Level Factory Outlet is situated right in the central of factory outlets in Jalan Dago. You can find lots of good product with a very competitive price. Due to its large place, you will feel convenient doing your shopping here. They have a large
parking lot but during certain times like long weekend, it will be full.
Interestingly, they provide a playground area as well. Hence you can let your kids play while you shop around. Like many other factory outlets, you can also find a food court in this factory outlet.
Read More >>
Wednesday, February 23, 2011
Sunday, February 20, 2011
Kaspersky Labs
Kaspersky Labs specialize in PC security software, particularly antivirus software, anti-malware and internet security downloads, and network, bluetooth, and mobile security software. With a range of security applications for both PC and Mac
operating systems, Kaspersky Labs products are ideal for small businesses, home offices, and enterprise applications alike. Whether you need complete PC security or just a temporary internet security option, Kaspersky software will meet your most desperate security needs. Read More >>
operating systems, Kaspersky Labs products are ideal for small businesses, home offices, and enterprise applications alike. Whether you need complete PC security or just a temporary internet security option, Kaspersky software will meet your most desperate security needs. Read More >>
Saturday, February 19, 2011
Video Klip SM#SH OVJ Version!
Video clips from the comedy genre BC # SH originally not been released officially. However, the clip has been leaked to the internet via the Youtube site. However, this leakage commonly addressed by this boyband-style comedians personnel.
"Well that? Why can leak, it has been busy on twitter already crowded market in Impress as well. We're accustomed to, we nanggepinnya ordinary," said Sule, Friday (02/18).
Wildlife found in 7 Ragunan, South Jakarta, Andre said that originally they planned to keep the video clip until the press conference, but apparently trigger-leaks.
"At first we want to keep up to launch, to want preskon, but it could leak. Though her music videos like ditayangin in Egypt," said Andrew with a half-joking.
"Ya want leaked on Youtube, would leak where, hopefully be successful for us," added Nunung.
Besides leaked on Youtube, a video news clip about this increasingly spread quickly through twitter. "Whereas on twitter already crowded, and her music videos have been opened almost out of three people (kidding), but his friends come along," said Sule.
Regarding the concept of the video clips are their unique, Aziz believes even if the actual video clip but it was not shock therapy.
"This is not a video clip, but shock therapy, until there is a crocodile emerged," added Aziz Read More >>
"Well that? Why can leak, it has been busy on twitter already crowded market in Impress as well. We're accustomed to, we nanggepinnya ordinary," said Sule, Friday (02/18).
Wildlife found in 7 Ragunan, South Jakarta, Andre said that originally they planned to keep the video clip until the press conference, but apparently trigger-leaks.
"At first we want to keep up to launch, to want preskon, but it could leak. Though her music videos like ditayangin in Egypt," said Andrew with a half-joking.
"Ya want leaked on Youtube, would leak where, hopefully be successful for us," added Nunung.
Besides leaked on Youtube, a video news clip about this increasingly spread quickly through twitter. "Whereas on twitter already crowded, and her music videos have been opened almost out of three people (kidding), but his friends come along," said Sule.
Regarding the concept of the video clips are their unique, Aziz believes even if the actual video clip but it was not shock therapy.
"This is not a video clip, but shock therapy, until there is a crocodile emerged," added Aziz Read More >>
Knowledge And Comparing Medical Health Insurance In California
With all the current health insurance options that are offered it might be overwhelming with choosing the right health coverage. Every state offers different health insurance options in line with the laws because state. California residents have among the largest selections of coverage of health that is available today. This guide will help you understand eighty percent of all the medical health insurance options that are available to you inside the state of California.
When you compare health insurance plans there are three main categories that you will be looking at. Three categories are; office consultation, prescriptions drug coverage and everything else that is build into the deductible.
Office consultation. Generally health insurance plans, you will have copay or co-insurance to cover office consultations. The copay or co-insurance are generally not subject to the main deductible of the plan. A copay is a fixed amount for instance $30 for an office visit. Co-insurance is a fixed percentage for example 30% for an appointment. An example of co-insurance would be:
Office Visit: $100 charge
Negotiated rate: $ 60 charge
Co-insurance: 30%
In this instance, the subscriber would pay 30% of the negotiated rate of $60 for a total of $18. The negotiated minute rates are the charge an in-network doctor or provider has agreed to in order to participate in that network. This usually applies to PPO type plans.
