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bagaimana menghilangkan blacklist smadav

noreply@blogger.com (johnb0y) — Thu, 15 Dec 2011 21:03:00 -0800

Banyak hal yang bisa digunakan untuk menghilangkan smadav yang sudah diblacklist seperti instal ulang smadav, atau menggunakan keyword anti-pembajakan. akan tetapi hal tersebut terkadang tidak bisa digunakan karena sudah diblaklist Ip addressnya... untuk itu perlu penanganan yang khusus untuk menghilangkannya. disini akan kami berikan langkah-langkah yang akurat yang bisa digunakan untuk menghilangkan blacklist smadav secara manual:

langkah-langkahnya adalah sebagai berikut:

1. Pastikan Smadav tidak sedang dijalankan. (Cek Tray Icon, jika masih ada logo Smadav >> klik kanan - EXIT)

2. Hapus file "PIRΔSYS.DLL" yang ada di "C:\Windows\System32\PIRΔSYS.DLL" (Jika sudah tidak ada, lanjut ke langkah 3)

3. Jalankan 'Registry Editor'

(Caranya : Start - RUN - ketik: regedit) // (atau tekan tombol logo WINDOWS + R, ketik: regedit)

4. Klik "HKEY_CURRENT_USER - Software - Microsoft - Notepad"

5. Hapus "lfPitchΔndFamily", "lfPitchΔndFamily2", dan "lfPitchΔndFamily3"

(Pokoknya yang ada lfPitchΔndFamily-nya)

6. Tutup Registry Editor

7. Cek dulu Host File-nya, dengan cara: ke C:\Windows\System32\drivers\etc - Buka file 'hosts' dengan Notepad.

Jika ada tulisan '# 241.241.241.241 antipiracyworld.com', hapus tulisan itu - Lalu SAVE.

8. Silahkan jalankan SMADAV 8.8 yang ter-blacklist, nanti kembali HIJAU kembali. download edisi terbaru, jika memang dibutuhkan.

noreply@blogger.com (johnb0y) — Sun, 23 Oct 2011 03:49:00 -0700

Age of a person is a mystery, no one could have predicted exactly. But for those who want to increase the chances to reach the age of 90 or even 100 years, here are seven simple ways that can be done.

A cardiologist from Canada, Dr. Clyde Yancy says there is an easy way to increase life expectancy by several decades. Ways is claimed can reduce the risk of deadly diseases, so that people can live longer and quality.

"Doing seven small changes in lifestyle can provide a 90 percent chance to reach the age of 90 or 100 years," said Dr. Yancy who will present this theory in the Canadian Cardiovascular Congress next week.
Seventh small changes in question Dr. Yancy is as follows

1. SportRarely do sports or other physical activity can reduce life expectancy by 4 years. People who prefer to laze around 2 times greater risk of heart problems and blood vessels, including a deadly stroke.
Not only good for the heart and blood vessel health, exercise can also prevent obesity and other diabetes complications. In fact, some research suggests, regular exercise also reduces the risk of some types of cancer.

2. Measure and control cholesterol levels. High cholesterol can cause plaque formation or crust on the walls of the arteries or veins. Plaque is formed could eventually block blood flow thus causing heart attack or stroke if it occurs around the brain.
If a family history of cholesterol problems, do blood tests to determine cholesterol levels as often as possible. Optimal levels of bad cholesterol or LDL cholesterol should not exceed 100 mg / dL, the good cholesterol or HDL between 40-60 mg / dL and total cholesterol between 200-239 mg / dL.

3. Live a healthy dietUnderstanding diet is not just limiting food intake, but rather intended to regulate diet choice. Healthy food is more advisable in order to live long are vegetables and fruits, because it is rich in vitamins and fiber.

4. Measure and control blood pressureHigh blood pressure sometimes causes no symptoms, so-called silent killer because it can increase the risk of stroke by 40 percent and heart attack by 25 percent. In addition, high blood pressure untreated brain damage and also accelerate the trigger or senile dementia.
Normal blood pressure for adults is around 120/80 mmHg. Less than that number were classified as low blood pressure or hypotension, whereas if higher is called hypertension or high blood pressure.

5. Maintain ideal body weightIdeal weight for each is not the same person, depending on how much height. Said to be the ideal weight if it produces the Body Mass Index (BMI) from 18.5 to 22.9 kg/m2 if dihiting by the following formula: BMI = weight (kg): Height squared (m2).
Someone said to be overweight or obese if BMI 23-29 kg/m2 and have said to obesity if it has a BMI above 30 kg/m2. Various studies show that obesity can reduce life expectancy of up to 4 years.

6. Avoid or control diabetes if it is alreadyDiabetes is a disorder of carbohydrate metabolism that makes the body unable to control blood sugar levels. In the long run, this disorder may increase the risk of heart attack, triggering complications in the eye and in men may cause impotence.
Blood sugar levels considered normal if the score 70-99 mg / dL, with a record measured after fasting or not eating for 8 hours. Blood glucose levels measured 2 hours after meals is said to normal if it ranges between 70-145 mg / dL, whereas if it ignores the range of normal eating schedule is 70-125 mg / dL.

7. Avoid cigaretteSmoking triggers claimed 90 percent of deaths in patients with lung cancer, 80 percent of deaths in bronchitis and emphysema, and 17 percent of deaths from heart attacks. People who quit smoking, in an instant will have a reduced risk of heart attack and stroke.

noreply@blogger.com (johnb0y) — Sat, 22 Oct 2011 22:21:00 -0700

Stocks on Wall Street surged on U.S. trade on Friday, amid the emergence of optimism that European leaders will meet to formulate a policy of economic stabilization.

In trading Friday (10.21.2011), the Dow Jones closed up 267.01 points (2.31%) to the level of 11808.79. The S & P 500 rose 22.86 points (1.88%) to a level of 1238.25. Then the Nasdaq composite index rose 38.84 points (1.49%) to a level of 2637.46.

The value of trade is very high when Wall Street opened. This is driven by a signal that European leaders will inject 8 billion euros or about U.S. $ 11.1 billion to help finance the crumbling Greek debt crisis.

But there are still some concerns about the condition of the European banking debt crisis that occurred in Greece.

