Types Of Insurance

Types Of Insurance

Any risk that can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not. Below are (non-exhaustive) lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the categories set out below. For example, auto insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability risk (covering legal claims from causing an accident). A homeowner's insurance policy in the U.S. typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Business insurance can be any kind of insurance that protects businesses against risks. Some principal subtypes of business insurance are (a) the various kinds of professional liability insurance, also called professional indemnity insurance, which are discussed below under that name; and (b) the business owner's policy (BOP), which bundles into one policy many of the kinds of coverage that a business owner needs, in a way analogous to how homeowners insurance bundles the coverages that a homeowner needs

Principles Of Insurance

Principles Of Insurance

Commercially insurable risks typically share seven common characteristics.
A large number of homogeneous exposure units. The vast majority of insurance policies are provided for individual members of very large classes. Automobile insurance, for example, covered about 175 million automobiles in the United States in 2004. The existence of a large number of homogeneous exposure units allows insurers to benefit from the so-called “law of large numbers,” which in effect states that as the number of exposure units increases, the actual results are increasingly likely to become close to expected results. There are exceptions to this criterion. Lloyd's of London is famous for insuring the life or health of actors, actresses and sports figures. Satellite Launch insurance covers events that are infrequent. Large commercial property policies may insure exceptional properties for which there are no ‘homogeneous’ exposure units. Despite failing on this criterion, many exposures like these are generally considered to be insurable.
Definite Loss. The event that gives rise to the loss that is subject to the insured, at least in principle, take place at a known time, in a known place, and from a known cause. The classic example is death of an insured person on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.
Accidental Loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.
Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.
Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards, the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance. Calculable Loss. There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
Limited risk of catastrophically large losses. The essential risk is often aggregation. If the same event can cause losses to numerous policyholders of the same insurer, the ability of that insurer to issue policies becomes constrained, not by factors surrounding the individual characteristics of a given policyholder, but by the factors surrounding the sum of all policyholders so exposed. Typically, insurers prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5 percent. Where the loss can be aggregated, or an individual policy could produce exceptionally large claims, the capital constraint will restrict an insurer's appetite for additional policyholders. The classic example is earthquake insurance, where the ability of an underwriter to issue a new policy depends on the number and size of the policies that it has already underwritten. Wind insurance in hurricane zones, particularly along coast lines, is another example of this phenomenon. In extreme cases, the aggregation can affect the entire industry, since the combined capital of insurers and reinsurers can be small compared to the needs of potential policyholders in areas exposed to aggregation risk. In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any individual insurer’s capital constraint. Such properties are generally shared among several insurers, or are insured by a single insurer who syndicates the risk into the reinsurance market.

Introduction of insurance

Introduction of insurance

Insurance, in law and economics, is a form of risk management primarily used to hedge against the risk of a contingent loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for a premium, and can be thought of as a guaranteed small loss to prevent a large, possibly devastating loss. An insurer is a company selling the insurance; an insured or policyholder is the person or entity buying the insurance. The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

Hand Painting Art

Hand Painting Art

How AdSense can Make You Money

How AdSense can Make You Money

As a web publisher, there are many things you can do to monetize your websites and bring in a little (or sometimes a lot) of extra cash. One of those ways is Google AdSense, which is a great way for making money online. In this article we will take a look at exactly what it is, how it works, and how to use AdSense to make money online.

What is Google AdSense?
Google provides many services to webmasters and online businesses alike. They can help you to analyse your web traffic, optimise your web pages for better search results, and much more. The services we are interested in for the purposes of this article are the two related programs, AdSense and AdWords. At one time a revolutionary concept in online marketing, AdWords is a program that enables online businesses to advertise their websites alongside relevant content all over the web, in exchange for a fee every time an advert drives a visitor to their site. Those adverts, however, need places to be shown and this is where the partner service AdSense comes into play. AdSense is the other side of the coin, and the part that we as publishers are the most interested in to make easy money online. AdSense pays publishers that display adverts on their pages every time someone clicks on them.

How Does AdSense Work?
Google AdWords and AdSense are extremely clever technologies. By utilizing some sophisticated techniques, Google can basically analyse all of the content on your web page to show AdWords adverts on your site that match up with your content. For example, if you own a website about DIY and utilize AdSense on that site, the adverts will be targeted specifically at the DIY niche which in turn means more people are likely to find them useful. Simply put, by displaying relevant adverts on your website from Google, every time someone clicks on one of those ads, the advertiser gets charged and you get paid.

