Do You Need to Verify that Your Friend has Auto Insurance Before ...

The short answer is no. ?Generally, it is the vehicle that has the insurance coverage, not the driver.? That is one of the reasons why you have to have proof of auto insurance before you can obtain a license plate for a car but you don?t need proof of insurance to obtain a driver?s license.

However, it?s not always that simple.? When you purchase an auto insurance policy, the insurance company also takes into account who will be driving your car when they give you a rate, and that also affects coverage should a car accident occur.? If, for example, you take out a policy on your new Jeep Cherokee, and you allow your?teenage?daughter to drive your car even though she is not listed as an insured driver, some insurers will not allow coverage if she has an accident.

Why?? Your insurer asks you when you apply for a policy who will be driving your car.? You list all the drivers and tell the company how much they will be driving.? Many will hold you to that.? They will argue that you should have added your daughter as an insured driver when she started borrowing your car.

Of course your rate would have gone up if you did that because?teenage?drivers are considered risky drivers.? On the other hand, under West Virginia law, if you have auto insurance on your vehicle, it doesn?t matter who is driving your car at the time of a car accident.? Your insurance policy will at least provide the minimum coverage required by West Virginia law, which is $20,000 for bodily injury.

In summary, there is a category of drivers called ?permissive drivers?.? These are friends, neighbors, and relatives who do not reside in your household, but whom you have given permission to drive your car infrequently.? If they have an accident while driving your automobile, even if they have no coverage of their own, they are covered under your auto policy with the same policy limits that you are.? If anybody else is driving your car, such as somebody who does not have permission to drive your car or somebody who is excluded under your auto insurance policy, then they are likely only covered up to $20,000 for bodily injury.

The above article is based on my years of experience as a West Virginia personal injury lawyer.? If you have been involved in an automobile accident and have questions about your insurance policy, I would be happy to discuss it with you free of charge. ?If you are shopping for car insurance, I suggest asking your insurance agent detailed questions about these issues.

Source: http://www.wvpersonalinjurylawyer.com/verify-friend-auto-insurance-letting-drive-car/

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Scientists found hammerhead sharks have twin cousin

The newly found scalloped hammerhead shark faces similar existential threats as its look-alike fishy cousin.

Researchers recently discovered a new species of scalloped hammerhead shark, yet unnamed, that closely resembles its endangered look-alike.?

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The recent findings suggest that previous estimates of the number of hammerhead sharks was likely inflated since they had included the newfound species.? The reason for the late identification is explained by the roughly 20 fewer vertebrae the new species has and differences in their DNA.?

"It's a classic case of long-standing species misidentification that not only casts further uncertainty on the status of the real scalloped hammerhead, but also raises concerns about the population status of this new species," said Mahmood Shivji, professor at Nova Southeastern University, LiveScience reports.

The new species was originally detected in 2005 off the eastern coast of the United States, when Shivji?s research team was examining the DNA of sharks initially perceived to be hammerheads due to their physical characteristics.?

Genetic assessment shows that approximately 7 percent of the sharks detected in US waters originally thought to be scalloped hammerheads belong to the newly discovered species, as scientists from Nova Southern University and the University of South Carolina had confirmed.

Chronic overfishing and finning had resulted into the dramatic reduction of shark populations around the globe and growing concerns about the impact their eventual extinction might have to the ocean ecosystem.

"It's very important to officially recognize, name and learn more about this new hammerhead species and the condition of its populations through systematic surveys," Shivji said, according to the United Press International. "Without management intervention to curtail its inadvertent killing, we run the risk that overfishing could eradicate an entire shark species before its existence is even properly acknowledged."

Although finning is banned in the US, it is estimated that 73 million sharks are killed annually to support a booming international trade.? Shark finning is the process in which fishermen cut of their fins and sell them to mainly Asian markets where it constitutes the main ingredient in a traditional soup delicacy. It is a lucrative trade since these species are sold for about $120 for every 2.2 lbs.

Hammerheads are usually found in tropical and temperate waters along coastlines and continental shelves stretching from the Caribbean to Australia.

Their length ranges from roughly 13 to 20 feet long and weigh from 500 to 1000 pounds, according to National Geographic.?

