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protozotypes · 7 years

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The Outbreak

One of the big tropes that's always bothered me about zombies in media is how they almost always manage to overwhelm humanity to the point of near extinction. A couple years back I planned out a story and a main character for a scenario where a large scale outbreak occurs, but the US Military is actually able to give the infection a run for its money. I never got around to fleshing that plot out, until now.

This is the backstory for the universe of my character PFC Mark Pelayo’s scenario, explaining the origins of the initial infection. A second piece from Mark’s point of view titled “The Escape” can be found here.

October 1994: Researchers in the Amazon Rainforest discover a new species of virus named lyssis malesuada with the ability to infect, kill, and control the corpses of certain orders of mammals. After preliminary research proves a potential harm to humans, areas of the Rainforest where the virus is proven to exist are declared exclusion zones and closed to human development under the guise of environmental protection. Over the next two decades, little research is done on the disease due to the small range of the disease and low priority of doing so.

July 2013: An tourist from New York City on an illegal tour within the protected zone of the Rainforest is bitten by an infected rodent. The tourist has the cut inspected at a hospital in Santarem, Brazil, however nothing appears out of the ordinary and he returns home a week later.

Jan. 17th, 2014, 1:34 PM: After the disease gestates within him for more than six months, the tourist suddenly collapses and dies en route to Lenox Hill Hospital despite the efforts of medical personnel to save him. The seemingly dead man turns shortly after arrival to the hospital and injures three medical personnel before he is restrained.

4:23 PM: The CDC and FEMA receives word of the situation, and after researching the victim soon links the incident in New York to the disease in Brazil. Agents arrive on the scene by 5:30 PM, quarantining the hospital and placing an exclusion zone reaching from E 74th to E 79th St. and Madison to 3rd Ave. around it. Some two dozen people determined to have been in immediate contact with the victim (”Patient Zero”) at the time of his death are placed in isolation, and civilians in the hospital and exclusion zone are evacuated to other areas of the city.

9:04 PM: Everyone injured by Patient Zero suddenly dies, reanimating anywhere from a half an hour to a few minutes later. Security teams are initially successful in containing the outbreak, but researchers, guards, and patients who were infected in the chaos soon reanimate on the spot, overwhelming the surviving teams. A distress signal is sent to containment units outside before contact with Lenox Hill Hospital is lost. Despite the chaos inside, the perimeter outside the hospital is held.

9:30-10PM: As the full gravity of the situation becomes clear, FEMA issues a public announcement declaring the Upper East Side and Lenox Hill a disaster zone, evacuating uninfected civilians within the extended quarantine area and closing FDR Drive to everything except emergency units. Units of the NY National Guard’s 42nd Infantry Division are called in to maintain the quarantine, taking over for the FEMA agents. As military units enter the fray, “Operation Securing Liberty” officially begins. Normal life in the city grinds to a halt as public services cease and people begin to flee the city.

10:25 PM: Soon after the 42nd takes over the infected inside Lenox Hill suddenly swarm outside at once, attacking anything in their way: FEMA agents, National Guard soldiers, and fleeing civilians alike. Although the 42nd eliminates countless hostiles, the dozens of infected from the hospital grows into hundreds and force the units to begin pulling back several blocks.

10:40 PM: The entirety of Manhattan Island is declared a disaster zone, and evacuations of civilians out of Manhattan begin. Bridges are closed and turned into checkpoints, and civilians checked for infection before being allowed for evacuate. More National Guard units are called in, including the 106th Rescue Wing. Throughout the night and into the morning the National Guard is able to keep a foothold and contains the infection to Lenox Hill and the Upper East Side.

Jan 18th, 2014, 5:30 AM: Organized evacuation centers begin operation, and individual passenger cars are barred from evacuating on the bridges. Centers are established at many major landmarks in the city, including Times Square, Grand Central Station, and the East 34th St. Helipad.

1:30 PM: As the 42nd pulls back, Lenox Hill and the Upper East Side are declared lost and targeted airstrikes commence. Lenox Hill Hospital, Central FDR Drive, and the Queensboro Bridge are one of many locations targeted and destroyed.

Jan. 18th - Feb. 3rd, 2014: Over 1.3 million civilians trapped in Manhattan are evacuated over the following two weeks, with another 700,000 presumed killed, infected, or left behind in the city. The National Guard holds out for those two weeks, slowly pulling back to the evacuation centers while sustaining heavy losses. On Jan. 21st, bridge evacuations cease and all land links to Manhattan Island are destroyed to prevent the spread of infection.

As a precaution, a 50-mile exclusion zone is declared around the New York City Metro Area late Jan. 24th, with evacuations of another 9 million in the affected areas beginning the next day. These evacuations begin with relative ease since cases of infection outside of Manhattan are limited. By Feb. 1st, the exclusion zone is largely deserted and evacuations slow. The zone is completely barricaded starting on the 1st, except for a handful of processing centers established on interstate highways to process any stragglers.

Feb. 3rd, 2014, 7:23 AM: As the few remaining evacuation centers in Manhattan report threats of being overrun, “Operation Securing Liberty” is declared a failure and the US National Guard declares the city lost, issuing an order for all remaining units to cease civilian evacuation and pull out. An ultimatum is issued for any other survivors in the city:

“In 36 hours, New York and a 50-mile perimeter around the city will be destroyed in a coordinated missile strike. Survivors who can escape Manhattan and reach evacuation centers on the edge of the zone along Interstates I-78, I-87, and I-495 will continue to be processed until 3 hours pre-detonation. GET OUT WHILE YOU CAN, THE CITY IS LOST.”