Easy Money
To get started with Google AdSense advertising and to start making money from your websites, all you need to do is sign up for an AdSense account. Once you have registered, Google will provide you with a small snippet of code to place wherever you want the adverts to show up. The adverts can easily be customized, come in all shapes and sizes to fill any advertising space you may have, and will nearly always match up to your website’s content with no extra effort on your part at all.

While in the beginning things can be slow, don’t give up! Sometimes it is simply about finding the right balance or the correct placement for your adverts, and of course you need the traffic coming in before you can monetize it. If you don’t have enough traffic visiting your sites and you want to be able to make money easily then you will have to spend time up front in optimising your site and adding content to improve your search result placement. Don’t be disheartened if you don’t make a million straight away, eventually most websites can become steady earners from AdSense alone if given enough TLC to begin with.

Top Paying Keywords for Adsense 2009

Top Paying Keywords for Adsense 2009

Saturday, September 26, 2009 Top highest paying google adsense keywords really you make more money from google adsense. This channels keywords are very popular your web page similar to this keywords choose this channel for all ad units. Single click you can earn minimum $ 0.25 for any advertiser ads.

If you use top paying keywords, your adsense earning is really growth. If you want earn more money first promote your blog. If you get more traffic + Use Top paying keywords, your earning is increased doubles. Following keywords are top paying keywords for Cost Per Click (CPC) on this list.

Internet :
$97.44 - domains yahoo
$79.81 - domain name yahoo
$37.86 - yahoo web hosting
$27.11 - google affiliate
$20.64 - domain registration
$18.95 - pay per click affiliate
$16.02 - cheap web hosting
$16.01 - web content management tool
$15.74 - ecommerce web hosting
$15.24 - fx online trading
$14.73 - domain name availability
$14.73 - comcast broadband

Medical :
$68.91 - dc hair laser removal washington
$37.29 - hair laser removal
$36.59 - peritoneal mesothelioma
$30.98 - mesothelioma information
$29.10 - insurance medical temporary
$28.78 - mesothelioma symptoms
$26.02 - medical malpractice lawyer michigan
$14.55 - cancer asbestos

Finance :
$33.55 - cheap auto insurance
$32.72 - consolidate student loan
$32.38 - life insurance quote
$32.01 - cheap car insurance
$31.48 - refinance home
$27.2 - online insurance quotes
$26.31 - home equity loan
$29.43 - car insurance quote
$22 - car insurance
$21.36 - student loan consolidation center

Technology :
$36.26 - conference calling
$27.11 - at t wireless
$26.28 - mcsa boot camp
$26.19 - anti spam appliance
$25.48 - laptop data recovery
$24.26 - data recovery service
$22.74 - t cell phones
$21.54 - hard drive data recovery
$19.24 - help desk software
$16.5 - network marketing software

Law :
$66.15 - law lemon wisconsin
$36.55 - ca lemon law
$28.03 - accident car florida lawyer
$27.12 - criminal defense lawyer
$23.34 - criminal defense federal lawyer

Others :
$40.36 - benchmark lending
$34.13 - best buy gift card
$31.10 - adverse credit remortgage
$25.86 - bad credit home loan
$25.75 - tax attorney
$24.88 - buy gift card
$22.58 - credit card consolidation
$21.49 - employee leasing

Latest Cars For 2010

Latest Cars For 2010

How To Earn $1 A Day In Google Adsense

How To Earn $1 A Day In Google Adsense

Saturday, September 26, 2009

If you are just starting with Google Adsense, I think, before targeting a $100 a month Google Adsense earnings, it’s better to have an easier goal first, and that is to earn $1 per day or $30 per month. It took me 3 months before I achieved that when I’m starting. But how do you really get that? How much traffic do you really need? Let’s do some math.

For an average CTR of 3% and average cost-per-click (CPC) of $0.05, how many visitors do you need to get $1 a day?

With an average of 3% CTR, it means that you need 100 pageviews to get 3 clicks. With an average of $0.05 CPC, it means that you’ll earn just $0.15 for those 3 clicks. It means that for every 100 pageviews, you got 3 clicks and earn $0.15. Now, to get $1, it means that you need to have at least 20 clicks, and you’ll get 20 clicks only when you have 667 pageviews.

Now, check your pageviews. Do you get at least 667 pageviews per day? Note that 3% CTR is already a good average for a blog. If your blog is not optimized, you might even get a CTR less than 1%, which means that you need more pageviews to get more clicks.