Although the hammerhead is considered as harmless to humans, it is a keen hunter that uses its heavily serrated teeth to capture its prey, consisted of stingrays, squid, octopus, and other sharks.

Hammerhead sharks first appeared 20 million years ago and belong to the family of Sphyrnidae, named as such due to their strangely-shaped flattened heads with protruded eyeballs at each end, a trait that has made the species into one of the most recognizable fish in the world.?

Source: http://rss.csmonitor.com/~r/feeds/science/~3/hcbKBV9dcJY/Scientists-found-hammerhead-sharks-have-twin-cousin

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Yahoo names three new independent directors to board

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Source: http://news.yahoo.com/yahoo-names-three-independent-directors-board-114357222.html

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Drug Turns Immune System Against All Tumor Types

sciencehabit writes, quoting an article in Science: "A single drug can shrink or cure human breast, ovary, colon, bladder, brain, liver, and prostate tumors that have been transplanted into mice, researchers have found. The treatment, an antibody that blocks a 'do not eat' signal normally displayed on tumor cells, coaxes the immune system to destroy the cancer cells." The abstract and full paper are freely available. It seems fairly promising: "In mice given human bladder cancer tumors, for example, 10 of 10 untreated mice had cancer that spread to their lymph nodes. Only one of 10 mice treated with anti-CD47 had a lymph node with signs of cancer. Moreover, the implanted tumor often got smaller after treatment ? colon cancers transplanted into the mice shrank to less than one-third of their original size, on average. And in five mice with breast cancer tumors, anti-CD47 eliminated all signs of the cancer cells, and the animals remained cancer-free 4 months after the treatment stopped."

Source: http://rss.slashdot.org/~r/Slashdot/slashdotScience/~3/z1XSwpDhheM/drug-turns-immune-system-against-all-tumor-types

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Tax Benefits of a Network Marketing Business by ezineArticlesNow ...

One of the stuff that a lot of people are likely to forget about whenever choosing to commence a home business, through network marketing, are usually the tax advantages associated. Like even the biggest companies, an individual can take advantage of the tax codes attached to businesses to save on the quantity you?re at the moment sending to the government.

Including Your current Business

While this may not be a necessity right away about starting up your current business, adding and also operating the business through that company may supply plenty in tax personal savings each and every year, thanks to the tax breaks which can end up being believed simply by businesses that are not obtainable to men and women. It?s advisable to get advice from a tax accountants whom can enable you to figure out while integrating can make the nearly all feeling, along with dismiss this kind of tool for tax savings a long time.

Widespread Expenditures that Turn into Tax Breaks

You?ll find typical expenses that all of a sudden grow to be tax reductions whenever you become the proprietor of a network marketing business. As most of these companies now need a cell phone along with internet entry, these types of charges can certainly be taken at tax time. Likewise, the cost of a new computer, printer or fax machine all grow to be legit business bills. For those who have the capacity to allocate a portion of your house or house to an workplace (it would not become a multi-purpose room, e.g. bedroom/office), which percent of your rent/mortgage as well as ammenities can also be stated as reductions.

Products Given since Trials

While you can?t subtract from taxes items from the monthly autoship expenditure that you take in on your own, a person can take the cost of any that you simply give out because samples to potential customers. Let us say you are in a health and also health and fitness company and also you provide a test of vitamin supplements to a prospective buyer highly valued at $20, you are eligible to claim that quantity on the taxes, consequently be certain to keep a journal of what product, the date you gave the idea away and the identify of the prospect. This information is very important in the event of an audit. Also, during your fresh in business, the cost of the start-up package deal an individual chosen to get your network marketing endeavor away the ground is actually %100 tax deductable, offered it?s mandatory for how to get started.

Various other Breaks

Many network marketing companies carry annual conventions. Your own bills to attend these types of events, and others that may be held regionally, tend to be entirely deductable because a business expenditure. Travel, hotel along with food are typical items that you just can monitor as well as state.

Conclusion

If you possess questions relevant to precisely what is and isn?t suitable as a deduction versus the tax expenses, seek advice from an expert. Yet make sure you keep in mind which proudly owning a home business is actually one of the best ways accessible to the daily particular person to reduce the volume of money they will are obligated to repay to the state and federal governing bodies at the finish of the calendar year. Several items that you?re at present paying out for out there of pants pocket however can?t withhold, quickly become breaks once you?ve began your network marketing career.