Feb. 3, 2014, 9 PM: The 106th Rescue Wing stationed at the East 34th St. Helipad is one of the last military detachments to leave the city, with Echo 1 evacuating with one final group of civilians 14 hours post-announcement as their position is overrun.

9:15 PM: En-route to Gabreski Air Base in eastern Long Island, Echo 1-3 is downed near West Islip after a civilian turns mid-flight and a pilot is bitten in the chaos. Survivors are unknown, but unlikely and the decision is made to press forward. Echo 1-1 and 1-2 safely arrive at Gabreski an hour later. [Pelayo’s story starts here.]

Feb. 4th, 2014, 5 PM: True to their word, the US Military halts further processing of survivors within the exclusion zone. Shoot-to-kill orders are given for any further escapees.

8 PM: The New York Metropolitan area is leveled by three non-nuclear thermobaric missiles, directed at Manhattan, Brooklyn, and Newark. A 30-mile radius around Manhattan Island is completely destroyed, taking with it hundreds of thousands of infected and stranded survivors. Another 20 miles outward is rendered uninhabitable and declared a danger zone. Initial reports indicate the infection is wiped out, but it’s possible something has survived...

#writings #seb's characters #pfc mark pelayo #outbreak

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vsplusonline · 4 years

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Millions in China working from home amid novel coronavirus crackdown

New Post has been published on https://apzweb.com/millions-in-china-working-from-home-amid-novel-coronavirus-crackdown/

Millions in China working from home amid novel coronavirus crackdown

In the middle of a phone call with a customer, an important visitor knocks on Michael Xiong’s door: his 3-year-old son.

Xiong, a salesman in Chibi, a city near the center of a virus outbreak, is one of millions of people in China who are obeying government orders to work from home as part of the most sweeping anti-disease measures ever imposed.

After breakfast, Xiong leaves the 3-year-old and his 10-month-old brother with their grandparents. The salesman for IQAir, a Swiss maker of household air purifiers that are popular in China’s smog-choked cities, goes into a bedroom to talk to customers and try to find new ones by phone and email.

READ MORE: COVID-19 cases fall in China epicentre, cruise ship passengers disembark in Cambodia

His son “comes to knock on the door when I am in a meeting, asking for hugs,” Xiong said. “I put myself on mute, open the door and tell him I will be with him later, and he is fine with that.”

Story continues below advertisement

Most access to Wuhan, a city of 11 million people where Xiong usually works, was cut off Jan. 23 and some other cities have imposed travel restrictions. Controls imposed on business to try to stem the spread of infection extend nationwide, affecting tens of thousands of companies and hundreds of millions of employees.

The government extended the Lunar New Year holiday to keep factories and offices closed. Cinemas, temples and other tourist sites were shut down to prevent crowds from forming. Group tours were canceled and businesspeople told to put off travel.

1:43 Beijing flower business suffers due to COVID-19 outbreak

Beijing flower business suffers due to COVID-19 outbreak

China’s vast manufacturing industries cannot function without workers in factories. But as some businesses reopen, Beijing has told anyone who still can work from home to stay there.

That is forcing employees, from solo entrepreneurs to automaker Volkswagen AG’s 3,500-member headquarters staff in Beijing, to stay in touch with customers and business partners and keep companies functioning by phone and email.

Millions of Chinese entrepreneurs operate house-cleaning, small trading and other businesses out of their homes. Many have suffered the same impact as bigger businesses from restrictions on movement and orders to families to stay indoors.

READ MORE: COVID-19 travel restrictions based on misinformation, racism: health law scholars

Maggie Zhang, founder of SheTalks, a company in Beijing that organizes events for women, is working out of her parents’ apartment in the northwestern city of Zhangye in Gansu province. She went for the Lunar New Year and said she might stay through March.

Story continues below advertisement

Zhang temporarily stopped organizing talks and other public events and is gathering material for her company’s social media account to attract users.

In the morning, “I will do some interviews over the phone or online with women working at the front in fighting the epidemic and sometimes foreign businesswomen working in China,” said Zhang. “When I am working, my parents always try to keep quiet and not disturb me.”

1:31 Winnipeg businesses feeling economic impact of coronavirus

Winnipeg businesses feeling economic impact of coronavirus

Zhang said she uses the sunny living room to write and moves to a bedroom to do interviews or talk to employees. She works out on an elliptical machine during those calls “because my mind works faster when I exercise.”

Numbers of new virus cases reported daily have declined, but economists warn against assuming the disease and its impact on the world’s second-largest economy might soon be under control.

Quarantines in the central province of Hubei, which surrounds Wuhan, and some neighboring areas still are in place. Many large companies have told employees to stay home.

READ MORE: Royal Caribbean cancels 18 cruises, warns novel coronavirus likely to impact earnings

“A return to normal isn’t yet in sight,” said Roger Diwan of IHS Markit in a report.

Many employees already were equipped to work from home due to China’s almost universal adoption of smartphones, the internet and messaging and video call services, including the popular WeChat operated by Tencent Holdings Ltd.

Story continues below advertisement

China is “probably one of the best countries to do this,” said Michael Mayer, who is in charge of marketing for the Volkswagen auto brand in China. A 27-year veteran of VW, he came to China from India three years ago.

0:33 Coronavirus outbreak: China Health Commission says death toll at more than 1,300

Coronavirus outbreak: China Health Commission says death toll at more than 1,300

“This would be hard to do in Europe. People here are much more open to using digital tools,” said Mayer. “As sad as it sounds, this is the best place for us to try this experiment.”

