Car and Rental Insurance Coverage – State Farm. #comprehensive #car #insurance #comparison

#general car insurance

Car Insurance Coverage That Fits You

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Liability Coverage

How are you covered in case of an accident?

You were distracted while backing out of a parking space and didn’t see the car behind you until it was too late. You hit the car and you crashed through a fence, too. Everyone in the other car seems fine, but the other driver and his passengers go to the emergency room just to make sure.

Liability Coverage pays damages due to bodily injury and property damages to others for which you are responsible. If you’re sued, it also pays your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of what Liability Bodily Injury may cover. Liability Property Damage covers damage to property and loss of its use.

Every state sets a minimum coverage level. Selecting more than the minimum coverage would increase your cost now but potentially give you more protection in case of an accident. Since it’s impossible to know the most you’d have to pay if you were to cause an accident that resulted in bodily injury or property damage, be sure to take some time and consider whether you’d be able to afford any damages that exceed your auto insurance coverage. The higher your limits, the more likely it is that we’ll be able to pay all of the damages for you. Limits higher than the state minimum might be the best choice for you.

Medical Payments Coverage

How are you covered in case of an accident?

You were stopped at a red light when another car hit yours. You were injured. Medical Payments Coverage will pay reasonable and necessary medical and funeral expenses for covered persons.

Reveals The Average Monthly Auto Insurance Rates Per State #car #used

#monthly car insurance
# is an all-in-one stop for quotes on car insurance. The company reveals the average month auto insurance rates for every state across the nation so consumers can have a better idea of what to expect when looking for auto insurance.

Instant Insurance Quotes

We aim to help consumers maximize their savings by providing as much tips and opportunities to compare as possible on a regular basis.

New York, NY (PRWEB) July 24, 2012, part of the Insurance Quotes USA Finance network, is an all-in-one stop for news, tips, and quotes on auto insurance. The company is pleased to reveal the current average monthly auto insurance rates for every state across the United States. We aim to help consumers maximize their savings on car insurance, said Eric, Senior Advisor of We believe by releasing such information, consumers can be better prepared on what to expect when looking for auto insurance quotes.

Utah: $58.83

Vermont: $58.25

Virginia: $58.17

Washington: $70.00

West Virginia: $71.42

Wisconsin: $51.25

Wyoming: $53.25

In addition to knowing the state average, also recommends consumers to know the top insurance companies in different regions within the United States so they can know which companies to approach first in priority when looking for auto insurance.

About the Insurance Quotes USA Network

The Insurance Quotes USA (IQUSA) network currently has 4 web properties within the network –,,, and Each website serves a unique purpose for consumers in the United States. With the company s I.Q.U.S.A. service model – Instant insurance quotes, Quotes from multiple companies, Unbeatable coverage types, Smooth user experience, and Affordable policy rates – the company aims to build a strong online presence in the insurance industry through new domain acquisitions and development. In addition to car insurance, the IQUSA network also provides home, health, life, business, and travel insurance quotes .

How does work? When a zip code is entered, the system automatically determines the location of the zip code, connects with insurance providers in the specific area, and then displays quotes from multiple companies on the screen. The entire process completes in a matter of seconds. Compare and save money on affordable insurance plans today.

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Logistics and Supply Chain Management – Athens State University #athens #state, #athens #state #university, #youniversity, #athens, #arts #and #sciences, #business, #education, #masters


Logistics and Supply Chain Management

Logistics and Supply Chain Management is a field of study of supply chain networks that organizations use to acquire, produce, and deliver goods and services all over the world. Our program is holistic because of the integration of the sources, production, distribution, and reverse logistics processes. We focus extensively on management information systems that are a key critical enabler of efficiency, effectiveness, and responsiveness. Our faculty, both fulltime as well as adjunct, remain active in the logistics programs through their leadership of organizations and programs in both the private as well as the public sector. This allows our students to understand the theoretical aspects of logistics and supply chain management while also gaining a keen understanding of how it is applied in business settings today. Our faculty collaborate with colleagues in other disciplines as well as with practicing senior managers in both government and the private sector.

Our focus is to prepare students for technical, functional, and leadership positions at top-tier businesses and government agencies. Our students work closely with faculty from the onset of their program to ensure the best preparation for life after graduation, including working on research projects that could lead to publication in academic journals. There are great universities across America with logistics and supply chain programs similar to ours. What distinguishes Athens State is our faculty; and, when coupled with the support resources available to students, there is no university that will better prepare students to be highly competitive to take advantage of great career opportunities in many business fields.

