Wikinews investigates: Advertisements disguised as news articles trick unknowing users out of money, credit card information

 Notice — May 19, 2010 This article has been judged, by consensus of the Wikinews community, not to meet Wikinews standards of style and neutrality. Please see the relevant discussion for details. 

Wednesday, May 19, 2010

The Internet has already brought great things to the world, but has also brought spam, phishing, scamming, etc. We all have seen them across the Internet. They promise money, weight loss, or other things a person may strive for, but they usually amount to only a lighter pocket. Online advertising has become something that the increasingly Internet-reliant society has become used to, as well as more aware of. As this is true, online ads have become more intricate and deceptive in recent years.

However, a certain type of advertisement has arisen recently, and has become more deceptive than any other Internet ad, and has tricked many users into credit card charges. These sites claim to be news websites that preach a “miracle product”, and they offer a free trial, and then charge the user’s credit card a large amount of money without informing them after the trial ends. These sites appear to be operating under one venture and have caught ad pages of high-traffic websites by storm. In this report, Wikinews’ Tjc6 investigates news advertisement sites.

These Internet ads work in different ways:

Hypothetically speaking, a reader is browsing the web, and then happens to come across something that they believe is too good to be true. A link on one of these high-traffic pages promises white teeth, weight loss, or huge profits from working at home part-time. Out of curiosity, they click on the link.

This is the way that people are attracted to these fake news sites on the internet. The domain owners draw in customers by purchasing advertising on some of the World Wide Web’s most visited pages. Curious users click and are led to what they believe is a news article. From anti-aging to shedding weight, these “articles” from non-existant newspapers and television stations depict a skeptical news reporter trying a product because they were instructed to by a superior.

As the user reads on, they find that the “reporter” miraculously achieves significant weight loss, teeth whitening, or other general health and beauty improvement. The reporter states that the reader can get the same results as they did by using a “free trial” of the product.

Next, the user looks to the bottom of the page, where there seems to be a set of user comments, all of them praising the product or products that are advertised — this is where we first see something suspicious. Across several of these false articles, the comments appear to show the exact same text, sometimes with even the same usernames as other sites.

There is obviously some kind of correlation. Although this appears to be true, most users who purchase these products do not look at multiple versions of these similar pages of what appears to be a fast-growing network of interconnected fake news sites.

Once customers have convinced themselves into buying the product, they are led to a product (or products) website which promises a free trial for a very low price. What they do not know about this, however, is that they are giving their credit card data to a company that will charge it automatically after the trial ends. In about 14 days, the user receives a charge on their credit card for an excessive amount of money, usually from about $80 to $100 (USD). All attempts to contact these companies and cancel their shipments usually prove to be futile.

What these sites have is a large amount of legal copy located at the bottom of each site, stating their right to charge the user. This site, a fake news article claiming to offer teeth-whitening benefits, has several paragraphs of fine print, including this: “…Upon signing up for the 10 day trial membership you will be charged up to $4.97 depending on various shipping and initial offer promotions at that time but not more than $4.97 upon signing. If not cancelled, you will be charged $89.97 upon completion of the 10 day trial period. Monthly thereafter or 30 days from the original order date, the charge will reoccur monthly at a total of $89.97 until cancelled…,” the site says.

Practices like this have alerted the Better Business Bureau, an American organization that studies and reports on the reliability and practices of US businesses. In a press release, a spokesman from the BBB spoke out against sites like this. “Many businesses across the country are using the same selling model for their products: They lure customers in with claimed celebrity endorsements and free trial offers, and then lock them in by making it extremely difficult to cancel the automatic delivery of more products every month…,” said the report that denounced the websites.

When a user looks at several of these sites, they notice that all of them have the same exact structure. Because of this, Wikinews decided to look into where some of the domains were owned, and if they were all in fact part of one company.

