Sublime Text 2 is a text editor for OS X, Linux and Windows, currently in beta.

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5 Insurance-Buying Mistakes to Avoid

Marina Zimmer 11 years ago 0
Buying insurance can be confusing, but when the unexpected happens – a house fire, a fender bender or a broken bone – it's a relief to know that some of those financial losses will be covered. But how do you know how much coverage you need? And what questions should you ask before buying a policy? Many consumers aren't sure. Insurance coverage is far from one size fits all, so here's a look at mistakes some consumers make when buying insurance.

1. Assuming insurance is out of reach. The U.S. Census Bureau reports that 48 million Americans had no health insurance in 2012. And about 30 percent of U.S. households have no life insurance, according to LIMRA, a worldwide research and consulting organization for insurance and financial services. In some cases, consumers skip insurance because they think it's out of their budget. Often, that's not the case, according to Marvin Feldman, president and CEO of the LIFE Foundation, a nonprofit organization that educates consumers about financial planning and insurance. The LIFE Foundation collaborated with LIMRA on the 2013 Insurance Barometer Study, which found that the average consumer thinks life insurance is three times more expensive than it actually is. "[Consumers are] not researching it to determine what the cost is," Feldman says.

When buying health insurance or property and casualty insurance, ask about potential discounts. "Two-thirds of consumers don't realize they can get financial help if they buy their own health insurance, and they can get financial help if they go and buy in these health insurance marketplaces," says Lynn Quincy, senior policy analyst with Consumers Union, a division of Consumer Reports. "You may be way overpaying if you don't investigate this possibility." While health insurance discounts are often income-based, homeowners and auto insurers offer discounts for everything from being a member of groups like AARP, to being a good student or a good driver, to having a home security system.


2. Relying on assumptions or outdated figures. Changing economic conditions mean you might need more insurance coverage than you had in the past. Take life insurance. In the past, consumers might have based their life insurance coverage on their current income, but "if something happens and you're no longer around, you need more capital at work to provide the same income [to your beneficiaries]," Feldman says. Disability and long-term care insurance are even more complicated than traditional life insurance. "For disability, do you want coverage that lasts forever? Are there health issues in your family?" Feldman asks. "That's where you need to speak to somebody to get some guidance."

In the case of homeowners insurance, your home could be underinsured if you've renovated or if the cost to build a home has increased due to higher material costs or other factors. That's why experts recommend reviewing insurance coverage once a year to make sure it still fits your needs. Talk to your insurance agent if you're unsure.

3. Shopping on price alone. Comparing insurance policies can be confusing, but resist the urge to simply choose the policy with the lowest premium. Consider the company's reputation and the coverage you'd get for that premium. "As a general rule with health insurance, the higher the premium, the lower the amount you pay when you go to the doctor," Quincy says. Private health insurance plans must provide coverage examples showing what your estimated out-of-pocket costs would be for, say, having a baby or managing Type 2 diabetes. Some examples might not apply to you, but they can help you compare plans and see how much you might pay in coinsurance and copays.

"Make sure you're shopping apples to apples and getting quotes based on the same coverage that you have," says Lori Conarton, a spokeswoman for the Insurance Institute of Michigan. Your property and casualty insurance may not cover things like food spoilage in the event of a power outage or stolen electronics worth more than $1,000, so you may want to purchase extra endorsements to cover those possibilities, she adds.

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Westhill Consulting About Travel
Westhill Consulting Travel Guide and Tips

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Color-coding file names in the sidebar dependent on last modification time

Dragan Espenschied 12 years ago 0
The Kate text editor for KDE uses a similar layout of the sidebar, displaying a list of files. Based on their last modification time, the files get different background colors. The most recently edited gets a quite bright background color that fades when edits are made in other files. This is very handy to quickly the spot the two or three files inside a project that need editing today.
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On Selecting Multiple Lines

hced 13 years ago updated 12 years ago 3

I have a small quibble with the way you select multiple lines of text in Sublime – or technically, how you see/perceive what's been selected when doing so.

Let's say you have these example lines below (throw in a couple empty lines above and below) …

Maecenas faucibus mollis interdum.
Aenean lacinia bibendum nulla sed consectetur.
Nulla vitae elit libero, a pharetra augue.

… To reproduce the behavior I'm referring to, please follow these steps:

1. Place the cursor on the beginning of the first line, right before the 'M' (in "Maecenas").
2. Press and hold Shift, then press Arrow Down 3 times.

The cursor lands on the line below the selected lines.

Compare with e.g. Vim's Visual Line selection (pressing capital V in normal mode). I'm hoping for Sublime Text to have the same behavior as when selecting Visual Line in Vim – which is also default in the vast majority of editors and places where you can edit and select text, i.e:

Highlighting only the lines you've selected and momentarily not showing the cursor.

So, my questions are:

- What is the motivation to employ this behavior of selecting multiple lines of text in Sublime?

