Farmers Insurance Memphis Offers Quality Homeowners Insurance In Tennessee at Affordable Prices from Cordogan Insurance Agency
Memphis, TN – Every home comes with a variety of risks. This is why Farmers Insurance Memphis has been offering residents across Tennessee the comprehensive insurance policy solutions they need to cater to unforeseen contingencies. As one of the leading insurance policy providers in the area, Farmers Insurance Memphis takes the needs and satisfaction of their clients seriously. To show that the insurance policy provider is listening, they have announced their new upcoming endorsements homeowners insurance policy coverage in Tennessee.
Announcing the latest insurance policy offered by the company to residents in and around their state, Mike Cordogan recently commented, “Our agency offers coverage for a wide range of policy types, whether you are looking to insure a primary dwelling, an investment property, a condo, or a townhouse. The basic coverage for each of these types of policies are generally the same, with some differences depending on what type of policy you are looking for. To understand what each policy type covers, reach out to our agency.”
As a tested and trusted insurance policy provider in the area, their homeowners insurance in Memphis has been designed to provide coverage for the dwelling itself, household contents, separate structures, personal liability, medical payments, and additional living expenses.
These comprehensive homeowners insurance policies take into consideration some of the most important factors to ensure that policyholders are adequately protected from future possible risks. As a transparent insurance provider, their homeowner’s dwelling coverage is determined by entering the square footage of the home along with the materials that make up the home, the number of rooms, amenities present and other details. Through these details, the team at Farmers Insurance Memphis will get a better idea of the reconstruction cost of the home in the event of disasters.
In addition, the property coverage will be based on the percentage of the dwelling coverage on the home. This policy provides coverage for personal belongings and can be customized to add or reduce coverage as well as add floaters for items such as jewelry. The liability portion of the policy also offers coverage for when homeowners are being held liable for another person’s injury while on the property while the medical payment portion caters to the medical cost of others.
In addition to the affordable homeowners insurance in Memphis, TN from Farmers Insurance Memphis, the insurance providers also offer renters insurance which provides coverage for personal property for those renting. Soon customers that have a renters policy with Farmers and subsequently buy a homeowners policy with Farmers will receive an extra discount. Life insurance packages including whole life insurance, universal life insurance, and term life insurance policies are available as well. They also offer business insurance policies for business liability, business property, business crime, business auto and workers’ compensation policies.
Residents in Memphis and across Tennessee can also get their auto insurance policy at competitive prices, customer-specific coverage, and great options for drivers even if they have had tickets or accidents.
Farmers Insurance Memphis has a proven track record with thousands of satisfied clients who have chosen them to protect themselves from risks. Speak to an agent from Farmers Insurance Memphis by calling them at 901-309-5585. For more information, send an email to Michael Cordogan via firstname.lastname@example.org or visit their website, memphisinsurance.net
Company Name: Farmers Insurance Memphis
Contact Person: Michael Cordogan
Email: Send Email
Phone: +1 901-309-5585
Address:293 S Walnut Bend Rd Ste 101
Country: United States
Pittsburgh, PA – With great experience implementing innovative marketing strategies, Local Brand Advisor continues to the preferred digital marketing agency in Pittsburgh, PA by providing affordable and effective services to help them increase their companies’ visibility through the appropriate use of marketing strategies. This proudly, locally owned and operated business has built a great reputation among business owners as their services have made a significant change in their sales.
For many years, Local Brand Advisor has been helping small and mid-size businesses increase their online visibility. They help them create a customized strategy that allows them to reach their maximum potential to generate more traffic through their websites. Their innovative strategies and real-time tracking system have made them one of the most respected companies in their field. Their clients receive more than just regular digital marketing support. They specialize in Google Maps SEO, local search ads, local SEO consulting and more. All services are performed by fully licensed developers who have vast experience helping clients of all industries reach their business goals.
Explaining why they are considered a leading advisor in the field, the company’s spokesperson says, “Local Brand Advisor is one of the premier local internet consulting firms in Pittsburgh. We pride ourselves on our work ethic and output quality. Our company strives to have our values, diversity, respect, transparency, and integrity be well represented by our experienced and well-selected staff. We have a team of passionate and hardworking people with individualized proficiency in their own designated tasks. We have a bunch of different SEO experts and digital marketers that are knowledgeable in any niches they encounter.”
