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Here we analyze the top NFL QB's heading into the 2008-2009 NFL Season and the 2008 NFL Preseason. As you see below, TB heads the list as no surprises followed by Mr. Consistent Peyton Manning. Get your fantasy notes ready, these are your top NFL QB's 2008!




1. Tom Brady, New England: Randy Moss is returning, and his 20-plus touchdowns is the difference between Brady being a top-10 fantasy quarterback and the best one. Add that he's well protected in an extremely pass-heavy offense and will be even more tuned into Moss and Wes Welker in the trio's second year together. Playing in last year's weakest division, Brady threw 21 touchdown passes in five divisional games alone. Give Brady the league's easiest schedule with games against the AFC West and NFC West, and he will have easy scores. As a bonus, his coach likes to go for touchdowns rather than kicking field goals on fourth downs.


Backup: Matt Cassel


2. Peyton Manning, Indianapolis: In his first 10 seasons, Mr. Consistency has started all 160 games, thrown for at least 4,000 yards eight times and passed for at least 26 touchdowns every year. Even though Marvin Harrison has declined, teammate Reggie Wayne has emerged as one of top No. 1 wide receivers. Coupled with reliable tight end Dallas Clark as a third receiver, Anthony Gonzalez is ready to contribute more in his second season. To keep defenses from keying on the pass, Manning counters by utilizing one of the top running backs, Joseph Addai. Ensuing play action results into easy, quick scores from Indy's receivers winning 1-on-1 matchups.


Backup: Jim Sorgi


3. Tony Romo, Dallas: Impressively, he threw for the third-most yards (4,211) and second-most touchdowns (36) in his first full season of starting. He accomplished those feats without a legitimate No. 2 wideout. Still, tight end Jason Witten fits the bill as a top second receiver. He caught the 10th-most passes (96), produced his first 1,000-yard season with the league's 14th-most yards (1,145 yards) and added seven scores. Terrell Owens remains one of the top playmakers, ensuring Romo finishes with a high touchdown total. Watch out if a third receiver emerges to help Romo compete more effectively against the tough secondaries. The Cowboys' powerful offensive line remains intact, affording Romo protection when needed.


Backup: Brad Johnson


4. Ben Roethlisberger, Pittsburgh: The 6-5 quarterback towered over the fantasy competition by throwing for the third-most scores (32). He may be pining for taller wideouts (and was given 6-5 rookie Limas Sweed), but he was effective on the move to orchestrate touchdowns to his undersized receivers Hines Ward and Santonio Holmes. Even so, led by 6-5 Heath Miller, his tight ends combined for 10 scores and provided him the much needed height in the red zone. Though the offensive line remains a question mark with the loss of All-Pro guard Alan Faneca, Roethlisberger's mobility will help him avoid many sacks. Add in a strong running game headed by Willie Parker, and Roethlisberger will be given many chances to score via the pass from play action.


Backup: Charlie Batch


5. Drew Brees, New Orleans: Even in a disappointing Saints' season, Brees sparkled by throwing for the league's second-most yards (4,423), along with 28 touchdowns for the league's sixth most. Led by Marques Colston, his deep rotation of talented wideouts will ensure an entire season of health and productivity for that position. A better running game this season may reduce Brees' league-leading passing attempts, but having a more effective offense can provide increased chances for passing scores. However, New Orleans' shaky defense will still force Brees to pass frequently to keep pace with the scoring.


Backup: Mark Brunell


6. Matt Hasselbeck, Seattle: Though the running game has reshuffled, Hasselbeck's wideouts remain largely intact with the solid trio of Deion Branch (expected to return from ACL injury this season), Bobby Engram and Nate Burleson. An upgraded offensive line will continue to protect Hasselbeck effectively, allowing him to complete a myriad of throws across and down the field. Seattle's well-balanced attack forces defenses to guard both the pass and run equally, creating mismatches for the Seahawks diminutive receivers against slower defenders. Hasselbeck has mastered Mike Holmgren's offense so effectively that he compiled passing career highs of 3,966 yards (eighth best) and 28 touchdowns (sixth best) last year.


Backup: Seneca Wallace




7. Carson Palmer, Cincinnati: Though his passing scores have steadily dwindled from 32 to 26 during the past three seasons, Palmer has increased his yardage in that span to throw for a career-high 4,131 yards last season. Even with declining stats, Chad Johnson forms one of the league's best receiving duos with T.J. Houshmandzadeh, arguably now Cincy's No. 1 receiver. After Rudi Johnson struggled last year, health and stability at running back will reverse the scoring decline and increase Palmer's touchdowns. He'll find more passing lanes in the red zone to connect with Johnson and Houshmandzadeh. If Cincy's defense remains subpar, Palmer will have little choice but to be aggressive in the passing attack.


Backup: Ryan Fitzpatrick




8. Derek Anderson, Cleveland: He emerged as the biggest surprise at quarterback last year, throwing for the league's fifth-most scores (29). Not only do receiving stars Braylon Edwards and Kellen Winslow return, but Cleveland added speedster Donte' Stallworth for a formidable third option in the passing game. And if those receivers are covered, Anderson will have the reliable Joe Jurevicius to catch a first down. In addition, one of the league's top offensive lines returns intact with tackle Joe Thomas and guard Eric Steinbach dominating the left side for a second year together. Bulldozing running back Jamal Lewis will keep defenses occupied defending both the pass and run, allowing Anderson to take advantage of single coverage with his explosive playmakers.


