Thursday, August 2, 2012

Be prepared for heavy rain and flooding | Landlord Insurance Cover

The UK has been hit by extremely torrential rain just recently so if you live in an area that is at risk from flooding do make sure you buy flood insurance from a reputable online broker such as http://www.thepropertyinsurer.co.uk/flood_insurance . News articles suggest that:-

  • valuable items should be moved upstairs
  • rugs rolled up
  • curtains taken down
  • sandbags placed outside exterior doors

If heavy rain is predicted it?s also a good idea to have contact numbers for utility companies at hand in a waterproof folder.

If your home has already been affected by flooding, contact your insurance company straight away to start the claims process, there are usually emergency contact centres that are manned twenty four hours a day. Remember to keep any damaged items as your insurer will want to see if they can be restored or repaired, rather than being replaced.

What happens if I don?t have flood insurance?

For those unfortunate people who don?t have the correct flood insurance in place, in the event of personal belongings being damaged by flood water means they have to pay for repairs or replacements out of their own pockets. This could run into many thousands of pounds so if you aren?t well prepared you may even have to sell your property to recoup the money you have lost.

It?s easy to see why having flood insurance is a sensible move especially if you live in a flood risk area. Online brokers are definitely the best people to get in touch with, they can provide a quotation so you can see just how much it will cost you plus there?s always a friendly adviser at the end of the phone who can answer any queries you may have.

Check the news for flood warnings

If the area you live in is susceptible to flooding the national news channel is the best place to check for flood warnings, keep an eye on your local newspapers too as they usually contain information regarding the weather and any flooding that may occur near your home. Having the best flood insurance protection could save you a lot of money in the long term as well as heartache especially when your personal belongings and contents of your home are being ruined by flood water.

The Environment Agency is doing everything possible to reduce the risk of flooding by creating more flood defences so this could also help householders.

Source: http://www.landlordpropertycover.co.uk/be-prepared-for-heavy-rain-and-flooding/

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Wednesday, August 1, 2012

Russian opposition leader charged amid crackdown fears

MOSCOW (Reuters) - Russian opposition leader Alexei Navalny was charged with theft on Tuesday and could face up to 10 years in jail in what Kremlin critics say is a growing crackdown on dissent by President Vladimir Putin.

Navalny, an anti-corruption blogger who organized street protests that have dented Putin's authority, dismissed the charge as absurd and other opposition leaders accused Putin of using KGB-style tactics to try to silence his critics.

The most charismatic of the protest leaders and potentially the biggest threat to Putin, Navalny also was barred from leaving the country in the latest of a series of moves against Putin's opponents since he began his six-year term as president in May.

Russia's federal Investigative Committee said Navalny, 36, had been accused of helping organize a plan to steal timber from a state firm called KirovLes, causing the government of the Kirov region to lose more than 16 million roubles ($497,000). The charges relate to 2009, when Navalny was advising the region's governor.

"This is really quite absurd and very strange," Navalny said as he left the Investigative Committee headquarters, where he was summoned to hear what he had expected to be a less severe charge over a case that was opened in 2010 but had been dormant.

"I will continue to do what I have been doing, and in this sense nothing changes for me," he said. "We believe that what is happening now is illegal. We will use the methods of legal defense at our disposal. What else can we do?"

The charges, in a country where few believe in the independence of the judiciary, signaled a toughening of the Kremlin's stance against its opponents.

"I understand that they are putting people who are troublesome for them behind bars. On one hand, I'm glad I am enough of a problem that they fear me, but it brings me no happiness to understand that they will lock me up sooner or later," Navalny told Dozhd online broadcaster in an interview.

He said he believed some decisions in politically motivated cases were being made by "Putin himself."

Putin, an ex-KGB spy, has in the last few weeks pushed through a law raising fines for protesters, tightened controls of the Internet - often used to organize protests - and imposed tougher rules on foreign-funded campaign and lobby groups.

Some protest organizers' homes have been raided and some demonstrators arrested over a rally that turned violent on May 6. However, the protest leaders have not so far faced long jail sentences, which could backfire against the Kremlin by rallying support for the opposition.

In Washington, U.S. State Department spokesman Patrick Ventrell said the United States was troubled by the charges against Navalny, those against a punk rock band, and investigations of some of the May 6 protesters.

"All of these developments raise serious concerns about the politically motivated prosecutions of the Russian opposition and pressure on those who express dissenting views," he said.

'CHEKIST METHODS'

Navalny, a lawyer, is one of the few people regarded as capable of becoming a viable leader of the fractious opposition, although critics say he has nationalist tendencies.

