Archive for the ‘general’ Category
Bird flu H5N1 and insurance industry
H5N1 strain of the influential Bird flu is posing a serious threat to human lives of late. Under the present circumstances, business houses are made aware of taking precautions in order to cope with any adverse conditions. Henceforth, the need arises to perfectly figure out a business continuity management plan and also ensure a research on the key risk indicators.
Questions might arise, keeping in mind the capabilities of some of the insurers in terms of an immobile reinsurance market. Owing to a static life insurance coverage situation and pertaining to the HHS prophecy, the worth of death claims from the flu for group life insurance would amount to $11 billion and $20 billion in terms of individual life insurance, resulting in a sum total of $31 billion.
The insurance industry is adorned by some companies who have a strong financial potential, but at the same time it also has some dark patches in terms of some relatively weaker ones. A ‘severe pandemic’ might just sound too harsh on a small fry to survive.
Under such consequences an absorption of the smaller players by their home state’s insurance department would seem inevitable. This influenza pandemic would certainly invite quite a handful of the industry dilemmas beyond the claims. The count of the aftermath would be gradually unfolded within a span of six to nine months. This in turn might see the investment markets slowly gaining back control within a period of time. An abrupt increase in the workload and a sudden reduction in the workforce would certainly raise a wall in front of the employing insurers.
Would you leave your life insurance to your pets?
Some people are of the mind set that what money they can’t take with them they are not going to give their children. This is the type of mindset that says I earned my money and when I go if my kids want to have the same amount of money then they need to work for it.
Personally I would give the majority of my money to my family and maybe 5 to 10% to a charity. But then I am the type of person who has a college fund setup so I can help my nieces and nephews out, and any grandchildren when they come.
A friend of the family has when she dies a stipulation that 20% of her estate goes to I believe it was a cancer related charity. Which for her net worth would come out to 200-400k and the rest is divided between her family.
how I can revive the stolen car?
I have lost a car. It has been stolen from the parking zone. Can you suggest me ways as to how I can revive the car. Or what could be the measures i should take to avoid such happenings?
answer:
It is generally the police that will locate your vehicle. Normally this does not mean they go looking for it but they may release an advisory to look for it with their patrol.
as for preventing it in the future you can get a car alarm, the club for you steering wheel and the club for your break/gas pedal. But all of these are just a deterrent. There is no guaranteed way to prevent vehicle theft. Every method of preventing it has an accompying way to get around it. Oh there is also the gas shutoff switch and ignition kill switches both of which can be bypassed.
So what I guess I am saying is you can add deterrents to your vehicle but no real sure fire prevention mechanism.
Just make sure you file a police report and file a claim with your insurance including the police report.
blood and urine test for insurance purposes
I am going to have a blood and urine test for insurance purposes. I smoke marijuana often. Will the tests results show that information?
answer:
I believe the results will disclose that information. Even when one of my friends got his latent tuberculosis test results, it was disclosed after all that he was too much into smoking!
This is just a routine test before the underwriters approve your application. But yes, these medical tests if proved positive may increase your initial premiums by a few bucks.
Many life or health insurance company will flat decline your application if any medical testing shows the use of illegal drugs.
Are You Looking For A Devil Tattoo Design?
By Derek Cladek
If you are looking for a devil tattoo, does that mean you are a bad person? Usually devil tattoo designs are not the most sought after tattoo because of their reputation. A devil is a representation of a bad person, someone who is evil, unlikable and something that others wish to stay away from. So you can see why many people would want to opt in for an angel tattoo instead. The devil tattoo on the other hand is still an option as a tattoo design. Many people look for this type of tattoo for many reasons and it’s not always about being bad.