Any office copay or co-insurance is only for the consultation itself. When the doctor runs labs, performs procedures, or does other services as well as the consultation, these charges are handled in the third section and will be in addition to the copay or co-insurance. Check out my other guide: e health insurance, acceptance insurance and kaiser health insurance
The office consultation is one of the key items when examining your California medical health insurance quote for Individual Family or Small Group insurance. You may typically see “$25″ or “30%” inside the results.
A quick note. With HSA qualified high deductible plans, work visit consultation is susceptible to the main deductible. What this means is you must satisfy the deductible before you get a copay or co-insurance benefit. You will get negotiated rates for seeing an in-network provider even if the benefit is at the mercy of the deductible. For instance, in the case above, you’d pay the $60 as part of your deductible. Some plans do not cover office visits whatsoever. They tend to become the least expensive hospital or catastrophic coverage plans.
2. Prescription coverage and California health insurance. With most plans, prescription coverage is broken out separately in the main deductible by means of copays. Almost all intentions of the market today distinguish between Generic and Brand.
Insurance companies possess a Formulary, or listing of drugs they deem to work and cost-effective.
The lower-priced medicine is Generic and typically you have a smaller copay (around $10 on average) which is not subject to any deductible. Read More >>
When you compare health insurance plans there are three main categories that you will be looking at. Three categories are; office consultation, prescriptions drug coverage and everything else that is build into the deductible.
Office consultation. Generally health insurance plans, you will have copay or co-insurance to cover office consultations. The copay or co-insurance are generally not subject to the main deductible of the plan. A copay is a fixed amount for instance $30 for an office visit. Co-insurance is a fixed percentage for example 30% for an appointment. An example of co-insurance would be:
Office Visit: $100 charge
Negotiated rate: $ 60 charge
Co-insurance: 30%
In this instance, the subscriber would pay 30% of the negotiated rate of $60 for a total of $18. The negotiated minute rates are the charge an in-network doctor or provider has agreed to in order to participate in that network. This usually applies to PPO type plans.
Any office copay or co-insurance is only for the consultation itself. When the doctor runs labs, performs procedures, or does other services as well as the consultation, these charges are handled in the third section and will be in addition to the copay or co-insurance. Check out my other guide: e health insurance, acceptance insurance and kaiser health insurance
The office consultation is one of the key items when examining your California medical health insurance quote for Individual Family or Small Group insurance. You may typically see “$25″ or “30%” inside the results.
A quick note. With HSA qualified high deductible plans, work visit consultation is susceptible to the main deductible. What this means is you must satisfy the deductible before you get a copay or co-insurance benefit. You will get negotiated rates for seeing an in-network provider even if the benefit is at the mercy of the deductible. For instance, in the case above, you’d pay the $60 as part of your deductible. Some plans do not cover office visits whatsoever. They tend to become the least expensive hospital or catastrophic coverage plans.
2. Prescription coverage and California health insurance. With most plans, prescription coverage is broken out separately in the main deductible by means of copays. Almost all intentions of the market today distinguish between Generic and Brand.
Insurance companies possess a Formulary, or listing of drugs they deem to work and cost-effective.
The lower-priced medicine is Generic and typically you have a smaller copay (around $10 on average) which is not subject to any deductible. Read More >>
Engaging Auto Insurance Information
Searching for auto insurance quotes can take up a great deal of your time. If you’re familiar with insurance, then you know that rates go up and down all of the time. It’s part of the competition in between providers and also one of the methods that most organizations make the majority of their profits.
When you appear at all of the diverse objects which you will need to have when you drive a automobile you could not even consider about some form of coverage. However, that is one of the key items which you want to have, but once you know concerning the factors why you must obtain auto insurance you’ll greater comprehend why this is so important to have. Then you may desire to guarantee that you purchase the suitable plan for the requirements you might have plus the car form that you drive.
Searching for auto insurance quotes can take up a great deal of your time. If you’re familiar with insurance, then you know that rates go up and down all of the time. It’s part of the competition in between providers and also one of the methods that most organizations make the majority of their profits.