After breakfast with his three teenagers, Mayer moves into a back room of their Beijing apartment to talk with coworkers by phone and video call while his children study in their bedrooms. They meet again for lunch.

“Now everybody’s at home,” said Mayer. “Not too bad. Actually quite interesting and quite pleasant.”

READ MORE: Demand for face masks causes concern among Canadian health-care workers

Volkswagen plans to reopen its Beijing offices on Monday but is waiting for updates from health authorities, said Mayer.

Xiong of IQAir expressed frustration at not being able to make his sales pitch to potential clients face to face but said the quarantine gives him more time with his son.

Xiong and his wife are among millions of parents who also looking after children who are cooped up at home because schools have been closed indefinitely. Xiong said he helps his son with lessons sent over WeChat by the kindergarten.

Story continues below advertisement

2:18 University of Montreal doctor doing his part to battle coronavirus

University of Montreal doctor doing his part to battle coronavirus

“Usually, when I get home from work, it is almost time for his bath and bed,” said Xiong. “Now that we spend time together every day, I think I know my child more and he relies on me more. Our connection is stronger, and so is the whole family.”

Many have barely set foot outdoors for almost three weeks.

Cities including Hangzhou, an industrial metropolis of 10 million people southwest of Shanghai that is home to e-commerce giant Alibaba, are allowing only one household member out each day to buy food.

READ MORE: Reality check: Why 15K new cases of COVID-19 doesn’t mean the outbreak is exploding

Apartment complexes in Beijing and other cities have been ordered to check visitors for fever. Many allow only residents to enter.

Zhang said she has left her parents’ complex only once to go shopping. She was nearly barred by security guards from returning.

“There are almost no people or cars on the street,” she said.

Ray Cheng, a Macau-born entrepreneur in the southern city of Guangzhou, said he starts the day by making a plan for his 7-year-old daughter and 5-year-old son — “what they need to do, then lunch, then what to do” — and then gets on the phone with his employees and customers.

Story continues below advertisement

2:22 Coronavirus outbreak: Champagne says no further planes chartered to repatriate Canadians

Coronavirus outbreak: Champagne says no further planes chartered to repatriate Canadians

“When I work, I arrange for them to do something to do. They are very focused and won’t bother me,” Cheng told a reporter. “Right now they are watching ‘Lion King’ so I can talk to you.”

IQAir’s China sales manager, Mike Bearden, said he usually spends 50% of his time on the road but has been at home in Beijing for three weeks talking by phone with potential customers. He said sales might get a boost from the virus because families and hospitals are thinking more about clean air.

“It’s probably the longest stretch I’ve stayed in Beijing in the last 10 years,” said Bearden, a Canadian-American who grew up in Seattle. “My exercise is basically pacing my apartment while having phone conversations.”

AP researcher Yu Bing contributed.

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laynebaril1blog-blog · 6 years

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· Question 1

4 out of 4 points

When two knowledgeable people acting independently each produce the same information, this information is said to be

· Question 2

4 out of 4 points

A frantic StroFrinzel called the home office from Des Moines. "You have got to help me. I am about to close a great sale, but I have to be able to guarantee delivery by the fourteenth. I can't get through to the company Web site to verify delivery!" "Thank you for calling. Your call is very important to us. However, all of our lines are currently in use. Please try again later." Which of the following characteristics of useful information is absent in the situation described above?

· Question 3

4 out of 4 points

The process of creating value for customers is the result of nine activities that form a

· Question 4

4 out of 4 points

One group that relies on both the adequate collection and transformation of data for decision-making purposes for an organization is

· Question 5

4 out of 4 points

Transaction cycles can be summarized on a high level as "give-get" transactions. An example of "give-get" in the expenditure cycle would be

· Question 6

4 out of 4 points

The coding technique most likely used for sales orders is called a

· Question 7

4 out of 4 points

Pre-numbering of source documents helps to verify that

· Question 8

4 out of 4 points

Documents that are sent to customers or suppliers and then sent back to the company in the course of a business transaction are known as

· Question 9

4 out of 4 points

The quality assurance department at a large manufacturing business enters data into the AIS that is used to produce a weekly report that summarizes the proportion of defective units in each product line. This is an example of

· Question 10

4 out of 4 points

The general ledger account that corresponds to a subsidiary ledger account is known as a

· Question 11

4 out of 4 points

In general, a data destination will be shown by

· Question 12

4 out of 4 points

In a document flowchart of a manual payroll processing system, "update employee file" will be shown by a(n) ________ symbol, and "prepare payroll check" will be shown by a(n) ________ symbol.

· Question 13

4 out of 4 points

When preparing a document flowchart, the names of organizational departments or job functions should appear in the

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4 out of 4 points

The Union Soup Kitchen is a non-profit organization that collects, stores, prepares and provides food to the homeless in Erie, Pennsylvania. Donations of food are recorded in a database and a receipt is provided to the donor. When food is used, the database is updated so that it always reflects the amounts and types of food that are available. In a data flow diagram, which type of symbol would be used to represent the processing of donations?

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4 out of 4 points

The Sarbanes-Oxley Act requires independent auditors to

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4 out of 4 points

Record layouts, definitions, addresses, and indexes will be stored at the ________ level schema.

· Question 17

4 out of 4 points

The combination of the database, the DBMS, and the application programs that access the database through the DBMS is referred to as the

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4 out of 4 points

The problem of losing desired information from a database when an unwanted record is purged from the database is referred to as the ________ anomaly.

