text:
My First 24-Hour Readathon

Something terrible happened to me this month: I wasn’t interested in reading anything at all, and everytime I picked up a book I couldn’t focus on the page for more than two words, so obviously I thought I was dying from some very lethal and uncurable disease.

I looked it up online.

Not dying! (Phew! I gots books to write, no time to die, pals!)

Turns out it was just a regular, yet very annoying, reading slump. I tried everything imaginable to get out of this slump, to no avail, so when the wonderful Nimika, from Wordhaven, asked me to join her in a 24-hour Readathon, it felt like the perfect idea.

I would force myself to read for 24 hours, no matter what, until I beat that slump.

And it worked!

It was my first Readathon ever, and if you’ve never heard of that, it works like this: You read for 24 hours, period.

Of course you can take breaks if you want (but why would you want that?), though the goal is to read as much as you can during these 24 hours.

Here’s how my 24 hours went:

Hour 1

  • Wasted 15 minutes taking a photo to tweet about the #BloggerReadathon!
  • Picked up A Wrinkle in Time, by Madeleine L’Engle.

Hour 2

  • Read.

Hour 3

  • Read.

Hour 4

  • Read.

Hour 5

  • Ate a lot of food I shouldn’t have eaten and regretted it instantly.
  • Also, I would do it again.

Hour 6

  • Finished reading A Wrinkle in Time!
  • Wrote a post about it here, to start a book discussion because, if you hadn’t guessed that already, I love to talk books.

Hour 7

  • Started reading Our Dark Duet, by Victoria Schwab.
  • Changed my mind.
  • Started reading a play by Shakespeare.
  • Changed my mind.
  • Started reading The Winner’s Curse, by Marie Rutkoski.

wise choice

Hour 8

  • Fell in love with Arin and the words of Marie Rutkoski.
  • Mostly Arin, let’s be real.

Hour 9

  • Felt my eyes getting heavy and my body starting to hate me.
  • Told them to shut it and kept reading.

Hour 10

  • Fatigue got real.
  • Thought I would just close my eyes for 10 minutes.

Hour 19

  • Woke up 9 hours later like:

I'm awake

Hour 20

  • Decided to start Our Dark Duet because Nimika said the ending would blow my mind and I couldn’t wait.

Hour 21

  • Read as I ate.

Hour 22

  • Read as I took a bath.

Hour 23

  • Read as I walked.

Hour 24

So my grand total wasn’t that grand (I’m a very slow reader haha). In 24 hours, I ended up finishing A Wrinkle in Time, reading 100 pages of The Winner’s Curse, and 100 pages of Our Dark Duet. But I felt like a champion because I was out of the slump! And really looking forward to finishing those two books!

(I finished TWC yesterday and omg it tore at my heart I need the sequel!)

Thank you Nimika for asking me to join you in this! It was so much fun!

And if you guys ever want to participate in a future Readathon, let us know! We’d love to complain about our lack of sleep with you on Twitter! Oh, and rave about books, of course!

(Nimika’s Twitter! And mine!)

Happy reading, everyone!

And if you read this post all the way to here, you deserve a kiss!

What’s that?

You say you still have a few minutes and you want to read something I wrote?

Oh my god!

My, thank you!

How about the first episode of my dystopian adventure starring a pair of untamable lovers? I’d love to hear what you think of it!

Start reading Dean & Lily right here!

You’re awesome!

19 thoughts on “My First 24-Hour Readathon

Add yours

  1. lmao, the 9 hours of sleep – that would be me, too. It’s been far too long since my last college all-nighter and I just can’t do that anymore haha.

    If I ever hit a reading slump, I’ll keep this in mind! (or at least just spend a whole weekend reading as much as possible)

    Liked by 1 person

    1. I hope you never have a slump, Marica, and that you never need to use such extreme measures, haha!

      But honestly it’s a lot of fun! Though I don’t know how some people do these without ever sleeping. I’m not a ”good” reader when I’m too tired. I just read words but don’t register them!

  2. This is such a good idea to get out of a reading slump!
    I’ve been in one pretty bad since coming from taking a month off of the book world and I think I’ve finally broken it by forcing myself to read for quite a few hours last night!

    You should definitely finish Our Dark Duet though, its amazing and that ending will throw you for a loop I promise!

    Liked by 1 person

    1. I’m glad you’re finally fighting through the slump!

      And I’m definitely going to finish ODD! I’ve reached 250 pages today and I think I’m going to get it done by tomorrow! 😀 Can’t wait for that ending everyone’s talking about, haaaaa!

      Liked by 1 person

  3. I always sleep normally when I do a 24-hour readathon. I tend to read slower and not pay attention if I don’t I am so happy that doing this helped you get over your reading slump! It feels so grand when you get over one.

    Liked by 1 person

  4. Ayyyy, it was truly so fun to do it! I’m such a “read it in one sitting” reader (I literally just got done with Wanderlost rn and I started it at 12 PM) so a 24 Hour Readathon is the perfect excuse to do it. I loved doing this so I’m definitely in for another readathon. Also, I Iove your hour by hour analysis- so cool! 😀

    Liked by 1 person

  5. That sounds awesome! I normally pick up a book and get super invested and yell at someone who tries to engage with me ¯\_(ツ)_/¯ . I want to try a 24 hour readathon, but I just know that I don’t have the time and that saddens me.

    Liked by 1 person

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Justice for Sophie!

Posted in Tubeworker's blog on Fri, 22/03/2019 - 18:46,

Sophie Kyei-Donkoh, a CSA at Piccadilly Circus, was abused by an aggressive passenger, who makes serial vexatious complaints against staff. How did the company support her? With a 52-week disciplinary warning!

RMT members at Sophie’s station are rightly up in arms about this travesty. Prior to the decision, the union wrote to LU to tell them that there’d be a dispute should Sophie be disciplined.

The warning must be rescinded!

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PCS Members: Vote yes to strike action on pay!

Submitted by SJW on 12 February, 2019 - 5:54 Author: Mike Chester

The PCS NEC has agreed to hold a re-ballot of civil service members this March. The ballot will run from the 18th of March to the 29th of April and will hopefully reach the 50% turnout required by the anti-union laws, falling 8% short of that threshold last year.

The amount of members balloted this year as part of this national ballot is slightly less at 120,000 to allow bargaining units that are not ‘core civil service’ - and therefore not subject to the same pay regime - to choose to opt-in to the pay campaign.

At the NEC PCS Independent Left made a number of alternative proposals to the demands of the campaign as outlined specifically in the penultimate issue of Solidarity.

As a result of our intervention the unions claim of 8-10% will now be underpinned by a minimum pay claim of £10/h or £11/h in London. For the lowest paid in government this would mean a 28% pay rise. This is an important improvement on the previous arbitrary claim of the leadership and brings it in-line with the demands for at least the living-wage demanded by outsourced workers and the service industry campaigns.

Equally, the strategy that PCS Independent Left and Workers’ Liberty comrades have long advocated, but which was only adopted by the leadership last year, of identifying areas of maximum industrial impact for targeted action continues. In addition to this, the ballot this time round will also include the question of action short of a strike, in order to allow our members in places such as the ports and immigration to take action in the workplace to cause the maximum amount of disruption in the case of Brexit.

We hope the leadership have learnt the important organisational lessons of last years ballot. Independent Left and Workers’ Liberty comrades have already been doing the important work in our branches preparing the membership for the ballot. During the ballot we will be ensuring we maximise the vote to ensure the biggest turnout which can be translated into considerable, sustained and targeted action across central government departments and agencies.

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Gisborne causes first big upset of 2018 season by Richard Jones

BFNLLogo1A look at Bendigo footy, round eight

GISBORNE landed the first big upset of the BFL season downing fourth-placed Golden Square and jumping up to sixth spot on the ladder. The Gardiner Reserve Bulldogs barely missed a shot on goal all afternoon and by the last change had scored a super accurate 14.2. On their home deck Gisborne outpaced and out-tackled the Wade Street Dogs and held them to just nine goals for the afternoon. In other matches top club Strathfieldsaye downed hopeful finalists South Bendigo following a six-goal to none burst in the opening 20 minutes while Sandhurst ended up 107-point winners over Maryborough at the QEO. The win catapulted the Dragons back into the Top Five. Kyneton also scored a massive victory by thrashing Castlemaine by 128 points at the Kyneton Showgrounds. And on the back of returning spearhead Matt Gretgrix’s seven majors Eaglehawk belted Kangaroo Flat by an even bigger margin: 167 points.

