Each year when our renewal notices can come through the publish for our residence contents insurance coverage and/or home buildings insurance coverage, most of us automatically indication the sort and send it back again to your insurance policy firm after all, we currently know how much the premiums are going to generally be. Massive fiscal mistake, and here are 4 motives why:
Did You Buy Anything New Inside Previous Calendar Year?
If you purchased nearly anything new inside the last calendar year, say a brand new television set or video recorder, then the benefit of this new invest in won’t be included inside renewal discover you just sent off on the insurance coverage firm. Likewise, in case you bought whatever of worth more than the very last calendar year, and have not informed the insurance plan organization, then you happen to be having to pay house contents insurance plan for something you now not personal. Both way, your not spending the best level of insurance coverage premiums.
If you may have residence contents insurance coverage then you will be insuring your own house for the replacement expense of shopping for the identical factor new. For the other hand, part of the house buildings insurance ought to go over the price of labour and resources. Now ask oneself, would the price of changing the picture hanging in your dwelling home be exactly the same today as it was final yr? When the solution is always that it would value you additional, tough luck, you ll only get paid out everything you mentioned the price of replacing it can be! Precisely the same is usually mentioned of the friendly builder, would he charge you the identical for an hour of his time and for his components right now as he would have completed last 12 months? In the event the solution right here is not any, then you should be expecting to spend him the distinction.
Did The Value Of One’s Household Continue To Be The Identical?
Related on the above, using your property buildings insurance plan you wish to get asking by yourself no matter whether or not the value of one’s home stayed exactly the same this 12 months since it was very last yr? You wish to become asking by yourself this problem even if you didn t do any operate to the residence which include developing an extension that will naturally automatically add worth with your home.
Is Your Home Any Safer Nowadays?
Here the question is, have you ever done nearly anything with your house in excess of the last season that might suggest your property can be thought of safer these days than previous calendar year? For instance, did you add any deadlocks for your doors or windows? If so, then there s an extremely good possibility your home contents insurance high quality will be diminished, as the basic safety within your home is actually a major consideration in assessing your high quality (together aided by the crime charge in your own neighbourhood, so you could also would like to examine and see if this has gone up or down also).
Take into account that time stands however for no guy. As this kind of, you should go through your house contents insurance plan and/or residence buildings insurance coverage renewal notices extremely very carefully to generate sure which they reflect, as accurately as you can, your living these days and not your everyday living of yester-12 months.
About the Author: Walker is a former journalist and freelance writer of 18 years, a husband and father of two children, and lives on California where he leads a very simple life.With regard to the actual greatest insurance broker visit
Wikinews interviewed author Marc Headley about his new book Blown for Good, and asked him about life inside the international headquarters of Scientology known as “Gold Base“, located in Gilman Hot Springs near Hemet, California. Headley joined the organization at age seven when his mother became a member, and worked at Scientology’s international management headquarters for several years before leaving in 2005.
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In an analysis published on Friday in Science, scientists announced data collected from the Curiosity Rover show that Mars’s Gale Crater was once a chemically stratified lake, meaning the aquatic environment differed markedly between deep and shallow water. According to the report, “all of the physical, chemical, and energetic conditions necessary to establish a habitable environment were present on Mars between ~3.8 billion and 3.1 billion years ago.”
Analysis shows the chemical index of alteration fluctuated over time in a way that suggested the lake varied between hot, wet periods and colder, drier periods. The shallow water would have been rich in oxidants brought in from the atmosphere and groundwater, and the deeper water would have been oxidant poor. Phosphates, carbon, nitrogen, iron and sulfur, indicating chemistry suitable for life, have also been found there in a variety of compounds.
Lead author Joel Hurowitz of Stony Brook University explained, “These were very different, co-existing environments in the same lake[…] This type of oxidant stratification is a common feature of lakes on Earth, and now we’ve found it on Mars. The diversity of environments in this Martian lake would have provided multiple opportunities for different types of microbes to survive.”