Local Brand Advisor combines the experience of each member of its knowledgeable staff with the latest digital marketing resources to be able to provide great results on every service they provide. Whether their clients need to increase their visits by optimizing their website or need to provide access to be located through a mobile app, these professional designers have all that’s needed to provide great results in a timely manner.
Local Brand Advisor has been considered synonymous with transparency as they have been recognized for offering great results and affordable prices. By contracting their services, clients won’t have to worry about hidden fees since their specialists will take the time to explain in detail every aspect of their plans. Local Brand Advisor has helped several small and mid-sized local businesses reach new and better prospects by going beyond conventional web optimization and social media strategies. They not only take the time to understand their clients’ needs but also provide personalized support during the process, even beyond office hours.
Local Brand Advisor is located at The Diamond Building 100 5th Ave, Suite 110, Pittsburgh, PA, 15222, US. For local SEO strategies from Local Brand Advisor, contact them via phone at (412) 467-0809 or via email at email@example.com. To learn more about their services, visit their website.
Company Name: Local Brand Advisor
Contact Person: Jessie Taylor
Email: Send Email
Phone: (412) 467-0809
Address:The Diamond Building 100 5th Ave, Suite 110
Country: United States
After years of poorly-received MacBook Pro models, Apple’s new sixteen-inch model has a lot riding on it. The 2019 MacBook Pro (available today at Apple.com) will have a larger screen, latest-generation innards and, yes, an entirely new keyboard design. Prices start at $2399.
The 16” MacBook Pro comes configured with either a 2.6GHz 6-core i7 or a 2.3GHz 8-core i9 from Intel. These are the same processors as the 15” MacBook Pro came with. No advancements here is largely a function of Intel’s chip readiness. The i7 model of the 16” MacBook Po will run $2,399 for the base model — the same as the old 15” — and it comes with a 512GB SSD drive and 16GB of RAM.
It’s only 2% larger for the extra inch of display. Keyboard’s better, but … maybe wait a few months.
Apple is calling it the Magic Keyboard in homage to the iMac’s Magic Keyboard (but not identically designed). The new keyboard is a scissor mechanism, not butterfly. It has 1mm of key travel (more, a lot more) and an Apple-designed rubber dome under the key that delivers resistance and springback that facilitates a satisfying key action. The new keycaps lock into the keycap at the top of travel to make them more stable when at rest, correcting the MacBook Air-era wobble.
And yes, the keycaps can be removed individually to gain access to the mechanism underneath. And yes, there is an inverted-T arrangement for the arrow keys. And yes, there is a dedicated escape key.
Pittsburgh, PA – Fragasso Financial Advisors announces the launch of its associated advisor business model with Robert Yelenovsky of The Investment Advisory Group, LLC. The agreement is effective as of October 2019.
Fragasso’s new associated advisor business model has been created to capitalize on a market of sole practitioners or groups of advisors who need additional resources in order to grow their practices. The appeal to these advisors is the scale and support offered by Fragasso. The associated model advisor(s) join Fragasso’s RIA and/or broker-dealer and can leverage access to key business resources and gain the flexibility to serve their clients.
“It’s more of a plug and play situation.” explains Daniel Dingus, president and executive director of portfolio management at Fragasso Financial Advisors. “These advisors are still managing their practice and serving their clients. We are providing institutional-quality investment management accompanied with sophisticated technology platforms, a codified client experience, compliance oversight, marketing and administrative support. With the current state of the industry, these resources are paramount to a sole practitioner or multi-partner advisor group looking to accelerate their growth.”
Robert Yelenovsky, who has over fifteen years of experience in the wealth management and insurance industry, was most recently Fragasso Financial Advisors’ senior vice president of retirement plans and institutional advisors, a role Yelenovsky held for five years. “As part of Fragasso’s management team, I was aware of the firm’s inorganic growth plan. I identified an opportunity where I could aid in these objectives. I am at a point in my career where I want to return to serving individuals and small business owners as an independent advisor, but I need the support and resources that Fragasso can provide to myself and to my clients. The benefit is two-fold: The Investment Advisory Group will serve a segment of clients from Fragasso Financial Advisors, and Fragasso is building the framework for their associated advisor growth model in real time with a former colleague.” explains Yelenovsky.