Gisborne was just too physical and team-oriented for a surprisingly subdued Square side and led at every change. By the last change the Gardiner Reserve Dogs had an amazing almost 14 straight goals on the scoreboard as their forwards and midfielders nailed just about every shot. Playing coach Clinton Young roamed from deep in defence to the half-forward line match-long and inspired his younger teammates to keep running. The Gisborne defence led by Jack Reaper and swingman Ollie Clough held Square forwards Jayden Burke and Dylan Johnstone to a total of four goals – two each – while the home side attack had the majors spread around. Pacy winger Ross Celano nailed two goals along with key forwards Jaidyn Owen and skipper Jarrad Lynch who both hammered home a pair also. Square again relied on outstanding midfielders Adam Baird and skipper Jack Geary to keep them within touch but they had very little assistance.

eaglehawkeEaglehawk had 10 players who booted two or more goals headlined by seven to Gretgrix and 13 goalkickers in all. Ben McPhee, playing coach Josh Bowe, Gedd Hommelhoff and centre half-forward Shaun Knott all drilled three majors. The Hawks hit the 200-point mark for the second time in 2018 and had 16 goals to three on the scoreboard by half-time. Playing coach Josh Bowe said it wasn’t an easy task to name just six best players for the BFNL website. “We didn’t have a bad player and we got contributors across the board,” he said.  After a couple of promising wins in May the Flat has dropped back to ‘also-rans’ and face the rampaging Strath Storm at Dower Park this weekend. Midfielders Nick Lang and Liam Collins were again in the Roos’ best while Cameron Rinaldi booted three of their six goals.

KynetonTigersKyneton captain Josh Govan is the most underrated layer in the competition according to Tiger coach Luke Beattie. Govan racked up more than 40 touches in the 128-point romp over Castlemaine while key forward Jake Ward and Govan’s fellow midfielder/forward Rhys Magin notched eight goals apiece. “I’d be most surprised if he wasn’t leading our best and fairest. He always wins his touches from effective, contested possessions,” Beattie said about Govan. The Tigers’ win was built around a 12.3 to nil second quarter with livewire small forward Ethan Foreman contributing five goals to the team total overall. Kyneton opened up again in the last term scoring 8.3 to 2.2 to blow the final margin out to more than 120 points. But the Magpies had outscored Kyneton 5.1 to 4.4 in the third term although that was their only bright light on a dismal day at the office. Braidon Blake booted three majors for the Maine.

StrathstormStrathfieldsaye suffered a double injury scare during their 87-point belting of South Bendigo with champion spearhead Lachlan Sharp and champion ball-winner Kallen Geary injured. Sharp drilled 10 goals for a season tally of 54 before leaving the Tannery Lane oval late in the game with a hamstring twinge. Geary finished the game on the bench with a recurrence of his shoulder troubles. The Storm set up the big win with a six-goals-to-none first 20 minutes of play and went further ahead as the match progressed, leading by more than 10 goals at the last change. Shaun Dwyer, a Queenslander with a rugby union background, did a fine stopping job on South’s Daniel Connors while Shannon Geary and Jake Moorhead controlled the midfield. Joel Swatton and Liam Bartels tried hard for the Bloods with Kaiden Antonowicz nailing four majors for the Red and Whites.

SandhurstDragonsSandhurst key forward Taylor Strachan put his round seven goalkicking yips behind him as he drove home 10 majors in the Dragons’ 107-point belting of Maryborough. He became the first Hurst player in five years to kick a double figure bag of goals and only the third in the 2000s. Strachan spent most of the day at full-forward with alternating brief stints in the ruck to relieve Tim Martin. The Magpie defence just couldn’t control him. Strachan nailed three goals in the second and third quarters and four in the last. It took Maryborough until the 10-minute mark of the second term to land their first major through Brady Neill while Jack Hayward banged home three majors for the day. Apart from Strachan Sandhurst had fine players in polished half-back Codie Price, Jed Zimmer and skipper Blair Holmes.

Final scores: Eaglehawk 32.15 (207) def. Kang. Flat 6.4 (40), Strathfieldsaye 24.13 (157) def. South Bendigo 10.10 (70), Gisborne 15.5 (95) def. Golden Square 9.12 (66), Kyneton 29.14 (188) def. Castlemaine 9.6 (60) and Sandhurst 24.16 (160) def. Maryborough 7.11 (53).

Top five: Eaglehawk 7 wins, 1 loss, 208.3%, 28 premiership points; Strathfieldsaye 7-1, 197.18%, 28; Kyneton 6-1-1, 26; Golden Square 5-3, 20; Sandhurst 4-4, 145.31% 16.

Sixth: Gisborne 4-4, 128.62%, 16.

Next week, Round 9: Kangaroo Flat v Strath Storm, South Bendigo v Gisborne, Golden Square v Kyneton, Castlemaine v Sandhurst and Maryborough v Eaglehawk.

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How To Make Money Online

I recently talked about how to make money online without having to raise a huge sum of money as capital. The truth of the matter is that making money through the internet can be one of the most fruitful things that anyone can engage in. It is also a great way to explore new dimensions … Read more How To Make Money Online

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My agent really took the time to explain or I should say educate me on my policy how to read what each part meant and scenerios of how I was covered if something happened. I ended up paying a little more in premium but the protection I have for myself and my family makes me feel like I'm a celeb. My agent values protecting my family, I also like the fact he calls my house just to see how we are doing. If you live in the Kansas City area, Farmers agent Troy Bower would be a real blessing to your home.
My agent really took the time to explain or I should say educate me on my policy how to read what each part meant and scenerios of how I was covered if something happened. I ended up paying a little more in premium but the protection I have for myself and my family makes me feel like I'm a celeb. My agent values protecting my family, I also like the fact he calls my house just to see how we are doing. If you live in the Kansas City area, Farmers agent Troy Bower would be a real blessing to your home.

For all types of motor insurance policies in Bangladesh, the limit of liability has been fixed by the law. Currently, the limits are too low to compensate the victims. In respect of Act Only Liability Motor Vehicle Insurance, the compensation for personal injuries and property damage to third parties is BDT 20,000 for death, BDT 10,000 for severe injury, BDT 5,000 for injury, and BDT 50,000 for property damage.[citation needed] The limits are under review by the governmental bodies.[citation needed]

Of our top auto insurers, State Farm has the fewest discounts. You won’t find any price breaks for young or elderly drivers, for being a loyal customer, nor for having a new car. Most of its discounts are safety related, like if you have airbags, anti-lock brakes, or enroll in a safe driving program. However, State Farm’s lack of discounts doesn’t mean your quote will be more expensive — just that you’ll have fewer opportunities to lower it.

I have been a GEICO customer for about least 15 years. Claims and customer service are not the issue with them. After said years of faithfully paying my insurance on time and renewing each year I accidently back into a car in my driveway. The cars were repaired without incident. However, GEICO penalized me by taking away my good driver discount and increase my monthly insurance rate by nearly $100.00 ; leving a hefty penalty for making a claim. I can’t imagine the money they made off of me during the 15 years I’ve faithfully paid auto insurance. I am hunting for a new auto insurance carrier since GEICO obviously thinks driving is perfect and accidents never happen.

USAA maintains a strong financial standing and earned a 95/100 from Consumer Reports with Excellent marks all around. This means you won’t have to worry about settling up financially with the company and you’ll likely have a decent time maneuvering through their claims process. If you or anyone in your immediate family is an active or retired service member, you should definitely give USAA a call and get a quote.
USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.
Regardless of how often you use your RV, Safeco is worth a look. Safeco offers coverage for anyone who lives in an RV fewer than 250 days (about eight months). While this won’t cover policyholders who live in their RV full-time, it serves as a nice middle-ground for people who only plan to store their RV away during the winter months, for instance.
Allstate thrives when it comes to discounts for young drivers and students. The company’s Smart Student Discount will apply to anyone under the age of 25 who is either a full-time student with good grades, has completed the teenSMART driver education program, or attends a school within 100 miles of their home. Young drivers are typically the most expensive to insure; this unique discount can alleviate some of those costs.
Had this company for years including coverage for my 21 Year son...not an easy feat to get reasonable prices, complete consideration by all employees and real people who meet all our needs when it really counts. Example..my son was in a total loss accident when hit (hit and run) on a busy freeway. He had minor physical injuries but Wawanesa came through providing everything we needed! We love Wawanesa.
*A Trusted Partner designation denotes a listing whose rank has been determined by our staff. Typically, TheTopTens receives compensation for these placements in the form of commissions on sales or leads generated through this site. Because our compensation is tied to consumer behavior, we are incentivized to promote the companies and products people are more likely to respond favorably toward.