The scientists also evaluated the fineness of the sediment, meaning the sizes of individual particles of dirt, dust and sand. Curiosity found larger grains near the edges of the lake where sediments from incoming rivers and streams would have fed it, and smaller ones in what would have been the deep lakebed, which is consistent with particles dropping out of the water as the current slows down. “We could tell something was going on,” Hurowitz said in a statement. “What was causing iron minerals to be one flavor in one part of the lake and another flavor in another part of the lake? We had an ‘Aha!’ moment when we realized that the mineral information and the bedding-thickness information mapped perfectly onto each other in a way you would expect from a stratified lake with a chemical boundary between shallow water and deeper water.”
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The two major party presidential candidates in the US, DemocratBarack Obama and RepublicanJohn McCain, faced each other yesterday in the first TV debate. Despite that McCain had asked to postpone the debate, both were present at the University of Mississippi. The debate, which was moderated by PBS‘ Jim Lehrer, was planned to be focused on foreign policy, however due to concerns about the US financial crisis, the debate began focused on economy.
McCain repeatedly referred to his experience, drawing on stories from the past. Often, he joked of his age and at one point seemed to mock his opponent. Obama spoke of mistakes and repeatedly laid out detailed plans.
The debate was widely seen as a draw. A CBS poll conducted after the debate on independent voters found that 38% felt it was a draw, 40% felt Obama had won, and 22% thought that McCain had won. Voters and analysts agreed that Obama had won on the economy, but that McCain had done better on foreign policy issues, which were the focus of the debate. However, Obama had a more substantial lead on the economy than McCain did on foreign policy.
The McCain campaign faced some ridicule prior to the debate, after airing an internet ad declaring McCain had won the debate hours before it had started.
1 Financial & bailout plans
2 Fundamental differences
3 Post-financial crisis plans
4 Lessons of Iraq
5 Troops in Afghanistan
8 Relationship with Russia
9 Alternative energy
10 Likelihood of another 9/11
The candidates were asked where they stood on the country’s financial plans.
Obama put forward four proposals for helping the economy. First, to “make sure that we’ve got oversight over this whole [bailout] process”. Second, to “make sure that taxpayers, when they are putting their money at risk, have the possibility of getting that money back and gains”. Third, to “make sure that none of that money is going to pad CEO bank accounts or to promote golden parachutes”. And lastly, “make sure that we’re helping homeowners, because the root problem here has to do with the foreclosures that are taking place all across the country”.
He then went on to say, “we also have to recognize that this is a final verdict on eight years of failed economic policies promoted by George Bush, supported by Senator McCain, a theory that basically says that we can shred regulations and consumer protections and give more and more to the most, and somehow prosperity will trickle down”.Lehrer then turned to McCain, giving him two minutes as well.
McCain, on the other hand, stressed the urgency of the crisis and the partisanship present in Washington before going on. “This package has transparency in it. It has to have accountability and oversight. It has to have options for loans to failing businesses, rather than the government taking over those loans. We have to — it has to have a package with a number of other essential elements to it,” he told viewers, pausing to briefly mention energy and jobs before Lehrer stopped him.
Lehrer asked the two to come back to his question and urging them to speak to each other, first turning to Senator Obama.
“We haven’t seen the language yet,” Obama began, speaking to Lehrer and not McCain. “And I do think that there’s constructive work being done out there”, he said, before noting he was optimistic a plan would come together. “The question, I think, that we have to ask ourselves is, how did we get into this situation in the first place?”
He continued, stressing his foresight on the issues two years ago, before Lehrer turned to McCain, asking if he planned to vote for the bailout plan.
McCain stammered that he hoped so. Lehrer asked again, and McCain replied, “Sure. But — but let me — let me point out, I also warned about Fannie Mae and Freddie Mac and warned about corporate greed and excess, and CEO pay, and all that. A lot of us saw this train wreck coming.”
McCain then continued, giving a story about former US President Dwight Eisenhower, who “on the night before the Normandy invasion, went into his room, and he wrote out two letter”. Eisenhower, he said, had taken accountability for his actions.
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“As president of the United States, people are going to be held accountable in my administration. And I promise you that that will happen.”
Obama then agreed with McCain, adding that more accountability was needed but not just when there’s a panic. “There are folks out there who’ve been struggling before this crisis took place,” Obama continued, “and that’s why it’s so important, as we solve this short-term problem, that we look at some of the underlying issues that have led to wages and incomes for ordinary Americans to go down, the — a health care system that is broken, energy policies that are not working, because, you know, 10 days ago, John said that the fundamentals of the economy are sound”.
