Archive for July, 2009
Friday, July 31st, 2009
At the eve of the major departures in August, twenty are already on their lists, which should still grow.
Going on vacation serene, knowing that every day the closure of doors and windows of his home will be verified, and that policemen or gendarmes enjoy their night patrols and day for additional surveillance: is the goal del’opération quiet holiday. To qualify, simply deremplir a short form from any law enforcement, which may ainsijoindre the owner or a member of his family in the event of concern and possibly entrust the keys of a gate or of gate.
No incidents in July
“During the month of July, we had no incidentàdéplorer on house arrest, except, sometimes, a door left open inadvertently by a neighbor with the key and immediately notified,” said the municipal police. Ask a neighbor to regularly empty the mailbox or to give some signs of life in the house is indeed a good thing. “We must not leave obvious signs of absence prolongéeet especially not away message on the answering machine,” advises parailleurs, Lieutenant Martin, commander of the gendarmerie.
Entry without breaking once in five
“It should not be left hanging in the garden of the objects could be used for a break in order to delay as much as possible the entrance. If not successful in a few minutes, leaving burglars generally “, he says, recalling that after five thieves enter without breaking through the door, finding the key under the doormat or a pot of flowers.
Friday, July 31st, 2009
“The victims are probably insured, at least I hope,” said Alexandre Royer, head of media relations at the Insurance Bureau of Canada. In fact, 98% of homeowners are insured for their homes. Furthermore, this type of damage, overflow and sewer and water infiltration, can be covered through an amendment, an additional security. ”
Mr. Royer said that if damage is caused to the residence of an insured or to the home and its property, it is always important to promptly inform his insurer. “It will be necessary to put the house in the state before the disaster, he said. Same for the property. Once it has compensated the insured – is his priority – see if the insurer may apply to the City for compensation or to recover the amounts paid, either with the possibility of prosecution. ”
The water damage claims have become the number 1 home insurance in Quebec, “says Royer. “Forty-five percent of claims paid by insurers are for damage caused by water which overflows and sewer. But the owners also have responsibilities. Beyond the fact of being insured, an owner should be to find ways to limit or avoid this type of damage with the installation of a non-refoulement and the installation or maintenance of a drain. ”
More rain fell in the night from Tuesday to Wednesday but no damage was reported, according to Philippe Sabourin, spokesman for the city.
Wednesday, July 29th, 2009
The $ 224 million in program cuts to In Home Supportive Services (IHSS) and the $ 300 million less to MediCal, which would cost the state duplication or triple in coming years, according to the California Medical Association (CMA) .
These cuts will dramatically increase the cost of long term care paid by taxpayers, to the extent that patients are pushed out of these programs and who have no choice but to return to the costly and overcrowded emergency rooms to receive medical care, said Dr. Dev GnanaDev, president of CMA.
The IHSS program provides assistance to disabled persons for cooking, cleaning and specialty care in their homes, while MediCal is the state health insurance for low-income people.
The medical association said that the cuts to these programs will affect thousands of the poorest residents, children, the elderly and the disabled.
Lillibeth Navarro, executive director of the aid organization for people with disabilities actively Living Communities Independent and Free (CALIF), said that not only increase the cost in emergency rooms but also in schools and convalescent homes for the elderly.
“With the changes to IHSS more people will lose the service and could be in danger of being placed in a convalescent home. The cost of this type of care can range from 3,000 to $ 5,000 per month, while the cost of IHSS may from $ 500 a month, “explained Navarro.
“The care of the specialized care 24 hours a day is very expensive and often can be avoided if the person is careful at home. I do not think the state government understands what he is doing,” said Navarro.
Under the approved changes to IHSS, people listed in the levels of 1-3 would be in danger of losing the aid, only those who are most critical at the 4 and 5 qualify for assistance at home.
People like Elvira Amaya, 48 years of age who is incapacitated for five years by illness and receives about 82 hours per month to help at home, could stay without extra help. “Life is hard, trying to survive and recover. In recent years I’ve been hospitalized about 10 times, last time was two weeks ago. I left the hospital two days ago, my doctor says I need help at home, “said Elvira.