When you appear at all of the diverse objects which you will need to have when you drive a automobile you could not even consider about some form of coverage. However, that is one of the key items which you want to have, but once you know concerning the factors why you must obtain auto insurance you’ll greater comprehend why this is so important to have. Then you may desire to guarantee that you purchase the suitable plan for the requirements you might have plus the car form that you drive.
One reason to obtain this is that it is going to frequently offer coverage for your automobile when you are involved in an accident. Since this is going to be high priced repairs you might notice that it is going to require you to pay a deductible, but whenever you look at that it could be far more high priced for you to pay for the repairs out of the personal pocket you will see that the cost is properly worth it.
Another reason to have this coverage is that in several areas it is essential to have by law. Since it can be essential by law you might notice that when you usually do not have this it could finish up inside your automobile being impounded or taken away from you due to the fact of the lack of coverage which you have. So, you have to have to make certain that you have this coverage if it’s essential by law to prevent that from happening to you.
Fortunately, you are the 1 who’s ultimately in control of how much you pay for auto insurance. If you’ve got a bad driving record, anticipate to pay more. Depending on how severe your driving record, the value you pay may be substantially higher. Persons who’ve a long list of targeted traffic tickets accidents typically need to pay hundreds extra in auto insurance per month than those that otherwise do not.
Something else that you must contemplate is that lots of occasions this will support pay for any medical expenses that can come from an accident.
With that being said, should you don’t have a bad driving record, it’s greatest which you do your very best to maintain it that way. Just by wearing your seat belt, watching your speed, and paying attention to other drivers, you are able to successfully eradicate having to pay much more for car insurance within the future.
If you decide this essay was informative you should also be interested in more topics about Pregnant Without Insurance. Read More >>
When you appear at all of the diverse objects which you will need to have when you drive a automobile you could not even consider about some form of coverage. However, that is one of the key items which you want to have, but once you know concerning the factors why you must obtain auto insurance you’ll greater comprehend why this is so important to have. Then you may desire to guarantee that you purchase the suitable plan for the requirements you might have plus the car form that you drive.
Searching for auto insurance quotes can take up a great deal of your time. If you’re familiar with insurance, then you know that rates go up and down all of the time. It’s part of the competition in between providers and also one of the methods that most organizations make the majority of their profits.
When you appear at all of the diverse objects which you will need to have when you drive a automobile you could not even consider about some form of coverage. However, that is one of the key items which you want to have, but once you know concerning the factors why you must obtain auto insurance you’ll greater comprehend why this is so important to have. Then you may desire to guarantee that you purchase the suitable plan for the requirements you might have plus the car form that you drive.
One reason to obtain this is that it is going to frequently offer coverage for your automobile when you are involved in an accident. Since this is going to be high priced repairs you might notice that it is going to require you to pay a deductible, but whenever you look at that it could be far more high priced for you to pay for the repairs out of the personal pocket you will see that the cost is properly worth it.
Another reason to have this coverage is that in several areas it is essential to have by law. Since it can be essential by law you might notice that when you usually do not have this it could finish up inside your automobile being impounded or taken away from you due to the fact of the lack of coverage which you have. So, you have to have to make certain that you have this coverage if it’s essential by law to prevent that from happening to you.
Fortunately, you are the 1 who’s ultimately in control of how much you pay for auto insurance. If you’ve got a bad driving record, anticipate to pay more. Depending on how severe your driving record, the value you pay may be substantially higher. Persons who’ve a long list of targeted traffic tickets accidents typically need to pay hundreds extra in auto insurance per month than those that otherwise do not.
Something else that you must contemplate is that lots of occasions this will support pay for any medical expenses that can come from an accident.
With that being said, should you don’t have a bad driving record, it’s greatest which you do your very best to maintain it that way. Just by wearing your seat belt, watching your speed, and paying attention to other drivers, you are able to successfully eradicate having to pay much more for car insurance within the future.
If you decide this essay was informative you should also be interested in more topics about Pregnant Without Insurance. Read More >>
Understanding Life Insurance Policies
These ages you must know in life insurance are original age, attained grow older, and grow older foundation. The concepts are scarcely complex sufficient to merit industry-specific jargon, but without a little bit of explanation, they could yet throw you to get a loop.
