Farmers Insurance

26 March 2009

Farmers Insurance seeks 27.5% homeowners’ rate increase,Property insurance increases expected.

Advocate business writer

Louisiana homeowners and businesses will see property insurance rates rise more this year than they have since 2006, in large part because of the financial meltdown, Insurance Commissioner Jim Donelon said.

“I do not anticipate that it will result in double-digit increases,” Donelon said.

In 2008, Louisiana homeowners’ rates rose an average of less than 1 percent, Donelon said. In 2007, the rates were up by just over 3 percent.

This year the rates will rise somewhere between those low numbers and 10 percent, Donelon said. The same holds true for commercial property insurance and for automotive coverage.

Insurance companies’ ability to write coverage is affected by the amount of capital available, Donelon said. With investors dumping insurance sector stocks, those companies can’t write as much coverage.

Meanwhile, insurance companies are also seeing their investment portfolios take a beating, Donelon said. This also reduces the amount of coverage they can write.

According to the Insurance Information Institute, an industry-funded group in New York, investments are the principal source of declining profitability among insurers. During the first three quarters of 2008, the insurance industry’s investment gain was $28.3 billion. The fourth-quarter figures are not yet available, but even if the industry’s investments remained at that level, when stocks and interest rates continued to fall, the total would still be the lowest in 15 years.

Robert Hartwig, president of the institute, said bonds represent roughly two-thirds of insurance companies’ investments, with stocks accounting for 20 percent or less.

Low interest rates and returns on investments, in the United States and internationally, will ultimately affect the price of insurance, Hartwig said. That is because a certain part of the losses that insurers pay have always been financed by investment returns.

The effect varies by insurer, Hartwig said, “but there was no insurer that was not impacted by what happened on Wall Street last year.”

Still, the major factor influencing property insurance costs in Louisiana remains the threat of a major hurricane, Hartwig said. An active season is expected in 2009, and reinsurers are raising their rates to reflect that. Donelon said that with less coverage available, the law of supply and demand kicks in and prices rise.

Already, State Farm Fire & Casualty Co., the largest insurer in Louisiana, has asked to increase homeowners’ rates an average of 14 percent statewide. Farmers Insurance Exchange, the sixth-largest firm in the state, is seeking a 27.5 percent increase in homeowners’ rates and the institution of a 5 percent hurricane deductible. Louisiana Farm Bureau, the fifth-largest company, is seeking a 10.2 percent increase. The Insurance Department is reviewing those requests, but Donelon said his preliminary review is that neither State Farm nor Farmers will receive a double-digit increase. Farm Bureau’s request has only recently been filed.

However, Brooke Cluse, a spokeswoman for State Farm, said the rate request is not directly related to the state of the economy or financial markets.

“We have had a tremendous amount of weather-related losses in the state over the past several years, and while many insurers have left the state, State Farm is here and committed to our policyholders in Louisiana. We have demonstrated our commitment by helping our customers recover from unexpected loss and they can expect nothing less in the future.”

Farmers Insurance officials could not be reached for comment Friday.


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Sony Ericsson Themes Creator

25 March 2009

Sony Ericsson Themes Creator is free software to create theme for sony ericsson handshet tandu . For you Who want to change your theme in your Sony Ericsson phone you can free download the sony ericsson creator theme.

The application allows you to customize everything in your Sony Ericsson mobile phone, from standby, to the app launcher, menu and calendar. Thanks to the tabbed interface you can quickly move between the different sections.

The right side of the program shows the current theme and the left one is where you can make the changes, from selecting a new image to changing text. So this
sony ericsson creator theme is very important for you who want to make your own theme. You can create a theme from your own photos,it's do easy to use.

I love the most from Sony Ericsson Themes Creator is, we can change sounds like the alert for new emails, messages or calendar events. With songs that we like in one
theme, great software right? ok lets get started make your own theme, if you have sony ericsson handshet surely.

Just copy paste this URL to your browser, and download it free. Here the URL Enjoyed... :ayuk::ayuk::ayuk:

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Internet Download Manager 5.15 Build 6

20 March 2009

Internet Download Manager is a tool for increasing download speeds by up to 5 times, and for resuming, scheduling, and organizing downloads. The program will resume unfinished downloads due to network problems, or unexpected power outages. The program features a full-fledged site grabber that downloads files that are specified with filters, for example, all pictures from a Web site, different parts of Web sites, or complete Web sites for offline browsing. The program supports HTTP, HTTPS, FTP and MMS protocols, and has an adaptive download accelerator for MP3 audio, FLV and MPEG video files and much more. Internet Download Manager again released a new version At this time the update there are some improvements from the lack of previous versions. At 5:15 Internet Download Manager Build 6 support this already with Google Chrome 2.

Changes in idm 5.15 Build 6 :

  • Added IDM download panel to IE web-players based on Microsoft Silverlight component
  • Fixed a bug with “Download with IDM” in IE and Firefox when selected links had spaces in Internet addresses.
  • Improved recognition of mp3 music in Flash player.
  • Added support for Google Chrome 2.
  • Fixed other bug.

The instalation is easy:

  1. Download IDM 5DM 5:15 Build 6 on the link under the post and download extracts.
  2. Now instal idman515.exe or klik twice idman515.exe.
  3. After finish instalation idman515.exe, close program idman515.exe.
  4. Copy file Patch 5.xx (2008-12-06).exe to folder C:\Program Files\Internet Download Manager
  5. Run file Patch 5.xx (2008-12-06).exe and chose patch menu
  6. Finished.

Di website aslinya Internet Download Manager di jual seharga 30$. Tapi di sini anda bisa download secara gratis.

Silahkan copy paste link berikut ke browser anda --->

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Cara melihat private profile friendster

07 March 2009

Semua manusia di dunia maya pasti sudah tau yang namanya friendster senyum. Situs yang satu ini memang sangat populer, Saat ini, Friendster mengklaim memiliki 50 juta pengguna lebih, yang sebagian berasal dari kawasan Asia Pasifik. Tentu, dengan jumlah tersebut, masih sangat potensi untuk ditingkatkan terus mengingat jumlah pengguna internet saat ini ratusan juta per harinya. Wauw keren ya?

Sewaktu jalan jalan ke pengguna friendster yang lain kalian pasti menemukan yang namanya private profile atau private photo. Kalian pasti penasaran
fikir iya kan? Nah di sini aku akan memberitahukan pada kalian manusia-manusia di dunia maya Bagaimana melihat private profile friendster. Jangan bilang siapa siapa ok diam

Ini nih caranya,simak baik baik ya?
1. Daftar dulu ke
2. Login ke friendster.
3. Beri comment target kamu.
4. Minta ijin untuk melihat private profilenya.
5. Berdoa...

Gimana sukses g fikir
? caranya ribet ya tension ? g sabaran ya ngantuk ? pengen yang instan ya ::( ? ok dech, aku kasih yang instan aja. Pergi ke alamat web di bawah ini, copy pastekan ke browser kamu misal Opera, Mozilla Firefox, atau IE8 terserah dech. Kemudian Cari UID target kamu misalkan targetnya ini nah UIDnya adalah yang berwarna merah. Nah ini websitenya:

Tinggal masukkan UID friendster lalu GO.. GO.. GO.. superman SELESEI..
Selamat mencoba...

Maaf ada kesalahan URL sengihnampakgigi
mohon kesalahan pussonton ini di maafkan sorry. Sekarang URL nya sudah saya perbaiki, silahkan ngintip private profile FS sekali lagi.:ayuk::ayuk::ayuk:

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