In recent years, Fragasso’s inorganic growth has been primarily accomplished through acquisitions. In 2015, they acquired a practice formerly based in Zelienople, The Grandview Group, and in late 2018 announced the acquisition of a practice in Beaver from former AXA Advisor and sole practitioner, Paul Mehno.
“The acquisition candidate is ideally planning to retire in the next ten years and is in need of a business succession plan.” commented chairman and CEO, Robert Fragasso. “In an acquisition scenario, we must strike the right balance of portfolio management philosophy and, in cases where an advisor wants to join Fragasso as an employee and continue to work until retirement, a cultural fit is necessary.”
Robert Fragasso continues, “We feel the implementation of an associated advisor model significantly expands the range of opportunities. Our plan is to focus within a 100-mile radius of Pittsburgh, where the Fragasso brand is most recognized, but we’d consider associating with firms in all of Pennsylvania, Ohio, Maryland and West Virginia.”
About Fragasso Financial Advisors
Fragasso Financial Advisors is an independent, employee-owned, primarily fee-based investment management and financial planning firm headquartered in Pittsburgh, PA with four additional suburban offices in Western Pennsylvania. Founded in 1972, the firm today has $1.4 billion combined assets under management and non-advisory assets. Fragasso has consistently been recognized by Barron’s since 2007. Most recently in 2018, he was ranked #2 in Western Pennsylvania on both the Barron’s Top 100 Financial Advisors and Barron’s Top 100 Independent Advisors lists.1
Investment advice offered through Fragasso Financial Advisors, a registered investment advisor. Fragasso Financial Advisors, 610 Smithfield Street, Suite 400, Pittsburgh, PA 15222.
Visit www.fragassoadvisors.com for more information.
Barron’s listings are based on data compiled by many of the nation’s most productive advisors, which is then submitted and judged by Barron’s. Key factors and criteria for each award include assets under management, revenue produced for the firm, regulatory and compliance record and years of professional experience.
Rankings and/or recognition by unaffiliated rating services and/or publications should not be construed by a client or prospective client as a guarantee that he/she will experience a certain level of results from investment advisory services, nor should it be construed as a current or past endorsement of any of the firm’s clients. Rankings published by magazines, and others, generally base their selections exclusively on information prepared and/or submitted by the recognized adviser. Rankings are generally limited to participating advisers. Fragasso Financial Advisors never pays a fee to be considered for any ranking or recognition but may purchase plaques or reprints to publicize rankings. For information on individual rankings, including methodology, please click the link for the respective award at fragassoadvisors.com
Company Name: Fragasso Financial Advisors
Contact Person: Marsha Posset
Email: Send Email
Address:610 Smithfield St., Suite 400
Country: United States
Olds College has once again been recognized as one of Canada’s Top 50 Research Colleges.
Moving up one spot on the list from 44 to 43 this year, Olds College officials say the post-secondary institution is one of four Alberta College’s on the national list for 2018.
Others include the Northern Alberta Institute of Technology (NAIT) at number 11, Southern Alberta Institute of Technology (SAIT) at number 17, and Lethbridge College at number 47.
“We are very pleased to be listed as one of the top research Colleges in the country,” comments Dr. Joy Agnew, Director, Olds College Centre of Innovation, in a press release. “Olds College is focused on enhancing innovation in agriculture through applied research. The Olds College Centre for Innovation, together with our Smart Farm, and Technology Access Centre for Livestock Production, are working closely with industry to evolve existing agriculture practices.”
Officials say the College’s primary research areas of focus include agriculture technology, crops, environment and wetlands, livestock, and turfgrass. Adding the College collaborates with industry, academics and government to support applied research, innovation, commercialization and entrepreneurship.
“Fiscal 2018 was a solid year for college research” explains Ron Freedman, CEO of Research Infosource. “Colleges excel in forging research partnerships with local groups and we are seeing growing evidence of their success. By using their expertise and facilities, colleges are fulfilling their mandate of working with local organizations to promote local research and innovation”.
