tag:blogger.com,1999:blog-77115210587015521322012-02-16T18:57:00.076-08:00arhathttp://www.blogger.com/profile/06346378815778575014noreply@blogger.comBlogger71100tag:blogger.com,1999:blog-7711521058701552132.post-65895697166449112802010-06-27T12:31:00.000-07:002010-06-27T12:35:27.187-07:00The 1998 FIFA World Cup, the 16th FIFA World Cup, was held in France from 10 June to 12 July 1998. France was chosen as host nation by FIFA on 2 July 1992. The tournament was won by France, which beat Brazil 3-0 in the final. France won its first title, becoming the seventh nation to win a World Cup, and the sixth nation (after Uruguay, Italy, England, West Germany and Argentina), to be both host and world champion. <br /> <br />This was the first FIFA World Cup to host 32 national teams in the group round. The official match ball was the Adidas Tricolore. <br />Qualification <br />Main article: 1998 FIFA World Cup qualification <br />Qualifying countries <br /> <br />Four nations qualified for the World Cup for the first time: Croatia, Jamaica, Japan, and South Africa. <br />[edit] Seeding <br />Main article: 1998 FIFA World Cup seeding <br /> <br />Germany, Italy, Argentina, Spain, Romania and the Netherlands were seeded along with defending champion Brazil and host France. For the first time in FIFA's history, the draw took place in a football stadium - Stade Vélodrome in Marseilles, on 4 December 1997. <br /> <br />Norway was the last remaining European team in Pot 3, destined to be in Brazil or Argentina's group, which was the former. <br /> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/index.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/vearrthinde.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/obereazdei.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/meslytemp.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/zdeid.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/herlivi.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/yelyosl.html</div> <br /><div style="display:none;"> http://wolrd-cup.3arhat.cz.cc/qurlygi.html</div> <br /><div style="display:none;"> 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http://06-cup.3arhat.cz.cc/qunonne.html</div> <br /><div style="display:none;"> http://06-cup.3arhat.cz.cc/keves.html</div> <br /><div style="display:none;"> http://06-cup.3arhat.cz.cc/therlit.html</div> <br /><div style="display:none;"> http://06-cup.3arhat.cz.cc/bellakh. <br /> <br />Summary <br /> <br />The format of the competition was different from 1994, as the finals were expanded from 24 to 32 teams. The 32 teams were divided into eight groups of four. The eight group winners and the eight group runners-up would qualify for the knockout stage. Starting in this tournament, all teams had to travel in group stage, and stadiums held matches for multiple groups. <br /> <br />The golden goal rule was also introduced to decide knockout matches which went into extra time. Another change in the rules came into effect at this World Cup, stating that as regulation time was about to expire in any period of play the fourth official would use a handheld electronic display to show how many minutes of stoppage time were to be played. This practice has continued since then, after being well received by media and spectators alike. <br /> <br />The tournament opened with 1994 FIFA World Cup champions Brazil's 2-1 victory over Scotland. Norway pulled the shock of Group A, topping the holders 2-1 after two late goals. Still, both teams advanced to the next round. Italy easily won Group B, with Chile's three draws enough for them to get through. The Italy-Chile clash which ended 2-2 saw Italy's Roberto Baggio cast aside the spectre of his miss in the penalty shootout in the final 4 years earlier: this time around his highly controversial spot-kick earned Italy a draw. <br />France 98 mascot. <br /> <br />France swept Group C, with the lone blemish being the red card expulsion and two-game suspension of Zinedine Zidane in a 4-0 win over Saudi Arabia. Denmark also moved on from the group. Nigeria was the surprise winner of Group D, dubbed the group of death, as Spain once again failed to live up to high pre-cup expectations. Nigeria beat them 3-2 in a thrilling game and moved on to the next round together with Paraguay. <br /> <br />Netherlands and Mexico moved on from Group E, a group that saw four games end in draws. Mexico came from behind in two of those four games that ended in a draw after being down two goals in both games. Germany and Yugoslavia made easy work of Group F. <br /> <br />A late goal for Romania saw them beat England 2-1 and take the top spot in Group G; the English finished second. Argentina swept Group H, joined by Croatia in the second round. <br /> <br />In the second round, Italy beat Norway 1-0 and Brazil made easy work of Chile, 4-1. Laurent Blanc of France scored the