Picture it: You're days away from closing on a new home, your financing is secured, your belongings are packed and now all that's left is a phone call to your insurance agent to take out a home insurance policy. Then the nightmare begins.
You learn your dream home is uninsurable because the previous owner has a history of insurance claims.
Despite home inspections and real estate disclosures required by law, this can happen. Texas real estate broker Karen Wilson says she's seen it in her state. It was particularly a problem in 2002 and 2003, when home insurers in Texas stopped selling new policies after suffering heavy financial losses as the result of a sharp increase in mold and water-related claims. Since then, the market has stabilized, but if you purchase property with a history of insurance claims, it's going to cost you. In addition, if you yourself have a less than spotless claims history, it's going to cost you even more.
"If the seller has two dings on their report and you have one ding on your report, it can be an issue," Wilson says.
How do someone else's insurance claims on a house you don't yet own wind up affect you? A typical example goes like this: The homeowner discovers a leaky bathroom faucet and calls his insurance agent to discuss whether he should file a claim on his home insurance policy. Since the policy has a $500 deductible, he decides to repair it himself and skips filing a claim.
During the sale of his house, the homeowner discloses to you a previous claim for a burst water pipe in his basement for which his insurer paid, but he doesn't bother to mention the leaky faucet. After all, it is repaired and he spent his own money to fix it. When you go to purchase a policy for this home, you're denied based on the fact the home has had two "claims" in the past three years: the burst pipe and the leaky faucet.
"Unfortunately, consumers are not aware of that," Wilson says.
What has happened, according to Wilson, is the seller's insurer opened a claim file on the leaky faucet as soon as he called and then later marked it "closed, with no payment" when he decided to fix the leak himself.
While you may not have a clue about a home's past insurance claims, your insurer certainly does. There are two major property claim databases that contain loss history reports, C.L.U.E. (Comprehensive Loss Underwriting Exchange) and A-PLUS (Automated Property Loss Underwriting System). Most people refer to the reports generated by either system as C.L.U.E. reports because they are most often used by insurance companies. The C.L.U.E. database, owned by LexisNexis, enables insurance companies to access information on claims that have been filed within the last seven years.
When you apply for home insurance, your insurer will request a loss history report to determine whether you, the buyer, or the seller have filed any claims during the past seven years. The database also includes damage reports that were later closed when the owner made the repairs himself.
The Fair Credit Reporting Act guarantees you the right to receive a free copy of your loss history report if you are denied insurance due to information contained in it. Additionally, if you have a dispute with an insurer about the information in the report, you can ask that your account of the events be included in the report. You can order a free copy of your C.L.U.E. report once every 12 months.
Unfortunately, you can't order a C.L.U.E. report if you are not the homeowner. Prospective buyers aren't allowed to request a CLUE report for a home they want to purchase. "(But) there's nothing stopping you from asking the homeowner to provide you with a copy as a condition of the sale," says Wilson. She believes such requests will become commonplace.
Providing information to a potential buyer makes the home you are selling more attractive anyway, says Bill Madison, vice president and general manager of LexisNexis ' insurance services division that handles C.L.U.E. reports.
"By ordering a home seller's disclosure report at the time of listing, the smart seller and his/her agent are ready for the first potential buyer to walk in the door," Madison says. "At the same time, a potential buyer will achieve a greater comfort level when making an offer on a property for which the loss history is known."
The C.L.U.E. report does not display personal and private information about the home seller, he adds. It is specifically designed for use in the real estate disclosure process and only lists losses reported by insurance companies that are associated with the address in question. If the report for the property indicates that insurance losses have not occurred within the past five years, the buyer can feel comfortable that insurance loss history of the property should not impact the availability or pricing for home insurance, Madison says.
Home insurers have relied on information from C.L.U.E.'s property claims database since its launch in 1992 (a database for car insurance claims exists, too). Originally, insurers used it as a background check on applicants in order to ferret out a pattern of fraudulent claims, says Jeanne Salvatore, vice president of consumer affairs at the Insurance Information Institute. "Insurers are now taking a look at individual structures to see if there have been a lot of claims made on the property itself."
Just as previous claims on your auto insurance policy will hike your rates or perhaps cause an insurer to refuse to renew your policy, previous claims on your home insurance policy can affect your ability to obtain coverage on your new home. Past claims could also lead to a doubling or tripling of your premiums.
Texas real estate broker Karen Wilson, who had an expensive mold claim on a previous Texas home, was shocked to learn her policy on a brand new home was going to skyrocket from $1,100 annually to $2,900 — all because her insurer learned of her prior water-damage claim on a house she didn't own anymore.
Not only do loss history reports alert insurers to properties that carry potentially more risk than they are willing to assume, but they also give consumers another tool to make good purchasing decisions. "By having a home's claims history, the buyers have the information they need to confirm if all the necessary repairs were done properly," says Salvatore.
"If a burglar robbed the home in the past, the buyers can find out if the house is now secure. Do the alarms work? Have new locks been installed? If the answer is no, the buyer can rethink the purchase, or negotiate a lower price," says Salvatore.
Madison suggests that buyers request the "home seller's disclosure report" as a contingency to a real estate closing.
"Buyers need to be well informed about the history of the home they are buying so they don't encounter major surprises later on," he says.
Find out the rules regarding home insurance renewals in your state. Some states exercise control over when an insurer can refuse to renew your policy. In Texas, for example, an insurer can't refuse to renew your home insurance policy unless you've made three non-weather related claims within the past three years.
Consider paying for small losses out of your own pocket. Insurers take notice of customers who submit too many small claims. If someone breaks into your house and steals your new TV, it might be better to go out and buy a new one at your own expense, particularly if you've had a claim or two within the past three years.
Think twice before you call your agent or insurance company. If you are considering filing a claim but aren't sure, wait to make that call. The minute your insurer's customer service representative logs your call, the insurer has opened up a file on that issue that will be tracked through its computer system.
Shop around for coverage. If your insurer denies you a policy based on previous claims or the rates are simply unaffordable, don't get discouraged. Obtain insurance quotes from at least three other insurers so you can compare premiums and coverage options. Insure.com provides an annual ranking of the Best Home Insurers.
If you cannot get a home insurance policy, see if your state has a Fair Access to Insurance Requirements (FAIR) Plan. FAIR plans were created in the late 1960s to make property insurance more readily available to people who can't obtain it from private insurers because their property is considered "high risk."
Raise your deductible and consolidate insurers. Consider raising your deductible in order to lower your premiums. Also, most companies will give you a discount if you insure both your car and home with them.
Check your credit record. In addition to your past claims history, some states allow insurers to use your credit history to help them decide whether to issue you a policy.
Order a copy of your credit record periodically to ensure it doesn't contain mistakes that could prevent you from obtaining a home insurance policy or lead to higher premiums. See how your credit history affects your auto and home insurance premiums.
0 Responses to "Home buyers haunted by past owners' claims"