"The stock market is driven by conditions in Europe. Actors market to the benefit of policy makers do not hesitate to take a decision," said analysts at Briefing.com

Shares in the financial sector rose high enough in trading yesterday, led by rising stock prices and American Express Travelers.

Antidote Gel Imunodeficiency Human Virus (HIV)

noreply@blogger.com (johnb0y) — Sat, 22 Oct 2011 22:17:00 -0700

Efforts by scientists to create an antidote gel Imunodeficiency Human Virus (HIV) was rewarded bonuses. Gel that has proven its efficacy turned out to have dual functions, namely counteracting genital herpes is very contagious.

Tenofovir gel is the trade name is not yet marketed, but it has proven especially useful in a trial in South Africa in 2010. In the pilot, the gel is applied to the vagina is able to reduce the risk of HIV transmission in women by 39 percent.

Now the benefits are not just limited to the prevention of HIV alone. Recently, scientists from Britain, Belgium and Italy reveal the extra benefit of an artificial gel that Gilead Sciences Inc. is able to ward off genital herpes which is also highly contagious.

In general, genital herpes infection is not fatal but can reduce the quality of life because it feels very itchy. Not to mention, if known, then the stigma associated with genital herpes is always negative because the disease is considered the people who like to change partners.

The reality of this highly contagious infection, either through vaginal mucus, semen or simply direct contact from skin to skin. In fact, according to one of the data revealed by the scientists, nearly 20 percent of active partners in the world been infected with genital herpes.

Fortunately, the results of a recent study conducted on 450 women showed that the gel Tenofovir is not only HIV but also ward off genital herpes. The risk of transmission of genital herpes in women who wear this gel was reduced to 51 percent.

"It would be very helpful. The protection that can be controlled solely by the women is an important factor in the prevention of venereal infections," said Dr. Jeanne Marrazzi, genital herpes specialist from the University of Washington

folic acid protect babies from neurodevelopmental disorders

noreply@blogger.com (johnb0y) — Thu, 20 Oct 2011 00:10:00 -0700

Folic acid is important for pregnant women consumed folic acid deficiency can cause birth defects in babies. Recent research has found women who consume folic acid before and during pregnancy greatly reduces the risk to have children with severe language skills.

Folic acid has many benefits for pregnant women and their babies. Because folic acid can help baby's brain growth, and reduce the risk of Neural Tube Defects (NTD) in infants who are born and others.

"If compare with mothers who did not consume folic acid supplements, women who consume folic acid ranging from 4 weeks before pregnancy can reduce the risk of having children who will experience severe delays in language comprehension at age 3," the researchers said

This risk is reduced by half after the researchers controlled for other factors in the study. Other factors are controlled by the researchers in that study, among others:

Maternal education
Maternal weight
Socio-demographic factors

Mothers who are taking other supplements, but not folic acid did not show a decrease in the risk of delays in infant language skills. This indicates that folic acid does have a unique effect on child development.

Although some medical research on the benefits of folic acid in protecting the fetus against neural tube defects has been widely publicized, but this study is further evidence that the supplements could protect babies from other neurodevelopmental disorders.

"We always recommend folic acid supplements. This is because foods fortified with folic acid although it gives a number of folic acid intake, but did not reach 400 micrograms. Therefore, experts suggest intake of 400 micrograms of folic acid for all women of childbearing age," said Dr. . Alan Fleischman, medical director at the March of Dimes.

Research has tracked about 0.5 percent of the 40,000 Norwegian children who have severe delays in language skills. Norwegian children are only able to make a single word or words that can be understood by others at the age of 3 years.

Blog Comments Secret

noreply@blogger.com (johnb0y) — Wed, 21 Sep 2011 22:24:00 -0700

30 Days to a Better Blog: Keep Up With Your Comments

Conversations are a HUGE and integral part of blogging. And the first place a discussion usually takes place is in your comments section. Keeping on top of your comments should be just as important as writing your next post, and there are several steps involved:

Field Spam. Everyone hates spam. Bloggers hate weeding through it, but honestly … readers hate seeing it too. It is the first way to signify to a reader that you don’t really care about your blog. The first step is to activate Akismet (or another anti-spam plugin) but many comments and trackbacks will slip through the crack. Flag them as spam and keep them off your blog.

Approve Comments. If you have your blog set up so that you must manually approve comments, you must keep on top of them and commit to approving them immediately. If a reader took the time to offer feedback or continue a discussion, they’re not going to come back a day later to see if their comment made it through.
Reply to Comments. If someone responds to a post (even to say “great idea”), take the time to respond back. They took time out of their day to read your blog and give you feedback. They are opening the door to becoming a repeat visitor and starting a dialogue with you. Respect your readers, talk to them, and they’re bound to recommend you to others.

Start a Debate. Face reality. Not everybody is going to love you or your ideas. But controversy and debate can fuel very interesting conversations and bring in pageviews. If someone disagrees with you, don’t ignore their comment – start a debate. Acknowledge their viewpoint and counter it. Be respectful, but this is your opportunity to show that you care about your topic and are knowledgeable enough to debate it.

Bring Comments Into Your Posts. Browse your comments for ideas for future posts, or pull together several into a follow-up article. Your readers will love seeing themselves brought into your content and will continue to comment on the blog. You may even ask a commenter to contribute with a guest post of his/her own.

Harvard Researcher Chosen as New Dean of Weill Cornell Medical College

noreply@blogger.com (johnb0y) — Mon, 12 Sep 2011 09:35:00 -0700

A Harvard University researcher and professor with strong ties to the pharmaceutical industry has been selected as the new dean of Weill Cornell Medical College in Manhattan, as Cornell University seeks to greatly expand its research programs and obtain more federal and private financing, college officials said Wednesday.

The new dean, Dr. Laurie H. Glimcher, 60, who has ties to the pharmaceutical giants Merck and Bristol-Myers Squibb as well as to scientific and biotechnology companies, said she wanted to use her experience to forge partnerships with both the public and private sectors.

Dr. Glimcher, an immunologist with a strong interest in osteoporosis, defended her outside interests, saying they presented no conflict as long as they were transparent. She said she wanted to “leverage the strengths of everyone,” whether scientists, pharmaceutical companies or biotechnology companies. “There should be no silos between all of these different strengths,” she said.