–When you commence a life insurance policy–
When you apply for protection, two with the primary elements that affect the cost you are offered are the health and age of anyone (or people) that you simply plan to insure. You may find for your surprise that the insurance carrier in which you utilize evaluates the health of the insured differently than you did and, consequently, the pace course which it assigns to him/her is more or less costly than your lifetime insurance quote led you to definitely expect. For most people, that is an understandable discrepancy, but what may truly result in consternation is learning the insurance carrier has evaluated the age of the insured differently than learn about!
“Age basis” refers to this that the insurer considers the insured to be. This is the age that is connected to actuarial formulae to calculate expense of insurance. By incorporating insurance firms, grow older basis is equal to grow older (because the layman would reckon it). Online websites, although, grow older basis is situated upon the insured’s closest birthday. Which means that six months before his/her birthday, his/her age basis increments by one year.
If you find that your age foundation differs out of your grow older, don’t be concerned. The insurance firm isn’t picking for you. It’s simply determined that all of their calculations tend to be more correct when an insured’s closest birthday is employed. In the event you selected the right rate course, your provide should nonetheless coincide with your quote (you should not enter a date 6 months before your birthday onto the quote type).
-During the life span of your policy-
In most cases, it’s the “original age”-the age foundation of the insured during the policy’s inception-that determines a policy’s price of insurance coverage (COI). With term life and whole life insurance, this is a straightforward case that needs no greater elucidation, but with universal term life insurance, the COI really increases yearly to reflect the insured’s current age.
-At the conclusion of the policy-
Term life insurance guarantees coverage for less than a specific period–typically 5-30 years. Once that phrase of protection has ended, your policy will terminate. Nevertheless, it isn’t unusual to have an insurer to provide more than one conversion options, which is, permission to convert your phrase insurance policy in to a everlasting insurance plan. Just what type (or kinds) of everlasting coverage you could choose is the insurer’s prerogative.
In conversion, the amount of coverage you carry continues to be same, as also does your rate class: in the event you held a $1 million coverage beneath Regular charges prior to conversion, you will have a $1 million coverage under Standard rates after conversion. However, the cost of insurance coverage to your new permanent policy will not be based upon your term policy’s “original grow older.” Rather, the everlasting policy’s cost of insurance coverage depends upon the insured’s present grow older, to create his/her “attained age” in your life insurance coverage jargon.
If you want to study copywriting in US you can check our student exchange website. Read More >>
–When you commence a life insurance policy–
When you apply for protection, two with the primary elements that affect the cost you are offered are the health and age of anyone (or people) that you simply plan to insure. You may find for your surprise that the insurance carrier in which you utilize evaluates the health of the insured differently than you did and, consequently, the pace course which it assigns to him/her is more or less costly than your lifetime insurance quote led you to definitely expect. For most people, that is an understandable discrepancy, but what may truly result in consternation is learning the insurance carrier has evaluated the age of the insured differently than learn about!
“Age basis” refers to this that the insurer considers the insured to be. This is the age that is connected to actuarial formulae to calculate expense of insurance. By incorporating insurance firms, grow older basis is equal to grow older (because the layman would reckon it). Online websites, although, grow older basis is situated upon the insured’s closest birthday. Which means that six months before his/her birthday, his/her age basis increments by one year.
If you find that your age foundation differs out of your grow older, don’t be concerned. The insurance firm isn’t picking for you. It’s simply determined that all of their calculations tend to be more correct when an insured’s closest birthday is employed. In the event you selected the right rate course, your provide should nonetheless coincide with your quote (you should not enter a date 6 months before your birthday onto the quote type).
-During the life span of your policy-
In most cases, it’s the “original age”-the age foundation of the insured during the policy’s inception-that determines a policy’s price of insurance coverage (COI). With term life and whole life insurance, this is a straightforward case that needs no greater elucidation, but with universal term life insurance, the COI really increases yearly to reflect the insured’s current age.
-At the conclusion of the policy-
Term life insurance guarantees coverage for less than a specific period–typically 5-30 years. Once that phrase of protection has ended, your policy will terminate. Nevertheless, it isn’t unusual to have an insurer to provide more than one conversion options, which is, permission to convert your phrase insurance policy in to a everlasting insurance plan. Just what type (or kinds) of everlasting coverage you could choose is the insurer’s prerogative.