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Q: resultSet.next() always false I am debugging this code:
try {
    DatabaseMetaData databaseMetaData = connection.getMetaData();
    try ( ResultSet resultSet = databaseMetaData.getColumns(null, null, TABLE.toLowerCase(), column.toLowerCase()))
    {
        return resultSet.next();
    }
} catch (SQLException e) {
    logger.error(e);
    return false;
}

In debug, databaseMetaData.getColumns(null, null, TABLE.toLowerCase(), column.toLowerCase()).next() gives true, however, resultSet.next() is always giving false!

redpajama_set_name: RedPajamaStackExchange


text:
Cincinnati's Newest Mural: Get Up
91.7 WVXU | By Jim Nolan
Published March 27, 2013 at 12:14 PM EDT
MASERART.com
Irish-born graffiti artist Maser is internationally-known for his murals, and now he has added another large, outdoor work to a building in the Pendleton neighborhood of Cincinnati.
The mural entitled "Get Up" can be found at 522 E, 12th Street, between Pendleton St. and reading Rd.
The Cincinnati mural is indicative of Maser's work, which usually involves large fields of bold, contrasting colors and strong diagonal lines. Maser says that his background in graphic design - and typography in particular - is what has helped him develop his artistic style.
The site for the artwork was chosen by AGAR, a local company that specializes in event coordination. AGAR and Maser first collaborated on a skate park in Arkansas.
The painting will officially be unveiled on Friday, March 29th as part of Pendelton's Final Friday. The event will include an artist's reception from 7 - 11 p.m. as well as other art installations by Maser. Live music will be provided by local artists Archer's Paradox, Black Signal and DJ Clockwork.
Music: Another Life by Archer's Paradox
ArtsPendleton
Jim Nolan
Jim is a Northern Kentucky native and a father of three. In his spare time, Jim likes to read, play ice hockey and watch foreign films. He currently resides with his family on the East side of town.
See stories by Jim Nolan

