wpdev WordPress Theme

wpdev-theme - User friendly responsive fresh WordPress blogging theme wpdev. It support's sticky post, left and right sidebar, header advertisement space, related post with thumbnail, responssive with tab and mobiles user, back to top button, three column footer. Theme option with favicon , advertisement space under post title and post footer and search engine optimization seo friendly features. you can use this theme for photo blogging or any blog you like.

For full theme using guide, go to http://carifahmad.blogspot.com/

This theme, like WordPress, is licensed under the GPL. It is the chiled theme of theme-rafi www.wordpress.org/themes/rafi
(http://www.gnu.org/licenses/gpl-2.0.html)

Font: http://www.google.com/fonts

CSS Menu: http://www.cssmenumaker.com


wpdev WordPress Theme, Copyright 2015 marksitbd (carifahmad.blogspot.com).
wpdev is distributed under the terms of the GNU GPL


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Theme's Main Features
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Super faster and user friendly blogging plateform with a simple layout.

Right sidebar- This theme has a right side dynamic sidebar.

Left sidebar- This theme has a left side dynamic sidebar.

Featured Post - Theme supports Featured post widgets area.

Ad banner - Theme supports you to show ad banner on side of featured post.

Super search box - There is a nice search box in this theme.

Super sticky post- YOu can display your sticky post as a featured post .

Custom Logo option – You can upload your custom logo on the place of site title. Suggested dimensions are 300 x 50.

Custom Background – Theme supports background color changes and a background image.

Fresh dashboard- This theme support a fresh dashboard.

Footer widgets - bottom of your page you can use 3 footer widgets

Back To Top - There is a nice back to top scrolling button on theme footer

Related post- Theme supports related post with thumbnail

=====================
Installation Process
=====================

Step-1. unzip and extract 'wordpress bloggers' folder
Step-2. upload wordpress bloggers folder to 'wp-content/themes/' directory
Step-3. go to Dashboard -> Appearance -> Themes and install theme.

or

go to Dashboard -> Appearance -> Themes -> add new -> upload -> browse -> define 'wpdev.zip' file -> install now -> active theme

========
Notes
========

- To change background or to add a logo, go to the Dashboard -> Appearance -> Customize.

- Make sure to set a navigation menu after installation by clicking setup menu.

-For theme support you can ask me .

==========
change log
==========

version 1.01
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First version

version 2.01
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Update to responsive

version 3.01
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fix some of bugs.

version 3.02
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fix css and js call issue

version 3.03
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change author uri
change footer link
remove extra tag
fix style.css

version 3.04
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fix many bugs from all of files

version 3.05
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little change in sidebar and function file

version 3.06
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change sidebar calling codes
re-positioning all files

version 3.07
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remove extra file and features

version 3.08
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update copyright issue

version 3.09
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change screenshot of theme

version 3.09.01
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fix issues from functions.php file
fix featured image issue
fix navigation menu issue

version 3.09.02
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change slider sidebar location
add read more link

version 3.09.02
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theme options
related post

The Life, Incapacity and insurance Agent

There are some ways to outline the term, “insurance agent”. Essentially, associate general agent may be an authorized individual UN agency solicits sales for associate underwriter, or variety of insurance corporations. The agent is subject to the state licensing laws of each state during which he sells life, health and social insurance.
Captive v. freelance agent

If associate agent is authorized with only 1 company, he's remarked as a “captive agent”. And he will solely sell the insurance product of that company. If he's authorized with several corporations, he's remarked as associate “independent agent” as a result of he's not restricted to merchandising the product of only 1 company.
But each agent will solely sell the product of corporations that he's authorized to sell. Necessary for you to understand as a result of associate freelance agent UN agency can sell for several corporations, if he's conscientious, contains a higher probability of merchandising you the most effective product to fulfill your insurance wants as a result of he has additional product from that to settle on. so as to create the sale (and earn the commission), a captive agent could try and persuade you that his company’s product is that the best for you once really there are higher product for your state of affairs within the marketplace.