Students will learn how to plan and forecast demand for products and services and gain an understanding of operations involving the movement of materials from raw materials for production to providing the finished product to the end consumer. After gaining an understanding of the supply chain function, students will learn how to manage the logistical movement of goods and products to include the transportation and services involved. An emphasis will be placed on understanding these functions within the government setting.

Career Opportunities

  • Supply Chain Managers
  • Materials Planners
  • Global Logistics Managers

MSW Program Admissions – School of Social Work – San Francisco State University #san #jose #state #msw


MSW Program Admissions

We had our Information Session on October 4, 2016. If you were not able to attend, please review the following materials:

MSW Program Application Process

Please note: The MSW Program application process involves a two-step process of submitting applications to both SFSU Graduate Studies and the School of Social Work.

  • Apply to SFSU through CSU Mentor (Graduate Studies) ( )
  • CSU Mentor Application opens October 1, 2016
  • CSU Mentor Application Deadline: Thursday, December 1, 2016, before 11:59PM .
  • The GRE is not required
  • Submit all Official Transcript(s) to Graduate Studies
  • Upon completion of the CSU Mentor application, the applicant should complete the required MSW Program Application and supporting documents.
  • Upon completion of the CSU Mentor, the applicant will receive a SFSU Student ID number by email.
  • Incomplete, late applications, and/or late supporting documents will not be accepted.
  • MSW Application and all other required supplemental supporting documents Deadline: Thursday, December 15, 2016,postmarked before 11:59PM.
  • Child Welfare Title IV–E Application Deadline: Thursday, December 15, 2016,postmarked before 11:59PM.

For additional information, please read theMSW Program Application InstructionsandMSW Program and Admission FAQ.

MSW Application and Supporting Documents

If you applied for admission to the MSW program for Fall 2016 and would like to reactivate your application for Fall 2017, please complete the following form:

Onondaga Community College Housing #onondaga #community #college #housing, #onondaga #community #college #housing, #110 #walton #street, #2984 #us #route #11, #116 #east #main #street #2b, #116 #east #main #street #1b, #116 #east #main #street #1a, #11 #centennial #drive #b1, #106 #grenfell #rd, #109 #essex #street, #4793 #enders #road, #658 #n. #salina #street, #124 #west #manlius #street, #407-409 #stolp #ave., #508 #ivy #ridge #road, #116 #newbury #hollow #lane, #croyden #lane, #59 #state #street, #3179 #bellevue #ave, #greenway #apartments, #hazelhurst #apartments, #424 #maple #street, #105 #herkimer #street, #12.5 #union #street, #2813-2817 #burnet #avenue, #308 #burnet #ave, #519 #s. #beech #street, #1311 #madison #st., #17 #26th #ave, #122-126 #east #genesee #street, #7858 #route #31, #429 #elm #street


Onondaga Community College Housing Search Results

Onondaga Community College Housing

Housing on Uloop provides Onondaga Community College students with Houses, Condos, and Apartments for rent around campus for the year, for the semester, and sublets during the summer. The Housing category on Uloop also provides Roommate listings from Onondaga Community College students who are looking for roommates in Syracuse. You can find roommates at Onondaga Community College for the semester or quarter, for the school year, and for the summer. In the Uloop Housing category you can post and find 1 BR, 2 BR, 3 BR, and 4 BR Apartments for rent, Houses for rent, Condos for rent, and Sublets for rent to students at Onondaga Community College in Syracuse.

Student Housing Off Campus is also available at these other schools

NY Student Housing

College Student Housing

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NAIC Special Section: Long-Term Care Insurance # #naic, #national #association #of #insurance #commissioners, #insurance, #state #insurance, #insurance #regulators, #public #interest, #insurance #consumers, #insurance #institutions, #state #regulation #of #insurance, #long-term #care, #long-term #care #insurance, #home #health #care, #respite #care, #hospice #care, #adult #day #care, #care #in #a #nursing #home, #care #in #an #assisted #living #facility


10 Things You Should Know About Buying Long-Term Care Insurance

Long-Term Care is Different From Traditional Medical Care
Someone with a prolonged physical illness, a disability or a cognitive impairment such as Alzheimer s disease often needs long-term care. Long-term care services may include help with daily activities, home health care, respite care, hospice care, adult day care, care in a nursing home or care in an assisted living facility.

Long-Term Care Can be Expensive
The cost depends on the amount and type of care you need and where you get it. In 2001, the national average cost of nursing home care was $56,000 per year, assisted living facilities reported $22,476 per year and home care costs ranged from $12,000 to $16,000 per year.

You Have Options When Paying for Long-Term Care
People pay for long-term care in a variety of ways. These include using personal resources, long-term care insurance and Medicaid for those who qualify. Medicare, Medicare supplement insurance and health insurance you may have at work usually will not pay for long-term care. Long-term care insurance will pay for some or all of your long-term care.

