Do Better

State Farm Headquarters: Bloomington, Illinois Market share percentage: 16.19% Average annual full coverage rate: $1,457 Average annual min coverage rate: $539 State Farm is the largest insurer of personal autos in the United States. The insurer offers insurance, banking products and loans, which are all sold by State Farm agents. If you are in the market for insurance and banking services, State Farm is worth consideration. State Farm’s overall customer satisfaction ratings from J.D. Power are mostly average. However, the company did earn an above-industry-average score for claims service. This indicates that customers are often satisfied with how State Farm handles claims in the event of a loss. Standout feature: State Farm has 19,000 independent contractor agents and 58,000 employees, making it easy to find help with your policy in your area. Link to original source is here

What are the 10 biggest car insurance companies? Although there are thousands of auto insurance companies operating in the United States, a handful of the largest companies dominate the market. The following list of auto insurance companies demonstrates how the top ten providers write about 73% of the nation’s auto insurance: State Farm: 16.19% Geico: 13.54% Progressive: 13.30% Allstate: 9.11% USAA: 6.32% Liberty Mutual: 4.75% Farmers Insurance: 3.98% Nationwide: 2.32% American Family: 2.07% Travelers: 1.96% So how do these car insurance companies compare? Each has its own advantages and disadvantages, and the best company for one person may not be the best for another. Link to original source is here

By contrast in January 2012 the United States Department of Justice seized and shut down the file hosting site Megaupload.com and commenced criminal cases against its owners and others. Their indictment concluded that Megaupload differed from other online file storage businesses, suggesting a number of design features of its operating model as being evidence showing a criminal intent and venture. Examples cited included reliance upon advertising revenue and other activities showing the business was funded by (and heavily promoted) downloads and not storage, defendants' communications helping users who sought infringing material, and defendants' communications discussing their own evasion and infringement issues. As of 2014 the case has not yet been heard. In 2016 the file hosting site Putlocker has been noted by the Motion Picture Association of America for being a major piracy threat, and in 2012 Alfred Perry of Paramount Pictures listed Putlocker as one of the "top 5 rogue cyberlocker services", alongside Wupload, FileServe, Depositfiles, and MediaFire. Link to the original source is here

File hosting services may be used as a means to distribute or share files without consent of the copyright owner. In such cases one individual uploads a file to a file hosting service, which others can then download. Legal assessments can be very diverse. For example, in the case of Swiss-German file hosting service RapidShare, in 2010 the US government's congressional international anti-piracy caucus declared the site a "notorious illegal site", claiming that the site was "overwhelmingly used for the global exchange of illegal movies, music and other copyrighted works". But in the legal case Atari Europe S.A.S.U. v. Rapidshare AG in Germany, the Düsseldorf higher regional court examined claims related to alleged infringing activity and reached the conclusion on appeal that "most people utilize RapidShare for legal use cases" and that to assume otherwise was equivalent to inviting "a general suspicion against shared hosting services and their users which is not justified". The court also observed that the site removes copyrighted material when asked, does not provide search facilities for illegal material, noted previous cases siding with RapidShare, and after analysis the court concluded that the plaintiff's proposals for more strictly preventing sharing of copyrighted material – submitted as examples of anti-piracy measures RapidShare might have adopted – were found to be "unreasonable or pointless". Link to the original source is here

In 2021 a European Citizens' Initiative "Freedom to Share" started collecting signatures in order to get the European Commission to discuss (and eventually make rules) on this subject, which is controversial. Link to the original source is here

On January 19, 2012, the United States Department of Justice shut down the popular domain of Megaupload (established 2005). The file sharing site has claimed to have over 50,000,000 people a day. Kim Dotcom (formerly Kim Schmitz) was arrested with three associates in New Zealand on January 20, 2012 and is awaiting extradition. The case involving the downfall of the world's largest and most popular file sharing site was not well received, with hacker group Anonymous bringing down several sites associated with the take-down. In the following days, other file sharing sites began to cease services; Filesonic blocked public downloads on January 22, with Fileserve following suit on January 23. Link to the original source is here