However, the results that Wikinews found were ones that were not expected. Out of the three random websites that were found in Internet ads, all using similar designs and methods to attract the customers, came from three different locations in three countries and two separate continents. The first came from Scottsdale, in the United States, while the next two came from Vancouver and Hamburg. There is no location correlation, but surely, there has to be something that connected these sites together. We had to look even further to try to find a connection.

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There is some correlation within the product’s contact information. A large amount of the teeth-whitening products analyzed actually shared the same phone number, which lead to a distribution center located in St. Petersburg, Florida, and several other similar distribution centers located across the Southern United States. But, that explains only one of the categories of products that these websites cover, teeth whitening.

What about the other products? The other products such as weight loss and work-at-home kits all trace back to similar distribution centers in similar places. So, what do we make of all of this?

There is obviously some company that promotes these products through the fake news advertisements, but that company is nowhere to be found on the websites. All contact information is given on the product pages, and websites are copyrighted under the name of the domain, not a company. Whatever company has been the setup for these pages has been very good at hiding themselves from the Internet, as there is no information across the web about that mysterious large advertiser.

As a result of customers buying the products and having unauthorized charges on their credit cards, a large volume of complaints are currently present on awareness sites, complaint sites, and even the Better Business Bureau. Several customers point out that they were not informed of the steep charges and the company made it extremely difficult to cancel their subscription, usually resulting in the loss of several hundred dollars.

  • The trial offer was to pay for $3.95 for the cost of the shipping for one bottle. I noticed shortly after placing the order I had a charge on my credit card for $149.95. Unknown to myself the company charges for a membership if you don’t cancel within 14 days, I cancelled within 18 days…When I called the customer service number they told me the decision has been made and my refund request was denied. When I questioned the person on the other line about what I was getting for my $149.95 she told me I was not getting anything because I cancelled the membership.
?“Tamara”, in a post to the Ripoff Report
  • This is a “free sample” scam: Pay only postage and handling and get a free sample of a tooth whitening system, they say. I looked for the “catch,” something that would indicate that there’d be hidden or recurring charges, but didn’t see anything, and ordered. Sure enough, a couple of weeks later, I see a charge for $88.97 on my bank statement…When I called, the guy answering the phone had obviously answered the same angry question many, many times: “Why has your company charged $88.97 to my card?” “Because you didn’t cancel your subscription in time,” he said tiredly.
?“Elenor”, in a post to the Ripoff Report

One notable lawsuit has occurred as a result of these articles. Some of the articles about work at home kits specifically advertise things like “work for Google”, or “job openings at Google”. However, Google asserts these claims as false and has taken the case to court, as it is a copyright violation. “Thousands of people have been tricked into sending payment information and being charged hidden fees by questionable operations,” said Google in a statement.

The BBB has received over 3,000 complaints about products such as the ones that Google took offense to. The lawsuit has yet to begin in court, and no date has been set.

Nuclear plant sealed off after traces of explosives found on bag

Wednesday, May 21, 2008

At least two men in Sweden were arrested after security officials at the Oskarshamn Nuclear Power Plant discovered traces of an explosive material on a plastic bag. Oskarshamnsverkets Kraftgrupp OKG operates the plant, which is one of three nuclear power plants in Sweden.

Reports say that on the outside of a bag was Acetone peroxide, or TATP, primarily used as a high yield explosive, but is also an organic peroxide used in making chemicals for cleaning.

The unidentified men in their 40’s to 50’s, who were contractors and welders hired for doing work at the plant, were stopped as they entered the plant. Authorities were called to the scene along with the bomb squad, who sealed off parts of the plant when they detected the explosive material on a bag’s handle. Security detected the material in what is described by CNN as a “routine” security check. Police believe it was on one of the man’s hands when it rubbed off onto the bag, but no bomb was found after an extensive search. Both men have been charged with attempted sabotage and are still undergoing interrogation. Both face sentences of up to two years in prison.