He gained prominence by fighting corruption at state-controlled companies and used the Internet to do so, appealing to a tech-savvy generation of urban Russians.

Before a parliamentary election in December he helped to energize a struggling opposition, popularizing a phrase referring to the ruling United Russia party, then headed by Putin, as the "party of swindlers and thieves."

He was also among the leaders of protests prompted by fraud allegations in the election on behalf of United Russia.

"This case has been fabricated from beginning to end," said Boris Nemtsov, a prominent Putin opponent. "The true reason for what is happening is Putin's mortal fear of losing power ... He is wildly afraid of the opposition, including Navalny."

In a reference to the Cheka secret police, a precursor of the Soviet KGB, Nemtsov said: "Putin is using traditional Chekist methods ... Fabricated cases, charges, arrests, jail."

Billionaire businessman Alexander Lebedev, a shareholder in Aeroflot who nominated Navalny to the board of the state-controlled Russian airline, described the case as "completely ridiculous" and likened it to tactics used against Soviet dissidents during the Cold War era.

Putin was elected president on March 4 despite the largest protests since the start of his 12-year rule, during which he has served as president for eight years and as premier for four.

At times attendance at the rallies reached more than 100,000, witnesses said, although they have become less frequent since Putin was re-elected.

Putin, 59, signed a law on Monday toughening punishment for defamation and another on Tuesday that opponents say could be used to censor the Internet. He also said on Tuesday that people have the right to protest but warned that the authorities would act swiftly if demonstrators violated the law.

"They should act within the law. If they attack the police, throw stones at them, such actions without any doubt should be stopped, and stopped in their early stages," he said at a youth camp on a lake north of Moscow, warning against riots breaking out as happened in London last year.

Putin also repeated assertions he made during his election campaign that some demonstrations were managed from abroad.

MORE DETENTIONS

Police outnumbered small groups of protesters who gathered in central Moscow on Tuesday evening to protest against what they say are severe restrictions on Russians' constitutional right to free assembly. Police said 25 people were detained.

Similar protests, held on the last day of every month that has 31 days, have led to dozens of detentions in the past.

In a case which critics say will indicate how Putin plans to treat opponents during his new term, three women from the punk band "Pussy Riot" went on trial on Monday over an unsanctioned protest performance at the altar of Russia's main cathedral, where they called on the Virgin Mary to "throw Putin out!"

After an initial session lasting nearly 12 hours, the defendants said they were being deprived of food and sleep.

"The court must create the conditions necessary for the sides to carry out their procedural responsibilities. You are violating these rights," Maria Alyokhina told the judge from the courtroom cage where the women are confined during proceedings.

"We're not sleeping, we're not eating," she said.

Alyokhina and her bandmates face up to seven years in jail over a protest they say was aimed against the close relationship between Putin and the Russian Orthodox Church.

(Reporting by Nastassia Astrasheuskaya, Thomas Grove, Megan Davies, Maria Tsvetkova and Gabriela Baczynska in Moscow and Gleb Bryanski in Seliger, Russia; Writing by Steve Gutterman; Editing by Timothy Heritage and Stacey Joyce)

Source: http://news.yahoo.com/russian-opposition-leader-charged-amid-crackdown-fears-221839495.html

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$19 unlimited data plan from Republic Wireless is back

Attention smartphone users tired of expensive plans and data caps: there is an alternative. Engadget?reports that Republic Wireless has now reopened its beta program that offers users unlimited voice and data services for just $19 per month. How does Republic get away with charging so little? Well, the company has developed a technology called Hybrid Calling that relies heavily on Wi-Fi?for primary voice service, with cellular spectrum used as backup.

The celebrate the relaunch of its beta program, Republic Wireless is also offering its users the Motorola DEFY XT smartphone that costs $249 and features Android 2.3 Gingerbread, a 3.7-inch display, a 1GHz processor and a 5-megapixel rear-facing camera. While the price tag may seem high for a comparatively low-end Android phone, keep in mind that it doesn?t require a two-year contract and money saved with the $19 monthly use charges will more than make up for the initial device investment.