first Golden Goal in World Cup history as the hosts beat Paraguay 1-0. Denmark surprised Nigeria, crushing them 4-1. Germany beat Mexico and Netherlands topped Yugoslavia by identical 2-1 scores. Croatia upset Romania 1-0. Argentina beat England on penalties after drawing 2-2 in a game that saw a stunning goal from 18-year-old Michael Owen, and two fairly debatable penalty awards (one for each side) which were both scored. The game was marred by England's David Beckham being sent off after kicking Diego Simeone: despite being a man down, England fashioned the better chances and were unfortunate that an extra-time goal by Sol Campbell was disallowed after Alan Shearer was, also debatably, adjudged to have fouled the Argentine keeper. <br /> <br />France beat Italy in the quarter-finals on penalties after a scoreless draw. Brazil topped Denmark 3-2 in an exciting game. Croatia pulled perhaps the biggest shocker of the tournament, crushing Germany 3-0. The Netherlands-Argentina match was marred by violence; the Netherlands was reduced to 10 men early on after a tackle by Artur Numan injured Diego Simeone and Simeone had to be carried off the field for treatment. Late in the match, Argentina star Ariel Ortega received a red card for head-butting Dutch goalkeeper Edwin van der Sar after van der Sar confronted Ortega on the latter's play-acting attempt to draw a penalty[1]. Shortly after Ortega's sending off, Dennis Bergkamp of the Netherlands scored a memorable goal, finishing from a 60-yard pass to eliminate Argentina 2-1. <br /> <br />In the semi-finals, striker Patrick Kluivert equalized late for the Netherlands to make it 1-1, but the Brazilians won on penalties. They were joined by France, as veteran defender Lilian Thuram scored two goals with stunning runs from the right hand side of the pitch to overcome Golden Boot winner Davor Šuker's opener for Croatia. The Croats beat the Dutch for third place. <br /> <br />For the first time ever, the final featured the host nation and the defending champions. Zinedine Zidane scored two headers from corners in the 27th minute and in first half stoppage time, and Emmanuel Petit added a late goal in second half stoppage time to give France a 3-0 win over Brazil. An estimated one million people took to the Paris streets to celebrate through the night. France became the seventh country to have won the world cup, joining Uruguay, Italy, Germany, Brazil, England and Argentina. <br /> <br />The official song for the event was The Cup of Life by Ricky Martin, and the official anthem was La Cour des Grands by Youssou N'Dour and Axelle Red. <br />[edit] Mascot <br /> <br />The official mascot of this World Cup was Footix, a cockerel with the words "FRANCE 98" on the chest. 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/><a href=http://06-cup.3arhat.cz.cc/bellakh.html> soccer worldcup 2010 </a> <br /> <br /><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7711521058701552132-6589569716644911280?l=arhat-allaboutsport.blogspot.com' alt='' /></div>arhathttp://www.blogger.com/profile/06346378815778575014noreply@blogger.com0tag:blogger.com,1999:blog-7711521058701552132.post-68699115464447329462010-06-21T11:56:00.000-07:002010-06-21T12:03:55.689-07:00USA <br /> <br />Aside from simple wagers—betting a friend that one's favorite baseball team will win its division, for instance, or buying a football "square" for the Super Bowl--sports betting is commonly done through a bookmaker. <br /> <br /> * Proposition bets. These are wagers made on a very specific outcome of a match. Examples include guessing the number of goals each team scores in a handball match, betting whether a player will score in a football game, or wagering that a baseball player on one team will accumulate more hits than another player on the opposing team. <br /> * Parlays. A parlay involves multiple bets (usually up to 12) and rewards successful bettors with a large payout. For example, a bettor could include four different wagers in a four-team parlay, whereby he is wagering that all four bets will win. If any of the four bets fails to cover, the bettor loses the parlay, but if all four bets win, the bettor receives a substantially higher payout (usually 10-1 in the case of a four-teamer) than if he made the four wagers separately. <br /> * Progressive parlays. A progressive parlay involves multiple bets (usually up to 12) and rewards successful bettors with a large payout, but not as large as normal parlays. However in a progressive parley, unlike a regular parley, some of the bets can lose, and a reduced payout will still be made. <br /> * Teasers. A teaser allows the bettor to combine his bets on two or more different games. The bettor can adjust the point spreads for the two games, but realizes a lower return on the bets in the event of a win. <br /> * Run line, puck line or goal line bets. These are wagers