Cornell University’s president, Dr. David J. Skorton, said he believed Dr. Glimcher had the skills to carry out the medical school’s plan to double its research capacity and to help the university compete to develop a new high-tech campus proposed by the Bloomberg administration.

Her appointment will take effect in January. The departing dean, Dr. Antonio M. Gotto Jr., also a researcher, said the school now ranked “somewhere in the mid-30s” in terms of its financing from the National Institutes of Health, a benchmark of research prominence.

Sanford I. Weill, the former chairman of Citigroup who with his wife was the benefactor for whom the college was named in 1998, said Wednesday that Dr. Glimcher had come to his attention through a good friend, Jim Robinson, a co-founder of the technology venture-capital firm RRE Ventures and a former chairman of Bristol-Myers Squibb and chairman and chief executive of American Express.

“He recommended that I meet Laurie Glimcher when he heard we were going to look for a new dean,” Mr. Weill said. He said that after meeting her, he introduced her to the firm handling the search, and she was chosen out of 51 candidates.

Dr. Skorton said he was also aware of her, through N.I.H. and Harvard contacts.

At Harvard, Dr. Glimcher runs an immunology lab that had a three-year contract with Merck, the company that makes Fosamax, a formerly $3-billion-a-year bone drug that became generic in 2008.

Bristol-Myers Squibb, where she has been on the board since 1997, paid her $244,500 in compensation in 2010, including fees and stock awards, according to its 2011 proxy statement. She received $1.4 million in deferred share units, by far the most of any director.

While she has been on the board, the company has paid hundreds of millions of dollars to settle federal and shareholder complaints that it had inflated sales figures, although Dr. Glimcher herself was not found liable.

Dr. Glimcher was also paid $238,545 in cash, stock and options in 2010 by the Waters Corporation, a publicly traded maker of lab equipment, according to a company filing in March. She joined that board in 1998.

Harvard recently revamped its conflict-of-interest policy for medical school faculty, prompted by concerned medical students and faculty. Dr. Glimcher said the policy did not change her compensation or relationships with outside groups.

Dr. Glimcher has undergraduate and medical degrees from Harvard. She is married to Gregory A. Petsko, head of biochemistry at Brandeis University.

Academics Challenge Tuition Increases in Britain

noreply@blogger.com (johnb0y) — Mon, 12 Sep 2011 09:24:00 -0700

Academics challenge British tuition increases

Hundreds of academics from Oxford and Cambridge have signed a letter to the British government demanding that the planned increase in tuition fees to £9,000 from £3,290 be halted and a public commission of inquiry be established to look into the plan.

“Universities are being forced to take major decisions, with unknown consequences, to a breakneck timetable,” said the letter, which was addressed to Business Secretary Vince Cable and Universities Minister David Willets.

“We are being asked to ‘fly blind’ over matters of the utmost importance in respect to our ability to continue to deliver world-class education and research,” said the letter, which was signed by 681 faculty members from Britain’s two oldest universities.

A government paper setting out details of the new funding arrangement, which was expected in March, has been delayed, and Professor Peter de Bolla, one of the organizers of the letter, told the BBC that institutions were essentially being asked to set fees “in the dark,” without a clear understanding of the consequences of their decisions.

MIT undergraduate engineering again ranked No. 1

noreply@blogger.com (johnb0y) — Mon, 12 Sep 2011 09:14:00 -0700

U.S. News and World Report ranks MIT Sloan’s undergraduate program second among peer institutions. Morgan Bettex, MIT News OfficeMIT has held the top spot in U.S. News & World Report’s annual undergraduate engineering rankings for more than 20 years, and this year is no different, the magazine announced today.

MIT’s top standing, ranked among peer institutions, will appear in both the magazine and in the 2011 edition of the magazine’s annual college guide, “America’s Best Colleges” that hits newsstands Monday, Aug. 23. All rankings went online early today.

Within engineering, MIT was ranked No. 1 for its undergraduate programs in aeronautics and astronautics, chemical engineering, computer engineering, electrical engineering, materials sciences and mechanical engineering. MIT also ranked in the top five in biomedical engineering and environmental/environmental health engineering.

The MIT Sloan School of Management was ranked second nationwide among undergraduate business programs. Sloan also received first-place ratings in four specialties: management information systems, production/operations management, quantitative analysis/methods and supply chain management/logistics. Sloan was ranked third for finance and fifth for entrepreneurship.

Overall, MIT was ranked seventh among national universities, tied with Caltech (Harvard was ranked first). Last year, MIT and Caltech tied for fourth place with Stanford and the University of Pennsylvania. This year, Stanford and UPenn tied for fifth.

U.S. News & World Report used a number of criteria to determine overall ranking, including data collected from the schools, surveys of top academics, student retention rate, the school’s commitment to instruction and selectivity. Two changes in the magazine’s methodology probably contributed to the shift in MIT’s overall ranking.

The magazine again rated MIT among the top 10 most racially diverse universities in America. The Institute was ranked fifth among the nation's most economically diverse universities as determined by the percentage of students receiving Pell grants.

Finally, the report judged an MIT education to be a great value. MIT ranked fourth among national universities in a measure of price relative to quality; last year, the Institute ranked fifth. MIT also made the magazine’s list of schools whose students have the lightest debt loads: Forty-five percent of MIT’s Class of 2009 graduated with loans, and the average amount of debt among students who owed money was $15,043, the report said.

The magazine rated MIT’s graduate programs in April. MIT’s School of Engineering was again ranked number one in that annual evaluation — it has achieved the top score each year since those rankings were created in 1990 — while Sloan jumped from fifth to third among the nation’s MBA programs.

USA Top Ten Online University

noreply@blogger.com (johnb0y) — Mon, 12 Sep 2011 08:48:00 -0700

There are many online universities are working in the unites state of AMERICA, but here is the list of top ten online universities of USA.

1 WESTWOOD COLLEGE ON LINE

2 BRIARCLIFFE COLLEGE

3 COLLINS COLLEGE

4 GLOBE UNIVERSITY

5 JONES INTERNATIONAL

6 NORTHWESTERN COLLEGE

7 REMINGTON COLLEGE

8 STEVEN HANAGER ONLINE

9 UTICA COLLEGE

10 VIRGINIA COLEGE

Viginia College of USA

noreply@blogger.com (johnb0y) — Mon, 12 Sep 2011 08:37:00 -0700

Virigina college is the another best college og USA. This is on the base of on line. This college is continous the tradition lives new direction fulfulling our mission statement of students . The goal of Virginia college lies in its responsibility to its students.

