Home insurance, also commonly called hazard insurance or homeowner's insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory. It requires that at least one of the named insureds occupies the home. The dwelling policy (DP) is similar, but used for residences which don't qualify for various reasons, such as vacancy/non-occupancy, seasonal/secondary residence, or age. It is a multiple-line insurance, meaning that it includes both property and liability coverage, with an indivisible premium, meaning that a single premium is paid for all risks. Standard forms divide coverage into several categories, and the coverage provided is typically a percentage of Coverage A, which is coverage for the main dwelling The cost of homeowner's insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to floods or war (whose definition typically includes a nuclear explosion from any source), amongst other standard exclusions (like termites), are excluded. Special insurance can be purchased for these possibilities, including flood insurance. Insurance should be adjusted to reflect replacement cost, usually upon application of an inflation factor or a cost index. The home insurance policy is usually a term contract a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a fire station; if the house is equipped with fire sprinklers and fire alarms; or if the house exhibits wind mitigation measures, such as hurricane shutters. Perpetual insurance, which is a type of home insurance without a fixed term, can also be obtained in certain areas.
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Web hosting service
A web hosting service is a type of Internet hosting service that allows individuals and organizations to make their own website accessible via the World Wide Web. Web hosts are companies that provide space on a server they own or lease for use by their clients as well as providing Internet connectivity, typically in a data center. Web hosts can also provide data center space and connectivity to the Internet for servers they do not own to be located in their data center, called colocation or Housing as it is commonly called in Latin America or France.
The scope of hosting services varies widely. The most basic is web page and small-scale file hosting, where files can be uploaded via File Transfer Protocol (FTP) or a Web interface. The files are usually delivered to the Web "as is" or with little processing. Many Internet service providers (ISPs) offer this service free to their subscribers. People can also obtain Web page hosting from other, alternative service providers. Personal web site hosting is typically free, advertisement-sponsored, or inexpensive. Business web site hosting often has a higher expense.
Single page hosting is generally sufficient only for personal web pages. A complex site calls for a more comprehensive package that provides database support and application development platforms (e.g. PHP, Java, Ruby on Rails, ColdFusion, and ASP.NET). These facilities allow the customers to write or install scripts for applications like forums and content management. For e-commerce, SSL is also highly recommended.
The host may also provide an interface or control panel for managing the Web server and installing scripts as well as other services like e-mail. Some hosts specialize in certain software or services (e.g. e-commerce). They are commonly used by larger companies to outsource network infrastructure to a hosting company.
The scope of hosting services varies widely. The most basic is web page and small-scale file hosting, where files can be uploaded via File Transfer Protocol (FTP) or a Web interface. The files are usually delivered to the Web "as is" or with little processing. Many Internet service providers (ISPs) offer this service free to their subscribers. People can also obtain Web page hosting from other, alternative service providers. Personal web site hosting is typically free, advertisement-sponsored, or inexpensive. Business web site hosting often has a higher expense.
Single page hosting is generally sufficient only for personal web pages. A complex site calls for a more comprehensive package that provides database support and application development platforms (e.g. PHP, Java, Ruby on Rails, ColdFusion, and ASP.NET). These facilities allow the customers to write or install scripts for applications like forums and content management. For e-commerce, SSL is also highly recommended.
The host may also provide an interface or control panel for managing the Web server and installing scripts as well as other services like e-mail. Some hosts specialize in certain software or services (e.g. e-commerce). They are commonly used by larger companies to outsource network infrastructure to a hosting company.
Best Life Insurance
Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount (at regular intervals or in lump sums). There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise. The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured. Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion. Life-based contracts tend to fall into two major categories: Protection policies – designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance. Investment policies – where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US) are whole life, universal life and variable life policies.
Healthcare Insurance United Kingdom
Healthcare in the United Kingdom is a devolved matter, meaning England, Northern Ireland, Scotland and Wales each has its own system of private and publicly-funded healthcare, together with alternative, holistic and complementary treatments. Each country having different policies and priorities has resulted in a variety of differences existing between the systems.That said, each country provides public healthcare to all UK permanent residents that is free at the point of need, being paid for from general taxation. In addition, each also has a private healthcare sector which is considerably smaller than its public equivalent, with provision of private healthcare acquired by means of private health insurance, funded as part of an employer funded healthcare scheme or paid directly by the customer, though provision can be restricted for those with conditions such as AIDS/HIV.