The annual ranking is released by Research Infosource Inc. According to Research Infosource Inc., Canada’s Top 50 Research Colleges reported $190.8 million of sponsored research income in Fiscal 2018.
Research income was in the form of research grants, contracts and contributions from third parties.
To learn more, visit researchinfosource.com/top-50-research-colleges/2019.
West Hartford, CT – With proven success in the development of its programs, Code Ninjas is proud to announce its recently opened center in West Hartford, CT. Code Ninjas is a successful franchise with great presence in the US, Canada, and the United Kingdom, dedicated to teaching students how to code while having fun and creating their own video games.
In the new world, learning how to code has become as important as learning a new language. Therefore its founder David Graham, a successful programmer and entrepreneur with over 17 years of experience had the vision to create a system that allows kids and adults to learn everything they want to know about coding. David Graham is the founder of Coder Camps, a center with programs designed to help adults become software developers. The success of his methodology at the Coder Camps and his experience teaching his own kids inspired David to create Code Ninjas. It is an after school program with international recognition dedicated to teaching kids how to code by using an unparalleled methodology and providing useful tools for their lives, regardless of the profession they choose.
Code Ninjas West Hartford remains true to its founding values by offering unparalleled services in the hands of their fully licensed instructors (senseis). Their vast experience as developers combined with Code Ninjas’ methodology guarantees an effective learning process for kids, while also allowing them to have fun by bringing their ideas to reality.
“Coding has been called ‘the literacy of the 21st century’ for good reason,” the spokesperson for Code Ninjas said. “Just like math, science, and literature, coding is a key aspect of understanding our technologically advanced world. There’s a huge need for a generation that not only understands technology but how it works. Regardless of whether your kids one day pursue a career in coding, Code Ninjas teaches them confidence, logic, resourcefulness, and problem-solving skills that will serve them for the rest of their lives.”
Code Ninjas- After school program West Hartford offers fun and flexible coding education plans, including after school programs and a coding camp for kids between 7 to 14 years old. In addition, the domos (as their centers are called) also offer “parents’ night out” services, allowing parents to drop off their kids and have fun while their kids develop new skills. Their programs are divided into 3 categories. The first one contains 4 levels to learn all they need to know about Java; through one single level, they will learn about LUA and 4 levels for C#.
While Code Ninjas’ main focus is teaching kids how to code while having fun, their program has many different intrinsic benefits such as helping kids improve their ability to solve problems by identifying the problem and finding it a solution. Most of them also have a great incidence of math skills as math is built into the coding. Teamwork is another great skill that kids will be able to develop at Code Ninjas as almost the whole program is designed to teach kids how to code by partnering up with others.
Code Ninjas is located at 176 Newington Rd Suite A, West Hartford, CT 06110. For immediate assistance about After school program West Hartford, contact them via phone at 860-295-4297 or via email at firstname.lastname@example.org. To learn more about their West Hartford after school program, visit their website.
Company Name: Code Ninjas
Contact Person: Dennis Canlas
Email: Send Email
Address:176 Newington Rd Suite A
City: West Hartford
Country: United States
Before you ask your Chinese factory for a discount, make sure you won’t be kidnapped and/or have your product cloned
A post called “The Right Way to Reduce Your China Product Costs” on China Law Blog (previously) sounds like pretty anodyne stuff, but it turns out to be a catalog of several technothrillers’ worth of ultra-weird, real-world skullduggery and chicanery from the world of late-stage capitalism and trade war.
Background: Trump’s tariffs have kneecapped Chinese manufacturing, and Chinese manufacturers are responding by slashing prices to their western customers. This has given rise to a wave of requests for discounts from those western companies, and Chinese manufacturers, already bleeding, are taking desperate steps to stay in business as customers leave or demand unrealistic discounts as a condition of staying.
The first one is plain old kidnapping (China Law Blog has written extensively about how kidnapping and ransom are a normal part of Chinese debt collection). Chinese manufacturers, working with local officials, have begun to kidnap representatives from western businesses, citing (possibly imaginary) debts or tax liabilities and holding those reps to ransom as a bargaining chip for keeping foreign business and/or extracting an exit payment from those that they lose.