The techanical and business communications and other skills are teach to the students.This college is a great provider of the skills of business related, administrative, management and professional. The student get knowlege and have fun for his life.

Progamme offeres by online classes at Virginia college, Accounting specialist associate programme, Business adminstration associate programme, Business adminstation bechalore programme, Criminal justice associate progamme, Criminal justice bechalore programme, Criminal jusitce master programme, Golf course Management bechalore programme, Health Management Bechalore progamme, Business Administration MBA, Networking bechalore programme, Priviate Sector Accounting bechalore programme,Human Resource associate programme

The most stolen Cars

noreply@blogger.com (johnb0y) — Mon, 12 Sep 2011 04:54:00 -0700

The Most-Stolen Cars

To determine the vehicles with the highest theft rates in the country, the Highway Data Loss Institute looked at only insured passenger vehicles between one and three years old. Then they calculated which insurance claims were filed for each particular model of vehicle, and the size of the payment for each claim. By comparing the number of claims to the number of cars insured, the process indicates vehicles most likely to be targets of theft, because it takes into account a given model's total exposure to the road.

The average claim frequency for all passenger vehicles is 2.1 claims per 1,000 insured vehicle years, with an average loss payment of $6,883 per claim. Insured vehicle years are measured as one vehicle insured for one year or two of the same vehicle insured for six months each.

1. Cadillac Escalade

Segment: Large Luxury SUV

Claim Frequency: 10.8 per 1,000 insured vehicle years

Average Loss Payment Per Claim: $11,934

2. Ford F-250 crew 4WD

Segment: Large Pick-u
Claim Frequency: 9.7 per 1,000 insured vehicle years

Average Loss Payment Per Claim: $9,636

3. Infiniti G37 2-door

Segment: Luxury Compact

Claim Frequency: 7.1 per 1,000 insured vehicle years

Average Loss Payment Per Claim: $10,324

4. Dodge Charger HEMI

Segment: Large Sedan

Claim Frequency: 7.1 per 1,000 insured vehicle years

Average Loss Payment Per Claim: $10,118

5. Chevrolet Corvette Z06

Segment: Sports Car

Claim Frequency: 1.7 per 1,000 insured vehicle years

Average Loss Payment Per Claim: $41,229

so be wise to park your vehicle

Car Insurance

noreply@blogger.com (johnb0y) — Sun, 11 Sep 2011 07:45:00 -0700

If you have any questions at all about what to do in order to get the right car insurance policy, how to keep your premiums as low as possible or what to do if you're involved in an accident and need to make a claim, our car insurance guide is a great place to start.

Here we're dedicated to driving down the cost of your motor insurance, and we've covered some of the most common questions and concerns encountered by our customers in the following pages. An introduction to car insurance Of all the financial products owned in the UK, car insurance is one of the most common. The reason for this is simple: to drive a vehicle on the road legally it needs to be insured, and with 26 million cars on our roads, that's a huge number of people insuring a vast number of vehicles.
Most of these people are given the chance to review their policies each year, allowing them to switch to a different company should they desire based on price, and the quality of service provided. Theoretically this should mean that everyone knows everything there is to know about insuring a vehicle, but this is not necessarily the case.

Many people simply allow their policy to renew itself each year when it expires, potentially losing hundreds of pounds by not shopping around for a more competitive quote or only changing insurer when rising car insurance prices become particularly noticeable
Save time and money on your car insurance

Unfortunately, the reverse is also true on occasion: Many people take out extremely cheap car insurance, only to find out that the policy isn't as comprehensive as they initially thought - and these people often don't find out about this until they make a claim, by which time it's too late.
Finding the right car insurance policy for you

The first thing anybody considering a new car insurance policy should do is shop around. If you're looking for the best car insurance deal, our price comparison tool allows you to get quotes from more than 100 insurance companies in the UK in order to help you find the best deal possible - but remember the cheapest car insurance policy may not necessary be the right option for you..

Knowing the ins and outs of how car insurance policies work could save you even more money, as well as making sure you are receiving the correct services and level of protection from your insurer. This guide will help you to do just that, as well as answering some common questions about insuring a car.

These questions range from the factors that affect your premium, how you can make your premiums cheaper, and what to do in the case that you need to make a claim on your policy.

The guide also contains a jargon-buster, which explains some of the terms which you may have heard but not understood when buying insurance - terms such as TPFT, fronting, and named drivers.

Whilst we'd love our guide to answer all your car insurance questions, there are simply too many. So, should you have any further queries that aren't addressed in this guide, please pay a visit to our car insurance forums - we have a large and active community on hand to help, as well as our own industry experts who will be able to answer any questions you might have.

Insurance Definition

noreply@blogger.com (johnb0y) — Sun, 11 Sep 2011 07:36:00 -0700

the act, system, or business of insuring property, life, one's person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a payment proportionate to the risk involved.
coverage by contract in which one party agrees to indemnify or reimburse another for loss that occurs under the terms of the contract.
the contract itself, set forth in a written or printed agreement or policy.
the amount for which anything is insured.
an insurance premium.
any means of guaranteeing against loss or harm

Insurance or Assurance, device for indemnifying or guaranteeing an individual against loss.

Reimbursement is made from a fund to which many individuals exposed to the same risk have contributed certain specified amounts, called premiums.

Payment for an individual loss, divided among many, does not fall heavily upon the actual loser. The essence of the contract of insurance, called a policy, is mutuality.

The major operations of an insurance company are underwriting, the determination of which risks the insurer can take on; and rate making, the decisions regarding necessary prices for such risks.

The underwriter is responsible for guarding against adverse selection, wherein there is excessive coverage of high risk candidates in proportion to the coverage of low risk candidates. In preventing adverse selection, the underwriter must consider physical, psychological, and moral hazards in relation to applicants.

Physical hazards include those dangers which surround the individual or property, jeopardizing the well-being of the insured.

The amount of the premium is determined by the operation of the law of averages as calculated by actuaries. By investing premium payments in a wide range of revenue-producing projects, insurance companies have become major suppliers of capital, and they rank among the nation's largest institutional investors.

