The Point System Why Minor Traffic Violations Can Have A Major Effect On Your Insurance Premium

October 31st, 2022

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The Point System – Why Minor Traffic Violations Can Have a Major Effect on Your Insurance Premium

by

Laura Ginn

Did you know that simply being pulled over for one traffic violation can have an adverse effect on your insurance premium? In most U.S. states, receiving so much as a minor speeding ticket can result in an increase in your premium.

The Traffic Violation Point System

Most states have implemented a point system to deal with traffic violations. Under the point system, every traffic violation is assigned a certain number of points based upon the severity of the infringement. Minor offenses are given one or two points, while severe offenses receive five, six, or seven. For example, speeding 15 miles per hour above the speed limit on a highway might be a two point violation, while speeding in a school zone might warrant five or six points because of the increased risk involved. An alternative point system attaches only one or two points to each offense. Under both systems, the specific point values of each offense vary from state to state.

When a driver is pulled over for a traffic offense, the police officer will add the point value of the driver s violation to his record. Every driver has a record attached to his license with a point value. Drivers with no violations have a zero, while especially reckless (or especially unlucky) drivers will have high point values.

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Usually, points are good things to have. In the game of driving, however, you ll want to avoid them. Every state that uses a point system also has a point threshold in place beyond which the driver s license is automatically suspended or revoked. This point threshold is typically either four points in one year (if the state uses the one or two point system) or around 12 to 16 points within a period of three years. As with specific point values, point thresholds vary from state to state, but it s typically the case that two to three severe offenses or four to seven minor offenses will result in suspension or revocation.

The Effect Of Traffic Violation Points On Your Insurance Premium

You might be thinking that having a point or two on your license is no big deal. After all, until you reach your state s point threshold, the authorities can t take your license, right?

This is true. However, you ll still want to avoid having even one or two points on your license because of the financial penalties that are attached.

When you re pulled over and ticketed, your auto insurance company receives a notice detailing your offense and the points that have been added to your license. In response, the insurance company will almost invariably bump up your premium. This increase is typically very minor after receiving one or two points, but as the points add up, a modest increase can turn into a major spike. In extreme cases, your insurance provider may cancel your policy altogether.

How To Avoid Receiving Points On Your License And Keep Your Insurance Premium Low

Avoiding the ill effects of the traffic violation point system is simple: don t break the rules of the road. Don t run lights, don t pass illegally, don t be needlessly aggressive and don t speed (especially in residential areas and school zones.) It s all too easy to write off one or two tickets, and some drivers might not even mind paying slightly more per month for the privilege of driving carelessly. If you re an especially bad driver, however, those tickets and the points that come with them will quickly add up until you find yourself sitting at home without insurance and, possibly, without a license.

So be smart and drive safely. It s good for both your health and your pocketbook.

Whether you are looking for

new driver car insurance

or over 50 s car insurance, keep in mind that any previous points on your license will make a difference to the cost of your policy. If you are a new driver, Laura recommends trying to drive as carefully as possible to avoid problems in the future.

Article Source:

ArticleRich.com

Severe smog blankets Moscow

October 28th, 2022

Wednesday, July 28, 2010

Hot weather and peat fires near Moscow have created the worst smog in the city in almost a decade, with pollution levels around ten times higher than is considered safe.

At least 43 peat fires have erupted in rural regions to the east and south of the city, and temperatures only 0.1 degrees Celsius less than the record high of 34.7 degrees, set Monday, have led to a thick cloud of smog settling over the city.

According to pulmonologist Alexander Chuchalin, breathing the smog is equivalent “to the effect of two packs of cigarettes smoked within three or four hours.”

Scientists predict that several hundred people may die as a result of the smog; Vladimir Kuznetsov of the Independent Center for Environmental Policy said that “[t]here will be sad news for some people with severe allergies, heart conditions, asthma, other breathing conditions and the like.”

Numerous buildings in Moscow, particularly those dating from the era of the Soviet Union, lack air-conditioning, which makes it particularly difficult to combat the smog.

Temperatures are predicted to begin cooling by the weekend, and smog is expected to begin dissipating by the end of this week, although traces could remain for a few weeks.