When an insured borrows a vehicle from a friend, the insured’s liability coverage usually steps in only when the insured’s policy limits are exceeded. Collision and comprehensive coverage do not apply to a borrowed vehicle. Medical Payments (Med Pay) and Personal Injury Protection (PIP) coverage, as we will see below, also follow the insured into a borrowed vehicle.
One of Progressive’s add-on coverages includes a “disappearing deductible” option. This means that each year you don’t file a claim, Progressive will drop your rate by 25%. With this method, the company boasts that you could eventually have a $0 deductible. But it only stays this way as long as you haven’t filed a claim — if you do, your deductible will go right back up. Safeco also incentivizes safe driving with low deductibles. Safeco will reduce your collision deductible by $100 each year you don’t have a claim, but this incentive caps at $500.
Hi Stephen – I think you’re doing the right thing – as long as the premium continues to be reasonable compared to the competition. Even though we obsess on low rates, quality of service matters. It does little good if you get the cheapest policy, then they stick you when you have a claim. With must auto claims there’s going to be a human error factor (especially with new drivers), and you can’t be with companies that will hold that against you to such a degree that it seems like they no longer want your business.

We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
Whether you need to learn more about auto insurance, want to manage your policy online, or want to file a claim digitally, Allstate can offer that online experience. For first-time auto insurers, you can find detailed breakdowns of policy documents, tips for comparing rates, and blog articles on saving money and building a policy for young drivers.

Farmers has the fourth-largest market share in Texas at 8.7%, and a Consumer Reports overall score of 89 (above average and tied with State Farm). But according to J.D. Power, Texans are slightly less impressed with their Farmers claims experiences than they are with Allstate’s. Consumer Reports readers also expressed a bit more annoyance with the timeliness of their payments, and its complaint ratio, while still well below average for Texas as a whole, was higher than State Farm’s. Farmers’ financial strength is a couple of notches lower than the rest, too, which doesn’t mean it’s about to go bankrupt anytime soon — it’s just the difference between “quite stable” and “completely rock-solid.”
In a recent survey, we found that our readers’ biggest complaints about their current insurance company related to customer service and their final settlement amount. So, we used J.D. Power’s 2017 claims satisfaction study to find out which insurers had done the best job settling claims for their customers. Scores are assessed on a 1,000-point scale, and all of our final contenders ranked above 850.

Texas is home to the second-highest number of active duty military personnel in the country. USAA caters to both active and retired military service members and their families and holds down 8.1% of the Texas auto insurance market share. Their auto insurance comes with a plethora of discounts — 11 by last count — and you can even save by bundling auto with homeowners or renters insurance. You can also get rideshare coverage through USAA which is an emerging but still uncommon add-on in the current market.

While State Farm’s website recommends speaking with an agent to see what discounts are available to you for motorhome insurance, it doesn’t list any universal discounts. It’s still possible to save on your premiums, but there’s less transparency about what you may qualify for. If discounts are important to you, it’s best to get clarity from a State Farm agent on what to expect before signing up.
Third-party vehicle insurance is a mandatory requirement in Indonesia and each individual car and motorcycle must be insured or the vehicle will not be considered legal. Therefore, a motorist cannot drive the vehicle until it is insured. Third Party vehicle insurance is included through a levy in the vehicle registration fee which is paid to the government agency Samsat (Sistem Administrasi Manunggal di bawah Satu Atap), which is responsible for cars and roads.[18] Third-Party Vehicle Insurance is regulated under Act No. 34 Year 1964 Re: Road Traffic Accident Fund and merely covers Bodily injury, and managed by a SOE named PT. Jasa Raharja (Persero).[19] The Indonesian government has a road insurance fund which includes life insurance for traffic accidents. The annual fee is called the Compulsory Contribution Fund for Traffic Accidents or Sumbangan Wajib Dana Kecelakaan Lalu Lintas Jalan.[18]


text:
I had Allstate for over 20 years and it just kept going up. I would contact my agent to see if anything could be saved and they would adjust it slightly each year, but it was over $200 per month and I had a perfect driving record, and my vehicles were getting older and older. Finally I was fed up and got quotes from nearly a dozen insurers and Esurance beat them all, lowering my payments by more than HALF! Now I'm worried, though, since Allstate has now purchased Esurance. Will my rates start to go up and up again? Time will tell.
More commonly purchased is third party, fire and theft. This covers all third party liabilities and also covers the vehicle owner against the destruction of the vehicle by fire (whether malicious or due to a vehicle fault) and theft of the insured vehicle. It may or may not cover vandalism. This kind of insurance and the two preceding types do not cover damage to the vehicle caused by the driver or other hazards.
Several Canadian provinces (British Columbia, Saskatchewan, Manitoba and Quebec) provide a public auto insurance system while in the rest of the country insurance is provided privately [third party insurance is privatized in Quebec and is mandatory. The province covers everything but the vehicle(s)].[10] Basic auto insurance is mandatory throughout Canada with each province's government determining which benefits are included as minimum required auto insurance coverage and which benefits are options available for those seeking additional coverage. Accident benefits coverage is mandatory everywhere except for Newfoundland and Labrador.[11] All provinces in Canada have some form of no-fault insurance available to accident victims. The difference from province to province is the extent to which tort or no-fault is emphasized. International drivers entering Canada are permitted to drive any vehicle their licence allows for the 3-month period for which they are allowed to use their international licence. International laws provide visitors to the country with an International Insurance Bond (IIB) until this 3-month period is over in which the international driver must provide themselves with Canadian Insurance. The IIB is reinstated every time the international driver enters the country. Damage to the driver's own vehicle is optional – one notable exception to this is in Saskatchewan, where SGI provides collision coverage (less than a $1000 deductible, such as a collision damage waiver) as part of its basic insurance policy.[12] In Saskatchewan, residents have the option to have their auto insurance through a tort system but less than 0.5% of the population have taken this option.[13]
Liability insurance coverage on a personal auto policy follows the driver no matter whose vehicle is being operated, provided it is an eligible vehicle. All states, except for one (New Hampshire), require at least liability coverage. Liability coverage protects the insured (i.e., follows the driver) when the insured operates a vehicle owned by someone else. In such a situation, they will still usually be covered under their own auto insurance policy. However, the best rule of thumb in looking for coverage under a policy is to begin with the exclusions.
Now as to Hartford, I have had them for years and claims for uninured motorist on my car ins and for storm damage on my roof due to large hail. Both claims settled satisfactorily. Cost to the company will never be recovered thru cost of my policies. Also policy cost is in line with other large companies but defiantly not cheap. I just received a quote from Liberty Mutual on my car insurance $400 less that Hartford. However the agent seemed reluctant to send me the quote via email. I thought this strange since I wanted to verify the coverage was he same as I have, he said I just reviewed the coverage (via phone call) to which I replied I didn’t record the conversation so please send me an email detailing the cost and coverage, He stated he would but that was a couple hours age and still haven’ heard back. Go figure.
Comprehensive insurance covers all of the above and damage to the vehicle caused by the driver themselves, as well as vandalism and other risks. This is usually the most expensive type of insurance. It is custom in the UK for insurance customers to refer to their Comprehensive Insurance as "Fully Comprehensive" or popularly, "Fully Comp". This is a tautology as the word 'Comprehensive' means full.
Still, there’s no denying that Allstate is popular in Texas, with the second-most market share of any company at roughly 11.2%. It’s also one of the only companies to offer “gap” insurance for new cars, something State Farm and Farmers are both missing. And if your Allstate quote is lower than its competitors, it could mean the difference in whether you can afford comprehensive and/or UM/UIM coverage, two especially valuable add-ons in Texas.