offered as alternatives to straight-up/moneyline prices in baseball, hockey or soccer, respectively. These bets feature a fixed point spread that (usually) offers a higher payout for the favorite and a lower payout for the underdog (both in comparison to the moneyline). For example, the above-described Brewers/Cubs baseball game might offer a run line of Milwaukee -1.5 (+100) and Chicago +1.5 (-120). A bettor taking Milwaukee on the run line can avoid risking $200 to win $100 on the moneyline, but will collect only if the Brewers win by 2 runs or more. Similarly, a run line wager on the Cubs will pay if Chicago loses by no more than a run, but it requires the bettor to risk $120 to win $100. Bettors may also wager on so-called alternate run, puck, or goal lines, which offer decreased payouts on the favorite and increased payouts on the underdog. Once again using the Brewers/Cubs baseball game as an example, a sportsbook might offer an alternate run line of Milwaukee +1.5 (-300) and Chicago +1.5 (+270). <br /> * Future wagers. While all sports wagers are by definition on future events, bets listed as "futures" generally have a long-term horizon measured in weeks or months; for example, a bet that a certain NFL team will win the Super Bowl for the upcoming season. Such a bet must be made before the season starts in September, and winning bets will not pay off until the conclusion of the Super Bowl in January or February (although many of the losing bets will be clear well before then and can be closed out by the book). Odds for such a bet generally are expressed in a ratio of units paid to unit wagered. The team wagered upon might be 50-1 to win the Super Bowl, which means that the bet will pay 50 times the amount wagered if the team does so. <br /> * Head-to-Head. In these bets, bettor predicts competitors results against each other and not on the overall result of the event. One example are Formula One races, where you bet on two or three drivers and their placement among the others. Sometimes you can also bet a “tie”, in which one or both drivers either have the same time, drop out, or get disqualified. <br /> * Totalizators. In totalizators (sometimes called flexible-rate bets) the odds are changing in real-time according to the share of total exchange each of the possible outcomes have received taking into account the return rate of the bookmaker offering the bet. For example: If the bookmakers return percentage is 90%, 90% of the amount placed on the winning result will be given back to bettors and 10% goes to the bookmaker. Naturally the more money bet on a certain result, the smaller the odds on that outcome become. <br /> <br /> * See also Sports betting systems <br /> <br />[edit] Bookmaking <br /> <br />The general role of the bookmaker is to act as a market maker for sports wagers, most of which have a binary outcome: a team either wins or loses. The bookmaker accepts both wagers, and maintains a spread (the vigorish) which will ensure a profit regardless of the outcome of the wager. The Federal Wire Act of 1961 was an attempt by the US government to prevent illegal bookmaking[1]. 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href=http://betting-sports.pectrom.co.cc/xaliersshin.html> 2010 kentucky derby odds </a> <br /><a href=http://golf-betting.pectrom.co.cc/wrexcha.html> coral betting </a> <br /><a href=http://horse-betting.pectrom.co.cc/trussoz.html> sports betting strategy </a> <br /><a href=http://horse-betting.pectrom.co.cc/vedre.html> off track betting arizona </a> <br /><a href=http://betting-sports.pectrom.co.cc/lyesatheden.html> kentucky derby 2010 odds </a> <br /><a href=http://horse-betting.pectrom.co.cc/iughe.html> web betting </a> <br /> <br /> <br /> <br />Odds <br /> <br />Odds for different outcomes in single bet are presented either in European format (decimal odds), UK format (fractional odds), or American format (moneyline odds). European format (decimal odds) are favoured in continental Europe, Canada, and Australia. They are the ratio of the full payout to the stake, in a decimal format. Decimal odds of 2.00 are an even bet. UK format (fractional odds) are favoured by British bookmakers. They are the ratio of the amount won to the stake. Fractional odds of 1/1 are an even bet. US format odds are favoured in the United States. They are the amount won on a 100 stake when positive and the stake needed to win 100 when negative. US odds of 100 are an even bet. <br />Decimal Fractional US HongKong Indo Malay <br />1.50 1/2 -200 0.50 -2.00 0.50 <br />2.00 1/1 +100 1.00 1.00 1.00 <br />2.50 3/2 +150 1.50 1.50 -0.67 <br />3.00 2/1 +200 2.00 2.00 -0.50 <br />Conversion formulas x To Do this <br />Decimal Fractional x-1 , then convert to fraction <br />Decimal US 100*(x-1) if x>=2; -100/(x-1) if x<2 <br />Fractional Decimal divide fraction, then x+1 <br />Fractional US divide