Plant officials state that the plant has never received a threat “not in the past, not now, and we have no threat for the future,” said President of OKG, Lars Thuring. “The only thing that we have found is this trace of explosives in the bag.”

TATP is “very unstable, very sensitive to both friction and shocks,” said Swedish Defense Research Agency expert, Svante Karlsson. A small amount could cause serious damage to someone handling the material which is described as ‘Mother of Satan’. Would-be ‘shoe bomber’ Richard Reid used the substance in an attempt to blow up American Airlines flight 63 from Paris, France to Miami, Florida in 2001. The same substance was also used in the July 2005 bombings in London, England.

The plant’s reactors, where the men were scheduled to work, were turned off on May 11 for routine maintenance. The rest of the plant’s operations were not interrupted.

Solar Powered Cars Offer Great Value To Consumers

Submitted by: Daniel Millions

Electric cars originate from an idea that is almost 200 years old and whose time has come again. Ever since the power of the electrical current was discovered in the early 18th century, scientists and mechanical designers have tried to harness the power to cause reliable movement in transport vehicles.

Although, electric cars were once designed by car manufacturers in the late 18th and early 19th centuries, the gas powered engine became the automobile that was manufactured by all car manufacturers just a few decades later. These early vehicles were called electric carriages and horseless carriages. The first electric carriage was designed by the Scotsman Robert Anderson during the 1830s. By 1899, an electric racing car was able to reach 68 miles per hour, which created a new world record for land speed.

Electric cars continued to have success with consumers until the 1920s. At that time, improvements to the road systems, manufacturing processes and lower oil prices led manufacturers to focus on the internal combustion gas engine that could travel for longer distances without the need to crank the battery for more power. Better manufacturing processes allowed manufacturers to churn out combustion engines more efficiently and with less cost to the consumer.

[youtube]http://www.youtube.com/watch?v=Mz2RIhVu3j0[/youtube]

Car designers continued to quietly work on and improve the design of the electric car even though the electric car virtually disappeared from the public eye. The electric car underwent design changes that were meant to improve its performance in both speed and give the car long lasting power. Nowadays with a greater need to find sustainable ways of transportation that cause less harm to the environment, electric cars have gained a greater acceptance again among the public and manufacturers.

The electric car that offers the most sustainability is the solar powered electric car. Solar powered electric cars do not release any harmful emissions to the environment. Solar powered electric cars are powered by solar panels or high efficiency fuel cells.

It is possible for the car enthusiast with mechanical skills to design and build their own solar powered electric car from a kit. These kits offer different designs and assembly plans that can be used on roadways that have speed limits of less than 35 miles per hour, recreational areas and some gated communities. If the car owner does not have the skill necessary to build the car, the car owner can pay for such building services from an professional mechanic.

There are battery kits that can be used by consumers to turn their lightweight small car into a solar powered electric car. Such kits can be safely installed by car mechanics who have been familiarized with installing such kits. The change from a fuel powered car to an electric car involves switching the existing car battery with a lithium charged battery that is solar powered and rechargeable.

Solar powered electric cars offer great benefits to the consumer in terms of cost and less environmental damage. Whether the car is built or converted to a solar powered electric car, it will satisfy the owner’s desire for a reliably powered car. As electric cars gain popularity again, the most green car is the solar powered electric car.

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Wave kills two on Mediterranean cruise

Thursday, March 4, 2010

Two passengers on a Mediterranean cruise ship were killed by a rogue wave on Wednesday. The incident occurred off the north-east coast of Spain. The ship, named the Louis Majesty, had left from Barcelona, Spain and was headed for Genoa, Italy.

The giant wave broke the windows on deck five of the ship, resulting in two fatalities as well as another fourteen injuries. The two victims were German and Italian citizens. Following the incident, the ship returned to Barcelona. The ship, carrying over 1300 passengers, is expected to continue its journey after the injured are moved from the ship for treatment.

According to French officials, there had been no previous trouble with the ship. The waves were believed to have been 26 feet (8 meters) high. The ship is 660 feet (200 meters) long, and had 732 cabins onboard.