I just saved about $400 dollars a year by switching to AAA from State Farm. The coverage for my cars is the same and the coverage for my home is much better (and cheaper) than before. I have a credit card through AAA, roadside assistance through AAA and finally, my insurance through AAA. I could not be happier. On all fronts, AAA has the best customer service I've ever encountered.

In South Australia, since July 2016, CTP is no longer provided by the Motor Accident Commission.The government has now licensed four private insurers - AAMI, Allianz, QBE and SGIC, to offer CTP insurance SA. The scheme allocates one provider for 3 years as part of vehicle registration. After July 2019, vehicle owners can choose a different CTP insurer and new insurers may also enter the market. [6]

I just switched from State Farm to Nationwide and State Farm was reasonable, though I wasn't necessarily happy with the coverage. It was only $79 a month for full coverage, but they didn't have accident forgiveness, if I got into an accident, I would have to pay 20% of the rental fee for a car, and the lowest deductible for collision they will go is $250. I switched to Nationwide a week ago and the quote was for $70 a month, (every little bit counts) but the big difference is the coverage. I got accident forgiveness included, also they pay 100% of car rental fee, and I only have $100 deductible for collision. However they do have $0 deductible but 100 I can do. This is for a 2011 Ford Focus which Focuses are generally cheap to insure.

USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.

I have been with Geico for 10 years, what kept me with them is that my daughter had just graduated high school and started college she asked to borrow the car because she was late for school, I said yes she got into a fender bender. Geico paid the claim and they even asked its my choice to add my daughter to my policy or not. Insurance only went up by $30 dollars a month.
This cover is mandatory in India under the Motor Vehicles Act, 1988. This cover cannot be used for personal damages. This is offered at low premiums and allows for third party claims under “no fault liability. The premium is calculated through the rates provided by the Tariff Advisory Committee. This is branch of the IRDA (Insurance Regulatory and Development Authority of India). It covers bodily injury/accidental death and property damage.[citation needed]
Beyond the standard protections, supplemental (or “add-on”) coverage will keep you protected against the additional costs that often come with accidents. Features like car rental coverage may not seem essential when you view them as just another added cost, but the increase in your rate could still be lower than the cost of renting a replacement vehicle if your damaged car is in the shop for a while. The options offered by providers vary widely in both availability and cost. Our favorites offer supplemental coverage options that can build a policy for every profile.
Switching to Amica from State Farm because I reviewed my State Farm policy and found that they are no longer paying to return my vehicle to "pre-loss" condition, and instead they are only paying for what is competative in the market area. I have been with State Farm for over 12 years, and recently read my policy booklet, and found this out. Based on the way State Farm's auto policies read I am very unhappy. State Farm gets to dictate what is competative in the market area, and because the majority of the shops in my area are not good shops, State Farm will not pay to have my vehicle repaired properly because it isn't competative in the market area as my policy reads. This also means that if I hit someone and they take their vehicle to a quality shop and State Farm does not pay for the cost to repair the other party's vehicle properly, then I can be sued by the person I hit. I expect more from my insurance, and I hope others do to. After contacting Amica I have found their ...more

I love GEICO, they have EXCELLENT customer service! They are always great, they're always so personal, they are always there to help all day and night and weekends and you don't have to worry about someone being on vacation or sick because there's always more and great agents there to help. Plus they work with other outside companies and you can get discounts other places just for being with them. I just wanted to say I think GEICO is worth calling and getting a quote if you don't already have a policy.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.
Location-specific discounts are different for every company, but most will list at least one or two universal discounts that apply regardless of location. Farmers doesn’t list any of these; this means that you may or may not qualify for discounts, depending on your location. To find out if you’re eligible for any, contact a Farmers agent in your area.
I've had travelers for over thirty years. My insurance agent a few years ago left a message on my answering machine that I should give her a call and I might be able to save money on my insurance. And my insurance went down by over 1/3 of the cost. This year I had my all my policies starting the same date - my auto insurance is now for a year instead of two six month terms and I saved money on the year policy!
Michigan weighs in with the highest RV insurance rates, at a median annual premium of $4,490. Why are the average rates in Michigan so expensive? Because the state has mandatory personal injury protection (PIP) coverage, which results in much higher costs for the insurance companies whenever there is an RV insurance claim. The second highest is Louisiana, with a median annual premium of $2,912.
Your experience driving an RV: Driving a motorhome is very different from driving a car. RV drivers require a period of adjustment to learn about height restrictions on bridges and in parking garages, checking blind spots, and watching “back swing” when turning corners in tight spaces. The more experience you have as an RV driver, the less risky you are to insure.

As we have seen, this is usually not the right question to ask. However, that won’t prevent inquiring minds from asking – over and over. An answer to the question that isn’t going to be universally correct, therefore, is that insurance that follows the car usually has the vehicle listed in the policy. If anyone who has your permission drives the car, that person is probably covered by virtue of the fact that the car is covered. However, as we’ve seen, this kind of insurance does not cover everyone. There are qualifications for the drivers covered. Other types of coverage such as collision or comprehensive insurance will usually follow the car. These coverages will usually not “follow the driver” to any vehicle which the “covered” driver operates.

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.


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You post to social media, we promote it Start 30 Day Trial

How Do Instagram Stories Ads Compare to Feed Ads?

Instagram Story Ads

Instagram has two kinds of ads you’ll typically see. One is the traditional promoted post, a feed ad that looks just like a normal post with a sponsored label attached. The other is the Story ad, a specialized ad format based on the Instagram Story. Stories, in case you don’t know, are a format for collages of images and videos designed to last for a single day before they disappear forever.

Technical Specifications

So how do Feed ads and Story ads compare? First up, let’s talk about their technical specifications. These are the actual mechanics of what you can do with the ads, how they display, and how they act.

Feed ads can be images or videos. Facebook/Instagram recommends uploading the highest resolution source image or video you can. For video, they recommend H.264 encoding, progressive scan, stereo AAC audio at 128+ kbps, and a fixed framerate. Videos can be a maximum of 4GB in size, up to 120 seconds long, and a minimum of 1 second long.

Instagram Feed Ads Example

Images for Feed ads should be JPG or PNG format. The minimum aspect ratio is 400×500, while the maximum is 191×100. Feed ads also support carousel format ads with anywhere from 2-10 cards that can include either images or video. Additionally, they support collection ads.

Instagram Feed Ad Video Guidelines

Instagram Feed Ad Image Guidelines

Instagram Feed Ad Carousel Guidelines

Instagram Feed Ad Collection Guidelines

Story ads take the form of Instagram stories. The collection format is not supported here, but the other three are.

Instagram Story Ad Example

For video ads, videos are vertical and full screen. Videos typically play for the first 15 seconds, and users can tap to view a full 60 seconds. Again, the video file size is a maximum of 4GB, but videos can only be up to 60 seconds in length instead of 120.

Story ads with the image format can include multiple images, which progress through a slideshow one pane every five seconds, or until the user swipes through it. Carousels operate in a similar way.

Carousels also come in two formats. Native Story carousels can have 2-3 cards on them, while Expandable Story carousels can have 2-10 cards. The user must take action to see all 10.

Instagram Story Ad Video Guidelines

Instagram Story Ad Image Guidelines

Instagram Story Ad Carousel Guidelines

To compare them in more plain English, Story ads take up the full screen of a mobile device, formatted vertically. They can include both images and videos, and are sort of like carousels or slideshow videos even in limited formats.

Stories are also limited to 24 hours of distribution, without using a replay feature. They cannot get engagement, but they can direct users through to your website.

Meanwhile, feed ads are much more like standard posts. You can engage with them, you can comment on them, and they have all of the surrounding trappings of a typical Instagram post. The only difference is the call to action and the Sponsored label.

The First Experiment

I’m going to look at two experiments today, performed by different companies. The first is from AgoraPulse. Read along here.

The hypothesis that AgoraPulse puts forth to test is that there will be no difference between feed ads and story ads when it comes to driving traffic to a product, assuming that product caters to all age groups.

Feeds vs Stories Ads

The product they chose to advertise was a podcast, though they ran into issues with tracking where the podcast conversions came from. They got around this with Apple’s analytics platform, which worked enough for their needs.

