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Homeowners Insurance in Oklahoma

Pierre Zarokian

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Home Insurance Quotes Exclusively For Oklahoma

Homeowners insurance is an optional — but important — product that works to stay your belongings safe within the event your house or property suffers damage from common incidents. A home insurance policy covers your dwelling, personal property, and other buildings in the event of a variety of circumstances, such as wind damage, fire, theft, vandalism, and more.

Unlike auto insurance, home insurance isn’t priced based on state legislation. Home insurance prices by the state may vary counting on the worth and number of house owners policy claims made across the state, and depend upon the worth of the belongings and home insured on the policy.

The easiest thanks to finding cheap home insurance in Oklahoma is to buy around and compare rates from multiple insurance companies.

Homeowners insurance rates in Oklahoma by company

Rates for home insurance in Oklahoma can vary counting on the insurance firm you employ.

Oklahoma home insurance prices: by city

Home insurance rates in Oklahoma vary by city. Policy pricing depends on city-specific variables just like the number of house owners claims filed nearby, lending your postcode many weights choose what proportion you pay.

In Bartlesville, the standard home policy costs $3,455 per annum — $597 but the typical Oklahoma rate. Homeowners within the below cities enjoy the foremost affordable insurance in Oklahoma.

Oklahoma insurance bundling discounts: homeowners and auto

If you would like to save lots of on homeowner’s insurance, consider purchasing your homeowners and automobile insurance policies from an equivalent company. A home and auto insurance bundle in Oklahoma can lead to substantial savings on auto insurance.

Earthquake insurance in Oklahoma

Oklahoma encounters an estimated 285 earthquakes per annum, meaning Oklahoma residents should consider a policy that covers earthquakes.* However, this coverage doesn’t come standard in home policies. Earthquake coverage comes as an endorsement to your home policy, covering damage resulting from land movement.

Aftershocks are another serious concern when it involves earthquakes. They can be severe and sometimes cause damage for days after the initial event. Luckily, having this coverage means that you pay a single deductible for damage from the initial earthquake as well as any resulting aftershocks within a period of 72-hours.

For those who live in earthquake-prone areas, you can expect your homeowner’s insurance rates to be more expensive. This is especially true in areas with the highest risk of seismic activity. While most traditional insurance carriers don’t offer earthquake coverage, options exist in seismically-active states. Keep in mind that earthquake deductibles are usually above deductibles for many standard perils.

Homeowners insurance and tornadoes in Oklahoma

A tornado can hit with precious little warning. There isn’t much that can be done to prepare and the effects can be devastating. It’s vital to guard your home against tornadoes in Oklahoma, which averages 65 twisters per annum .*

Tornado damage is typically caused by wind, so verify your home insurance policy includes windstorm protection, which comes standard in most homeowners’ policies.

Wind protection covers the exterior and overall structure of the building. Depending on your policy type, you’ll find that interior damage is merely covered when it occurs as caused by exterior damage, sort of a limb breaking a window. Also covered are detached structures, generally up to 10% of the home’s insured amount. Bear in mind that other damages caused by the storm might not be covered by insurance. For example, if the storm that produced the tornado also causes flooding that damages your home, those damages won’t be covered unless you’ve previously added flood insurance to your policy.

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BUSINESS

The History and Significance of Gothic Rings

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Gothic Rings

Gothic is an art trend dominated in Europe from the 12th to the 15th centuries. Starting with architecture, Gothic gradually encompassed sculpture, painting, book miniature, stained glass, fashion, and, of course, jewelry. It is not really correct to call the Gothic fashion style. Rather, it is a lifestyle.

In the Gothic era, jewelry reflected the status and wealth of its owner. In the majority of medieval states, commoners couldn’t wear jewelry made of precious metals. Even if they could afford a gold ring, they were forbidden to put it on (affluent members of the society, however, could freely wear lavish ornaments, though many of them bore a functional significance rather than decorative). Catholic Church dictated that believers couldn’t flaunt garish jewelry, and since Gothic is basically an evolution of cathedral architecture, it followed the rules of religious dogma. It also means that we can see many religious symbols in Gothic art including crosses, the tree of life, vine, etc.

Two Trend of Medieval Gothic

  1. Symbolic items

Because Gothic stemmed from Christian architecture, religion impacted its components. Take across, for instance. While crosses still personified the dogmas and beliefs of the Catholic Church, Gothic made use of the emotional power of art like no other period in the history of mankind. Just like those cathedrals and temples, crosses were crafted large, intricate, and highly ornate to highlight the significance of the supreme power while belittling a person.

A crown, as symbols of power, also repeated the architectural ideas of the cathedrals in miniature. Gothic crowns pointed their prongs to the sky mimicking cathedrals’ spiels. These symbols of the royal authority always contain heraldic signs and embellishment of multicolored precious stones that resembled stained glass windows of temples.