Big Rigs Drive Big Risk For Passenger Vehicles

noreply@blogger.com (johnb0y) — Sat, 10 Sep 2011 00:54:00 -0700

When a big rig truck and cars collide, the laws of physics determine the outcome. Most often, the passenger vehicle bears the brunt of the damage.

The Insurance Information Network of California, the California Highway Patrol, the San Diego Police Department and the California Trucking Association have joined forces to focus attention on truck and passenger vehicle driver safety this Labor Day weekend. In a live demonstration held today at Balboa Park, expert drivers highlighted the dangers of big rig blind spots and their physical stopping distance, which is much greater than that of a passenger car. In advance of the holiday weekend, CHP officers also reinforced the need for drivers to safely share the road with big trucks.

Trucks often weigh 20-to-30 times more than an average car and have a harder time maneuvering around an emergency situation. The Insurance Institute for Highway Safety estimates that 3,163 people died in truck collisions in 2009. Of these deaths, 14 percent were truck occupants and 70 percent occupied non-commercial cars and trucks. The CHP also estimates that at least half of the 17,000 car-versus-big rig collisions in 2009 were caused by drivers of the cars.

“Motorists need to know that sharing the road with a big rig requires not only patience , but also an understanding of how to recognize and avoid trucks’ blind spots,” said IINC Executive Director Candysse Miller. “Truckers in California maintain the highest standards of safety and need the help of passenger drivers to keep the roads safe,” added CTA president Al Garcia.

“Big rig trucks also drive on our city streets and drivers need to use the same caution as they do on the highways,” said SDPD Assistant Chief Manny Guaderrama. “The number of trucks using the California highway system will inevitably increase over the coming years,” said CHP Border

Division Chief Jim Abele. “For that reason, the CHP is working to create public awareness about driving around commercial trucks; and thus, minimizing truck-involved collisions and fatalities.”

The CHP urges motorists to understand these basics of sharing the road with big rigs:

Allow plenty of room when changing lanes in front of a truck;
Pass trucks quickly and don't linger beside a truck;
Pass a truck on the left, not on the right, because a truck's blind spot on the right runs the length of the trailers and extends out three lanes;
Allow a lot of room around trucks. Try to leave a 10-car length gap when in front of a truck and 20-25 car lengths when behind a truck;
Check a truck's mirrors. If you are following a truck and you cannot see the driver's face in the truck's side mirrors, the truck driver cannot see you; and;
Allow trucks adequate space to manuever. Trucks make wide turns at intersectionsand require additional lanes to turn.

Tell the truth to the insurance company

noreply@blogger.com (johnb0y) — Sat, 10 Sep 2011 00:31:00 -0700

I have had a rash of calls lately. People who have been in car accidents and have panicked. That panic has led them to do something dumb: lie to the insurance company.

Lying to the insurance company can be insurance fraud. How do you know? If you make a material misrepresentation to the insurance company, it is fraud. Of course, what is a material misrepresentation.

To be material, it must be something that would affect whether a claim is covered or not. So, if Bill is an excluded driver from your policy and drives your car causing a collision, it would not be covered. If you tell Bill that Susie was driving instead, it would then be covered. Of course, now the insurance company would be paying a claim that they would not otherwise pay. This would be a material misrepresentation.

So, if that is a material misrepresentation, what is not material? Lets say your child get in an accident today on 14th street. Your child shouldn't have been on 14th street because you did not give them permission to be there. Your child tells you the accident happened on Main Street, where your child did have permission. Your child is covered by the policy. This is not a material misrepresentation to the insurance company, since the insurance company would pay the claim anyway.

Remember, an uncovered claim is not the end of the world. Do not lie. A lie can be insurance fraud and in California that is punishable by up to 5 years in prison and a $50,000 fine.

Keeping your car after crash

noreply@blogger.com (johnb0y) — Sat, 10 Sep 2011 00:27:00 -0700

I get this a lot. Someone is involved a car crash. The insurance company for the other side tells them the car is a total loss. They are sure that they want to keep their car. I am sure they do not want to keep their car.

First, before you take the insurance company's word for it, do a few things. Go to a reputable, independent shop and ask for an estimate. It is not uncommon for the insurance company to call the shop and tell them that if a car is close, they want to make sure it is a total loss. So, go get your own estimate. Of course, you should be doing this anyway, even if you are
going to have your car fixed. After you get an estimate, figure out what your car is worth. Do not take the insurance company's word for it. For a small fee, I assist people in determining the fair market value of their car and preparing a declaration. Just email me and find out about it!
Second, once the car is a total loss, and you are sure of it, give it to the insurance company. Get rid of it! Why, you ask? If your car is declared a total loss, it is reported to the DMV. You end up with a salvaged title. Try selling a car with a salvaged title. And try insuring a car with a salvaged title. Yes, you can clean up the title, but it is a painstaking process that will require many, many hours. Finally, the car is never going to run the same, feel the same, or be the same. Get rid of it!

I know many people are sentimentally attached to their cars. I am. But, once your car is a total loss, you are much better off getting rid of it and finding yourself a new car!

Auto Insurance

noreply@blogger.com (johnb0y) — Sat, 10 Sep 2011 00:19:00 -0700

Insurance claims from crashes that appear to be staged rose 46 percent between 2007 and 2009, according to recently released statistics from the National Insurance Crime Bureau. California had the third highest number of staged accidents in the U.S. between 2007 and 2009, with a total of 1,619. Only Florida and New York had more.

Ordinarily, these accidents are set up by criminals who work in groups. They sometimes involve several drivers and passengers who claim injuries, paid witnesses, and even medical providers who claim to have provided treatment for the false injuries. According to a recent article, some of the most common types of crashes include luring innocent drivers into crashes, scammers crashing into each other, and completely fabricating non-existent accidents.

According to an expert with the NICB, a non-profit organization that is funded by the insurance industry, a staged accident that results in a payout to victims, including medical and legal expenses, can average between $80,000 and $100,000. Not coincidentally, insurance premiums nationwide have risen an average of 24 percent over the past three years.

Experts recommend that in order to avoid getting scammed, be sure to maintain sufficient distance between your car and the car in front of you. If you are in an accident, take notes on the names and number of passengers in the other car or cars, and pay careful attention to how they are acting. Use your cell phone’s camera to carefully document damages to your car and the other car or cars. Get a police report, even for minor accidents. If someone tries to steer you to an unknown body shop, doctor, lawyer or chiropractor, take notes, and contact the California Department of Insurance’s Fraud Division if you have suspicions.