For more information, pay a visit to tax network usa and also tax network usa


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Celebrity hacker pleads guilty in L.A. court

Reed Saxon / AP

Christopher Chaney, seen here in 2011, has pleaded guilty for hacking into celebrity personal accounts.

?

By Reuters

A 35-year-old Florida man pleaded guilty on Monday to hacking into the email accounts of movie stars Scarlett Johansson, Mila Kunis and Christina Aguilera, and sending nude photos and other information to celebrity websites.

Christopher Chaney of Jacksonville, Florida pleaded guilty in Los Angeles federal court to unauthorized computer access, wiretapping and other felony charges contained in a criminal indictment.

He was ordered held in custody and faces up to 60 years in prison, plus fines and restitution of about $2.5 million when sentenced in July.

Chaney, who admitted hacking the emails of more than 50 celebrities, was arrested in October 2011 after an 11-month investigation named "Operation Hackerazzi" by the FBI.

Other victims included former Disney Channel star Vanessa Hudgens and Renee Olstead, one of the stars of ABC Family's "The Secret Life of the American Teenager." Other victims were identified only by their initials, including J.A., B.P., and L.B.

Chaney, a clerical worker, told a Florida TV station shortly after his arrest that he had become addicted to prying into the affairs of movie stars and did not know how to stop.

His snooping resulted in nude photos of "Iron Man 2" star Johansson and a bubblebath picture of "Black Swan" actress Kunis reaching gossip websites.

Johansson said later that the photos of herself topless and wrapped in a towel with an exposed backside were taken for her then-husband, actor Ryan Reynolds.

Chaney admitted that he had emailed many of the photographs and other personal information that he stole from celebrities to another hacker and to two entertainment websites.

"Today's guilty pleas shine a bright light on the dark underworld of computer hacking," said United States Attorney Andr? Birotte Jr, whose office prosecuted the case.

"This case demonstrates that everyone, even public figures, should take precautions to shield their personal information from the hackers that inhabit that dark underworld," Birotte said in a statement.

Chaney admitted on Monday that he managed to hack into the personal emails of his targets by clicking on the 'forgot password' feature of their accounts and replying correctly to security questions by using publicly available information about celebrities that he found on the Internet.

Once in control of the email accounts, he obtained private photos, business contracts, scripts, and other documents. He went through contacts lists to find other victims and sometimes posed as friends to request more private photos.

Chaney initially had pleaded not guilty and had been free on bail. But on Monday he was ordered to be held behind bars until he is sentenced on July 23.

-- Reporting by Jill Serjeant

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Source: http://todayentertainment.today.msnbc.msn.com/_news/2012/03/27/10883609-scarlett-johansson-mila-kunis-celebrity-hacker-pleads-guilty

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Switched On: Tablets are toys. No, really.

Each week Ross Rubin contributes Switched On, a column about consumer technology.
Image
Ever since the tablet market exploded, we've seen a wide range of designs find both success and failure. But most of the tablets on the market have something in common: they are primarily designed for adults or at least children old enough to be responsible for a fragile device. Particularly for the popular iPad, we have seen a number of specialized cases design to protect the tablet for use with young ones. But a small cadre of tablets aimed specifically at kids -- including preschoolers -- begs several questions. Are tablets good tools for kids? Is there value in optimizing them for kids? And if so, how should they be optimized?

Continue reading Switched On: Tablets are toys. No, really.

Switched On: Tablets are toys. No, really. originally appeared on Engadget on Sun, 25 Mar 2012 17:30:00 EDT. Please see our terms for use of feeds.

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Source: http://www.engadget.com/2012/03/25/tablets-are-toys-no-really/

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Using Video Marketing To Increase Online Sales