Now, how do you get 667 page views a day? The pinay $candal keyword on which this blog is optimized is giving me at least 100 page views per day. To achieve that 667 page views a day, it means that you have to optimize at least 7 keywords on the first page of Google with traffic as much as that of pinay $candal. Quite tough huh? Not really.

See, I get that $1 a day in Adsense after 3 months. You can have it too in 3 months if you promise yourself to optimize at least 2 popular keywords in 1 month. Make it 3 on the 3rd month. 2 keywords in a month isn’t that hard, isn’t it?

Now, where do you get those keywords to optimize? I already shared my keyword research technique. And some bloggers already followed my foot steps on sharing new keywords to optimize. Bluemumble has his keyword of the day project. Silkenhut has his shawty project. And I also release new keywords from time to time.

Yeah, it takes a lot of time and effort. But if you really want to earn from blogging, you must be patient.

After hitting the $1/day goal, then try bigger goals. Do it slowly but surely.

Super Moms (Animal vs Human)

Super Moms (Animal vs Human)

The Super Mom of the All is ...

OFFICE MANAGEMENT

OFFICE MANAGEMENT

Management is a universal process in all organized activities. Whenever there is certain number of people working together for a common goal, some kind of management becomes essential. Without a proper management, the organization can not work properly. So, the organization need someone to manage the organizational activities. The direct effort of a personnel toward the acheivement of goals of organization is management.

Office also need a proper management to operate it efficiently and effectively. The main objective of the office is to provide service to all the department in the organization. Receiving the information, recording , processing, supplying and retaining are the major function of the office. The branch of management which deals with the performance of these functions is called 'office management.' Office management is concerned with the application of theprinciple of management for getting work done through office. In other words, office management is the application of management process to the office activities. According to George R terry,'office management can be defined as a task of planning, coordinating, motivating the efforts of others towards the specific objectives in the office.'

Therefore , the management of office or an organization for acheiving the goals of organization or to run the organization properly , smoothly and efficiently is known as office management. The office management is concern with the following elements:

• Personnel : It is a person who is respon sible to manage the organization or office. It is the main element among this component. There should be sufficient number of trained personnel. The office personnel must be selected properly , placed, trained, promote ane controlled for the purpose of accomplishing desired goals.
• Means : Means are the tools with the help of which official activities are done or performed. It include the materials , machines, and equipment required by the office personnel or for office work.If the office is not provided with the appropriate means, it is very difficult to manage the organization properly.
• Environment : Environment plays an important role for managing the office and for efficient and effective office work. It means the sorrounding where emplyees work. It include the factor like layout, interior decoration, lighting, vantilation , cleanlines etc.
• Purpose : An office has to set up definite purpose. The purpose purpose of the office provide direction and guidelines to other activities. If the purpoise of the office is cleared then efforts and activities can be directed in its acheivement.

So, office management is a distinct purpose of planning , organizing , staffing , directing , and controlling office work in order to perform office work efficiently and effectively to avheive the objective of the organization or enterprise.

Hotel Crown Plaza Islamabad Pakistan

Hotel Crown Plaza Islamabad Pakistan

HOTEL DESCRIPTION: Located in the city's bustling business district, in the heart of Islamabad, the distinctive Hotel Crown Plaza. welcomes both business and leisure travelers. As you will see from the moment you arrive, our hotel offers striking views of Margalla Hills as well as the natural beauty of Islamabad. Guest rooms that combine classic luxury with contemporary business tools. And a level of service that's a step beyond other hotels.

HOTEL ACCOMMODATION: Each of Hotel Crown Plaza's 61 quest rooms combines exceptional views and tasteful decor with the latest technological enhancements. Richly-appointed with handcrafted Oak furniture, marble bathrooms, and classical fixtures, each guest room is also equipped with state-of-art conveniences that make conducting business in your room truly a pleasure. Staying at Hotel Crown Plaza is surely a rare experience. You feel truly at home, right from the moment you enter the hotel until it is time to say you fond farewells and surely after leaving us you will have memories to last a lifetime.
It is centrally air-conditioned hotel with rooms comparable to any five star hotel in Pakistan. Each room has been tastefully as well as gracefully decorated and is equipped with all the due accessories to ensure smooth and seamless business operations in an absolutely comfortable atmosphere. It is for the first time in Pakistan that each room in Hotel Crown Plaza is provided with state of the art amenities.