American Council of Life Insurers (ACLI)
The conduct of insurance agents has return below nearer scrutiny in recent years as a results of the initiation of various lawsuit law suits alleging inappropriate and inaccurate sales displays by insurance agents. In response to the present, organizations like the yank Council of Life Insurers (ACLI) and also the National Association of Insurance Commissioners (NAIC) have projected model rules, market conduct principles and use of databases to boost agent practices.
The ACLI is associate association of life assurance corporations through that the business is making an attempt to police itself.


Relationship between agent and underwriter
The law of agency, a separate and distinct space of the law, applies to the connection between the general agent and also the underwriter. A basic rule of agency law is that the principal is answerable for the acts of its agents done inside the scope of their agency authority. it's to not the life, health or incapacity financial gain underwriter’s profit to own agents UN agency area unit acting not suitably or lawlessly whereas they're representing the insurance company. Lawsuits against the agent invariably embody the underwriter as a co-defendant for 2 reasons--because of the principal/agent relationship and conjointly as a result of the underwriter typically has deeper pockets than the agent.

Why is agency law necessary to policyholders?
As a result of, in contrast to property and casualty insurance (homeowners and auto), the agent UN agency sells life, health and incapacity financial gain insurance is nearly continuously considered the legal agent of the underwriter. Therefore, as a general rule, any wrongdoing by the agent, like incorrectly finishing your application forever, health or social insurance, can de jure be considered wrongdoing by the underwriter. In laymen’s terms, the underwriter of a life, health or incapacity financial gain general agent is liable for the acts of its agents whereas they're merchandising insurance to you. (Of course, if you're conspiring with the agent to cheat the corporate, that’s a distinct story.)

State Insurance Department or Commission
Every state within the nation has associate insurance commissioner. They usually report on to the governor of the state a bit like the lawyer general of every state reports to the governor of that state. The NAIC is associate association of all the state insurance commissioners. The NAIC spends lots of your time drafting and holding hearings on new model laws and rules for the insurance business. This work of the NAIC contains a gone an extended method toward providing a point of uniformity between the insurance laws and rules of the varied states. Their work has conjointly acted as associate impetus for the implementation of laws and rules once a replacement space of serious would like arises. Recently that space of would like has been the sales ways of agents.
Insurance agents should get a license from every state (through the insurance commissioner’s office) during which they're soliciting business. If associate agent isn't a resident in a very state during which he desires to sell insurance product, the agent could unremarkably get a nonresident license from that state. you'll be able to check on the licensing (or disciplinary) standing of your agent by merely contacting the insurance commissioner’s workplace of your state. Agents UN agency sell variable life assurance product or alternative investment-related product should conjointly get a license from the National Association of Securities Dealers (NASD).

Revocation of agent’s license
An general agent will have his or her authorized revoked or suspended for variety of reasons, together with fraud, thieving, and forgery. Insurance agents can even lose their license for associate activity the insurance business refers to as twisting. Twisting happens once your agent improperly pressures you into dropping your existing insurance therefore he will sell you a replacement policy. His primary motivation for merchandising you the new policy could also be so he will get the primary year commission on the new policy. To inspire agents to usher in new business, insurance corporations typically provide a high 1st year commission that's dramatically reduced for the second and later years of the policy. However, if the policies are comparatively similar, there are disadvantages to you in canceling your previous policy and shopping for a replacement policy. as an example, the incontestable (time limit on sure defenses) and suicide periods in your previous policy could have terminated. They're going to begin afresh together with your new policy, that isn't to your advantage.
Another follow which will lead to the agent forfeiting his or her license is rebating. this happens once associate agent forks over to you, directly or indirectly, a piece of his commission or its equivalent, like a rebate of the policy fee, a valuable gift (such as prime tickets to an enormous game) to induce you to get a policy from him.
If you think your life or insurance agent has engaged in fraud, thieving, forgery, twisting, rebating, has created associate inappropriate or inaccurate sales presentation to you or isn't properly authorized together with your state insurance department and, if necessary, with the NASD, you ought to contact associate lawyer to guard your rights.

Techtunes Multi Author Blogging Theme Download For Free

Theme's Main Features

Super faster and user friendly blogging platform with a simple layout.

Right sidebar- This theme has a right side dynamic sidebar.

Featured Post - Theme supports you to show a featured post.

Ad banner - Theme supports you to show ad banner on side of featured post.

Super search box - There is a nice search box in this theme.