Decide Whether Long-Term Care Insurance is for You
Whether you should buy a long-term care insurance policy will depend on your age, health status overall retirement goals, income and assets. For instance, if your only source of income is a Social Security benefit or Supplemental Security Income (SSI), you probably should not buy long-term care insurance since you may not be able to afford the premium. On the other hand, if you have a large amount of assets but do not want to use them to pay for long-term care, you may want to buy a long-term care insurance policy. Many people buy a policy because they want to stay independent of government aid or the help of family. They don t want to burden anyone with having to care for them. However, you should not buy a policy if you can t afford the premium or are not sure you can pay the premium for the rest of your life.

Pre-Existing Condition Limitations
A long-term care insurance policy usually defines a pre-existing condition as one for which you received medical advice or treatment or had symptoms within a certain period before you applied for the policy. Some companies look further back in time than others. Many companies will sell a policy to someone with a pre-existing condition. However, the company may not pay benefits for long-term care related to that condition for a period after the policy goes into effect, usually six months. Some companies have longer pre-existing condition periods or none at all.

Know Where to Look for Long-Term Care Insurance
Long-term care insurance is available to you in several different forms. You can buy an individual policy from a private insurance company or agent, or you can buy coverage under a group policy through an employer or association membership. The federal government and several state governments offer long-term care insurance coverage to their employees, retirees and their families. You can also get long-term care benefits through a life insurance policy. Some states have long-term care insurance programs designed to help people with the financial impact of spending down to meet Medicaid eligibility standards. Check with your state insurance department or counseling program to see if these policies are available in your state.

Check With Several Companies and Agents
Contact several companies and agents before you buy a long-term care policy. Be sure to compare benefits, the types of facilities covered, limits on your coverage, what is not covered and the premium. Policies from different insurance companies often have the same coverage and benefits but may not cost the same. Be sure to ask companies about their rate increase history and whether they have increased the rates on the long-term care insurance policies.

Don t be Misled by Advertising
Most celebrity endorsers are professional actors paid to advertise, not insurance experts. It is also important to note that Medicare does not endorse or sell long-term care insurance policies, so be wary of advertising that suggests Medicare is involved. Do not trust cards you get in the mail that look like official government documents until you check with the government agency identified on the card.

Make Sure the Insurance Company is Reputable
To help you find out if an insurance company is reliable, you can take the following actions: Stop before you sign anything, call your state insurance department and confirm that the insurance company is licensed to do business in your state. After you make sure they are licensed, check the financial stability of the company by checking their ratings. You can get ratings from some insurer rating services for free at most public libraries.

Review Your Contract Carefully
When you purchase long-term care insurance, your company should send you a policy. You should read the policy and make certain you understand its contents. If you have questions about your insurance policy, contact your insurance agent for clarification. If you still have questions, turn to your state insurance department or insurance counseling program.

1990 – 2008 National Association of Insurance Commissioners. All rights reserved.
SM Insure U and Stop. Call. Confirm are registered service marks of the National Association of Insurance Commissioners.

Breeds of Livestock – Oklahoma State University – Breeds of Livestock, Department of Animal Science #oklahoma #state #vet #school


Breeds of Livestock – Oklahoma State University

Breeds of Livestock – Oklahoma State University

W elcome to the Breeds of Livestock resource presented by the Department of Animal Science at Oklahoma State University. This site is intended as an educational and informational resource on breeds of livestock throughout the world. We hope you enjoy the information provided and find it both educational and fun. We see this site as a continually growing resource. As time passes we will be expanding the educational and scientific information pertaining to breeds. We already have breeds from every inhabited continent and we have cooperative projects underway with individuals at a number of other Universities to add to our listings and to expand existing information. We would welcome additional cooperative efforts so please let us know.

The classic definition of a “breed” is usually stated as a variation of this statement.

Animals that, through selection and breeding, have come to resemble one another and pass those traits uniformly to their offspring.

Unfortunately this definition leaves some unanswered questions. For example, when is a crossbred animal considered a composite breed and when do we stop thinking about them as composites? Perhaps this definition from The Genetics of Populations by Jay L. Lush helps explain why a good definition of “breed” is elusive.

A breed is a group of domestic animals, termed such by common consent of the breeders. a term which arose among breeders of livestock, created one might say, for their own use, and no one is warranted in assigning to this word a scientific definition and in calling the breeders wrong when they deviate from the formulated definition. It is their word and the breeders common usage is what we must accept as the correct definition.