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4 out of 4 points

The delete anomaly

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4 out of 4 points

The data dictionary usually is maintained

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4 out of 4 points

Intentional or reckless conduct that results in materially misleading financial statements is called

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4 out of 4 points

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4 out of 4 points

One fraudulent scheme covers up a theft by creating cash through the transfer of money between banks. This is known as

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4 out of 4 points

Computer fraud is often much more difficult to detect than other types of fraud because

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4 out of 4 points

In many cases of fraud, the ________ takes more time and effort than the ________.

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4 out of 4 points

Tapping into a communications line and then entering the system by accompanying a legitimate user without their knowledge is called

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4 out of 4 points

A set of unauthorized computer instructions in an otherwise properly functioning program is known as a

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4 out of 4 points

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4 out of 4 points

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4 out of 4 points

The unauthorized use of special system programs to bypass regular system controls and perform illegal act is called

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4 out of 4 points

The risk that exists before management takes any steps to control the likelihood or impact of a risk is

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4 out of 4 points

Internal control is often referred to as a(n) ________, because it permeates an organization's operating activities and is an integral part of management activities.

· Question 33

4 out of 4 points

The primary purpose of the Foreign Corrupt Practices Act of 1977 was

· Question 34

4 out of 4 points

According to the ERM, these deal with the effectiveness and efficiency of company operations, such as performance and profitability goals.

· Question 35

4 out of 4 points

Store policy that allows retail clerks to process sales returns for $300 or less, with a receipt dated within the past 60 days, is an example of

· Question 36

4 out of 4 points

Restricting access of users to specific portions of the system as well as specific tasks, is

· Question 37

4 out of 4 points

A special purpose hardware device or software running on a general purpose computer, which filters information that is allowed to enter and leave the organization's information system, is known as a(n)

· Question 38

4 out of 4 points

Which of the following is an example of a corrective control?

· Question 39

4 out of 4 points

In 2007, a major U.S. financial institution hired a security firm to attempt to compromise its computer network. A week later, the firm reported that it had successfully entered the system without apparent detection and presented an analysis of the vulnerabilities that had been found. This is an example of a

· Question 40

4 out of 4 points

The most common input-related vulnerability is

· Question 41

4 out of 4 points

The system and processes used to issue and manage asymmetric keys and digital certificates are known as

· Question 42

4 out of 4 points

These are used to create digital signatures.

· Question 43

4 out of 4 points

In developing policies related to personal information about customers, Folding Squid Technologies adhered to the Trust Services framework. The standard applicable to these policies is

· Question 44

4 out of 4 points

Which of the following descriptions is not associated with symmetric encryption?

· Question 45

4 out of 4 points

A process that takes plaintext of any length and transforms it into a short code.

· Question 46

4 out of 4 points

When I enter a correct customer number, the data entry screen displays the customer name and address. This is an example of

· Question 47

4 out of 4 points

Data matching is an example of a(n)

· Question 48

4 out of 4 points

This determines if all required data items have been entered.

· Question 49

4 out of 4 points

A data entry input control in which the application software sums the first four digits of a customer number to calculate the value of the fifth digit and then compares the calculated number to the number typed in during data entry is an example of a

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4 out of 4 points

Forms design is an example of this type of control.

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dangerouscrusadefire-blog · 6 years

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""What is the pros and cons of 3rd party,fully comp and no insurance?""

What is the pros and cons of 3rd party,fully comp and no insurance?""

Cheapest insurance company?

I want the cheapest no fault insurance for my car, 1994 beretta""

The candidates are drum about affordable health insurance?

they go on and on about 15% do not have affordable health insurance 45 million well what about the other 85 million that do? I'm not saying the others don't rate insurance and it should be affordability to everyone. But get off the negative drum and onto the up beat of one. If they are talking about the elder and small kids that is one thing then just say that don't throw a bunch of numebrs out thinking all are going to vote for you just becasue you say this or that.

Why don't republicans want Americans to have access to affordable health insurance?

Why quotes from Insurance advisers and comparison sites are significantly different in price?

I've contacted two advisers regarding life insurance and critical illness cover. Both of them suggest difference insurers and their price is significantly different than the comparison sites. Do they get commission from insurers companies depending on their suggestions?

Insurance for 2001 celica?

considering everything else equal (age, experience, w/e), how is the price of insurance for a 2001 toyota celica compared to cars of the same price range? eg accord, sports cars, compact cars, midsize""

Which insurance company is cheapest for young drivers?

MY MOTHER HAS 4 YEARS NO CLAIM BONUS AND I JUST GOT MY LICIENCE AND LOOKING TO GET INSURED ON A CLIO 1.2 OR CORSA1.2 WHICH INSURANCE COMPANY IS THE CHEAPEST?? THANKYOU!

Young Drivers Car Insurance In London?

Hey there, i live in a area that gets me pretty high quotes for an 18 year old.. Well my dad's purchasing a car and i asked if he could insure me on it too and he agreed to this but i've gotta find a decent insurer first.. I mean i'm getting quotes such as 3,000 a year that's pretty high for a 01 plate corsa.. I was just asking for people with experience on maybe any ways i can reduce this price.. Maybe a really cheap insurer you know? or any help would be appreciated if you know the situation i'm in. Thanks!!""

Anybody got a guess for what it could cost to get insurance on a 95 mustang in ny?

