infection agents:

a, anti-virus-type infection drugs: herpes virus infection acyclovir can be used, each 800 mg oral 4 times a day, sharing two weeks, adverse reactions are skin rash, liver and kidney damage and reduced the reserve cells, but showed less that can be tolerated. Choice of cytomegalovirus infection-doped phosphate salts, C 1 Guanosine oxygen, can also choose Vidarabine. For broad-spectrum antiviral ribavirin on HIV RNA and DNA are effective, each 200 mg per 8-hour intravenous infusion once a small adverse reactions, patients can be tolerated.

##CONTINUE##b, anti-bacterial infections in medicine: try to choose efficient needle end of antibiotic use to infection control. Mycobacterium-infected persons to the use of rifampicin, 600 mg oral daily; of staphylococcal infection combined with triethylamine kanamycin enhanced efficacy. And streptococcal infection, and they should be taken into account for the multi-resistant strains, should be selected β-lactamases resistant to drugs such as minocycline, erythromycin azithromycin, roxithromycin and so on; for non-typhoid Salmonella, enteric bacilli infection, gram-negative bacteria should be selected on the effective or broad-spectrum antibiotics, such as cephalosporin or quinolone drug adriamycin.

c, anti-fungal drugs: the shallow part of the fungal infection than the limitations of the available topical cream, can be generalized from oral ketoconazole; of Candida dermatitis or oral, vaginal inflammation, ADM system can be used with the tablet and suppository local applications of rare strains, and poor response to ketoconazole and fluconazole, and the use of amphotericin B therapy.

d, antibiotics antigen Insects: Pneumocystis carinii pneumonia choose cotrimoxazole, dapsone and pentane sulfonic acid hydroxyethyl microphone. TMP currently considered as the preferred drug for each dose of 3 ~ 4, 3 times a day. As a result of high-dose applications, can cause neutropenia and hepatitis. Such as cotrimoxazole application null and void after 1 week should be to switch to other drugs. Of critically ill patients may increase corticosteroid used to improve the success rate. General selection of toxoplasmosis pyrimethamine, 25 to 100 mg per day, doubling the volume of the first. With sulfadiazine and sulfamethyldiazine Sulfadimidine combination can enhance the effectiveness of treatment. Clindamycin can be selected, particularly for choroidal significant effect of infection.

Periodontal disease and systemic health of the relationship between both

Periodontal disease can cause loose teeth, loss of general health been affected?

1. Cardio-cerebral vascular disease

Variable parts of the existence of a large number of periodontal pathogens, these bacteria can produce endotoxin and invasive blood, caused by changes in blood coagulation and platelet mechanism of degeneration, but also directly stimulate the blood vessels, leading to small artery spasm. If the coronary artery involvement, the occurrence of spastic contraction, coupled with the role of micro-thrombosis, it will cause the occurrence of acute myocardial infarction. Atherosclerosis and acute periodontitis is a risk factor for myocardial infarction. Infective endocarditis and periodontal disease as well.

##CONTINUE##2. Pregnancy

Many studies have confirmed that premature babies and low birth weight infants with their mothers on the risk of periodontitis. Therefore, women of childbearing age with periodontitis in the preparation of pre-pregnancy treatment of periodontal disease should be the first to control the inflammation, in order to ensure a healthy pregnancy and the fetus.

3. Diabetes

Diabetes and periodontal disease risk factors of each other. If poor blood sugar control, it is difficult to guarantee periodontal health; the other hand, does not control periodontal disease, the normal blood sugar levels difficult to achieve.

4. In addition, studies have shown that periodontal disease and gastrointestinal diseases and respiratory diseases as well.

Patients with periodontal disease in subgingival plaque contains a large number of pathogens, Helicobacter pylori and may be the reservoir of respiratory pathogens.

Therefore, we can see that the health effects of periodontal disease than in the mouth, periodontal disease should not be taken lightly of, symptoms should be treated in time.

Stirring to quit smoking ads

Singapore's no-smoking advertising campaign to prevent cancer. If you really think that smoking is a very fashionable thing, then this group of works is to tell you: You are wrong! The choice is really stylish environment in the beautiful dead!

Enjoyment of the concert fell asleep

December 11, Tel Aviv, Israel, a mattress company prepared 144 bedes, customers can enjoy being in bed "sleep concert."

The method of treatment of oral ulcers

Oral ulcer is typically referred to as civil lit, but the Western view is that 95% of oral ulcers are due to the virus.

Multiple oral ulcers in the general exchange of spring and autumn, when the general immunity of the person as a result of lower seasonal changes in the environment and the body can not adjust in time, the occurrence of immunocompromised, the virus will take advantage of this time, causing ulcers.

