Classic Car Insurance

Here?s why:

If you buy a conventional insurance policy for an antique vehicle (in most cases, this is defined as a vehicle that is at least 25 years old) the coverage will probably be liability-only, because most conventional insurance policies base their coverages on the average ?book value? of a vehicle according to used car value guides. And the average car over twenty years old is, typically, a rolling wreck. If it?s even capable of rolling under its own steam. What this means is that if there?s an accident, only the damages to the other person?s car will be covered. You will have to cover the cost of any needed repairs to your vehicle yourself.

And if the car is beyond fixing, you lose everything.

The second problem with conventional insurance is the assumption that the vehicle is driven regularly. This means ? you guessed it ? you pay more. I don?t like the way most insurance companies do business, but I must concede that it?s not unreasonable to at least partially base premiums on risk exposure: The more a car is driven, the higher the odds that eventually, a loss will be incurred. Whether as a result of a deer springing into the road or a sail fawn-addled oblivio piling into you from behind when you?re stopped waiting at a red light ? the odds stack up against you the more you?re in circulation. Well, conventional insurance assumes you are in circulation often. Even if the car is not listed as the ?primary? car the policy will still assume it is driven regularly ? and your rates will be charged accordingly.

Result? You pay probably more than you should be paying ? and get minimal coverage in return.

With specialty antique/collector car insurance, the equation is reversed. You should end up paying less ? and getting much better coverage. Coverage that will actually pay to get the car fixed if some bozo hits you ? or, in the worst case, console you with a check for the car?s fair market value, so that you can go out and buy another.

Specialty insurers such as Hagerty, J.C. Taylor, Condon and Skelly, and American Collectors Insurance issue what?s known in the biz as ?agreed value? policies. These are based not on generic ?book values,? like conventional insurance policies ? but on individual car-by-car appraisals and the more accurate valuations of the collector car (vs. used car) marketplace. Such insurers know that (for example) a mint condition ?76 Trans-Am like mine is not just an old car, but a classic muscle car. And they know that my specific car is in excellent condition ? not a decayed hulk with weeds growing through the floorpans.

The policies? acknowledge explicitly ? in legally enforceable, contractual terms ? that it would cost a lot more than the generic amounts listed in most used car guides to replace such a car.? So, to use my situation as a case-in-point, the policy I?ve got has ?agreed value? comprehensive coverage that?s in line with the actual market value of my specific car. If someone hits me and totals the car, I get a check for that specific amount ? not an ?adjuster?s? lowball.

Of course, it was necessary for me to document the actual condition of my car before the policy was issued. Most specialty insurers will either send an an appraiser to look the vehicle over ? or ask that you provide documentation, such as detailed photographs of the car, receipts, etc. to back up your statement as to its condition. You?ll also be asked (and may be required to document) whether the car is kept in a secured, protected environment such as an enclosed garage???as opposed to being parked outside where it?s exposed to the elements. And potential thieves. Also, any modifications performed on the car ? such as engine upgrades to boost the factory-rated horsepower ? may affect the final quote.

Another point: Almost all antique vehicle insurance policies are issued with the caveat that the car can?t be driven regularly. There are typically mileage restrictions of about 2,000 or less annually. It?s common for the insurer to require that the vehicle be registered as an antique with your state DMV and wear Antique Vehicle tags, which are limited use tags.

In my case, each year at renewal time I am required to provide an odometer statement. If I exceed the stated maximums, I have violated the terms and conditions of the policy. And if the cops see me driving my old Pontiac every day, I could be ticketed, too.

So, if you drive an older car every day, or use it as your primary form of transportation, antique vehicle insurance is probably not for you.

The upside is that, because of the decreased exposure to risk that?s inherent in insuring an infrequently driven antique, the premiums tend to be much lower. For example, when I first switched from conventional coverage that treated my classic Pontiac as though it spent two hours every day in heavy Washington, D.C. traffic ? with all the risk that entails ? to an antique policy that assumes the car mostly sits under cover inside my garage ? I cut my insurance costs in half and also increased my coverage from nil to ?agreed value.?

It?s peace of mind ? and a great way to save a good chunk of change.