fraction, then 100*x if x>=1; -100/x if x<1 <br />US Decimal (x/100)+1 if x>0; (-100/x)+1 if x<0 <br />US Fractional x/100, then convert to fraction if x>0; -100/x, then convert to fraction if x<0 <br />Decimal HongKong x-1 <br />HongKong Indo x if x>=1; (1/x)*-1 if x<1 <br />HongKong Malay x if x<=1; (1/x)*-1 if X>1 <br /> <br />In Asian betting markets, other frequently used formats for expressing odds include Hong Kong, Malay, and Indonesian-style odds formats. Odds are also quite often expressed in terms of implied probability, which corresponds to the probability with which the event in question would need to occur for the bet to be a breakeven proposition (on the average). <br /> <br />Many online tools also exist for automated conversion between these odds formats. <br />[edit] Legality <br /> <br />In the USA, the Professional and Amateur Sports Protection Act of 1992 makes it illegal to operate a scheme except for in a few states. In many European nations bookmaking (the profession of accepting sports wagers) is regulated but not criminalized. The NCAA has threatened to ban all playoff games in Delaware if the state allows betting on college sports.[3] New Jersey, which is also interested, has been similarly threatened.[4] Proponents of legalized sports betting generally regard it as a hobby for sports fans that increases their interest in particular sporting events, thus benefiting the leagues, teams and players they bet on through higher attendances and television audiences. Opponents fear that, over and above the general ramifications of gambling, it threatens the integrity of amateur and professional sport, the history of which includes numerous attempts by sports gamblers to fix matches, although proponents counter that legitimate bookmakers will invariably fight corruption just as fiercely as governing bodies and law enforcement do. Most sports bettors are overall losers as the bookmakers odds are fairly efficient. However, there are professional sports bettors[citation needed] that make a good income betting sports, many of which utilize sports information services. <br /> <br />In areas where sports betting is illegal, bettors usually make their sports wagers with illicit bookmakers (known colloquially as "bookies") and on the Internet, where thousands of online bookmakers accept wagers on sporting events around the world. <br /> <br /> <br /><div style="display:none;"> http://horse-betting.pectrom.co.cc/thicered.html</div> <br /><div style="display:none;"> http://ufc-betting.pectrom.co.cc/rdryedomial.html</div> <br /><div style="display:none;"> http://ufc-betting.pectrom.co.cc/datheeernof.html</div> <br /><div style="display:none;"> http://ufc-betting.pectrom.co.cc/dingryeveck.html</div> <br /><div style="display:none;"> http://golf-betting.pectrom.co.cc/vedersun.html</div> <br /><div style="display:none;"> http://ufc-betting.pectrom.co.cc/yobokito.html</div> <br /><div style="display:none;"> 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football and tennis, and especially horse racing and greyhound racing. They also specialize in novelty events such as betting that there will be a white Christmas, the outcome of political elections and reality television contests. <br />[edit] Operational procedures <br />Main article: Mathematics of bookmaking <br /> <br />By adjusting the odds in his favor or by having a point spread, the bookmaker will aim to guarantee a profit by achieving a 'balanced book', either by getting an equal number of bets for each outcome, or (when he is offering odds) by getting the amounts wagered on each outcome to reflect the odds. When a large bet comes in, a bookmaker can also try to lay off the risk by buying bets from other bookmakers. The bookmaker does not generally attempt to make money from the bets themselves, but rather profiting from the event regardless of the outcome. Their working methods are similar to that of an actuary, who does a similar balancing of financial outcomes of events for the assurance and insurance industries. <br />[edit] Legality <br /> <br />Bookmaking may be legal or illegal, and may be regulated; in the United Kingdom it was at times both regulated and illegal, in that licences were required but no debts arising from gambling could be enforced through the courts. Now, since the inception of the National Lottery, not only is it completely legal in the UK, it is a small contributor to the British economy, with a recent explosion of interest with regard to the international gaming sector industry. However, gambling debts still remain unenforceable under English law. [citation needed] <br /> <br />Bookmaking is generally illegal in the United States, with Nevada being a notable exception.