Generally do not have ulcer medication, one to two weeks to heal. Can also take that vitamin, Vc, and cope with Vb2 taking it 2-3 days recovery, pay attention to the water, get more rest. In particular, people with weak constitution should pay attention to rest.

##CONTINUE##Honey rinse Law: 10% of the honey can be used gargle, to anti-inflammatory (anti-inflammatory foods), pain relief, promote cell regeneration.

Honey (honey food) therapy: oral wash clean, and then sterilized cotton ulcer will be applied to the surface of honey, not eating after the suspense. 15 minutes, honey can be used together even swallow saliva, and then continue to clean, reusable cloth one day a few times.

Zinc sulfate therapy: use of zinc sulfate tablet or syrup, 12% zinc sulfate, 40-80 mg per adult, on the 1st 3 times, once a 5-7 days generally recover.

Fungus treatment: get white fungus, black fungus, the 10 grams of Hawthorn, decoction, soup to eat fungus, 1-2 times daily, oral ulcers can be cured. Therapy cocoa: cocoa powder and honey will be transferred into a paste, often including pharynx, can be several times daily administration of oral inflammation and ulcers.

Cabbage root therapy: from cabbage root 60 grams, 15 grams of garlic Miao, jujube 10, using decoction, and taking it 12 times daily, oral ulcers can be cured. Rapeseed therapy: taking 30 grams of white radish seeds, mustard seeds 30 grams, 15 grams of very light blue, pounded to put together, affixed to the center of the foot, day 1, oral ulcers can be cured.

Apple (Apple products) therapy: taking an apple (or pear) into a piece of it, put to the container by adding water heated to boiling, until after the cooler temperatures, together with the wine with food in the mouth a moment longer, continuous use a few days to heal. Walnut shells therapy: will be 30-50 grams of walnuts boiled water twice a day, sooner or later the use of 1.

The choice of lamps

Light is the eyes of the family, in the selection must be serious, according to the size of new houses, as well as a unified whole with decorative style.

To know the lamps of a new house is not only used for lighting, and is also responsible for landscaping the new house, creating a heavy atmosphere.

Lamps are now a lot of varieties, there are chandeliers, ceiling lamp, table lamp, floor lamp, wall lamp, lighting, etc.; lights also have a lot of color, colorless, white, pink, light blue, light green, yellow, white.

##CONTINUE##Matching household lamp, the lamp should not only consider the shape and price, but also consider the brightness, and brightness is not the definition of glare, after the safe handling, clear soft light.

Should be in accordance with the occupants of the occupation, hobbies, fun, matching habits and should be considered furniture, wall color and other factors.

The lamp size and the proportion of space is closely related to, the purchase should take into account the effect of relevance and place in order to achieve the coordination of space and sense of integrity.

Not suitable for indoor flower on

1, Tuberose. High blood pressure and heart disease will feel depressed.

2, Pine and cypress. Pregnant women will feel sick.

3, Yang Hydrangea. Likely to cause allergic reactions in some people.

4, Tulip. Containing toxic alkali flowers themselves. 5, mimosa. Contacts lead to more hair.

Why use Firefox browser?

The question is not using Firefox, is to gradually abandon inefficient IE browser. Why?

1, the IE whether you often open a page on the jammed halfway?
2, you are often the IE homepage hijacked by malicious software?
3, would like to achieve a certain function, does not suffer from this function can be realized IE plug-ins.

Firefox is not the perfect solution to these problems, the world is not perfect browser, and only relatively better, and efficient browser. The reason why recommend Firefox, is because relative to other browsers, Firefox the most powerful, high stability, develop the most mature. Google browser is a good browser, but it needs to develop for some time.

The use of Firefox, you can:

##CONTINUE##1, little or not experience the situation of the browser stuck
2, Firefox 3 smart address bar to make your work more efficient
3, in most cases, you can find something to meet your expansion needs.
4, you almost will not have to worry about malicious hijacking Firefox.
... There are numerous benefits.

But remember, Firefox is not a panacea, but it is relatively better.

Whether or not you recognize that the use of Firefox browser in a certain extent, will more enjoy the Internet.

Better things are always found in the attempt, and will not be lazy, take a few minutes, try a better browser, which is the Internet after you have a very helpful experience.

You may say that:

"I have heard very good with Firefox, but after installation and found it too bad, and what features are not, and even mouse gestures do not have!"

"Certain pages where the font is too small in Firefox"

"Firefox looks like the ugly"
...

Perhaps because you meet the above problems of the termination of the attempt to Firefox. Probably because you do not have time to find the root of the problem, however, if you spend a little of time watching movies, you will be able to solve these problems.

Channels for a good solution is to use the Google search, for example, search "Firefox 3 extension of the recommendation."

So, try it.

