by admin, on Jul 30, 2012 | category:
Articles |
no comments
One of the most authoritative organizations that researches and comments on insurance matters is the Insurance Institute of Highway Safety. A part of its remit is to monitor the general levels of claims and to make informed predictions based on the trends. As the number of boomers reaching retirement age has been increasing steadily, the IIHS suggested there was likely to be a steady increase in the number of claims made by drivers over the age of 75. At the time, this seems a reasonable assumption. As we age, everyone finds their reflexes slow down and their eyesight is no longer as sharp. Yet the IIHS has now admitted it made the wrong call. In fact the number of accident claims involving the elderly has fallen. In the most recent data covering 2009 through 2010, this trend has continued.
So what has happened to throw off the statistical expectation? Well, score one for the medical profession. Even though the cost of medical care has been rising rapidly, the safety net for our seniors ensures they still have access to good quality treatment. This is helping them stay in better shape. Now add in the fact our seniors are more socially responsible. They know they may be starting to lose their edge so they begin to drive more slowly, and avoid driving at night when they may have greater difficulty is seeing. As the mental faculties also come under pressure, they keep to the routes they know well and generally take greater care. The most responsible go through driving courses designed to help seniors navigate our roads with the least risk. Some modify their vehicles to make them safer.
The cheapest car insurance comes through membership of Carfit. This is a project run jointly by a number of organization representing the interests of the aging. The idea is to offer advice and practical assistance to upgrade skills and make vehicles safer to drive. This reflects the reality that the elderly cannot easily adapt to modern life unless they continue to drive. With insurance companies offering the cheapest car insurance rates as an incentive and occupational therapists to advise, there’s no reason why seniors cannot continue driving without having an accident.
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Product Description
Capacity- 1550.0 cu in / 25.4L: Front utility pocket with organizer keeps essentials handy: Weight: 12 oz. / 0.3 kg: 2/3 padded back panel for cushioning comfort: 600 Denier Polyester
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by admin, on Aug 30, 2010 | category:
Backpacks,
DAKINE,
Girl's,
Pack,
Prom |
2 comments
Product Description
DaKine Women’s Laptop Backpack for street or school.
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by admin, on Aug 28, 2010 | category:
Backpacks,
Backpack,
High,
Sierra |
2 comments
Product Description
From textbooks to sporting gear, Fat Boy’s oversized, multi-compartment design, deluxe organizer and comfortable compression straps make this pack the perfect partner for your heaviest loads.
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by admin, on Aug 27, 2010 | category:
Backpacks,
Backpack,
Classic,
JanSport,
Merit |
2 comments
Amazon.com Product Description
A good backpack surely sits atop the list of campus essentials. Enter the JanSport Merit, a spacious 2,700-cubic-inch backpack that will serve as a student’s closest companion throughout his or her school-age years and beyond. The Merit is outfitted with ergonomic S-curve shoulder straps that follow the natural contours of the body, with a fully padded back panel for increased cushioning comfort. The two large main compartments, meanwhile, can hold everything from books to sack lunches to gym shoes. Add in a 17-inch padded laptop sleeve and dual front utility pockets with an organizer and you have all the storage you need for your daily activities. Other details include side compression straps to help you manage the load and a web loop handle. Made of 600-denier polyester, the Merit measures 13 by 18.5 by 11.4 inches (W x H x D) and weighs 1 pound 7 ounces.
About JanSport
For more than 30 years, JanSport has created products to help you carry the stuff you need, where you need it, in the most functional and fashionable way possible. JanSport’s success extends across the globe, where they have become a leading designer and manufacturer of durable backpacks, luggage and gear. The company is headquartered in Appleton, Wisconsin, and has offices in the United States and Europe.
Manufacturer’s Warranty
JanSport Outdoor Equipment is warranted to be free from defects in materials and workmanship for the life of the product. The warranty applies when the product is used for the purpose intended, under normal conditions, and does not apply to damages caused by typical wear and tear, unreasonable use, or neglect.