2.Utilitarian jewelry as part of the attire

At first, jewelry and accessories didn’t consider to be decorative elements. Rather, they performed a certain utilitarian function. One of the first pieces of ‘jewelry’ that combined both beauty and functionality were buttons. In Europe, they appeared only during the Crusades (crusaders brought them from East), and soon enough, they became a popular accessory among riches. Buttons were pretty expensive to craft at that time so a few buttons featured in a dress cost more than all the fabric.

Rings also performed a functional role. Every person who had power or importance used them as signets to seal correspondence and documents. Along with that, they carried the significance of an amulet. Especially popular were rung with gemstone inlays. Their symbolical meaning varied depending on their size and color intensively. By the way, medieval people didn’t always keep the rules of wearing rings on their fingers. In England, for example, they often tied their signets to wrists, and in Germany, men attached them to their hats.

Besides rings and buttons, the Gothic influence is seen in buckles, fasteners, combs, hairpins, and brooches.

Features of the First Gothic Jewelry Items

Real silver gothic rings (and gold, too) of the medieval era benefited from cloisonne enamel techniques, large cabochon gemstones, and multicolor inserts. Diamonds, turquoise, garnets, rubies, emeralds, and pearls were the favorite jewels of that era. As you can see, the medieval Gothic ornaments have little in common with modern ones. Back then, jewelry was a real riot of colors while modern Gothic sticks to black and silver. The pops of colors can still be seen but they are not near as sweeping as in the old Gothic.

Neogothic

After the period of its heyday, Gothic fell into oblivion for about four centuries. However, the XIX century introduced a revival of neo-styles. Hard on the heels of the Napoleonic Wars, Europe succumbed to a romantic mood and gave birth to the first of neo-styles, the Neo-Gothic. The motherland of this style became England. One of the favorite entertainments of the aristocracy of that time was themed balls. Ladies and gentlemen put on lush ornate dresses and costumes, and thus clothing and jewelry imitating items of the Middle Ages came into fashion in the early 1800s.

 

Neo-Gothic jewelry is built upon religious images, mythical animals, floral patterns, crosses of various shapes, shields, crowns, individual letters of the Gothic font, and phrases in Latin. Gemstones were a less common option in comparison to the Middle Ages. Instead, rings, necklaces, and headpieces were made of gold or oxidized silver with commonplace enamel accents. This era also brought to us castiron jewelry.

 

At first, castiron jewelry was only a symbol of mourning (because its color is black) and was affordable to everyone. However, during the numerous wars sweeping Europe in the 19 century, it quickly became a symbol of patriotism and fidelity. Women donated their gold jewelry for the needs of the army and received cast iron items in return. Perhaps due to the Neo-Gothic, black color became an integral companion of the modern Gothic image.

Neo-Gothic lasted until the1850s and then quickly gave way to the style of archaeological revival. Without this short resurgence, however, we probably would not have witnessed its reincarnation in the 20th century. The Goths of the modern era gravitate toward dark, deep colors, silver rings adorned with outlandish symbols, and make-up to match.

 

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BUSINESS

How Online Reputation Management Services Work

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How Online Reputation Management Services Work

Online reputation management services are comprehensive and are used for far more than crisis control or eliminating negative online reviews. When used proactively, they can actually work to establish and protect your brand’s online image.  These tactics don’t just apply to businesses though. Individuals can use the service to ensure that only a professional image appears. In some cases, they can even be used to hide negative news relating to criminal records. The individuals who use these services are primarily business leaders who want to maintain a positive personal brand image.

A number of strategies ensure that an online reputation can be effectively managed.

  • Search engine optimization. Search engine optimization, otherwise known as SEO is the process of getting your online content to rank higher in popular search engines like Google. Reputation management firms use SEO tactics to be sure that internet users who are searching for topics relating to your business will be more likely to find positive information. SEO techniques are used to emphasize positive information and relegate the bad information to the outer reaches of the internet. A quality online reputation management company will brainstorm ways to use truthful, positive content to detract from any negative content effectively pushing the negative information off of the few pages of search results.

 

  • Content Development. To rank well in search engines you need great content. This means having content that is written with SEO in mind. Existing content is often not enough, so reputation management services will write new material that adds more credibility to your brand and authority to your reputation.

 

  • Social Media Marketing. Social media is here to stay. People and businesses alike are active on platforms like Twitter, Facebook, and Instagram. Online reputation management companies can help you establish a presence on the most popular networks and develop content that portrays professionalism. They’ll also know how to clean up any potentially negative information.

 

  • Review and Information Generation. Many reputation management services develop strategies that help businesses acquire and manage online reviews. They’ll promote good reviews and address negative ones. For individuals, they may create bibliographical content. Either way, the process is similar. They want to encourage the spread of positive information.

