Friday, November 18, 2016

4 Reasons Why You Need Uninsured Motorist Insurance

Uninsured drivers are breaking the law. However, this reality does not help you if you are in an accident with an uninsured or under-insured motorist, and the driver does not have the money to compensate you for your loss. You can sue. This does not guarantee you will receive a payment. Uninsured motorist insurance is the coverage that you need in this case.

Uninsured can mean no insurance or not enough insurance.

While technically, an under-insured motorist has legal coverage, it does not always follow that it will be enough to satisfy all of the claims against that policy in the event of a major accident. Uninsured means that the party at fault has no insurance to cover the losses. As a driver, you should consider protecting yourself against both of these possibilities. Fortunately, neither of these types of insurance are particularly expensive. Both types are offered by all car insurance companies.

While most uninsured motorist insurance covers nearly all of the possibilities, it might pay to check your policy for the exact coverages.

Financially, you are covered for the damage to your vehicle if you carry collision insurance. It will pay for your car repairs after the deductible if the other driver cannot pay. However, on the liability side, you need to be covered for injuries that may be sustained by passengers in your car. Uninsured motorist insurance, along with any additional medical coverage that you may have purchased with your policy, will cover this for you.

Without uninsured motorist insurance, your injuries may not be covered.

Generally, people rely on their health insurance plan to pay for any medical expenses incurred because of a car accident. If you have large deductibles or an 80/20 type of co-pay, the out-of-pocket expenses can skyrocket quickly. If you do not have uninsured motorist insurance, you will have to pay for these enormous costs at a time when you may be least able to afford it. The uninsured or under-insured motorist policy will not only pay for your medical bills, but will also kick in for some of your lost wages and other potential expenses that have resulted from the accident.

Your uninsured motorist insurance will also cover you when you are not the driver.

If you are struck by a car while walking down the street, your uninsured motorist insurance will be the way that many of your bills will be paid. In most states, when a car hits a pedestrian, the pedestrian is treated as if he or she was a passenger in the car. If the driver has no insurance, you could owe mountains of money for your injuries. Carrying uninsured motorist insurance on your policy will give you the coverage that you need at that time. If you are a passenger in an uninsured car when an accident happens, your uninsured motorist insurance will cover you in that case, too.

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Apple Approves a BitTorrent App for IPhone

The development of BitTorrent-applications are still a bit controversial, and there are many who not support the use of that technology because of the wide spread of illegally distributed material. But I’ll express my thoughts on this subject, and tell you all the benefit of taking advantage of this great protocol for distribution of digital content.

First of all, a short brief of what BitTorrent actually is:
In normal cases while sharing contents with others over the Internet, there is a Peer-to-peer protocol used. That means the information is shared from one source to another receiver on “the other end”. The main problem with this is that it’s critical that the connections between the two clients are maintained through the whole process, otherwise it will be interrupted and the transmission canceled. With the BitTorrent-technology however, the same content is shared from multiple-sources at the same time, to the single receiver. Each and every sender of traffic send different pieces of the information, in different blocks, and therefore the information will come from several sources at the same time. The connection-speed will not be limited to one sender only, but will benefit by the wide opportunity this creates. Also, if one of the senders (called seeders) goes offline, the transmission won’t be canceled, thanks for the continued sharing from the other sources. The number of seeders of a certain object can be several hundreds, even thousands and therefore will it benefit the receiver of the content, because there’s always information available to receive regardless if one of the senders goes offline for example.

The BitTorrent-technology is a great step in the development of information-sharing over the Internet, and the fact that Apple approves an application for this to be used among their product is a very good initiative. This will open up the ability to spread information faster, and more secure around the users all around the world using the iPhone’s daily.

Many dislike BitTorrent’s for the wide-spread of illegally copied material that is shared everyday by this technology, but the truth is there isn’t the technology itself that is to blame here. Programmers all around the world will always find new ways to share information more effectively, and it’s up to the providers of legal material to make sure to take advantage of this so the end-users will benefit from it in the end. No need to ban such things as new technology because it interferes with someone’s interest (for example the music industry, and their sales of music CD’s) it’s in that case better to accept the technology for what it is, and make sure to use that in the best way possible.

Apple has seen this opportunity and what great benefits that comes from it, and approves an application for BitTorrent. That’s a good initiative in my opinion, and a step in the right direction for all of us.

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3 Things to Consider Before You Order from a Seed Catalog

The catalogs are starting to arrive. As you go through the catalog, dreaming of your perfect Spring garden, there are a few things to keep in mind. Just because you wan it to grow, doesn’t mean it will. A lot of the seeds, bulbs, and plants in catalogs are not meant to survive in the deep south. Save yourself both money and time. Do some research first.