“The File Sharing Act was launched by Chairman Towns in 2009, this act prohibited the use of applications that allowed individuals to share federal information amongst one another. On the other hand, only specific file sharing application were made available to federal computers” (United States.Congress.House). In 2009, the Pirate Bay trial ended in a guilty verdict for the primary founders of the tracker. The decision was appealed, leading to a second guilty verdict in November 2010. In October 2010, Limewire was forced to shut down following a court order in Arista Records LLC v. Lime Group LLC but the gnutella network remains active through open source clients like FrostWire and gtk-gnutella. Furthermore, multi-protocol file sharing software such as MLDonkey and Shareaza adapted in order to support all the major file sharing protocols, so users no longer had to install and configure multiple file sharing programs. Link to the original source is here

From 2002 through 2003, a number of BitTorrent services were established, including Suprnova.org, isoHunt, TorrentSpy, and The Pirate Bay. In September 2003, the RIAA began filing lawsuits against users of P2P file sharing networks such as Kazaa. As a result of such lawsuits, many universities added file sharing regulations in their school administrative codes (though some students managed to circumvent them during after school hours). Also in 2003, the MPAA started to take action against BitTorrent sites, leading to the shutdown of Torrentse and Sharelive in July 2003. With the shutdown of eDonkey in 2005, eMule became the dominant client of the eDonkey network. In 2006, police raids took down the Razorback2 eDonkey server and temporarily took down The Pirate Bay. Link to the original source is here

Shortly after its loss in court, Napster was shut down to comply with a court order. This drove users to other P2P applications and file sharing continued its growth. The Audiogalaxy Satellite client grew in popularity, and the LimeWire client and BitTorrent protocol were released. Until its decline in 2004, Kazaa was the most popular file sharing program despite bundled malware and legal battles in the Netherlands, Australia, and the United States. In 2002, a Tokyo district court ruling shut down File Rogue, and the Recording Industry Association of America (RIAA) filed a lawsuit that effectively shut down Audiogalaxy. Link to the original source is here

In March 2001, Kazaa was released. Its FastTrack network was distributed, though unlike Gnutella, it assigned more traffic to 'supernodes' to increase routing efficiency. The network was proprietary and encrypted, and the Kazaa team made substantial efforts to keep other clients such as Morpheus off of the FastTrack network. In October 2001, the MPAA and the RIAA filed a lawsuit against the developers of Kazaa, Morpheus and Grokster that would lead to the US Supreme Court's MGM Studios, Inc. v. Grokster, Ltd. decision in 2005. Link to the original source is here

Gnutella, eDonkey2000, and Freenet were released in 2000, as MP3.com and Napster were facing litigation. Gnutella, released in March, was the first decentralized file-sharing network. In the Gnutella network, all connecting software was considered equal, and therefore the network had no central point of failure. In July, Freenet was released and became the first anonymity network. In September the eDonkey2000 client and server software was released. Link to the original source is here

In June 1999, Napster was released as an unstructured centralized peer-to-peer system, requiring a central server for indexing and peer discovery. It is generally credited as being the first peer-to-peer file sharing system. In December 1999, Napster was sued by several recording companies and lost in A&M Records, Inc. v. Napster, Inc.. In the case of Napster, it has been ruled that an online service provider could not use the "transitory network transmission" safe harbor in the DMCA if they had control of the network with a server. Link to the original source is here

Files were first exchanged on removable media. Computers were able to access remote files using filesystem mounting, bulletin board systems (1978), Usenet (1979), and FTP servers (1970's). Internet Relay Chat (1988) and Hotline (1997) enabled users to communicate remotely through chat and to exchange files. The mp3 encoding, which was standardized in 1991 and substantially reduced the size of audio files, grew to widespread use in the late 1990s. In 1998, MP3.com and Audiogalaxy were established, the Digital Millennium Copyright Act was unanimously passed, and the first mp3 player devices were launched. Link to the original source is here

File sharing is the practice of distributing or providing access to digital media, such as computer programs, multimedia (audio, images and video), documents or electronic books. File sharing may be achieved in a number of ways. Common methods of storage, transmission and dispersion include manual sharing utilizing removable media, centralized servers on computer networks, World Wide Web-based hyperlinked documents, and the use of distributed peer-to-peer networking. Link to the original source is here