Three killed amongst Birmingham, England riots

Friday, August 12, 2011

A car fatally crashed into three individuals in the British city of Birmingham, England. The three men, aged 31, 30, and 21, died during a second consecutive night of violent events in Birmingham.

The incident occurred at approximately 0100 BST (0000 UTC) Wednesday morning in the Birmingham inner-city region of Winson Green. The men were attempting to protect property from nearby riots. Witness reports say that the vehicle contained as many as three passengers and drove at a speed of fifty miles per hour without stopping after the crash.

Police have since recovered a vehicle and arrested a 32-year-old male in association with the incident, on a charge of murder. According to Chief Constable Chris Sims, the details of the incident West Midlands Police have would indicate that “the car was deliberately driven”.

Tariq Jahan, the father of one of those killed, said his son, 21-year-old Haroon Jahan, was attempting to protect the area from nearby violence and unrest. Jahan said he had attempted to perform CPR at the scene of the incident. Jahan said his son was “a very good lad, a good man starting at the beginning of his life and had his whole life ahead of him. I’ve got no words to describe why he was taken and why this has happened and what’s happening to the whole of England.” Jahan said violent acts like this which killed innocent bystanders made “no sense”.

[There is] simply no excuse whatsoever for the violence, looting and destruction

A statement released from West Midlands Police says that “detectives are treating [this incident] as murder. Three men were taken to hospital where two later died from their injuries. A third man was in a critical condition but confirmed dead at around 6:30AM. West Midlands Police have launched a murder inquiry, arrested one man in connection with the incident and recovered a vehicle nearby which will be examined by forensics experts,” the force stated. Police have requested that individuals contact them if they have any information about the incident. About 200 people from the Asian community have gathered at the hospital where the victims were transported after the crash. Two of the victims were known to be brothers. All three of them were reported to be Pakistani Muslims.

The West Midlands has seen other instances of violent behavior. Thefts have taken place in the city centre of Birmingham, West Bromwich and in Wolverhampton. The charges being brought against suspects on remand for court appearances include public disorder offences, such as violent disorder and aggravated burglary. Six police officers have experienced minor injuries as a result of the violence.

According to police, a scrapyard fire which occurred in Birmingham is unrelated to recent violence. Two ambulances were attacked in two separate incidents with objects being thrown at the vehicles. Ambulance staff were left uninjured in both cases. Ambulances have appeared on thirty-five occasions in West Bromwich, Wolverhampton and various parts of Birmingham. Thirty-one individuals were given ambulance staff treatment, with nineteen receiving hospital treatment, albeit for practically minor assaults in most cases.

In Wolverhampton and West Bromwich, there have been reports of roads and streets being closed. Wolverhampton and Birmingham have experienced significant travel disruption, with buses not entering city centres last night. One vehicle in Birmingham and two in West Bromwich have been set alight amongst the violence. Various businesses have also been targeted, such as M&S and a high fidelity shop in Birmingham. A jewelry business in Wolverhampton has been robbed of ornaments, watches and money.

Yesterday, British Deputy Prime Minister Nick Clegg condemned the violent actions of individuals, claiming there was “simply no excuse whatsoever for the violence, looting and destruction”. Below is a picture gallery of the damage caused by public disorder in Birmingham Tuesday night:

  • 1
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Various buildings in Birmingham have been damaged by rioting, including this hairdressing shop. Image: Clare Lovell.

This ATM has been left destroyed by rioting. Image: Clare Lovell.

A window of this mobile phone store has been badly damaged by violence. Image: Clare Lovell.

Earthquake-damaged Fukushima nuclear power plant triggers evacuation

Friday, March 11, 2011

File:Fukushima-1.JPG

Japan’s government has declared its first ever “nuclear emergency” after pressure rises in the No. 1 reactor at the Fukushima Daiichi power plant, combined with a minor radiation leak, caused a 10 km radius around the plant to be evacuated. An attempt to relieve the pressure inside the containment vessels of the plant has been delayed.