Taken together, the World Health Organisation, in 2000, ranked the provision of healthcare in the United Kingdom as fifteenth best in Europe and eighteenth in the world. Overall, around 8.4 per cent of the UK's gross domestic product is spent on healthcare, which is 0.5% below the Organisation for Economic Co-operation and Development average and about one percent below the average of the European Union
Taken together, the World Health Organisation, in 2000, ranked the provision of healthcare in the United Kingdom as fifteenth best in Europe and eighteenth in the world. Overall, around 8.4 per cent of the UK's gross domestic product is spent on healthcare, which is 0.5% below the Organisation for Economic Co-operation and Development average and about one percent below the average of the European Union
Health Insurance in the United State
The term health insurance is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include "health coverage," "health care coverage" and "health benefits." In a more technical sense, the term is used to describe any form of insurance that provides protection against the costs of medical services. This usage includes private insurance and social insurance programs such as Medicare, but excludes social welfare programs such as Medicaid. In addition to medical expense insurance, it also includes insurance covering disability or long-term nursing or custodial care needs. The US health care system relies heavily on private and not-for-profit health insurance, which is the primary source of coverage for most Americans. According to the United States Census Bureau, approximately 85% of Americans have health insurance; nearly 60% obtain it through an employer, while about 9% purchase it directly. Various government agencies provide coverage to about 28% of Americans (there is some overlap in these figures). In 2007, there were nearly 46 million people in the US (over 15% of the population) who were without health insurance for at least part of that year.[2] Over 1 million workers lost their health care coverage in January, February and March 2009. Approximately, 268,400 more workers lost health care coverage in March 2009 than in March 2008. Proving that today, that number is markedly higher as many workers who have lost their jobs have also lost their employer-provided health insurance.[3] The percentage of the non-elderly population who are uninsured has been generally increasing since the year 2000. There is considerable debate in the US on the causes of and possible remedies for this level of uninsurance as well as the impact it has on the overall US health care system. (see Health care reform in the United States).
Health Care Insurance in the United States
Health care in the United States is provided by many separate legal entities. Health care facilities are largely owned and operated by the private sector. Health insurance is primarily provided by the private sector, with the exception of programs such as Medicare, Medicaid, TRICARE, the Children's Health Insurance Program, and the Veterans Health Administration.
The U.S. Census Bureau reported that a record 50.7 million residents (which includes 9.9 million non-citizens) or 16.7% of the population were uninsured in 2009.[ More money per person is spent on health care in the USA than in any other nation in the world, and a greater percentage of total income in the nation is spent on health care in the USA than in any United Nations member state except for East Timor. Although not all people are insured, the USA has the third highest public healthcare expenditure per capita, because of the high cost of medical care in the country. A 2001 study in five states found that medical debt contributed to 46.2% of all personal bankruptcies and in 2007, 62.1% of filers for bankruptcies claimed high medical expenses. Since then, health costs and the numbers of uninsured and underinsured have increased.
Active debate about health care reform in the United States concerns questions of a right to health care, access, fairness, efficiency, cost, choice, value, and quality. Some have argued that the system does not deliver equivalent value for the money spent. The USA pays twice as much yet lags behind other wealthy nations in such measures as infant mortality and life expectancy, though the relation between these statistics to the system itself is debated. Currently, the USA has a higher infant mortality rate than most of the world's industrialized nations. The United States life expectancy is 42nd in the world, after some other industrialized nations, lagging the other nations of the G5 (Japan, France, Germany, UK, USA) and just after Chile (35th) and Cuba (37th).
Life expectancy in the USA is 48th in the world, below most developed nations and some developing nations. It is below the average life expectancy for the European Union. The World Health Organization (WHO), in 2000, ranked the U.S. health care system as the highest in cost, first in responsiveness, 37th in overall performance, and 72nd by overall level of health (among 191 member nations included in the study). The Commonwealth Fund ranked the United States last in the quality of health care among similar countries, and notes U.S. care costs the most.