redpajama_set_name: RedPajamaCommonCrawl


text:
A honeymoon idea turned into a Branford mobile prosecco and craft beer bar business – New Haven Register
Tara Capelli of Branford pours a drink at her Cork & Craft mobile prosecco and craft beer bar.
BRANFORD — Tara Capelli said she can't wait to tell her one-year-old daughter that someday — even on her honeymoon — if she comes up with a business idea, she "can bring it to life and make it a reality."
That's the way it happened for Capelli.
When she was honeymooning in Italy five years ago with husband Anthony Capelli, she noted there were many small trucks around and wouldn't it be "cool" to sell prosecco out of such a vehicle.
Tara Capelli and her husband, Anthony Capelli, on their wedding day five years ago, only days before while on their honeymoon, she imagined the dream of a mobile Prosecco cart.
One pandemic, one child, Ava Rose, and lots of pandemic realizations later, Tara Capelli now owns Cork & Craft, aprosecco and craft beer bar on wheels for rent that's getting lots of party time.
"I want to set the example for my daughter," Capelli said of making her own business dream come true.
Why prosecco — an Italian sparkling wine — and craft beer?
"I'm a lover of prosecco and I thought it would be awesome to have a prosecco bar on wheels, and my husband loves craft beer," she said.
"Cork & Craft" mobile Prosecco and craft beer bar with a free-standing bar in front that is also used for gigs.
The business isn't limited to those drink selections, as folks can customize their liquor and nonalcoholic selections to the vehicle's six taps, kegs and a free-standing bar that can be set up nearby. The vehicle has a cooling system to keep the drinks cold.
The vehicle also can be decorated for any occasion.
Tara Capelli's "Cork & Craft" mobile Prosecco and craft beer bar.
Tara Capelli uses a three-wheeled electric vehicle, an "eTuk" commonly used by vendors, that's custom designed and usually is brought to their gigs by trailer, although the vehicle is Department of Transportation compliant and can be driven in Branford.
Capelli said they're willing to operate the business all year — even in cold weather — and even can go in houses with French doors, garages or any other access because the vehicle doesn't emit fumes.
"I love making our clients happy and being a female business owner. … I love being able to meet new people – our clients, vendors," she said. "We like to celebrate every event after the year we've had (with the COVID-19 pandemic). There's no party too big or small."
From left to right: Maid of Honor Scarlett Nawrocki and Olivia Hodina in front of "Cork & Craft" mobile Prosecco and craft beer bar, which served gifts at Hodina's bridal shower.
Melanie Torres of Derby, who recently threw a surprise 60th birthday for her mother, said she grappled with making it BYOB or just buying liquor at a package store, but when she heard about Capelli's business, chose that option — and was glad she did.
"Everybody was like, 'Oh, my God. This is a great idea. They should have this at every party,'" Torres said.
"I loved it. … It took away a lot of the stress (of planning the party)," she said.
Tara Capelli in front of her "Cork & Craft" mobile Prosecco and craft beer bar.
Torres chose two beers, sangria and seltzer for her taps — that's what mom likes — and said she loved that the bartender suggested putting seltzer in the sangria for bubbly.
Cheryl Hodina of Tolland used Cork & Craft for her daughter's bridal shower in July after the maid of honor found it online. She said Tara Capelli was professional, easy to work with and prompt with requested documentation.
"It made for a very nice presentation and something for people to remember" Hodina said. "I couldn't be happier; I hope they take off."
"Cork & Craft" mobile Prosecco and craft beer bar cart ready for another celebration.
Tara Capelli said business is bustling and they've booked all kinds of celebrations, including weddings, birthday parties, showers and corporate events since they finally got on the road in September 2020 after pandemic delays.
Although she officially owns the business, husband Anthony — a medical device salesman by day — often pitches in with her tending bar.
"I think for me, most importantly, I enjoy seeing my wife enjoy and accomplish what she set out to do," Anthony Capelli said. "She has a flourishing business; I couldn't be more proud of her."
Seeing his wife's work up close, Anthony Capelli said the wedding/party planning business is a more "detail-oriented" than he thought and believes their service is "the focal point" for events.
The Cork & Craft mobile prosecco and craft beer bar decorated for a birthday party.
The price of the service isn't cheap and doesn't include the alcohol, but it varies with package deals and in some cases hourly rates of $500 per hour with a minimum of two hours. The prices include setup, serving and cleanup. While mobile bars can operate without a liquor license — requiring the party host to make the liquor purchase — Tara Capelli's business does have a special liquor permit, Anthony Capelli said.
She started going for the dream in September 2019, after she discovered the eTuk vehicle. She had it customized and intended to do the cart part-time in addition to her full-time job.
From left to right: Cheryl Hodina and her daughter, Olivia Hodina. Cheryl Hodina threw a bridal shower for her daughter and hired "Cork & Craft" mobile Prosecco and craft beer bar out of Branford and was thrilled with the service.
Then in March 2020 the pandemic hit and her first planned events were canceled. Capelli was pregnant, working her administrative job from home, so she took that time to go deeper into marketing the mobile bar business.
By the time the world opened up again, Ava Rose was born and Capelli had spent more time home with her than she thought she would be able to, deciding to keep it up.
Capelli said she "got too caught up in the 9-5" work scene and until the pandemic had been hesitant to take risks even though she grew up the daughter of a business owner.
She quit her job and is now focused on the mobile bar business.
"I think this past year we all learned time with your family is the most important thing," she said.
Tara and Anthony Capelli on their wedding day five years ago, just days before she expressed the dream of owning a Prosecco bar on wheels.
Beebe Goes Purple with Oct. 6 dine & donate event – CapeGazette.com
Private Akron club with ties to former Ohio State star Beanie Wells under increasing scrutiny – Akron Beacon Journal


The statute of limitations for fraud cases in Virginia is two years from the time the cause of action accrues. See Va. Code § 8.01-243. This is not necessarily two years from the time the fraud was committed. Fraud cases are subject to a "discovery rule," meaning that the cause of action will not accrue until the alleged misrepresentation is either discovered, or, by the exercise of due diligence, reasonably should have been discovered. See Va. Code § 8.01-249(1). The clock on the two-year period does not begin ticking until that moment in time. As you might expect, precisely when that moment occurs is often the subject of fierce disagreement.
To exercise due diligence, as contemplated by the statute, a plaintiff must use "such a measure of prudence, activity, or assiduity, as is properly to be expected from, and ordinarily exercised by, a reasonable and prudent [person] under the particular circumstances; not measured by any absolute standard, but depending on the relative facts of the special case." (See Schmidt v. Household Fin. Corp., II, 276 Va. 108, 118 (2008)). Who gets to decide whether a plaintiff exercised this level of prudence, activity, and assiduity? In most cases, it will be the jury. A motion to dismiss or plea in bar based on the statute of limitations normally will not be successful unless all the facts necessary for resolving the "due diligence" question appear on the face of the pleadings or are not in dispute. If there's a factual dispute about whether due diligence was exercised, the case will normally need to go forward so that the jury can hear evidence on the matter.
The existence of such a dispute was why a federal court in Virginia recently denied a motion to dismiss a fraud claim on statute-of-limitations grounds in the case of Harald McPike v. Zero-Gravity Holdings, Inc.
Harald McPike is a wealthy Austrian adventurer who entered into a contract with Zero-Gravity Holdings (then called Space Adventures, Ltd.), a Virginia company specializing in space tourism. The contract called for Zero-Gravity to arrange to send McPike into space, around the moon, and to the International Space Station. This was to be accomplished with the assistance of "Roscosmos," the Russian national space agency. In case you're wondering what something like this costs, the total contract price was $150,000,000.
In the course of negotiating the contract, Zero-Gravity represented orally to McPike that it had an exclusive arrangement with Roscosmos to complete a circumlunar mission. The parties signed the contract in March 2013. At some point after making an initial $7,000,000 deposit, McPike became concerned that Zero-Gravity might not actually have the ability to perform the parties' agreement. He had read in the Moscow Times–in July 2014–that Zero-Gravity had not consulted with Roscosmos about the circumlunar mission and had no contractual relationship with the space agency. When he emailed the company's President and CEO about the article, they replied that the story was incorrect and that Roscosmos had a new leader who was apparently unaware of the arragements with Zero-Gravity.
Zero-Gravity terminated the agreement after McPike failed to make an additional installment payment towards the deposit. Sixteen months later, McPike received a letter from Roscosmos in which it stated that "there are no valid documents containing any legal obligations of Roscosmos to [Zero-Gravity]." McPike concluded that he had been defrauded, and on May 17, 2017, he sued Zero-Gravity in federal court for fraud and a number of other claims. Zero-Gravity moved to dismiss the fraud claim, noting that the two-year statute of limitations had expired.
The issue became whether McPike had filed the lawsuit within two years of the time the alleged fraud was discovered or, through the exercise of due diligence, should have been discovered. Did McPike discover the fraud in July 2014 when he spotted that article in the Moscow Times? (If so, the lawsuit should have been filed by July 2016). Or, in light of the assurances he received from Zero-Gravity management, was the fraud not discovered until July 2016, when he received the letter from Roscosmos? (In which case, the lawsuit would have been timely filed in May 2017). Should McPike have done more than he did to investigate the situation? Would a person acting with "due diligence" have contacted Roscosmos sooner than McPike did?
These were questions best left for the jury, the court held, as the complaint alleged facts that were in dispute and which could cause reasonable jurors to disagree. The motion to dismiss was therefore denied.