Backup: Brady Quinn




9. Eli Manning, New York Giants: This Super Bowl MVP still has ways to go to be a hero in the fantasy world, but he's built a solid foundation for future stats success. He's thrown for 24, 24 and 23 touchdowns in the last three seasons, but managed only 3,336 yards for the league's 12th most last year. Disturbingly, he had the league's most interceptions (20) last season, but owns the skills and vision to be a proficient fantasy passer. A healthy Plaxico Burress will help greatly with his passing yardage, along with stability at tight end. In his favor, he's durable after he's started every game in the past three seasons. Like David Tyree's great catch, Manning will just need more receivers to step up and catch those passes.
Backup: David Carr


10. Philip Rivers, San Diego: This outspoken, self-assured signal caller has the boisterous confidence and skills to throw for significant passing stats after his game matured in the playoffs. Given a No. 1 wideout in Chris Chambers as a deep threat, Rivers can throw to top tight end Antonio Gates across the middle. Throw in Vincent Jackson as another deep threat, and Rivers has a trio of explosive targets. Since defenses must focus on stopping the dominant LaDainian Tomlinson, they are vulnerable to big passing days by Rivers. Entering his third full season, he's ready to take the next step in fantasy as a weekly starting quarterback.
Backup: Billy Volek


11. Marc Bulger, St. Louis: His durability has come into question after he's missed 12 games in the past three seasons, including four last year. What may be more disconcerting is the collapse of the offensive line and decline of the receiving corps. Whether both units rebound is questionable as the off-season upgrades have been too few. However, Bulger is only two years removed from passing for 4,301 yards and 24 touchdowns in 2006. There may still be hope for owners risking a comeback for the talented but fragile quarterback as a starter.
Backup: Trent Green


12. David Garrard, Jacksonville: He emerged in the season's second half last year, finishing with nine touchdown passes in the last four contests played. His poise in the playoffs indicates he has a bright future. The acquisition of an explosive playmaker in wide receiver Jerry Porter will give Garrard his best No. 1 target yet. Surrounded by a strong offensive line and a potent running back duo of Fred Taylor and Maurice Jones-Drew, Garrard is in a position for more success. However, indicative of Jacksonville's conservative offense, Garrard has never recorded a 300-yard passing game. He owns the skills and acumen to be a fantasy starter and will be productive as long as he's throwing touchdowns.
Backup: Cleo Lemon




13. Donovan McNabb, Philadelphia: His production declined considerably last year after a remarkable first 10 games of the 2006 season. He failed to throw for multiple scores in 11 of his 14 games, relegating him to the fantasy bench for the first time since he was a rookie in 1999. What is equally, if not more worrisome, is his health. He's missed 15 games in the past three seasons, two ended by injuries. He's too much of an injury risk to draft as a starter, especially coupled with his regressing production. Draft him later as a reserve. Assuming good health and his receivers improve, he's a bounce-back candidate to start in fantasy again.
Backups: A.J. Feeley, Kevin Kolb


14. Jon Kitna, Detroit: He's passed for 4,000 yards two years in a row, but the departure of Mike Martz spells doom for his fantasy stats. Expect the Lions to shift from a pass-happy offense to a conservative, run-oriented one that fits coach Rod Marinelli's defense-first approach. In addition, the Lions'porous offensive line allowed Kitna to be sacked the league's most times. However, Kitna will have the services of one of the NFL's top trio of wideouts with Roy Williams, Calvin Johnson and Shaun McDonald. He will still be proficient passing to the enormously talented Williams and Johnson and have a chance to reach 20 touchdowns throwing to the dynamic duo in the red zone. Still, expect his best fantasy seasons to be behind him.
Backups: Drew Stanton, Dan Orlovsky


15. Aaron Rodgers, Green Bay: This former first-round pick learned under Brett Favre for three seasons. He also has the great benefit of playing in an established potent offense that already has a top offensive line, excellent receivers and a strong running game. Even if Rodgers only plays at 80 percent of Favre's production, he will still throw for 3,324 yards and 22 touchdowns. That still merits him as a fantasy backup as the talent thins quickly at quarterback. He showed some mastery of the difficult position when he completed 18-of-26 passes for 201 yards and one touchdown against Dallas in relief of Favre last year. Yet he also has to show he can stay healthy for all 16 games in the rigorous NFL.
Backups: Brian Bohm, Matt Flynn


16. Vince Young, Tennessee: Though he threw for just 2,546 yards and nine touchdowns last year, his rushing totals of 395 yards and three touchdowns was the equivalent of nearly 10 more passing scores. His receiving corps was bolstered by the addition of Alge Crumpler, but he lacks a star No. 1 wideout who can make the tough catch in traffic and be a reliable, consistent target at any point in the game. To his benefit, Young has a strong offensive line to give him ample protection and enough time to make his reads. He will only become better with more experience, but he remains a fantasy backup until he can produce consistent, noteworthy passing outputs.
Backup: Kerry Collins


17. Jason Campbell, Washington: After struggling in his first two seasons with Al Saunders' reputed 700-page playbook, Campbell must learn another system in only his third season. Washington's new coach Jim Zorn and Campbell will be working with a disappointing group of wideouts led by an inconsistent Santana Moss. The running game remains sound with Clinton Portis leading the way, but Campbell has too many obstacles blocking his path to fantasy success next season.


