• Only 2 percent of the federal government’s hurricane-related funding went toward education recovery.

• The costs of hurricane destruction in K-12 and higher education were estimated at .2 billion, but only .2 billion in federal funding had been committed to restoring physical structures and property. Some rebuilding funds have come from the local and state levels and insurance, but several projects are unfinished.

• Displaced students re-enrolled in schools in 49 states, but a lack of adequate federal funding meant that schools with the greatest number of displaced students had insufficient classrooms, staff and supplies to support them. The report found that as many as 15,000 K-12 public school students and 35,000 college students in Louisiana and Mississippi missed school last year due to lingering problems associated with Katrina.

• Nearly one out of every six students in Louisiana’s public colleges and universities dropped out for the 2005-06 school year. In the 2006-07 school year, more than 26,000 students from Louisiana public colleges and almost 9,000 Mississippi college students remained out of school.

My husband and I are planning a trip to Jamaica in July…I was told that was during hurricane season but the person who told me that could recall when it started and ended. Help us out please?
of course either way we are getting travel insurance.
My husband’s not going to be here after July so we’re trying to go then. If I could change it I would.

Entomology departments on various univeristy websites in my local area define the type’s of termites that are destructive to housing structures to be localized to regions several hundred miles north and west of the area I’m in.

also they do not include actual data about these pests, nor do they post information about migration of the pests.

So my question is probably that of a scientific one. .

Mathmatically, if there’s no termites why buy a termite bond to cover you for damage, if by reason of sanity, you have far more things to worry about to spend with your money on, like "hurricane" and "fire" insurance .. or even crime based losses, that could be covered in general home owners insurance.

That kinda logic makes me want to belive, that termite bonds might be good if you lived say. in a termite suspect area.

I honestly don’t know what the termite data is, because I can’t get to it. and when I DO try to look, the only people supporting the data are PEST CONTROL companies..

So this is why I belive termite bonding is a scam.

I plan to move to florida and want to chose the safest place to live and also to be able to get homeowner insurance. thanks for all information.

Their was a tornado locally, so I decided to investigate it and shoot photos of it. However, the police had the public roads leading into the town closed. I was unable to go to where I wanted to get the photos I needed. They let other vehicles and media through. But I was unable to. I was however allowed to park and walk. While there was debris, the roads were drivable. And as I mentioned they allowed some people to drive through but not others. I even came through one road one way, but for some odd reason, they would not let me go back through. I had to find an alternative route home.
Can they prevent people from going through towns that are disaster area’s like this? Don’t photojournalists have certain rights? Can they allow some media outlets but not others? And how do you go about getting access as other journalists, media, construction workers, or insurance agents have? It seems like some photographers are allowed full access but others aren’t.
And how would one acquire a press pass? When I spoke with a photographer with one of the local papers in the past about getting a position with the paper or as an independent photographer for them, I would need to have a portfolio first. Well it’s hard to start one when your unable to gain access to these types of situations. I thought press passes were simply documentation from the paper or media company you are working for to state your with them, nothing being of an official government type of credentials. I didn’t think they were needed for these types of events.
I asked a question, but apparently people would rather insult and discourage others while not even trying to better the situation for other photographers.
Hokielover01, I’m sorry, but where do you have the right to tell others what they are qualified for or not especially when you do now know anything about the person. I guess it must be a ego issue on your part, or maybe you are just scared someone could do a better job then you can do?
First of all, just because you have a press pass for some newspaper does not mean you know anymore then someone else. I do realize the risks. I think I am more then competent to understand the dangers of power lines and other risks. And more likely more then you.
First of all, I am a professional photographer. God forbid If I wanted to supplement my income by doing some freelance photojournalist work. I would like to know how I would get in the way of some idiot like you? I think I have a little more processional courtesy then that, but I guess you couldn’t realize that because I asked a question.
It’s people like you that actually ruin photographers good names. Its also people like you that think because you have a camera and can snap pictures of a disaster you think you’re a real photographer. Now I truly understand why photographers say photojournalists have no real photography skills. Because obviously with your quick to putdown attacks, you are a pretty defensive because your obviously very scared.