Sharing button - There is share button for your each post.

Author bio - Theme supports showing author bio for each post.

Login welcome - Theme supports welcome to logedin users.

Two column categories - Theme supports show categories on two column .

Super sticky post- You can display your sticky post as a featured post .

Custom Logo option – You can upload your custom logo on the place of site title. Suggested dimensions are 300 x 60.

Custom Background – Theme supports background color changes and a background image.

Fresh dashboard- This theme support a fresh dashboard.

Footer widgets - bottom of your page you can use 3 footer widgets

Back To Top - There is a nice back to top scrolling button on theme footer

Code highlighter - Use pre tag to code highlight on your post.

=====================
Installation Process
=====================

Step-1. unzip and extract 'techtunes' folder
Step-2. upload techtunes folder to 'wp-content/themes/' directory
Step-3. go to Dashboard -> Appearance -> Themes and install theme.

or

go to Dashboard -> Appearance -> Themes -> add new -> upload -> browse -> define 'techtunes.zip' file -> install now -> active theme



========
Notes
========

- To change background or to add a logo, go to the Dashboard -> Appearance -> Customize.

- Make sure to set a navigation menu after installation by clicking setup menu.

-For theme support you can ask me .
===========
change log
===========
0.01
- Initial release.



Need Old versions??
download version 0.03.01 
outlook below 

 


UPDATE : WordPress already approved techtunes theme and given downloan link is from wordpress.org . Enjoy quality themes. 

Developer : Arif ahmad ullah chowdhury . Phone: +8801822339085
email-  marksitbd@gmail.com
This download link from mediafire ! Please keep in touch on this page to get wordpress.org download link. Because may be this theme has bugs! so if you need bug free theme you must download it from wordpress.org.  Bug free download link will given after wordpress.org approval :)

Wpbeginner Responsive Wordpress Adsense Theme

=====================
Wpbeginner Theme's Main Features
=====================

Super faster and user friendly responsive blogging theme with a simple but awesome layout.

Right sidebar- This theme has a right side dynamic sidebar.

Slider sidebar - Theme supports you to show ad or any kind of widget under navigation menu in all of the page.

Super search box - There is a nice search box in this theme.

Super sticky post- YOu can display your sticky post as a featured post .

Custom Logo option – You can upload your custom logo on the place of site title. Suggested dimensions are 300 x 50.

Custom Background – Theme supports background color changes and a background image.

Footer widgets - bottom of your page you can use 3 footer widgets.

Back To Top - There is a nice back to top scrolling button on theme footer.

Responssive - Theme has a responssive layout.




=====================
Wpbeginner Installation Process
=====================

Step-1. unzip and extract 'wpbeginner' folder
Step-2. upload wordpress bloggers folder to 'wp-content/themes/' directory
Step-3. go to Dashboard -> Appearance -> Themes and install theme.

or

go to Dashboard -> Appearance -> Themes -> add new -> upload -> browse -> define 'wpbeginner.zip' file -> install now -> active theme

========
Wpbeginner Notes
========

- To change background or to add a logo, go to the Dashboard -> Appearance -> Customize.

- Make sure to set a navigation menu after installation by clicking setup menu.

-For theme support you can ask me .

===========
Wpbeginner change log
===========
0.01
- Initial release.


      Download Wpbeginner Theme Here ( it will be given when wordpress.org get approved )

Donating Your Car in Maryland

You own a car that created an accident and is lying idle in your garage. It is not drivable at the moment and you need to shift the car somewhere to donate. How could you do that?

You must have to select a charity first to do so. A charity can also accept your old car and you can have some money to donate them. You need to know the process how to dispatch the car only. You shall have to contact various charities and select one of them which is valid and legally authorized to receive your donation. They will let you know where to send your car. You need to hire a tow-truck by which you will send the car. That’s all.

Let us think that you have chosen Maryland, Free State, Old Line State to donate your car. Now your job is to contact with them.

The process of pulling the car from one place to another is called towing. Towing is just to drag your car away by coupling your car with a heavy vehicle.
This coupling can be done by a chain or a rope or some other means that can hold your car strong. Generally a tow truck is used for towing. They are also known as wrecker.
While towing, the charity considers the type of tow truck; the towing safety, the capacity, its stability and the way of coupling. The charity can also accept your old car and you can have some money to donate them.