Obama was asked to say it to McCain. Obama replied, “I do not think that they are”. Lehrer asked him to say it more directly to McCain, and Obama laughed, repeating himself to McCain.
McCain joked about his age, saying, “Are you afraid I couldn’t hear him?”
Obama said that he and McCain disagreed fundamentally and that he wanted accountability “not just when there’s a crisis for folks who have power and influence and can hire lobbyists, but for the nurse, the teacher, the police officer, who, frankly, at the end of each month, they’ve got a little financial crisis going on. They’re having to take out extra debt just to make their mortgage payments”. Tax policies, he said, were a good example.
McCain disagreed. “No, I — look, we’ve got to fix the system. We’ve got fundamental problems in the system. And Main Street is paying a penalty for the excesses and greed in Washington, D.C., and on Wall Street. So there’s no doubt that we have a long way to go. And, obviously, stricter interpretation and consolidation of the various regulatory agencies that weren’t doing their job, that has brought on this crisis”.
Lehrer went on to the next question, asking if there were fundamental differences between the approaches of the two.
McCain began by saying he wanted to lower “completely out of control” spending. He promised as president to “veto every single spending bill” He then attacked Senator Obama’s use of earmarks, citing it as a fundamental difference.
Senator Obama agreed that earmarks were being abused, but not that it was a large problem. “Earmarks account for $18 billion in last year’s budget. Senator McCain is proposing — and this is a fundamental difference between us — $300 billion in tax cuts to some of the wealthiest corporations and individuals in the country, $300 billion. Now, $18 billion is important; $300 billion is really important.” He then attacked McCain’s tax plans, saying, “you would have CEOs of Fortune 500 companies getting an average of $700,000 in reduced taxes, while leaving 100 million Americans out”.
He then stressed his focus on the middle class, saying, “We’ve got to grow the economy from the bottom up. What I’ve called for is a tax cut for 95 percent of working families, 95 percent”.
McCain was called on.
“Now, Senator Obama didn’t mention that, along with his tax cuts, he is also proposing some $800 billion in new spending on new programs,” McCain said, attacking his opponent. He also said that Obama had only suspended pork barrel spending after he started running for president.
“What I do is I close corporate loopholes,” Obama objected, “stop providing tax cuts to corporations that are shipping jobs overseas so that we’re giving tax breaks to companies that are investing here in the United States. I make sure that we have a health care system that allows for everyone to have basic coverage”.
He then turned to McCain, asking him to look at his tax policies, which he said were ignoring the middle class and a continuation of Bush policies.
Lehrer asked McCain to respond directly to Obama’s attack on his tax policies.
“Well — well, let me give you an example of what Senator Obama finds objectionable, the business tax,” McCain began. He then explained the reasoning behind his business tax cuts, saying that companies would want to start in countries where they would pay less taxes. “I want to cut that business tax. I want to cut it so that businesses will remain in — in the United States of America and create jobs”.
Obama explained that his tax cuts would affect 95% of taxpayers, then replied, “Now, John mentioned the fact that business taxes on paper are high in this country, and he’s absolutely right. Here’s the problem: There are so many loopholes that have been written into the tax code, oftentimes with support of Senator McCain, that we actually see our businesses pay effectively one of the lowest tax rates in the world”.
McCain, he said, opposed closing loopholes but just wanted to add more tax breaks on top of that.
This was a clear victory for Barack Obama on John McCain’s home turf. Senator McCain offered nothing but more of the same failed Bush policies, and Barack Obama made a forceful case for change in our economy and our foreign policy.
He went on, attacking McCain’s health credit idea, saying that McCain wanted to tax health credits. “Your employer now has to pay taxes on the health care that you’re getting from your employer. And if you end up losing your health care from your employer, you’ve got to go out on the open market and try to buy it”.
McCain responded with an example of Obama voting for tax breaks of oil companies.
Obama cut in, “John, you want to give oil companies another $4 billion”, he pointed out.