Just tryin to see if anyone has a idea of the cost

Insurance with US license. Loophole or stupidity?

I am an 18 year old british citizen. I lived in the US for 6-7 years and got a license at the age of 16. I am now in the process of getting car insurance. and am wondering if this 'loophole' is technically legal. I can drive on my US license for up to 12 months, during that 12 months I can get a UK prov. license. take the driving lessons and do the theory/test to get my full UK license. while shopping around last night I noticed a website saying 'provisional insurance is cheap, but expect it to go up once you pass your test.' Now, I understand the reason why it's cheaper is due to the fact that you probably wouldn't be driving as much, and you need a 'known' driver with you in the car while you're driving. However, couldn't I be considered my own driver? If I have a provisional license would I not be eligable for provisional license insurance? is this legal? or am I just being a hopeful idiot?""

Car insurance questions (Still on parent's plan)?

I have a few questions... Is there a set age where I can no longer be on my mom's car insurance? Or is it completely up to her? For example can two adults (both in their 40's) be on the same insurance? I am 19. I currently live with my mom. If I were to move out, can I still be on her insurance? If I don't go to college, can I still be on her insurance? I heard you need to be a full time student to be on a parent's insurance? If I were to buy a car, would it have to be in her name?""

Car insurance for minors !?

So im 16 and have my permit. I have to take 3 behind the wheels with an instructor until i can take my license test. But when and if i get my license can i be on my dads insurance if i do not live with him. My mom will not pay anything for my insurance so if i want to get my license i have to be on insurance and the only insurance i can get is with my dad. So does anyone know if i can be on my dads insurance if i do not live with him? or must i be on my moms?

How much does an automatic 2004 Nissan 350z insurance cost in vancouver b.c?

If im 19 and living with my parents still will getting a motorcycle affect there insurance?

I want to get my own policy but my parents are worried that it will still raise there insurance because i live with them i just need to kno if this will make there insurance more expensive and an idea of how much insurance will cost im im getting a new honda cbr 250r

Car insuance??

what highers your insurance and what are some tips to lower it??? I am a 16 YEAR OLD GUY so its gunna b high because of that i have heard if u have a ~sports car ~coupe ~yellow car ~if ur a guy ~if ur a teen ~if u buy a high profile car ~if u drive more than 40 miles a day ~if u have a bad driving record all these things higher the cost of insurance.... anything else and any tips?

Cheap sr22 insurance?

I'm looking for a cheap sr22 insurance. Anyone can help me? Thanks

How much would be insurance on a toyta celica for a 17 year old in uk?

I'm planning to get this car when i get my licence i was just wondering how much it would cost me. I'm getting it with bodykit and custom paintjob and it will be my first car

Where can a person find affordable health insurance...?

...in Illinois if they are single, childless, and with low income?""

Where can i get the best deal on sr-22 insurance?

i live in pleasant hill iowa right off of des moines and i need to get the best quote on sr-22 does anyone a good insurance company?

Want to cancel my whole life insurance?

Back in July 09, I let my stepmother's boyfriend create a life insurance policy for me. He works as an agent for New York Life, and since I know nothing about insurance, I just let him take care of everything. For personal reasons, I want to cancel the insurance. I will get something else, probably term, very soon. I just still know nothing about insurance, so I have a few questions about my policy. I do have whole life insurance, so I should be able to get some money back, right? Currently, I have a $50k plan, and I pay just under $50 a month. I got this policy when I was 18, so the monthly cost seems a little high--especially since I have no dependents or debt. If I die tomorrow, I could still get a really nice funeral (not that I want one) and have it all payed in full from the money I have from my inheritance. Was I ripped off or is this pretty standard? Online, it says my Net Cash Value is $37.97. Is this the money I get back if I cancel? It seems low--it's only about 3.2% of the total amount I've paid. I was expecting some amount closer to 10%. Ideally, I'd like to cancel without talking to my agent. Is there any way I could do it through a general agent or online?""

Are there any mandatory insurances for employees?

I mean no matter in which industry the employee works. Is there any insurance, say health insurance or life insurance, that the employer must provide for his employees? Thank you!""

Is this normal for home insurance?

I have AAA-California home insurance and we had an incident yesterday involving a squirrel and our fire suppression sprinkler lines. AAA says they only cover the damage caused (carpets, sheetrock, moisture, etc.) by the squirrel eating through the lines, but will not cover the cost of repairing the lines. Is this standard for all home insurance, or do I just have a crappy policy?""

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How much do speeding tickets effect your insurance ?

I got 2 speeding tickets, my first and second one of my life and im only 17. How will these tickets effect my insurance ?""

Whats the cheapest car insurance?

Forcing to get car insurance?

Two years ago, my ex and I bought a car under her name. It was registered in her name, and the loan was in her name. The insurance was in mine. We split up, and now neither of us drives the car. She didn't have a license at the time of purchase, and she still doesn't, but I did. The dealer told us that we could get the loan in her name, and register it in mine, even though she didn't have a license. When we got the plates, it was registered in her name. The dealer said that was fine, and it was nothing to worry about. We found out that this is illegal to do in New Jersey. We tried to get the dealer to rectify the situation, but they wouldn't touch it. Now, the car doesn't have any insurance or a registration, and a representative from the bank says that they can force her to get car insurance, even though she doesn't have license. Is this legal? Can a bank force someone to get insurance, even if they aren't even legal to drive in NJ? Please help me with this.""

Is this a normal car insurance rate?

I got a car insurance quote today and said it would be $400 per month! Is that normal? I'm 18 so I get that it costs more for people who are younger, but do all young people pay $400?""