Maryland is one of the licensed wholesale dealers that may not sell the vehicles to a retail buyer. So the title of a vehicle should accurately be assigned to the charity. This is how the charity handles the matter. This is required to know that the donation can affect your tax deduction. So before dispatching your vehicle you need to remove your license plate from your car and return back to the MVA (Maryland Vehicle Authority). If anyone needs to maximize the charitable input and gets the largest tax deduction he may donate his car to Maryland. 



Maryland provides the opportunity to make the donation system easy and smooth. They allows the charity to receive the donation at the earliest. They keep their overhead low by cultivating the relationship with the tow-truck companies, junkyard and the charities to make sure how to make tax deduction. You shall have to find out a charity that can receive the car as donation in Maryland.

Before selecting a charity for Maryland donation you should know how the program works and why they are the best. Maryland sells the donated cars directly to the charity. The charity sells the donated cars through a network that acts nation wide for auction and the salvage houses to optimize the revenue for charity.

You need not to remain in anxiety and hassle for selling the car to a private organization. You shall have to avoid the expenses of repairing cost. The towing facility is free for all the donors. A licensed towing company remains always ready to pick your car. They usually pick up the car within a day or two after being informed. One of the main formalities is to fill a form to donate your car. This form requires all your information to be filled within a business day and to be submitted. After the form is submitted you will be informed within two days to complete the donation procedure.

Car Insurance Quotes and its Factors

When you buy a new car you need to have an online insurance quote. If you wish to change the insurance carriers you may also need the online insurance quote. You then will have to know the process only how to get the quote online at an earliest possible time which is important.

Vehicle information is generally based on your own records, but even then if you have a current policy that may be required. Further you shall have to provide drivers information in the policy including the license number. The car’s make, it’s year of manufacturing, model and VIN (Vehicle Identification Number) is also required. For insurance quote you shall have to submit the odometer reading for your car and the place (location) where you generally park your car. 

The main factors that will affect on pricing your car while you quote, is the nature of vehicle, your address where you live and you park your vehicle and your driving record. They will see the value of your car. How much expensive it is to replace or repair, where and how the vehicle is driven and the nature of your driving whether you have driven the car personally or it was driven for business purpose. A few incidents like accidents and or some moving violations in your driving record will affect you lower the rate.
If you have a policy and like to compare with a new one to compare a new insurance quote to find which is the best then you should compare with the similar coverage, the deductible amounts and the limits. In most cases the insurance company can offer multiple quotes from which you can customize the demand of your insurance requirements.
If you are not clear in your mind what kind of coverage you want, you can use the auto insurance coverage calculator with them. This is an easy tool which will help you to find out the different level that fits best to your demand. 



If you wish to take some help from others during the quote process you can. They have online help center to make you satisfy obtaining the best insurance quote for you. Online evaluation sites are ready to generate and grade your quotes from the peak insurers and once you have selected your quote an expert insurance broker will lock your rate to help you to start with the new policy with the insurer. The entire procedure will take only a few minutes to be done. You will not only save your money and time, you will have a satisfaction in yourself that you have done a great job. You will find that you have achieved the cheapest rate. These comparison sites allow you to quickly find the best insurance quotes from all the top insurers. This is amazing.

Once you are convicted in driving your car you may be identified as “high risk” and you will have to face high insurance rate in future. So it is required not to drive without auto insurance coverage.
One thing you need to know that some uncontrolled wild frauds are there to cheap the auto insurance. But it is also good to know that the high rates include strictly mandatory to minimize the benefits of accidental laws.

Neymar The Football God Of World :: A Brazilian Player

Neymar is a professional football player who plays in the Team FC Barcelona in Spain as a forward. He is the Captain of Brazil National Team. Neymar was born on 5th February 1992. He is a Christian and his full name is Neymar da Silva Santos Junior.

Neymar started playing football at his early age. He went to Spain to join the Real Madrid Youth Team and met the star footballers like Ronaldo, Bekham, Carlos, Robinho and many others.