Low Cost Auto Insurance

noreply@blogger.com (johnb0y) — Sat, 10 Sep 2011 00:04:00 -0700

Last weekend, the L.A. Times published this article about a state program that helps provide low-income Californians with auto insurance at a reduced cost.

The article pointed out that there are estimated to be millions of California drivers without auto insurance, and the number is growing because of the bad economy. It’s almost impossible to estimate exactly the number of California drivers without insurance, but a 2008 report by the insurance industry estimated about 18% of California drivers at that time did not carry insurance. In addition, since 2008, the unemployment rate in California has more than doubled, so the number of uninsured has most likely risen significantly as families have been forced to choose which expenses to cut.

A lot of drivers are tempted to drop insurance when times get tough. However, getting caught without coverage can result in hundreds of dollars of fines and getting your vehicle impounded.

Many drivers are not aware of a program run by the California Department of Insurance that provides liability coverage for about $400 per year. The California Low Cost Auto Insurance program helps families of four making less than $55,125 per year or individuals making less than $27,075. You can learn more about the program by calling 866-602-8861.

Prevent Illegal Health Insurance Cancellations

noreply@blogger.com (johnb0y) — Fri, 9 Sep 2011 23:59:00 -0700

California Strengthening Laws to Prevent Illegal Health Insurance Cancellations

On August 18, new regulations go into effect in California that are aimed at preventing illegal cancellations of health insurance policies.

Rescission, which is the practice of canceling health insurance policies for mistakes on the health insurance applications, even minor mistakes, is targeted in the new regulations. According to the government, rescission is estimated to add $300 million in profits to the health insurance industry.

The new regulations require questions on a health insurance application to be clear, specific and understandable. The applications are not allowed to use double-negatives or some types of compound questions. Insurance companies will be required to take into account the level of knowledge an average individual with no medical training may have when formulating the questionnaires. Questions on the application must be relevant to the underwriting process. In addition, applicants must be allowed to check that they are unsure or cannot remember to questions on the application. Consumers must also have the right to respond during rescission investigations.

The California Department of Insurance is going to publish a new approved questionnaire for insurance companies to use in obtaining applicants medical history. Insurance companies that decide not to use the pre-approved questionnaire cannot use unapproved questionnaires as the basis of a rescission later.

Home Protected from Fire Case

noreply@blogger.com (johnb0y) — Fri, 9 Sep 2011 23:45:00 -0700

Is that Your Home Protected in Case of Fire?

With wildfire season looming in southern California, and an insurance company making news for failing to honor damage claims that resulted from a California fire, now might be the time to review what would happen to your home in the event of a fire. According to California Insurance Commissioner, homeowners should prepare themselves today for what might happen if a fire occurred, which includes both reviewing your insurance coverage and conducting a home inventory of belongings.

When you are initially purchasing home owners insurance, describe your home in detail and ask your agent what will happen in the event of a fire. Does the policy cover smoke and water damage? Do an assessment of how much insurance is needed to cover both the structure and its contents. What contents are covered? What contents aren’t covered? You may be surprised to discover that fire insurance sometimes doesn’t cover home business office equipment, professional equipment and tools, or some valuable paperwork. If you need extra insurance but can’t afford the premiums, it may be worth raising your deductible to get the coverage you need.

To do an inventory, the Commissioner recommends using a Home Inventory Guide and a digital camera to catalogue your possessions. He recommends labeling photos and, if using a video camera, narrating the video. I recommend a video camera and then save the videotape in two locations, one of which is outside of the home. The inventory, pictures, and supporting documentation should be stored in a safe place.

noreply@blogger.com (johnb0y) — Fri, 9 Sep 2011 01:59:00 -0700

The FIFA series has had a very good run lately. In recent years, each release has improved upon the former, and just when some felt nothing more could be done, the team at EA Canada has found ways of doing so. FIFA 12 aims to improve upon the defensive side of the game and increase the overall realism that has been so well implemented over the last few years. We had the opportunity to sit down and play around with the near-final build of the game and see these adjustments firsthand.

For starters, the focus on the defensive side of the sport is clearly evident. Upon starting up the game and going through the obligatory "How well do you play footie?" introduction, you are tossed into a tutorial that lays out the new defensive system. Returning this year is a dedicated "standing tackle" button. In recent FIFA games, the standing tackle was replaced with "press," where players applied pressure on their opposition but didn't actually perform a shove to win the ball. While the pressure option is still there, it has been remapped and renamed "contain," alongside the second defender press button, which let you call upon a teammate to aid you when trying to cut off an attacking player's possible passing/dribbling options.

Because of the changes with the defensive layout of the controller, longtime fans may be a little clumsy with the controller at first. But like most things, after a little practice, it should feel like second nature. Of course, if you prefer to remap the controller to be more in tune with last year's game, that option is there as well. Other additions and modifications have been made on the defensive side of things: there's better containment, players will actively try to block incoming shots, and trailing defenders can and will try to grab attacking players in the hopes of slowing them down.

Alongside the changes to the defensive approach to the sport, player animations have seen a drastic change, and the defensive side of the game really shows off these new animations. In particular, if you happen to miss a standing tackle--especially when attempting one at fast speed--your player will more often than not completely lose balance and either fall to the ground or stagger before finding his footing and continuing to run. While the animations are much more realistic, this build did show some of the shortcomings of the AI, specifically on the defensive side of the ball.

Collisions are bound to happen, but these situations occurred more than a few times while playing. These ranged from having two computer-controlled players running into each other--which then allowed a striker to walk into the penalty area and fire an easy goal--to defenders falling on their own accord when trying to clear a ball out of their own penalty area. Little AI lapses of judgment like these happened regardless of the difficulty setting or the clubs that we played with.

Other aspects of the game have seen noticeable improvements. The FIFA series has always been among the best to deliver a relatively authentic sporting experience, and that tradition continues. The improvements to expect range from subtle additions to the pregame introductions, players will visibly show their pain if sustaining an injury and perform quicker throw-ins. In the case of throw-ins, if the out-of-bounds ball is within a reasonable distance, players will attempt to rush and grab the ball to restart the action immediately.