I wanna buy insurance for my car?

I wanna buy insurance for my car . In my postcode insurance is very expensive if i give a another postcode to insurance company car insurance is very cheap . Is this ok if i buy car insurance and give a another postcode to insurance company .....

What are three good life insurances in california?

i need specific details about these companies

CAR INSURANCE FOR A 16 YEAR OLD?

would it be more expensive for car insurance for a brand new car or a used car.

Car bump and getting insurance.?

I had a bump around a year and a half ago and there was very minimal damage and no injuries, the woman gave a different name to me than to the insurance and I think maybe she wasn't insured? If the case was closed and went nowhere but the insurance company knew would this be recorded on their system.""

What other types of insurance should I get?

So far I'm going to get family health insurance, life insurance, and Car insurance. I'm going to have kids. Anything else I should have? We rarely have natural disasters where I'm from.""

""Can I buy a car under my name, and put it under my parents insurance policy?""

Ive been looking into purchasing a new vehicle, Im 18 and fresh out of high school and my car is okay, but its just a money pit. I want to put the car under my name to get a better intrest rate, but i cant afford paying expensive insurance policy. So can i purchase the car in my name and put it under my parents insurance policy?""

Will having a turbo charged engine increase my car insurance?

I'm buying a Mini Cooper S which is turbo charged and I was wondering if it will make my insurance rates go up

Will a first time speeding ticket in Missouri effect my insurance and i have Statefarm insurance?

I am looking for federal court cases related to insurance claims?

Car insurance cost for a 17 year old?

I'm going to start driving next year and will probably be driving something like a p reg civic (1.4) does anyone have an average insurance price for a car around this size (1.0-1.6) and around this age (m-51 reg)

""Can some body tell much i have to for my car insurance, if i live in brooklyn and 18 with new license?""

hey, i am planning to bye a car by next month, but before i go buy it, i need know how i have pay for my insurance, i am 18 just got my license and live in brooklyn, can somebody what is the most could i have pay...""

Oregon car insurance?

Can I give my daughter my car registered in my name and she get car insurance for it?

Firebird 2003 owners. How much do you pay for car insurance on your Firebird?

Can anyone supply me with a link to get a FREE driving record report...without a hidden cost?

Needing to get insurance but need a report of driving record...every link I click on it ends up costing something....

What is the least expensive auto insurance company?

Currently have geico...

Does the American political system of democracy provide health insurance??

I'm doing a report and I don't quite understand how the american political system of demorcracy provides health insurance ? Help please?? Thank you!

Is car insurance cheaper for older vehicles?

Well i have a 2007 Nissan Altima and i pay $116.67/month, and i was wanting to by an older camper van to live in. Would my insurance be cheaper on the van?""

How can I get medical insurance?

I been diagnosed with Crohn's disease for a few years now so it's been very difficult trying to get any medical insurance. I was wondering how can I get it without any more problems?

Do you have to buy full coverage insurance?

If you are finance a car from a dealer? This would be in california

Best/cheapest car insurance for new 20-something year old New York driver?

20-something New York driver - I need car insurance. If I get insured here, it's bound to be THOUSANDS (probably around 5) :( Who do you suggest I go with? How's esurance?""

Can a named driver get covered for business insurance on the policy insurance company sayin no is this correct?

auto insurance quote deals

What does a saliva test took for when getting life insurance?

Which car insurance companies should I look into?

I'm looking for car insurance and was wondering which companies you would suggest I look into and get quotes from? Which company do you have and what do you like / not like about them? Thanks!!

Life Insurance?

I am about to meet with a Insurance Broker and I wanted to be aware so that I am not sold what he wants to sell me instead of what I need. Does anyone have any good tips or resources?

How much am I gointo pay for car insurance?

I am 17 turning 18 soon and when I graduate I plan on getting a 2011 Subaru WRX STI or a 2012 Mustang GT . I was just wondering how much I am going to be paying for insurance on either one. I will be 18 when I get it, I am a male and have a clean driving record. Please help, this will most likely be the deciding factor for which car I get. I would also like to know which car you would get. Thanks!!!""

Insurance rates on sporty cars ?

Would insurance be absolutly insane for a 16 yr old in a 91 toyota mr2 turbo or a 95 mitsubishi eclipse gst or a 95 mustang gt or a 91 toyota mr2 non turbo? Does anybody know about the difference in rates for these cars ir cars like acura integras. Thanks

Can someone give me advice on good health insurance that offers maternity coverage??

I am looking into individual health insurance because my hubby and I are trying to conceive and I don't have any. I know I need to have it BEFORE i become pregnant. I don't know a thing about insurance and can't seem to find any insurance companies that offer maternity coverage.......I work for a temp agency and have worked for them for a year and a half and their insurance is astronomical so I'm looking on my own. My hubby doesn't have insurance where he works as a mechanic so i can't get it through his insurance. Any advice would help!!!!

Will my car insurance go up even more now?

Two weeks ago I rear ended a Ford F150. There was very little damage done to their truck, but my mazda protoge was declared totaled. No ambulance was called and the people in the truck acted just fine. The driver was a lady who I thought was just obese but it turns out from the police report that she was 9 months pregnant. I was not arrested or anything at this scene but I did get a ticket for careless driving by failing to yield. I am a 25 year old male btw and I was on my mom's insurance driving her car. We called the insurance and found out that she was monitored and the baby was ok. She was due next week, but the insurance hasn't heard about the delivery or anything. The lady, however is claiming neck and back injuries. Will my insurance go up more because of the accident AND her claims or just the accident itself? I have to go to court in June just for the accident (it is mandatory here for every traffic violation). I need to know how much my insurance will go up to get a newcar""

Insurance on a '98 Mustang?