Visiting my profile, I'd like to say you hit the right spot.
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text:
Bryant, William Cullen 7
Carlyle, Thomas 7
Patterson, John Malcolm 4
Sixteenth Street Baptist Church (Birmingham, Ala.) 4
Afro-Americans - Social conditions 8
Disarmament 5
''Address to a Joint Convention of the Two Houses of the General Court of Massachusetts on 4/22/1965''
Commonwealth of Massachusetts House of Representatives, Special Reports, pp. 7-14.
Quinn, Robert H.
The Ugly American
Declaration of Independance
''The Future of Integration, Address at the Fourth Biennial Wage and Contract, Third National Anti-Discrimination and Third National Women's Activities Conference of the United Packinghouse Workers''
Helstein, Ralph [United Packinghouse Workers of America.]
Lasley, Russell R.
Draft, ''The Christian Way of Life in Human Relations''
[12/4/1957]
Whithead, Alfred North
Progress in the Area of Race Relations, Address at Central Hall Westminster
London, England.
Collins, L. John
Hall, Stuart
Christian Action
Blacks - Diaspora
The Negroes Complaint
LJCC-UK-LoLPL
Lewis John Collins Collection, Lambeth Palace Library, London SE1 7JU, United Kingdom
MS3297, folios 132-144
''The Church on the Frontier of Racial Tension'', Gay Lecture delivered at Southern Baptist Theological Seminary on 19 April 1961
Ghana, Africa
The Crisis of Our Age
ASCL-OAU, Archives and Special Collections, Ohio University Library, Ohio University, Athens, Ohio
APHSP, American Baptist Historical Society Records
''The Future of Integration'' Address delivered at Los Angeles Valley College
Van Nuys, Calif.
Hutchkins, Robert
Adler, William
McNelis, William
Watts, Isaac
Los Angeles Valley Junior College
CVnL
Los Angeles Valley College, Van Nuys, Calif.


HalloweenNames.net has been created for the halloween enthusiasts out there who struggle to locate a centralised list of halloween names, and that is ranked in order of popularity.
Submit new halloween names and help build the list of halloween to expand. If we are missing any halloweens then please submit them.
Provide feedback on the site. Whether good, or bad, we would like to hear why.
Suggest new ideas for the site. Any suggestions are welcome so please send them in.
Please tell us if you have any problems with the site via the contact form.


The response to Salon's first weekly limerick contest was a tsunami of iambic pentameter and predictable rhymes for "Mitt." After wading through your verse, a few favorites emerged.
She'd be strapped to the roof of the jet!
The Romney's were off with a start.
If he makes it that's great.
If not, Mitt will sell off the parts.
About hair that is never disheveled.
Was dubbed by the Pres, "Romney Hood."
Sharpen debate skills he should.
--Joel S. Rutstein, Burke, Va.
Mitt's not vulgar, profane or salacious.
He would never offend! Good gracious!
In a manner sublimely mendacious.
Cackling "where did'ja stash the 1099's, beoch?
There's a lot you must get him to do.
He pump weights or there's no pumping you!
--Peggy Landsman, Pompano Beach, Fla.
No words rhyme with Romney's last name.
With Obama's most options are lame.
And an off rhyme with thanks to Usain.
--Chad Parenteau, Jamaica Plain, Mass.
Knows less about people than money.
Good to keep in mind, to be sure, but the Salon contest will be more relaxed. For the next edition send your limericks about Paul Ryan, which should be easier to rhyme than Mitt Romney or Barack Obama, to limericks@salon.com. Deadline is Friday at 5 pm. Please include your name and hometown.


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improvement in click-through rates when emails are Personalised.
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average, marketing-driven "touches" required for a lead to convert into a paying customer.


text:
Q: QuickAction anchor after keyboard hidden I have a Button at the bottom of my Activity.
Upon pressing the Button, an AlertDialog with an EditText pops up.
After clicking OK, the AlertDialog dismisses, and I want to show a QuickAction anchored to the Button.
However, when soft-keyboard appears, all of my Views are moved upward, and the QuickAction would anchored the Button at the center of the Activity. Then after a while when soft-keyboard dismiosses, all Views are moved to the original location, but the QuickAction is still floating at the center, not anchored the Button.

Is there any solution to this soft-keyboard issue?
(PS: I don't want the soft-keyboard to overlay my Activity so that user cannot see the EditText. I want the EditText to be visible.)

