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Companies that issue auto insurance policies determine their rates by analyzing the amount of risk that is posed by a driver -- the lower the risk, the lower the premium rate. Unfortunately for some motorists, certain unchangeable factors flag them as "high risk" and inhibit their ability to enjoy the lowest premiums offered by an insurance carrier. Many teenagers encounter this harsh reality upon setting out to find a first policy. Young drivers have minimal experience behind the wheel, and it will take some comparison shopping to find an insurer that will take on such ...

Healthcare research firm KLAS today announced the addition of five new members to the company's Advisory Board, which provides ongoing governance and strategic guidance to KLAS. The new board members are: - Dr. Alastair MacGregor, senior vice president and chief medical information officer for Methodist Le Bonheur Healthcare in Memphis, Tennessee - Edward Marx, senior vice president and chief information officer for Texas Health Resources in Arlington, Texas - Kara Marx, chief information officer for Methodist Hospital of Southern California in Arcadia, California - ...

Women-owned small business ATD-American announces extended sales department hours in September to better serve their Federal Government customers with fiscal year-end purchases of General Services Administration (GSA) approved office furniture and office chairs. ATD is an easy resource for all of those last-minute purchases of government office furniture. Throughout the month of September, experienced members of the ATD sales team will be available during early morning and late evening hours to assist buyers. Go to GSA Approved Federal Government Office Furniture for ...

Bruegger's is celebrating fall with perfect combinations for breakfast and lunch. For a limited time only, the 295-unit bakery cafe operator will offer a new value option for breakfast - Bruegger's popular Egg and Cheese Bagel Sandwich, available with bacon, ham or sausage along with a 16 oz glass of fresh, not from concentrate, orange juice for just $4.99. Guests may also choose to order the sandwich with egg whites for a health-conscious option. The new combination is designed to meet the needs of Americans who are increasingly busy, and more likely to grab breakfast ...

Hot Dawgz & Hand Rails (HD&HR), the official kickoff to the 2010-2011 So. Cal ski and snowboard season, returns to Bear Mountain Saturday, September 18. The free event features some of the world's best pro snowboarders competing on 110 tons of snow for a shot at the $14,000 cash purse in the Pro Invitational Rail Jam. The Red Bull Best Trick Contest will offer up an additional $5,000 for the men's winner and $1,000 for ladies, bringing the total contest purse to $20,000. The event also includes a vendor booth city offering autograph signings and product giveaways, live ...

If you have partitions on your computer's hard drive, then it is not exactly the same but serves same purpose as having different hard drives. According to Aomei Technology, one of the primary objectives to have a partition in your hard drive is to distinguish an operating system from user work and data files. By doing this the user's files remain intact even if you have to reinstall the operating system files. Also, if you are preparing a single disk as a multi-boot set up, then you must have different partitions for every system. Many users might opt for Windows built-in ...

Leading rakeback affiliate, RakeTheRake, today announced it will have shared out $80 million dollars in rakeback to its online poker players by the end of the month. This astounding figure demonstrates the growth in popularity of online poker and the active nature of its players. By way of a bonus, RakeTheRake is holding a Rush Poker tournament for its players on Sunday 11 September with an $800 prize pool. Another method to gain some extra cash is to follow in the footsteps of Van Halen legend Sammy Hagar who sold 80% of his tequila brand, Cabo Wabo, netting him ...

LV= Asset Management (LVAM), the fund management arm of insurance, investment and pensions group LV=, is enhancing its LV= European ex-UK Growth Fund with the addition of a Sterling hedged share class, in response to growing demand from institutional and discretionary clients. The new Institutional Income GBP Hedged Share Class is a further designation of the Institutional Income Share Class launched last month. It allows clients to mitigate currency risk on their investments but also to express any strong currency views by providing for free switching between hedged ...

Debenhams has reported that sales of swimsuit styles which are traditionally associated with the under 30s are soaring thanks to role model glamour-grannies like Helen Mirren and Goldie Hawn taking the plunge. So strong is the trend that swimwear buyers have dubbed the skimpy beachwear the 'grankini'. Sales of bikinis at fashion retailer Debenhams have risen by 118% driven by women who were ironically born around the time of the two-piece's invention in 1946. When Debenhams customers between the ages of 50 and 65 were asked what style of swimwear they take on holiday, ...

The arrival of A Level results marks the scramble to fill university places across the UK. While most first year students get ready to settle into halls, some freshers will join their second or third year counterparts in opting for privately owned housing, boosting the local market, according to new analysis from Lloyds TSB. More than half (60%) of university towns across the UK have seen house price growth outperform the region in the past 5 years, with the biggest increases appearing in towns that have seen a real uplift in the number of students over the same time. - ...

"gwiggle", the baby book iPhone app, makes parenting all the more fun and easy to capture and maintain records of those precious moments with your little darling. Traditionally, baby books have been extremely popular among parents as they help them record those special moments with their children - gwiggle, now adds the interactivity to your baby book and brings it to your iPhone. "There are some parenting apps in the app store but hardly any baby book apps and we thought it would be exciting, fun and easy if we could keep a record of our kids growing up right on ...

Something has been eating Charlie Kerfoot's doughnut, and all fingers point to a European mollusk about the size of a fat lima bean. No one knew about the doughnut in southern Lake Michigan, much less the mollusk, until Michigan Technological University biologist W. Charles Kerfoot and his research team first saw it in 1998. That's because scientists have always been wary of launching their research vessels on any of the shipwreck-studded Great Lakes in winter. But NASA's new Sea-viewing Wide Field-of-view Sensor (SeaWiFS) Project was giving scientists a safer way to ...