The ads they set up used the traffic objective, because they can’t use the tracking pixel to track conversions, and because their goal was to test comparative traffic. They go into detail with their naming conventions and their definitions, if you’re interested. I won’t be referencing them.

Their budget was $20 per day for their ads, run until they achieved a statistically significant result. This is important for any split test, and it’s a huge piece of advice every advertiser should know. You need to gather an appropriate, relevant amount of data when testing different ads and their variations. If you dump $100 into one ad and $10 into each of three variations, you’re not getting comparable results. All data must be statistically significant.

For targeting, they used a lookalike audience with an exclusion for those who had used their app or visited their website in the previous month. They also narrowed down their age range to the still-broad 28-64, since the extreme ends of either side are unlikely to be their customers.

The ads they created used nearly identical ad copy, with a bright image of a cartoon with some basic text over it. The feed ad had additional call to action text below, while the Story ad is larger and more immersive.

How did they compare with the results?

  • Their feed ad spent $314 and reach 18,000 people. It generated 592 unique link clicks.
  • Their story ad spent $310 and reached 26,700 people. It generated 1,039 unique link clicks.

Stories, thus, reached a larger number of users in their target audience, for a lower cost per unique link click. In fact, stories reached 44% more users with a nearly identical – and slightly lower – ad spend. Plus, their conversion rate was 23% higher with story ads than with feed ads.

Conclusions: it’s more expensive to run feed ads than it is to run story ads – at least with a broadly targeted audience – and story ads have higher visibility, higher clicks, and higher conversions.

Now the question is, does the second experiment come to similar conclusions?

The Second Experiment

The second experiment was performed by AdEspresso, experts in Facebook advertising. They know their way around the Facebook ad system, and they had $1,000 to spend on this experiment. You can read along here.

Unlike the first experiment, the second one makes use of video content for both their feed and story ads. They got their video from Combocut, an agency in Milan. They show the video in the experiment post I linked. Also unlike the first experiment, the videos they used were somewhat different for each format, rather than being the same video with a different crop. They have the same information, the same style, and the same graphics, but the story ad takes advantage of the taller vertical format to give a slightly different presentation for the imagery. In the end, they’re similar enough that it shouldn’t be a big deal, though.

AdEspresso Results

Since feed ads can have text and story ads cannot, AdEspresso decided to test three ads; a story ad, a feed ad with no caption, and a feed ad with a caption. This helps show the variance between all three situations.

Similar to the first experiment, they chose a lookalike audience with excluded website visitors and current customers. The goal of the ads was the same; to get users to click through to their landing page. In this case, they are promoting an ebook rather than a podcast.

The AdEspresso hypothesis was a little different. They expected stories to perform poorly, while feed ads would work better for their B2B product. The results?

  • The Story ad had a 1.245% click through rate, a cost per click of $2.13, and a total of 157 clicks. This resulted in 51 conversions and a cost per conversion of $6.56.
  • The feed ad without text had a 0.709% click through rate and a cost per click of $3.38. They totaled 99 clicks, 48 conversions, and a cost per conversion of $6.97.
  • The feed ad with text had a 0.961% click through rate, a cost per click of $3.04, and a total of 110 clicks. This resulted in 58 conversions and a cost per conversion of $5.77.

All three ads had a total ad spend of $335 each.

Conclusions: The feed ad with text had the lowest cost per lead for AdEspresso, since it had the highest conversion rate. The story ad had the best click-through rate, though, and the best cost per click. All of them were quite similar, though.

Meanwhile, when comparing just the feed ads with and without text, the ad with text performed better. The only area where the ad without text excelled was in impressions and cost per thousand impressions. It had the best reach, but didn’t utilize that reach as much as possible.

Here, feed ads get better raw traffic, but story ads get more qualified leads. This doesn’t contradict what AgoraPulse found with their experiment.

Final Thoughts

So what conclusions can we draw from this? Well, for one thing, Story ads are not going away. In fact, Instagram keeps adding additional features and additional benefits to using stories over the standard feed. Stories have larger, more immersive presentation, and they are better able to make use of that presentation.

Instagram Story Ads 3

At this point, if you’re not actively testing story ads and you want to be an Instagram marketer, you have a lot of catch-up to do. You need to be experimenting with the format and using it for your advertising if you want to succeed on Instagram. All of the most engaged users – on the platform, anyways – are using stories.

So how do you make the most out of Instagram story ads?

  • Remember that Story ads can have videos, images, or a mixture of both. Videos tend to do the best, but mixing in photos can be a great way to add more information without the need to animate it.
  • Either produce an extremely high quality video, or hire a company to do one for you. Stories work best with videos, and videos work best when they’re well made. If you don’t have the tools or facilities to produce videos, there’s no shame in outsourcing them.
  • Make sure to tell a story with your video. Start with something that hooks a viewer, preferably by asking them about a problem you know they have. Follow up with the value proposition of solving their problem, and finish up with your solution.
  • Keep your messaging short. The more you’re forcing users to read, absorb, or think about when you’re showing them your ad, the less likely they will be to do that reading or thinking. A simple message that can come across before the user swipes away is best.
  • Don’t forget your branding! AdEspresso’s experiment videos are great because they have their very recognizable mascot character in the video from start to finish. Sometimes a logo is all you need; users might not remember the contents of the story, but they’ll remember you. This is triply true if you’re running ads that focus on brand awareness rather than ads for conversions.
  • Make sure you have a strong call to action. Your goal with a story ad is to get users to swipe up for more information. You can call attention to this in a number of different ways, from arrows to captions, so play around with different ways to draw user focus to the swipe.
  • Remember the text rules! Facebook still has their 20% text rules, even if they’re no longer regulated by a dumb grid, and this applies to Instagram too. Too much text in your ads will reduce their distribution.

What about you? Do you have experience with story ads, and have you found them to work better than feed ads? Tell me your story below.

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February 22, 2013

When even your best friends turn

Graham (whatever it takes) Richo has been a consistent critic of the Gillard Government, and of Wayne Swan, and of Julia Gillard.  Also consistently factual, as far as facts go within commentariat-land.

This week, perhaps miffed that all of his old-age advice has gone unheeded, Richo has resorted to joining the "Gillard's gotta go" brigade.

Most likely though, she will hang on and try to tough it out. With all those who hate Rudd clustered around her in praetorian guard formation, a confused, conflicted caucus might acquiesce to her survival. Numbers have been hard to come by for the Rudd team.

This would mean that the legacy Gillard leaves behind would be the near destruction of the modern Labor Party. That is how bad I believe Labor's position has become. Some of the PM's backers are among my closest friends and this column may well strain those relationships. It would be worth the price to see Labor back in the game, being taken seriously, and a force for good in Australian politics.
More old-age advice.  Oh dear.  Richo is going to be disappointed, again.

As for his belief that "this is how bad" the pitiful politics of the ALP has become:  he's old, he's slow, it's taken him a while to catch up with everyone else.  Him and nearly every journalist in the country.  Well, except the wonderful Michelle Grattan, who retired just in time for her weekly cheer-a-thon for Gillard and the ALP to pass from the political landscape with dignity.

The long running series, Ruddton Abbey and the World of Hurt, with all new episodes, interspersed with an awful lot of repeats, coming soon.

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Right Below Is Where You Can Find Great Tips About Wine

You cannot take shortcuts when you are buying or serving great wine. If you want to impress your friends, some things must be learned first. This article is a great place to start if you start learning about wine.

Pinot Grigio tastes great with a seafood dinner. This wine will really bring out the surface. There are many other varieties of white wines that you can pair with seafood. White wine is great match.

This is especially important if you have expensive wine that you plan on storing for a long time. A wine cellar keeps the wine over extended periods.

Consider joining an online wine lover’s discussion forum. There are some really good forums out there where you can go to have a conversation with other people about great wines.

Use the proper glass for red and white wine. Whites should be in a narrow wine glass to prevent warm air is kept from the wine’s surface. Red wine glasses are meant for the wider body and a large mouth. This keeps the wine warm, which brings out the flavor.

TIP! Have you ever spilled wine on one of your favorite shirts? When this occurs, immediately grab some Windex. It gets the stain out faster than soap will.

Experiment a little when buying wine. You can experience different countries by trying new wines.Ask your wine vendor for a recommendation from a country you’ve always wanted to visit. You can never know when you may find as a favorite!