In conversion, the amount of coverage you carry continues to be same, as also does your rate class: in the event you held a $1 million coverage beneath Regular charges prior to conversion, you will have a $1 million coverage under Standard rates after conversion. However, the cost of insurance coverage to your new permanent policy will not be based upon your term policy’s “original grow older.” Rather, the everlasting policy’s cost of insurance coverage depends upon the insured’s present grow older, to create his/her “attained age” in your life insurance coverage jargon.
If you want to study copywriting in US you can check our student exchange website. Read More >>
Friday, February 18, 2011
Soank V1.0 Hack Card Mission, Quit PB, Maphack, Minimize 24 hour
HOW TO USE CARD HACK
1. DELETE ALL EXISTING MISSION AND BUY A NEW MISSION
2. CARD IN POSITION TO THE LETTER P loby AND PRESS F5
3. MISSION TO MORE THAN LETTERS TO hurup O P SHEAR
4. TO loby AGAIN
5. And so on until LETTER K
6. AFTER FINISH IN HRUF K BACK TO THE LETTER P
7. SELESEIN tuh MISSION LETTERS P
8. FINISHED AFTER HIS MASMED Crot tuh ..
Maphack
Probably already on tau: D: D: D: D
Minimize
Just press INSERT already have guns in oppin dech
Hotkey :
Minimize : INSERT
Map ON : Shift + O
Map Off : Shift + P
Complete card : F1
Uncomplete card : F2
Download:
http://www.ziddu.com/download/13855198/SoankV1.rar.html
Read More >>
1. DELETE ALL EXISTING MISSION AND BUY A NEW MISSION
2. CARD IN POSITION TO THE LETTER P loby AND PRESS F5
3. MISSION TO MORE THAN LETTERS TO hurup O P SHEAR
4. TO loby AGAIN
5. And so on until LETTER K
6. AFTER FINISH IN HRUF K BACK TO THE LETTER P
7. SELESEIN tuh MISSION LETTERS P
8. FINISHED AFTER HIS MASMED Crot tuh ..
Maphack
Probably already on tau: D: D: D: D
Minimize
Just press INSERT already have guns in oppin dech
Hotkey :
Minimize : INSERT
Map ON : Shift + O
Map Off : Shift + P
Complete card : F1
Uncomplete card : F2
Download:
http://www.ziddu.com/download/13855198/SoankV1.rar.html
Read More >>
SMake Blogspot Title Tags More Seo Friendly
Who want to make their blog appear on top of search engine? probably everyone. Especially on google search. Having your blog number one on google will drive more traffic to your blogand of course more money will be on the way to you. Now i'll tell you how to make your blog search engine friendly. This is a conclusion after being a blogger at some time. All you need is to change how your blog appear on google. We can do that by adding title tag on your blog. Blogger.com by default don't come with search engine optimized (SEO). Now let's start it :
Step by Step to Make Blogspot Title Tags Seo Optimized.
Step 1. Find code below in your template :
Step 2. Change the code with below code :
Step 3. Save it and see your blog.
Read More >>
Step by Step to Make Blogspot Title Tags Seo Optimized.
Step 1. Find code below in your template :
<b:include data='blog' name='all-head-content'/>
<title><data:blog.pageTitle/></title>
<b:skin><![CDATA[/*
Step 2. Change the code with below code :
<b:include data='blog' name='all-head-content'/>
<b:if cond='data:blog.pageType == "index"'>
<title><data:blog.pageName/> | <data:blog.title/></title>
<b:else/>
<title><data:blog.pageTitle/></title>
</b:if>
<b:skin><![CDATA[/*
Step 3. Save it and see your blog.
Read More >>
Privacy Policy
If you require any more information or have any questions about our privacy policy, please feel free to contact us by email at freeblogdirectory@gmail.com.
At metatagforblogger.blogspot.com, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by metatagforblogger.blogspot.com and how it is used.
Log Files
Like many other Web sites, metatagforblogger.blogspot.com makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
metatagforblogger.blogspot.com does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.
DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on metatagforblogger.blogspot.com.
.:: Google's use of the DART cookie enables it to serve ads to users based on their visit to metatagforblogger.blogspot.com and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL - http://www.google.com/privacy_ads.html
Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ....
Google Adsense
These third-party ad servers or ad networks use technology to the advertisements and links that appear on metatagforblogger.blogspot.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.
metatagforblogger.blogspot.com has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. metatagforblogger.blogspot.com's privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.