A: you should update QuickAction's location after soft-keyboard disappears.
try take a look at its source code about determining the location of QuickAction (in the public synchronized void show (View anchor) {...}).

this thread helps to detect keyboard closing.


text:
Russian forces move outside Crimea, Ukraine official says
March 15, 2014 (KIEV, Ukraine)
The action in Strelkova appeared to be the first move outside Crimea, where Russian forces have been in effective control since late last month. Border guard spokesman Oleg Slobodyan told The Associated Press that a contingent of about 120 troops occupied the station in Strelkova, about 10 kilometers outside Crimea.
The Defense Ministry earlier reported that a Russian attempt to take the station had been repelled, but Slobodyan said that information was outdated.
As Crimea prepares for Sunday's referendum, dozens of billboards throughout the regional capital proclaim "Together With Russia." But a few have been hit by spray-painters who scrawled out "Russia" and replaced it with "Ukraine."
The question of whether Crimea, a strategically important Black Sea peninsula that is home to a key Russian naval base, should become part of Moscow's orbit raises strong passions on both sides.
Supporters say the region rightfully belongs to Russia and that the government that replaced fugitive President Viktor Yanukovych is a coterie of fascist-minded nationalists who will abuse Crimea's majority ethnic-Russian population. Opponents bristle at Russia's heavy hand; Crimea effectively is already under Russian control after forces were sent in last month.
The referendum is denounced by Kiev and the West as illegitimate; the West is threatening costly sanctions against Russia if it moves to incorporate Crimea. But the result is seen as a foregone conclusion - Crimea is almost certain to vote to split off, further aggravating Ukraine's political crisis and one of the harshest East-West confrontations since the end of the Cold war.
Tensions are also high elsewhere in Ukraine. On Friday night, two people were killed and several wounded in a shootout that erupted after a clash in the city of Kharkiv between pro-Russian demonstrators and their opponents.
In downtown Simferopol, at least 1,000 people on Saturday jammed a square in front of a soundstage and two massive TV screens as a long succession of Russian musical acts lauding "friendship of nations" and Russia itself. Musical acts from distant regions of Russia sang folk songs and danced traditional dance. One ensemble dressed as fairy-tale characters sang "Don't Fall Out Of Love with Russia!" No Ukrainian flags or colors were visible.
Posters pasted to walls throughout the city center made comparisons between Russia and Ukraine for gasoline prices, doctors' salaries and student benefits. The comparisons all suggested Russia was a more prosperous country.
But referendum opponents at a smaller rally said the economic argument is foolish.
"It's better to be poor and live in a normal country than to live in a police state," said Ine Sultanova, a 66-year-old retired engineer.
"I'm a citizen of Ukraine. I don't want to be a citizen of another country, or of Russia. It's well known what it's like to live in Russia. There's absolutely no civil society whatsoever. You can't say what you want. People can't gather for demonstration unless it's good for the government," said Andrei Voloshin, a 20-year-old law student.
Details of the Friday night shooting in the city of Kharkiv were murky, but local news reports said it broke out after a skirmish between pro-Russia demonstrators and their opponents.
Violence has escalated in Ukraine's Russia-leaning east in recent days, as pro-Russia demonstrators have seized government buildings and clashed with supporters of the new Kiev government. At least one person died and 17 were wounded in clashes in the city of Donetsk on Thursday.
Kharkiv, near the Russian border, is a hotbed of pro-Russia sentiment and opposition to the acting Ukrainian government that took power last month after Russia-friendly President Viktor Yanukovych fled the country in the wake of months of protests.
After the skirmish, according to the reports, there was gunfire outside a building housing the offices of several nationalist groups including Right Sector, which was one of the drivers of the protests against Yanukovych and that vehemently opposes Russian influence in Ukraine.
Russia has denounced Right Sector and similar groups as "fascists" who allegedly want to oppress ethnic Russians in Ukraine.
A spokesman for Right Sector in eastern Ukraine, Igor Moseichuk, was quoted by the Interfax news agency as saying the shooting was a "planned provocation by pro-Russian forces."
Interior Minister Arsen Avakov said on his Facebook page that two people were killed and several wounded, including a policeman who was seriously injured. He said some 30 people "from both sides" had been detained.
The victims' identities were not immediately made public. Moseichuk was quoted as saying the two killed were not among those inside the Right Sector offices.
The violence in Kharkiv and Donetsk has raised concern that Russia, which has massed troops near eastern Ukraine's border, could use bloodshed as a justification for sending in forces to protect the ethnic Russian population.
Ukraine's acting president Oleksandr Turchynov warned Saturday that "there's a real danger of the threat of invasion of the territory of Ukraine."
Russian Foreign Minister Sergey Lavrov on Friday, after meeting with US Secretary of State John Kerry, said Russia has no plans to send troops into eastern Ukraine.