[citation needed] <br /> <br />In some countries, such as Singapore, Sweden, Canada, Hong Kong and Japan, the only legal bookmaker is state-owned and operated. In Canada, this is part of the lottery program and is known as Sport Select. <br /> <br />In the United Kingdom, trusted legal bookmakers are members of IBAS, which is an industry standard organization which resolves to settle disputes. <br />[edit] United Kingdom gambling industry <br /> <br />Traditionally, bookmakers have been located at the racecourse, but improved TV coverage and modernisation of the law have allowed betting in shops and casinos in most countries. In the UK, on-track bookies still mark up the odds on boards beside the race course and use tic-tac or mobile telephones to communicate the odds between their staff and to other bookies, but, with the modernisation of United Kingdom Bookmaking laws, online and high street gambling are at an all-time high, with a so-called Super Casino having been planned for construction in Manchester prior to the government announcing that this plan had been scrapped on 26 February 2008. <br /> <br />In 1961, Harold Macmillan's Conservative Government legalised betting shops and tough measures were enacted to ensure that bookmakers remained honest. A large and respectable industry has grown since. At one time there were over 15,000 betting shops in the UK. Now, through consolidation, they have been reduced to about 8,500. Currently there are four major "high street" bookmakers in the United Kingdom: William Hill, Ladbrokes, Coral, and state-owned ToteSport, with Sky Bet, Bet24, Betfred, Victor Chandler, Stan James, Sportingbet, Mansion and Bet365, rapidly emerging, in terms of turnover and event sponsorship. <br />[edit] Internet gambling <br /> <br />With the arrival of the World Wide Web, many bookmakers have an online brand, although independently owned bookmakers often still maintain a "bricks and mortar" only operation and others operate a "skin" or "white label" operation which they purchase from one of the large firms as is the case with BetDirect and Betterbet . The main websites only accept bets from countries where internet gambling is not prohibited, and from people over 18 years old. Often these websites are linked to online casinos. Controversially, the explosion in Internet gambling is being linked to an increase in gambling addiction, according to the UK's help and advice organizations for addicts, GamCare and Gamblers Anonymous. <br /> <br />Increasingly, online bettors are turning to the use of betting exchanges such as Betfair and BETDAQ, which automatically match Back and Lay bets between different bettors, thus effectively cutting out the bookmaker's traditional profit margin also called an overround. <br /> <br />These online exchange markets operate a market index of prices near but usually not at 100% competitiveness as exchanges take commissions on winnings. True Wholesale odds are odds that operate at 100% of probabilistic outcomes. <br /> <br />Some bookmakers have even taken to using betting exchanges as a way of laying off unfavorable bets and thus reducing their overall exposure. This has led insecurity from the TAB in Australia, a government-run betting agency which attempted to deny Betfair an Australian license by running unfavorable ads in the media regarding the company. When Tasmania granted Betfair a license despite these efforts the Western Australian state legislature passed a law that specifically criminalised using betting exchanges from within the state, however that law was later ruled to be unconstitutional. <br /> <br />Betting exchanges are universally disliked by the traditional bookmaker. Not only are they generally able to offer punters better odds due to their much lower overheads, but also in giving opportunities for arbitrage: the practice of taking advantage of a price differential between two or more markets, although traditionally arbitrage has always been possible by backing all outcomes with bookmakers (dutching) as opposed to laying an outcome on an exchange. Exchanges do, however, allow bookmakers to see the state of the market and can set their odds accordingly. <br /> <br />Bets are also taken via phones, using SMS text messages, though poker and other sports are more suited to other mediums. As technology moves on, the gambling world ensures it is a major player in new technology operations. <br /> <br />Most televised sports in the United Kingdom and Europe are now sponsored wholly or partly by Internet and high street bookmakers, with sometimes several bookmakers and online casinos being displayed on players' shirts, advertising hoardings, stadium signs and competition event titles, although Werder Bremen are currently fighting the German courts for the freedom to continue featuring bookmaker Bwin on their shirts, as Germany and France take action against online gamers. <br /> <br />With the recent banning of tobacco sponsorship, and the significant commercial budgets available to the gaming industry, sponsorship by car manufacturers, alcoholic drinks, soft drinks and fast food marketers is being rapidly replaced by sponsorship by gaming companies in the Far East and Europe. <br /> <br />The United Kingdom Gambling Act 2005 introduces a new regulatory system for governing gambling in Great Britain. This system includes new provisions for regulating the advertising of gambling products. These provisions of the Act came into effect in September 2007. It is an offence to advertise in the UK, gambling which physically takes place in a non-European Economic Area (EEA), or in the case of gambling by remote means, gambling which is not regulated by the gambling laws of an EEA state.