Read

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Source: http://news.yahoo.com/19-unlimited-data-plan-republic-wireless-back-220523963.html

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Romney praises Polish spirit, creativity in Warsaw

Republican presidential candidate and former Massachusetts Gov. Mitt Romney stands with Mayor of Warsaw Hanna Gronkiewicz, as he visits the Tomb of the Unknown Soldier in Warsaw, Poland, Tuesday, July 31, 2012. (AP Photo/Charles Dharapak)

Republican presidential candidate and former Massachusetts Gov. Mitt Romney stands with Mayor of Warsaw Hanna Gronkiewicz, as he visits the Tomb of the Unknown Soldier in Warsaw, Poland, Tuesday, July 31, 2012. (AP Photo/Charles Dharapak)

Republican presidential candidate and former Massachusetts Gov. Mitt Romney meets Polish veterans from the Iraq and Afghanistan wars as he visits the Tomb of the Unknown Soldier in Warsaw, Poland, Tuesday, July 31, 2012. (AP Photo/Charles Dharapak)

Republican presidential candidate and former Massachusetts Gov. Mitt Romney meets with Poland's Foreign Minister Radoslaw Sikorski in Warsaw, Poland, Tuesday, July 31, 2012. (AP Photo/Charles Dharapak)

(AP) ? Republican presidential contender Mitt Romney said Tuesday that Poland's economy is a model of small government and free enterprise that other nations should emulate, an unspoken criticism of President Barack Obama's policies in the wake of the worst recession in decades.

Wrapping up an overseas trip, the former Massachusetts governor said that "rather than heeding the false promise" of a government-dominated economy, Poland sought to stimulate innovation, attract investment, expand trade and live within its means" after the Communist era.

He made his remarks as he neared the end of a week-long trip marred by his own stumbles on the world stage.

Before departing Europe to resume his campaign in the United States, Romney also laid a wreath at the tomb of the unknown soldier in Warsaw and was paying tribute to the hundreds of thousands of Poles who died in a World War II ghetto uprising against the Nazis. Both are traditional stops for dignitaries visiting Poland.

His speech seemed an attempt to link his overseas trip to the campaign at home.

He said that in his talks on Monday, one unnamed Polish leader "shared with me an economic truth that has been lost on much of the world. 'It is simple. You don't borrow what you cannot pay back,' " said Romney, who frequently criticizes Obama at home for the growth of the U.S. debt over the past four years.

"The world should pay close attention to the transformation of Poland's economy," Romney said. "A march toward economic liberty and smaller government has meant a march toward higher living standards, a strong military that defends liberty at home and abroad, and an important and growing role on the international stage."

While holding Poland up as an economic example, Romney did not mention that the nation's unemployment is measured at 12.4 percent. That is roughly half again as big as the rate of 8.2 percent in the United States.

Romney did not mention Obama by name during his speech, but he frequently accuses the president of failing to understand the importance of the private economy and favoring government solutions to the nation's problems.

Romney resumes his campaign at home with appearances Thursday in Colorado, and already, his aides were eager to turn the voters' attention back to the race against Obama.

The campaign issued an announcement from its headquarters in Boston noting that the announcement of Romney's selection of a vice presidential running mate is getting closer. It unveiled an app for smart phones that it said would "serve as the campaign's first official distribution channel" for the news.

Controversy accompanied the former Massachusetts governor in Poland as in previous stops in Britain and Israel, and comments he made earlier in the trip drew criticism from China.

Xinhua News Agency said Romney's "hawkish remarks" made in Jerusalem could worsen an already tense Mideast situation, or even re-ignite a war between Palestinians and Israelis.

Earlier this week, he declared Jerusalem to be the capital of Israel, even though U.S. policy holds that the city's designation is a matter for negotiations between the Jewish state and the Palestinians. He also sparked a charge of racism from Palestinians when he told donors that the strength of Israel's economy was due in part to the country's culture.

The Republican presidential contender has been highly critical of China throughout his campaign, promising to challenge Beijing's growing influence in East Asia and get tougher with the communist government on its human rights record.

There was some tension between reporters and Romney aides as the campaign looked to Poland as a final opportunity to project the image of a leader ready to stand on the world's stage

The two-day trip to Poland was aimed in part at building support among Polish-American and Catholic voters in the United States.

Poles generally have been skeptical of Obama's "reset" with Russia, and Romney has cited Polish concerns in his criticism of Obama. Some in Poland and the neighboring Czech Republic were upset by the Obama administration's decision to revise the Bush-era missile defense plan for Europe, which included sites in both countries.

In his speech, Romney said of Poland, "At every turn in our history, through wars and crises, through every change in the geopolitical map, we have met as friends and allies. That was true in America's revolutionary War. It was true in the dark days of World War II. And it has been true in Iraq and Afghanistan."

Romney delivered his remarks in a deeply Roman Catholic country that for years has favored Republicans over Democrats. This is partly a legacy of President Ronald Reagan, whose efforts helped bring down communism across Eastern Europe, for which Poles remain grateful.