Read More >>
At metatagforblogger.blogspot.com, the privacy of our visitors is of extreme importance to us. This privacy policy document outlines the types of personal information is received and collected by metatagforblogger.blogspot.com and how it is used.
Log Files
Like many other Web sites, metatagforblogger.blogspot.com makes use of log files. The information inside the log files includes internet protocol ( IP ) addresses, type of browser, Internet Service Provider ( ISP ), date/time stamp, referring/exit pages, and number of clicks to analyze trends, administer the site, track user’s movement around the site, and gather demographic information. IP addresses, and other such information are not linked to any information that is personally identifiable.
Cookies and Web Beacons
metatagforblogger.blogspot.com does use cookies to store information about visitors preferences, record user-specific information on which pages the user access or visit, customize Web page content based on visitors browser type or other information that the visitor sends via their browser.
DoubleClick DART Cookie
.:: Google, as a third party vendor, uses cookies to serve ads on metatagforblogger.blogspot.com.
.:: Google's use of the DART cookie enables it to serve ads to users based on their visit to metatagforblogger.blogspot.com and other sites on the Internet.
.:: Users may opt out of the use of the DART cookie by visiting the Google ad and content network privacy policy at the following URL - http://www.google.com/privacy_ads.html
Some of our advertising partners may use cookies and web beacons on our site. Our advertising partners include ....
Google Adsense
These third-party ad servers or ad networks use technology to the advertisements and links that appear on metatagforblogger.blogspot.com send directly to your browsers. They automatically receive your IP address when this occurs. Other technologies ( such as cookies, JavaScript, or Web Beacons ) may also be used by the third-party ad networks to measure the effectiveness of their advertisements and / or to personalize the advertising content that you see.
metatagforblogger.blogspot.com has no access to or control over these cookies that are used by third-party advertisers.
You should consult the respective privacy policies of these third-party ad servers for more detailed information on their practices as well as for instructions about how to opt-out of certain practices. metatagforblogger.blogspot.com's privacy policy does not apply to, and we cannot control the activities of, such other advertisers or web sites.
If you wish to disable cookies, you may do so through your individual browser options. More detailed information about cookie management with specific web browsers can be found at the browsers' respective websites.
Read More >>
Insurance?
In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment. An insurer is a company selling the insurance; an insured, or policyholder, is the person or entity buying the insurance policy. 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.
The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.
Insurance involves pooling funds from many insured entities (known as exposures) to pay for the losses that some may incur. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.
The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.
Insurance involves pooling funds from many insured entities (known as exposures) to pay for the losses that some may incur. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring. In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.
Insurability
Main article: Insurability
Risk which can be insured by private companies typically share seven common characteristics:[2]
Large number of similar exposure units: Since insurance operates through pooling resources, the majority of insurance policies are provided for individual members of large classes, allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses. Exceptions include Lloyd's of London, which is famous for insuring the life or health of actors, sports figures and other famous individuals. However, all exposures will have particular differences, which may lead to different premium rates.
Definite loss: The loss takes 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 or even purchasing a lottery ticket, 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 hardly any 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 the insurance will be purchased, 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. (See the U.S. Financial Accounting Standards Board standard number 113)
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: Insurable losses are ideally independent and non-catastrophic, meaning that the losses do not happen all at once and individual losses are not severe enough to bankrupt the insurer; insurers may prefer to limit their exposure to a loss from a single event to some small portion of their capital base. Capital constrains insurers' ability to sell earthquake insurance as well as wind insurance in hurricane zones. In the U.S., flood risk is insured by the federal government. 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.
Legal
When a company insures an individual entity, there are basic legal requirements. Several commonly cited legal principles of insurance include:[3]
Indemnity – the insurance company indemnifies, or compensates, the insured in the case of certain losses only up to the insured's interest.
Insurable interest – the insured typically must directly suffer from the loss. Insurable interest must exist whether property insurance or insurance on a person is involved. The concept requires that the insured have a "stake" in the loss or damage to the life or property insured. What that "stake" is will be determined by the kind of insurance involved and the nature of the property ownership or relationship between the persons.
Utmost good faith – the insured and the insurer are bound by a good faith bond of honesty and fairness. Material facts must be disclosed.