[1] <br /> <br />The situation is more confused in the United States, which has attempted to restrict operators of foreign gambling websites accessing their domestic market. 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position: absolute; top: -4972px"><a href='http://auto-2009.mgsuemc.co.cc/whosadints.html'>buy now</a> </div><br /><br />The insurance, in law and the economy, is a form of management of risks used mainly to surround against the risk of a contingent loss. The insurance is defined as the equitable transference of the risk of a loss, from an organization to another one, in exchange for a prize. The insurer is the company that sells the insurance. The tariff of the insurance is a used factor to determine the amount, call the prize, to be loaded for a guaranteed amount of insurance cover. The management of risks, the practice of the valuation risk and that it controlled, have been developed as discreet field of the study and the practice.<br />Vehicle insurance (also given names as auto insurance, car insurance, or motor insurance) is insurance bought for cars, trucks, and other vehicles. Its principal use is to provide security against losses incurred as a result of traffic accidents and against legal responsibility that could be incurred in an accident.<br /><br />Coverage levels<br /><br />Vehicle insurance can cover some or all of the following items:<br /><br />• The First party<br />• The insured vehicle<br />• Third parties<br /><br />Different policies identify the situation under which each item is covered. For example, auto insurance cover against theft, fire damage, or accident damage independently.<br /><br />Surplus<br /><br />An excess payment, also known as a deductible, is the fixed contribution you must pay each time your car is repaired through your Auto Insurance policy. Normally the payment is made directly to the accident repair service centre when you collect the car. If one's car is confirmed to be a write off, the insurance company will subtract the excess settled on the policy from the settlement payment it makes to you.<br /><br />If the accident was the new driver's fault, and this is established by the third party's insurer, you'll be able to recover your excess payment from the other person's insurance company. If the other driver is uninsured, a policy's least limits include coverage for the uninsured/underinsured motorist(s) at fault.<br /><br />Obligatory Excess<br /><br />A compulsory surplus is the least surplus payment your insurer will accept on your insurance policy. least excesses vary according to your personal details, driving evidence and insurance company.<br /><br />Intentional Excess<br /><br />In order to diminish your insurance premium, you may offer to pay a higher surplus than the obligatory surplus demanded by your insurance company. Your intentional surplus is the extra amount over and above the obligatory surplus that you agree to pay in the event of a claim on the policy. As a bigger surplus reduces the financial risk carried by your insurer, your insurer is able to offer you a considerably lower premium.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7711521058701552132-2032308534216689879?l=arhat-allaboutsport.blogspot.com' alt='' /></div>arhathttp://www.blogger.com/profile/06346378815778575014noreply@blogger.com0tag:blogger.com,1999:blog-7711521058701552132.post-29979741549731837412010-01-12T09:52:00.000-08:002010-01-12T11:39:54.908-08:00Insurance, 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 and known 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. <br /> <br /><span style="font-weight:bold;">Commercially insurable risks typically share seven common characteristics.</span> <br /> <br /> 1. 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.[2] 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, proportionally the actual results are increasingly likely to become close to expected proportions. 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. <br /> 2. 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. <br /> 3. 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. <br /> 4. 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. <br /> 5. 