Know your zone. If you are new to gardening, find out your zone. The USDA has a map of the U.S divided into hardiness zones. There are 10 zones. These zones are based on average temperatures for the area. Once you know your zone, use that number as a guide. Most seed and plant catalogs list the zones each plant can tolerate. Be aware, there are microclimates within those zones and in your yard. Lower Alabama is in zone 8. Yet, coastal Alabama has a different climate than the rest of lower Alabama. Just because the catalog says a Bleeding Heart is a perennial rated for zones 2 -9, doesn’t mean it will survive in your yard. Forget about it even coming back next year!

Know your sun. Lower Alabama has lots of sunshine with high temperatures. Therefore the plants you chose need to be able to stand up to long hours of sun and high temperatures. The amount of sun will increase water evaporation. That means you will be watering a lot. It’s sensible to chose plants that are sun loving and heat tolerant.

You also need to be aware of the suns movement in your yard. Most yards have areas of full sun, partial shade, and full shade. Different plants have different light requirements. Track the suns movement in your yard. Know what areas get the most sun, and which gets the least sun. Do this ahead of time and you will save yourself hours of playing musical plants. For instance, full sun in coastal Alabama is 4 to 6 hours, not all day. The sun is so hot it will burn plants. Hostas will grow in full sun, up North. Here they must be in the shade or they will burn up.

Know your ground. If you can, get a pH test for your soil. Lower Alabama tends to have acidic soil. Knowing this ahead of time will save you from buying plants that like alkaline soil. The reason camellias and azaleas do so well here is the acidic soil.

You also need to be aware of your yards drainage. Look at your yard after a rain. Does your yard look like a moat or a desert? Many areas in lower Alabama are clay. The water doesn’t drain. Other areas, are quite literally a swamp. Still others are more sandy. You need to know the drainage of your yard. You can’t plant a cactus in an area with poor drainage. Nor can you plant the Louisiana Walking Iris in a dry sandy area.

Before you order from a catalog, talk to your friends about what grows well for them. Drive around and see what everyone else is planting. Mobile is the Azalea City, because they grow so well here. You may want the new hybrid or more exotic plants, but the bottom line is – they may not grow here. Do your research before you buy. Save yourself the time, money, and heartache. Those tulips are beautiful, but they will not come back next year!

Sources: experience

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Alternative Remedies for Menstrual Cramps

Menstrual cramps are sharp, spasmodic pains in your lower abdomen. You get menstrual cramps at the beginning of your period, or a day or two earlier. The cramps usually last two to three days. Most woman feel their cramps are unpleasant or annoying, and others have cramps that are debilitating and absolutely unbearable. Menstrual cramps can be so severe that you can’t carry out your daily activities. There are some alternative remedies that can help relieve some of the pain you experience from your menstrual cramps.

Sitting in a warm bath can help relieve menstrual cramps. Try a mineral bath which consist of 1 cup of baking soda and 1 cup of sea salt. Add this mixture to your bath water. Soak for approximately 20 minutes. Relaxation in a tub can also help. Light some scented candles, and play some soft music while taking your bath. Close your eyes and meditate for about 15 minutes. You can also try lying down on your bed with a heating pad placed on your lower abdomen for pain relief.

Regular aerobic exercise has been known to decrease pain in women. Try walking or swimming for about 20 minutes, 3 times a week. A treadmill or an exercise bicycle are also other good options for exercising. Sometimes it is hard to get the motivation to exercise. Form a exercise club with some of your girlfriends. Get a calendar and choose days to get together, and exercises that will be done on that day. This will make exercising fun, while getting you and your girlfriends healthy.

Stay hydrated with some herbal tea. A cup of hot chamomile, mint, or ginger tea can help relieve menstrual cramp pain, along with the warmth of the liquid. Some have found that dietary supplements thiamin, vitamin E,
vitamin D, and omega-3 may also help reduce cramping.

There is a natural product that is designed to help with heavy menstruation, proper hormone balance, and give you a more comfortable cycle. This product is called Menstrual-Reg. It cost $19.90, and can be found at

Many do not realize the suffering that women go through before and during their period. Depending on how severe your menstrual cramps are, these options should help relieve some of the pain. If you smoke, try to quit. Smoking is known to aggravate menstrual disorders. Before you try any product or exercise routine, check with your doctor. For more information go to or

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4 Common Problems with WiFi Connections on Laptops

There’s possibly no more annoying computer problem than a busted wireless connection, especially when it’s on a laptop, since so few parts are user serviceable. Still, identifying the problems increase your chances of getting them fixed cheaply and quickly, or even fixing them yourself, or changing the conditions of the laptop’s connection to make it work better.