Neymar stands for Brazil at the team under-17, Under-20 and the senior levels. When he was 18 he joined Selecao as a debutant to play a friendly match against USA. Neymar is prominent for his skill, dribbling, acceleration and the finishing ability with both his feet. The style of his playing is so superb that he is compared with Pele the former Brazilian great forward. Pele called Neymar an excellent player. Ronaldinho, the other great football hero said, “He will become the best footballer in the world”. 

Neymar was voted as the most excellent Young Player in the year 2009 and won the best player award in 2010 from Campeonato Paulita. He was the top scorer in Copa do Brasil that year scoring 11 goals alone. He completed the year scoring 42 individual goals in 60 matches.

Neymar was first selected for the Brazilian Senior Team on 26th July 2010 against USA to play a friendly match in New Jersey by the then head coach Mano Menezes. The match was played on 10th August 2010. He was then a man of 18 only. He made his first appearance wearing number 11 jersey and scored a goal after 28 minutes.

He received the Bronze Ball in FIFA Club World Cup in the year 2011 and was voted the best player again in that year. This year he won the Copa Libertadores where he scored 6 goals in 13 attacks. He was the top scorer this year scoring 9 goals in South American Youth Championship this year. He scored 2 goals in the final. He received the Bronze Boot and was selected in the World All Star XI. Neymar scored 2 goals against Equador in the first round in 2011 Copa America. He was selected as the ‘Man of the Match’ against Venezuela in the first match of Brazil.

Neymar scored 42 goals in last 59 matches for Brazil. He was the fifth highest scorer for his national team. According to Sportsperson he was the most marketable athlete in the world. The Guardian rewarded him as the 6th best player in the world.
 




Neymar was selected on 11th May 2012 in the Brazil Olympic football team for participating the London Olympic Games. He scored his first goal of the summer Olympics this year against Egypt. Neymar scored his first hat-trick this year on 10th September against China.

Neymar played the 2013 Confederation Cup in 2013 in the Brazilian squad. He was assigned for the Number 10 Iconic Jersey on his home soil. He scored the first goal of the tournament and finally his performance made him achieve the Golden Ball for being the player of the tournament.

Neymar scored 4 goals in 2014 FIFA World Cup. He obtained the bronze boot as the 3rd top scorer of the tournament.

Donate Your Car For Money

If you have an old car sitting idle in your garage you may think of getting some cash money by donating the car to a charity or something like that. You may decide to purchase a new one or you may think that the old car will cost high if you wish to repair. At any situation you can have some link of ways to donate your car and get cash money against it.

Don’t waste your time and don’t think otherwise. If your car is right fit to be driven, then it’s fine and ok. But if the car is not drivable or even crashed then you need not to be worried at all. The junkyard is ready to have these sorts of cars also. Each and every car is ready to be appraised. It needs to be determined where to send for the highest profit. The visual appeal of the car is important. This generates the interest of the bidder and lets the price rise higher. If it is found that the price is cost effective then the cars are being repaired to get high selling price.


You can choose a suitable charity for donating your car. For this reason you shall have to know which charities are taking the donations. You can choose a non-profit organization which is 501(c)(3) qualified as religious group. You then need to call the charity you have selected. Go through the steps to deliver your car. You should be available when you are dispatching your car. Get the receipt from the person who is representing the charity. Give the keys to him but it is not necessary you are giving the title. Make sure that the receipt belongs to charity. See the name on the receipt. Check the federal tax number on it. Check that your full name is written or not and the date of delivery that is the date you are donating your car. All the information is required to be written perfectly as if you shall face no bothering while you need to abstract itemize deductions on your taxation forms and the market value at the same time as you donate your car.

When you will be collecting all the information to donate your car, keep in mind that you will need the title, insurance and the list of spare parts of your car. This may be needed to get a fair amount against your car.

You can call at least five or six junkyards to find out what price they offer for your car. If the car is not drivable then you should see they will agree to drag the car for you or if you are to hire a tow truck for doing the same for you. You may have to contact with them.

Pick three top bids and accept the highest bidder to see whether you can have the opportunity of going a little higher to find out what they are actually paying you. Make all the necessary arrangements to take the car to junkyard. If you can do this by yourself then you can have the cheque at that moment. If you are need of using the dragging option you may need to wait sometimes to have the cheque for you. It may be sent to you through your mail.
Get the bill of sale during transferring the title of your car to the junkyard.