McCain shot back, attacking Obama’s earmark spending and tax policies. “Who’s the person who has believed that the best thing for America is — is to have a tax system that is fundamentally fair?”, he said, referring to himself. “And I’ve fought to simplify it, and I have proposals to simplify it”.
He then accused Obama of voting “to increase taxes on people who make as low as $42,000 a year”. Obama repeated several times that McCain’s accusations were untrue.
McCain then accused him of giving tax cuts to oil companies, which Obama once again said was untrue. “The fact of the matter is, is that I was opposed to those tax breaks, tried to strip them out,”he said. “We’ve got an emergency bill on the Senate floor right now that contains some good stuff, some stuff you want, including drilling off-shore, but you’re opposed to it because it would strip away those tax breaks that have gone to oil companies.”
Lehrer then broke in, stopping the argument. He switched to a new question, asking what priorities and goals for the country the candidates would give up as a result of the financial crisis.
He allowed Obama to answer the question first, who said many things would have to be delayed but not forgotten. He then began to list what he felt the country had to have to continue to compete.
“We have to have energy independence,” he said, “so I’ve put forward a plan to make sure that, in 10 years’ time, we have freed ourselves from dependence on Middle Eastern oil by increasing production at home, but most importantly by starting to invest in alternative energy, solar, wind, biodiesel”.
He continued, saying that the health care system had to be fixed because it was bankrupting families.
“We’ve got to make sure that we’re competing in education,” he continued. “We’ve got to make sure that our children are keeping pace in math and in science.” He also mentioned making sure college was still affordable.
He also stressed making sure the country was still stable structurally, “to make sure that we can compete in this global economy”.
Lehrer then turned to McCain, asking him to present his ideas.
“Look, we, no matter what, we’ve got to cut spending”, McCain began and reminded the audience that he “saved the taxpayers $6.8 billion by fighting a contract that was negotiated between Boeing and DOD that was completely wrong”.
Lehrer broke in, asking if it was correct that neither of them had any major changes to implement after the financial crisis.
Obama replied that many things would have to be delayed and put aside, and that investments had to be made. He then agreed with McCain that cuts had to be made. “We right now give $15 billion every year as subsidies to private insurers under the Medicare system. Doesn’t work any better through the private insurers. They just skim off $15 billion. That was a give away and part of the reason is because lobbyists are able to shape how Medicare work”.
McCain then made a suggestion. “How about a spending freeze on everything but defense, veteran affairs and entitlement programs”. Lehrer repeated “spending freeze?” and McCain went on, “I think we ought to seriously consider with the exceptions the caring of veterans, national defense and several other vital issues”.
Obama disagreed with McCain’s idea, saying it was “using a hatchet”. Some vital programs, he said, were seriously underfunded. “I went to increase early childhood education and the notion that we should freeze that when there may be, for example, this Medicare subsidy doesn’t make sense”.
The two candidates began to argue more directly.
“We have to have,” McCain argued, “wind, tide, solar, natural gas, flex fuel cars and all that but we also have to have offshore drilling and we also have to have nuclear power”.
He accused Obama of opposing storing nuclear fuel.
Lehrer interrupted the two with another question, asking how the financial crisis would affect how they ran the country.
Obama replied first. “There’s no doubt it will affect our budgets. There is no doubt about it”. He went on to stress that it was a critical time and the country’s long term priorities had to be sorted out.
There was one man who was presidential tonight, that man was John McCain. There was another who was political, that was Barack Obama. John McCain won this debate and controlled the dialogue throughout, whether it was the economy, taxes, spending, Iraq or Iran.
McCain replied by criticizing Obama’s health care plans. “I want the families to make decisions between themselves and their doctors. Not the federal government,” he said, then called for lower spending.
He went on to speak about the national debt and stressing the importance of low taxes.
Obama went on the offensive, attacking McCain’s record of voting. “John, it’s been your president who you said you agreed with 90 percent of the time who presided over this increase in spending”, he said, accusing him of voting for an “orgy of spending”.
McCain countered that he had opposed Bush “on spending, on climate change, on torture of prisoner, on – on Guantanamo Bay. On a — on the way that the Iraq War was conducted”. He called himself a maverick, and referred to his running mate as a maverick as well.
Lehrer asked the two what the lessons of Iraq were.