Even, pupils associated with accounting along with finance can grow their information on the subject matter by simply learning how to value a smaller retail company. Shown in the next few paragraphs would be the steps involved in how to worth a small business.ou bien are aware that difficult funds personal loans and also a low credit score loans are employing considerably larger interest levels. That is a typical market exercise and is legitimate. This is because this kind of loans are usually baring almost all greater dangers on the lenders. Borrowers of which mortgage establishments are generally about the eager facet to simply accept and mould to our prime interest procedures. That?s the reason difficult funds bank loan professionals can also be getting greater than standard loan providers. The truth is, one of many most effective increasing financial businesses not simply in the United States yet all across the globe take time and effort money as well as a bad credit score lenders.Many individuals and organizations utilize Website marketing in an effort to offer along with market products and services. Affiliate marketing can help you use adverts and Search engine marketing to make profits. If internet marketing appeals to you, the particular details in the following paragraphs need to offer you some important tricks to get going. One important affiliate Internet marketing hint is to provide a few links to different merchant accounts depending on the kind of merchandise you want to advertise. You?ll be able to opt to promote A few merchants on your website and blogsite, which would give the customers a variety of options to choose from. Read more on Internet affiliate marketing.Make sure that every one of the content on your blog or website is search engine optimized. Using this method not only will the Adwords work for you, but also the lookups will contain your web site. The more optimized your web content, the higher you may rank on the web pages, the more visitors you?ll have. You can also earn from Google Adsense this way. Are you worried about that marketing strategies you?d apply for your new merchandise? Don?t worry, here we offer you information on different types of marketing and advertising which you can use to promote your product. With proper marketing and advertising strategies suitable for the marketing type you have selected, it is definitely possible to achieve the maximum possible target audience. Read on?

The effectiveness of the car insurance quotes online a variety of ad campaigns introduced using the money spent just isn?t as well documented, but for confident, there would have been a lot of ads that droped way short of the things they were intended to perform; capture the imagination of the public and persuade them to devote to the brand or merchandise advertised. Using different methods of advertising regarding creating advertisements which have recall for many years is actually difficult but not impossible. In the following paragraphs we list out advertising techniques as well as examples of ads with your techniques that will help you understand how you can raise the tavern for the field associated with advertising.

The simplified yet outstandingly powerful and also informative Search engine marketing e book, ?Secrets from the Huge Canines,? gives real, down-to-earth on the internet advertising marketing recommendations. It ranks roughly number 19 on the prestigious Cb recognition listing of by way of 470 other ?secret-revealing,? Internet marketing home business option, and Affiliate marketing eBooks. Your hard-core specifics introduced the following can drastically help practically any Web marketing ?newbie? in acquiring cheapest auto insurance advertising and marketing internet business final results, and also, to locate in addition utilize precise website web site targeted traffic.

Additionally evaluate the online business website design organization?s previous operates and at the same time compare the idea with other related companies also. Find out when they have been qualified experts and are making use of latest and updated strategies or not. If the company is more successful and has significant experience in search engine optimization, it will not ask you for for original assessment or even project organizing. The estimates and the information their tasks are most probably entirely on their website and you will ensure your self by studying the testimonails from others and feedback of their clientele.

Consequently according to the nature from the business the internet marketing services will utilize the approaches and may help in attracting the particular traffic to your free car insurance quotes website. One of the best places to look for these services is through web. Therefore get started with seeking these services through on the web today itself!

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Source: http://marthaonamission.com/using-video-marketing-to-increase-online-sales/

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What's the tax burden on legal damages? ? Business Management ...

Q. I am pursuing a personal legal action where I might be paid damages. Are these damages subject to income tax? J.L., Groton, Conn. ?

A. It depends. Generally, lawsuit awards and settlements for physical injury or sickness are exempt from federal income tax, but awards and settlements for other torts and awards and settlements for punitive damages are taxable. Compensation for emotional distress is taxable unless it is part and parcel of a physical injury or sickness.

Tip: Check out the laws applicable to state income tax. Your attorney can provide guidance.

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north face bag Writing and Speaking Technical Writ - asics - ?????

Almost every affair needs technical authoring skills at some point or repeatedly usually amid connection with a product release. But highest small and media sized businesses don?t absence those skills always the period They absence them on a per project basis and constantly the tasks associated with their writing needs are small scale and straightforward. Many of these companies ambition contract their needs either directly with a professional alternatively amongst 1 surrogate and next as the duration of the project they?ll have them in their offices equitable prefer 1 employee The trouble with this approach namely that it can be far more priceless than your writing needs apt be,north face bag, it?s unique feasible to outsource the business with one online only provider and save colossal measures of money in the meantime Here?s a quick guide on determining whether this resemble is right for your project and the kind of authors you ought be choosing whether it namely.
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