Retrieved from “https://en.wikinews.org/w/index.php?title=Severe_smog_blankets_Moscow&oldid=4051236”

Blown for Good author discusses life inside international headquarters of Scientology

October 26th, 2022

Friday, November 13, 2009

Wikinews interviewed author Marc Headley about his new book Blown for Good, and asked him about life inside the international headquarters of Scientology known as “Gold Base“, located in Gilman Hot Springs near Hemet, California. Headley joined the organization at age seven when his mother became a member, and worked at Scientology’s international management headquarters for several years before leaving in 2005.

Retrieved from “https://en.wikinews.org/w/index.php?title=Blown_for_Good_author_discusses_life_inside_international_headquarters_of_Scientology&oldid=1659358”

Create You Own Tales At A Hotel In Canterbury}

October 25th, 2022

Submitted by: Landon Colins

In a timeless classic, Theseus, the duke of Athens, imprisoned the knights, Arcite and Palamon. Though the two were bossom friends, they despised each other after they saw the lovely Emily, the sister of a queen. After getting out of prison, Arcite and Palamon vied for the heart of Emily, almost killing each other in the process. Theseus then planned a tournament to determine who would win Emily. Both knights hoped for victory, but Emily hoped that only the man who truly loved her would win. Arcite won first place in the tournament, but then died before marrying Emily. So Palamon wed her. This poem of chivalry and moral dilemmas is one of the many that you could enjoy while staying in a hotel in Canterbury.

Tale of the Tales

“Canterbury Tales” is Geoffrey Chaucer’s uncompleted masterpiece of the late 1300s. It focuses on various pilgrims who have gathered at the Tabard Inn in Southwark, London. Some of the memorable characters include a scholar-clerk, an uppity prioress, and a knight who has seen more than one “tour of duty.” They are all journeying to Thomas Becket’s shrine at Canterbury. The knights of King Henry II killed Becket after he opposed the king’s bid to control the English church. The travellers are kicking back by telling 24 tales, most of them in the form of poetry. Some are about everyday English life, while others are very romantic. Today, by touring Canterbury and staying in a hotel in Canterbury, you can create your own poetry in motion even while you rest.

Canterbury Churches

Canterbury is a historic city in the southeast area of England. It is the home of the Archbishop of Canterbury-England’s most important religious figure, and the head of the Church of England. Between your times at a hotel in Canterbury, several sites in Canterbury could be the subject of your own original poetry.

[youtube]http://www.youtube.com/watch?v=i8ahm6WK4-s[/youtube]

* Canterbury Cathedral remains one of England’s oldest and best known Christian structures in the U.K. It is the Cathedral of the Anglican Archbishop of Canterbury, the Church of England’s religious leader. The building contains the Chair of St. Augustine, and is famous for the murder of Thomas Becket-an enemy of King Henry II. Becket’s story inspired Geoffrey Chaucer to write “Canterbury Tales.”

* St. Dustan’s is a church dedicated to an Archbishop of Canterbury. Here, the English statesman, lawyer, and author Thomas More is buried.

* St. Augustine’s Abbey – named for the first Archbishop of Canterbury – was once a Benedictine abbey. An abbey is a church with buildings attached to it. This building is where monks and nuns live. “Benedictine” refers to Benedict, the Italian saint.

Perfect for Poetry

After spending a day touring Canterbury, you might be inspired to try your own hand at writing poetry. A hotel in Canterbury is the perfect place to do that. You can find a hotel in Canterbury surrounded by a scenic countryside, which provides a friendly environment. In particular, hotels have amenities, such as medieval fireplaces and antique furniture that can be found in restaurants and lounges. These features will make your stay cozier.

Canterbury is a magical place that has inspired poets like Geoffrey Chaucer. After touring the city and returning to your hotel in Canterbury, you may feel like writing your own poetry of Canterbury tales.

About the Author: A stay at a

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Source:

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Wikinews international report: “Anonymous” holds anti-Scientology protests worldwide

October 22nd, 2022

Sunday, February 10, 2008

The Internet group Project Chanology today held protests critical of the Church of Scientology. The protests marked what would have been the 49th birthday of Lisa McPherson, who is claimed to be a victim of the Church of Scientology’s practices. Lisa died in 1995 during a running of what Scientologists refer to as an Introspection Rundown, a procedure intended to help Church members deal with a psychotic or deeply traumatic event.