Firefox official website address:http://www.mozilla.com/firefox/

For obese children campaign methods

Weight loss campaign by way of sports, the body extra energy consumption, and promote the improvement of basic metabolism and improve the oxidation of fat. Exercise therapy and dietary therapy can play each other with the obvious effect of exercise therapy alone is very difficult to lose weight, especially for children is on the more difficult.

Step-by-step
Should generally be strict adherence to the principle of gradual and orderly progress, such as food, like therapy phases. It can not be obese children never or rarely exercise movement, and immediately to the high-intensity changes in the physical state, it is absolutely prohibited.

##CONTINUE##Reasonable amount
Physical therapy for children must be under the guidance of a doctor, must not be given a free hand. Because of unreasonable or too light intensity, no effect; either too large, so that the cardiovascular system and autonomic nervous system dysfunction, which led to disastrous complications.

"Big project" with "small projects"
In the choice of sports should be based on a number of points not to the movement of both feet for the better, such as sitting or lying down for exercise, swimming, boating, biking and so on, skating or hiking is also a very good project, large Some children may be running a daily exercise. Nevertheless, this must be approved by a doctor to a comprehensive training plan and be persistent.

In addition to the above sports, the daily cleaning and wiping the floor, beds were stacked, wash utensils and other household chores as the contents of physical activity, it is weight loss in obese children of the appropriate content movement.

Exercise therapy and dietary therapy must be matched, because it will increase a child's appetite after sport, but you can not eat more laissez-faire of its staple food, the two therapies to combine in order to show the effectiveness of their weight loss campaign.

The benefits of eating pineapple

Beauty
Rich in vitamin B can effectively nourish skin and prevent dry skin, shiny hair moisture, but also the elimination of physical tension and enhance the body's immune system; practice: the pulp can serve as a mask, is the most sweet care products; often drink the fresh juice to remove age spots age spots and reduce the production rate.

Health
1, To promote blood circulation Enzyme, has always been to reduce blood pressure, blood lipid dilution, edible pineapple, fat deposition can be prevented.

##CONTINUE##2, The elimination of cold Fever, cough, sore throat are the most obvious symptoms of influenza, in addition to trips to rest quietly in bed, may wish to drink a cup of fresh pineapple juice, it has cooling effect and can effectively reduce the bronchus. By medical research, since ancient times, mankind often contained by virtue of pineapple Bromelain to mitigate the symptoms of sore throat and cough.

Kuwaitis hospitality etiquette dinner

Kuwaitis choose dinner guests at the hotel, food is Western, if it is a good friend to go to the home of the traditional hospitality meals.If the guests are good friends, that go home, with traditional hospitality meals.

To eat when the food will be prepared on the homogeneous one-time guests and masters of hand-washed after using catch food, hospitality traditional meals are grilled redfish, grilled lamb, onion fried rice, fried rice, beef curry, Triangle packs.

##CONTINUE##From time to time, always will be the masters of grilled fish, grilled lamb pieces on the guests after the plate before, was extremely close and friendly.

Air travel perfume spray liquor is also impolite

Before the plane took off, the usual safety precautions player. At this point, we must keep quiet and listen carefully. Even if you are already very familiar with safety precautions, and do not and you were next to speak. Perhaps the person next to you is the first time by air, in accordance with the safety requirements to do so. For example, when landing the aircraft seat belt, will be put straight back chair, do not use mobile phones (the aircraft to do so would interfere with the signal) and so on.

##CONTINUE##When you sit down, you can nod next to the passenger. If he did not want to chat with you, not to disturb him. Conversely, if you have been interfering, you can say "I am sorry."

In a brief chat when meals are not rude.

If you must always leave the toilet seat or to walk everywhere, you should be on the plane in the aisle before the application for a seat.

Do not let the back seat too low. If you want to on the road back down the back seat, you should be on behalf of the people behind the first and say hello, do not suddenly operation, so as not to get behind. Meals to put straight back chair.

Poor ventilation inside the cabin of aircraft, therefore, not excessive use of perfume, do not use the strong smell of cosmetics.

To talk with someone on the plane,you should avoid those what may be frightened of the topic in others, such as hijacking of aircraft, such as the air crash.

California Lemon Law Statutes

California Lemon Law Statutes
Cal Civ Code § 1793.22
Cal Civ Code § 1793.22 (2004)
§ 1793.22. Reasonable number of attempts to conform vehicle to warranties; Dispute resolution process; Transfer of vehicle

1. This section shall be known and may be cited as the Tanner Consumer Protection Act.

2. It shall be presumed that a reasonable number of attempts have been made to conform a new motor vehicle to the applicable express warranties if, within 18 months from delivery to the buyer or 18,000 miles on the odometer of the vehicle, whichever occurs first, one or more of the following occurs:

##CONTINUE##1. The same nonconformity results in a condition that is likely to cause death or serious bodily injury if the vehicle is driven and the nonconformity has been subject to repair two or more times by the manufacturer or its agents, and the buyer or lessee has at least once directly notified the manufacturer of the need for the repair of the nonconformity.