Poland has been a stalwart U.S. ally and significant contributor to military operations in Iraq and Afghanistan.

Romney met earlier in the day with Polish Foreign Minister Radoslaw Sikorski. The two men discussed the longstanding ties between the two nations as well as the ongoing conflict in Afghanistan.

"On behalf of our countrymen, I express deep appreciation for your willingness to fight with us, to stand with us, and to be our friends in times of crisis and military conflict," Romney said.

"Poland has excellent ties with the United States, regardless of which American party is in power," Sikorski said. "We remember Ronald Reagan's warm feelings for Poland's Solidarity and also the fact that we joined (NATO) during Bill Clinton's term."

Romney also stopped to view a memorial to Pope John Paul II, who was born in Poland. He then met with President Bronislaw Komorowski.

The candidate ignored shouted questions from reporters about his comments on Israel and the Palestinians. Asked why Romney has taken just three questions from American reporters during this trip, traveling press secretary Rick Gorka said, "Shove it." He later called some journalists to apologize.

Romney's visit, campaign officials said, was at the invitation of Lech Walesa, the Polish labor leader who co-founded the Solidarity movement and served as the country's president during the country's transition out of communism.

Walesa effectively endorsed Romney when the two men met Monday.

But Solidarity, the organization Walesa helped found more than two decades ago, characterized Romney as being hostile to unions and against labor rights. It emphasized that it had no role in organizing the visit and expressed support for American labor organizations

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-07-31-Romney/id-3b5c7093839a4b97a66ae0b4fa98076f

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Steamboat Springs Parade of Homes Tour | Home on the Range

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Home / Events and Happenings, Western Style / Steamboat Springs Parade of HomesTour

I love writing posts about businesses giving back to the community; and here is another wonderful way a Steamboat business has found to use its business niche and expertise to help fund a charitable foundation that has given over $75,000 to more than 50 community organizations in the past 4 years.

The upcoming, 6th Annual, ?Steamboat Springs Parade of Homes Tour,? will showcase six residences in the Steamboat Springs area on Saturday August 4, 2012. ?Proceeds from the tour will go to the Colorado Group Realty Charitable Foundation, which was established to support non-profit organizations throughout the Yampa Valley. ?The Colorado Group Realty website states ?our goal is to support a wide range of community based programs related to human Services, the arts, education, our western heritage, the environment and recreation.

Hayden residence

You may remember our post last summer on the Strings in the Mountains Encore concert that was held at the Hayden home. ?The same home, The John and Carrie Hayden residence has now been selected to be on the 2012 Steamboat Springs Parade of Homes Tour. ? The Home on the Range designers, ?worked closely with the Haydens,the architect, Joe Patrick Robbins, AIA,?and the builder, Ken Kruse, to create a home that embodied the Haydens? dream for their mountain get-away. ?Their home is designed for entertaining large groups of family and friends in settings that remain intimate rather than being grandiose. ?Joe Robbins created a flow between the ?entertaining and the ?living spaces in the home that encourages guests to interact, at the same time providing bedroom ?wings? than enable them to get privacy when desired. ?Each wing and each room have their own personality with one wing more influenced by the mountains and wildlife that surround the home and the other wing reflecting the western heritage of Steamboat Springs.

Below are some of the highlights of the Hayden home:

The moss rock fireplace, the custom chandelier and the fir trusses bring a feeling of coziness to the great room. ?We used neutral fabrics on the furniture so the spectacular view catches your eye when you enter the home. ?Touches of red scattered around the room add a feeling of warmth during the winter months when white dominates the view.

?

Hayden Great Room

The master bedroom and bathroom are on the same floor as the main living areas of the home.

Hayden Master bedroom

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Hayden master bathroom

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The hearth room, which is off of the kitchen and the dining room, ?has wonderful views and inviting fireplace, ?it is undoubtedly the favorite place to hang out!

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Hayden Hearth Room

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This is just ?a sneak preview of some of the rooms in the Hayden house. ? Hopefully this preview will want to make you go on the tour, support the Colorado Group Realty Charitable Foundation, and see the guest rooms and all of the wonderful details waiting around each corner. ?I am excited about visiting the other homes on the tour; I always love to see different architectural styles and how other architects and designers use spacial planning and finishes. ?What do you look for when you go on home tours?

Mark your calendars for August 4, 2012 and go get tickets now for the Steamboat Springs Parade of Homes Tour!

?