Your car works exactly like a human body. As the body demands care and attention, the intake of healthy food and clean water along with the regular exercise become essential to its healthy functioning. Similarly, a series of maintenance process keeps the vehicle away from all the damages on a regular basis.
How basic maintenance helps the car?
The news channels deliver the news related to road accidents daily. Surprisingly, these car accidents are easy to prevent if you maintain the car properly and get it repaired to improve its health. For instance, defective brake system, damaged tires, etc., prevent the smooth driving of the car.
When you do not look after the vehicle, you are indirectly damaging the mechanical parts of the car. Keep in mind that these parts are costly and replacing them will have hefty charges. Therefore, it is better to save your money by taking out some time from your busy schedule for the routine maintenance of your automobile.
Many times, the garage mechanics warn you to take precaution to check the damage of the car. They know how costly the damage can be for you. Not only this, but it will also depreciate the performance of the car. So, these mechanics aware you about the maintenance checks that can keep your car in its best working condition. They are the best people that promise the healthy state of the car.
To make sure that your car is running smoothly and do not have any damage, the Department For Transport, UK came up with a test called MOT(Ministry of Transport). Here the cars that are three years old or above must pass this test. Failing it can prevent you from driving the car on the roads of the UK.
Therefore, it is essential to pass the test. To do it smoothly, have a look at some of the basic car maintenance techniques.
Owner's manual contains all the advice and information that you need to keep your car in a healthy condition. It contains the details that you need regarding the fluids or what you must do when the engine overheats. Get the answers to all the questions with this manual.
Do you want to increase the lifespan of the engine? The simplest way to do this is to change the oil whenever required. For that, you need to check the engine oil regularly. If the oil looks dirty, make sure to pull the oil drain plug and get rid of the dirty oil. Now, fill it up with the new oil.
Tire pressure and tire depth are the most powerful features of the tire. Therefore, it is essential to inspect them regularly.
Tire pressure affects more than a single factor of the car. Along with the fuel economy, it also affects the driving and seating comfort. The modern vehicles have the inbuilt monitoring system to examine the tire pressure. The others who do not have this system installed in their car can take the help of the latest devices that can be of great help in checking the tire pressure.
For safer driving experience, it is essential to check the tread depth of the tires. It is different for the summer and winter tires, which deals with the safe driving issues in a better way.
One of the main reasons behind car accidents and also the failure of the MOT test is damaged brake pads. For the increased security, it is important to check the condition of the brake pads once every week. If the brakes have worn out, make sure that you replace them with the new ones.
Also, take them to a reliable repair centre like Express Of Walton Limited and take advantage of the excellent and incomparable car repair services at affordable prices.
There are many other things that you can do to pass the MOT test. For instance, inspect the light indicators, the belts and seats, coolant levels and many more. Make sure to have a proper inspection of your car before you take the MOT test.
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The Lives of Western
Life on the east coast of America was very different than life on the west coast. Although it was the eastern settlers that moved west, the new conditions caused the their lives to change immensely. The east coast was more densely populated than the west. The personalities of each set of settlers was very different. The geographical variation changed the living conditions of the Americans. The wealth of the Americans also changed the living conditions. The east coast has been populated since the early 1700's by first British colonists, then Americans, and finally the Irish. The society established homes, schools, roads, and towns up and down the coast line. Cities were developed as more and more people came to America, and these cities soon became very populated. Because they had been living on the east coast for generations and generations, the eastern Americans were very established people. They were well educated, they were very religious, and they were also very conservative. The roles of men and women were beginning to be established at the work place and in the home. As industrialization emerged on the east coast, more people lived in the urban areas and were able to make more money. Because the climate conditions on the east coast were relatively mild (except for Florida and Maine), the eastern Americans were able to handle most weather conditions. The east coast is right on the Atlantic Ocean facing Britain, so they were able to communicate with their homeland the easiest. The east coast Americans were also very secluded due to the Appalachian Mountains bordering them on the west. However, some Americans felt that life on the east coast wasn't the best way to live their lives. News about the gold discovery on the west attracted many Americans. Eventually, people started to regularly migrate to the west and settle there. The people that did decide to do this were very adventurous and rugged. These risk-takers could make it…


Donna Mertens and Transformative Mixed Methods . - Ning. During four days from 20-23 September 2016, Donna Mertens, the well-known professor and author of several books on mixed methods in research and on diverse par.
mining formulae for mixed method. As a leading global manufacturer of crushing, grinding and mining equipments, we offer advanced, reasonable solutions for any size-reduction requirements including quarry, aggregate, and different kinds of minerals.
A Basic Mixing Method - music.columbia.edu. A Basic Mixing Method ... well-mixed CD and try to replicate that in the studio by A/B-ing your mix and the CD, you should come close to your ultimate mix.
This conference paper was originally published as Hill, D, Coal Pillar Design Criteria for Surface Protection, in Aziz, N (ed), Coal 2005: Coal Operators' Conference, University of Wollongong & the Australasian Institute of Mining and Metallurgy, 2005, 31-38.
Sulphide Ores, Sulphide Ores Suppliers and Manufacturers at . Tags: Sulfide . Chemical Formula Sodium Sulphide . Sulphide Ores . Factory Price Gold Mining Sodium Sulfide/Sulphide Red& Yellow Flakes 60% Na2S for Leather use, Mining ..
The following formula can be used to classify the equivalent grade for a mining unit: Where G e is equivalent grade of a specified metal (in either g/t or %, depending on the metal), f n is the ratio of the grade of metal n to the grade of the specified metal, and g n is the grade of grad of metal n.
Mineral Formulae Recalculation Exercise--This problem set uses the above spreadsheets to recalculate mineral formulae, assign cation site occupancy, determine relative proportions of end members, introduces important varieties of the rock forming minerals, and requires students to look critically at the data and assumptions that are built into numerous recalculation models.
High-Low Method Calculator . Splitting Mixed costs into fixed and variable costs Formula: Given below is the three separate formulae for calculating the variable cost per unit, total fixed cost and cost volume based on the High-Low Method.
mining formulae for mixed method. mining formulae for mixed method. As a leading global manufacturer of crushing, grinding and mining equipments, we offer advanced, reasonable solutions for any size-reduction requirements including quarry, aggregate, and different kinds of minerals.
Mining Formulae For Mixed Method. Calculation and Management for Mining Loss and . R—Total quantity of waste ore mixed into the mining . Calculation formula of indirect method: P. Indirect= (1 – T/Q) . the mining methods and stoping .
Valuation Methods of Mineral Resources 3 of 13 resources, highlighting the advantages, disadvantages and issues and limitations of each method.