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. (See the U.S. Financial Accounting Standards Board standard number 113) <br /> 6. 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. <br /> 7. 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. <br /> <br /> <br />The technical definition of "indemnity" means to make whole again. There are two types of insurance contracts; <br /> <br /> 1. an "indemnity" policy and <br /> 2. a "pay on behalf" or "on behalf of"[3] policy. <br /> <br />The difference is significant on paper, but rarely material in practice. <br /> <br />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). <br /> <br />Under the same situation, a "pay on behalf" policy, the insurance carrier would pay the claim and the insured (the homeowner) would not be out of pocket for anything. Most modern liability insurance is written on the basis of "pay on behalf" language. <br /> <br />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: the 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. <br /> <br /> <br />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 (i.e., reserves), the remaining margin is an insurer's profit. <br /> <br /> <br /><span style="font-weight:bold;">Underwriting and investing</span> <br /> <br />The business model can be reduced to a simple equation: Profit = earned premium + investment income - incurred loss - underwriting expenses. <br /> <br />Insurers make money in two ways: <br /> <br /> 1. Through underwriting, the process by which insurers select the risks to insure and decide how much in premiums to charge for accepting those risks; <br /> 2. By investing the premiums they collect from insured parties. <br /> <br />The most complicated aspect of the insurance business is the underwriting of policies. Using a wide assortment of data, insurers predict the likelihood that a claim will be made against their policies and price products accordingly. To this end, insurers use actuarial science to quantify the risks they are willing to assume and the premium they will charge to assume them. Data is analyzed to fairly accurately project the rate of future claims based on a given risk. Actuarial science uses statistics and probability to analyze the risks associated with the range of perils covered, and these scientific principles are used to determine an insurer's overall exposure. Upon termination of a given policy, the amount of premium collected and the investment gains thereon minus the amount paid out in claims is the insurer's underwriting profit on that policy. Of course, from the insurer's perspective, some policies are "winners" (i.e., the insurer pays out less in claims and expenses than it receives in premiums and investment income) and some are "losers" (i.e., the insurer pays out more in claims and expenses than it receives in premiums and investment income); insurance companies essentially use actuarial science to attempt to underwrite enough "winning" policies to pay out on the "losers" while still maintaining profitability. <br /> <br />An insurer's underwriting performance is measured in its combined ratio. The loss ratio (incurred losses and loss-adjustment expenses divided by net earned premium) is added to the expense ratio (underwriting expenses divided by net premium written) to determine the company's combined ratio. The combined ratio is a reflection of the company's overall underwriting profitability. A combined ratio of less than 100 percent indicates underwriting profitability, while anything over 100 indicates an underwriting loss. <br /> <br />Insurance companies also earn investment profits on “float”. “Float” or available reserve is the amount of money, at hand at any given moment, that an insurer has collected in insurance premiums but has not been paid out in claims. Insurers start investing insurance premiums as soon as they are collected and continue to earn interest on them until claims are paid out. The Association of British Insurers (gathering 400 insurance companies and 94% of UK insurance services) has almost 20% of the investments in the London Stock Exchange. <br /> <br />In the United States, the underwriting loss of property and casualty insurance companies was $142.3 billion in the five years ending 2003. But overall profit for the same period was $68.4 billion, as the result of float. Some insurance industry insiders, most notably Hank Greenberg, do not believe that it is forever possible to sustain a profit from float without an underwriting profit as well, but this opinion is not universally held. Naturally, the “float” method is difficult to carry out in an economically depressed period. Bear markets do cause insurers to shift away from investments and to toughen up their underwriting standards. So a poor economy generally means high insurance premiums. This tendency to swing between profitable and