The Tokyo Electric Power Company’s 40-year old nuclear facility, 270 km NE of Tokyo, reported mechanical difficulties with its cooling system, although the automated shutdown systems worked correctly. With the core reaction shut down the plant is no longer actively generating heat, but the fuel rods continue to generate excess heat and radiation and need constant cooling.

The cooling system runs a constant flow of water to take the heat away from the submerged fuel rods, but the pumping system requires electricity to operate even after the plant is no longer producing electricity itself—generally from back-up diesel or natural gas generators.

Stanford physicists print smallest-ever letters ‘SU’ at subatomic level of 1.5 nanometres tall

Wednesday, February 4, 2009

A new historic physics record has been set by scientists for exceedingly small writing, opening a new door to computing‘s future. Stanford University physicists have claimed to have written the letters “SU” at sub-atomic size.

Graduate students Christopher Moon, Laila Mattos, Brian Foster and Gabriel Zeltzer, under the direction of assistant professor of physics Hari Manoharan, have produced the world’s smallest lettering, which is approximately 1.5 nanometres tall, using a molecular projector, called Scanning Tunneling Microscope (STM) to push individual carbon monoxide molecules on a copper or silver sheet surface, based on interference of electron energy states.

A nanometre (Greek: ?????, nanos, dwarf; ?????, metr?, count) is a unit of length in the metric system, equal to one billionth of a metre (i.e., 10-9 m or one millionth of a millimetre), and also equals ten Ångström, an internationally recognized non-SI unit of length. It is often associated with the field of nanotechnology.

“We miniaturised their size so drastically that we ended up with the smallest writing in history,” said Manoharan. “S” and “U,” the two letters in honor of their employer have been reduced so tiny in nanoimprint that if used to print out 32 volumes of an Encyclopedia, 2,000 times, the contents would easily fit on a pinhead.

In the world of downsizing, nanoscribes Manoharan and Moon have proven that information, if reduced in size smaller than an atom, can be stored in more compact form than previously thought. In computing jargon, small sizing results to greater speed and better computer data storage.

“Writing really small has a long history. We wondered: What are the limits? How far can you go? Because materials are made of atoms, it was always believed that if you continue scaling down, you’d end up at that fundamental limit. You’d hit a wall,” said Manoharan.

In writing the letters, the Stanford team utilized an electron‘s unique feature of “pinball table for electrons” — its ability to bounce between different quantum states. In the vibration-proof basement lab of Stanford’s Varian Physics Building, the physicists used a Scanning tunneling microscope in encoding the “S” and “U” within the patterns formed by the electron’s activity, called wave function, arranging carbon monoxide molecules in a very specific pattern on a copper or silver sheet surface.

“Imagine [the copper as] a very shallow pool of water into which we put some rocks [the carbon monoxide molecules]. The water waves scatter and interfere off the rocks, making well defined standing wave patterns,” Manoharan noted. If the “rocks” are placed just right, then the shapes of the waves will form any letters in the alphabet, the researchers said. They used the quantum properties of electrons, rather than photons, as their source of illumination.

According to the study, the atoms were ordered in a circular fashion, with a hole in the middle. A flow of electrons was thereafter fired at the copper support, which resulted into a ripple effect in between the existing atoms. These were pushed aside, and a holographic projection of the letters “SU” became visible in the space between them. “What we did is show that the atom is not the limit — that you can go below that,” Manoharan said.

“It’s difficult to properly express the size of their stacked S and U, but the equivalent would be 0.3 nanometres. This is sufficiently small that you could copy out the Encyclopaedia Britannica on the head of a pin not just once, but thousands of times over,” Manoharan and his nanohologram collaborator Christopher Moon explained.