Throw it in the Woods?

Image Credit:? Copyright - American Daily Herald ? ?

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U.S. sets preliminary duties on China wind towers

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China promises support for 7 emerging industries

(AP) ? China's Cabinet said Wednesday it has approved plans to promote development of seven emerging industries including clean energy as it tries to restructure the economy and boost growth.

The announcement comes as Beijing is trying to fight an economic slump with spending on affordable housing and public works construction.

The Cabinet said it approved plans to launch 20 "major projects" for emerging industries but gave no details of what support they might receive. Previous technology development efforts have included subsidies, tax breaks and other support that trading partners including the United States complained violated free-trade principles.

Other emerging industries targeted for support include environmental protection, information technology, biology, advanced equipment manufacturing, new materials and new-energy vehicles, the Cabinet said.

Its statement said that development of emerging industries would help the economy while it faces "increasing downward pressure."

China's economic growth fell to a nearly three-year low of 8.1 percent in the first quarter. The International Monetary Fund is forecasting 8.2 percent growth for the year, and analysts say government efforts including spending on public works should help to drive an economic rebound in the second half.

Longer-term, Chinese leaders want to transform their low-wage economy of farmers and factory workers into a creator of profitable technology. Some fields such as renewable energy also serve strategic goals by reducing dependence on imported fuel.

Some previous government efforts to promote new industries such as solar and wind power have prompted complaints Beijing has used improper subsidies or trade barriers or pressured foreign companies to hand over technology.

The U.S. Commerce Department ruled this month that Chinese manufacturers were selling solar power equipment in the United States at unfairly low prices. Beijing fired back with a ruling by its own Commerce Ministry that U.S. government support for some renewable energy projects violated free-trade rules.

____

Chinese Cabinet (in Chinese): www.gov.cn

Associated Press

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Insert Coin: Twig, the tiny iPhone cable that's also a tripod (video)

In Insert Coin, we look at an exciting new tech project that requires funding before it can hit production. If you'd like to pitch a project, please send us a tip with "Insert Coin" as the subject line.

Image

Imagine an iPhone cable that was only four-inches long, doubled as a tripod and could bend to your every whim? That's the idea behind Twig, designed by former WIMM engineer Jason Hilbourne, who wanted something sturdier, smaller and more portable than Cupertino's "limp noodle." In partnership with an iOS accessory maker, the cable's three sturdy prongs will transform into a dock, wrap around objects or create a free-standing tripod for your FaceTime needs. It needs $50,000 to turn from dismembered action-figure prototype to reality, with an $18 pledge enough to secure you one of the first to leave the factory. After the break we've got the pitch footage, which includes what happens when you start prototyping with your Speed Racer dolls.

Continue reading Insert Coin: Twig, the tiny iPhone cable that's also a tripod (video)

Insert Coin: Twig, the tiny iPhone cable that's also a tripod (video) originally appeared on Engadget on Tue, 29 May 2012 07:09:00 EDT. Please see our terms for use of feeds.

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Cox Business Consulting | Build Trust by Setting Expectations

Posted by Tom on Leadership on Tuesday, May 29, 2012

If you?re normal, the biggest opportunity your team faces is trusting each other even more. Until they can say anything to each other, and everybody can listen open-mindedly and never ever take offense ? until you build your team up to that level, they will perform below their potential. The most common obstacle is that the trust-building cycle of setting an expectation, and then meeting it, gets broken at the beginning because they never communicate clearly enough to set truly clear expectations. Worse, most people see the pattern and mis-identify it as being a performance problem. It?s not. The Unreliable Co-Worker Consider the experience of Pat the Performer, and her co-worker Late Nate. Pat complained that Nate always arrived to work, well, late. Every single day. Nate also got back from lunch late, every day. Some days it was 5 minutes. Some days it was 15 minutes. Pat brought this [...]

Categories: Articles

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Real estate market conditions: May 28, 2012 | Randall Brennan ...