McCain answered first, stressing that the war in Iraq was going well. “I think the lessons of Iraq are very clear,” he answered, “that you cannot have a failed strategy that will then cause you to nearly lose a conflict”.
He went on to praise the efforts in Iraq, saying the strategy was successful and the US was winning. “And we will come home with victory and with honor. And that withdrawal is the result of every counterinsurgency that succeeds”, and continued that Iraq would make a stable ally.
Lehrer asked Obama how he saw the lessons of Iraq, who began by questioning the fundamentals of the war and whether the US should have gone in the first place.
“We took our eye off [bin Laden]. And not to mention that we are still spending $10 billion a month, when they have a $79 billion surplus, at a time when we are in great distress here at home, and we just talked about the fact that our budget is way overstretched and we are borrowing money from overseas to try to finance just some of the basic functions of our government”.
The lesson, he said, was to “never hesitate to use military force”, but to use it wisely.
McCain was asked if he agreed on the lesson, though he did not comment on a lesson learned. Obama, he said, had been wrong about the surge.
The two opponents then began arguing, as Lehrman tried to mediate them.
McCain felt it was remarkable that “Senator Obama is the chairperson of a committee that oversights NATO that’s in Afghanistan. To this day, he has never had a hearing”.
“The issues of Afghanistan,” Obama responded, “the issues of Iraq, critical issues like that, don’t go through my subcommittee because they’re done as a committee as a whole”.
He then began to attack McCain’s optimism. “You said that we were going to be greeted as liberators. You were wrong. You said that there was no history of violence between Shiite and Sunni. And you were wrong”.
McCain responded to the criticism by telling a story of when he spoke to troops who were re-enlisting. “And you know what they said to us? They said, let us win. They said, let us win. We don’t want our kids coming back here. And this strategy, and this general, they are winning. Senator Obama refuses to acknowledge that we are winning in Iraq”.
McCain repeatedly accused Obama of opposing funding to troops.
Obama responded by speaking to Lehrer, to explain why he had voted against funding troops. “Senator McCain opposed funding for troops in legislation that had a timetable, because he didn’t believe in a timetable. I opposed funding a mission that had no timetable, and was open- ended, giving a blank check to George Bush. We had a difference on the timetable”.
“Admiral Mullen suggests that Senator Obama’s plan is dangerous for America,” McCain cut in once Obama had finished.
Obama said it was not the case, that the wording was “a precipitous withdrawal would be dangerous”.
McCain then argued that Iraq, and not Afghanistan, was the central battle ground against terrorism. He also attacked Obama’s surprise that the surge had worked.
Lehrer switched to a new question. “Do you think more troops — more U.S. troops should be sent to Afghanistan, how many, and when?”
Obama mentioned he had been saying more troops in Afghanistan were needed for over a year. He argued that no Al-Qaeda were present in Iraq before the invasion, and the people there had nothing to do with 9/11.
He then went on to list a three part plan beginning with pressuring the Afghani government to work for it’s people and control it’s poppy trade. He also pressed the need to stop giving money to Pakistan.
To be frank, I’m surprised McCain didn’t play the POW card more tonight, consider how frequently he and his campaign have used it earlier in the campaign.
McCain responded by saying Iraq had to be stabilized and that he would not make the mistake of leaving Iraq the way it is.
“If you’re going to aim a gun at somebody,” he said, “you’d better be prepared to pull the trigger”.
Obama responded by arguing that if the Pakistani government would not take care of terrorists in it’s borders, action had to be taken. He then commented on past US policies with Pakistan, saying that the US support of Musharraf had alienated the Pakistani people.
“And as a consequence, we lost legitimacy in Pakistan. We spent $10 billion. And in the meantime, they weren’t going after al Qaeda, and they are more powerful now than at any time since we began the war in Afghanistan. That’s going to change when I’m president of the United States”, he finished.
McCain quickly replied that Pakistan was a failed state at the time. He then went on to talk about his voting record. “I have a record of being involved in these national security issues, which involve the highest responsibility and the toughest decisions that any president can make, and that is to send our young men and women into harm’s way”.
Obama argued that Afghanistan could not be muddled through, and that problems were being caused by not focusing on Al-Qaeda. As he finished, Lehrer attempted to announce a new question, but McCain quickly attacked Obama, saying his plans would have a “calamitous effect” on national security and the region.