The team has also shown the salient features of the holographic principle, a property of quantum gravity theories which resolves the black hole information paradox within string theory. They stacked “S” and the “U” – two layers, or pages, of information — within the hologram.

The team stressed their discovery was concentrating electrons in space, in essence, a wire, hoping such a structure could be used to wire together a super-fast quantum computer in the future. In essence, “these electron patterns can act as holograms, that pack information into subatomic spaces, which could one day lead to unlimited information storage,” the study states.

The “Conclusion” of the Stanford article goes as follows:

According to theory, a quantum state can encode any amount of information (at zero temperature), requiring only sufficiently high bandwidth and time in which to read it out. In practice, only recently has progress been made towards encoding several bits into the shapes of bosonic single-photon wave functions, which has applications in quantum key distribution. We have experimentally demonstrated that 35 bits can be permanently encoded into a time-independent fermionic state, and that two such states can be simultaneously prepared in the same area of space. We have simulated hundreds of stacked pairs of random 7 times 5-pixel arrays as well as various ideas for pathological bit patterns, and in every case the information was theoretically encodable. In all experimental attempts, extending down to the subatomic regime, the encoding was successful and the data were retrieved at 100% fidelity. We believe the limitations on bit size are approxlambda/4, but surprisingly the information density can be significantly boosted by using higher-energy electrons and stacking multiple pages holographically. Determining the full theoretical and practical limits of this technique—the trade-offs between information content (the number of pages and bits per page), contrast (the number of measurements required per bit to overcome noise), and the number of atoms in the hologram—will involve further work.Quantum holographic encoding in a two-dimensional electron gas, Christopher R. Moon, Laila S. Mattos, Brian K. Foster, Gabriel Zeltzer & Hari C. Manoharan

The team is not the first to design or print small letters, as attempts have been made since as early as 1960. In December 1959, Nobel Prize-winning physicist Richard Feynman, who delivered his now-legendary lecture entitled “There’s Plenty of Room at the Bottom,” promised new opportunities for those who “thought small.”

Feynman was an American physicist known for the path integral formulation of quantum mechanics, the theory of quantum electrodynamics and the physics of the superfluidity of supercooled liquid helium, as well as work in particle physics (he proposed the parton model).

Feynman offered two challenges at the annual meeting of the American Physical Society, held that year in Caltech, offering a $1000 prize to the first person to solve each of them. Both challenges involved nanotechnology, and the first prize was won by William McLellan, who solved the first. The first problem required someone to build a working electric motor that would fit inside a cube 1/64 inches on each side. McLellan achieved this feat by November 1960 with his 250-microgram 2000-rpm motor consisting of 13 separate parts.

In 1985, the prize for the second challenge was claimed by Stanford Tom Newman, who, working with electrical engineering professor Fabian Pease, used electron lithography. He wrote or engraved the first page of Charles Dickens’ A Tale of Two Cities, at the required scale, on the head of a pin, with a beam of electrons. The main problem he had before he could claim the prize was finding the text after he had written it; the head of the pin was a huge empty space compared with the text inscribed on it. Such small print could only be read with an electron microscope.

In 1989, however, Stanford lost its record, when Donald Eigler and Erhard Schweizer, scientists at IBM’s Almaden Research Center in San Jose were the first to position or manipulate 35 individual atoms of xenon one at a time to form the letters I, B and M using a STM. The atoms were pushed on the surface of the nickel to create letters 5nm tall.

In 1991, Japanese researchers managed to chisel 1.5 nm-tall characters onto a molybdenum disulphide crystal, using the same STM method. Hitachi, at that time, set the record for the smallest microscopic calligraphy ever designed. The Stanford effort failed to surpass the feat, but it, however, introduced a novel technique. Having equaled Hitachi’s record, the Stanford team went a step further. They used a holographic variation on the IBM technique, for instead of fixing the letters onto a support, the new method created them holographically.