Real estate market conditions have continued to improve here in the Denver area and around the country.real estate market conditions

National real estate market conditions

Let?s start with some of the national data. In short, the national housing market is showing some real signs of strength. Take a look at these numbers from the National Association of REALTORS? Existing Sales Report for April:

  • Sales are up 10% from 2011
  • Prices are up 10.1%
  • 30-year interest rates are down almost a full point
  • The inventory of homes for sale is down?almost 21%
  • Percentage of distressed sales (foreclosures and short sales) is down 9%

Those are some pretty amazing numbers, considering that a year ago, we were only starting to get a hint that real estate market conditions might?be starting to rebound, and some were thinking it would take until 2014 to see any real improvement.

The National Association of REALTORS reports that the April 2012 improvements in the real estate market conditions were broad-based, and seen across all regions. Standard and Poor?s Rating Services, though, estimate it will take almost four years to fully clear up the ?shadow inventory? of distressed homes and bring that part of the market to ?normal? levels. (The shadow inventory is made up of homes that are in the foreclosure system, but are not yet on the market.)

Predictions published within the last 60 days from the Home Price Expectations Survey,?the Urban Land Institute Real Estate Consensus Forecast, and the Demand Institute?are all showing a slow but steady strengthening of real estate market conditions. Between now and 2014, they all show increases to about 3% annual growth in home prices.

Most telling of all, though, is this chart of the changing opinions of some highly-regarded industry analysts. All of them write often on the status of real estate market conditions. Perhaps you?ve even been following them.

real estate market conditions

source: Keeping Current Matters

Local real estate market conditions

The local (Denver-area) real estate market conditions are generally even stronger than the national real estate market conditions. The situation was similar to previous market conditions. Take a look at these statistics of the Denver real estate market conditions from 10k Research Marketing:

real estate market conditions

Those are some strong numbers, folks. The real estate market conditions in the Denver area are border-line wacko-crazy. In fact, one of the agents in our office recently reported receiving over 80 ? 80! ? offers on a single listing. When we last saw him, the price of the property had been bid way, way over the listing price. (That leads to some interesting negotiating situations that are outside the scope of this post, but look for them in future posts.)

As an aside, if you are interested in investing in real estate, right now Denver, Douglas, Jefferson and Arapahoe Counties are all reporting less than 2% vacancy in residential properties*. That?s virtually full occupancy, and can be easily accounted for in just people moving in and out. Average rents in those counties are now over $1000 per month, and rose over the previous year in each of those counties except Arapahoe County.?Now is a great time to be an owner in the rental market.

By the way, in case you hadn?t noticed, I?ve added an economic data widget to the site. It shows a series of graphs showing current conditions in a variety of areas, not just the real estate market conditions. I hesitate to tell you where it is, because I?m prone to moving things around, but for now, it?s located on the pages that have a left-side sidebar.?

*Inside Real Estate News, May 25, 2012

So what?s next? Take your pick.

?

real estate market conditions

real estate market conditions

real estate market conditions

Yeah. You should probably do at least one of those things right now.

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Greenland's current loss of ice mass

[ Back to EurekAlert! ] Public release date: 29-May-2012
[ | E-mail | Share Share ]

Contact: F. Ossing
ossing@gfz-potsdam.de
49-331-288-1040
Helmholtz Association of German Research Centres

Loss through melting and iceberg calving during the last 10 years is unusually high compared to the last 50 years

The Greenland ice sheet continues to lose mass and thus contributes at about 0.7 millimeters per year to the currently observed sea level change of about 3 mm per year. This trend increases each year by a further 0.07 millimeters per year. The pattern and temporal nature of loss is complex. The mass loss is largest in southwest and northwest Greenland; the respective contributions of melting, iceberg calving and fluctuations in snow accumulation differing considerably. This result has been published by an international research group led by the GFZ German Research Centre for Geosciences in the latest issue of Earth and Planetary Science Letters, 1 June 2012. The result was made possible by a new comparison of three different types of satellite observations: measurements of the change in gravity by changes in ice mass with the satellite pair GRACE, height variation with the laser altimeter on the NASA satellite ICESat and determination of the difference between the accumulation of regional atmospheric models and the glacier discharge, as measured by satellite radar data.