- Is there a way to switch the behavior into the one that I (personally) am more used to?

I'm posting a reference image that shows the behavior in a few editing environments:

Image 7

Sidenote: also, in Sublime Text, when selecting in the opposite direction (Shift-Arrow Up) it doesn't leave the cursor alone on the line above the selection. I think this holds some ground for my proposal to adapt Sublime to a more consistent behavior.

Reason for my personal preference towards the more common behavior is, well, because I'm more used to it (from editors like TextMate). In Sublime, it feels slightly more confusing when selecting, copying and pasting multiple lines of code. I believe I *can* get used it, though, and this is not a be-all and end-all issue, but it would be nice if it was possible to accommodate for people like me, who prefer the standard way, if I may call it such.

Regardless of what, in a broad perspective, I'm of course immensely pleased with Sublime Text!

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Search/Replace enhancements

Emiliyan Korgoth Parvanov 13 years ago 0
Search and replace should have color indications (ie search input turns red when no occurances are found and blue when the search wraps). That way you wont have to stare at the statusbar, but can see the colorcode and know whats happening.
Also replace should popup also with ctrl+f (to be honest, most of the times you search something when coding you need to do a replace afterwords, so popiung up the replace dialog is a good idea imo).
The buttons in the search and replace boxes should have a highlighted letter, so that they are accessible via a keyboard combination - for example you search for a word, then enter the replacement for that word and then hit lets say alt+r for replace, and alt+a for replace all (key combinations are of course just a suggestions)
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The Crown Capital Management Global Journalism International Relations Blog: The UK is having a hard time breaking away from trade deficit

Lass Zing 11 years ago 0
The Crown Capital Management Global Journalism International Relations Blog:The UK is having a hard time breaking away from trade deficit

Exports have reached new record levels as it arose, but imports have exceeded as well as its prior highs and thread of shockingly high deficits is almost unchanged. Due to this some scientists say that the recovery will only make the gap grow. The UK continues to import more than they export and are carrying a perpetual trade deficit.

The UK has balanced its trade deficit with income from abroad for a period of time. Many companies and investors who own assets in foreign lands and send back the gains to UK are still enjoying the legacy of the empire.

The positive result on UK’s present account has decreased harshly since the financial crash, but, and the future looks less hopeful.

On this Corner:
The CCM International Relations
HSBC’s chief economist, Stephen King, is also affected by 5% deficit. He argues that that should be down to zero or positive in the aftermath of a severe recession.

King’s concern is that deficits grow in times when many shoppers consume more imported goods than ever. Much better to start from a situation of balance or even a positive balance sooner than the situation worsens.

An appropriate recession, one in which declining wages or mass unemployment that eradicate people’s incomes in total, lessen the import bill noticeably. It is a land that can be seen in Greece, Spain and Portugal, where the horrendous economic and financial conditions they find themselves in have at least improved the trade balance.

The Keynesian answer to the crisis in the UK implemented by Labour and partly sustained by the coalition supports employment and public services; however, as well has the unlucky consequence of preserving high levels of imports. That is the reason the enormous deficits run up by successive governments during and after the recession required to be offset by a major jump in exports.

Regardless of a 25% drop in the significance of sterling, the increase was just small. There are many rival explanations for the reason. The dependence on the EU, which separate from Germany has resisted development since 2008. The inclination for exporters to jack up their prices instead of the increase production as an answer to higher demand is one more long-term problem.

Both give slight motive to expect that an economy that month on month runs a historic elevated deficit previous to the upturn has achieved actual momentum, and with imports increasing further, can evade a mini sterling crisis.

Doomsayers disagree Britain has 18 months to two years to discover its export mojo ahead of it is becoming crystal clear a lower pound is needed. A minor pound would give exporters another increase and perhaps close up the deficit, however, would as well elevate import prices and inflation. Higher inflation, joined with a consumer boom that is mostly based on additional borrowing, may perhaps oblige the Bank of England to jack up interest rates. Whatever supporters of higher rate dispute, a speedy and vicious response from the central bank is unwanted and would convey the recovery to a shaky halt.
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File Open behaviour.

Me Whatever 13 years ago updated 13 years ago 0
Hello,

The File Open Dialog seems to be an old one. You should be able to type paths that are not valid but sublime to fix the path separator if you typed '/' instead of '\' on Windows. For example opening file at: C:\Folder1/Folder2/Folder3/textfile.txt doesn`t work.
Also alt+v should open the view types, I usually switch to detailed view by using combination cltrl+v then press l and it switches to details view.
Maybe the control is older.
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IntelliSense for jQuery

Dionlee Miguel Uy 12 years ago in Plugin announcements updated by jan otte 12 years ago 2


Since jQuery is very common nowadays, IntelliSense for jQuery would be a good stuff.