Backup: Todd Collins




18. Jay Cutler, Denver: Despite Denver's struggles last season, Cutler still managed to throw for nearly 3,500 yards and 20 touchdowns largely without the services of No. 1 wideout Javon Walker. The good news is that Brandon Marshall emerged to become a legitimate first receiver and a big playmaker. Add in promising Tony Scheffler at tight end and experienced Brandon Stokley as a third receiver, and Cutler will have enough viable targets to complete throws downfield. Denver's running game promises to be dynamic and provides another explosive playmaker for Cutler. The strong-armed signal-caller will only improve his judgment and accuracy after enduring his first full season of hard knocks.


Backup: Patrick Ramsey




19. Jake Delhomme, Carolina: His best fantasy days reside in the past instead of the future. He's also a big injury risk after playing only three games last year. He once threw for 3,886 yards and 29 touchdowns in 2004, but Carolina's anemic running game and lackluster receiving corps will make it difficult to reach those marks again. Muhsin Muhammad and D.J. Hackett offer promise to be competent wideouts next to Steve Smith, but both have pressing questions of age and durability, respectively.


Backups: Matt Moore, Brett Basanez


20. Matt Leinart, Arizona: This outspoken, brash quarterback has shown flashes of brilliance, throwing for a rookie single-game record of 405 yards in 2006. However, injuries have ended both of his seasons early. He separated his throwing shoulder in Week 16 of his rookie year and broke his left collarbone last year to miss the final 11 games. On the plus side, it's easier to accumulate significant yardage totals passing to the dynamic duo of Larry Fitzgerald and Anquan Boldin. If he wins the starting job entering the season, his stock jumps greatly with the potential to start in fantasy. However, his fragility may curtail his season early once again.


Backup: Kurt Warner


21. Kurt Warner, Arizona: Of course, if Warner is Arizona's starting quarterback to start the season, he becomes a fantasy starter. But the financial and long-term commitment to Leinart may force Warner to the bench early. In addition, Warner is fragile, having missed 44 games from 2002-06. But Leinart has also shown to be injury-prone early in his career, missing 12 games in two years. Still, if Warner plays, he will be throwing to one of the league's top duos in Fitzgerald and Boldin. Warner had four 300-yard passing days in the last six games, including a 484-yard day against San Francisco. He also finished the season with four straight three-touchdown passing games. So his ceiling is high if given the chance. He may not finish with the high passing totals of a fantasy starter, but he can offer starter's value by points per game.


Backup: Matt Leinart


22. Tavaris Jackson, Minnesota: While he failed to even reach 2,000 yards and double-digit touchdowns in passing, Jackson had one of the league's worst receiving groups. Though he was expensive, free-agent acquisition Bernard Berrian is an immediate upgrade and provides Jackson with his first viable No. 1 receiver. He's an excellent deep threat and will have numerous chances to outrun single coverage on long throws for touchdowns, taking advantage of Jackson's strong arm. In addition, a potent running attack led by wondrously talented Adrian Peterson will force safeties to help defend the run instead of the pass. If Jackson can mature quickly and make decisive, quality throws, he can emerge as a strong sleeper.


Backups: Gus Frerotte, John David Booty


23. Jeff Garcia, Tampa Bay: Though he led Tampa Bay to the playoffs, Garcia was largely unremarkable as a fantasy quarterback. He passed for just 2,440 yards and 13 touchdowns last year, hardly stats worthy of a place in the starting lineup. In addition, Garcia has only one legitimate wideout, Joey Galloway. Worse yet, this deep threat is already 36 and is a concern to slow down. Garcia will be helped by a strong group of running backs, but his lack of proven, quality wideouts will be his biggest downfall.


Backups: Brian Griese, Luke McCown


24. Matt Schaub, Houston: While he can produce passing games of 300 yards or multiple scores, they are too few and far. Moreover, he's been bitten by the injury bug in his first season as a starter, missing 11 games. What bodes well for his future is throwing to star No. 1 wideout and gamebreaker Andre Johnson. He also has other quality receivers, but needs to be supported by a better running game. Currently, too many questions envelope Schaub before he can become a legitimate fantasy starter.


Backup: Sage Rosenfels, Quinn Gray


25. Kellen Clemens, New York Jets: Despite riding the wave of public momentum, Clemens disappointed in his first season of extensive playing time. He surpassed 250 yards just twice and failed to throw for multiple scores in eight starts. Boding well for his future, though, is the talented receiving duo of Laveranues Coles and Jerricho Cotchery. Free-agent addition of All-Pro guard Alan Faneca bolsters the young offensive line, helping improve the prospects of the Jets' dismal running game. Still, Clemens has yet to show he can compile big passing days, so he's better left undrafted until those days arrive.


Backups: Chad Pennington, Erik Ainge


26. JaMarcus Russell, Oakland: He's very raw but has the enormous talent to make an impact in the fantasy world. New acquisition Javon Walker becomes paired with incumbent Ronald Curry, offering two talented targets for Russell in his second season. However, his mechanics must improve from his rookie year to provide a realistic chance of producing proficient passing days. Yet Russell's running ability will be a bonus for fantasy owners if he can achieve competent passing days.