Here’s a guide to a few of the more common problems that laptops have with their wireless Internet connections, connecting to both at-home and public WiFi spots.

1. First, check the basics. The most common issue with laptop Internet connections occurs when you accidentally flip the laptop’s wireless switch, which happens all the time in normal handling or when slipping your laptop in or out of a bag. Be sure to check the wireless switch first, along with the Internet modem and wireless router (if you have access to them, of course). Try to figure out the basics first; a scientific approach is best. Eliminate the simple stuff and then consider the possibility of hardware problems or other issues.

2. Consider the settings you’re using. You should make sure that you’re connecting to your wireless router properly, so check the settings in your laptop computer’s wireless connection (you can right click the wireless icon in your taskbar and hit “View Wireless Settings” or go through your control panel to view settings for individual connections) and check them against the settings for the router. If you’re connecting to a public WiFi hotspot, ask the management of the establishment whether they know of any common connection issues. If you’re in a coffeeshop or something, be sure to grab a cup so that they’ve got a reason to help you!

3. Check for sources of interference. Cell phones and other computers can create conflicts that prevent your laptop from logging on, so you may just need to move around a bit to get away from interfering signals, especially in public WiFi spots. This fix is most likely to work if you’re having intermittent connectivity–meaning that you keep getting kicked off of the WiFi.

4. Broken wireless connections. You can diagnose a broken wireless connection on your laptop if you’re having intermittent connectivity or no connectivity, meaning that your laptop doesn’t even see that there are wireless connections in the area, and it’s happening in more than one place where you know that the laptop should be getting service. You can buy a USB adapter for your laptop if you’ve got a broken card, as they’re fairly cheap and very simple to install, or you can always call in your warranty if it’s still valid.

Do you know of any other common problems with laptop wireless connections? Post your thoughts in our comments section below.

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ADeskBar - A Lightweight Panel Replacement for Linux

One of the great things about Linux is how configurable and flexible it is. Don’t like the default web browser? That’s easy on any operating system; just install one you like and delete the one you don’t like. Don’t like the standard file manager? That’s also easy, although on Windows and Mac OS X, you’ll still likely end up with Windows Explorer and Finder installed, even if you use a different program for browsing your files (this is similar to how GNOME Linux requires Nautilus for managing your desktop icons, although you can use something else (like Thunar), to browse your files). Icon sets, sound themes, window managers, even different programs for special desktop effects like Compiz can be added or deleted in Linux.

By default in GNOME Linux, there is a panel (sometimes two), at either the top or bottom of the screen (sometimes, as with Ubuntu, in both places). The panels are there to make managing your open windows easier, as well as to provide information for updates, the clock and calendar, shutdown/reboot/logoff buttons, as well as a place for a menu, so you can access your menus. There’s nothing wrong with the standard GNOME panel. It’s been around for years and does the job. But there are newer options becoming available that also do the job, many of them using fewer system resources , offering more flexibility, and in a more stylish manner. In this article I’m going to talk about one of the newer ones (or at least newer to me), called ADeskBar.

ADeskBar, at least by default, is an expanding bottom panel that shrinks or grows depending on how many open programs you have. As a new program is started or a running program closed, icons representing each program are added or removed from the panel. Clicking an icon brings up that program’s window. Windows from the same program are treated as different processes, so if you have three different documents open in a text editor (as I do at the moment), you’ll see three little text editor icons. Hovering over each icon reveals the name of the program and the window title, so telling them apart is relatively simple. Just as clicking an icon reveals a minimized window, so too does clicking the icon of an inactive window bring it to the front, while clicking the icon of the active window minimizes it out of sight.

By default, ADeskBar also has a few other nice options, such as an icon to show the desktop (which temporarily hides all windows that obscure the desktop), an icon that brings up a Terminal window with a single click, and a standard program menu, very similar to the standard GNOME menu bar. It includes all your basic program categories, with applications in submenus, as well as menus for system preferences and administrative control panels. You also have a digital clock, session control, task list and sound volume control.

What makes ADeskBar quite nice is all the different plugin options, as well as how customizable the dock itself actually is. You have different plugins, including a drawer (to hold your most commonly-used applications), a Places plugin for accessing standard folders on your hard drive, a search box to search Google, a window list, and notification area. You can also, by selecting them from your standard menus, choose applications or places to pin to ADeskBar, making it a great quick launcher as well as a window management tool. For Ubuntu users, there is a bit of integration missing, however. There is no Indicator Applet support, which means no Me Menu, no Indicator Session Applet, and no Sound Menu for your applications. Still, it’s very powerful, considering how lightweight it is and how few system resources it uses while running.