2. The same nonconformity has been subject to repair four or more times by the manufacturer or its agents and the buyer has at least once directly notified the manufacturer of the need for the repair of the nonconformity.

3. The vehicle is out of service by reason of repair of nonconformities by the manufacturer or its agents for a cumulative total of more than 30 calendar days since delivery of the vehicle to the buyer. The 30-day limit shall be extended only if repairs cannot be performed due to conditions beyond the control of the manufacturer or its agents. The buyer shall be required to directly notify the manufacturer pursuant to paragraphs (1) and (2) only if the manufacturer has clearly and conspicuously disclosed to the buyer, with the warranty or the owner's manual, the provisions of this section and that of subdivision (d) of Section 1793.2, including the requirement that the buyer must notify the manufacturer directly pursuant to paragraphs (1) and (2). The notification, if required, shall be sent to the address, if any, specified clearly and conspicuously by the manufacturer in the warranty or owner's manual. This presumption shall be a rebuttable presumption affecting the burden of proof, and it may be asserted by the buyer in any civil action, including an action in small claims court, or other formal or informal proceeding.

3. If a qualified third-party dispute resolution process exists, and the buyer receives timely notification in writing of the availability of that qualified third-party dispute resolution process with a description of its operation and effect, the presumption in subdivision (b) may not be asserted by the buyer until after the buyer has initially resorted to the qualified third-party dispute resolution process as required in subdivision (d). Notification of the availability of the qualified third-party dispute resolution process is not timely if the buyer suffers any prejudice resulting from any delay in giving the notification. If a qualified third-party dispute resolution process does not exist, or if the buyer is dissatisfied with that third-party decision, or if the manufacturer or its agent neglects to promptly fulfill the terms of the qualified third-party dispute resolution process decision after the decision is accepted by the buyer, the buyer may assert the presumption provided in subdivision (b) in an action to enforce the buyer's rights under subdivision (d) of Section 1793.2. The findings and decision of a qualified third-party dispute resolution process shall be admissible in evidence in the action without further foundation. Any period of limitation of actions under any federal or California laws with respect to any person shall be extended for a period equal to the number of days between the date a complaint is filed with a third-party dispute resolution process and the date of its decision or the date before which the manufacturer or its agent is required by the decision to fulfill its terms if the decision is accepted by the buyer, whichever occurs later.

4. A qualified third-party dispute resolution process shall be one that does all of the following:

1. Complies with the minimum requirements of the Federal Trade Commission for informal dispute settlement procedures as set forth in Part 703 of Title 16 of the Code of Federal Regulations, as those regulations read on January 1, 1987.

2. Renders decisions which are binding on the manufacturer if the buyer elects to accept the decision.

3. Prescribes a reasonable time, not to exceed 30 days after the decision is accepted by the buyer, within which the manufacturer or its agent must fulfill the terms of its decisions.

4. Provides arbitrators who are assigned to decide disputes with copies of, and instruction in, the provisions of the Federal Trade Commission's regulations in Part 703 of Title 16 of the Code of Federal Regulations as those regulations read on January 1, 1987, Division 2 (commencing with Section 2101) of the Commercial Code, and this chapter.

5. Requires the manufacturer, when the process orders, under the terms of this chapter, either that the nonconforming motor vehicle be replaced if the buyer consents to this remedy or that restitution be made to the buyer, to replace the motor vehicle or make restitution in accordance with paragraph (2) of subdivision (d) of Section 1793.2.

6. Provides, at the request of the arbitrator or a majority of the arbitration panel, for an inspection and written report on the condition of a nonconforming motor vehicle, at no cost to the buyer, by an automobile expert who is independent of the manufacturer.

7. Takes into account, in rendering decisions, all legal and equitable factors, including, but not limited to, the written warranty, the rights and remedies conferred in regulations of the Federal Trade Commission contained in Part 703 of Title 16 of the Code of Federal Regulations as those regulations read on January 1, 1987, Division 2 (commencing with Section 2101) of the Commercial Code, this chapter, and any other equitable considerations appropriate in the circumstances. Nothing in this chapter requires that, to be certified as a qualified third-party dispute resolution process pursuant to this section, decisions of the process must consider or provide remedies in the form of awards of punitive damages or multiple damages, under subdivision (c) of Section 1794, or of attorneys' fees under subdivision (d) of Section 1794, or of consequential damages other than as provided in subdivisions (a) and (b) of Section 1794, including, but not limited to, reasonable repair, towing, and rental car costs actually incurred by the buyer.