CORVALLIS, Ore. – An Oregon State University research program has returned to Collier Glacier for the first time in almost 20 years and found that the glacier has decreased more than 20 percent from its size in the late 1980s. The findings are consistent with glacial retreat all over the world and provide some of the critical data needed to help quantify the effects of global change on glacier retreat and associated sea level rise. Flowing down the flanks of the Three Sisters in the central Oregon Cascade Range, Collier Glacier is at an elevation of more than 7,000 ...

LOS ANGELES (Sept. 6, 2010) – In the first human study of its kind to be published in more than 35 years, researchers found psilocybin, an hallucinogen which occurs naturally in "magic mushrooms," can safely improve the moods of patients with advanced-stage cancer and anxiety, according to an article published online today in the Archives of General Psychiatry. Patients enrolled in the study at the Los Angeles Biomedical Research Institute at Harbor-UCLA Medical Center (LA BioMed) demonstrated improvement of mood and reduction of anxiety up to six months after undergoing ...

Cancer is a difficult disease to treat because it's a personal disease. Each case is unique and based on a combination of environmental and genetic factors. Conventional chemotherapy employs treatment with one or more drugs, assuming that these medicines are able to both "diagnose" and "treat" the affected cells. Many of the side effects experienced by chemotherapy patients are due to the fact that the drugs they are taking aren't selective enough. For instance, taking a drug that targets fast-growing tumor cells frequently results in hair loss, because cells in the ...

Patients with early-stage schizophrenia who receive a combination of medication and a psychosocial intervention appear less likely to discontinue treatment or relapse—and may have improved insight, quality of life and social functioning—than those taking medication alone, according to a report in the September issue of Archives of General Psychiatry, one of the JAMA/Archives journals. Antipsychotic drugs are the mainstay of therapy for patients with schizophrenia, but long-term therapy is associated with adverse effects and poor adherence, according to background information ...

Children and teens with higher blood levels of chemicals used in the production of non-stick cookware and waterproof fabrics appear more likely to have elevated total and LDL cholesterol levels, according to a report in the September issue of Archives of Pediatrics & Adolescent Medicine, one of the JAMA/Archives journals. Humans are exposed to the man-made compounds known as perfluoroalkyl acids—including perfluorooctanoic acid (PFOA) and perfluorooctanesulfonate (PFOS)—through drinking water, dust, food packaging, breast milk, cord blood, microwave popcorn, air and occupational ...

More than one-third of mothers and about one-fifth of fathers in the United Kingdom appear to experience an episode of depression between their child's birth and 12th year of age, with the highest rates in the first year after birth, according to a report posted online today that will appear in the November print issue of Archives of Pediatrics & Adolescent Medicine, one of the JAMA/Archives journals. "Depression in parents is associated with adverse behavioral, developmental and cognitive outcomes in their children," the authors write as background information in the ...

Gland, Switzerland - Russian oil and gas company Rosneft is conducting oil and gas exploration work that may have caused the critically endangered western gray whale to flee its main feeding ground. Tests and offshore installment of equipment by Rosneft for a major seismic survey began in late August, despite repeated calls from 12 governments, NGOs, scientists and the public to postpone the survey because of potential risks to the whales. Rosneft started preparations for the survey last month near Sakhalin Island even though a small number of western gray whales ...

A mathematical tool known as a Monte Carlo analysis could help improve the way X-rays are used for mammography and reduce the number of breast cancers missed by the technique as well as avoiding false positives, according to research published this month in the International Journal of Low Radiation. Worldwide, breast cancer represents one in ten of all cancers among women, with the exception of skin cancer, making it the most common form of non-skin cancer. It is the fifth most common cause of cancer death accounting for more than half a million deaths worldwide. The ...

Even though organic methods may increase farm biodiversity, a combination of conventional farming and protected areas could sometimes be a better way to maintain food production and protect wildlife. The findings come from a study of butterfly populations in UK landscapes by scientists at the Universities of Leeds and York. They found that organic farms have more butterflies than conventional farms, but that a conventional farm plus an area specifically managed for wildlife could support more butterflies, and produce the same amount of food, from the same area of land. ...

Cockroaches could be more of a health benefit than a health hazard according to scientists from The University of Nottingham. Experts from the School of Veterinary Medicine and Science have discovered powerful antibiotic properties in the brains of cockroaches and locusts which could lead to novel treatments for multi-drug resistant bacterial infections. They found that the tissues of the brain and nervous system of the insects were able to kill more than 90 per cent of MRSA and pathogenic Escherichia coli, without harming human cells. Simon Lee, a postgraduate researcher ...

In 2009, newly installed photovoltaic (PV) cells world-wide produced a peak amount of electricity estimated at 7.4 GW, out of which 5.8 GW was located in Europe. Similarly to previous years, this shows the EU's dominance, where more than three quarters of the world's new solar systems were installed. By the end of 2009, Europe's cumulative installed PV electricity generation capacity (existing and newly installed) was 16 GW, which is about 70% of the world's total (22GW). These are just some of the findings of the ninth annual Photovoltaics Status Report published today ...

Stockholm, 6 September, 2010 - Inflammation is associated with lower intelligence and premature death, according to Swedish scientists from the Karolinska Institute in Stockholm, Sweden. "Those with low-grade inflammation performed more poorly on standardised intelligence tests, even after excluding those with signs of current illness. Inflammation also predicted an increased risk of premature death," said lead researcher Dr Hakan Karlsson. The research, recently published in Brain, Behavior and Immunity (August, 24:868-873), used large population-based registers containing ...