Also, for our European readers, I strongly suggest playing a game using Vancouver's BC Place Stadium, which is one of the few authentic Western Hemisphere stadiums included in a FIFA game. If you haven't seen or heard about the complaints from fans on this side of the Atlantic about the use of American football (or in this case, Canadian football) stadiums for footie, playing in this stadium will show you why. The guys at EA Canada did an incredible job of very lightly leaving the yard lines from the stadium turf, which is how the field should look once it opens in October.

Expect much more fluid player animations

Of course, there are many additional things being done by EA Canada in the hopes of yet again delivering fans a sports experience unlike anything other. The defensive side of the game will certainly be fine-tuned prior to launch, but its improvements, coupled with the more realistic animation system, are something that longtime fans have been asking for. While we've touched on a few things, fans can expect to see much more once FIFA 12 hits stores at the end of September.

Call of Duty review

noreply@blogger.com (johnb0y) — Thu, 8 Sep 2011 23:00:00 -0700

There is no shortage of World War II-themed first-person shooters available, and it's no secret that a number of them, including Medal of Honor: Allied Assault and Battlefield 1942, are extremely good. Now you can add Call of Duty to that list. The first game by Infinity Ward, a studio composed of some of the same team that worked on Allied Assault, Call of Duty presents outstanding action all around and is at least as good as, and in several ways is simply better than, any similar game. Though both its single-player and multiplayer modes will be familiar to those who've been keeping up with the WWII-themed shooters of the past several years, most anyone who plays games would more than likely be very impressed with Call of Duty's authentic presentation, well designed and often very intense single-player missions, and fast-paced, entertaining multiplayer modes.

Call of Duty's distinguishing features, by and large, can't be considered innovations--that's too strong of a word. However, this is a game that pulls together many of the best aspects of other, similar games, and also includes all sorts of little "wish-list items" that may have crossed your mind while playing those other games. The result seems, above all, very well designed. The action in Call of Duty, ultimately, is arcadelike--much like in Allied Assault or Battlefield 1942. You can't survive a shot to the head, but you can take a few bullets anywhere else and can keep going just fine. There's also a clear onscreen indication of the direction from which you're taking fire (and, as you're getting hit, the screen shudders to make it look like it hurts). Luckily, first aid kits, conveniently placed in the levels or occasionally dropped by killed enemies, instantly restore large portions of your health. You hardly ever need to activate a "use" key in this game. When you do, you'll use it to instantly set explosives or grab documents, but you won't use it for opening doors.

Actually, that's because you won't be opening any doors. One gameplay contrivance that's presented in the first few seconds of the first mission is that any time you see a closed door in Call of Duty, it's supposed to stay closed. This seems like a minor point, but how many shooters have you played in which you fumbled for every doorknob, trying to find the one door that would actually open? That's simply not an issue in Call of Duty. Despite the highly authentic atmosphere created for the levels in the game, there tends to be an intuitive, clear path from the beginning of the level to the end. The levels can be challenging, at least at the higher two of the game's four difficulty settings, but they're not frustrating. If you die, you can restart at your most recent save almost instantly. You don't need to worry about hitting the quick-save key all the time, either, since the game automatically and seamlessly saves your progress not just at the beginning of a level but at several points throughout the level. The game's brief tutorial at the beginning of the single-player mode will be second nature for experienced players of first-person shooters. However, since it's in the context of a military boot camp, it will also provide, for new and experienced players alike, some valuable advice on (and practice with) the nuances of Call of Duty's gameplay.

Call of Duty does an excellent job of modeling American, British, Russian, and German weapons of the era. You can shoot your weapon from the hip, aim down its sights, use it as a bludgeon, or change its firing mode, in some cases.

You cannot sprint in Call of Duty, nor can you tiptoe. While standing, you move at a constant pace that's not too slow and not too fast but is just right. You'll have no trouble quickly getting from point A to point B. However, when you're running from cover to cover in an area that's under fire, you'll be painfully aware of how vulnerable you are. You should probably keep your head down, and Call of Duty lets you easily switch between standing, crouching, and prone stances. You move slower while crouching--not too slowly though--which makes this the best way to get around when in the thick of battle. Movement, as well as turning, is understandably much slower while prone. Sometimes, however, this is the perfect option for staging an ambush or staying out of harm's way. As in many shooters, you can also lean around corners in Call of Duty, which can be a real lifesaver during some of the game's deadly firefights when you need all the cover you can get.

Call of Duty features a wide arsenal of authentic American, British, Russian, and German WWII weapons, including various rifles, submachine guns, side arms, and grenades. You can carry only two larger weapons at a time (as well as a pistol and some grenades), so, typically, you'll want to have a rifle for out-in-the-open engagements and a submachine gun for tight-quarter combat. While armed with any of these, you may shoot from the hip, raise the weapon to eye level and aim down the sight (for more accuracy at the expense of movement speed), or use the butt of the weapon to try and club an enemy to death. Manually reloading your weapon tends to be faster than letting the clip run out, and some weapons let you switch firing modes, like going from full-auto to single shot (though, since you can squeeze off single rounds in full-auto mode, this isn't very useful). Your crosshairs expand when you're moving and contract when you're steady, pointing out how much more inaccurate you'll be if you try to run-and-gun. The weapons themselves are modeled very convincingly, thanks in no small part to the tactile sense you get from being able to look through their sights or use them as bludgeons, and most every one will earn your respect since, in the right situations, they can all be deadly effective.

Call of Duty's single-player missions let you experience some incredible battles from the perspective of an American soldier, a British commando, and a Russian conscript, who isn't even given a gun. Additionally, multiplayer Call of Duty features the very clever "kill cam," which lets a player who's been killed relive the last five seconds of his life from his killer's perspective. The implications of the kill cam are pretty significant: If anyone isn't playing fair in a multiplayer match, the kill cam ought to make this quite clear, and then players can vote to have the offending player kicked. When playing a deathmatch-style multiplayer mode, you can easily skip the kill-cam sequence and get back into the action, but if you're playing one of the multiplayer modes in which you can't instantly respawn, it can make for an entertaining five-second consolation prize.