8. Requires that no arbitrator deciding a dispute may be a party to the dispute and that no other person, including an employee, agent, or dealer for the manufacturer, may be allowed to participate substantively in the merits of any dispute with the arbitrator unless the buyer is allowed to participate also. Nothing in this subdivision prohibits any member of an arbitration board from deciding a dispute.

9. Obtains and maintains certification by the Department of Consumer Affairs pursuant to Chapter 9 (commencing with Section 472) of Division 1 of the Business and Professions Code.

5. For the purposes of subdivision (d) of Section 1793.2 and this section, the following terms have the following meanings:

1. "Nonconformity" means a nonconformity which substantially impairs the use, value, or safety of the new motor vehicle to the buyer or lessee.

2. "New motor vehicle" means a new motor vehicle which is used or bought for use primarily for personal, family, or household purposes. "New motor vehicle" includes the chassis, chassis cab, and that portion of a motor home devoted to its propulsion, but does not include any portion designed, used, or maintained primarily for human habitation, a dealer-owned vehicle and a "demonstrator" or other motor vehicle sold with a manufacturer's new car warranty but does not include a motorcycle or a motor vehicle which is not registered under the Vehicle Code because it is to be operated or used exclusively off the highways. A "demonstrator" is a vehicle assigned by a dealer for the purpose of demonstrating qualities and characteristics common to vehicles of the same or similar model and type.

3. "Motor home" means a vehicular unit built on, or permanently attached to, a self-propelled motor vehicle chassis, chassis cab, or van, which becomes an integral part of the completed vehicle, designed for human habitation for recreational or emergency occupancy.
6.
1. Except as provided in paragraph (2), no person shall sell, either at wholesale or retail, lease, or transfer a motor vehicle transferred by a buyer or lessee to a manufacturer pursuant to paragraph (2) of subdivision (d) of Section 1793.2 or a similar statute of any other state, unless the nature of the nonconformity experienced by the original buyer or lessee is clearly and conspicuously disclosed to the prospective buyer, lessee, or transferee, the nonconformity is corrected, and the manufacturer warrants to the new buyer, lessee, or transferee in writing for a period of one year that the motor vehicle is free of that nonconformity.

2. Except for the requirement that the nature of the nonconformity be disclosed to the transferee, paragraph (1) does not apply to the transfer of a motor vehicle to an educational institution if the purpose of the transfer is to make the motor vehicle available for use in automotive repair courses.

The Magnuson-Moss Warranty Act

The Magnuson-Moss Warranty Act is a Federal Law that protects the buyer of any product which costs more than $25 and comes with an express written warranty. This law applies to any product that you buy that does not perform as it should.

Your car is a major investment, rationalized by the peace of mind that flows from its expected dependability and safety. Accordingly, you are entitled to expect an automobile properly constructed and regulated to provide reasonably safe, trouble-free, and dependable transportation – regardless of the exact make and model you bought. Unfortunately, sometimes these principles do not hold true and defects arise in automobiles. Although one defect is not actionable, repeated defects are as there exists a generally accepted rule that unsuccessful repair efforts render the warrantor liable. Simply put, there comes a time when “enough is enough” – when after having to take your car into the shop for repairs an inordinate number of times and experiencing all of the attendant inconvenience, you are entitled to say, ‘That’s all,’ and revoke, notwithstanding the seller’s repeated good faith efforts to fix the car. The rationale behind these basic principles is clear: once your faith in the vehicle is shaken, the vehicle loses its real value to you and becomes an instrument whose integrity is impaired and whose operation is fraught with apprehension. The question thus becomes when is “enough”?

As you know, enough is never enough from your warrantor’s point of view and you should simply continue to have your defective vehicle repaired – time and time again. However, you are not required to allow a warrantor to tinker with your vehicle indefinitely in the hope that it may eventually be fixed. Rather, you are entitled to expect your vehicle to be repaired within a reasonable opportunity. To this end, both the federal Moss Warranty Act, and the various state “lemon laws,” require repairs to your vehicle be performed within a reasonable opportunity.
Under the Magnuson-Moss Warranty Act, a warrantor should perform adequate repairs in at least two, and possibly three, attempts to correct a particular defect. Further, the Magnuson-Moss Warranty Act’s reasonableness requirement applies to your vehicle as a whole rather than to each individual defect that arises. Although most of the Lemon Laws vary from state to state, each individual law usually require a warrantor to cure a specific defect within four to five attempts or the automobile as a whole within thirty days. If the warrantor fails to meet this obligation, most of the lemon laws provide for a full refund or new replacement vehicle. Further, this reasonable number of attempts/reasonable opportunity standard, whether it be that of the Magnuson-Moss Warranty Act or that of the Lemon Laws, is akin to strict liability – once this threshold has been met, the continued existence of a defect is irrelevant and you are still entitled to relief.