Backup: Andrew Walter


27. Trent Edwards, Buffalo: He only reached 200 passing yards twice and went scoreless in seven of 10 games. Coach Dick Jauron isn't known for producing prodigious passing attacks. Instead, he relies heavily on running, espouses a turnover-free passing game and promotes a stiff defense to keep the games low scoring. Outside of Lee Evans, Buffalo's veteran receivers are unspectacular and offer little big-play ability. Better to let Edwards show first if he can pass for big passing days before spending a pick.


Backup: J.P. Losman


28. Alex Smith, San Francisco: Entering his third season, Smith was full of promise and ready to take the next step. But his play collapsed, and he battled injuries before his season ended with a separated shoulder after playing in only seven games. Now pass-happy Mike Martz has entered the picture, and the 49ers' offense could be revitalized. Still, Smith must win the starting job first, then work with an underwhelming group of wideouts. Acquisition Isaac Bruce adds experience, but the rest of the receivers are unproven. Even multi-talented tight end and former first-rounder Vernon Davis has disappointed. If Smith fixes his mechanics and receives better protection, he could be a waiver-wire find after the season starts.


Backup: Shaun Hill


29. Brodie Croyle, Kansas City: He reached 200 yards and recorded multiple touchdowns only once last year. He has to progress quickly to become a fantasy factor. In his favor, Croyle can pass to the NFL's most proficient tight end in history (Tony Gonzalez) and last year's top rookie wide receiver (Dwayne Bowe). Running back Larry Johnson is also a dangerous receiver. But he'll need to be protected by a rebuilt offensive line and learn quickly to compensate for last year's shortcomings.


Backup: Damon Huard




30. Rex Grossman, Chicago: He shined for a part of 2006 when he passed for 18 touchdowns in seven games. But he started last season continuing his woes by throwing six interceptions with just one touchdown in the first three games. Now he's had his starting two receivers, Berrian and Muhammad, taken away without any strong, veteran replacements returning. He'll have to hope that at least one of free-agent acquisitions Marty Booker and Brandon Lloyd can emerge and produce like a No. 1 receiver. Until he performs admirably again, Grossman will remain waiver-wire fodder.

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I recently moved over a hundred miles from a town I lived in for the last 24 years.  There I had my favorite place and places to play pool. Most of them were bars where they have two to four billiards tables and one or more league teams to play on.  To me, a place that has a name referencing pool and billiards, for instance, Billiards Emporium, Bit OBilliards or the Billiard Room (I made these up just to give you an idea), and has six or more billiards tables is a Billiards Parlor.  When I moved here to Pueblo, Colorado over a year ago I saw one of these places while driving in my car, it had a huge banner announcing Saturday Pool Tournaments. So of course one Saturday I went down there and joined in the tournament to check the place out and check out the action.
It was very laid back and the people were nice and friendly and serious pool players.  Most of them, I noticed, did not drink alcohol right away but waited until the tournament was about half way through before partaking. They were very good about going over the particular billiards rules and patient with anyone not familiar with them. It was definitely a competitive atmosphere where people are there to put there best skills to the test and not just to get drunk and play pool. Although a good time is had by all because we are all participating in our favorite sport.
In summary, its a place where the sights, sounds and people are familiar and welcoming.  The sight of the billiards tables all lined up in rows, the sound of the breaking of the pool balls, and everyone greeting each other and exchanging tips and tricks and joking around and razzing each other about past blunders or recalling past victories and amazing shots.  The interaction among billiards pool players is really cool and I am really glad to be one of them! After going a few times I noticed that just like most places, the people there all know each other and now they know me too, which makes it my favorite Billiards Parlor.

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I recently moved over a hundred miles from a town I lived in for the last 24 years.  There I had my favorite place and places to play pool. Most of them were bars where they have two to four billiards tables and one or more league teams to play on.  To me, a place that has a name referencing pool and billiards, for instance, Billiards Emporium, Bit OBilliards or the Billiard Room (I made these up just to give you an idea), and has six or more billiards tables is a Billiards Parlor.  When I moved here to Pueblo, Colorado over a year ago I saw one of these places while driving in my car, it had a huge banner announcing Saturday Pool Tournaments. So of course one Saturday I went down there and joined in the tournament to check the place out and check out the action.
It was very laid back and the people were nice and friendly and serious pool players.  Most of them, I noticed, did not drink alcohol right away but waited until the tournament was about half way through before partaking. They were very good about going over the particular billiards rules and patient with anyone not familiar with them. It was definitely a competitive atmosphere where people are there to put there best skills to the test and not just to get drunk and play pool. Although a good time is had by all because we are all participating in our favorite sport.
In summary, its a place where the sights, sounds and people are familiar and welcoming.  The sight of the billiards tables all lined up in rows, the sound of the breaking of the pool balls, and everyone greeting each other and exchanging tips and tricks and joking around and razzing each other about past blunders or recalling past victories and amazing shots.  The interaction among billiards pool players is really cool and I am really glad to be one of them! After going a few times I noticed that just like most places, the people there all know each other and now they know me too, which makes it my favorite Billiards Parlor.