Then there’s product cloning: it’s not merely that your Chinese manufacturer might steal your product dies and go into business cloning your product and selling it to your wholesalers (though that’s happening!). It’s also that your Chinese manufacturer might have taken out patents and trademarks on your business and its products. These don’t just stop you from sourcing an alternative supplier after you part ways — some western companies have found that their products are being seized at the Chinese border as counterfeits after anonymous businesses (presumed to be their former manufacturing partners) made patent and trademark claims with US customs officials.
There’s also ways that Chinese manufacturers can blacklist their former customers in China, reporting them as fraudsters, which prevents you from going to a rival.
All of this is framed as advice for “If you’re going to ask your supplier for a 10% discount, what is the worst-case scenario?” But as the writer Dan Harris says, “Despite all the risks, now is the ideal time to be looking at moving your supply chain out of China and/or trying to get your China suppliers to lower your product pricing.” The Chinese state is offering all kinds of breaks to its manufacturers in order to keep them afloat, and western businesses know it, and are demanding a share of the windfall as a condition of staying in China.
What you need to know about the new realities of China factory pricing is that the Chinese government is doing whatever it can to prop up its factories. More than anything, the Communist Party does not want to see factories closing and jobs being lost and huge numbers of people marching in the streets, as is happening in Hong Kong.
So to avoid that, China has been doing the following (and more)
1. It has reduced income tax rates for Chinese export manufacturers, thereby reducing overall costs by about 4%.
2. China has reduced its VAT rates for the export of various (but not all) products, thereby reducing overall costs by roughly 4%.
3. China has pushed down the value of the RMB, thereby increasing by about 4% the amount of RMB Chinese export manufacturers get from their Dollar/Euro sales.
So right there we have about a 12% reduction in costs for China Factory. Note that the numbers above are rough calculations and individual valuations will vary. Note also that we are hearing rumors that Sinosure is now providing export insurance to Chinese factories at no cost and this is just one of many cost/expense subsidies/reductions of which we are hearing. But because we have not run down any of these rumors, we will ignore them for purposes of today’s cost-cutting discussion.
The Right Way to Reduce Your China Product Costs [Dan Harris/China Law Blog]
(via Naked Capitalism)
Marble Machine X is an ongoing project by Martin Molin of the band Wintergatan to create an amusingly-complex mobile marble-powered instrument:
His videos documenting the project receive hundreds of thousands of views, and plenty of enthusiastic and helpful feedback. In this video from September 2018, he shows off an earlier stage of the build, and emphasizes various safety measures he added in response to helpful Youtube comments:
The videos in the series find a great balance between being edited to remove the boring parts, while also being quite informative about the fine details of the build:
You can support the project via Patreon, or by purchasing merchandise here.
(Via Andrew Fraystive.)
SALT LAKE CITY — Utah has the lowest rate of new lung cancer cases in the country, according to a newly released report from the American Lung Association.
The “State of Lung Cancer” report for 2019 estimates 780 Utah residents will be diagnosed with lung cancer in 2019.
Nationally the report revealed a positive trend in the survival rate of those with lung cancer, going from 17.2 percent a decade ago to 21.7 percent now. Utah’s survival rate for lung cancer is 21.4 percent.
“While we celebrate that more Americans than ever are surviving lung cancer, it remains the leading cause of cancer deaths among men and women, and much more must be done in Utah to prevent the disease and support families,” said JoAnna Strother, advocacy director for the American Lung Association in Utah.
Lung cancer is often deadly because it is not detected until the late stages, after the disease has spread. The report states lung cancer screening for early detection is the key, as lung cancer is often treatable with surgery before it spreads.
“Screening is a powerful tool to save lives,” Strother said. “Yet we’re only seeing a fraction of those who qualify actually getting screened.”
A press release from the American Lung Association in Utah outlined the key findings from the 2019 report:
- Survival: Lung cancer has one of the lowest five-year survival rates because cases are often diagnosed at later stages when it is less likely to be curable. Utah ranks near average at 21.4 percent.
- Early Diagnosis: Nationally, only 21.5 percent of cases are diagnosed at an early stage when the five-year survival rate is much higher. Unfortunately, about 48.5 percent of cases are not caught until a late stage when the survival rate is only 6 percent. Utah ranks 40th out of 48 at 19.6 percent.