If you're a safe (slow and boring) driver like me, you feel like you're just throwing away money every year on your car insurance. What's your car insurance? Here's a list of the best car insurance companies for 2021. Geico's clever commercials ensure that it remains one of the best-known car insurance options in the country, but its customers know the company for the great service and support it offers, along with some of the cheapest insurance prices. Geico's 97% customer satisfaction rate speaks for itself, as does its long list of honors, including the most desired insurer according to Kanbay Research Institute. You know, just in case the gecko isn't enough to convince you that you want its insurance coverage. A giant in the insurance world with over 18 million customers, Progressive manages to attract and retain so many satisfied customers with continued commitment to saving its customers money on their car insurance rates. Progressive was the first auto insurer to offer safe driver discounts, which makes the company a great option for people with a good driving record who are looking for the cheapest car insurance options. Even today, customers who switch to Progressive save an average of $699 on their car insurance premium per year. Auto-Owners Insurance may not have the flashy marketing presence of the competition, but how many of them can say they've been around almost as long as cars have? Established in 1916, the company has nearly 3 million car insurance policy holders across 26 states. Its high rankings from J.D. Power might prompt you to check if it has coverage where you live. Ranked the No. 1 auto insurer in California, Esurance in quickly making inroads around the country (the company operates in 43 states). A division of Allstate, Esurance promises customers that switching or signing up for car insurance can be as easy as possible, or "painless," as the company puts it. Users agree with the assessment, as reviews on the website call attention to how fast and easy it is to sign up with this car insurance provider, either online or with the Esurance app. And calling all introverts, you likely won't have to talk with an insurance agent directly to get set up. Operating globally, Liberty Mutual is the fifth-largest property and casualty insurer in the world. Still, the company makes it very clear that its business starts with you and the first step in that journey is getting an insurance coverage quote. Most insurers offer free car insurance quotes on their websites, but Liberty Mutual offers you discounts for using its own -- you can save up to 12% off your rate by getting a car insurance policy quote online. With over 90 years covering drivers, Nationwide has learned a thing or two about what keeps customers happy (and in turn, what keeps them customers). The company's list of visions and values shows exactly where its priorities lie. Top ratings from a variety of outlets (such as A.M. Best, S&P and Moody's) would suggest that it's working. Those values extend to employees, as well -- Nationwide was ranked No. 53 in Fortune's most recent list of the "100 Best Companies to Work For." Among the many plans Travelers offers is a car insurance coverage policy that you can customize based on your needs. Rather than upsell users, Travelers offers a host of resources (in the form of blog posts) designed to educate motorists prior to policy purchase. An informed customer is a happy customer. A division of Liberty Mutual, Seattle-based Safeco has been in the car insurance business for over 85 years and has been a national presence for more than two decades. Safeco partners with local agents who can devote the time and attention that customers need in order to get all of their individual car insurance questions answered and coverage type requests met. If we were judging solely on satisfaction, the United Services Automobile Association would take the top spot in our best car insurance companies rankings. What affects the USAA's ranking is that its scope is narrower than those of most other auto insurers, as the company only offers coverage to service members, veterans and their families. That said, USAA offers prices that even beat Geico's, with customers who switch saving an average of $707 a year.

The internet has all the answers. Any first-hand experience with actually being a vegetarian? I tried it when I was in high school, my father said it was a good decision, encouraged me. You can be a vegetarian at 15, I did, I was in charge of the kitchen. Walang komontra hehe.

A lot of us love File Sharing, Free Downloads and Torrents. What website do you use to download free stuff? No porn please.

Contents here will be submitted to Elon Musk, so make it count! 🙂 So, what is a Filipino? Wikipedia has that covered. Is there a need to bring the Filipino culture to Mars? What for? Does humanity need a brown skinned, medium-sized humanoid? What are Filipinos good at? What unique Filipino culture/trait will help humans as whole progress in Mars and beyond? Or, are Filipinos just good for the Martian Preserve? The Martian Preserve is a concept I just thought of now. Similar to how humans protect endangered species in Madagascar. In Mars there will be a protected area where different human races of the world will be kept... for historical purposes and needed experiments. Like in zoos where we see pandas kept with bamboos, the Filipinos will be kept in a place with wifi, and given mobile phones loaded with social media apps. This club aims to prevent this dystopia. Let's put our minds together. Let's write down the reasons why our culture and our descendants should make it to Mars as a respected functional Martian. Define the Filipino.

Grandparents of the People of Mars, Going to Mars is a generational effort. On your shoulders is the person who carries on their shoulders the Martians from the Philippines. If it's not us, who will make sure that our culture makes it to Mars? Send Filipinos to Mars to continue the Filipino heritage. It starts with you.

Smooth Operator by Sade

What do you think is the overall average sentiment of people in the NCR+? Yes, to free vaccines, vaccines are safe No - vaccines are not safe Depends on brand To further clarify the question, do you think the masses want the vaccines or not?

Let’s eat!