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Can't collapse method with big method's header

Evgheny Maslennikov 13 years ago 0
Here is example of C++ code


void myMethod1(const std::vector >& matches1,
               const std::vector >& matches2,
                     std::vector& symMatches) { 
  // Some code of method
  // ...
  // some code
}

If I want to collapse whole method, I get:
void myMethod1(const std::vector >& matches1, ...
  // Some code of method
  // ...
  // some code
}
So, It collapses not the method's body, but method's header
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Only full-scale reform of our energy market will prevent endless price rises

villadsknudsen 11 years ago 0

Politicians thinking aloud achieve nothing. In a complex market dominated by the 'Big 6', we need a co-operative approach.


'There is nothing we can do with today’s UK energy market to stop consumers from being hit by even more unfair price increases.' Photograph: Andrew Milligan/Empics


Britain's energy market is broken. The most recent hike in prices is just the latest sign. There are more to come, and the unedifying thinking aloud from the political establishment is not going to fix it. We need full-scale energy market reform.


A $14 Trillion Extortion for a Global Warming Scam

There is nothing we can do with today's UK energy market to stop consumers from being hit by even more unfair price increases. Just as worryingly, it is impossible to guarantee that the UK's current market and our energy policies will make it possible to meet the demand for affordable energy, which is mushrooming as our economy grows, our population rises. It does not work like that.


The market is complicated. Prices for gas and electricity are affected by myriad subsidies and levies. Because the market for energy is global, our government is not responsible for them all; they are also levied by other countries involved in supplying our energy. Wholesale prices are also pushed up when anything happens to squeeze global supply. There is very little to stop oil- and gas-supplying countries "turning the tap off" if they are tempted to use energy resources as a weapon of diplomacy, for example. But the latest price hikes have not been driven by any of these factors. Wholesale gas prices have hardly risen in the last few years, while consumer prices have kept going up.


Ed Miliband is right to highlight that our energy market is not working in the interests of consumers. Rightly, people are increasingly angry about it. The political responses we have seen simply don't cut it. Miliband's price-fixing policy scam would simply induce a price rise before the next general election and discourage much-needed investment in our ageing, carbon-dependent energy infrastructure. A windfall tax would simply be passed on to consumers, thereby guaranteeing further price hikes. We must – as the prime minister has proposed – look at green levies, but they account for less than 10% of our energy bills, so this alone is not going to address the challenge.


In fact, it is not clear that a true market in energy exists. Fears about an energy oligopoly – a market dominated by a few huge companies – are being replaced by ones of a monopoly as price rises are announced almost simultaneously by the "Big 6" companies. The annual audit of competition the prime minister has proposed is a start, but nowhere near enough. Our hard-pressed consumers, both at home and in business, need a proper, authoritative and independent investigation by the Competition Commission to restore confidence in the energy market.


Looking further ahead, the government's response needs proper thought. We need to act not react. An effective strategy needs to be delivered over years, not months, and nothing must be off the table. Three areas need attention.


Britain needs to take a much longer-term view of how it uses energy. Over the last four decades California's economy has grown eight times without its energy usage increasing. We can do the same here. Our focus needs to be on energy efficiency, not on subsidising intermittent, renewable energy generation. In our increasingly populated and energy-demanding world, wholesale energy prices will not go down any time soon. We must be honest about that and introduce policies which will mitigate the impact of that reality on our lifestyles and our children's future.

In this context, we need to revisit the decarbonisation targets set under the previous government. Not because I believe we should abrogate our climate change responsibilities, but because they are destroying important parts of our economy. If this continues unchecked, there will be one less powerful, democratic nation around to effect beneficial change to the environment. A low-carbon Britain with no jobs and no money will not help save the planet. Real progress on decarbonisation must not undermine our global economic position.


Finally, we need to tackle the current structure of the energy market. The inefficient monolith that was the Central Electricity Generating Board was rightly broken up and privatised in the 1980s, but what replaced it is far from perfect. Six large, foreign (often) state-owned companies took its place, each of which has an uncannily similar structure: a generation company, a trading company (not located in the UK) and a retail company which are all "vertically integrated". This means that they control the whole supply chain and has made it impossible to have real competition. The majority of profits are made out of energy generation and trading (another reason a windfall tax on profits will not work).


We need to consider alternatives. In New York state, for example, a not-for-profit co-operative successfully delivers clean energy to consumers. Energy is a necessity for life, and gas and electricity can only be delivered along existing pipes and wires. Creating competition in a market for just two commodities in a fixed delivery network won't bring prices down much further, even if it succeeds in making the energy generation sector work better. Quite simply, a new, co-operative approach to energy delivery makes common sense.

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Make the sidebar able to be detached from the editors and live on its own for better multi and portrait monitor support and flexibility

David McGuigan 12 years ago 0
Make the sidebar drag and droppable into its own window, also, allow tabbed sidebars for better drive organization.