In the scientific breakthrough, the Stanford team has now claimed they have written the smallest letters ever – assembled from subatomic-sized bits as small as 0.3 nanometers, or roughly one third of a billionth of a meter. The new super-mini letters created are 40 times smaller than the original effort and more than four times smaller than the IBM initials, states the paper Quantum holographic encoding in a two-dimensional electron gas, published online in the journal Nature Nanotechnology. The new sub-atomic size letters are around a third of the size of the atomic ones created by Eigler and Schweizer at IBM.

A subatomic particle is an elementary or composite particle smaller than an atom. Particle physics and nuclear physics are concerned with the study of these particles, their interactions, and non-atomic matter. Subatomic particles include the atomic constituents electrons, protons, and neutrons. Protons and neutrons are composite particles, consisting of quarks.

“Everyone can look around and see the growing amount of information we deal with on a daily basis. All that knowledge is out there. For society to move forward, we need a better way to process it, and store it more densely,” Manoharan said. “Although these projections are stable — they’ll last as long as none of the carbon dioxide molecules move — this technique is unlikely to revolutionize storage, as it’s currently a bit too challenging to determine and create the appropriate pattern of molecules to create a desired hologram,” the authors cautioned. Nevertheless, they suggest that “the practical limits of both the technique and the data density it enables merit further research.”

In 2000, it was Hari Manoharan, Christopher Lutz and Donald Eigler who first experimentally observed quantum mirage at the IBM Almaden Research Center in San Jose, California. In physics, a quantum mirage is a peculiar result in quantum chaos. Their study in a paper published in Nature, states they demonstrated that the Kondo resonance signature of a magnetic adatom located at one focus of an elliptically shaped quantum corral could be projected to, and made large at the other focus of the corral.

Category:Jeff Sessions

This is the category for Jeff Sessions, a US politician and lawyer.

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  • 5 March 2017: U.S. Attorney General Jeff Sessions bows out of Russia investigation over contact with ambassador
  • 23 August 2016: On the campaign trail in the USA, July 2016
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How To Make Sure Your Home Isn\’T Under Insured

How to Make Sure Your Home Isn\’t Under-Insured

by

Laura Lyons

Most homeowners out there actually have home insurance. But how much insurance is enough? Ensuring enough coverage is one of the most confusing things homeowners face. If something really terrible happens, will you have enough coverage to totally rebuild from the ground up? It s not hard to think about the worst case scenario but it is better to be prepared than sorry. Here s where making informed decisions regarding your home insurance policy comes in. It is a very important process that should not be overlooked. Read on to find out how you can make sure your home is not under insured.

When it comes to insuring your home, many people and nearly half of all homeowners believe that the insured value of their homes reflects a market value. However, they are two different and separate things that don t really have an effect on one another. When it comes to buying insurance for your home, you have to look specifically at the insured value, which is the cost of rebuilding the home in its current location with comparable construction materials from the ground up. Meaning, you have to take into account that you have totally lost that home and nothing is salvageable. The cost of building materials such as steel and concrete all have gone up these couple of years, due to high production costs.

[youtube]http://www.youtube.com/watch?v=JBmK4HCBjHI[/youtube]

People don t realize that market value vs. replacement costs. A couple in New Mexico made this mistake when their home was way under-insured. For one, he had coverage for only $300,000 but the estimated construction cost was actually at $500,500. In most other situations, the insurance company would do their best to help, but in no way can about 200,000 dollars worth of home construction be made up. In the end, the re-construction of the home did not have the quality of the original home. Downgrading kitchen appliances, roof quality, and other building alternatives had to be done.

So, it s smart to thoroughly review your insurance coverage each year before your insurance policy automatically renews. Most people end up overlooking this. It is your responsibility to add highly valued items to your list of insured items in your home. At the bare minimum, you should at least know what you have insured, and then go through everything to make sure you don t want to add or edit anything.