Protests were planned throughout the day in 14 countries and over 50 different cities. The estimation of total protesters world wide for Feb. 10, 2008 is 9,250 people.

Wikinews had correspondents at a number of protest locations to report on the events. This article was updated throughout the day with reports from around the globe.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_international_report:_%22Anonymous%22_holds_anti-Scientology_protests_worldwide&oldid=4462724”

What Are The Common Dental Problems Treated By A Dentist In Magnolia

October 21st, 2022

byAlma Abell

A dentist can help provide a line of defense against dental problems. Oral health is critical at all stages in life right from the young age to adult and senior age. If you maintain a proper oral hygiene and seek timely treatment, you can prevent many complications and diseases that arise due to poor oral health. A person with poor oral health may experience problems with their self-esteem, appearance, sleep, behavior as well as developmental problems among children. Making a point to regularly visit a Dentist In Magnolia will ensure that you receive timely checkups and screening for any possible decay of tooth and development of gum disease. Untreated cavities cause pain and give way for infections. Seek medical attention in case you are having the following dental problems:

Dental caries:

This is an infectious disease that affects teeth and results to the destruction of calcified tissue. It is among the common causes of tooth loss and can affect anyone at any stage. This disease can cause severe pain in its late stages.

[youtube]http://www.youtube.com/watch?v=uYNO8yElswk[/youtube]

Dental plaque:

Dental plaque occurs as a thin tenacious film on the surfaces of teeth. The presence of microbes in dental plaque causes fermentation of carbohydrates to release acids, which result to demineralization and disintegration of organic substances of a person’s teeth. Dental plaque can cause gum disease.

Deformities:

The teeth can suffer from physical impacts and accidents causing chipping, fractures, and flaking. Habits like using teeth as tools and grinding can wear them out leading to deformities. Visit website for more details.

Missing tooth:

Tooth decay and physical impacts can cause missing tooth. If you have a missing tooth, it might cause bone loss and shift of the remaining teeth.

Sensitivity:

If cold or hot food and drinks are making you wince, then you have sensitive teeth. Sensitivity can be caused by fractured teeth, tooth decay, gum disease, exposed tooth root, and worn fillings.

A Dentist In Magnolia can examine your mouth, teeth and gums to detect any deformities, diseases, or plaque and offer the right treatment and preventive care procedures. Gentle Dental Care has specialized dentists who can handle common dental problems and offer appropriate treatment as well as cosmetic procedures to enhance your smile and health by protecting your oral cavity, correcting deformities and treating diseases.

Indonesian parliament approves privatising of three major state firms

October 20th, 2022

Saturday, September 20, 2008

The parliament of Indonesia has approved government plans to make an Initial Public Offering (IPO) of shares in three major state-owned firms, privatising them. They are steelmaker Krakatau Steel, Bank Tabungan Negara (BTN) and national flag carrier Garuda Indonesia.

The parliament has left the process fully in the hands of the government, and has set the maximum stake to be sold at 30% for BTN and Krakatau, and 40% for Garuda. Although Indonesia has been known to fund budget deficits with privatisation, the intention is for the funds from this scheme to go to the businesses themselves to allow expansion.

Krakatau expects 3.2 trillion Rupiah (IDR) from the sale, while the estimated price for their stock is between IDR3 and IDR4 trillion (321 – 428 million USD). Both ArcelorMittal SA, the biggest steelmaker in the world, and BlueScope Steel Ltd, the largest in Australia, have expressed an interest in the IPO. Krakatau will use the funds to help finance an expansion scheme which aims to have production doubled to five million tonnes in 2011.

BTN, which focuses on home owner loans, has set itself a target income of IDR36.12 trillion (3.86 billion USD) in 2010 compared to a projected IDR22.9 trillion ( 2.45 billion USD) this year. Net profit for this year is projected at IDR472 billion (50.5 million USD)and is hoped to rise to IDR1.39 trillion (148.7 million USD) in 2010. The bank’s loan to deposit ratio is predicted to rise from 105.05% this year to 144.93% in 2012. BTN hopes to conduct its IPO before the end of 2008.