Product Description
The Merit is a large capacity pack with a laptop sleeve. You can fill it to the brim and it’s still easy to carry
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Amazon.com Product Description
A good backpack surely sits atop the list of campus essentials. Enter the JanSport Kilowatt, a 2,100-cubic-inch backpack that will serve as a student’s closest companion throughout his or her school-age years and beyond. The Kilowatt offers dual AirCore shoulder straps made of comfortable dual-density foam, with breathable mesh back straps for increased air circulation. The backpack’s large main compartment, meanwhile, can hold everything from books to sack lunches to gym shoes. Add in a front organizer compartment with utility storage pockets and an easy-access V-loft pocket and you have all the storage you need for on-the-go activities.
Other details include a fully padded back panel with molded foam cushioning pods for increased comfort and ventilation, easy-to-grab speed toggle zipper pulls, and a front D-ring clip. Made of polyester hex ripstop, 800-denier polyester ballistic, and scorpion cloth materials, the Kilowatt measures 13.5 by 19.8 by 6 inches (W x H x D) and weighs 1 pound.
About JanSport
For more than 30 years, JanSport has created products to help you carry the stuff you need, where you need it, in the most functional and fashionable way possible. JanSport’s success extends across the globe, where they have become a leading designer and manufacturer of durable backpacks, luggage and gear. The company is headquartered in Appleton, Wisconsin, and has offices in the United States and Europe.
Manufacturer’s Warranty
JanSport Outdoor Equipment is warranted to be free from defects in materials and workmanship for the life of the product. The warranty applies when the product is used for the purpose intended, under normal conditions, and does not apply to damages caused by typical wear and tear, unreasonable use, or neglect.
Product Description
Front organizer compartment with utility storage Compact and organized, this pack keeps everything in check. Front organizer compartment with utility storage pockets and Fully padded back panel with molded foam cushioning pods for increased comfort and ventilation.
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Product Description
The Explorer 4000 is packed with features normally found only on more expensive backpacks. A full length adjustable torso allows this pack to be adjusted for those 5’1″ all the way up to 6’4″. The padded back and airflow system provides padding in the perfect spots while allowing substantial airflow to prevent your back from getting too hot. Its contoured shoulder, lumbar, and hip pads help ensure a comfortable trip. The Explorer4000 also features a padded water bladder pocket for your favorite water bladder up to 3 liters in size. Side zippered pockets, mesh pockets, and a top zippered pocket provide plenty of room for smaller accessories. There’s even two spots for walking sticks. A top-loading main compartment and a sleeping bag compartment complete the pack. Includes bright yellow attached rain fly and is hydration system ready.
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by admin, on Dec 15, 2009 | category:
Articles |
no comments
There’s a sad fact about playing in a casino, whether real or virtual. The operators have worked out how to play the games on offer and set the odds to favor themselves. After all, if the majority did not lose, there would be no money to pay out all the money you win. Needless to say, the casinos have invested time and money into working out every possible variation on the rules and the ways to play under them. So, if you are going to take on the House edge, you have to become as big an expert on the rules as the operators. So let’s start with one of the more interesting rules which decides when you are allowed to double down. This applies when you have received your two cards. If you decide you are going to draw only one more card, the casino rules can allow you to double your initial bet. The different possibilities are to double:
- on any card combination;
- only when the two cards total 9, 10 or 11; or
- after splitting.
Why should you double your bet? The answer is deceptively simple. You double the bet when you think you are going to beat the Dealer. That really does make sense. But because you are suddenly investing more money in playing the game and have more to lose, you need to get on board with the math. You need to know the frequency with which the Dealer is likely to go bust based on the card you can see. If the Dealer’s card suggests a bust is probable, i.e. the Dealer’s hand is weak, you double the bet when you have a strong hand. You are maximizing the chance of making a good profit on the hand. If you build the doubling rule into your basic strategy, you reduce the House edge. If you refuse to play the doubling rule, the House edge actually increases. This is not to claim you will win every hand when you double down. If you are on a losing streak, you could lose every doubled bet for the session. But, in the long term, you will win more than you lose if you double. If you hesitate to double the bet, it suggests you are outside your comfort zone and already playing for higher stakes than you can afford.
At the blackjack table, the Dealer is weakest when showing a card in the range 2 through 6. With a 2, the bust percentage is 35%. It rises to a 42% chance of busting with a 5 or 6. Your hand is strongest if the two card total is less than 11. Do not be thrown off the basic strategy by the casinos that allow you to add less than the original bet. Blackjack is a game for winners. Never give up the chance to double and take the maximum win against the Dealer. Adding a few dollars to the original bet but not doubling is half-hearted and cowardly.