Donate Old Car for Charity

Donating your old car to a charity is not at all a bad idea. This is an option to do well for the charity. If you have an old car and the car is sitting idle inside your garage and you are thinking that the car became wastage for you. It has become a space occupying material that is of no use to you now. You are planning how to throw it out. There is nothing to be worried. Just find out a charity. Contact with them. Select a place from where the car is to be picked up. Hire a tow-truck to drag the car for you and dispatch. This is so simple. If you think of donating your old car you can give it to a charity and you can do it easily.

You need a new car for your use. You may decide to purchase a new one and you know well that the old car will cost high if you wish to repair. So at any cost you planned to dispatch it out. You have no time to waste. Moreover your car is not drivable and somehow crashed. In this case a Charity can help you out.


A charity can accept your old car and you can have some money to donate them. You need to know the procedure only. Contact various charities those are ready to take your car as a donation. Select a charity that is a religious organization of 501(c)(3). These types of organizations are valid to receive donation. They are legally authorized to be donated. Contact with them. They will let you know the junkyard where you shall have to send your car. To send the car to the junkyard you need hire a tow-truck by which you will send the car. There the auction will be held. The charity can repair the car for you before facing the auction. They can change the visual demand of your car. This will attract the customers. After the auction is completed, you will be informed through email when you are getting the money.

While you are going to deposit the car you will be getting a receipt from a person on behalf of the charity. You can give the key to him. You need to know that your name is written on the receipt and it is from the charity. Check your name whether it is written perfectly in full or not. Check the date mentioned on the receipt. If all the information is found correct you will get the permission to take your car to the junkyard. Get the price and pick the bids. See how much the bidders are paying you. Complete all the formalities. You will be getting your mail to collect the cheque within a few days.
Collect all the information in a row to donate your car. Notice that you need the title, insurance and the spare parts list of your car. This will be required by you to get a suitable amount against your car.
That’s all.

Donating Used Cars To Charity

When you decide yourself to donate your used car to a charity you need to select first the charity in which you are going to donate your car. Then you need to know the procedure, how to donate. That’s all, it’s so very easy.

There are lots of charities in America. The American Cancer Society is one of them. It supports life saving activities and programs for the people who are fighting with cancer. Cancer is a group of diseases when abnormal cells start growing inside a part of your body. It goes out of control and instead of dying the cells continue to grow and develop new abnormal cells. In a normal cell when DNA gets damaged the cell can repair the damage or dies. But in a cancer cell, the DNA gets damaged and could not be repaired nor does it die. The cell instead, makes new cells with the same damaged DNA that is not required. Thus cancer spreads.

You can choose The American Cancer Society to donate your used car. Donating your car can take part in saving the lives of a cancer patient. All you need is to contact the charity and fix up a schedule to donate your car. After contacting with the charity you will be advised to complete a form providing some necessary information about you and your car. You shall have to mention from where the car needs to be picked up. The charity will provide you a title. After the title has been received a schedule will be given for the car to be picked up within the next 48 hours.   




But before you donate your car you shall have to avoid the middlemen and contact directly with the charity. You should know how much value will get the charity from your car. If you contact a middleman he will get a major portion and the charity may be deprived. Further look on a factor whether your donation might not be qualify for a tax deduction. This is important. You shall have to know the position of your recipient. In order to be qualified, the charity should be an IRS approved 501(o)(3) organization. Generally the charity like The American Cancer Society qualifies.

As the car donation is presently understood, the process has become very simple to be benefitted for the car donors.

If a charity is found that they are dealing the transaction themselves, then it is possible for them to keep hundred percent of the profit. But it should be their program which you may not know.

But if the charity does not accept the donation directly then you may take time to find a charity who accepts the donation. As you are giving the donation for the benefit of the charity this should be kept in your mind not to give up the car away. So you should value your car properly.

One thing more is required to know that the car should be transferred to the charity in a proper manner. Moreover you need to complete the paper work accordingly. So a thorough documentation is required. If the value of your car is high then you should have an acknowledgement receipt for the same from the charity when you donate. Further if the value is double to your said amount then you should complete section A of IRS of Form 8283. This is required.