How a Baton Rouge company could save drivers' lives through Cellcontrol technology – The federal government, insurance carriers and telecommunications companies are pouring money into education. also distracts drivers, he said. Even dashboards, which can track gas mileage, the temp.
Booking and paying for car hire online isn't the end of the journey. When you're at the rental desk you'll be offered a numbe.
Car insurance for teen drivers can. Home Insurance Auto Insurance Teens and Young Drivers How To Save Money On Teen Car Insurance. Want to save money on car.
The B.C. government has launched a major overhaul to how much British Columbians pay for basic car insurance. Resolution Tribunal should save ICBC around $1.3 billion. The legislation moves ICBC cl.
But while that's all good and well for people in the market for a new car, the vast majority of American drivers aren't heading to dealerships. have a little port under the steering wheel that any.
This one tactic alone will probably save you more on your car insurance. Everyone knows insurance agents love money and. under 25, you're a stupid driver and.
The cost of car insurance for young drivers. which it says helps drivers with a score over 7.1 out of 10 save. How can you compare Young Drivers Car Insurance?
In high school, car insurance is cheaper if you get good grades. When you turn 25, your premium changes again. you might be able to save some cash by staying insured under their policy. Here's what.
Car insurance is inherently. Extra liability insurance can also be a smart move, particularly for high-net-worth individuals who want to protect their assets. While states require drivers to obtain.
This is a 25 percent increase annually over the past five years in unclaimed money by policyholders. According PTI, the Insurance Regulatory and Development Authority of India (Irdai) data, out of the.
If you live in Glendale, your car insurance premiums are the highest in the state. Single drivers in Glendale paid $1,823 in 2013. Below is a chart of the top 20 cities ranked by the amount of mone.
The most common deductions that can be claimed under section 80C are for: a) Premium paid for life insurance policy b. then the maximum amount available is Rs 1.25 lakh. To claim this deduction, yo.
Around 80 per cent of drivers are currently eligible for the maximum discounts under. vehicle's insurance, with 75 per cent of the premium calculated with the principal driver, and 25 per cent with.
New car tax bands bite from April for most. – This is Money – Motorists who bought a brand new car from last April are about to have to tackle confusing car tax rates that will pull many popular and greener motors into paying more.
Ride-hailing service provider Grab has signed a Memorandum of Understanding with the Employees Provident Fund to encourage its drivers to participate in the. Shahril also mentioned that for members.
Want to save money on car insurance in ?. you or another driver in your household is under 25 years old or. is higher car insurance rates. Teen Drivers and New.
Michigan's car insurance. difference in insurance costs. Part of this proposal is to actually save our consumers money. That needs to happen." A companion bill would start a pilot program to allow.
Car owners also have the choice of telling guests where to pick up the vehicle or delivering it themselves. Renters must be 21 or older and submit a valid driver's licence. Those under 25 also. app.


text:
Q: Python hangs over ssh I'm trying to a run a python script directly over ssh like this:
ssh hostname python_script

Unfortunately nothing happens after python starts, and in fact the python process that is created remotely stays "alive" even after I disconnect from SSH. The same thing happens if I try to start the python interpreter, but other commands work fine.

A: Try ssh -t hostname python_script. By default, ssh doesn't allocate a pseudo-tty to interact with when it's given a program to run (although it does if you just do ssh hostname); -t tells it to do so.

A: ssh -t is a good suggestion.
You might also try sprinkling print statements/functions in your code, writing to some file in /var/tmp or whatever, to see what it's doing.
Another way of seeing what a process is doing is to use something like Linux' strace:
http://stromberg.dnsalias.org/~strombrg/debugging-with-syscall-tracers.html
EG: ssh remote.host.com 'strace -f -o /var/tmp/my_script.strace my_script'.  Then inspect /var/tmp/my_script.strace to see what it's stuck on.  Reading strace output isn't always simple, but at least it's interesting.  :)

A: SSH isn't going to cause problems running a python script. In general the things to watch out for are environment variables changing and any expectation on standard input/output as these can cause symptoms similar to what you described. Running python directly will hang as python expects to be able to interact with stdin/stdout if not running a script.
An easy way to test that the basic environment is working is to create a test program (test.py) containing:
print "foo"

then
ssh hostname python test.py

you should get "foo" as a response.


The ever-popular Kids' Market is back! Kid Vendors are invited to create, market, and sell their goods, set up their own booths, and keep or donate their earnings. Kids can work by themselves or with friends to create crafts, individually wrapped food items, toys, gifts…you name it!
Sign up before November 30! Click here to download a form, complete it, and return it to your teacher. Visit the Kids Market page for more details. If you have any questions please contact Lisa Goldstein at 6goldsteins@comcast.net.


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Q: An error occurred while installing actionpack (5.0.2), and Bundler cannot continue I get a error when I execute rails new myprojectname:

Gem::RemoteFetcher::FetchError: Errno::ETIMEDOUT: Operation timed out -
  SSL_connect (https://rubygems.org/gems/actionpack-5.0.2.gem)
  An error occurred while installing actionpack (5.0.2), and Bundler
  cannot continue.
  Make sure that gem install actionpack -v '5.0.2' succeeds before bundling.

A: The error information points out:

Make sure that gem install actionpack -v '5.0.2' succeeds before bundling.

So, in your terminal you should execute the:
$ gem install actionpack -v '5.0.2'

Then you rails new your project name again. and overwrite the conflict place.


Hawaii's Blue Cross/Blue Shield company, HMSA, has a new Chiropractic Services Policy and has hired a third party managed care company, eviCore, to review chiropractic claims. HMSA is hosting this FREE seminar for doctors of chiropractic and their staff to explain the new policy. Additionally, a representative from the Hawaii Medicare carrier, Noridian, will do a few hours on Medicare and Federal compliance.
Kaimuki Plaza, 3465 Waialaw Ave.
eviCore will reveal how they adjudicate treatment requests.
Learn proper way to submit Treatment Plan Requests.
How to Request an Appeal for Denials, etc.
This "in-person" seminar is for ALL Hawaii licensed DCs & Staff. You are not requirement to be an HMSA "par" provider.
No charge for Doctors and Staff. HMSA is providing meeting space, lunch, & parking.