The USA is the "only wealthy, industrialized nation that does not ensure that all citizens have coverage" (i.e., some kind of private or public health insurance). In 2004 the U.S. a Institute of Medicine report observed "lack of health insurance causes roughly 18,000 unnecessary deaths every year in the United States." while a 2009 Harvard study estimated that 44,800 excess deaths occurred annually due to lack of health insurance.
On March 23, 2010, the Patient Protection and Affordable Care Act (PPACA) became law, providing for major changes in health insurance.
The U.S. Census Bureau reported that a record 50.7 million residents (which includes 9.9 million non-citizens) or 16.7% of the population were uninsured in 2009.[ More money per person is spent on health care in the USA than in any other nation in the world, and a greater percentage of total income in the nation is spent on health care in the USA than in any United Nations member state except for East Timor. Although not all people are insured, the USA has the third highest public healthcare expenditure per capita, because of the high cost of medical care in the country. A 2001 study in five states found that medical debt contributed to 46.2% of all personal bankruptcies and in 2007, 62.1% of filers for bankruptcies claimed high medical expenses. Since then, health costs and the numbers of uninsured and underinsured have increased.
Active debate about health care reform in the United States concerns questions of a right to health care, access, fairness, efficiency, cost, choice, value, and quality. Some have argued that the system does not deliver equivalent value for the money spent. The USA pays twice as much yet lags behind other wealthy nations in such measures as infant mortality and life expectancy, though the relation between these statistics to the system itself is debated. Currently, the USA has a higher infant mortality rate than most of the world's industrialized nations. The United States life expectancy is 42nd in the world, after some other industrialized nations, lagging the other nations of the G5 (Japan, France, Germany, UK, USA) and just after Chile (35th) and Cuba (37th).
Life expectancy in the USA is 48th in the world, below most developed nations and some developing nations. It is below the average life expectancy for the European Union. The World Health Organization (WHO), in 2000, ranked the U.S. health care system as the highest in cost, first in responsiveness, 37th in overall performance, and 72nd by overall level of health (among 191 member nations included in the study). The Commonwealth Fund ranked the United States last in the quality of health care among similar countries, and notes U.S. care costs the most.
The USA is the "only wealthy, industrialized nation that does not ensure that all citizens have coverage" (i.e., some kind of private or public health insurance). In 2004 the U.S. a Institute of Medicine report observed "lack of health insurance causes roughly 18,000 unnecessary deaths every year in the United States." while a 2009 Harvard study estimated that 44,800 excess deaths occurred annually due to lack of health insurance.
On March 23, 2010, the Patient Protection and Affordable Care Act (PPACA) became law, providing for major changes in health insurance.
Scholarships United States
In the United States, athletic scholarships are largely regulated by the National Collegiate Athletic Association. There are also JUCO's and NAIA, National Association of Independent Athletics. In 1973, the NCAA split its membership into three divisions: Division I, Division II, and Division III. Under NCAA rules, Division I and Division II schools can offer scholarships to athletes for playing a sport. Division III schools may not offer any athletic scholarships. Generally, larger schools compete in Division I and smaller schools in II and III.
Division I football is further divided into the Football Bowl Subdivision (FBS, formerly I-A) and Football Championship Subdivision (FCS, formerly I-AA). The two differ in several ways:
Institutions that engage in misconduct may be stripped of the ability to award a certain number of athletic scholarships. The ultimate penalty, the suspension of an entire athletic program from participation for a set period of time, is popularly known as "The Death Penalty"; it has only been levied three times against schools now in Division I: against Kentucky basketball in 1952, Southwestern Louisiana (now Louisiana-Lafayette) basketball in 1973, and SMU football in 1986.
Division I football is further divided into the Football Bowl Subdivision (FBS, formerly I-A) and Football Championship Subdivision (FCS, formerly I-AA). The two differ in several ways:
- Postseason system: FBS uses postseason bowl games, while FCS uses a single elimination playoff, expanding from 16 to 20 teams in 2010.
- Number of football scholarships: FBS schools are allowed 85 players receiving athletic aid, while FCS schools are allowed 63 scholarships. The wording is a very important distinction for another reason.
- Awarding of partial scholarships: Because each player receiving athletic aid for football counts fully against an FBS team's scholarship limit, this effectively means that all players awarded football scholarships at FBS schools receive full scholarships. On the other hand, FCS schools are allowed to divide their 63 scholarships among no more than 85 individual players.