Newspaper circulation fell 2.6 percent in the six-month period ending in March, according to recently released data, as the industry continued to struggle with competition from other media outlets and the Internet. They have all the reasons one could ever want or not want to hear. My family and friends and I believe it is for reasons no one has addressed or for that matter will address. It is the same tired story the guy in the pouring rain “the hurricane is getting closer”; the snow, the shoot out, theft or murder. Today’s media would never have survived a day with the media of old. They do not want to do news they do not want to get dirty or look under a rock. It either cost too much or in the long run it could cost them. Recently I suggested our tired rag of a paper report on modern snake oil men. That is businesses who are legal but don’t tell you everything. For example we all have seen the ad where the company offers to take over your insurance settlement that is being paid you in installments paying you a one time buy out. What they are not telling you is many times you only get 50% of your settlement. The income tax preparer who offers you a quick loan many times at 40%. The company that gives you a quick loan on your cars title (the military have placed them off limits) if you do not pay it ALL back the remainder is penalized 150% each day. The companies who advertise no interest or payments on your furniture for two years. Then on the first day it is due if the entire amount is not paid penalties are added for each month you could have been paying. News? Certainly is and is helping the public many of which do not understand matters like this and count on the government to protect them. Do you agree?

I am not the owner of the building. I do not pay rent but I provide continuous maintenance for the building both inside and out. I provide all protective insurance coverage, including hurricane coverage. I pay garbage pickup; water, electricity for security outdoor lighting; alarm system for the building; Installed protective storm shutters to the building. I pay continuous lawn maintenance; upkeep of parking lot; installed security fencing around building, etc. Does these things constitute a form of payment in lieu of rent? Does the building owner and I have a landlord/tenant relationship?

The restaurant I am employed with has been closed for over a month now due to flooding. We were expecting it would be closed for two weeks, MAYBE, but it has turned out to be much longer.

My boss told those of us who work full time that we can file for unemployment insurance, as well as disaster relief. I was waitressing 6 days a week.

So, while I wait for the restaurant to re-open (which will hopefully be in the next few weeks) I have been selling some things that I can do without, babysitting for families as much as I can, and now just this week I have decided to file for unemployment and the disaster relief.

The unemployment is something that will effect the weeks from now until I am able to work at the restaurant again, and the disaster relief is back pay for this past month.

My questions:

Is unemployment or disaster relief something that I pay back, like a loan, or is it more like a "grant." - For lack of better metaphor?

Will this increase the taxes I pay month to month? I told them to take income tax out of the checks right away.

Will this affect my credit score?

Thank you for any info you can provide.

The restaurant I am employed with has been closed for over a month now due to flooding. We were expecting it would be closed for two weeks, MAYBE, but it has turned out to be much longer.

My boss told those of us who work full time that we can file for unemployment insurance, as well as disaster relief. I was waitressing 6 days a week.

So, while I wait for the restaurant to re-open (which will hopefully be in the next few weeks) I have been selling some things that I can do without, babysitting for families as much as I can, and now just this week I have decided to file for unemployment and the disaster relief.

The unemployment is something that will effect the weeks from now until I am able to work at the restaurant again, and the disaster relief is back pay for this past month.

My questions:

Is unemployment or disaster relief something that I pay back, like a loan, or is it more like a "grant." - For lack of better metaphor?

Will this increase the taxes I pay month to month? I told them to take income tax out of the checks right away.

Will this affect my credit score?

Thank you for any info you can provide.