Still, in spite of its shortcomings, I found myself enjoying ADeskBar during my testing. It’s very fast, very responsive, and has a lot of features. Unfortunately for me, there were just a few too many inadequacies for me to switch to it full-time. I use the Indicator Applets quite a bit, so giving them up wouldn’t have been fun. Add to it the fact that I just couldn’t get the notification plugin to work – ever – even with all other indicator applets stopped and no other panels running, and ADeskBar isn’t quite where I need it to be for me to switch to it immediately. But it is a very promising program. I like the look and feel, the customizability (which includes size, placement, transparency and color), and the options. Clean up a few glitches and possibly add a bit of integration (maybe a plugin from a kind Ubuntu user or developer?), and I would be sold on it for sure.

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Analysis of Letter from Birmingham Jail

“The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy,” said Martin Luther King Jr., and that is exactly what King did. King did not reside in his safe home and witness the harsh discrimination against African Americans. Instead he was a charismatic leader who advocated civil rights, often conducting protests and boycotts. However during his crusade for justice, King and other activists were brutally apprehended in Birmingham, Alabama for violating the state circuit court injunction against protests. In order to discourage future demonstrations, the eight Alabama clergymen write a public statement targeting the protestors. While confined, King spends four days writing a letter, known as “Letter from Birmingham Jail,” to respond to the public statement in defense of his actions. In paragraphs 23-32, King expresses his disappointment with the white moderate using its devotion to order, its misconception of time, and its illogical condemnation of the Birmingham demonstrations.

King’s first paragraph of this section serves as an outline for his argument, and the first disappointment he conveys is how the white moderate is “more devoted to “order” than to justice.” King always hoped that the “white moderate would understand that law and order exist for” “establishing justice” and that when law and order fails, they are the” dangerously structured dams” that “block the flow of social progress.” He metaphorically compares law and order to dams that hinder blacks from achieving rights in order to indicate that justice is not established when these important protests are stopped. Indeed, protests are not supported by state, but these demonstrations serve as forums for African Americans to take action and remind the state that African Americans deserve rights. Thus, old laws need to be changed to create a more just society. King is dismayed by the blindness exhibited by the white moderate. Ironically, the white moderate clearly acknowledges its responsibility of maintaining peace and order in society, and makes laws to fulfill that responsibility, but it fails to recognize that by taking the rights of African Americans, it is merely promoting injustice. In the clergymen’s statement, a certain “tension” is tied to activists. The arguments portray them as people who are reluctant to face problems, and prefer to adhere to traditional solutions, or in other words, “[devout] to order.” King counters their blameful message by referring to the tension as dormant and “like a boil that can never be cured” as long as “it is covered up.” By using this simile, King considers his actions to be a therapeutic approach because he states that the demonstrations merely lure “it to the surface” so the problem can be cured. He convinces that the white majority needs to help expose the “ugliness” of discrimination to the “light of human conscience and the air of national opinion” in order for it to be healed. In order to express more dissatisfaction, King reminds the clergymen that they are thankful for “the brutality of policemen King brings to attention that the method policemen use to maintain order is equivalent to one which beats innocent people. His use of pathos causes the clergymen to feel guilty and rethink whether the police are promoters of justice or relentless criminals. In addition, he begins most of the paragraphs with the phrase “I had hoped.” The repetition of these joined words emphasize how the white moderate did not respond to the current situation of the blacks the way he had wished, which also leads to his assertion that white moderate have failed to understand time.

King argues that the white moderate has misinterpreted time. The letter points out the flaws in their idea that time will “cure all ills”. An assertion about time is inspired by King’s Texan friend who reminds King that it took “Christianity almost two thousand years to accomplish what it has.” King then labels this statement as a “tragic misconception.” Thus his unhappiness with the white moderate is due to its decision to situate itself away from actively working for good even though time is on its side. The voices of the white moderate would cause a momentous change in the speed the civil rights movement progresses. Also, to him, “time is neutral,” so he declares that it can be used two ways, “destructively” or “constructively.” Moreover, he contrasts these two differences by relating good people to the ill people. King views the good people as unable to use time advantageously while the ill willed “have used time much more effectively.” By depicting the ill willed as more diligent in fighting to refuse rights to the blacks, King accuses the white majority’s inaction to be a reason for the stalled civil rights movement. His letter conveys the “hateful words and actions of bad people” as less regretful than the “appalling silence of the good people.” King tries to notion more whites to start speaking up for the blacks in order for them to redeem themselves. The antagonists are overpowering the good people in society, but this can be easily avoided if the good people just speak up to help the African Americans achieve justice. Since the white moderate embrace the idea that they set “the timetable for another’s freedom,” King needs to erase that belief. King also criticizes the clergymen for calling the demonstrations as “untimely” because they feel that they should wait for a better occasion. In order to refute this statement from the clergy, King describes human progress to have “never rolled on the wheels of inevitability,” proving his claim that more effort is needed now and that waiting does nothing. With more effort, King believes that time “becomes an ally,” something that aids people and allows them to reach out for what they want. His argument about misinterpreted time allows him to say, “Now is the time,” urging more advocates.