All photos courtesy of Tim Murphy Photography

Source: http://blog.homeontherangeinteriors.com/events-and-happenings/steamboat-springs-parade-of-homestour/

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Stocks: Investors await central bank meetings | LJ Investment ...

NEW YORK (CNNMoney) ? It?s expected to be another day of cautious trading for U.S. stocks, as investors await any possible stimulus announcements by U.S. and European central bankers later this week.

U.S. stock futures?were only slightly higher Tuesday.

A handful of economic reports are on tap for the morning, including key readings on consumer confidence, spending and income.

But investors are waiting for central bank meetings in the United States and Europe this week, when they?ll find out whether the U.S. Federal Reserve and the European Central Bank will take new stimulus measures to boost the economy.

The Fed?s two-day meeting culminates in an announcement Wednesday afternoon. The ECB will take center stage Thursday with its Governing Council meeting in Frankfurt.

All three indexes?closed slightly lower Monday, with the?Dow Jones Industrial Average?and the?S&P 500?ending nearly flat, as investors held off on making big bets before the meetings.

Heading into Tuesday, the final day of July, all three indexes are poised for mild gains for the month. The Dow is on track for a 1.5% uptick, and the S&P 500 is set for a 1.7% increase. The Nasdaq is on pace for a 0.4% rise. Continue Reading?

Source: http://www.ljinvestmentresearch.com/investing/stocks-investors-await-central-bank-meetings/

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NFCC Financial Education Blog ? Husband's Debts Shouldn't be ...

By Erica Sandberg

Dear Erica,

Am I responsible for my late husband?s credit card debt? I told the man from the company that they were not my cards and that my husband has passed away, but they are not taking ?no? for an answer. I never used them, and I honestly did not sign for them. My husband only used them for his plumbing business. If I do have to pay, I don?t know how I?m going to do that because I?m retired and living on a very fixed income. I am 72 and don?t think I can go back to work in today?s economy and my heath. Please help. ? Miriam

Hi Miriam,

Most likely you are not liable for the debt in question ? a response that I hope you find at least a little soothing. The only way you might have to take it on is if you live in a state that has community property laws on the books. These are Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington and Wisconsin.

In essence, community property means that assets and liabilities that you accumulated during the course of the marriage are to be shared equally among both partners. Therefore, if you never co-signed for the account or weren?t aware that it existed, there is still a possibility that the creditor could come to you for payment.

However, even if you do reside in one of the nine states listed above, don?t panic and dust off your resume just yet. It appears that this was a credit card that your late spouse used exclusively for his company?s operations, rather than charging items for your home or for taking family vacations. If so, there?s a decent chance that he created ?non-community obligations,? from which you?d be absolved.

Now, if you live in any of the other non-community property states, you can really relax. Because this was never a jointly held account, the debt he accumulated on it was his alone. To collect, creditors would have to take what they could from his estate. If there wasn?t enough to cover the complete balance due, they cannot demand the money from you or any other relative.

So what should you do now? You certainly don?t want the phone calls to continue, so let the creditor know what I told you and again ask them to stop contacting you. You can do this over the phone, but a letter is better.

Sadly, this doesn?t mean that they will honor your request right away. Because of this, I encourage you to know your legal rights. It?s not obvious whether you are dealing with a third-party collector that has bought the debt from the original credit card company, but if you are, it must comply with the federal Fair Debt Collection Practices Act (FDCPA). One of its provisions is that, if you tell collectors to cease and desist, they must do so. Additionally, they can?t say they will sue you for the debt unless they really can and will. If it?s the original issuer contacting you, the way the collector behaves is governed by state law, which is typically very similar to the FDCPA.

Communicating with anyone who is demanding money that you either don?t owe or can?t part with is stressful in the best of times. It?s even more dreadful in the worst of circumstances, like when your life partner has passed away. As this is a legal matter, I urge you to get further support from a professional. Contact the Senior Law Center for information and assistance.

Erica Sandberg is editor at large for Bankrate?s Credit Card Guide, columnist and features reporter for CreditCards.com, and the consumer protection spokeswoman for Western Union. She is a contributing personal finance writer for the San Francisco Chronicle?s online edition, and author of Expecting Money: The Essential Financial Plan for New and Growing Families. Prior to her work as a national money and credit expert and journalist, Erica was affiliated with Consumer Credit Counseling Service of San Francisco for 10 years.

Views expressed are the personal views of the author, and do not represent the views of the National Foundation for Credit Counseling, its employees, its members, or its clients.


Source: http://financialeducation.nfcc.org/2012/07/31/2524/?utm_source=rss&utm_medium=rss&utm_campaign=2524

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