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There was a time many years ago when a company could be paid out on an insurance claim for no reason, other than for being a good and loyal client to the insurance company. Whilst it is possible that even today an insurance company could make a commercial decision when considering a claim from a very large client, many companies are at risk of having claims repudiated.
When a vehicle is on contract hire, the contract hire company owns the vehicle but the hirer insures it. Therefore when an insurance company refuses to pay a claim, the hirer becomes responsible and contract hire companies are seeing this happen more frequently. In the case of minor accidents, insurance companies rarely look too closely at the circumstances. However in the event of a serious accident, it makes very sound financial sense for the insurance company to examine the circumstances of the accident and take a close look at the driver. An insurance company is answerable to its shareholders and its shareholders would not appreciate it paying out claims when it has good grounds for refusing to do so.
A motor insurance companys terms and conditions will normally state that a vehicle should comply with the manufacturers specifications; if the vehicle is modified by the driver it is essential to inform the insurance company, otherwise it can invalidate the insurance. For this reason it is always advisable to fit the manufacturers recommended tyres. It is important to advise employees that they must not make any changes to their company vehicle. It has been known for employees to do what is called the engine of their company vehicle. This increases the power of the engine and could, if they had not been notified, give an insurer a very valid reason for refusing pay out on a claim. It is worth bearing in mind that this can also invalidate the manufacturers warranty and potentially cause a problem with the contract hire company; a vehicle without a manufacturers warranty does not have the same value as one that does.
The vehicle must also be roadworthy to comply with the insurance companys terms and conditions. Contract hire vehicles, as most company car are nowadays, are generally relatively new and regularly serviced. If however a company runs its own vehicles and keeps them for perhaps four or five years, then the condition of the cars needs to be monitored more closely, particularly if they are doing high mileage.
It is not only lack of maintenance that can cause a vehicle to be un roadworthy, it can often be a failing on the part of the driver; incorrect tyre pressure is the most common reason. Driving with the tyres incorrectly inflated can be very dangerous, particularly if the roads are wet. If one of the company vehicles is in an accident and the accident is of a serious nature, then the insurance company will normally check the vehicles roadworthiness. Of course if another motorist were clearly at fault then the insurer would have no reason to check the condition of the vehicle.
If an accident happens under different circumstances, for example where an employees car crashes on a bend or skids out of control and causes the accident, then it is quite reasonable that the insurance company will want to ensure that the vehicle was in a roadworthy condition. Incorrect tyre pressure is one of the most common causes of newer cars being un- roadworthy. Employers should advise their employees that tyre pressures need to be checked regularly. This is best done in the morning whilst the tyres are still cold. Another good reason for ensuring that tyre pressures are correct is that it can significantly reduce the companys fuel bill.
It is also important that tyre wear is regularly monitored to ensure that tyres do not go below the legal limit; with servicing intervals at 18,000 miles and more, one cannot rely on being advised during servicing, that it is necessary to consider changing tyres. Having tyres that are below the legal limit is not maintaining a car in a roadworthy condition. Sometimes only part of the tyre is worn; running the car with the incorrect tyre pressure can cause this.
A risk to the companys insurance cover that is often overlooked by companies is when employees drive their company cars whilst having exceeded the legal limit of alcohol consumption. The risk is higher outside of office hours, when employees stop for a drink on their way home, or at weekends. Whilst it may be outside office hours, it is still the companys vehicle and insurance. It was revealed in a study in 1998 that in 10% of motorcycle accidents where there was a fatality and 19% of fatal car accidents, alcohol was involved. It seems extraordinary that even today with all the increased publicity, there are drivers who believe their driving skills are enhanced following alcohol consumption.
The same will apply if the employee is under the influence of drugs. The company should also take into account that an employee may be taking a prescription drug that could affect their ability to drive safely. It would perhaps not be unreasonable for a company to check with an employee if they feel this could be the case. With the new legislation that comes into force in April 2008, the company is responsible for ensuring that its employees are safe when driving on company business.
Negligence is another area where an insurance company will often refuse to pay out. This is quite understandable because when an insurance company agrees to take on a risk, they will not have allowed for the risk of an opportunistic thief taking advantage of a drivers negligence; where they leave their keys in the car whilst they pay for their petrol, or if they leave it parked on the road, or on their drive with the engine running. In spite of the risks, many company car drivers do this in the winter, so that the heating works as soon as they get into the car. Many have found themselves having to explain to their employer, that the car was gone when they came out of their house.
It is important to ensure that all your drivers have a current driving license and that previous convictions like drink driving, if required by the insurer, have been declared. Some employers have never seen more that a photocopy of their employees driving licence, others take a photocopy of the original and hold it on file. This is very unsatisfactory from the companys point of view. There have been cases of it emerging after an accident that the employee was driving whilst disqualified.
If a companys vehicles are sourced through a broker, the larger and well established contract hire brokers are able to offer a service where they regularly check the employees driving licences. They can be checked when they are first employed and then at regular intervals, to make sure there are no new convictions. Once employees are aware this system is in place they are much more likely to come forward and declare a new conviction. Apart from protecting the company as far as its insurance is concerned; it also affords it protection from prosecution under the new legislation.
If an insurer refuses to pay out on a claim, one should not be necessarily assume that they are correct in doing so. There is the Financial Ombudsman that will deal with any complaints or disputes in this respect. In a case we are aware of, one of our clients had his vehicle carjacked, the insurance company refused to pay out the claim of 60,000, because they said that they had written to him on a number of occasions telling him that he must fit Tracker to the vehicle, which he had not done. They argued that had tracker been fitted, the vehicle might have been recovered. However when an expert was called in on behalf of the client, things changed. Our understanding is that the expert stated that whilst the insurer had indeed written to the client with regard to Tracker, they had not at any time told him he would be uninsured without it. The claim was settled.
In summary it can help to avoid claims being declined by observing the following: Ensure that the vehicle is properly and regularly maintained; Tyre pressures should be checked at least every two weeks, preferably when cold; No modifications should be made to a vehicle, without informing the insurance company; Drivers must take action if a warning light is illuminated; Employees should be warned of the dangers of driving whilst in excess of the legal limit for alcohol consumption; Drugs, including prescription drugs, can affect a drivers ability to drive safely. Drug testing is now used by some companies, up to 80% of large US companies test for drugs, although there are concerns regarding false positives; Vehicles should never be left unattended, with the engine running; Use one of the specialist companies or a contract hire broker to regularly check employees driving licences. Observing these points will at least help to avoid motor insurance claims being repudiated
Negligence is a major factor when motor insurance companies refusing to pay claims. There was a reported case in the United States, apparently perfectly true, where the purchaser of a new motor home set out on a journey and after setting the vehicle to cruise control, went to the back of the vehicle to fix himself a drink. Understanding that cruise control meant the vehicle would drive itself. Not surprisingly it crashed. Of course being America he was able to sue the manufacturer for not telling him that, cruise control doesnt work like that.