Besides the white moderate being confused about the concept of inevitability, King also expresses discontent with the clergymen’s illogical reasoning. The clergymen condemn the demonstrations for “[precipitating] violence;” however, King questions their assertion. He responds to the clergymen with parallel questions that are targeted directly them. His first question asks “isn’t this like condemning a robbed man because his money precipitated the evil act of robbery?” Since people pity the person being robbed, King appeals to the guilt of the clergymen by describing their blame of the demonstrations as analogous to the blame of the robbed man. Later he considers them to be unfaithful to religion using ethos with the question “Isn’t this like condemning Jesus because his unique God consciousness … precipitated the evil act of crucifixion.” King insinuates that the clergymen are hypocritical if they are against the demonstrations. Additionally, the clergymen accuse activists’ nonviolent actions to be extreme, and he opposes this accusation with another set of parallel questions. These rhetorical questions consist of historical and biblical allusions; they imply that the clergymen are hypocritical of important figures. He alludes to “Amos, Lord Jesus, Martin Luther, John Bunyan, Abraham Lincoln, and Thomas Jefferson.” At first King did not take the extremist claim lightly, but he realizes that he is in fact being grouped with multiple well-respected figures. Because he uses biblical allusions, the clergymen are seen as hypocrites. Since they called him an extremist, King sees himself as equal to people like Lincoln and Jesus, and begins to praise the idea that he advocates extremism. Therefore, King convinces the clergymen that their argument is weak because they are bunching him with prominent people. He willingly ends this argument suggesting, “The nation and the world are in dire need of creative extremists.”

Through creative various rhetorical techniques, King effectively conveys his dissatisfaction with the white moderate. Though this section was written primarily to explain that the white majority did not work up to his expectation, it serves a dual purpose; to encourage its commitment as well. Even the action of writing a letter proves remarkable because King was in jail and able to gain enough support for the eventual establishment of the Civil Rights Act of 1964. Thus proving that people only have to commit to a cause and stay long enough to see it through. If it were not for the effects of letters similar to “Letter From Birmingham Jail” and other methods of activism, white majority would still be waiting those “two thousand years” for equality of men to be reached. Finally the efforts of people working together allowed for justice to seep through the discrimination and injustice.

Sources: (Dr. Martin Luther King’s “Letter from Birmingham Jail”)

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Adult Bullying

The word Bully is defined in Webster’s Dictionary as follows…
*A person habitually cruel to others who are weaker. To behave as a bully toward: Domineer, browbeat, intimidate, hector.

When people think of bullies, they often think of schoolhouse nonsense, but what about adult bullies? These are typically two completely different things. Children tend to be physical and up-front with their bullying – name calling, pushing, hitting, etc. – whereas adults tend to use their brains instead.

*An adult bully will mentally intimidate. They will offer every explanation as to why their idea or way is better, allowing no room for your opinion.
*They will play mind games, acting as though it is in the best interest of everyone involved, pointing out the good qualities of their way to sway you in their direction.
*They will often play “poor pitiful me” when things start going in the opposite direction of their goal.
*They will start to eventually display bouts of attitude with your persistence.
*Adult bullies will, at first, appear to be strong and confident but will soon shed that appearance for an arrogant, know-it-all.
*They will never admit they are wrong, only offer explanations as to why things turned out the way they did, typically making you the “bad guy.”
*When it is time for the bottom line, an adult bully will go for the throat, getting rude, starting trouble at your work, trying to turn your friends against you, sabotaging your relationships, etc., caring less who they hurt in the process.
*An adult bully is simply selfish and self-centered.

A bully is often noticed right off the bat, if you choose to look. Typically, you have seen them act this way toward others but didn’t think much of it. Never make the mistake of thinking they won’t turn on you, even if they are your friend. Bullies don’t discriminate.

The only way to deter a bully, if physical harm isn’t an issue, is to not give them their way. Be strong and confident, but do not lower yourself to their level. Bullies thrive on power, and when you take that away from them, they will typically back off and, sadly, find another victim. Adult bullies are perhaps the most pathetic people of all.

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