Monthly Archives: December 2011

Why Do Some People Sleep More Than Others?

We all love our sleep, especially me, but why do most of us sleep more than we should? Turns out some people may be genetically inclined to need longer hours of sleep, a new study has found. Experts found those with the gene ABCC9 need around 30 minutes more sleep per night than those without it.

Over 10,000 people from different parts of Europe took part in the study, each reporting how long they slept and providing a blood sample for DNA analysis.

When the researchers from the University of Edinburgh and Ludwig Maximilians University in Munich compared these figures with the results of the genetic analysis, they found those with a variation of a gene ABCC9 needed more sleep than the eight-hour average.

The gene ABCC9 is involved in sensing energy levels of cells in the body.

“A tendency to sleep for longer or shorter periods often runs in families despite the fact that the amount of sleep people need can be influenced by age, latitude, season and circadian rhythms,” quoted Dr Jim Wilson, from the University of Edinburgh’s Centre for Population Health Sciences. Now I understand why my dad was always sleeping until noon when I was a kid. I guess laziness also runs in the family :/

These insights into the biology of sleep will be important in unraveling the health effects of sleep behavior.

The study will be published in the journal Molecular Psychiatry.

Source: Washington Post

Is Hell Exothermic or Endothermic?

This is a classic joke which is not only funny but intelligent as well. The source for the joke is unknown but enjoy.

A thermodynamics professor had written a take home exam for his graduate students. It had one question:

“Is Hell exothermic (gives off heat) or endothermic (absorbs heat)? Support your answer with a proof.”

Most of the students wrote proofs of their beliefs using Boyle’s Law (gas cools off when it expands and heats up when it is compressed) or some variant.

One student, however, wrote the following: “First, we need to know how the mass of Hell is changing in time. So, we need to know the rate that souls are moving into Hell and the rate they are leaving. I think that we can safely assume that once a soul gets to Hell, it will not leave. Therefore, no souls are leaving. As for how many souls are entering Hell, let’s look at the different religions that exist in the world today. Some of these religions state that if you are not a member of their religion, you will go to Hell. Since there are more than one of these religions and since people do not belong to more than one religion, we can project that all people and all souls go to Hell. With birth and death rates as they are, we can expect the number of souls in Hell to increase exponentially. Now, we look at the rate of change of the volume in Hell because Boyle’s Law states that in order for the temperature and pressure in Hell to stay the same, the volume of Hell has to expand as souls are added.This gives two possibilities:

1. If Hell is expanding at a slower rate than the rate at which souls enter Hell, then the temperature and pressure in Hell will increase until all Hell breaks loose.

2. Of course, if Hell is expanding at a rate faster than the increase of souls in Hell, then the temperature and pressure will drop until Hell freezes over.

So which is it? If we accept the postulate given to me by Ms. Therese Banyan during my Freshman year, ‘That it will be a cold night in Hell before I sleep with you,’ and take into account the fact that I still have not succeeded in having sexual relations with her, then 2 cannot be true, and so Hell is exothermic.”

This student got the only A.

I love it when people think outside the box. If you have funny jokes of your own, don’t hesitate to share.

FaceBook Chat Just Got Better

Be honest: has Facebook chat ever been your favorite form of instant messaging? For many of us, Gchat, Skype or even AIM are our preferred defaults. Now, a new gimmick is making us like Facebook’s built-in chat function a whole lot more. As demonstrated in the photo above, you can make the profile pictures of Facebook users and pages show up inside your chat windows.

Here’s how:

1. Start chatting with someone (pretty simple).

2. When you’d like to refer to a mutual friend or, say, Coca Cola, you dump their profile id (either their name or a string of numbers for those users who haven’t claimed their choice URL) into double brackets. So, that would be [[cocacola]] for a picture of Coke, [[zuck]] for Mark Zuckerberg and [[mashable]] for the logo of where your learned about this new feature, and so on.

3. Amaze everyone on Facebook chat with this cool new gimmick.


What do you think, will inserting your friend’s faces bring the end of the emoticon era, or will the Internet forever be dominated by the 🙂 face?


What is Dwelling Insurance?

Dwelling insurance is the portion of your home insurance policy that only covers the cost of rebuilding or repairing your home in the event that it is damaged or lost in a covered peril such as wind, hail, lightening or fire. It doesn’t cover any surrounding property or any personal items contained inside the house. Some companies sell Landlords these policies since it protects them from loss of income due to damages to the house. If you own more than one property, dwelling coverage can be very cost effective.

Separate policies are needed for damages and losses caused by earthquake and flood insurance as these are not covered under standard home insurance policies.

The amount of dwelling coverage that you should purchase should be enough to cover the cost of rebuilding your home in the event of a complete loss. Do not confuse this amount with the market value of your home, as the market value includes the value of your land. Remember that in the event of a disaster, your land will not be lost, only the buildings that stand on it.

To determine the replacement value of your home, check out Home Insurance Calculator, provided by


Floridians Seeking Nudist Vacationers

Yes, that’s right, I said nudist vactioners. Usually when towns want some attraction, they set up memorable events or get creative in a unique way but to actually want to attract German nudists in their community, what are they thinking?

A West Florida community is spending $3,800 in tax dollars to entice naked Europeans to spend their vacations there. Good to know that the tax dollars are being spent wisely. The advertising grant was awarded Tuesday by the Pasco County commission to Pandabare, a local nudist organization representing 16 resorts, campgrounds and clubs located in the largely rural county north of Tampa.