One of the most important parts of the Magnuson-Moss Warranty Act is its fee shifting provision. This provision provides that you may recover the attorney fees incurred in the prosecution of your case if you are successful – independent of how much you actually win. That rational behind this fee shifting provision is to twofold: (1) to ensure you will be able to vindicate your rights without having to expend large sums on attorney's fees and (2) because automobile manufacturers are able to write off all expenses of defense as a legitimate business expense, whereas you, the average consumer, obviously does not have that kind of economic staying power. Most of the Lemon Laws contain similar fee shifting provisions.

You may also derive additional warranty rights from the Uniform Commercial Code; however, the Code does not allow you in most states to recover your attorney fees and is also not as consumer friendly as the Magnuson-Moss Warranty Act or the various state lemon laws.
The narrative information on Magnuson-Moss, UCC and lemon laws on these pages is provided by Marshall Meyers, attorney.

Uniform Commercial Code Summary

The Uniform Commercial Code or UCC has been enacted in all 50 states and some of the territories of the United States. It is the primary source of law in all contracts dealing with the sale of products. The TARR refers to Tender, Acceptance, Rejection, Revocation and applies to different aspects of the consumer's "relationship" with the purchased goods.

TENDER -

The tender provisions of the Uniform Commercial Code contained in Section2-601 provide that the buyer is entitled to reject any goods that fail in any respect to conform to the contract. Unfortunately, new cars are often technically complex and their innermost workings are beyond the understanding of the average new car buyer. The buyer, therefore, does not know whether the goods are then conforming.

ACCEPTANCE -

The new car buyer accepts the goods believing and expecting that the manufacturer will repair any problem he has with the goods under the warranty.

REJECTION -

The new car buyer may discover a problem with the vehicle within the first few miles of his purchase. This would allow the new car buyer to reject the goods. If the new car buyer discovers a defect in the car within a reasonable time to inspect the vehicle, he may reject the vehicle. This period is not defined. On the one hand, the buyer must be given a reasonable time to inspect and that reasonable time to inspect will be held as an acceptance of the vehicle. The Courts will decide this reasonable time to inspect based on the knowledge and experience of the buyer, the difficulty in discovering the defect, and the opportunity to discover the defect.

The following is an example of a case of rejection: Mr. Zabriskie purchase a new 1966 Chevrolet Biscayne. After picking up the car on Friday evening, while en route to his home 2.5 miles away, and within 7/10ths of a mile from the dealership, the car stalled and stalled again within 15 feet. Thereafter, the car would only drive in low gear. The buyer rejected the vehicle and stopped payment on his check. The dealer contended that the buyer could not reject the car because he had driven it around the block and that was his reasonable opportunity to inspect. The New Jersey Court said;

To the layman, the complicated mechanisms of today's automobile are a complete mystery. To have the automobile inspected by someone with sufficient expertise to disassemble the vehicle in order the discover latent defects before the contract is signed, is assuredly impossible and highly impractical. Consequently, the first few miles of driving become even more significant to the excited new car buyer. This is the buyer's first reasonable opportunity to enjoy his new vehicle to see if it conforms to what it was represented to be and whether he is getting what he bargained for. How long the buyer may drive the new car under the guise of inspection of new goods is not an issue in the present case because 7/10th of a mile is clearly within the ambit of a reasonable opportunity to inspect. Zabriskie Chevrolet, Inc. v. Smith, 240 A. 2d 195(1968)
It is suggested that Courts will tend to excuse use by consumers if possible.

REVOCATION -

What happens when the consumer has used the new car for a lengthy period of time? This is the typical lemon car case. The UCC provides that a buyer may revoke his acceptance of goods whose non-conformity substantially impairs the value of the goods to him when he has accepted the goods without discovery of a non-conformity because it was difficult to discover or if he was assured that non-conformities would be repaired. Of course, the average new car buyer does not learn of the nonconformity until hundreds of thousands of miles later. And because quality is job one, and manufacturers are competing on the basis of their warranties, the consumer always is assured that any noncomformities he does discover will be remedied.

What is a noncomformity substantially impairing the value of the vehicle?

1. A noncomformity may include a number of relatively minor defects whose cumulative total adds up to a substantial impairment. This is the "Shake Faith" Doctrine first stated in the Zabrisikie case. "For a majority of people the purchase of a new car is a major investment, rationalized by the peace of mind that flows from its dependability and safety. Once their faith is shaken, the vehicle loses not only its real value in their eyes, but becomes an instrument whose integrity is substantially impaired and whose operation is fraught with apprehension".

2. A substantial noncomformity may include a failure or refusal to repair the goods under the warranty. In Durfee V. Rod Baxter Imports, the Minnesota Court held that the Saab owner that was plagued by a series of of annoying minor defects and stalling, which were never repaired after a number of attempts, could revoke, "if repairs are not successfully undertaken within a reasonable time", the consumer may elect to revoke.