Elvira lives with her husband, Salvador Interiano, who works in a parking lot and help all you can when your schedule permits.
Navarro explained that people like Elvira, who receives between $ 300 to $ 500 monthly in disability, in whom the government spends about $ 720 per month in IHSS, could become a huge fiscal burden and human.
In Los Angeles there are about 170.000 people with disabilities benefit from the IHSS program in Navarro estimates are that 25% could lose support.
“I believe that politicians do not realize the economic and social impact this would have. Not only is the money being spent, but which do respond to over 44 thousand people who require convalescent care centers?” asked Navarro.
In Los Angeles only about 1,500 beds available in convalescent centers.
To prevent fraud, the IHSS program to the new provisions also include a federal review of the incapacitated person and the caregiver in the home, each will pay $ 50 in their pockets.
The $ 224 million in program cuts to In Home Supportive Services (IHSS) and the $ 300 million less to MediCal, which would cost the state duplication or triple in coming years, according to the California Medical Association (CMA) .
These cuts will dramatically increase the cost of long term care paid by taxpayers, to the extent that patients are pushed out of these programs and who have no choice but to return to the costly and overcrowded emergency rooms to receive medical care, said Dr. Dev GnanaDev, president of CMA.
The IHSS program provides assistance to disabled persons for cooking, cleaning and specialty care in their homes, while MediCal is the state health insurance for low-income people.
The medical association said that the cuts to these programs will affect thousands of the poorest residents, children, the elderly and the disabled.
Lillibeth Navarro, executive director of the aid organization for people with disabilities actively Living Communities Independent and Free (CALIF), said that not only increase the cost in emergency rooms but also in schools and convalescent homes for the elderly.
“With the changes to IHSS more people will lose the service and could be in danger of being placed in a convalescent home. The cost of this type of care can range from 3,000 to $ 5,000 per month, while the cost of IHSS may from $ 500 a month, “explained Navarro.
“The care of the specialized care 24 hours a day is very expensive and often can be avoided if the person is careful at home. I do not think the state government understands what he is doing,” said Navarro.
Wednesday, July 29th, 2009
As the teenagers grow up and want to get behind the wheel of a car on their own, also increases the need to calculate the rate of insurance coverage to avoid extra headaches in case of an accident.
Families who have a young driver in your household must be educated on how to drive responsibly, but also on adequate insurance coverage for their needs.
The key that will give you confidence
And according to all studies, the chances of a teenager suffering a crash are higher than the rest of the population, with the sole exception of seniors, especially in the summer.
According to a study by the Organization of Students Against Destructive Decisions or SADD (Students Against Destructive Decisions) teenagers spend 44% more time driving during the summer than during the school year.
What is more, drivers of 16 years are more likely to have an accident than any other group of drivers, while motor vehicle accidents are the leading cause of death among young people between 15 and 20 years of age.
According to the National Higway Traffic Safety Administration (NHTSA) every 5 years die a thousand young people in car accidents.
“Young people think they are indestructible and often make very risky,” said Loretta Worters, vice president of the Insurance Information Institute (III, for its initials in English). “[Teenagers] are often distracted by activity inappropriate to the car while driving, like eating, talking on the phone, writing text messages, chat with friends in the car and what is worse, sometimes even wearing belts security “.
“Get in touch with your insurance agent or insurance company when your son or daughter go to apply for driver’s apprentice awards, recommended Worters. “Your agent will explain what the costs mean that your teen is driving. The good news is that over time your child gets bigger and more efficient handling, insurance costs go down, if he or she maintain a good driving record. “
Wednesday, July 29th, 2009
A third of financial institutions to grant credit for showing disinterest among them there are major differences in the granting of mortgage loans and consumer, according to a study by the Department of Consumer Affairs on the difficulties in obtaining credit or a loan.