Lehrer directed his next question towards McCain, asking about his thoughts on Iran and it’s threat to the US.
McCain’s reading of the threat in Iran was “if Iran acquires nuclear weapons, it is an existential threat to the State of Israel and to other countries in the region”. He stressed the need to avoid another Holocaust, and the need for a league of democracies
Anybody hearing a snicker from McCain while Obama is talking?
to battle Iran. “I am convinced that together, we can, with the French, with the British, with the Germans and other countries, democracies around the world, we can affect Iranian behavior”.
Obama went next, focusing on the Iraq war’s effect on Iran. Iraq, he said, was Iran’s “mortal enemy” and had kept Iran from becoming a threat. “That was cleared away. And what we’ve seen over the last several years is Iran’s influence grow. They have funded Hezbollah, they have funded Hamas, they have gone from zero centrifuges to 4,000 centrifuges to develop a nuclear weapon”.
He then went on to say that refusing to use diplomacy with hostile nations has only made matters worse and isolated the US.
Lehrer turned to McCain, asking him how he felt about diplomacy as a solution.
McCain hurried through his response, attacking Obama on his willingness to meet with hostile leaders without preconditions. People like Ahmadinejad, he said, would have their ideas legitimized if a President met with them.
Obama responded by pointing out that Ahmadinejad was only a minor leader. Meeting leaders without preconditions, he said, “doesn’t mean that you invite them over for tea one day”. He then turned to attacking McCain, who he said “would not meet potentially with the prime minister of Spain, because he — you know, he wasn’t sure whether they were aligned with us. I mean, Spain? Spain is a NATO ally”.
McCain retorted that he was not yet President so it would be out of place. The two then began to argue over the comments of Dr. Kissinger’s stance on meeting foreign leaders.
McCain argued that meeting with and legitimizing ideas was dangerous and naive, and said it was a fundamental difference of opinion.
Obama accused McCain of misrepresentation, stressing that he would not speak without low level talks and preparations.
McCain responded by mocking Obama. “So let me get this right. We sit down with Ahmadinejad, and he says, ‘We’re going to wipe Israel off the face of the Earth,’ and we say, ‘No, you’re not’? Oh, please”.
The two started arguing among each other, as Lehrer attempted to interject, finally succeeding with a new question. He turned to Obama, asking how he saw the relationship with Russia and it’s potential.
Obama began spelling out his opinion, stating that he felt the US approach to Russia had to be evaluated. He then continued that the US has to press for a unified alliance and for Russia to remove itself from other nations, adding that the US had to “explain to the Russians that you cannot be a 21st-century superpower, or power, and act like a 20th-century dictatorship”.
He went on, stressing the importance of diplomacy and affirming relationships, and inviting Russian-influenced countries into NATO. “Now, we also can’t return to a Cold War posture with respect to Russia. It’s important that we recognize there are going to be some areas of common interest. One is nuclear proliferation”.
McCain responded by attacking Obama’s reaction to the Russian-Georgian conflict, criticizing his initial comment that both sides should show restraint, calling it naive. “He doesn’t understand that Russia committed serious aggression against Georgia. And Russia has now become a nation fueled by petro-dollars that is basically a KGB apparatchik-run government”.
Lehrer asked Obama if there were any major differences between the two’s opinion on Russia, who answered that he and McCain had similar opinions on Russia. He then stressed foresight in dealing with Russia, as well as reducing dependence on foreign oil through alternative energy.
“Over 26 years, Senator McCain voted 23 times against alternative energy, like solar, and wind, and biodiesel,” he mentioned.
The two began to argue over alternative energy. As Lehrer began announcing the next question, McCain interjected. “No one from Arizona is against solar. And Senator Obama says he’s for nuclear, but he’s against reprocessing and he’s against storing So,” he continued, as Obama objected, “it’s hard to get there from here. And off-shore drilling is also something that is very important and it is a bridge”.
McCain continued, as Obama interrupted to correct him, saying that he had voted for storing nuclear waste safely.
The two began interrupting each other, each trying to get a word in, before Lehrer stopped them and moved on.