text:
This Marvelous Machine Splits Moon Dust into Oxygen and Metal
11 months ago Singularity Hub
Called molten salt heat electrolysis, the process involves heating up a basket of simulated moon dust—which is a close approximation to the real thing—and calcium chloride salt to 950 degrees...
Illustration of concept
Like the settlers of old, space explorers will live off the land. But if self-sufficiency on Earth is difficult, it's orders of magnitude more challenging in space, where there are no trees to build shelter, no plants and animals to eat, no water to drink, and no breathable air.
Like The Martian's Mark Watney, future space explorers will have to use a heavy dose of science-y resourcefulness to survive hostile environments on the moon and Mars. Luckily, also like Mark Watney, they'll have access to some of the brightest brains on the planet.
Some of those brains, currently working at the European Space Agency, are making a machine that transmutes moon dust into oxygen—to breathe and make rocket fuel with—and metal for building.
Moon Dust Is Nearly Half Oxygen
Truly, the surface of the moon is a barren wasteland. It's like being exposed to the vacuum of deep space with the modest benefit of a little ground under your feet and dust on your boots.
It's this dust, fine, grey, and bone dry, that may prove to be an invaluable resource for lunar homesteaders. Known as lunar regolith, moon dust is 40-45 percent oxygen by weight. Bound up in mineral and glass oxides, oxygen is the most abundant element on the moon's surface.
Oxygen is also, obviously, necessary for breathable air, and it's a key ingredient in rocket fuel—but you can't breathe or fuel ships with moon dust. Which is where ESA comes in.
Performing Lunar Alchemy
The ESA team, led by University of Glasgow PhD candidate and ESA researcher Beth Lomax and ESA research fellow Alexandre Meurisse, is adapting an industrial method developed by UK company, Metalysis.
Called molten salt heat electrolysis, the process involves heating up a basket of simulated moon dust—which is a close approximation to the real thing—and calcium chloride salt to 950 degrees Celsius. The researchers then split off the oxygen with an electric current, leaving behind a pile of metal alloys.
The process can separate 95 percent of the oxygen in 50 hours, but in a pinch, 75 percent can be extracted in just the first 15 hours.
The team unveiled a proof-of-concept last October, which they said was a significant improvement on other similar processes that produce less oxygen or require far higher temperatures. And there's room for improvement. To that end, the team announced last week they're setting up a new oxygen plant in the Netherlands to further refine things.
A key goal is to reduce the temperature. The higher the temperature, the more energy you need. And energy will be in finite supply on the moon. The team doesn't have a target temperature in mind, Meurisse told Singularity Hub in an email, but they believe they can do better. How much better depends on how lower temperatures affect other aspects of the process (like efficiency).
Of Ice and Moon Dust
In addition to oxygen bound up in lunar dust, we know the moon has water. Though the details are still somewhat shrouded in mystery, scientists believe the moon's water takes the form of ice in permanently shadowed areas at the poles.
We'll need water to drink, of course, but we can also separate it into its elemental components, hydrogen and oxygen, by electrolysis. Provided we can get to the moon's ice, how does the ESA process's energy requirements stack up to the electrolysis of water?
Meurisse said the two resources will likely have different trade-offs to consider (though we may well need need both to support a sustainable presence on the moon).
Because ESA's process involves high temperatures, it's very energy intensive compared to water electrolysis which can be done at room temperature. But moon dust covers the entire surface as far as the eye can see. Grab a shovel and bag some up. The moon's ice, on the other hand, will be rarer and much more difficult to mine, and we aren't sure of its composition or what kind of processing it'll require to make it usable.
There's also something else to consider—that pile of metal left over once the oxygen has been pulled off and siphoned away. This metal may prove to be a reliable building material, something the ESA team will also look into exploiting in the coming years.
"Could [the metals] be 3D printed directly, for example, or would they require refining?" Meurisse asked. "The precise combination of metals will depend on where on the Moon the regolith is acquired from—there would be significant regional differences."
Next, the team will build a pilot plant that could operate on the moon (but won't be sent there yet) by the mid-2020s.
In the longer term, if the technology proves scalable and space-worthy, it could help make the moon into a gas station for spacecraft in Earth orbit and beyond. Manufacturing fuel on the lunar surface may prove more cost-efficient than dragging it up from Earth. Ultimately, explorers may use moon dust to breathe, build, and fuel missions across the solar system.
Image Credit: NASA
By Jason Dorrier
This article originally appeared on Singularity Hub, a publication of Singularity University.
Tags: machines resources space tech
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Between the two knitting groups, I attend across a month. I tend to find that I have a number of projects on my hook. Over the last few months, with some help from my Mum, we've been working on getting some baby blankets crocheted and ready for the new arrivals.
This seemed like a good place to start with blogging more about my completed crochet projects.
Final Measurements: There are around a metre square but this varies between the blankets.
Baby E arrived at the beginning of September which was really exciting. I felt like I hadn't seen her mummy very often recently so wanted to create her something lovely that her Mummy and Baby E could use lots. When starting new project now, I try to record which brand of wool I've bought. But this time I can't remember! I either got it from Hobbycraft or Tudor Rose Patchwork as they are my usual go-to shops for wool (when I have a lift or our car!) so I'll have to make sure I have a look for it next time I'm in those two and see if I can identify it.
Next up we have the one made for Baby R. This was a bit of a mix and match from wool I had in my stash but again it's all DK. I started with pinks and purples then decided to add the blue. The green sort of fell in by accident then ut works really well.
And last, this time, we have this one for Baby Boy. He's still cooking so all I know is he's a lovely little boy who's going to be blessed by a couple of older siblings. This was a mix from my stash but in this case was all around blues and a bit of green. One of the variegated yarns had a lot of white in it, so some of the squares on this one look a little funny but yet it still works.
What do you currently have on your needles or your hook?
This entry was posted in Being Creative, Knitting, Crochet and Arty Bits.