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Billiards Parlor is not a term which we hear very often. In my world we use the name pool hall most often. Sometimes we just call it a bar.
Does the name used depend on the time of day or night, purpose of the visit or whether partying or playing pool is the main objective?
We have a league match tonight and we play in an establishment known as Diamond Jims. This is strictly a bar / tavern downstairs (ground level). Upstairs there are 6, 7 Foot Diamond Billiard Tables.
Downstairs is definitely a bar and upstairs could be called a pool hall or billiard parlor. Sometimes we just call it Jimmys Joint. Most times we go there to play pool. On occasion however I have been known to join a few2 select friends there just for the purpose of drinking.
Its funny how playing pool seems to happen naturally when you begin consuming alcohol around a pool table. Have you noticed that everyone get a little more confident when they have a few drinks?
When this drinking and playing pool phenomenon occurs, there can be a nice financial reward in place for the more skilled billiards player. Many players get over confident and want to wager on their matches. I love when I am the guy they want to play.
The next time you are heading for the pool hall, refer to it as the billiards parlor and see if you get a strange reaction from any of your friends or associates. Keep an eye open for the easy money and over confident drinkers.

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Tonight, after fifty-four hard-fought contests, our primary season has finally come to an end.
Sixteen months have passed since we first stood together on the steps of the Old State Capitol in Springfield, Illinois. Thousands of miles have been traveled. Millions of voices have been heard. And because of what you said because you decided that change must come to Washington; because you believed that this year must be different than all the rest; because you chose to listen not to your doubts or your fears but to your greatest hopes and highest aspirations, tonight we mark the end of one historic journey with the beginning of another a journey that will bring a new and better day to America. Tonight, I can stand before you and say that I will be the Democratic nominee for President of the United States.
I want to thank every American who stood with us over the course of this campaign through the good days and the bad; from the snows of Cedar Rapids to the sunshine of Sioux Falls. And tonight I also want to thank the men and woman who took this journey with me as fellow candidates for President.
At this defining moment for our nation, we should be proud that our party put forth one of the most talented, qualified field of individuals ever to run for this office. I have not just competed with them as rivals, I have learned from them as friends, as public servants, and as patriots who love America and are willing to work tirelessly to make this country better. They are leaders of this party, and leaders that America will turn to for years to come.
That is particularly true for the candidate who has traveled further on this journey than anyone else. Senator Hillary Clinton has made history in this campaign not just because she's a woman who has done what no woman has done before, but because she's a leader who inspires millions of Americans with her strength, her courage, and her commitment to the causes that brought us here tonight.
We've certainly had our differences over the last sixteen months. But as someone who's shared a stage with her many times, I can tell you that what gets Hillary Clinton up in the morning even in the face of tough odds is exactly what sent her and Bill Clinton to sign up for their first campaign in Texas all those years ago; what sent her to work at the Children's Defense Fund and made her fight for health care as First Lady; what led her to the United States Senate and fueled her barrier-breaking campaign for the presidency an unyielding desire to improve the lives of ordinary Americans, no matter how difficult the fight may be. And you can rest assured that when we finally win the battle for universal health care in this country, she will be central to that victory. When we transform our energy policy and lift our children out of poverty, it will be because she worked to help make it happen. Our party and our country are better off because of her, and I am a better candidate for having had the honor to compete with Hillary Rodham Clinton.
There are those who say that this primary has somehow left us weaker and more divided. Well I say that because of this primary, there are millions of Americans who have cast their ballot for the very first time. There are Independents and Republicans who understand that this election isn't just about the party in charge of Washington, it's about the need to change Washington. There are young people, and African-Americans, and Latinos, and women of all ages who have voted in numbers that have broken records and inspired a nation.
All of you chose to support a candidate you believe in deeply. But at the end of the day, we aren't the reason you came out and waited in lines that stretched block after block to make your voice heard. You didn't do that because of me or Senator Clinton or anyone else. You did it because you know in your hearts that at this moment a moment that will define a generation we cannot afford to keep doing what we've been doing. We owe our children a better future. We owe our country a better future. And for all those who dream of that future tonight, I say let us begin the work together. Let us unite in common effort to chart a new course for America.
In just a few short months, the Republican Party will arrive in St. Paul with a very different agenda. They will come here to nominate John McCain, a man who has served this country heroically. I honor that service, and I respect his many accomplishments, even if he chooses to deny mine. My differences with him are not personal; they are with the policies he has proposed in this campaign.
Because while John McCain can legitimately tout moments of independence from his party in the past, such independence has not been the hallmark of his presidential campaign.
It's not change when John McCain decided to stand with George Bush ninety-five percent of the time, as he did in the Senate last year.
It's not change when he offers four more years of Bush economic policies that have failed to create well-paying jobs, or insure our workers, or help Americans afford the skyrocketing cost of college policies that have lowered the real incomes of the average American family, widened the gap between Wall Street and Main Street, and left our children with a mountain of debt.
And it's not change when he promises to continue a policy in Iraq that asks everything of our brave men and women in uniform and nothing of Iraqi politicians a policy where all we look for are reasons to stay in Iraq, while we spend billions of dollars a month on a war that isn't making the American people any safer.
So I'll say this there are many words to describe John McCain's attempt to pass off his embrace of George Bush's policies as bipartisan and new. But change is not one of them.
Change is a foreign policy that doesn't begin and end with a war that should've never been authorized and never been waged. I won't stand here and pretend that there are many good options left in Iraq, but what's not an option is leaving our troops in that country for the next hundred years especially at a time when our military is overstretched, our nation is isolated, and nearly every other threat to America is being ignored.