As you can see from Dr. Lush’s definition it is at least in part the perception of the breeders and the livestock industry which decides when a group of individuals constitutes a “breed”.

The development of the breeds takes different routes also. In some breeds you can see the amount of change that can occur as the result of selection for a small number of traits. As an example, Holstein cattle have been selected primarily for milk production and are the highest milk producing cattle in the world. Other breeds have traits that result from natural selection pressure based upon the environment in which they were developed. An example of this might be the N’dama cattle from west Africa. These animals have, through the centuries, developed a resistance to trypanosomiasis or sleeping sickness spread by the tse-tse fly, which is fatal to most other breeds of cattle.

Why are we concerned about preserving information about minor, or relatively unknown, breeds of livestock?

Is there a reason for the preservation of minor breeds of livestock? Couldn’t more improvement be made if there were fewer breeds? Well, lets go back to our Holstein example again for a moment. While the Holstein clearly has an advantage over other breeds in the production of whole milk, this advantage is based on feeding high levels of cereal grains and pricing that favors low milk-solids content. A drastic change in either of these factors could result in a decrease in the advantage of the Holstein. Given these conditions perhaps a breed that is currently rare or endangered, such as the Dutch Belted. which displayed excellent milking ability in a grass-based dairy situation in trials in the early 1900’s, would find itself on the forefront. In Australia, composite breeds, such as the Australian Friesian Sahiwal. have been developed which have higher milk production levels than Holsteins in the tropical regions of that country. Another example might be an increased need for natural resistance to diseases or parasites should a current antibiotic or other treatment become unavailable or ineffective. An example of this type might be the natural resistance some breeds of sheep have to internal parasites. Should anthelmintics become restricted or uneconomical then a breed such as the critically endangered Gulf Coast Native. with the parasite resistance it has developed through natural selection, could be of critical importance in the sheep industry. In many areas, genetic diversity should be maintained to help meet the potential challenge resulting from changes in production resources and market requirements. We hope that this project will serve as an information resource for the potential of some of these breeds.

Why do we have livestock at all? Don’t they just eat the food that would be better utilized by being given directly to people.

Agricultural animals have always made a major contribution to the welfare of human societies by providing food, shelter, fuel, fertilizer and other products and services. They are a renewable resource, and utilize another renewable resource, plants, to produce these products and services. In addition, the manure produced by the animals helps improve soil fertility and, thus, aids the plants. In some developing countries the manure cannot be utilized as a fertilizer but is dried as a source of fuel.

Food is, by far, the most important contribution of agricultural animal, although they rank well behind plants in total quantity of food supplied. Plants supply over 80 percent of the total calories consumed in the world. Animals are a more important source of protein than they are of calories, supplying one-third of the protein consumed in the world. Meat, milk and fish are about equal sources of animal protein, supplying, respectively, 35%, 34% and 27% of the world supply of total protein.

There are many who feel that because the world population is growing at a faster rate than is the food supply, we are becoming less and less able to afford animal foods because feeding plant products to animals is an inefficient use of potential human food. It is true that it is more efficient for humans to eat plant products directly rather than to allow animals to convert them to human food. At best, animals only produce one pound or less of human food for each three pounds of plants eaten. However, this inefficiency only applies to those plants and plant products that the human can utilize. The fact is that over two-thirds of the feed fed to animals consists of substances that are either undesirable or completely unsuited for human food. Thus, by their ability to convert inedible plant materials to human food, animals not only do not compete with the humans rather they aid greatly in improving both the quantity and the quality of the diets of human societies.

Table 1 presents some statistics that are ignored by those who would suggest that we can no longer afford the luxury of animal foods. Only about one-third of the land area of the world is classified as agricultural. Thus, roughly two-thirds of the land area of the world is not suited for any sort of agricultural use because it is covered by cites, mountains, deserts, swamps, snow, etc. Of the 35 percent that can be devoted to agriculture, less than one-third (or about 10% of the total land area) can be cultivated and produce plant products that the human can digest. The remaining two-thirds of the world’s agricultural land is covered by grass, shrubs or other plants that only ruminant animals can digest. Thus, the inefficiency of animals is not a major concern since they represent the only way these plants can be converted to human food. As the human population of the world increases, it is likely that we will be forced to depend more and more on ruminant animals to meet the increased demands for food.

Thus far, nothing has been said about monogastric animals. It is true that swine and poultry can be competitors with the humans for food if they are produced by the intensive confinement systems widely practiced in the developed countries. In fact the highest proportion of feed grains and other concentrates, such as oilseed meals, fed to livestock in the United States are fed to swine and poultry. Current grain prices make this profitable. This obviously could change if grain prices increase in the future. However, the high reproductive rate and favorable feed efficiency of swine and poultry would keep them as important contributors to the diets of humans.