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Garuda is not quite 100% state-owned to start with, unlike the other two, but is very close with 95.44% of the company belonging to the government. Like all of Indonesia’s 51 airlines, Garuda is on the list of air carriers banned in the EU due to safety concerns raised after a string of air accidents in the nation. Garuda expects to raise IDR4.2 trillion (449.4 million USD) in funds from the IPO, and will use IDR2.5 trillion (267.5 million USD) to pay off its debts and invest IDR1.7 trillion (181.9 million USD) in new aircraft.

The government is still working to get a deal to make IPOs for architectural firm Yodya Karya and three plantation firms called Perkebunan Nusantara III, IV and VII.

Retrieved from “https://en.wikinews.org/w/index.php?title=Indonesian_parliament_approves_privatising_of_three_major_state_firms&oldid=1100303”

Afghan women’s rights official shot dead

October 19th, 2022

Tuesday, September 26, 2006

Safia Ahmed-jan, the director of the Afghan Ministry of Women’s Affairs for the Khandahar province and an advocate of women’s rights and a strong critic of the Taliban‘s repression of those rights, was shot dead by unidentified gunmen outside her home in Khandahar city in southern Afghanistan on Monday.

Safia Ama-jan, as she was known locally, is the first woman official to be targeted by the Taliban-led insurgency since it was deposed in 2001.

Safia Ahmed-jan taught at a girls’ school and was a high-school principal in Khandahar prior to the Taliban’s 1996 rise to power in Afghanistan. When the Taliban regime banned education for girls and forbade women from working outside the home, she ran an underground school for girls at her home, said her son Naqibullah, speaking to the Associated Press.

After the Taliban government was overthrown in 2001, Ahmed-jan became the provincial chief for women’s affairs in 2002, when the ministry was established and has since then held that position, worked for women’s rights and particularly, championed the cause of educating girls. Her secretary, Abdullah Khan told Associated Press that among her most successful projects were the vocational training schools she opened in Khandahar, where almost 1000 women were taught baking, tailoring and other skills.

Ahmed-jan has also been fiercely critical of the repression of women during the Taliban rule, in a region that has remained conservative and emerged as a hotbed of the Taliban’s insurgent activity. Her requests for personal security guards and transport went unheeded by the government, according to local media reports, though her nephew, Muhammad Asif told the New York Times that Ahmed-jan preferred to keep a low profile and used a taxi or public transport even though her office maintained cars and drivers.

Ahmed-jan was shot dead outside her house at about 7:30 a.m. local time (UTC+4:30) on Monday, as she left for work in a taxi. The gunmen are believed to have left scene on a motorcycle, and tyre marks have been found by the police, said the provincial governor Asadullah Khaled, who visited the scene of the attack.

Ahmed-jan was shot four times with a pistol, Muhammad Haidar, who worked in her office told the New York Times. Mohammad Nader, the head nurse at Khandahar’s main hospital where Ahmed-jan was taken to, confirmed to the Chicago Tribune that she was shot four times, including once in the head.

She was about 65 years old.

Accounts of the shooting are sketchy, several reports suggesting no one witnessed it. However, one man, identified as Allaudin told Al Jazeera that he saw two men on motorcycles waiting on the road, who attacked Ahmed-jan as she left her house.

A spokesman for the Khandahar governor, Daud Ahmadi confirmed the death and said that Ahmed-jan had died on the spot. An investigation into the attack has begun, and local officials have blamed the Taliban.

Hundreds of men and women, including the Governor Asadullah Khaled were present at Ahmed-jan’s funeral on Monday evening, which took place in Khandahar’s main Shia mosque.

The killing has been strongly condemned by the Afghan President Hamid Karzai as well as aid and human rights organisations in Afghanistan.

Aleem Siddique, a spokesman for the United Nations Assistance Mission in Afghanistan (UNAMA), said that UNAMA was “appalled at the senseless murder” of a woman who was working to ensure a full and equal part in the future of Afghanistan for its women. He added, “We share the sentiment of the majority of Afghan people who are appalled at this killing.”

Abdul Quadar Noorzai, head of the Afghan Independent Human Rights Commission (AIHRC) for the Khandahar region told IRIN News that Ahmed-jan’s death will have a “serious impact on women’s activities in the south where women are already suffering from … the deteriorating security and conservative traditions,”.