“What do you think the likelihood is that there would be another 9/11-type attack on the continental United States?” asked Lehrer.
McCain said that America was far safer since 9/11, which he claimed a hand in. He went on to stress better intelligence and technology in keeping America safe, but that he felt the US was far safer.
Lehrer then turned to Obama.
Obama disagreed slightly, saying America was safer in some ways, but “we still have a long way to go”. He also felt that the US was not focusing enough on Al-Qaeda and fighting in Iraq was not making the US safer.
McCain accused Senator Obama of not understanding that “if we fail in Iraq, it encourages al Qaeda. They would establish a base in Iraq”.
Lehrer asked if Obama agreed.
Obama argued that the sole focus was currently Iraq, but that “in the meantime, bin Laden is still out there. He is not captured. He is not killed”. He noted that $10 billion was spent in Iraq every month, instead of going to healthcare. He argued that veterans were not getting the benefits they deserved, and that the next president’s strategies had to be broader.
McCain responded by attacking Obama saying he didn’t think Obama had the knowledge or experience to be President.
Obama then said that the job of the next President would be to repair America’s image and economy.
McCain concluded by citing his POW experience. “Jim, when I came home from prison, I saw our veterans being very badly treated, and it made me sad. And I embarked on an effort to resolve the POW-MIA issue, which we did in a bipartisan fashion, and then I worked on normalization of relations between our two countries so that our veterans could come all the way home”.
“And that ends this debate tonight,” finished Jim Lehrer.
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A solar pool heater enables you and your family to enjoy your swimming pool or outdoor spa for a greater part of the year. Into spring and autumn. And into cooler mornings and evenings. When others are shivering!
There are four ways to heat your pool
Gas, usually a propane heater Using a pool cover Solar pool heater
The solar solution is best. It’s cheap to run and you don’t contribute to greenhouse gas emissions. A guilt-free time in your comfortably warm pool or outdoor spa! Why not.
A commercial pool heater can cost you up to $2000. But you can build your own at a small fraction of that cost.
Just look around on the web for guides that give you clear instructions of how to build your system. There are several.
Be sure to look for these essential elements at least, in any guide you buy:
A clear list of materials with step-by-step instructions
Materials should be easy to source locally and be inexpensive No requirements for complicated engineering, electrical skills or welding Clear diagrams Some troubleshooting suggestions
How do solar pool heaters work?
They run on a passive solar principle.
Simply, pool water runs through long lengths of flexible tubing. These are suspended in front of reflectors to receive and transmit the sun’s warmth to the water in the tubing. The tubing should be protected, say with with polythene sheeting, from any wind chill.
The reflectors can be made out of halved storm water piping, sprayed with chrome paint to maximise their reflective powers. To circulate this warmed water through your pool or spa you will need a small pond pump or solar electric pump. The latter is more expensive, but obviously you will help the environment and your wallet by spending a little more to start with.
One guide suggests that minimum pump specifications should be that it delivers 10 litres per minute (120 gals/hour) and is capable of raising water to 1.6m (5’2′).
All components, containing tubing, reflectors and cover, are assembled into a solar panel. Its ideal size depends on optimum dimensions for ease of handling, structural integrity and heating efficiency. Of course more than one panel can be used. A spa would not need a large panel. But then again… some like it hot!
In general, a panel measuring 3.4m (11′ 4′) by 1.4m (4′ 8′) is effective on pools up to 30,000 litres (6000 gal).
Panels should be placed in such a way to maximise receipt of the sun’s rays. It’s best to have them face the sun’s mid day position. Place them vertically on a fence or horizontally on your roof.
To make the best of your solar pool heater, it makes sense to use it with a solar blanket. But this is not normally required to benefit from your now upgraded asset – your pool or spa.
Give it a go! Your family will thank you for it.
About the Author: Dr Erik Leipoldt has long been concerned about global warming and what anyone can do about it. Many individual”> different actions can be taken in ameliorating climate change.
Britain’s Ministry of Defence (MoD) has admitted sixteen instances of sensitive information being leaked on social networking websites in the past eighteen months. Ten employees have been disciplined for misuse of the sites. The revelations follow a Freedom of Information request by Lewis PR and computer security company F-Secure.