The Directorate of Consumer Basque Government has conducted a survey among major savings banks and the Basque Autonomous Community, to find out the possibilities of obtaining a mortgage that people who want to build a home, as well as the test difficulties in getting a credit.
The work has been addressed from the perspective of knowing the receptivity or susceptibility to capture customers by the various entities, the requirements, the main obstacles and difficulties and the conditions imposed when granting credit.
The working method is based on personal visit during the month of February, from 47 financial institutions (20 and 27 savings banks) in the mortgage loan application, including selecting various offices of the same entity, to see variations. In relation to consumer credit, there have been 23 visits four cars in financial, eight and eleven savings banks.
The course was raised a request from a couple with total income of 2,200 euros a month, a savings of 30,000 euros and comprehensive family support for the purchase of a home of 270,000 euros.
According to this study, the kindness shown was acceptable, except in the big banks, and interest was almost zero in almost every bank, while the rest required due to the economic capacity of parents as potential guarantors.
Also, there are differences in credit terms between branches of the same, due to the leeway of each director, while there are no major differences in expenses before, but in the amount of the valuation.
In relation to the amount granted, the majority gives more than 80 percent of the appraised value of the floor and the maximum allowable debt on total income is between 30 and 60 per cent.
All the institutions charge fees, the opening is billed for 80 percent of the entities and the rates vary between 0.15 percent and 1.25 percent.
Over half claim that Guarantors and the interest rate fluctuates in a wide band that runs from Euribor +0.25 or 0.27 to 1.25 percent. The concession period is, at most, a maximum period of 35 years.
A total of 30 of the 47 bodies consulted were in favor of granting credit, ten and seven refused existed doubts.
Consumer Credit
As consumer credit, raised the request for a loan of 18,000 euros to buy a car from a person with an income of 1,300 euros, which contract and not a customer of the entity.
In this case, the degree of interest varies widely: some facilities and other impassable, with orders to give loans only to its customers. In the case of financial interest in addressing the credit is high.
The commissions charged by opening redemption and cancellation vary between 0.15 and 3 per cent, the big banks and the financial position of those cars in the top of the fork.
All banks, except one, require some type of insurance (life, car, protection payments and / or secure repayment of the loan. The interest rate varies with a difference that comes to 7.5 points (from 6 5% to 14%). In the financial lies between 7.5% and 8.75%.
As for the monthly fee, the differences are not great but if extrapolated to the year, which is the lowest figure is 352 euros which would be 4244 euros per year. At the other extreme, there is a fee of 444 euros, which are 5328 euros per year, which is 1104 euros per year.
Finally, the granting of credit is good for the four financial institutions and the rest of the 13 awarded, one is in doubt and refuse to give it five.
Based on these data, the Department of Consumer Affairs recommends comparing the terms offered by different financial institutions before deciding to apply for a credit.
Wednesday, July 29th, 2009
Children and adolescents suffer from a Bolivian high risk of violent punishment inside their homes.
According to the most recent study of the Unit for Economic Policy Analysis (UDAPE) of the Government and the International Fund of the United Nations Children’s Emergency Fund (UNICEF), children face the possibility that 55 percent of households.
This is one of the results arrived to the study entitled: “Bolivia, rights and gender equality in childhood and adolescence,” held by both institutions in this effort.
The main conclusion, however, is that the country has a moderate performance of the rights of children and adolescents, with a value of 0.622 over a maximum of one.
In the rating scale of 0 to 1, in the first place is the fulfillment of rights in education and the delivery of birth certificates, and in recent sites, the risk of abuse in 55 percent of households and minor advances in space.
There are two main recommendations of the study to improve public policy: “Devote more efforts to improve living conditions around the country” and “working to promote a culture of good treatment.”
The latest advice focuses on the municipalities of Cochabamba and El Alto, La Paz and Tarija.
A transgression
This report complements the first paper UDAPE 2005 on the implementation of children’s rights, but this time has been incorporated into the indicators of health, education, housing and economic capacity of households, the index of protection, referred to the rights of identity, protection from abuse and economic exploitation.