The four most important elements and factors that will help you decide how much coverage to get are: The cost to rebuild the structure in its entirety, the cost to replace the contents (possessions, appliances, and belongings), additional living expenses if you need a place to stay during repairs or rebuilding processes, and finally, your liability to others who might get injured on your property (workers, builders, etc). Don t be cheap about coverage because you may end up spending a lot more money in the long term should something happen to your home.

Keep an up to date home inventory list to show the

home insurance company

. Although there may be higher rates for home insurance this year, you can always

compare home insurance quotes

to pick the most comprehensive policy for you and your needs.

Laura Lyons

Article Source:

ArticleRich.com

Egyptian treasures found in ancient tomb

Friday, March 13, 2009

A team of archaeologists excavating an Ancient Egyptian tomb have discovered golden jewelry in a recently-discovered lower chamber at the Valley of the Kings burial site in Luxor, Egypt.

Two golden rings and five golden earrings were found in the tomb of Djehuty, an 18th-dynasty official of Queen Hatshepsut, and were probably the property of Djehuty or his family.

The discovery was announced by Farouk Hosni, Egypt’s current Minister of Culture.

Djehuty was overseer of the treasury and overseer of works for the Queen. Hatshepsut reigned approximately 1479–1458 BCE. Djehuty was responsible for managing the huge amounts of precious goods brought in from Egypt’s military expedition to Punt in the Horn of Africa and the vast building projects of Hatshepsut which have made the female pharaoh one of the most-remembered of any from ancient Egypt.

Djehuty died after Hatshepsut did, sometime during the reign of Thutmosis III. Both Hatshepsut’s and Thutmosis’s names are recorded on the tomb. In a fashion typical of ancient Egyptian rivalries, Hatshepsut’s name was partly obscured on the monument over the tomb sometime after the queen’s death.

The team, led by José Manuel Galán of the National Research Center (Consejo Superior de Investigaciones Científicas, CSIC), in Madrid, Spain, had been excavating the tomb, designated TT11 and located in the necropolis of Dra’ Abu el-Naga’, since 2002. While much of Djehuty’s funerary equipment was lost to fire in antiquity, the lower chamber of his tomb was concealed at the end of a three-meter shaft and discovered at the end of 2008.

A superficial description of the tomb itself was recorded almost two hundred years ago by 19th-century French Egyptologist Jean-François Champollion, rubble blocking the entrance hindered excavation until the 21st century. In that time, emphasis in Egyptology has changed from the cataloging of treasures to the investigation of ancient culture, life and religion.

Since excavation began, Djehuty’s tomb has yielded a number of surprises. It was discovered that the tomb was re-used repeatedly up to and during the Greco-Roman period. There is an unusual face-on depiction of pharaoh Thutmosis III hunting ducks, and the mummy of a young, bejewelled, as-yet unidentified woman.

In 2007, 44 preserved bunches of flowers thought to be from Djehuty’s funeral were found in the site. In their 8th season of excavation, which ended on February 22, 2009, the team also found considerable evidence that below Djehuty’s tomb is a network of burial sites from the 11th dynasty, four thousand years old.

The lower chamber also displays passages from the Egyptian funerary text the Book of the Dead on its walls and a colorful mural of the goddess Nut, an embodiment of the heavens, on the ceiling. The names of Djehuty and his parents were also intact in the second chamber; the names were defaced in the previously-known first chamber of the tomb, which had also been looted.

According to a press release from Dr. Zahi Hawass, Secretary General of Egypt’s Supreme Council of Antiquities, Djehuty’s tomb is only the fifth known decorated burial chamber of the 18th dynasty. An additional unusual feature of the tomb is that its upper chamber is decorated in relief, rather than simply paint. When the excavation is completed, Dr Galán’s team plans to open the site to the public as the carved stoneworks will not be destroyed by tourists’ activities as paint would.

The identification of Djehuty is a complicated one, as a number of officials of the 18th dynasty bore the name, including a general and several governors. The name itself is an alternate transliteration of the name of the Egyptian god usually written in English as Thoth.