3. Substantial Non Conformity and Lemon Laws often define what may be considered a substantial impairment. These definitions have been successfully used to flesh out the substantial impairment in the UCC.
Additional narrative information on Magnusson-Moss, UCC and lemon laws on these pages is provided by T. Michael Flinn, attorney.

Link:http://www.yourlemonlawrights.com/state_laws/california.htm

Lemon law-The United States specifically for the legal quality of automotive products

Lemon law in the name originated in the United States economist George A. Akerlof published a dissertation in economics.

Lemon Laws is a vehicle of the United States Consumer Protection Act, commonly known as, on it from the legal provisions of the vehicle manufacturers and automotive manufacturers the responsibility of the interests of consumers. Since this very reason, after the factory must have the flaw problem cars, often referred to as a Lemon Car or directly as the lemon.

##CONTINUE##The interests of consumers in the United States on the protection of the laws of the states are from the United States on its own, formulate and implement. Lemon law states vary, but more or less the same, their common features are as follows:

1, The law provides that automobile manufacturers from responsibility for defects, not by the seller is responsible for;

2, If the vehicle in the warranty period the same serious failures or defects have been repaired by the lemon law provides that the number, but the failure or defect has not removed the vehicle shall be considered a "lemon car";

3, For states to meet lemon law can be replaced or a refund of the repair of vehicles or vehicle out of time the number of vehicles (as long as it meets one of the conditions), can be replaced by the new owners decide or refund;

4, If the vehicles meet the lemon law vehicle replacement or refund, but the manufacturer refused to owners to replace or refund request, the owners have the right to draw the attention of state court proceedings.

Finger exercise can let your children Smarter

Children to 3 years of age, with the development of action thinking "do-it-yourself" wish. This time parents can use some simple tools to exercise the degree of the child's finger dexterity, intelligence Child Development. Or the following game can be easy to do home work that many parents let children exercise:

##CONTINUE##Shredded paper: use colorful paper tear bar so freely Children and tear out the shape can imagine noodles, biscuits, hair things and so on, if there is the sewing machine at home, mother can compare the use of sewing machines on a hard paper pinhole step group into a variety of graphics to let children play down into pieces.

Folded handkerchiefs, tissue paper: tissue paper handkerchiefs are very soft and can easily be converted into a variety of graphics, to teach children how to fold the edge angle, into a paper boat, paper cranes, flowers, fans and so on.

Beads to wear buttons: to let children use lines, plastic rope to the shape of beads of various colors to wear button up, with children of skilled action, fine bead and button holes can gradually become smaller, tapered rope soft.

Folder sugar ball billiards: to let children use chopsticks to bowl the ball glass beads or particles of sugar to its container folder, exercise after a period of time can be replaced by a smaller circular particles beans.

Pointing action: Children learn to sing and dance at the same time can teach children a variety of small hand and pointing to the content of performance out of action.

Hand-made self-care: With the combination of the daily lives of older children can tie their own shoelaces, using chopsticks to eat; to prepare children for a small paper-cutting scissors production, types of plastic toys PLAYING interpolation and so on, can promote the development of fine motor Children.

Experts have pointed out that: a finger exercise can stimulate the brain, the majority of the region, and thinking through the brain and eyes to observe, but also continue to correct to improve the degree of fine finger motion. Brain with eye-hand coordination that can greatly promote the intellectual development of young children, so parents must give children many hands-on opportunities.

How to Solve Drug injury in the United States?

Each treatment has potential benefits and potential side effects. In some cases, and in accordance with your state of health, the benefits of a particular drug may not be better than the possible negative side effects. Patients with medication may be decided not to because of the risks and negative side effects associated.

Conceal the risks of drug manufacturers:When pharmaceutical manufacturers attempt to cover up to hide these negative side effects or risk of severe joint treatment, they break the law. In other cases, drug manufacturers improper testing of drugs to patients in their admininstered before, or react to the deadly drug with other treatments. When the flaw was the implementation of drug use false reasons, and even the same physical injury and death happen.

##CONTINUE##Been answered; to protect the future of your health:If you have been provided treatment and there is an unexpected, persistent side effects, you may be eligible for changes have been made to your way of life because of course the quid pro quo harm. Conversation with a personal injury lawyer is the one of you can make one of the most important decisions. You will not regret about your life may be changed or that you love life an important issue of accurate information.

British pop beauty of food

England women's health further closer to the beauty.

1. Brown: drink made with brown rice can be consumed directly. With speeding up the metabolism of vitamin B group and dietary fiber, as the beauty of food is essential.

2. Nuts: One hundred years ago, people enjoy drinking in the squeeze from the nuts of the oil, it is rich in vitamin B, can be used to open hot water to drink, the food can also be used as seasonings.