In this section, the report reveals that “the major problems are related to the high risk of violence.”
The institutions that made the job lament that is occurring in homes where the “worst abuses” against the rights of children and adolescents.
This transgression is the result-of-points “violent punishments that fathers, mothers and other members have on them as a means of correcting behavior, which often go unnoticed or covered up.”
“While such punishments seem effective in the short term, could generate serious problems in the long term,” says the paper UDAPE and Unicef.
For these institutions, all we get the brutal sanctions “is to show children and teens a pattern of conduct in which violence appears to be accepted and tolerated remedy for solving the problems.”
According to the entities sponsoring the study, these actions can become a vicious cycle in which force or violence may become a routine.
“Victims of violence, ruling the study are exposed to physical and psychological harm that affect their physical, mental and emotional and have a high probability of representing, in future, similar patterns of behavior at home and in society .
The document also notes that in previous years “made significant progress in defending the rights of children from state policies.
Among the findings highlighted that government is “the universalization of primary education, the articulation of secondary education and strengthening of health programs, such as the Universal Mother and Child Insurance (SUMI).
Factors and consequences of abuse
The punishment just does not physically harm the person, but makes a strong emotional state of confusion, fear and taught to be submissive, thus decreasing their ability to grow as autonomous and responsible person.
Psychological punishment, likewise destroys the feelings of the child, the child or young person who receives it, generating a lack of self esteem and becoming rebellious person.
Among the causes of abuse identified by the youth of the parents, low education level, poverty and cultural factors.
Mothers or heads of household younger (they are far more rookie) is a factor that increases the risk that a child would suffer attacks. To take responsibility early, parents can immerse in states of stress.
When mothers were or are physically or psychologically punished, either by their parents or their partner, the likelihood that they reproduce the violence is greatest.
Living in rural areas or belonging to a lower stratum of wealth are variables that increase the likelihood of exercise physical abuse.
Notwithstanding the foregoing, according to Unicef and UDAPE, understand the causes of abuse is a very complex task, as it relates to cultural, sociological and even psychological.
Monday, July 27th, 2009
The leading European stock exchanges Tuesday morning were quite well thanks to the better than expected figures including Intel and Goldman Sachs. Besides the technological and financial sectors, commodity-related companies were also popular.
By the end of the morning noted the AEX index of most traded funds in Amsterdam 4.5 points or 1.8 percent higher at 256.37 points. The Midkap index of medium-sized funds rose 0.8 percent to 361.19 points. The exchanges in Frankfurt, London and Paris went to 1.8 percent advance.
The American made chipfabrikant Intel Tuesday announced a net loss of 398 million dollars, the first loss in 22 years. This was caused by a cartel fine of 1.1 billion euros from the European Commission. Without that penalty took Intel a profit of 18 cents per share, which analysts average charge of 8 cents.
Intel
The Intel shares closed Tuesday, 8 percent higher in New York Wednesday and took the European sector in tow. ,, The party is in the chip sector,’’said analyst Eric de Graaf of Petercam bank. In Frankfurt Infineon won 6 percent and in Paris STMicroelectronics rose nearly 7 percent.
Chip equipment manufacturer ASML, which has Intel as a customer, rose 4 percent in Amsterdam. The company presented a smaller than expected loss of 104 million euros in the second quarter. ASML expects the current quarter a small loss and think at the end of the year even to run.
Financial sector
Banks and insurers were also good business, thanks to better than expected second quarter figures from U.S. bank Goldman Sachs. Aegon and ING in Amsterdam were respectively 2.6 and 3.4 percent ahead. Sector as Barclays, Deutsche Bank and BNP Paribas rose 3.5 percent.
Steel group Arcelor Mittal rose 4 percent due to rising metal prices. According to many analysts, the steel sector on the way back, having in recent months under severe pressure to have the global recession.
Monday, July 27th, 2009
It would be good if people with their job in relatively safe waters are the people who risk losing their jobs through help.”
