Wiggler – Control Your Own Spacecraft!

Do you enjoy space adventures and controlling diverse vehicles in unusual environments? Wiggler is a free arcade game where the task is to control your own spacecraft traveling around space ports.

Your vehicle appears out of a portal and the main goal is to search for the space key, grab it and come back to the portal using as less time as possible. Regardless of the time you spend for completing the level you get awarded with points afterward. But the faster you manage to do it, the more chances you have to obtain also bonus points to use them for diversity upgrades. The strength and capacities of your spacecraft depend on its rotation and maximum speed, acceleration, the quality of shield and the possibilities of its self-repair.

On the way to the "space key" you will encounter plenty of walls that create obstacles in this free online game. Make sure you do not hit the walls otherwise your shield gets damaged. If they're too many accidents on the way and your shield becomes fragile, the spacecraft gets smashed and blown up. Try not to bump your spacecraft too much.

Sometimes the whole image of location is disclosed only after your start traveling. Your moves should be smooth and accurate enough in order not to damage the vehicle but at the same time fast enough to be able to win the points, just like when you park your car on a busy street!

Both the graphics and animation are not that impressive but this is free arcade game offers the players a nice set of different tasks aimed at training your abilities of accuracy in moving the objects.



Source by Anastartem V

Cars at the USA Salvage Car Auctions

A small number of Americans will take up cars in Germany; though, for the American who at the moment lives in Germany, plans to live in Germany, or is extensively visiting Germany, the chance of purchasing a car in Germany rises. Germany can be proud of by its lengthy history of better-quality automobile built-up and its auto marketplace is as fundamental for its financial system as the car market is to the economy of the USA. Vehicles for sale in Germany are as abundant as they are in the United States. The production involves Germany’s local brands such as BMW and Volkswagen as well as American and other brands. Additionally, the market includes new, used, and even salvage cars in Germany.

For the great majority of Americans, the purchase of salvage cars can be realized through the well-known online auctions or other online auto sales. Several of these Americans will habitually comprise military personnel and their associates, contractors of the government and other personnel. When a person is looking for a used vehicle, he can as a buyer could refer to the List which can be successfully found in automobile magazines, from car dealers, or even in the Internet which gives a price list and provide a guide for buyers to take up used vehicles. The process of purchasing a vehicle in Germany is similar and much like taking up one in the United States. Financing is real; trade-ins are usual, and warranties can be provided. Once the purchase is completed, the car buyer will require evidence of insurance as well as proof of security inspection, registration, and rights for this vehicle. The purchaser will need to take these papers to the motor vehicle department in the German locale where the car will be driven. After paying the appropriate fees, he will be able to obtain the license plates for authorization of driving the car on Germany’s roads.

You will surely agree with the fact that nearly everyone will necessitate a mode of moving for work, school or just running errands. Most of these persons cannot afford such spending at all due to the tight budget and can’t buy a new, or even a good used vehicle. One of the alternatives is to visit diverse salvage car auctions; either live auctions or they could be found online. In the Internet you can place your bids on a damaged vehicle, and keep up thousands of dollars, versus buying a new or a used car in good form. A salvaged auction vehicle is a car that has either been in an accident, or has some kind of engine trouble, and was sold for cash, instead of repairing. Vehicles that are purchased at a salvage auction yard will most likely necessitate some sort of repairs, either to the engine, or the body.

This is why it’s vital that the buyer should be aware of the damages, and be able to fix up the problems. The cause the vehicles are in salvage car auctions is because the cost of repair regularly overcomes the vehicle’s cost. Very often it is the insurance company or the owner who decides to total the vehicle. Other reason for purchasing a car at a salvage yard is to restore a vehicle as a pastime. One is able to find many restorable project cars at an auto salvage auction. Also parts for vehicles are also available here at auctions. So if you are looking for a good deal car to fix for a cheap type of transportation or a restorable vehicle for a leisure pursuit, salvage car auctions might be your best preference.