Wine lovers should visit if you appreciate wine.These countries are both scenic and educational regarding wine.

They won’t be able to anticipate it and they won’t be shocked at the price too high.

TIP! Just because a wine is inexpensive does not mean that it is not good. Chilean wines are well-known for their excellent flavor and reasonable price tag.

Sparkling wine and champagne should always be served very cold. Drinking these closer to room temperature will hinder all of its flavors. Put champagne inside a refrigerator one or two hours before drinking it.

Write down the questions you have in a list and create a list of wine elements you enjoy.

White wines should be consumed within two years of purchase. The exception is Chardonnay.The main reason to do this is that white wine production does not normally involve oak. The opposite may be flipped for darker wines and different varieties.

The right glasses make for a bottle of wine the proper way.

There are many wonderful wines that pair well with desserts. Dessert wines generally taste sweeter than other wines. Port wines such as tawny port and ruby port offer a great category to take advantage of with your dessert. They should be served at around 55 degrees.

Toasts are a regular part of large social gatherings where wine is involved.This can result in a lot of glass clinking. If not done correctly, it may shatter, and that will be a mess.

It would be embarrassing to arrive and not be able to experience the winery can’t accommodate you.

Open red wine and let it sit before serving it to your guests. Oxygen interacts with the wine bottle.

Try taking a wine class about wine history. Learning about where wine comes from, its production and its varieties is sure to broaden your understanding.

TIP! In order to reuse a bottle, or for easier recycling, be sure you know how to remover the label from an empty bottle. A simple approach is to set the wine bottle in a hot oven and, using oven mitts, begin at the corner to peel back the label.

White wines are great for cooking and drinking with meals that center around seafood. It is the flavor of the fish. The seafood will also has a complementary effect on how the white wine. It is truly a winning match.

If your goal is to buy quality wine in order to turn a profit by selling them, choose carefully. Try keeping this wine stored at various temperatures and give it a taste so you know which temperature works best.

White wine is best when it has been chilled. Room temperature white wine. You should place it in the fridge for a couple of hours before drinking. You can shorten this to half an hour by placing the bottle in a bucket of ice water instead.

TIP! If you are serving champagne or a sparkling wine, then make sure they are extremely cold prior to serving. A white wine served at a different temperature will not expose the flavors that you deserve to experience.

Are you a wine savvy but have issues pronouncing certain names? There are both online and offline resources that can help you learn. You don’t want to serve them wine without knowing the proper pronunciation of it. Take a second and research them so you make the right impression.

You don’t need to have a cellar or specialty refrigerator for your wine. A closet will often work for this. You do not need to have a wine fridge if you are not buying lots of pricy wine.

Do not let the complexity of the world of wine scare you. A bit of knowledge and some experience will help. Use the information here to help you make a great wine choice the next time.


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Apple Box

Side Tables
Celebrated designer Ashley Botten was inspired by the versatile functionality of the apple box, a staple item on film sets across the world, and innovated on its utility to create this compelling and distinctive side table. Each apple box table is completed by a totally unique hand-selected stone top of Capolavoro stone or Etruscan Rose marble. The APPLE BOX side table is elegant and wholly original, and will add a note of whimsy and beauty to any refined interior décor.

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Design Story

Ashley Botten

Ashley Botten

Drawing inspiration from the worlds of architecture, art, food and fashion, Ashley Botten creates thought-provoking, authentic spaces – family homes, multi-generational retreats, inspiring workspaces – people instinctively want to experience. Ashley Botten also commissions and creates distinctive custom furnishings, highly personalized pieces that add a rich emotional current to every room. Founded in 2004, Ashley Botten Design is based in Toronto but at work around the world.

AVENUE ROAD carries a curated assortment of Ashley Botten pieces.

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Effects of charging and perpendicular electric field on the properties of silicene and germanene

Gurel H. H. , Ozcelik V. O. , Ciraci S.

JOURNAL OF PHYSICS-CONDENSED MATTER, cilt.25, 2013 (SCI İndekslerine Giren Dergi)

Using first-principles density functional theory calculations, we showed that electronic and magnetic properties of bare and Ti adatom adsorbed single-layer silicene and germanene, which are charged or subjected to a perpendicular electric field, can be modified to attain new functionalities. In particular, when subjected to a perpendicular electric field, buckled atoms have the symmetry between their planes broken, opening a gap at the Dirac points. The occupation of 3d orbitals of the adsorbed Ti atom changes with charging or applied electric field, inducing significant changes in magnetic moment. We predict neutral silicene uniformly covered by Ti atoms to become a half-metal at a specific value of coverage and hence allow the transport of electrons in one spin direction, but block the opposite direction. These calculated properties, however, exhibit a dependence on the size of the vacuum spacing between periodically repeating silicene and germanene layers, if they are treated using a plane wave basis set within periodic boundary conditions. We clarified the cause of this spurious dependence and show that it can be eliminated by the use of a local orbital basis set.


WARC-Identified-Payload-Type: application/xhtml+xml

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ASN logo
ASN Wikibase Occurrence # 19766
Last updated: 30 January 2020
This information is added by users of ASN. Neither ASN nor the Flight Safety Foundation are responsible for the completeness or correctness of this information. If you feel this information is incomplete or incorrect, you can submit corrected information.

Type:Silhouette image of generic both model; specific model in this crash may look slightly different
Blackburn Botha Mk I
Owner/operator:10 AOS Royal Air Force (10 AOS RAF)
Registration: L6466
C/n / msn:
Fatalities:Fatalities: / Occupants:
Aircraft damage: Written off (damaged beyond repair)
Location:Bridge of Dumfries, Dumfriesshire -   United Kingdom
Phase: En route
Departure airport:
Destination airport:
Forcelanded & undercarriage collapsed after engine failed.

Air Britain RAF Aircraft L1000 - N9999

Revision history:

22-May-2008 19:39 JINX Added
19-Jan-2012 14:26 Nepa Updated [Operator, Source]
02-Aug-2013 14:20 JINX Updated [Operator, Source]
20-Oct-2015 17:34 Jixn Updated [Operator]

Corrections or additions? ... Edit this accident description


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A-V Comparatives discovered comparable results with one hundred percent within the real-world protection tests, and 99.9 percent in its malware test. It was also very good within the firm’s offline malware test detecting 98 percent of the almost 38,000 samples.

In our PCMark 8 benchmark test, our test Pc scored the usual two,538 with out any anti-virus installed, and two,533 with Avira operating. The larger number is much better, which means Avira caused a very minor drop in performance.

In the Handbrake test, Avira caused a slowdown of about 45 seconds within the encoding performance of a 3.8GB HD video file. Usually, the test Computer can total that job having a fresh Windows 10 install in 1 hour, 15 minutes, and 30 seconds. With Avira operating, that time went up to 1 hour, 16 minutes, and 13 seconds. Once more, extremely minor influence for home customers.

Avira 2019 Usb Scan Conclusion

Avira 2019 Usb Scan provides fantastic antivirus protection, but should you spend $45 for it? You definitely get worth in comparison to similarly priced A-V suites. The trouble is that Avira’s totally free option isn’t that various from the paid version. The only thing you don’t get will be the USB important warning (of arguable worth), and web and mail protection.

If you do not use a mail desktop client, the mail protection isn’t much use, and web protection may be covered by a handful of totally free browser extensions alongside a modern browser.

If you need mail protection and/or you just like the concept of the USB key warning, then Avira is a good choice. Otherwise, I’d suggest you attempt out the free version and see if you’re missing something.

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Normal physiologic and immunologic changes of pregnancy increase the pregnant person’s susceptibility to infections. Although data specific to COVID-19 is limited, to date pregnant persons without comorbidities do not seem to be at increased risk for COVID-19 infection or to suffer severe complications or death if they develop COVID-19. AWHONN supports the CDC’s statement that healthcare facilities should consider limiting the exposure of all pregnant healthcare personnel to patients with confirmed or suspected COVID-19 during high-risk procedures, especially those with increased risk of aerosolization. Although it is up to each organization to determine how to best support staffing, it is important to consider offering pregnant personnel the option to redeploy to areas where they would potentially have less exposure to patients with known or suspected COVID-19. In addition, AWHONN supports ACOG’s recommendation that facilities consider assignments not involving direct patient care for pregnant personnel working in areas with increased risk of COVID-19 exposure starting at 37 0/7 weeks gestation or 14 days before anticipated delivery. This strategy may help to decrease the possibility that pregnant personnel have COVID-19 at delivery or that they, or their infants, would be considered persons under investigation. Options for work assignments not involving direct patient care starting at 37 weeks gestation should be considered for pregnant personnel who work in settings with increased risk of exposure, whenever possible.