The ads, to be placed in European publications, will promote the county’s longstanding reputation as the nudist capital of America. And we wonder why foreigners think we are so weird.

Public communications manager for the Pasco County tourist development agency, Eric Keaton said, “The idea is to create a Euro-bird season in July and August which are our worst two months of the year. Nudism contributes to the county’s economy.” So, why choose the worst two months if you’re trying to impress the Europeans? You wouldn’t serve your guests spam and cup noodles if you want to make a good impression, would you? Same thing should apply here. If Florida’s community needs to make a better impression for their visitors, shouldn’t they have picked better months?

The first target market for the ad campaign will be Germany which, according to Pandabare’s application, is “a large and lucrative market whose millions of nudists are among the world’s most prolific travelers.” Those Germans are well known for their sausages after all, pun intended. The group also anticipates a campaign aimed at British nudists. Like we don’t have enough nudist of our own that we need to invite others from different countries.

The ads are supposedly funny and are set to launch in 2012. Can’t wait to see how those ads turned out. There better be some good looking nudist too and not just overweight and hairy men. We’ve got plenty of those here alrady, don’t need any more to show up.

What are your thoughts on this topic?

Health Rankings: CT in 3rd Place

Connecticut is a healthy place — with a drinking problem, according to the United Health Foundation.

Connecticut moved up one place from fourth to third healthiest state in the U.S. after Vermont and New Hampshire in the 2011 America’s Health Rankings by the foundation established by health insurer UnitedHealth Group, parent to UnitedHealthcare.

Connecticut’s attributes include slow widespread of smoking, obesity and children in poverty. Our state also has a high rate of immunizations compared with residents in other states but that doesn’t mean we’re perfect. CT’s health problems include moderate levels of air pollution and a high prevalence of binge drinking. No surprises there, people love their alcohol and you can’t stop them from drinking but they can control how much they consume.

Connecticut has been ranked between second and seventh place since 1993. I’d say this state is doing pretty good for itself for almost two decades in the health department.

This year, Connecticut edged out Massachusetts, which dropped from second place last year to fifth place this year, behind Hawaii. New Hampshire also moved up, from third place last year to second place this year. Despite CT being one of the states with lowest obesity rates in the U.S., 634,000 adults in CT are obese, which is an increase of 188,000 individuals in the past 10 years. That tells us that as a nation, our eating habits aren’t all that healthy. Grab something healthy to eat once in a while. Your body will thank you.

Other interesting facts about CT health:

  • The percentage of Connecticut adults who smoke decreased from 15.4 percent to 13.2 percent, which is about 364,000.
  •  The rate of diabetes among adults in the state increased from 6.6 percent to 7.3 percent, which is about 201,000.
  • Regionally, New England dominated the U.S. with all six states in the top 10 — Maine is eighth and Rhode Island is 10th. The South fared badly. The bottom five, from 46th to 50th, were Alabama, Arkansas, Oklahoma, Louisiana and Mississippi.


Healthy individuals get better deals on their health insurance policies as well, so visit our website or give us a call at 860 684 2721 for more info.

Read the whole article here.

Courtesy of

Home Owner’s Insurance: How You Can Save Money

Home insurance is an important part of home ownership as owning a home is quite different from living in an apartment. The responsibility of keeping it up to date and taking care of the damages overtime fall on your shoulders and it is up to you to properly insure against potential problems that might occur throughout your life. While shopping for insurance, people imagine spending loads of money but proper home owners insurance doesn’t require you to spend ridiculous amounts. Here are a few tips on how to get the right coverage.

 Shop Around:

Taking the time to shop around and looking into as many insurance companies as possible is one of the best ways to save extra money on the cost of covering a home. Insurance companies operate just like any other business. Though the products offered are the same as everyone else, the price is not. When shopping around, always remember to compare like-coverage. That means you should make sure all of the coverage options are the same. A better way to save money would be to shop locally. Visit your local insurance agency and talk to a representative in person for the best possible coverage.

List the Coverage Needs:

Making a list of the appropriate coverage needs helps determine if something is possible to remove and thus save money. Let’s take a look at basic perils for example. Volcanic eruption is one of the perils covered by homeowner’s insurance but if you live nowhere near an active volcano, you don’t need that coverage so taking that off could save you some money. Once the list is complete, discuss the options for removing elements in the coverage that are unnecessary and find out how much less it will cost per month.

Increase the Deductible:

One of the best ways to lower the amount paid out each month is offering to pay a higher deductible. Paying more if something happens is ultimately less expensive than paying out a large monthly bill when it might be years or an entire lifetime before insurance is necessary.

Combine Coverage:

Many insurance companies nowadays offer multiline policies which means you can add other insurance coverages, such as auto insurance, with your home insurance policy. Combining the coverage so that the car and home are both insured under the same provider results in dramatic discounts on both types of coverage. It saves money and makes it easier to keep track of the bills. You can add motorcycle coverage to it too but not every company offers a discount for that so check in with your local agent for more information.

Lower the Risk of Disasters to the Home:

Fire, flooding and natural disasters are always a factor in the insurance coverage. Limiting the risk of disaster not only helps provide peace of mind against potential disasters, it also might result in special discounts on insurance. Most companies do offer discounts based on how frequently you update your home such as updating plumbing to prevent flood damage or maintaining old wire sockets to prevent fire. The less prone your house is to disaster, the more you will save.

Insurance is an important thing to have. Think of it like coffee. You don’t always need it but it’s good to have it 🙂

Source: Insurance Blog