16yr old girl in Ohio, just wondering the cost before i try and sell the idea to my dad lol. Yellow w/ body kit. Help? :)""

On homeowners insurance .. What is the difference between Replacement cost and Acutal cash Value? what pays mo

What pays more and what is the least expensive?? please some one explain to me in detail.. Does my home need to be insured with the market value???

""How much does E&O insurance policy of 300,000 cost?""

I want to go into a business venture and part of my requuirements is to have a E&O policy worth at least $300,000. How much will that be a month?""

I was driving my firends car and had an accident. Whos insurance covers the wreck? My friends or me?

I was driving my friends car and wrecked it. My insurance says that insurance covers the vehicle not the driver. Is this the opinion of all insurance companies?

HELP! Insurance company trying to low ball estimate?

Back in April I was driving and a lady tried switching lanes and struck my vehicle. I immediately went to an auto body shop and got an estimate for the damage, they took photos and everything. I've been contacting her insurance and dealing with this for over two months... I had to send them the police report because the woman tried lying and said I hit her, so I had to prove she was at fault. They would never return my calls. Until I talked to the field adjuster. He then called me yesterday told me he got the estimate from the body shop which was one of their recommended shops, and was mailing me the check for the damage. However he failed to tell me the check he was sending was for $1000 less than the estimate. I don't agree with this, what do I do? I called and no one will call me back from the company Also, I own my car outright. It's a 2004 tiburon is excellent condition. The insurance company was giving me issues about me wanting the check sent to me. I plan on getting the damages repaired that are necessary but leaving what isn't and keeping the money that's left over. I'm not even making them get me a rental for the time I don't have the car! Please help The company is American family.""

First year car insurance for 17 year olds for a small car?

Has anyone recently passed there driving test and brought car insurance? If so how much did it cost and for what car? I don't want answers just saying thousands , I would like people who've recently got car insurance.""

What does 25 /50/25/ mean in auto insurance?

Im 16 and trying to get my license but my parents won't let me because of insurance costs

anyone have any ideas?? btw im not allowed to work

What kind of car insurance can i obtain?

I am 20 years old and i live in California. I have a driver's license but no car. I have heard that there is a type of insurance policy that can cover any car that I drive that is not of my own. Does anyone know which policy that is and from which agency is it from. Also if its an expensive one.

Where can i find good and cheap used car dealer insurance?

i am trying to open a used car lot and need insurance for it. where can i find cheap insurance i have looked and got a quote at one place but the price is to high 6500.00 per year, are there any other companies that will offer that but for cheaper? thanks""

Looking for a site for Affordable Individual Health Insurance?

Hello, I'm looking for affordable individual health insurance online web company.Can you suggest me where can I find cheap and good site for my insurance?I'll be very thankful.""

Where to get auto insurance after license suspension?

when license is reinstated where do I get auto insurance. Lost license due to breathalyzer refusal.

What is the cheapest van insurance for a 18 year old with no previous insurance with a full lience?

I have just passed my test and i have been looking for car insurances and i added my partner as a named driver?

I have been looking at car insurances and i added my partner as a named driver and she only have a provisional license and it has come out 600 pound cheaper, every thing is correct on the quote, does anyone know why this is.""

""Does age make a difference when getting health insurance thru employer, is the cost different. .?""

My mother is in her 60's she declined coverage thru her employer because she would pay $200 per pay check, gets paid biweekly. She said the rep from the insurance told her she would pay more than her younger coworkers because she is old and needs more health attention, visits medicine etc. Is that true?? Her company does the cleaning for a few hospitals, offices. I dont think its a big company maybe 300-500 employees. I work for a big company in sales we have 200 people in our building, the company is in every state in the u.s. with several offices in each state so we are thousands of people for the company. Our health insurance cost is the same regardless of age. We have 3 plans to choose from, but we all pay the same amount regardless of age and it cost anywhere from $15-25 per check. Could anyone give me some info on this matter thanks. We are in california if that matters. Thanks.""

How can I buy life insurance policy on people?

I have a friend at work that was telling me that here in Texas it is legal to buy a life insurance policy on anyone you want. He says when the person you have insurance on dies you get a lot of money. I was just wondering if anyone on here knows how this works? Do I need the persons permission or what information do I need from them? I was thinking of getting insurance on old people that live in a retirement home a block from where I live and get rich out of it. I know some of you will think I am sick but I wouldn't mind if someone had insurance on me when I am older. So how can I go about doing this and what information do I need on the person?

2013 mustang v6 insurance?

I'm 16 years old my dad took me to look at a 2013 mustang v6 the other day I just want to know the avg. rates for it I live in Katy Texas 16 years old Male Don't have a driving record but I had my permit for 10 months I think I will be under their insurance Don't say I should just get a **** car and wait for a mustang.

Who's Car Insurance Would Handle the Accident?

My sister has been driving my mother's car (Loan, registration, insurance in my mother's name) Occasionally she allows her boyfriend to drive the car, although my mother has stated on numerous occasions that she does not want him driving that car. He was in an accident on Friday and claims the car is totaled. He claims that he called the police and filed a report, it can be picked up on Tuesday. He also claims that his insurance is covering the accident. My problem is, the car is insured in my mother's name, so he is not allowed to do this, correct? Also, even though my mother was not involved in the accident, can she still call the police and get a copy of the report? After all, the car is in her name. Please enlighten me, I'm trying to figure this all out.""