Educating women on POST-BIRTH warning signs (PBWS) is more important than ever during these unprecedented times. The COVID-19 pandemic is affecting women in ways that may increase the risk for post-birth complications for reasons including earlier hospital discharge, postpartum telehealth visits, and reluctance to obtain care due to concerns about exposure. Especially at this time, careful review of the PBWS with all women before hospital discharge is essential. Nurses should make women aware that certain COVID-19 symptoms, such as fever, shortness of breath (with or without chest pain), and headache are also key post-birth warning signs, and emphasize the need for women to inform health care personnel of recent pregnancy or birth within the last year. This knowledge will help healthcare personnel to differentiate post-birth warning signs from COVID-19.

The risk of postpartum depression may also increase during the pandemic due to isolation or limited support from family and friends. The AWHONN Post-Birth warning signs education includes instructing women to call 911 if they have thoughts of hurting themselves or someone else. Increases in intimate partner violence (IPV) have also been reported. Nurses should help ensure that women are aware of community resources and hotlines providing support for persons experiencing mood disorders or IPV. Nurses are instrumental in helping women feel confident and empowered that during this pandemic, as always, they should trust their instincts and contact their provider when they have any medical concerns.

AWHONN Post-Birth Warning Signs

CDC Symptoms of Coronavirus and When to Seek Medical Care

Postpartum Support International

AWHONN is staying current with CDC guidelines and is committed to doing our part to support our membership during this unprecedented time in history. According to available data, African Americans, Native Americans, and other racial and ethnic minorities in certain regions of the U.S. are suffering COVID-19 complications and deaths disproportionate to their share of the total population. Reasons for disparities include high rates of chronic medical conditions, overrepresentation in essential jobs, lack of access to medical care, and the detrimental effects on the immune system from chronic stress caused by social inequality and implicit bias. We hope that the COVID-19 data on disparities will underscore the need for awareness of the causes of healthcare inequities, identify solutions, and initiate action to inform change.

National organizations vary in recommendations on the use of N95 masks for healthcare personnel caring for women in the second stage of labor. Although there are certain procedures that meet the criteria for generating high concentrations of aerosols, the CDC states data are limited on forceful exhalation during the second stage of labor. Healthcare personnel caring for women in the second stage of labor are in close contact for long periods of time to provide support for breathing and pushing. AWHONN recommends all healthcare personnel wear appropriate PPE during the second stage of labor, including use of N95 masks when caring for women who are known or suspected (PUI) COVID-19. Until universal testing is available, health care personnel should have the option to use N95 masks when caring for all women in the second stage of labor.

AWHONN recognizes the significant psychological, emotional, and physical impacts on nurses that provide patient/family care during and after COVID-19. The Self-Care Resources tab on AWHONN’s COVID page provides a large variety of resources to enhance your self-care and stress management techniques. The resources include screening tools, Apps, tips and strategy guides, handouts about specific health topics, and accessible hotline information. We thank you for the tremendous efforts you implement every day to provide care to others. Please take good care of yourself as well.

Today, the Centers for Medicare & Medicaid Services (CMS) yesterday released additional new waivers related to COVID-19. The waivers apply nationwide and are retroactive to March 1, 2020. Specifically, they waived the requirement that critical access hospitals (CAHs) have a physician physically present to provide medical direction, consultation and supervision. The requirement that a physician be available “through direct radio or telephone communication, or electronic communication for consultation, assistance with medical emergencies, or patient referral” remains. CMS states that this action will allow the physician to perform responsibilities remotely, as appropriate, and also allow CAHs to use nurse practitioners and physician assistants to the fullest extent possible.

Read the full release here.

Normal physiologic and immunologic changes of pregnancy increase the pregnant woman’s susceptibility to infections. However, data specific to COVID-19 is limited. Pregnant women, their fetuses, and newborns may be at an increased risk for morbidity and mortality if COVID-19 is contracted during pregnancy. AWHONN supports the CDC’s statement that healthcare facilities should consider limiting the exposure of pregnant healthcare personnel to patients with confirmed or suspected COVID-19 during high risk procedures especially those with increased risk of aerosolization. It is up to each organization to determine how to best support staffing; however, it is important to consider offering pregnant personnel the option to redeploy to areas where they would potentially have less exposure to patients with known or suspected COVID-19.

During the pandemic, as social distancing increases and people are encouraged to stay at home, the risk of intimate partner violence is also likely to increase. All nurses and healthcare providers should be vigilant to ensure the best practices are used to screen for intimate partner violence, including screening during in-person contact, whenever possible. In addition, nurses and front-line providers may also face challenges and be ostracized from their communities and families due to fear of spread of the virus. Healthcare leaders should develop plans to address the safety and wellness of their health workers.

Some early reports suggested NSAIDS may worsen the course of COVID-19. However given the lack of data, the WHO and the FDA have not advocated for a restriction on NSAID use. A multimodal analgesic approach to pain management may help to decrease or eliminate the use of opioids, specifically after cesarean birth. We recommend taking an individualize approach to consider the use of acetaminophen and ibuprofen for pain management in the post-birth period. Patients with certain morbidities may not benefit from the use of ibuprofen.

Perinatal nurses routinely initiate interventions to maximize fetal oxygenation, including maternal position change, decreasing uterine activity by adjusting or administering medications as ordered, administering intravenous fluids, assisting with amnioinfusion, and modifying pushing techniques. When some or all of these measures have not resulted in improvement of the fetal heart rate pattern, maternal oxygen therapy has been suggested as an additional step. However, consensus on maternal oxygen administration as an intrauterine resuscitative measure is lacking. Since oxygen therapy may aerosolize COVID-19, consideration should be given to not initiating oxygen for fetal resuscitation. Oxygen therapy should still be considered to improve maternal oxygen status, if needed.

Perinatal teams are encouraged to consider the needs of the patients they serve during the COVID 19 pandemic to determine the best options for pain management.  AWHONN encourages those facilities currently offering N2O to check with the manufacturer of their N2O equipment for recommendations for use during the pandemic.  The Society for Obstetric Anesthesia and Perinatology (SOAP) has published this statement as part of their COVID 19 Toolkit: “There is currently insufficient information about the cleaning, filtering, and potential aerosolization of nitrous oxide in labor analgesia systems in the setting of COVID-19. As such, individual labor and delivery units should discuss the relative risks and benefits and consider suspending use.”

The COVID-19 pandemic is an extraordinary situation that is severely increasing the demands on perinatal nurses and hospitals throughout the country.  To promote the health and safety of healthcare personnel and patients, perinatal units may be limiting or excluding support persons for labor and birth. While these limitations will likely help to minimize the spread of COVID-19 among childbearing women, their families, and those providing their care, the limitations can cause concern, anxiety, and even fear for women who have planned for a support person to be with them during labor and in the postpartum period.

Advice to Share with Women:

  • Share the temporary restrictions on support persons as soon as they are in place so women can process this information and make arrangements for virtual contact options.
  • Acknowledge that they may be anxious or scared and reassure them that there will be continuous support from a labor nurse.
  • Recommend and allow women to use a laptop, tablet or phone to connect virtually with their support persons. Be prepared to field requests for assistance in this endeavor and give a response that is reassuring, helpful and reminds them that your first priority is their health and the health of their newborn.
  • Acknowledge the woman’s strength, courage, and bravery as they labor and give birth in the midst of a pandemic.
  • Recognize this may not be the labor and birth they expected or planned for, but it will be memorable in so many ways.

AWHONN Recommendations for Leaders:

Do not schedule elective inductions of labor so that the intensive nursing care (1-to-1) that is required for women receiving oxytocin can be avoided.

