DES MOINES, Iowa ? A federal appeals court has ruled that an Iowa girl conceived through artificial insemination after her father's death cannot receive his Social Security benefits.
The 8th U.S. Circuit Court of Appeals' decision reversed a district court ruling that granted benefits to the girl, who is now 8. The appeals court ruled Monday that she did not meet eligibility requirements under Iowa law.
An outdated Iowa law limited inheritance rights to a child who had a relationship with a person at the time of that person's death. A new state law that took effect in May grants inheritance rights to children conceived posthumously, but is not retroactive.
Bruce Beeler died of leukemia in 2001, and his wife Patti Beeler was later artificially inseminated with sperm the couple had decided to preserve.
If you live in a mobile home you will have to do things a little different than remodeling a normal home. It is natural that your mobile home won?t beckon any pressing need to upgrade, irrespective of its extent. But when you examined it, you would be stunned that there are numerous mobile home remodeling ideas that may suit you. Renovating your mobile home will depend mostly on what you want to update in the inner recesses of your home. Mobile home remodeling projects must be dealt with carefully in order to prevent overspending and exceeding the value of the home. Remodeling your mobile home need not be a problem. Just use your ingenuity to do it in a warm and classy way.
Update Wood Paneling If your mobile home is a little bit old you probably have the feared wood paneling. The primary thing that you should do is to paint it to achieve a more rustic look.
If you love the appearance of the wood paneling you can dapper it up by using some grease to bring out its innate color. Another option is to tear off the wood paneling and swapping it with sheet rock. The wood paneling can be polished with sandpaper till it is sleek and shiny. You can also put wallpaper over it depending on the design you want to achieve.
Care for Ceiling The most susceptible part specifically to staining is the ceiling of a manufactured home. Stains are a familiar trait of mobile home ceilings. Usually when there is a roof leakage or water condensation droplet of water trickles down onto the roof ceiling. Replacing it is a challenge which entails proficient handling. Edges needs to be sealed and screw heads must also be swathed for a glossy finish. Ceiling fans must be set up with immense caution to guarantee the bearing potency of the object and avoid any kinds of misfortune.
Mobile home fixtures When doing interior home improvement projects keep in mind that some materials used in mobile homes are different from those used in conventional homes.
Setting up doorknobs and faucets is a little bit hard. Choose those that are made specifically for mobile homes. Before purchasing a replacement make sure to remove the fixtures and measure all the holes. Special screws and other tools for fixture replacements are also necessary so when purchasing new items bring along your existing hardware with you.
Manufacturer?s Warranty When purchasing a manufactured home a manufacturer?s warranty is always included. Every purchaser should keep the warranty and record of its coverage because this covers the repairs when you do home remodeling. In most cases the warranty covers an entire record of all your interests.
Mobile homes are one of the varied ways for couples and families to possess a home without squandering a great deal of money. Remodeling it could further save your money and still provide the comfort that normal homes can give.
LOS ANGELES ? Los Angeles International Airport is reporting normal flight operations following the reopening of major East Coast airports.
But Los Angeles World Airports spokeswoman Diana Sanchez urges travelers heading east to contact airlines for rescheduling, flight delays and cancellations because of the legacy of stranded passengers due to Tropical Storm Irene.
Flight tracking service FlightAware says nearly 1,500 Monday flights have been cancelled nationally, adding to the nearly 12,000 grounded this weekend.
Posted: Fri Mar 05, 2010 12:05 pm?? ?Post subject: Car insurance for household with high disposable income
Thus far I've been on someone else's policy and I'm considering switching to my own car insurance. However, I'm new to all this and am wondering what level of policy makes the most sense for me.
1999 Isuzu Rodeo - Worth about $4500
2010 Toyota Rav4 - Bought last year for 32k
My household has 2 drivers including myself. Our household has an income of roughly $220k. We have about $70k per year left over after all expenses. Given this, should my insurance amount be the minimum allowed by the law? Since I can probably afford to replace the car if necessary. Should I get collision protection on the Rav4?
I'm considering Geicko as the insurer at this time. If there any good resources you can provide in picking an insurer, that would be also greatly appreciated.
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sscritic
Joined: 06 Sep 2007 Posts: 7633
Posted: Fri Mar 05, 2010 12:19 pm?? ?Post subject:
Do you like being sued?
Do you like paying large judgments?
With a high income, you should have lots of liability insurance. On the other side, you can pay any large deductibles our of your regular income, so you just set your deductibles for collision etc on the high side.
Start here for some explanations of the different forms of coverage:
http://www.carinsurance.com/Co....tions.aspx
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German Expat
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Quasimodo
Joined: 03 May 2007 Posts: 982
Posted: Fri Mar 05, 2010 5:15 pm?? ?Post subject:
We have auto and umbrella insurance with GEICO. Our $1MM umbrella costs a little over $100 a year. We'd buy it even if it was substantially more. If you drive a car, you need umbrella liability because of the potential for doing enough damage to trigger a large lawsuit, in my opinion.
I like GEICO because it's part of Berkshire Hathaway, so the financial stability should be good, and I believe any B-H subsidiary is going to be well managed and offer fair value. I don't care about getting the cheapest possible price. Insurance companies that lowball price usually lowball coverage and service, too.
Your wife needs Pharmacists Professional liability. That?s going to be coverage separate from your personal liability, auto liability and umbrella coverages.
One article discussing pharmacist?s liability:
http://www.rxrecruiters.com/ph....urance.htm
Good luck!
John _________________ Once you hear the details of victory, it is hard to distinguish it from a defeat.
Jean-Paul Sartre, writer and philosopher (1905-1980)
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agnielson
Joined: 11 Jan 2010 Posts: 15
Posted: Sat Mar 06, 2010 4:09 am?? ?Post subject:
I've found that having high bodily injury, property damage and uninsured/underinsured limits on your auto policy typically does not cost as much as going from the highest collision/comprehensive deductible to the lowest one. Besides, I view it a bit like income protection, as others have alluded to. With a fully-stocked emergency fund, you should be able to save by cranking up the collision/comprehensive coverage.
When I shopped around for insurance about six months ago, I looked online for all the independent insurance brokers in the area (e.g. didn't have Allstate or State Farm in their name). I narrowed the list down to three or so, sat down with each of them and had them run quotes. One was great to work with, one misplaced our info and was way too casual, and the other didn't show up to the appointment. Guess who got our business? Wife and I have been very happy thus far.
Ditto the umbrella policy. It's hella-cheap for peace of mind.
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CrankyManager
Joined: 12 May 2010 Posts: 243 Location: Nebraska
Posted: Wed May 12, 2010 3:06 pm?? ?Post subject:
Not only do a lot of people need an umbrella to cover their personal assets, it's also helpful for those sorts of things that your auto and personal liability (on your homeowners policy) DON'T cover. Personal injury suits are one of those things. Liability issues that may arise away from your home are another.
No matter how frivolous personal injury suits can be, an umbrella will still cover your legal defense costs. And no matter how much liability coverage you have on your homeowners policy, unless you have a specific endorsement extending personal injury liability coverage, you typically don't have any unless you buy an umbrella. You may want to ask your insurer.
Even though I don't have a staggering number of assets, I still maintain $250k/$500k limits on my auto policy (the minimum amount my insurer requires for an umbrella), $1MM in liability on my homeowners, and a $1MM umbrella policy.
Since the umbrella policies nearly give away liability insurance, you'll hardly ever regret buying it, I would think.