Contribution – insurers which have similar obligations to the insured contribute in the indemnification, according to some method.
Subrogation – the insurance company acquires legal rights to pursue recoveries on behalf of the insured; for example, the insurer may sue those liable for insured's loss.
Causa proxima, or proximate cause – the cause of loss (the peril) must be covered under the insuring agreement of the policy, and the dominant cause must not be excluded
Indemnification
Main article: Indemnity
To "indemnify" means to make whole again, or to be reinstated to the position that one was in, to the extent possible, prior to the happening of a specified event or peril. Accordingly, life insurance is generally not considered to be indemnity insurance, but rather "contingent" insurance (i.e., a claim arises on the occurrence of a specified event). There are generally two types of insurance contracts that seek to indemnify an insured:
an "indemnity" policy, and
a "pay on behalf" or "on behalf of"[4] policy.
The difference is significant on paper, but rarely material in practice.
An "indemnity" policy will never pay claims until the insured has paid out of pocket to some third party; for example, a visitor to your home slips on a floor that you left wet and sues you for $10,000 and wins. Under an "indemnity" policy the homeowner would have to come up with the $10,000 to pay for the visitor's fall and then would be "indemnified" by the insurance carrier for the out of pocket costs (the $10,000).[4][5]
Under the same situation, a "pay on behalf" policy, the insurance carrier would pay the claim and the insured (the homeowner in the above example) would not be out of pocket for anything. Most modern liability insurance is written on the basis of "pay on behalf" language.[4]
An entity seeking to transfer risk (an individual, corporation, or association of any type, etc.) becomes the 'insured' party once risk is assumed by an 'insurer', the insuring party, by means of a contract, called an insurance policy. Generally, an insurance contract includes, at a minimum, the following elements: identification of participating parties (the insurer, the insured, the beneficiaries), the premium, the period of coverage, the particular loss event covered, the amount of coverage (i.e., the amount to be paid to the insured or beneficiary in the event of a loss), and exclusions (events not covered). An insured is thus said to be "indemnified" against the loss covered in the policy.
When insured parties experience a loss for a specified peril, the coverage entitles the policyholder to make a claim against the insurer for the covered amount of loss as specified by the policy. The fee paid by the insured to the insurer for assuming the risk is called the premium. Insurance premiums from many insureds are used to fund accounts reserved for later payment of claims — in theory for a relatively few claimants — and for overhead costs. So long as an insurer maintains adequate funds set aside for anticipated losses (called reserves), the remaining margin is an insurer's profit.
Effects
Insurance can have various effects on society through the way that it changes who bears the cost of losses and damage. On one hand it can increase fraud, on the other it can help societies and individuals prepare for catastrophes and mitigate the effects of catastrophes on both households and societies.
Insurance can influence the probability of losses through moral hazard, insurance fraud, and preventive steps by the insurance company. Insurance scholars have typically used morale hazard to refer to the increased loss due to unintentional carelessness and moral hazard to refer to increased risk due to intentional carelessness or indifference.[6] Insurers attempt to address carelessness through inspections, policy provisions requiring certain types of maintenance, and possible discounts for loss mitigation efforts. While in theory insurers could encourage investment in loss reduction, some commentators have argued that in practice insurers had historically not aggressively pursued loss control measures - particularly to prevent disaster losses such as hurricanes - because of concerns over rate reductions and legal battles. However, since about 1996 insurers began to take a more active role in loss mitigation, such as through building codes.
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Hack Database Gemscool
Today is February 18, 2011 at 19:30. I managed to paralyze the system a provider of game publishers, who had been my drill.
I have learned a little more crack from them that the system, maybe you guys a lot to ask, how can I know their system gaps that many people say that this is the system reliable and easy to redeem not you believe? Just think carefully
in the scheme of the defense line system, there are 3 things that can cause small cracks that although we can use them properly.
you definitely can not wait to know her.
waiting on my next posting
Read More >>
I have learned a little more crack from them that the system, maybe you guys a lot to ask, how can I know their system gaps that many people say that this is the system reliable and easy to redeem not you believe? Just think carefully
in the scheme of the defense line system, there are 3 things that can cause small cracks that although we can use them properly.
you definitely can not wait to know her.
waiting on my next posting
Read More >>
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