Continuous support in labor has been shown to improve birth outcomes for mothers and newborns. Therefore, AWHONN recommends that, whenever possible, attempts be made to provide one-to-one nursing care for laboring women when a unit is not permitting support persons.  However, AWHONN acknowledges the dynamic nature of nurse staffing during the pandemic and acknowledges that hospital administrators and nurse leaders are facing unprecedented challenges ensuing safe nurse staffing for childbearing women as well as all other inpatients.  Adequate nurse staffing is critical to providing safe care to mothers and newborns. AWHONN recognizes that everyone is doing their very best under extremely stressful conditions and has the best interests of mothers and newborns in mind.

During times of healthcare crisis, nurses and providers may be asked to help staff other areas of the organization. Currently, there is no national standard for perinatal and mother/baby nurses floating to other areas. Therefore, it is up to each organization to determine how to best support staffing on a shift to shift basis. We understand you are concerned about transmission of infectious diseases, and it may be helpful to check with your state and county health departments as well as work with your infectious disease team internally. It will be important to review the national recommendations for healthcare workers from the CDC as this situation progresses.

AWHONN recognizes that doula services contribute to the woman’s preparation for and support during childbirth and supports hospital policies that allow for the presence of a doula during a woman’s active labor. AWHONN supports doulas as partners in care and acknowledges their ability to provide physical, emotional, and partner support to women. Each hospital must make decisions that are in the best interests of the health of the hospital team, patients and families. AWHONN nurses are on the frontline of delivering care, and we support those decisions and ask that nurses do all they can to protect themselves in this time of national crisis.

It’s imperative that our members keep abreast of the critical information our physician colleagues are sending to their members.  AWHONN supports this recent statement to suspend elective surgeries until further notice.  “The American College of Obstetricians and Gynecologists joins the American Association of Gynecologic Laparoscopists, American Society for Reproductive Medicine, the American Urogynecologic Society, the Society of Family Planning, the Society of Gynecologic Surgeons, the Society for Maternal-Fetal Medicine, and the Society of Gynecologic Oncology in providing the following recommendations for obstetrician-gynecologists regarding the American College of Surgeons’ statement on elective surgery and the U.S. Surgeon General’s recommendation that hospitals suspend elective surgeries during the COVID-19 pandemic.” Read the Joint Statement on Elective Surgeries.

AWHONN recognizes the need for flexibility in teaching our fetal monitoring programs during this critical time. We also recognize the importance of keeping our front-line nurses healthy, so they are able to care for their patients.

The Fetal Heart Monitoring Task Force is working on solutions-based guidance to share with our fetal monitoring instructors on how, and which parts of each course may be conducted in a virtual manner. More detailed guidance is coming soon. Thank you for your patience.


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There is no additional charge for using features in Lake Formation. Lake Formation helps you build and manage data lakes where your data in stored in Amazon S3. It builds on capabilities available in AWS Glue and uses the Glue Data Catalog, jobs, and crawlers. It also integrates with services like Amazon Cloudtrail, AWS IAM, Amazon CloudWatch, Amazon Athena, Amazon EMR, and Amazon Redshift, and others.

Standard usage rates for these services will apply based on pricing for these services.

AWS Glue pricing

Amazon S3 pricing

Amazon EMR pricing

Amazon Athena pricing

Amazon Redshift pricing

View the Global Regions table to learn more about AWS Lake Formation availability.

Pricing examples

ETL job example: Consider a job of type Apache Spark that runs for 10 minutes and consumes 6 DPUs. The price of 1 DPU-Hour is $0.44. Since your job ran for 1/6th of an hour and consumed 6 DPUs, you will be billed 6 DPUs * 1/6 hour at $0.44 per DPU-Hour or $0.44.

Data catalog free tier example: Let’s consider that you store a million tables in your data catalog in a given month and make a million requests to access these tables. You pay $0 because your usage will be covered under the data catalog free tier. You can store the first million objects and make a million requests per month for free.

Data catalog example: Now consider your storage usage remains the same at one million tables per month, but your requests double to two million requests per month. Let’s say you also use crawlers to find new tables and they run for 30 minutes and consume 2 DPUs.

Your storage cost is still $0, as the storage for your first million tables is free. Your first million requests are also free. You will be billed for one million requests above the free tier, which is $1. Crawlers are billed at $0.44 per DPU-Hour, so you will pay for 2 DPUs * 1/2 hour at $0.44 per DPU-Hour or $0.44. This is a total monthly bill of $1.44.

ML Transforms example: Similar to AWS Glue jobs runs, the cost of running ML Transforms, including FindMatches on your data will vary based on the size of your data, the content of your data, and the number and types of nodes that you use. In the following example, we used FindMatches to integrate points of interest information from multiple data sources. With a data set size of ~11,000,000 rows (1.6GB), a size of Label data (examples of true matches or true no-matches) of ~8,000 rows (641kb), running on 16 instances of type G.2x, then you would have a labelset generation runtime of 34 minutes at a cost of $8.23, a metrics estimation runtime of 11 minutes at a cost of $2.66, and a FindingMatches job execution runtime of 32 minutes at a cost of $7.75.

View the Global Regions table to learn more about AWS Lake Formation availability.

Additional pricing resources

TCO Calculator

Calculate your total cost of ownership (TCO)

AWS Pricing Calculator

Easily calculate your monthly costs with AWS

Economics Resource Center

Additional resources for switching to AWS

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Start building in the console

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Hardened OrangeHRM 3.3.3 on Redhat 7.3

Hardened OrangeHRM 3.3.3 on Redhat 7.3

By: Cognosys Inc. Latest Version: OrangeHRM Redhat 7.3 V1.0.2

Product Overview

Cognosys presents specially hardened & pre-configured OrangeHRM image .This Image is made specially for customers who are looking for deploying a self managed Community edition on Hardened kernel instead of just putting up a vanilla install.

Disclaimer: The respective trademarks mentioned in the offering are owned by the respective companies. We do not provide the commercial license of any of these products. Many of the products have a free, demo or Open Source license as applicable.

OrangeHRM is a human resource management (HRIS) solution that is available as an open source. The functionality includes employee information management, employee absence management, recruitment management, employee performance evaluation and other HR management tools

Kindly note that the instance may take up to 10 minutes to launch from the image before you can access it.

OrangeHRM Redhat 7.3 V1.0.2

Operating System

Linux/Unix, Red Hat Enterprise Linux 7.3

Delivery Methods

  • Amazon Machine Image

Pricing Information

Usage Information

Support Information

Customer Reviews


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Posted On: Feb 26, 2020

Amazon Transcribe is an automatic speech recognition service that you can use to add speech-to-text capability to your applications. Starting today, you can instruct Amazon Transcribe to automatically remove sensitive personally identifiable information (PII) from your transcription results. Amazon Transcribe uses state-of-the-art machine learning technology to accurately identify and remove PII. PII removed includes social security number, credit card/bank account information and contact information such as name, email address, phone number and mailing address. PII redaction enables contact centers to review and share transcripts to improve the customer service experience, coach agents, and discover new business opportunities while maintaining their standards for handling PII.

Contact centers often rely on an agent remembering to pause call recording when collecting sensitive personal information. This approach is error prone and distracts the agent from having a focused conversation with the customer. There are solutions that exist for this problem. However, most of these solutions use a rule-based method that is overly simplistic and removes any number longer than two digits causing over redaction. These solutions also fail to redact non-numeric PII such as names, email addresses and mailing addresses. Other solutions that offer redaction of non-numeric personal information expect well formatted text input and perform poorly on PII in conversational form. Amazon Transcribe’s redaction feature is purpose-built for identifying PII in conversational transcripts and is highly accurate for both numeric and non-numeric PII.

Automatic content redaction is available now for US English with asynchronous transcription jobs in the following AWS regions: US East (N. Virginia), US West (N. California), US East (Ohio), US West (Oregon), Asia Pacific (Mumbai), Asia Pacific (Seoul), Asia Pacific (Singapore), Asia Pacific (Sydney), Asia Pacific (Hong Kong), Asia Pacific (Tokyo), Canada (Central), EU (Frankfurt), EU (Ireland), EU (London), EU (Paris), South America (Sao Paulo), Middle East (Bahrain), and AWS GovCloud (US-West). You will incur additional charges as described in Automatic content redaction pricing. To learn more, see the AWS News Blog post and Amazon Transcribe documentation


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