I know the answer. I just wanted to see if you did. The answer is that there is an endless supply of northerners that come to the state after selling their home. So real estate agents/ sellers in Florida can ALMOST charge anything they want. But those folks that move down here usually don’t know the downside to Florida. They don’t know how bad a hurricane really is, or that the cost of living down here is much higher than they thought, or that wages are low, or that crime can be very high, or that social services are not the greatest because od a low tax base, or that homeowners insurance is the highest in the nation, or that the sense of community is not very tight, or that the public schools rank quite low, or that etc… You can’t really warn them beforehand. Gotta find out the hard way like me.
It really isn’t like Disney World.
And also, employers always have an endless new crop of employees to choose from. Keeps the wages low.

***Aggregate supply will increase, decrease or remain the same for each of the follwing?
A New sources of silicon are located in Wyoming.
B New laws result in an influx of highly educated immigrants.
C. A hurricane destroys 50% of the nation’s oil refining capability.
D. A new process for producing glass revolutionizes the industry.
E. If government regulations force employers to provide dental insurance, the SRAS?
F. Congress votes to increase farm subsidies by 15%.
G. Congress votes to substantially increase the minimum wage.

We live paycheck to paycheck. Made the mistake of moving to Florida. We got here a year before all the hurricanes started coming (we’ve been hit by 4 directly). Now housing is through the roof and even if we could get a place (we rent right now) the insurance co’s are running like rats on a sinking ship and the ones that are staying are raising their rates 50 - 99% (no joke). We want to move to Colorado but have no extra money. There’s really no expenses to cut to save, except to stop eatting. Last year we lost 00 because of lost food, ice, batteries and other emergency supplies thanks to the hurricanes. It’s like a trap, we can’t afford to live here and can’t afford to get out! Open to suggestions. Thanks.

Work hurricane catastrophe insurance claims. Work snow ice wind storm hail fire floood claims. Any insurance training needed. Any insurance licensing needed?

We are trying to buy homeowners insurance b4 hurricane season…we live in fl. but i wanted to know the right answers to ask the agents when i am shopping for quotes. Is there any? what are the basic questions? i want to make sure i’m covered for all the right stuff and i get what i want and need. thanks for all of your help!

Like Hurricane/flood insurance and stuff.

My home insurance agency denied my claim after hurricane dolly. They said they couldn’t cover my home because there were no broken windows an no missing shingles. Is there anything i can do or should i just settle for their discussion?

I have never made a claim before so I need a little help.

So far I have already received an insurance check (not deposited) for my roof, fence, and some food.

I was told I could claim the removal of my tree, maybe part of my generator costs, and definitely the cost of the gas to keep it going for nearly two weeks.

Is there anything I might be missing?

Houston, TX
American Risk Insurance Co
HOB policy with all of the endorsements.

I was in Cancun last Wednesday thru tomorrow (8/22) but got scared and caught a Delta flight out on Sunday due to the approaching hurricane Dean. The hotel was being evacuated. Will Funjet give me anything back on my all inclusive since I had to leave? I bought their travel insurance.

so Ike is going to hit sw florida on wednesday,… can i get insurance on monday?… what do i have to do to get it?

Why am I being taxed this just because I buy car insurance?

Isn’t this a Big crock of Crap?

I’d like to know how much you think homeowners insurance would be on a 2,000 sq. ft. home, west of I 95?

It would be a newer home, built 2003 and worth in the market of 5,000.

Just a ballpark figure will do. We’re relocating but not ready to contact a broker yet.

P.S……Let me know how much you pay even if the house is worth slightly less or more than the one we’re thinking of.

im considering moving toward that area and buying a condo or house. Anyone got any insurance info?

i recieved insurance money to fix my home but i did the work. i heard the materials would be tax deductible. i have saved my reciepts just in case.

I'd like to know how much you think homeowners insurance would be on a 2,000 sq. ft. home, west of I 95?

It would be a newer home, built 2003 and worth in the market of 5,000.

Just a ballpark figure will do. We're relocating but not ready to contact a broker yet.

P.S……Let me know how much you pay even if the house is worth slightly less or more than the one we're thinking of.

Thanks so much.

I am moving to florida next week, and I'm wondering besides hurricane insurance, and renters what else should I get? Will this be enough, or should I get something else?