It’s always easier to build a positive reputation than it is to improve a negative one. The primary goal of reputation management is to maintain a positive one. But when things go badly, you need reputation repair. Too often though, people don’t think about reputation until they have a crisis to address. But there are some amazing reputation repair companies out there today. For businesses, we recommend repairbadreputation.com. For individual reputation repair, nobody beats searchresults.repair.

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BUSINESS

TN-1 VISA

Umar Nisar

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TN-1 VISA

According to the North American Free Trade Agreement, (NAFTA), Mexican and Canadian professionals are eligible to apply to enter the U.S.A under the TN visa order. 

The TN rule for Mexican professionals is the same as the H-1B visa process (including the 3 to 4 months of visa processing duration). 

The TN visa process for Canadian professionals does not ask for USA Department of Labor (DOL) certification of a Labor Condition Application or any kind of prior approval from the Immigration and Naturalization Service (INS) of any appeal. 

The effect is that qualifying Canadian citizens qualified in one of a proclaimed list of professions may get TN1 visa status as well as enter the U.S.A. within one day by applying at the U.S. port-of-entry.

Applications for sections of the TN-1 status for Canadian experts may be listed with the USCIS through the mail. They are usually prepared in 2 to 3 months or can be executed directly at the border. 

Requirements for TN-1 Status 

  1. Evidence of Canadian nationality. Canadian Landed Immigrants or non-Canadian nationality must apply for the H-1B status.
  2. Proof that the expected U.S.A. employment as well as the applicant quality following Schedule 2 of NAFTA. (A listing of professionals that qualify under Chapter 15, Schedule 2, of NAFTA)
  3. Applicants must indicate to involve in employment at a professional level. The employment has to be prearranged by a U.S.A. organization or institution.
  4. A letter from the U.S.A employer describing the characteristics of the employment. TN-1 status is allowed for only one employer at a time for a particular kind of work. For many employers, multiple TN-1 applications need to be filed.
  5. Self-employed experts are restrained from getting TN-1 status, and the USCIS has instructed its field offices that E-2, treaty investor order may be a suitable alternative for those kinds of Canadian professionals.

Benefits of TN-1 Status

  1. TN-1 visa is usually granted in three-year increments. Besides that, you can get unlimited renewals.
  2. You won’t be asked for any form. Moreover, it can be obtained in person directly at the U.S. border.
  3. Sometimes TN-1 status is accessible to some people who may not suit for H-1B status.

TN-1 Checklist While Crossing The Border 

  1. Evidence of Canadian citizenship through Birth Certificate and/or Original Passport.
  2. Employment agreement from the U.S.A. Employer – describing position, duties, and employment dates (please note that employment agreement has to be temporarily not permanent).
  3. Professional Certification or license. (if relevant).
  4. $50.00 (money order or cash).
  5. Proof of academic degrees like Diploma (original and xerox) 

NOTE: TN-1 status may be received at any of the U.S.A. Port of Entry along with the Canadian border. Some border exchange offices are more experienced with the TN-1 status than the others. It is always safer to have too much documentation than too limited. Original papers should be presented whenever possible.

TN Application Process

STEP 1: The hiring authority must submit the TN eForm to the UC International Services with the following documents:

  1. A letter, endorsed by the Head of the Department, inscribed to the employee, declaring the dates of the employees asked for the TN status (It won’t exceed 3 years), the wages being proposed, and a summary of job responsibilities which confirm that the job demands at least a bachelor’s degree in a particular field of study. 
  2. A letter to Homeland Security explaining how the employee qualifies for the TN status. 
  3. A draft made out to the Department of Homeland Security for $325.00 (if the candidate is inside the U.S. and does not intend to get TN status at the border). 

STEP-2: The proposed employee must present the following stuff with the eForm application:

  1. A xerox of the highest diploma obtained and relevant transcripts. If the degree is not from a university inside the U.S.A, the. U.K., Canada, or Australia, an evaluation of the comparable U.S.A degree needs to be presented.
  2. Personal information such as:
  • Curriculum vitae; 
  • Xerox of all current immigration papers (visa, passport, and I-94 card) if the employee will not be asking for the TN at the border. 
  • if applying from inside the U.S.A. and the applicant has dependents (children or spouse), Form I-539, and xerox of all latest immigration papers (visa, passport, and I-94 card) for dependents.

STEP 3: Upon receiving the eForm and full documentation listed in Steps 1 and 2, UC International Services will: 

  1. Get the I-129 application ready if the employee will not be migrating to the border to get TN status. 
  2. Convey the employee directions for check-in and onboarding if getting TN status at the border. 

It is justified that the employee always obtains TN status by going to the Canadian/U.S.A. border as there are no application charges to the University for this and the status can be achieved within one day. An application requested in the country to Homeland Security will take almost four months to get approved

 

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