Source by Pete Loren

Pay-As-You-Drive Personal Auto Insurance – Recent Developments

California private auto was changed forever in 1988 with the passage of Proposition 103. Among other things the regulations provided that insurance companies must accept all good drivers (as defined by them) and rate auto on 3 primary factors: Driving Safety, Annual Mileage, and Years Driving (rather than age of driver).

Later some 40 other factors would have accepted onto a list of other permitted secondary factors, although insurance score is not one of them. Territories were abolished in factor of some statistically-built bands related to accident frequency and other factors. Occasionally, even the number and differentials between bands would be narrowed.

The effect of the original regulation and the consequential changes was to cause or increase subsidies for a variety of policyholders:

  • Drivers with accidents subsidize good drivers
  • Long annual mileage drivers subsidize short annual mileage drivers
  • Urban drivers subsidize rural drivers
  • Nearly everyone subsidizes low experienced male drivers

The existence of these subsidies causes shortages in the marketplace and influences behavior that may not be desirable. For example, if drivers with accidents pay too much overall, this may cause an incentive to under report accidents. Less data is usually not good – the absence of accidents in the database will extremely raise rates for the next lower level of accident-proneness, as the higher risk drivers seem to belong in the lower accident group based on their statistics.

Other effects of forced subsidies are the introduction of new companies that are specialists in the over-priced segment of the market, increases in the number of drivers in the temporary market, and rate increases for truly good risks.

Pay-as-you-drive insurance:

It is the limited number of categories for annual miles driven that catches the attention of regulators and others wanting a more refined rating plan. Number of miles driven looks like a reasonable way to measure exposure and is easily understood by policyholders. Presumably in combination with "where you drive" (territory, that is. Although this is not "where you drive", it's "where you LIVE"), it would seem to cover a driver's exposure very well (see next section for what research shows).

The new proposed regulation is being touted as a "green" provision, encouraging drivers to drive less by having their insurance coverage apply by mile driven. California Insurance Commissioner Steve Poizner has proposed this optional rating mechanism, allowing insurers to offer a voluntary option for consumers who are interested in pay-as-you-drive coverage.

Consumer groups are opposed, saying that there is not enough protections in the law for protecting the privacy of insured's everyday activities. Some tracking mechanisms include "OnStar" satellite and GPS-based meters similar to those used in cell phones.

Quoting from the article:

"The Environmental Defense Fund estimates that if 30% of Californians participate in this voluntary coverage, California could avoid 55 million tons of CO2 between 2009 and 2020, which is the equivalent of taking 10 million cars off the road. This would save 5.5 billion gallons of gasoline and save Californians $ 40 billion dollars in car-related expenses. Additionally, the California Air Resources Board has recommended the adoption of pay as you drive as one of the means to meet future climate change gas reduction targets. "

Hard to ignore potential emissions reductions like these numbers.

b> But the research shows:

The research shows that pay-as-you-drive insurance may not get at the true exposure to auto insurance claims for each insured. For liability coverages, age / gender combination, along with insurance score and geography are the largest claim level predictors. For property damage coverage, the model of the car takes over as the number on predictor (the others then follow). This information is from a research paper The Relationship of Credit-Based Insurance Scores to Private Passenger Automobile Insurance Loss Propensity, Michael Miller, FCAS and Richard Smith, FCAS, Epic Actuaries, June 2003.

Pros / Cons of Pay-As-You-Drive:
Pros:

  • Exposure for insurance tied to miles driven – easy to understand by drivers
  • The amount you pay for insurance would be directly controlled by the driver, rather than on factors such as sex, age, martial status, etc. that the driver has no control over.
  • The current proposal is for an optional credit, giving low mileage drivers a choice.
  • Reduced emissions

Cons:

  • The amount a driver pays should be as closely tied to his / her exposure to loss as possible, to avoid cross-subsidies and comply with Actuarial Standards and Principles.
  • Tracking mileage is difficult and some methods proposed inspire fear of lack of privacy in some consumers and consumer watchdog groups.

My opinion is that there are better, less complicated ways to refine the rating plan options when it comes to annual mileage, and still emissions lower emissions and "green" policies. One obvious one is to simply increase the number of mileage bands in the current plans and offer "green" discounts (and debits) based on the type of vehicle covered. Discounts for Prius's, debits for Hummers.