It says the Labor government-woman Saturday in an interview with de Volkskrant. Klijnsma calculates that if workers 0.5 percent premium for unemployment insurance benefits to pay 350 million euros that quickly either. The government has from this year’s unemployment premiums for employees decreased to 0. In the autumn of 2008 agreed on the trade union movement in exchange for this measure to pay.
Monday, July 27th, 2009
The gymnastics federation KNGU, sports dome NOCNSF and Defense to jointly support turner Yuri van Gelder, a provisional suspension of residence because of cocaine use.
The three parties to the cases ex-world champion on the rings to assist in the medical, financial and technical training, said President Jos Geukers of KNGU Saturday.
,, We are going next week at high level to sit”, described Geukers the situation. ,, We want to see what we can do to the hole where Yuri is not too large to make.”Geukers, who suspects that behalf NOCNSF also technical director Maurits Hendriks a role, called it important that the medical treatment of Van Gelder starts as soon as possible. ,, That is our primary interest, we do not first find out whether such a treatment in their insurance is. First work, then we get the bill to go.”
Thursday, July 23rd, 2009
About 1,200 hectares is the area covered by the flames at the gates of Marseilles. A house, five cabins and an old barn were also destroyed by the flames. For the rest “is the bobologie” said Jose Allegrini. Three marine brigades, three policemen and one civilian have been poisoned by the fumes but no serious victim is to be deplored, welcomed the Deputy Mayor of Marseille responsible for civil security. As a precaution, several homes were evacuated, including two retirement homes.
This morning, the trend is cause for optimism. The fire is contained and under control “has announced to 7:00 the marine brigade commander in the city of Marseille. But Jose Allegrini stresses caution. “The wind continues to blow and the fire hazard continues to be very strong in the area,” he says, while Canadair are still hard at work trying to extinguish the fire.
A GESTURE MILITAIRE “stupid, unacceptable and Scandal”
The fire was caused by tracer bullets of soldiers who were training nearby. You have been heard on France Info, the prefect of the Bouches-du-Rhone, Michel Sapin, has strongly condemned this act “stupid, unacceptable and outrageous.” The military exercise yesterday was all the more surprising that the use of tracer bullets is prohibited in the department at this time of year. Jose Allegrini, who is also delegated to the military in Marseilles, knows the rules. It “very clear and rigorous,” he says. It “prohibits firing tracer bullets in the Mediterranean area during the summer months, precisely to avoid such consequences,” he says. “So if someone has taken an initiative of this nature is an initiative that is in violation of military regulations,” he adds. And it is obviously the case since learned that morning that the military responsible for these shootings has been suspended. This is a section chief of the first regiment of the Foreign Legion in Aubagne whose name was not revealed.
“THE FIREMAN IS WHAT IS THE FIRE IS WHAT YOU WANT”
But beyond the controversy that swells around the origin of this fire, how fire, which started in the afternoon to Carpiane, he could arrive late in the day at the gates of Marseilles? That is the question being asked many people today. José Allegrini, means “very important and very fast” were deployed to the task. More than 500 men on the ground, 120 vehicles, two helicopters, water bombers in the city of Marseille, two more of the Bouches-du-Rhône, Canadair. But “the multiplicity of lamps” and the wind did not ease the task of relief and “simultaneity in claims management sometimes leads to issues of astonishment,” he comments. Whatever means they will never be enough to face the fury of the elements, “the deputy mayor, old firefighter in support,” the firefighter doing what it can and the fact that fire wants “.
DANGEROUS AREAS HOUSING?
Some Marseillais also denounced the policy of land use plan, which has helped build houses in areas at risk. Chairman of the Board of urban risks of the city, Jose Allegrini authorization ensures that new construction meets to assess all risks, including risks fire. The oldest houses on the other hand may have been built in a more “haphazard”, he acknowledges. “But what about the people in these areas plant on the edge if they were asked to leave their homes while they are usually in the stillness and quiet suburban ?”… questioned the Deputy Mayor of Marseille.
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