One of Call of Duty's most distinguishing features in the single-player mode is how many humans, both friend and foe, it manages to cram into an environment. With the exception of a small handful of corridor-crawl-style commando missions (which, while pretty good, are probably the least interesting parts of the game), you'll never be fighting alone, and you'll always have allied soldiers fighting--and dying--by your side. These allies are mostly for the sake of ambience; they mostly look realistic as they fight from behind cover and draw some of the enemy fire. They even sometimes charge the enemy, as you'd expect them to under the circumstances. However, they won't do your job for you and can't be depended upon to take out the bad guys.

Call of Duty's graphics, somewhere down the line, are powered by the Quake III engine, but the game looks great--not dated. Occasionally, some of the character animation doesn't look quite right. For instance, the animation for when killed soldiers fall from banisters or balconies looks particularly weak. Additionally, there are a few clipping issues here and there. Also, some of the scenery, particularly small shrubs and such, looks blocky and ugly if you get right up to it. We also experienced some graphical issues running the game with an ATI Radeon 9800 graphics card, which didn't properly handle the game's occasional motion-blur effect. Other than these specific issues, the overall look of the action is excellent. Realistic weather effects, explosions, and muzzle flashes help make the game's environments come alive, and the character models for friends and foes are surprisingly detailed given how many of them can be onscreen. Additionally, the game runs very smoothly in comparison to other recent shooters. If you get a good frame rate out of other PC action games, this one will be silky smooth. Call of Duty, like Allied Assault, squeaked by with a "T" rating from the ESRB despite the extremely violent subject matter it portrays. Unlike Allied Assault, it even shows a little blood in the form of a red mistlike spurt that's seen when a bullet hits its mark. For better or worse, there's no graphic violence here, but the animations are realistic, and action is visceral.

The audio in Call of Duty is even better than the look. You'll learn to tell most every weapon apart by its own loud and clear roar. In those rare instances when shooting isn't occurring all around you, you'll still tend to hear shooting off in the distance--an ambient effect that reinforces the sensation that you're in the middle of a war. Some of the more action-packed single-player missions are practically deafening, what with all that's going on with the bullets practically grazing your head, shells flying, aircraft making strafing runs, and more. In a great touch, if an artillery shell detonates near you, you'll be shell-shocked, rendering you temporarily deaf and substantially disoriented. In fact, you'll struggle to get back on your feet as the sound of battle eventually rushes back to your senses. The game's sporadic use of voice acting is good, though it's a bit of a shame that much of the Russian soldiers' voice-over (and some of the Germans') is in accented English rather than in the native language. For a game that attempts to appear as authentic as possible, this seems a little incongruous. Amidst all the cacophony of Call of Duty, it can be hard to hear the game's orchestral musical score, but it kicks in on particular occasions and adds even more drama and cinematic flair to the proceedings.

Call of Duty is an all-around excellent game that confidently challenges, head-on, all the other WWII-themed shooters out there and comes out on top. When a game is outstanding, like this one is, some people invariably expect it to be something completely different from what's already available. That's not true of Call of Duty, which is directly comparable to Medal of Honor: Allied Assault and other such games. Yet, on its own merits, this game is executed extraordinarily well, and, therefore, can be wholeheartedly recommended not just to fans of other WWII-themed shooters but to anyone looking for a first-rate action game.

Call of Duty is a thoroughly impressive game.

FIFA 10 games

noreply@blogger.com (johnb0y) — Mon, 5 Sep 2011 18:08:00 -0700

FIFA 10 is the game of football played with the latest generation of . FIFA series from EA Sports games does carry a big name. Although often referred to not as good as its competitors - Pro Evolution Soccer series aka Winning Eleven from Konami - but FIFA series is the official game for the virtual football competition that is recognized by FIFA (the international football association).

With over 50 improvements, FIFA 10s new Manager Mode is as close as you can get to running a team without actually being named to the job. moment you step onto the pitch, FIFA 10 challenges you to think and react like a real player. EA SPORTS FIFA 10 gives players new levels of control to experience the beautiful game like never before. This is a soccer game in which players can select a soccer team from across national and international leagues and clubs, compete in a variety of gameplay modes (e.g., single matches and tournament-style), and improve skills through practice shootouts. Wider dribble touches and new collision sharing allow for a less predictable yet extended fight for possession, resulting in more
realistic battles between the dribbler and his defender. Improved Urgency AI logic, with over 50 new movement cycles, delivers more responsive positioning so your players stay focused on the ball and move at a speed appropriate to the action. Players better analyze space, resulting in pinpoint passes that give their receivers more options and time to outrun defensive

Recommended System Requirements-

Processor: 3.2 GHz (single core) or 2.4 GHz (dual core)

RAM: 1 GB (XP) or 2GB (Vista)

Video Card: GeForce 7800 or better, ATI Radeon x1800 or better with Shader 2.0 support, with built-in memory, 256 MB, with support for DirectX 9.0c

Sound: with support for DirectX 9.0c

Installation-

Extract RARs
Mount or burn image
Install
Copy both FIFA10.exe & Razor1911.dll from te Razor1911 directory to your installation directory overwriting the existing one.
Run the game using FIFA10.exe

to install this game you must find in the Electronic Arts (EA) Sports website. so please enjoy and have fun with this review

Driving Under the Influence

noreply@blogger.com (johnb0y) — Mon, 5 Sep 2011 16:40:00 -0700

What is Driving Under the Influence?

Driving under the influence (DUI) is a term used by most states, including California, Florida and Pennsylvania, for being legally intoxicated or impaired while operating a motor vehicle. The threshold for legal intoxication is typically when a breath, blood or urine test registers a blood alcohol content of 0.08%. Minors under the legal drinking age may be declared under the influence at a lower BAC percentage. Similarly, law enforcement may arrest a motorist for being impaired even when their BAC is lower than 0.08%.

DUI is referred to as DWI (Driving While Intoxicated) in eight states, including New York and Texas, and OVI/OMVI (Operating a Motor Vehicle while Intoxicated) in Ohio. For the most part, the acronyms are equivalent and represent being charged with drunk driving. In a few circumstances however, DUI may represent a lower offense in a DWI state. Having a BAC higher than 0.08% would be called a DWI while a DUI would apply to motorists with a BAC of less than 0.08% who are still deemed to be impaired and thus incapable of driving safely.

The penalties vary for a DUI offense. Specific laws can be reviewed for all fifty states by finding in each states.