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https://www.linkedin.com/pulse/should-i-get-owners-title-insurance-daniel-cross/"

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bwinchatcasinobwin-blog · 7 years

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bwindeutschlandbwineinlogge-blog · 7 years

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heeyitskayee · 7 years

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TALC: Allergen or Not An Allergen?

Not An Allergen.Talc:

While there is some buzz around talc, talc is not on published allergen lists.

Furthermore, talc is generally recognized as safe for cosmetics. In its pure form, talc is a natural mineral, composed mainly of magnesium, silicon and oxygen. Therefore, it is not talc itself but the possible impurities, like asbestos, that are of concern. Asbestiform amphibole fibers, in particular, are carcinogenic and are consequently a valid cause for concern. As a result, talc is graded and falls in two categories: Industrial-grade and Pharmaceutical/Food/Cosmetic-grade. To be considered “cosmetic-grade,” talc must not contain contaminants. Due to these regulations, most cosmetics that use talc choose purer versions and check specifically for impurities and cosmetic-grade classification.

In addition, there is no clinical evidence of talc being a harmful ingredient, including having a causal link to ovarian cancer. Because of this and its regulated classification, talc is allowed for use as an ingredient in cosmetic products in many countries, including several in Asia, Europe and the Americas.

Oe n a side note: do be mindful about using powders with children and infants because the airborne particles can contribute to asthma and other respiratory difficulties — hence why some countries’ cosmetic regulations require that talcum powders for children be labelled with a warning that states “Keep powder away from child’s nose and mouth to avoid inhalation.”

Finally, if you have a history of sensitive skin, don’t guess: random trial and error can cause more damage. Ask your dermatologist about a patch test.

References:

Regularly published reports on the most common allergens by the North American Contact Dermatitis Group and European Surveillance System on Contact Allergies (based on over 28,000 patch test results, combined), plus other studies. Remember, we are all individuals — just because an ingredient is not on the most common allergen lists does not mean you cannot be sensitive to it, or that it will not become an allergen. These references, being based on so many patch test results, are a good basis but it is always best to get a patch test yourself.

1. Warshaw, E.M., Maibach, H.I., Taylor, J.S., et al. North American contact dermatitis group patch test results: 2011-2012. Dermatitis. 2015; 26: 49-59

2. W Uter et al. The European Baseline Series in 10 European Countries, 2005/2006–Results of the European Surveillance System on Contact Allergies (ESSCA). Contact Dermatitis 61 (1), 31-38.7 2009

3. Wetter, DA et al. Results of patch testing to personal care product allergens in a standard series and a supplemental cosmetic series: An analysis of 945 patients from the Mayo Clinic Contact Dermatitis Group, 2000-2007. J Am Acad Dermatol. 2010 Nov;63(5):789-98.

4. Verallo-Rowell VM. The validated hypoallergenic cosmetics rating system: its 30-year evolution and effect on the prevalence of cosmetic reactions. Dermatitis 2011 Apr; 22(2):80-97

5. Ruby Pawankar et al. World Health Organization. White Book on Allergy 2011-2012 Executive Summary.

6. Misery L et al. Sensitive skin in the American population: prevalence, clinical data, and role of the dermatologist. Int J Dermatol. 2011 Aug;50(8):961-7.

7. Warshaw EM1, Maibach HI, Taylor JS, Sasseville D, DeKoven JG, Zirwas MJ, Fransway AF, Mathias CG, Zug KA, DeLeo VA, Fowler JF Jr, Marks JG, Pratt MD, Storrs FJ, Belsito DV. North American contact dermatitis group patch test results: 2011-2012.Dermatitis. 2015 Jan-Feb;26(1):49-59.

8. Warshaw, E et al. Allergic patch test reactions associated with cosmetics: Retrospective analysis of cross-sectional data from the North American Contact Dermatitis Group, 2001-2004. J AmAcadDermatol 2009;60:23-38.

9. Foliaki S et al. Antibiotic use in infancy and symptoms of asthma, rhinoconjunctivitis, and eczema in children 6 and 7 years old: International Study of Asthma and Allergies in Childhood Phase III. J Allergy Clin Immunol. 2009 Nov;124(5):982-9.

10. Kei EF et al. Role of the gut microbiota in defining human health. Expert Rev Anti Infect Ther. 2010 Apr; 8(4): 435–454.

11. Thavagnanam S et al. A meta-analysis of the association between Caesarean section and childhood asthma. Clin Exp Allergy. 2008;38(4):629–633.

12. Marks JG, Belsito DV, DeLeo VA, et al. North American Contact Dermatitis Group patch-test results, 1998 to 2000. Am J Contact Dermat. 2003;14(2):59-62.

13. Warshaw EM, Belsito DV, Taylor JS, et al. North American Contact Dermatitis Group patch test results: 2009 to 2010. Dermatitis. 2013;24(2):50-99.

For more:

On the prevalence of skin allergies, see Skin Allergies Are More Common Than Ever and One In Four Is Allergic to Common Skin Care And Cosmetic Ingredients.

To learn more about the VH-Rating System and hypoallergenicity, click here.

Original Post: http://inskin.vmvhypoallergenics.com/talc-allergen-not-allergen/

#skin #skincare #allergenfree #allergyfriendly #hypoallergenic

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laynebaril1blog-blog · 6 years

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