The MoD would not comment on what disciplinary action was taken, or whether the leaks involved operational information. The ministry’s guidelines state that staff must obtain clearance to release any information that is related to sensitive, controversial or political matters, or military operations.
“It’s worrying that employees in sensitive positions have been sharing confidential information via Twitter and other means,” said Mikko Hypponen, of F-Secure. “Loose Tweets can cost lives.”
According to Lewis PR, computers on the main MoD networks are blocked from visiting social networking sites. However there are a small number within the department which have unrestricted Internet access. Some personnel in Afghanistan and Iraq also have access through internet cafés on military bases.
The ministry’s “online engagement guidelines”, released in August last year, recognise the importance of social media such as Facebook for personnel keeping in touch with friends and family. According to the document: “Service and MOD civilian personnel are encouraged to talk about what they do, but within certain limits to protect security, reputation and privacy.”
Retrieved from “https://en.wikinews.org/w/index.php?title=British_military_secrets_leaked_on_social_networking_sites&oldid=950357”
Penny Lucas is running for the Progressive Conservative in the Ontario provincial election, in the Kenora-Rainy River riding. Wikinews’ Nick Moreau interviewed regarding her values, her experience, and her campaign.
Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.
Retrieved from “https://en.wikinews.org/w/index.php?title=Ontario_Votes_2007:_Interview_with_Progressive_Conservative_candidate_Penny_Lucas,_Kenora—Rainy_River&oldid=521775”
It is hard for many people to admit, but sometimes getting divorced is the only way to live a happy and healthy life. When thinking about a divorce, there are several other items that are factors in this big decision. Before filing, take the time to look into what the divorce process involves and what changes it will cause in your life. In this article, we want to answer your questions about divorce and some of the negative impacts it may create.
What is an uncontested divorce? An uncontested divorce is generally a divorce that the two parties agree on. They work out the specifics of their assets and split them up according to mutual agreements outside of court. With an uncontested divorce, there is no alimony, child support, or custody issues. Once a couple has decided to have an uncontested divorce, they need to put their agreement in writing and present it to their local courthouse. If the court deems that the agreement is fair for both parties, they grant the couple a divorce. An uncontested divorce is also quicker and the couple does not need to wait as long until it becomes final. How do I go about filing for a divorce? To file for divorce without your spouse knowing, simply go to the courthouse and fill out the appropriate paperwork. The best way to make sure that you do everything the right way is to hire a lawyer to file your papers. If you’re unsure about how your spouse will react, a lawyer will help you get the entire process taken care of, and your spouse will have no knowledge of it until the papers are served. If your spouse gets angry easily, this could be the best thing to do because it allows you to be away from home when the papers get served, preventing any confrontation. I’ve heard of common-law marriages. Is there such a thing as common-law divorce? No, there is not such a thing as common law divorce. You cannot be granted a divorce simply by living apart from your spouse for an extended period of time. Most states required, at the very least, a written agreement submitted to the court that states your intention to divorce each other or of your intent to separate from each other. In most states, common law marriage is a recognized form of marriage. This is not so with divorce, though. If you both agree to a divorce, contact a lawyer or your county courthouse to find out the very least you need to do to be granted a divorce. It is only a few weeks before my divorce will become final. Would it be illegal for my spouse to marry again before it has become officially complete? Legally, yes it is. Being married to more than one person at once is against the law. You cannot marry another person until your divorce is absolutely final, as this would break state bigamy laws. But this is just a formality. Many states would not regard the second marriage as purposefully breaking the law. If your spouse gets married before the final divorce hearing, you could try to get them in trouble for committing bigamy, but most likely nothing would come of it because neither the lawyers nor the court system actively pursues these cases. I have just filed for divorce. How long will it be before it is final? If you have filed for an uncontested divorce, the entire ordeal can be over in a matter of a few weeks. If you have a disputable divorce, on the other had, it could be quite awhile before the divorce is officially final. If you have children together, some states require a waiting period before actually filing the divorce papers. The court’s schedule also plays a major role in how long the divorce will take. If they have many cases to go through, you may be waiting awhile. If you talk to the court clerk, they might be able to give you an idea about how long it will be. Your divorce attorney will also have more information to give you a better idea.
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