Fariba Ahmedi, a woman MP from Khandahar who was present at Ahmed-jan’s funeral told the Associated Press, “The enemy of Afghanistan killed her, but they should know it will not derail women from the path we are on. We will continue on our way,”.

Sonja Bachmann, a U.N. political officer who knew Ahmed-jan well told the New York Times that Ahmed-jan “did a good job, she worked in a very low-key way and worked hard to raise awareness about women’s issues.”

Reuters and Associated Press received phone calls, claiming responsibility for the attacks on behalf of Mullah Sadullah, a regional Taliban commander, but no confirmation of the claim has been possible.

Another caller, who identified himself as Taliban commander Mullah Hayat Khan told Al Jazeera that Ahmed-jan was killed because she worked for the government.

The Taliban-led insurgency has stepped up attacks in recent months, killing hundreds of people this year.

Last week, 19 Afghans working for reconstruction projects in the region were killed after their bus was ambushed.The Governor of Paktia province, a close associate of President Karzai, was killed in a suicide bombing on September 10.

Attacks on schools have also been stepped up. According to the Afghan education ministry, there have been 158 attacks on schools this year, compared to 146 last year. The attacks on schools are believed to be due partly to the Taliban’s opposition to educating girls, as well as a way to undermine the Afghan government and it’s reconstruction efforts.

Twelve suspected militants and two Afghan police officers were reported killed on Monday in separate incidents which also left eight others and a U.S. soldier wounded.

“People are scared, of course,” Ahmad-jan’s co-worker Haidar said, “How can we feel secure when the head of our department is killed in front of her house?”

Retrieved from “https://en.wikinews.org/w/index.php?title=Afghan_women%27s_rights_official_shot_dead&oldid=1985139”

Wikinews’ overview of the year 2007

October 17th, 2022

Monday, December 31, 2007

What would you tell your grandchildren about 2007 if they asked you about it in, let’s say, 20 year’s time? If the answer to a quiz question was 2007, what would the question be? The year that you first signed on to Facebook? The year Britney Spears and Amy Winehouse fell apart? The year author Kurt Vonnegut or mime Marcel Marceau died, both at 84?

Let’s take a look at some of the international stories of 2007. Links to the original Wikinews articles are in bold.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews%27_overview_of_the_year_2007&oldid=4678722”

5 Safety Tips For Sending Money Online To India With Proper Merchant

October 16th, 2022

Have you been planning to send money online to India? It can be a risky affair to send a huge amount from one country to another with the help of online remittance services. If you want the money to reach safely and timely to your friends or family in India, here are top 5 safety tips that you need to follow. These tips will not only ensure that the money is in safe hands but also help you avoid misuse of your personal information such as card number or bank details.

  1. The device you are using for online remittance needs to be safe. For instance, if you are using your laptop or your smart phone to make a transfer, make sure it is secure and malware-free. There are certain malware that can easily pull your personal details including bank account number and card details so; the device you use for logging in to your online account should be security scanned and safe from any malicious software.
  2. Always choose a reputed online remittance agency that has been into business for many years. With so many remittance websites out there, it can be difficult to choose the right one if you don’t do some research. You can ask for recommendations if you have friends or colleagues who send money through an online agency. A good agency will not only ensure quick and hassle-free transfer of money but also offer the best security system to keep your money safe till it doesn’t reach the beneficiary.
  3. Password protection is the third most important safety tip when you transfer money to India. You must have a strong password for accessing the online service for money transfer. This is because password theft has become common on the internet. Due to this theft, many people have compromised on their financial security. Always have different passwords for different accounts. For instance, don’t have the same password for your email account as well as bank account. Even if you lose one password, your other account will be safe for use later.
  4. It is important to save or print the receipts of the transfers you have made. This is because in case something goes wrong, you can use the reference number or other details from the transaction as a proof for payment. This will help resolve issues easily, if any. Reputed money transfer firms on the internet always email a receipt of the transfer to the money sender once the transaction is completed. You should always save these details for future use or reference.

It is strongly recommended to send money to people in India whom you know. In case there is someone you need to make a payment to, it would be advisable to send the money to your family and they can give it to that person, as and when required. Also, beware of spam emails in which people ask you to wire them money for a specific job or purpose.

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