Institutions that engage in misconduct may be stripped of the ability to award a certain number of athletic scholarships. The ultimate penalty, the suspension of an entire athletic program from participation for a set period of time, is popularly known as "The Death Penalty"; it has only been levied three times against schools now in Division I: against Kentucky basketball in 1952, Southwestern Louisiana (now Louisiana-Lafayette) basketball in 1973, and SMU football in 1986.
Scholarships United Kingdom
Marshall Scholarships was created by the Parliament of the United Kingdom when the Marshall Aid Commemoration Act was passed in 1953. The scholarships serve as a living gift to the United States of America in recognition of the post-World War II European Recovery Plan, commonly known as the Marshall Plan. The first class of Marshall Scholars, who began academic study in the fall of 1954, consisted of eight men and four women selected from a pool of 700 applicants. Currently, there are approximately 1,500[1] Marshall Scholar alumni, mostly residing in the United States.
Marshall Scholarships[2] provide students with two fully-funded years of study, with a possible third-year extension, at any university in the United Kingdom and applicable to any field of study. Approximately 40 Scholars are selected each year. The majority of Scholars choose to attend either Oxford, Cambridge, London School of Economics, or one of the other major London institutions, but Scholars have attended a wide range of universities throughout the UK, many of which are ranked[3][4] among the best in the world. In addition to pure academic pursuits, the program serves to provide future leaders of America with insight into the "British ideals and way of life" and to strengthen the "unique relationship" that exists between the United States and the United Kingdom. Each year, approximately four percent of university-endorsed applicants receive the scholarship, and applicants must have a GPA of 3.7 or higher to be eligible.
Marshall Scholarships[2] provide students with two fully-funded years of study, with a possible third-year extension, at any university in the United Kingdom and applicable to any field of study. Approximately 40 Scholars are selected each year. The majority of Scholars choose to attend either Oxford, Cambridge, London School of Economics, or one of the other major London institutions, but Scholars have attended a wide range of universities throughout the UK, many of which are ranked[3][4] among the best in the world. In addition to pure academic pursuits, the program serves to provide future leaders of America with insight into the "British ideals and way of life" and to strengthen the "unique relationship" that exists between the United States and the United Kingdom. Each year, approximately four percent of university-endorsed applicants receive the scholarship, and applicants must have a GPA of 3.7 or higher to be eligible.
Air travel using a vehicle like an airplane, helicopter,
Air travel is a form of travel using a vehicle like an airplane, helicopter, hot air balloon or anything else that can sustain flight.
National or domestic
A person flying from one point to another within the same country is known as a domestic flight.
International
When a person travels from a point in one country to a point within a different country it is known as an international flight.
Air travel
Travel class on an airplane is usually split into a two, three or four class model. US Domestic flights usually have two classes: Economy Class and a Domestic First Class partitioned into cabins. International flights may have up to four classes: Economy Class, Premium Economy, Business Class or Club Class and First Class.
The differences between premium economy and economy are quite significant, but the cost is not greatly altered by purchasing a Premium Economy ticket. The price difference between an economy class ticket and a first class ticket, however, are often extreme.
Most air travel starts and ends at a commercial airport. The typical procedure is check-in, border control, airport security baggage and passenger check before entering the gate, boarding, flying and pick-up of luggage and - limited to international flights - another border control at the host country's border.
National or domestic
A person flying from one point to another within the same country is known as a domestic flight.
International
When a person travels from a point in one country to a point within a different country it is known as an international flight.
Air travel
Travel class on an airplane is usually split into a two, three or four class model. US Domestic flights usually have two classes: Economy Class and a Domestic First Class partitioned into cabins. International flights may have up to four classes: Economy Class, Premium Economy, Business Class or Club Class and First Class.
The differences between premium economy and economy are quite significant, but the cost is not greatly altered by purchasing a Premium Economy ticket. The price difference between an economy class ticket and a first class ticket, however, are often extreme.
Most air travel starts and ends at a commercial airport. The typical procedure is check-in, border control, airport security baggage and passenger check before entering the gate, boarding, flying and pick-up of luggage and - limited to international flights - another border control at the host country's border.
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