For the first time and for each region, the researchers could determine with unprecedented precision which percentage melting, iceberg calving and fluctuations in rainfall have on the current mass loss. "Such an increase in mass loss in the northwest after 2005 is partly due to heavy snowfall in the years before", says GFZ scientist Ingo Sasgen, head of the study. "The previous mass gain was reduced in subsequent years. Similarly in eastern Greenland: In the years 2008 and 2009 there was even a mass increase". As the researchers were able to show, this was not due to decreased glacier velocities, but because of two winters with very heavy snowfall. Meanwhile, the loss of ice mass continues here. For all studied regions the melting and calving periods between 2002 and 2011 are extraordinarily high compared to those of the last five decades.

The work was created in the framework of the Helmholtz Climate Initiative REKLIMof the Helmholtz Association and the EU project ice2sea. Due to the study, the researchers can get a little closer to understanding the current developments of the Greenland ice sheet. Ingo Sasgen: "We now know very well how calving glaciers and melting contribute to the current mass balance, and when regional trends are largely caused by rainfall variations. And we also know where our measurements must be improved." One such area is north-western Greenland, where the comparison of data indicates an abrupt increase in the calving rate, which was detected by the radar data inadequately. The REKLIM/ice2sea scientists want to find out what causes this increase and if it has a continuous or episodic character. A necessary prerequisite is a sufficiently long time series of measurements that is to be created by the continued precise gravity measurements in the context of the new satellite mission GRACE-FO (Gravity Recovery And Climate Experiment Follow On).

###

Ingo Sasgen et al., Timing and Origin of Recent Regional Ice-Mass Loss in Greenland", Earth and Planetary Science Letters (EPSL), doi: 10.1016/j.epsl.2012.03.033, Volumes 333-334, 1 June 2012, Pages 293-303 http://www.sciencedirect.com/science/article/pii/S0012821X12001628

Pictures of Greenland ice in a printable resolution can be found here: www.gfz-potsdam.de/portal/gfz/Public+Relations/M40-Bildarchiv/Bildergalerie_G...


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


[ Back to EurekAlert! ] Public release date: 29-May-2012
[ | E-mail | Share Share ]

Contact: F. Ossing
ossing@gfz-potsdam.de
49-331-288-1040
Helmholtz Association of German Research Centres

Loss through melting and iceberg calving during the last 10 years is unusually high compared to the last 50 years

The Greenland ice sheet continues to lose mass and thus contributes at about 0.7 millimeters per year to the currently observed sea level change of about 3 mm per year. This trend increases each year by a further 0.07 millimeters per year. The pattern and temporal nature of loss is complex. The mass loss is largest in southwest and northwest Greenland; the respective contributions of melting, iceberg calving and fluctuations in snow accumulation differing considerably. This result has been published by an international research group led by the GFZ German Research Centre for Geosciences in the latest issue of Earth and Planetary Science Letters, 1 June 2012. The result was made possible by a new comparison of three different types of satellite observations: measurements of the change in gravity by changes in ice mass with the satellite pair GRACE, height variation with the laser altimeter on the NASA satellite ICESat and determination of the difference between the accumulation of regional atmospheric models and the glacier discharge, as measured by satellite radar data.

For the first time and for each region, the researchers could determine with unprecedented precision which percentage melting, iceberg calving and fluctuations in rainfall have on the current mass loss. "Such an increase in mass loss in the northwest after 2005 is partly due to heavy snowfall in the years before", says GFZ scientist Ingo Sasgen, head of the study. "The previous mass gain was reduced in subsequent years. Similarly in eastern Greenland: In the years 2008 and 2009 there was even a mass increase". As the researchers were able to show, this was not due to decreased glacier velocities, but because of two winters with very heavy snowfall. Meanwhile, the loss of ice mass continues here. For all studied regions the melting and calving periods between 2002 and 2011 are extraordinarily high compared to those of the last five decades.