We must be as careful getting out of Iraq as we were careless getting in - but start leaving we must. It's time for Iraqis to take responsibility for their future. It's time to rebuild our military and give our veterans the care they need and the benefits they deserve when they come home. It's time to refocus our efforts on al Qaeda's leadership and Afghanistan, and rally the world against the common threats of the 21st century terrorism and nuclear weapons; climate change and poverty; genocide and disease. That's what change is.
Change is realizing that meeting today's threats requires not just our firepower, but the power of our diplomacy tough, direct diplomacy where the President of the United States isn't afraid to let any petty dictator know where America stands and what we stand for. We must once again have the courage and conviction to lead the free world. That is the legacy of Roosevelt, and Truman, and Kennedy. That's what the American people want. That's what change is.
Change is building an economy that rewards not just wealth, but the work and workers who created it. It's understanding that the struggles facing working families can't be solved by spending billions of dollars on more tax breaks for big corporations and wealthy CEOs, but by giving a the middle-class a tax break, and investing in our crumbling infrastructure, and transforming how we use energy, and improving our schools, and renewing our commitment to science and innovation. It's understanding that fiscal responsibility and shared prosperity can go hand-in-hand, as they did when Bill Clinton was President.
John McCain has spent a lot of time talking about trips to Iraq in the last few weeks, but maybe if he spent some time taking trips to the cities and towns that have been hardest hit by this economy cities in Michigan, and Ohio, and right here in Minnesota he'd understand the kind of change that people are looking for.
Maybe if he went to Iowa and met the student who works the night shift after a full day of class and still can't pay the medical bills for a sister who's ill, he'd understand that she can't afford four more years of a health care plan that only takes care of the healthy and wealthy. She needs us to pass health care plan that guarantees insurance to every American who wants it and brings down premiums for every family who needs it. That's the change we need.
Maybe if he went to Pennsylvania and met the man who lost his job but can't even afford the gas to drive around and look for a new one, he'd understand that we can't afford four more years of our addiction to oil from dictators. That man needs us to pass an energy policy that works with automakers to raise fuel standards, and makes corporations pay for their pollution, and oil companies invest their record profits in a clean energy future an energy policy that will create millions of new jobs that pay well and can't be outsourced. That's the change we need.
And maybe if he spent some time in the schools of South Carolina or St. Paul or where he spoke tonight in New Orleans, he'd understand that we can't afford to leave the money behind for No Child Left Behind; that we owe it to our children to invest in early childhood education; to recruit an army of new teachers and give them better pay and more support; to finally decide that in this global economy, the chance to get a college education should not be a privilege for the wealthy few, but the birthright of every American. That's the change we need in America. That's why I'm running for President.
The other side will come here in September and offer a very different set of policies and positions, and that is a debate I look forward to. It is a debate the American people deserve. But what you don't deserve is another election that's governed by fear, and innuendo, and division. What you won't hear from this campaign or this party is the kind of politics that uses religion as a wedge, and patriotism as a bludgeon that sees our opponents not as competitors to challenge, but enemies to demonize. Because we may call ourselves Democrats and Republicans, but we are Americans first. We are always Americans first.
Despite what the good Senator from Arizona said tonight, I have seen people of differing views and opinions find common cause many times during my two decades in public life, and I have brought many together myself. I've walked arm-in-arm with community leaders on the South Side of Chicago and watched tensions fade as black, white, and Latino fought together for good jobs and good schools. I've sat across the table from law enforcement and civil rights advocates to reform a criminal justice system that sent thirteen innocent people to death row. And I've worked with friends in the other party to provide more children with health insurance and more working families with a tax break; to curb the spread of nuclear weapons and ensure that the American people know where their tax dollars are being spent; and to reduce the influence of lobbyists who have all too often set the agenda in Washington.
In our country, I have found that this cooperation happens not because we agree on everything, but because behind all the labels and false divisions and categories that define us; beyond all the petty bickering and point-scoring in Washington, Americans are a decent, generous, compassionate people, united by common challenges and common hopes. And every so often, there are moments which call on that fundamental goodness to make this country great again.
So it was for that band of patriots who declared in a Philadelphia hall the formation of a more perfect union; and for all those who gave on the fields of Gettysburg and Antietam their last full measure of devotion to save that same union.
So it was for the Greatest Generation that conquered fear itself, and liberated a continent from tyranny, and made this country home to untold opportunity and prosperity.
So it was for the workers who stood out on the picket lines; the women who shattered glass ceilings; the children who braved a Selma bridge for freedom's cause.
So it has been for every generation that faced down the greatest challenges and the most improbable odds to leave their children a world that's better, and kinder, and more just.
And so it must be for us.
America, this is our moment. This is our time. Our time to turn the page on the policies of the past. Our time to bring new energy and new ideas to the challenges we face. Our time to offer a new direction for the country we love.
The journey will be difficult. The road will be long. I face this challenge with profound humility, and knowledge of my own limitations. But I also face it with limitless faith in the capacity of the American people. Because if we are willing to work for it, and fight for it, and believe in it, then I am absolutely certain that generations from now, we will be able to look back and tell our children that this was the moment when we began to provide care for the sick and good jobs to the jobless; this was the moment when the rise of the oceans began to slow and our planet began to heal; this was the moment when we ended a war and secured our nation and restored our image as the last, best hope on Earth. This was the moment this was the time when we came together to remake this great nation so that it may always reflect our very best selves, and our highest ideals. Thank you, God Bless you, and may God Bless the United States of America.