Breeds of Livestock Committee: Udaya Desilva

Language Arts Test Prep Reading Comprehension Online Tests #tcap, #standardized #tests, #skills #practice, #assessment #readiness, #state #standards, #reading #comprehension #tests


Reading Comprehension Tests

Links verified on 10/2/2015

  1. A Special Christmas Present – Read the text on the left and answer the questions.
  2. Causes of Floods – Read the text on the left and answer ten questions.
  3. The Effects of Stress – Read the text on the left and answer nine questions.
  4. From Carrots to Renovations: How I Spent $10,000 without Really Trying – Read the text on the left and answer five questions.
  5. Online Reading Passages with Exercises – online activities including comprehension, filling in the gap and recreating a story at levels basic to advanced. [This expired link is available through the Wayback Machine Internet Archive. If the page doesn’t load quickly click on Impatient? at the bottom right of the page.]
  6. The Positive Effects on Children of Owning a Dog – Read the text on the left and answer the questions.
  7. Reading Comprehension Corner – [grade 3 and above] Students choose a reading passage, then read and answer critical thinking questions that can be checked on the computer. Reading passages and questions are designed to reflect what students may encounter on state mandated standardized tests; from Mr. Nussbaum
  8. Reading Comprehension Passages on Health – Read articles, online interactive quizzes.
  9. Reading the Fine Print – students read advertisements to practice reading critically
  10. SQ3R Reading – [ten multiple-choice questions] lab activity to practice the SQ3R method of reading [This expired link is available through the Wayback Machine Internet Archive. If the page doesn’t load quickly click on Impatient? at the bottom right of the page.]
  11. Two Sisters and a Cat – Read the text on the left and answer the questions.
  12. Why People Get Tattoos – Read the text on the left and answer nine questions.

site for teachers | PowerPoint show | Acrobat document | Word document | whiteboard resource | sound | video format | interactive lesson | a quiz | lesson plan | to print

Internet4classrooms is a collaborative effort by Susan Brooks and Bill Byles.

Barry Glenn (425)483-6300 State Farm Insurance Agent -Offering Home, Life, Auto Insurance, and more, state farm business.#State #farm #business


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Across the street from the Seattle Times and just South of the YMCA.

  • Serving Woodinville, Bothell, & Surrounding areas
  • Help people relocating to Washington
  • Chairman Circle 2011 and 2013
  • Ambassador Travel Qualifier
  • Central Washington University, B.A.
  • Enjoy spending time with my family and friends
  • Involved in Church activities and volunteering
  • Little League coach in Woodinville / Bothell Area
  • Greater Eastside resident for over 25 years
  • Focusing on Health Insurance needs in Bothell
  • Offering Auto insurance in Woodinville & Bothell
  • Offering Life insurance in Woodinville & Bothell
  • Offering Renters insurance in Woodinville & Bothell
  • Offering Homeowners insurance in Woodinville & Bothell
  • Offering local customer service 24/7

State farm business

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State Farm Bank, F.S.B., Bloomington, Illinois ( Bank ), is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank’s underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Before investing, consider the funds’ investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP2014/12/2170

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.

Texas State LOW Cost Insurance in Weatherford, TX – (817) 594-8, tx state low cost insurance.#Tx #state #low #cost #insurance


Texas State LOW Cost Insurance

Weatherford , TX 76086-5202

Since 1978, Texas State Low Cost Insurance has specialized in providing Texas drivers with affordable auto insurance and customer service second to none. Our local professional agents are ready to provide you with a quick, free quote. We are ready to do business your way over the Internet, by phone, or in person.

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Additional Information

Since 1978, Texas State Low Cost Insurance has specialized in providing Texas drivers with affordable auto insurance and customer service second to none. Our local professional agents are ready to provide you with a. more


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Cheapest auto insurance in town and good customer service

I seen the add in the phone book and called and instantly received a quote the same day,they didnt put me on hold like all the other places i called. The lady i spoke with was very friendly and treated me like a person and not just another customer. I went in and the lady there was very well-put together nice and had a beautiful smile. 🙂 It is a nice clean place and Im very glad that I chose to get insurance there. i bought car insurance there but she gave me some info on renters insurance too so i will probablly purchase it there also! If you need insurance you should definately give these people a call.


Since 1978, Texas State Low Cost Insurance has specialized in providing Texas drivers with affordable auto insurance and customer service second to none. Our local professional agents are ready to provide you with a quick, free quote. We are ready to do business your way over the Internet, by phone, or in person.