- Surgical Treatment: Lung cancer can often be treated with surgery if it is diagnosed at an early stage and has not spread widely. Nationally, 20.6 percent of cases underwent surgery. Utah ranks 8th out of 48 states with 24.2 percent.
- Lack of Treatment: There are multiple reasons why patients may not receive treatment. Some of these reasons may be unavoidable, but no one should go untreated because of lack of provider or patient knowledge, stigma associated with lung cancer, fatalism after diagnosis, or cost of treatment. Nationally, about 15.4 percent of cases receive no treatment. Utah ranks near the bottom with 23.6 percent and ranking 43rd out of 46 states.
- Screening and Prevention: Screening for lung cancer with annual low-dose CT scans among those who qualify can reduce the lung cancer death rate. Nationally, only 4.2 percent of those who qualify were screened. Utah ranked among the bottom with 2.5 percent.
Yi-Tsu Cheng, D.D.S. & Associates Offers Unparalleled Invisalign Treatments in Chamblee, GA, and the Neighboring Areas
Chamblee, GA – With over 30 years of experience taking care of all types of dental needs, Yi-Tsu Cheng, D.D.S. & Associates continues to be the #1 choice for many families in Chamblee and the neighboring areas. Yi-Tsu Cheng, D.D.S. & Associates has built a great reputation in offering an extensive variety of dental services. These include specialized orthodontic treatments such as Invisalign® and a convenient alternative tooth-straightening treatment that allows individuals to reach their desired smile without going through complicated orthodontic treatments.
A rotated tooth, an open bite, a severe overbite or underbite are some of the dental conditions that these expert dentists from Yi-Tsu Cheng, D.D.S. & Associates are able to correct through their prestigious Invisalign® treatments. Unlike conventional braces, Invisalign has many great advantages that the other orthodontic treatments don’t have. Their users do not have any restrictions about what they can eat. Oral hygiene is easier than with metal braces, not to mention that they have a great appearance as they are made of clear plastic aligner trays.
“Nobody looks forward to straightening their teeth. You may think about popped brackets, loose wires, and missing out on your favorite foods for years. Luckily, this perception is not always accurate. Tooth straightening has progressed beyond the days of metal braces or nothing at all. Invisalign clear aligners can get your teeth straight without the use of metal braces. We have vast experience helping our patients reach a perfect smile as Dr. Yi Tsu Cheng and her associates are all certified to provide Invisalign treatments,” the spokesperson for, Yi-Tsu Cheng, D.D.S. & Associates said about their experience with Invisalign treatments.
Yi-Tsu Cheng D.D.S & Associates, the experts in Invisalign and other orthodontic treatments in Chamblee, also specialize in a full spectrum of general dentistry services. These include fillings, porcelain bridges, crowns, dentures, laser cavity detection, sealants, bonding, crowns, gum lifts & contouring and more. Likewise, Yi-Tsu Cheng D.D.S & Associates specializes in Dental Implants, Sedation Dentistry, Wisdom Teeth Removal, Botox Cosmetics, and Gummy Smile Reduction.
During their three decades in service, Yi-Tsu Cheng D.D.S & Associates has assisted over 14,376 patients with unrivalled dental care in Chamblee. Their doctors have over 16 master certifications and all their treatments are performed using state-of-the-art technology and maintained at the highest standards.
Yi-Tsu Cheng D.D.S & Associates is accepting new patients. Visit Yi-Tsu Cheng D.D.S & Associates at 5008 Buford Hwy NE Ste. B, Chamblee, GA 30341. Their office is open from 8:00 am to 5:00 pm Monday, Tuesday, Wednesday, Friday and Saturday. Appointments can be booked online or over the phone. For immediate assistance from a reliable dentist in Chamblee, contact them via phone at (770) 457-3671 or via email at email@example.com. To learn more about their services, visit their website.
Company Name: Yi-Tsu Cheng D.D.S & Associates
Contact Person: Dr. Yi-Tsu Cheng
Email: Send Email
Phone: (770) 457-3671
Address:5008 Buford Hwy NE Ste. B
Country: United States