##CONTINUE##3. Amino acid drinks: As the body of essential nutrition and energy source, amino acids highly respected. The effect of various amino acids by the different classifications, add to the drink. Restore physical, such as in accordance with such flexibility in the use of different purposes, which is very convenient.

19 beauty technology

1. Toiletries from time to time want all the cleaning, washing and dry naturally.

2. Make-up do not have to put pen cap in order to maintain smooth and perfect the shape of the nib.

3. Brush must be the end of each brush thoroughly washed and placed with the head pointing towards the vertical up, Do not brush hair when other toothbrush.

##CONTINUE##4. Comestic brush with the exclusive use, as a dedicated soft brush and thick, and because of differences in the shape of different purposes.

5. The inside with banana deal with infections, methods to gently wipe the face at the site of the Minister of acne.

6. Before sunbathing to do to remove all deodorant, perfume and cosmetics residues.

7. Face to wipe excess powder residue after the powder to the hands and massage the skin on other parts.

8. Aboard a plane, pay attention to maintaining the skin's moisture. Since atmospheric pressure will make the skin dry, to that end, put some cleaning in the bag with cotton, ready to face increased water.

9. Reddish color to avoid in the face with a purple line, red line of cosmetics; sallow complexion, and do not use rigid neutral brown color and medium.

10. Flexible use of pink, purple or green line of the song can be to reconcile the reddish pink color.

11. Choose foundation can try Autoleveller in two colors on the back of the hand.

12. Summer, do not use foundation, switch to color the latex has to give the skin a natural luster, and shows a touch of bronze.

13. At the inside corner of the eye make-up pen with a red point on a small point, can increase the eye look brighter.

14. Under the edge of the eyelids with black eyeliner like depiction, the eye can increase concentration and mystery; switch to other colored pens, the color such as light than your eye shadow or deep that point, you can have dim eyes the beauty of the dream.

15. Tu cosmetics around the eyes at the time to be very careful, because this delicate part of the organizations, in particular, there is not pulling or pushing the action, which will change the skin here song.

16. Eye shadow put into box mounted.

17. On the cheeks and eyelids caused Blusher brush on the effect of soft, plus a few mascara, you can simple make-up finish.

18. Powder products, such as eye shadow and Blush hand, the action to light. Check color brush first and gently brush the back of the wrist at a few of the powder to remove the excess.

19. The most natural way to make hair more glossy black. Gold-colored hair in shampoo with chamomile water after wetting can be caused by soft sheen. Black, brown hair may be walnut shell on the water boil, and then slow-fire cooking temperature for 2 hours, filter out the juice into containers, shampoo hair red juice later, there is 2 seconds and then rinse out.

About the United States auto insurance

The United States auto insurance is varied, the same insurance, price and service quality, there is probably different. The United States has in the end of the auto insurance How many? How to choose?

1, Bodily injury insurance: Insurance are not insurance, almost all states this request. Other major medical benefits, rehabilitation and funeral costs, and some also pay legal costs and mental anguish. Payments of up to half a million U.S. dollars per person, or one million dollars per case, of course, the amount of compensation may exceed the amount of insurance cover.

##CONTINUE##2, Property damage insurance: Compensation for loss of a car accident the other vehicles, including repair and replacement costs, as well as other damage to property, insurance policies and the amount of compensation from the U.S. 5000 (Minimum Standards) to hundreds of thousands of dollars.

3, Personal injury protection: The main benefit their own medical and funeral expenses, lost wages due to accident, regardless of the reasons for the accident, if you have other health, life, disability insurance, that they meet the minimum requirements for the state.

4, No insurance and inadequate insurance motorists insurance: Pay their own medical care, rehabilitation and funeral expenses. If the other party without adequate insurance, especially in dense population areas a lot of people without insurance, and only self-protection, at least 100,000 U.S. dollars for each person, 300,000 U.S. dollars for each accident; Uninsured-motorist property damage is the loss of benefits car.

5, Crash: Car, for any reason, whether caused by accident, pay yourself a collision caused by the loss of security of at least 250 U.S. dollars.

6, All-inclusive insurance: Car, for any reason, regardless of losses, can be compensated.

7, Glass breakage: Pay yourself auto glass damage.

8, The trailer: Pay yourself the cost of car trailer.

9, Car compensation: Payments you should not use car rental cost at the time.

So how to choose affordable auto insurance?

The price is still the most important considerations are to find a state Department of Insurance to provide consultative price.Must want new and hate the old, do not just look at the price factor, it is necessary to thoroughly compare the costs with their situation are more likely to happen, and insurers and the new contact, but also to spend time.Avoid a car accident, if things do not bad, the best solution both in private on the spot, not to leave a bad record.Attention to the various auto insurance discount for the best interests of their own.