The Real Causes Of Racism
By Elaine SiheraRacism is pernicious, particularly hurtful to those on the receiving end, and is little understood. Its causes are not just social, neither can they be remedied in an instant. Racism goes much deeper than simple social factors and it stems, primarily, from the following four causes:
1. Instinctive reaction for species protection: It is the most natural thing in the world to gravitate towards our own kind, to recruit in our own image and likeness and to feel comfortable with people who outwardly look like us, reflect who we are and behave like us. We are all ingrained with a sense of self protection, especially of our culture, territory, family, the things we cherish and which form our identity. Racism comes out of a desire to protect all of that, as well as our roots and our species. Anything which isn’t like us immediately becomes threatening and, where it is also perceived to be inferior, the prejudice towards it in order to protect our own becomes even more lethal and menacing.
What happens to your body in a car crash
THE NECK
At 40mph the sudden whipping movement of the head could cause serious injuries in. the neck. Shortly after impact (about 150 milliseconds), the spine undergoes what is called an S-shaped curve in this position, rather than simply being curved to the front in a normal C-shape as it would be at rest. It takes on an altered form.
When this ‘whiplash’ occurs, the lower part of the spine moves well beyond its normal range of motion, causing injury to the ligaments and discs (the fluid-filled sacks between your spinal bones) in that area.
How does prior damage on my car affect me?
Are you dealing with a stubborn insurance adjuster?
THE CHEST CAVITY
Much in the same way that the brain is damaged by impacting with the skull, the other internal organs can suffer a similar fate. Internal injuries from a car accident can include damage to bowels, kidneys, spleen, liver, lungs and the heart.
Fractured ribs are quite common at low speeds, and these may also puncture lungs and other internal organs. Torn spleens are also a frequent injury and may require extensive hospitalisation.
THE SPINE
If you are involved in a car accident at a speed greater than 45mph it can be assumed that you have a spinal injury. Below that speed you shouldn’t create forces large enough to cause paralysis.
The force at which your body is jolted backwards and forwards and side-to-side often damages discs, causing them to perforate. In more serious accidents the actual bones can be forced together with such ferocity that they can fracture, damaging the spinal cord, which will result in paralysis.
THE PELVIS AND HIPS
In a 40mph car accident, the pelvis is often thrown forward into the steering column, dashboard or other hard structure. This impact can fracture or smash the pelvis, often opening up the hip joint – an injury which as well as being very painful is extremely difficult to fix. A smashed pelvis can also damage or rupture other organs, such as the spleen and bowels.
THE HEAD
Head injuries are the cause of 50 per cent of all automotive-related fatalities. Injury is caused by the sudden forward movement of the head and impact with the inside of the car.
This ‘headbutting’ effect can cause the brain to smash into the skull, which damages tiny blood vessels inside. These burst open, causing blood to flood the brain, eventually causing coma and death. Brain injury could be severe at 40mph.
THE KNEES
The forward movement into the dash often causes damage to the kneecap and surrounding tendons. Even at low speeds these impacts can cause damage so severe it affects your ability to walk for life.
THE ANKLES
Because of their relatively weak nature, ankles can easily break and are often shattered in car accidents as the foot is forced against the pedals and dash. Twisting is the main cause, as the foot is forced into an unnatural shape, causing snapping of bones and ligaments.
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Negative Effects of Caffeine- True or False?
By Patrick Austin
Caffeine is prevalent in many beverages on the market, including coffee, tea, sodas, and energy drinks (of course). But some people worry—are there negative effects of caffeine? This question has lead to many heated debates about the safety of caffeine consumption. Some people believe it’s dangerous to consume large amounts of caffeine on a regular basis, while others contend that caffeine is a harmless stimulant that helps them get through the day.
Flood Zones
By Max Bellamy
As one of the most common natural disasters in the world, floods occur everywhere. While no location is immune to flooding, they all have their own Flood Protection Elevation (FPE), which gives a minimum height below which your property may be damaged by floodwaters.
20 Interesting Things About Europe
Europe has been the center of much of Western Civilization throughout the history of mankind. Here are 20 interesting things about Europe you should know, but may not.
20 Interesting Things About Europe
With the amazing history of Europe, picking 20 things out can be a controversial effort to say the least, but here we go anyway.
1. Europe is the second smallest continent with roughly 4 million square miles.
2. Europe is designated as a continent for political reasons. There is no geographic basis for the claim.