HOTEL FACILITIES: Located on the Hotel's lobby level. The Dining Places offers imaginative Pakistani, Oriental and Continental cuisine, complemented by verity of flavored coffee and fruity cocktails. Enjoy out lavish buffet Breakfast, Lunch, Hi-Tea or Dinner, or order Ala Carte. Coffee Shop open 24-hours for late night snacks.
The breakfast buffet at Hotel Crown Plaza encompasses freshly baked pastries, freshly squeezed orange juice, homemade jams, yoghurts, fresh fruits, cured cold meats and the finest cheeses, accompanied by a fine Full English breakfast menu served from the kitchen.
A continental lunch offers the freshest available ingredients (inclusive of smoked salmon, oysters, smoked pate, honey glazed gammon, traditional salami, homemade terrine, rare roast beef, a selection of salads and herbs, sun dried or grilled marinated vegetables, tapenades, imported cheeses, home baked breads and crostini), complimented by a traditional carving trolley with hollandaise, pickles and mustards. This speedy, yet elegant lunch culminates in a choice of three daily desserts presented by your waiter, and includes a choice of tea or coffee.
Dinner is a relaxed elegant affair, using a selection of the freshest seasonal ingredients prepared and presented by Executive Chef . The Restaurant Manager/Chef and the Head Waiters will personally explain the evening's fare, a minimum of three daily starters, three main courses and three daily desserts.
Hotel Crown Plaza provides a professional meeting service, offering you, the conference organizer, unique benefits with the most modern conference and sophisticated wide range of audio visual equipments to ensure all aspects of your meeting go as planned. Keeping in view the requirements of our guests, we have equally catered for your meetings and banquet needs. Oak room the hotel's banquet hall has a capacity to accommodate upto 150 guests for all kinds of business meetings, official seminars, wedding ceremonies, cultural exhibitions and private parties.
Hotel Crown Plaza offers you the finest banquet/meeting facilities right in the center of the capital. The Hotel is perfectly located in the most shopping and entertainment sector of the Blue Area with the panoramic view of entire Islamabad.For conferences, Hotel Crown Plaza offers a boardroom seating 5 - 12 delegates, one larger convention room accommodating up to 30 delegates. The conference areas feature multi-telephone and fax lines, ISDN lines and video conferencing.

Pearl Continental Hotel Murree Pakistan

Pearl Continental Hotel Murree Pakistan

HOTEL DESCRIPTION: The capital of Pakistan is located against the backdrop of Margalla Hills, which are part of the Himalayan mountain range. It is a new city as its master plan was prepared in 1960. Islamabad is just 15 km from its older twin city of Rawalpindi.

HOTEL ACCOMMODATION: 197 elegantly furnished rooms and suites in Punjabi and Swati style decors overlooking the Margalla Hills and Rawal Lake. Each Room features flat screen televisions with satellite and in-house video channels, direct dialling telephones, high-speed internet and e-mail facilities, radio, electronic safes, air-conditioning, modern bathrooms with separate shower, bath-tubs and hairdryers.

HOTEL FACILITIES:

Zamana (Coffee Shop)
Located just off the lobby level on the upper ground floor with a view into the picturesque jasmine water gardens, it is open 24 hours serving Buffet Breakfast, Lunch, Hi-Tea and Dinner in addition to snacks, tea and coffee. So whether you desire local delicacies to continental classics you will find a large range of tempting variety at Zamana.

Al-Maghreb
Located on the lobby level on the upper ground floor it serves Arabic, Moroccan, Lebanese and Continental dishes for lunch and dinner. It has traditional ambiance and exotic decorations.

Lobby Lounge
Located in the main lobby on the upper ground floor with the view of the Jasmine gardens, serves from a delightful cup of coffee to classic teas. An array of pastries, cakes and sandwiches is also available.

Baradari (BBQ Restaurant)
A seasonal restaurant which serves exotic grill cuisine. Located next to the Pool, the open-air restaurant captures the true spirit of a Pakistani BBQ with its large Tandoori ovens, Fire pits and captivating music with the melodies of local folklore.

Pool Bar
Located next to the swimming pool and gardens, it serves snacks to salads and mocktails from 9:00am till 10:00pm.

Rakaposhi (Pastry & Ice Cream Parlour)
Located at the shopping arcade off the hotel lobby from 9:00am till 11:00pm daily. An international selection of freshly baked homemade breads, cakes and pastries, either for takeaway or served at the terrace or café. A full selection of beverages, juices, tea, flavoured teas, speciality coffees and mocktails available for your enjoyment.

Health Club & Recreational Facilities
- Outdoor swimming pool (Heated)
- Ladies and Gents Gyms
- Sauna
- Steam Room
- Massage
- Golf, Tennis & Riding (5 minutes from the hotel)