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The Philadelphia Department of Public Health recently announced that it plans to launch a program called Philly Joy Bank, which aims to provide pregnant residents with monthly cash payments of $1,000. The program's goal is to improve birth outcomes, particularly for those living in areas with the highest rates of infant mortality and very low birth weight. The program is part of the Philadelphia Community Action Network, a group focused on reducing racial disparities in infant mortality. The program has received funding from the William Penn Foundation and Spring Point Partners and will provide payments to 250 pregnant residents living in the Cobbs Creek, Strawberry Mansion, and Nicetown-Tioga neighborhoods. Eligibility requirements include living in one of the designated neighborhoods and having a household income of less than $100,000 per year. The program is set to launch early next year, with the goal of reaching a fundraising goal of $6 million. The program has already secured...

Collision coverage is a type of auto insurance that pays for damages to your vehicle when you collide with another vehicle or object, regardless of who is at fault. This type of insurance is optional and is usually added as an add-on to your basic car insurance policy.  Collision coverage is a type of auto insurance that pays for damages to your vehicle when you collide with another vehicle or object, regardless of who is at fault. This type of insurance is optional and is usually added as an add-on to your basic car insurance policy.   Collision coverage is important because it can  protect you financially  in the event of an accident. Without this insurance, you will be responsible for  any damage to your vehicle out of  pocket. This can be a significant financial burden, especially if the damage is extensive.      How it works    Let's say that Moses Baloyi, who is insured with an accident insurance company, gets into a car ...

None of us are perfect drivers. Some distraction or indifference to other road users is sometimes unavoidable. However, drivers who frequently misbehave are  more often caught.   None of us are perfect drivers. Some distraction or indifference to other road users is sometimes unavoidable. However, drivers who frequently misbehave are  more often caught.   Let's take a look at 10 lazy, reckless or downright dangerous driving habits that have legal consequences you may not be aware of, including convictions that carry hefty fines.   Sports belief in bad driving habits  Many of the bad practices in the list below violate certain traffic laws. If the last time you  thought about the rules of the road was the driver and the morning of the test, you may think that it is not so serious.   Unfortunately, violating traffic rules can be considered careless driving. Nor should it  be the most obvious violations, such as speeding or d...

Personal injury insurance, also known as personal injury protection (PIP) or medical payment, is an optional auto insurance policy that can provide financial assistance for medical expenses, lost wages, and other expenses related to auto injuries. an accident  Personal injury insurance, also known as personal injury protection (PIP) or medical payment, is an optional auto insurance policy that can provide financial assistance for medical expenses, lost wages, and other expenses related to auto injuries.  An accident   In the event of a car accident, medical expenses can quickly add up and  be financially devastating for those involved. Personal injury  insurance  can help ease this financial burden by covering  medical care, rehabilitation and other necessary expenses.  This coverage is usually offered as an add-on to  standard car insurance  and can be purchased at an additional cost. One of the main benefits of personal injury aut...

Auto liability insurance is a type of insurance that helps financially protect drivers  in the event of an accident for which they are  at fault. It is usually required by law in most states and  is intended to cover  property damage and bodily injury that may occur to other parties as a result of an accident.    Auto liability insurance is a type of insurance that helps financially protect drivers  in the event of an accident for which they are  at fault. It is usually required by law in most states and  is intended to cover  property damage and bodily injury that may occur to other parties as a result of an accident.    There are two main types of auto liability insurance: personal liability and property damage. Liability coverage is intended to cover  medical expenses and lost wages of persons injured in an accident attributed to  the policyholder. Property damage liability, on the other hand, is designed to c...

Uninsured and underinsured car insurance is a type of car insurance that protects a driver in the event that they are involved in an accident with an underinsured driver.  Uninsured and underinsured car insurance is a type of car insurance that protects a driver in the event that they are involved in an accident with an underinsured driver. This type of insurance is important because in many states, the minimum liability  required by law is not enough to cover the costs of an accident, and many drivers lack coverage.   Uninsured motorist insurance    Uninsured Motorist (UM) coverage  is designed to protect you if you are involved in an accident with an uninsured driver. This type of insurance covers medical expenses, lost wages and other damages resulting from an accident within the limits of your policy. It is important to note that UM insurance does not cover damage to your own vehicle, which is usually covered by collision insurance.   Und...

Comprehensive coverage, also known as "non-collision" coverage; coverage is  optional auto insurance that provides coverage for a wide range of potential damages  that do not result from a collision with another car.   Comprehensive coverage, also known as "non-collision" coverage; coverage is  optional auto insurance that provides coverage for a wide range of potential damages  that do not result from a collision with another car. This can include damages caused by things like theft, vandalism, natural disasters and more.    When you buy auto insurance, you usually have to buy a certain level of liability that covers you for damages or injuries  you may cause to another driver or their vehicle in the event of an accident. However, liability insurance does not protect your own vehicle or any injuries that  may occur in an accident. There is extensive coverage.     One of the biggest benefits of comprehensive insurance cove...

TECHNICAL UNIVERSITY OF MUNICH Fueled by entrepreneurship and fueled by its proven potential for progressive change, the Technical University of Munich (TUM) has become the flagship of German technology, recognized as the best university three times in a row. Since the birth of the German Excellence Initiative.TUM draws its strength from the scientific and educational excellence of its seven TUM schools and strengthens multidisciplinary innovation through mission-oriented integrated research institutes. In response to the rapid social changes in the age of digitization and biological change, TUM fundamentally renewed the concept of technology, opening it to the natural and biological sciences, medicine, business, humanities and social sciences. People are at the center of TUM's desires. The central mission is to enable versatile talents at all levels, to promote education, the creation of new knowledge and entrepreneurship, and to shape the labor market of the future according to t...