Source by Kimberley Ward

Virtual Operator Answering Services Streamline Your Switchboard

You're starting a business. But you do not have as much in your budget to spend as your corporate counterparts. So what can you do to streamline your expenses? One way to save money is by using a virtual operator answering service. With a little affordable outside support, you can negate the cost of a full-time receptionist, and you'll still offer excellent customer service.

When you're in the beginning stages of a business, you want to make decisions carefully. And there's no safer decision than outsourcing your calls to a well-recommended vendor. You'll get a network of professional people to answer your calls, and they're guaranteed to always be available for your business. Agents assist your callers through the early morning hours, during peak periods, and at night. They'll answer calls just as a full time receptionist would: using your company name. And your service forward your calls anywhere you happen to be. You could be commuting, working at your home office, or at your physical office, and virtual operator answering services transfer calls to your smart phone, home phone, or business extension. When you're unavailable to take calls, you can have your service operators forward messages to your e-mail, pager, voice-mail, or fax.

Every startup company wants to expand their customer and client outreach. Virtual operator answering services can make it easy for you to increase clientele in an organized way. If you sell products, your virtual services provider can be your shopper helpline! Your customers can call your toll-free number, and a live operator will help them place their order. Virtual agents can also answer questions about your products, offer discounts, or add customers to your mailing list. If you primarily provide services to clients, you can have virtual operator answering service book client consultations. Virtual agents access your calendar in real-time, and input the place, time, and date of your consultation. And if your clients call back to receive directions or verify the time of the appointment, operators look up and provide that information.

Starting out as an entrepreneur is exciting. But it's also stressful balancing your budget. So why not get affordable customer support? Virtual operator answering services can streamline your business, and even help you turn a profit. With all of these benefits, why should you wait? Call a virtual operator answering service to start service today!



Source by Rob Porter

Definitions Of The Most Common Medicare Terms

There are a number of Medicare terms that everyone should know if they are policy holders or are about to be. We have listed the more common ones below.

Appeal – a formal complaint that an individual files if certain drugs and services are not covered by their particular Medicare plan when they feel that they should be.

Co-pay – the portion of any medical services and / or prescription medications that you are responsible for paying.

Deductible – the amount of money that must be paid by the insured for medical care before Medicare covers any such expenses.

Doug dungeon hole – the coverage gap found in some Medicare drug plans (scheduled to close in 2020).

Dual eligibility – refers to being eligible for both Medicaid and Medicare.

Enrollment period – the limited time period that an individual can enroll in a health care plan or switch to a different one.

Grievance – a formal complaint made to Medicare when your health care plan or the person administrating medical treatment to you has treated you improperly or poorly.

Home health care – short-term care provided while you are recovering at home from an illness or injury. Occasional part-time skilled care as well as some medical equipment, services, and supplies are included in a home health care plan.

Hospice care – care administrated to those individuals with a terminal illness or medical condition (covered in Part A). Counseling and physical care are included.

Long-term care – Medicare does not cover ungoing health or personal care that an assisted living facility or a nursing home would provide.

Medicaid – federal and state programs that are separate from Medicare. This assists those individuals with limited assets and low incomes to pay for their medical expenses.

Medicare Advantage – alternative health care for Parts A and B that are provided by a private insurance carrier.

Medicare Part A – pays for hospitice care, hospital stays, and some home health care.

Medicare Part B – pays for lab tests, medical equipment, physician visits, and some medical services.

Medicare Part D – coverage that is provided for some brand name and generic medicines.

Medigap – private insurance that covers the gaps in Part A and Part B coverage. It is also sometimes referred to as Medicare Supplemental Insurance.

Out-of-pocket expenses – those expenses that you are responsible for and are not covered by Medicare insurance.

Premiums – payments for health care coverage that is usually made on a monthly basis.

Skilled nursing care – medical care provided by licensed LPN's (Licensed Practical Nurses) or RN's (Registered Nurses).

For more information, the entire Medicare glossary is available online at the US Government Site for Medicare.



Source by B. Loughead