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Greece is famous for hosting the Olympics, but they also have many other things to offer visitors, including science, drama, philosophy, and art. Fifteen million tourists take a Greece vacation every single year. When taking a holiday in Greece, you will find that most of the attractions are centered in Athens, but there are outside areas that offer you just as much to look at. Here are some things that you should be sure to see when you discover Greece.
1. Acropolis. This is the most famous attraction in Greece, so you will want to be sure to add it to your list first when you discover Greece. You will be in awe of the retelling of the Olympian legends and the stunning majesty of the Parthenon.
2. Ancient Agora. Below the Acropolis, you will find these ruins where philosophy greats Socrates and Plato taught and talked. On the western hill of the site, you will find the Temple of Hephaestos. There are even some trees and shrubs that are just as old as the ruins in this area.
3. Athens helicopter tour. On your holiday in Greece, you can board a helicopter and fly over the major spots. This can give you an unusual view of the attractions and it will only take about 30 minutes. This is a great way to get some unique pictures that you will enjoy.
4. Hellenic National League football game. This is called soccer in the United States, but it is football all over the rest of the world. This game is a fun and rowdy way to see how the locals cheer their favorite team on and is an activity that you do not want to miss.
5. Athens Marathon. If you happen to take a Greece vacation during the month of November, then you can sign up to run in the Athens Marathon. It follows the same path as the Olympic marathon that was run. What a fun and exciting activity for you to do!
6. Volunteer. Many organizations need your help to do projects all over Greece. These include the ARCHELON Sea Turtle Society. Look online and see if there are some opportunities to use your talents and skills on your vacation in Greece.
7. National Archaeological Museum. Schliemanns Agamemnon is displayed here. It is thought to be the death mask of the king that dates back to the 16th century B.C. The controversy comes in due to the fact that the Trojan War did not start until the 20th century, which would mean that the mask is not Agamemnons at all. People still flock to this museum to see the ancient artifacts, however.
8. Hiking the Vindos Gorge. The Guinness Book of World Records has named this gorge as the deepest one in the world. You will find unique plants and trees on your hike down into the canyon. It may be hot and humid when you begin your hike, but it will get cooler when you begin to go down into the canyon, due to the fact that the cliffs shade you from the sun.
9. Crete beaches. The German and British people have long enjoyed the beaches in Crete. You will find that the nightlife in this country is very wild and exciting. The refreshing Mediterranean breeze will add to the relaxing feel of these beautiful beaches.
10. Rockwave Festival. This music festival lasts for three days and features many different artists and bands that perform. There are different stages for different musical genres, including blues, dance music, and more. This can be the perfect top off to the historical knowledge that you have learned.
Being very passionate about Spain, Clinton Maxwell edited quite a few web pages in this specific area.

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Many of my Thursday nights were spent (literally) in this joint when I lived on Market St above the Parlor of Porn. It was the kind of pool hall you don't see anymore, and you wont see anymore -- because it has closed its doors for good.

It is said to have been one of the oldest pool halls in The City -- opening its doors in the 50s -- when Mid-Market was full of legitimate movie houses. It was at one time home to some of The Bay Area's most infamous hustlers, con men, and general transient lurkers. Regulars included Mark the Snake, Philippine Jean, Sawdust Sam, Poker Paul, and Charlie Bucket.

Seedy, dark, old, and gone -- Hollywood Billiards at 61 Golden Gate.

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