The work was created in the framework of the Helmholtz Climate Initiative REKLIMof the Helmholtz Association and the EU project ice2sea. Due to the study, the researchers can get a little closer to understanding the current developments of the Greenland ice sheet. Ingo Sasgen: "We now know very well how calving glaciers and melting contribute to the current mass balance, and when regional trends are largely caused by rainfall variations. And we also know where our measurements must be improved." One such area is north-western Greenland, where the comparison of data indicates an abrupt increase in the calving rate, which was detected by the radar data inadequately. The REKLIM/ice2sea scientists want to find out what causes this increase and if it has a continuous or episodic character. A necessary prerequisite is a sufficiently long time series of measurements that is to be created by the continued precise gravity measurements in the context of the new satellite mission GRACE-FO (Gravity Recovery And Climate Experiment Follow On).

###

Ingo Sasgen et al., Timing and Origin of Recent Regional Ice-Mass Loss in Greenland", Earth and Planetary Science Letters (EPSL), doi: 10.1016/j.epsl.2012.03.033, Volumes 333-334, 1 June 2012, Pages 293-303 http://www.sciencedirect.com/science/article/pii/S0012821X12001628

Pictures of Greenland ice in a printable resolution can be found here: www.gfz-potsdam.de/portal/gfz/Public+Relations/M40-Bildarchiv/Bildergalerie_G...


[ Back to EurekAlert! ] [ | E-mail | Share Share ]

?


AAAS and EurekAlert! are not responsible for the accuracy of news releases posted to EurekAlert! by contributing institutions or for the use of any information through the EurekAlert! system.


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Targeting tuberculosis 'hotspots' could have widespread benefit

Tuesday, May 29, 2012

Reducing tuberculosis transmission in geographic "hotspots" where infections are highest could significantly reduce TB transmission on a broader scale, according to a study led by researchers at the Johns Hopkins Bloomberg School of Public Health. An analysis of data from Rio de Janeiro showed that a reduction in TB infections within three high-transmission hotspots could reduce citywide transmission by 9.8 percent over 5 years, and as much as 29 percent over 50 years. The study was published May 28 by the journal PNAS.

"Targeting treatment of 'core groups' as a way to reduce community-wide transmission is common with diseases like HIV and malaria, but is less accepted as a mantra for TB control," said David Dowdy, MD, PhD, ScM, lead author of the study and assistant professor in the Bloomberg School's Department of Epidemiology. "Our findings suggest that hotspots containing 6 percent of a city's population can be responsible for 35 percent or more of its ongoing TB transmission. Controlling TB in these hotspots may have a similar impact on long-term, community-wide TB incidence as achieving the same targets in the remaining 94 percent of the population."

For the study, Dowdy and his colleagues developed mathematical models for TB transmission using surveillance data from Rio de Janeiro. Each model tested different scenarios for TB transmission between the hotspot and the rest of the community. Co-infection with HIV was also factored into the model.

According to the study, reducing TB transmission rates in the hotspot to those in the general community reduced citywide TB incidence by a mean 2 percent per year over the first 5 years. By year 50, TB incidence was reduced by 29.7 percent, reflecting a 62.8 percent reduction in incidence in the hotspot and a 23.1 percent reduction in the remaining community.

Tuberculosis infects more than 8.8 million people worldwide, resulting in 1.4 million deaths each year. The disease is known to cluster in hotspots typically characterized by crowding, poverty and other illnesses such as HIV. Nevertheless, TB transmission appears to be more homogeneous than that of many other infectious diseases, in which 20 percent of the population may generate 80 percent of infections.

According to Dowdy, "TB may not follow the same '80/20' rule that we see in parasitic or sexually transmitted diseases, but the '35/6' rule seen in our study suggests that targeting hotspots is still the best way to control TB in a community."

###

Johns Hopkins University Bloomberg School of Public Health: http://www.jhsph.edu

Thanks to Johns Hopkins University Bloomberg School of Public Health for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

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Yoga Siesta for the Spine Yoga Video

Duration: 21 minutes
Level: All Levels
Views: 2306

Give your spine a joyful release as you lightly take the body into all ranges of spinal plane of motions with Kreg Weiss. From twists to bends, ease tension out of key muscle areas that typically prevent the spine from enjoying fluid space.

Tags: Hatha, Yoga, Kreg Weiss, flow, Body, spine, twists, tension, muscle, release, bends, spinal, ease, kreg, fluid, siesta, motions, space

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