unprofitable periods over time is commonly known as the "underwriting" or insurance cycle. <br /> <br />Property and casualty insurers currently make the most money from their auto insurance line of business. Generally better statistics are available on auto losses and underwriting on this line of business has benefited greatly from advances in computing. Additionally, property losses in the United States, due to unpredictable natural catastrophes, have exacerbated this trend. <br /> <br /> <span style="font-weight:bold;">Claims</span> <br /> <br />Claims and loss handling is the materialized utility of insurance; it is the actual "product" paid for, though one hopes it will never need to be used. Claims may be filed by insureds directly with the insurer or through brokers or agents. The insurer may require that the claim be filed on its own proprietary forms, or may accept claims on a standard industry form such as those produced by ACORD. <br /> <br />Insurance company claim departments employ a large number of claims adjusters supported by a staff of records management and data entry clerks. Incoming claims are classified based on severity and are assigned to adjusters whose settlement authority varies with their knowledge and experience. The adjuster undertakes a thorough investigation of each claim, usually in close cooperation with the insured, determines its reasonable monetary value, and authorizes payment. Adjusting liability insurance claims is particularly difficult because there is a third party involved (the plaintiff who is suing the insured) who is under no contractual obligation to cooperate with the insurer and in fact may regard the insurer as a deep pocket. The adjuster must obtain legal counsel for the insured (either inside "house" counsel or outside "panel" counsel), monitor litigation that may take years to complete, and appear in person or over the telephone with settlement authority at a mandatory settlement conference when requested by the judge. <br /> <br />In managing the claims handling function, insurers seek to balance the elements of customer satisfaction, administrative handling expenses, and claims overpayment leakages. As part of this balancing act, fraudulent insurance practices are a major business risk that must be managed and overcome. 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href=http://insurance.ironbees.co.cc/blengilyel.html> </a><a href=http://insurance.ironbees.co.cc/qureiti.html> </a><a href=http://insurance.ironbees.co.cc/tytheni.html> </a><a href=http://insurance.ironbees.co.cc/medoe.html> </a><a href=http://insurance.ironbees.co.cc/xangralush.html> </a><a href=http://insurance.ironbees.co.cc/xitthermale.html> </a><a href=http://insurance.ironbees.co.cc/pprememees.html> </a><a href=http://insurance.ironbees.co.cc/xetherofrawo.html> </a><a href=http://insurance.ironbees.co.cc/weyoerand.html> </a><a href=http://insurance.ironbees.co.cc/ghetredr.html> </a><a href=http://insurance.ironbees.co.cc/lterthi.html> </a><a href=http://insurance.ironbees.co.cc/mnersomari.html> </a><a href=http://insurance.ironbees.co.cc/ndongmidelyg.html> </a><a href=http://insurance.ironbees.co.cc/wengn.html> </a><a href=http://insurance.ironbees.co.cc/yoriomeasher.html> </a><a href=http://insurance.ironbees.co.cc/orssthic.html> </a><a href=http://insurance.ironbees.co.cc/ghrmi.html> </a><a href=http://insurance.ironbees.co.cc/medrssedin.html> </a><a href=http://insurance.ironbees.co.cc/xivengireitt.html> </a><a href=http://insurance.ironbees.co.cc/wrine.html> </a><a href=http://insurance.ironbees.co.cc/rread.html> </a><a href=http://insurance.ironbees.co.cc/xaikh.html> </a><a href=http://insurance.ironbees.co.cc/wabulia.html> </a><a href=http://insurance.ironbees.co.cc/nvericongang.html> </a><a href=http://insurance.ironbees.co.cc/evozdoukio.html> </a><a href=http://insurance.ironbees.co.cc/zinedssou.html> </a><a href=http://insurance.ironbees.co.cc/thedi.html> </a> <br /> <br /><span style="font-weight:bold;">History of insurance</span> <br /> <br />In some sense we can say that insurance appears simultaneously with the appearance of human society. We know of two types of economies in human societies: money economies (with markets, money, financial instruments and so on) and non-money or natural economies (without money, markets, financial instruments and so on). The second type is a more ancient form than the first. In such an economy and community, we can see insurance in the form of people helping each other. For example, if a house burns down, the members of the community help build a new one. Should the same thing happen to one's neighbour, the other neighbours must help. Otherwise, neighbours will not receive help in the future. This type of insurance has survived to the present day in some countries where modern money economy with its financial instruments is not widespread. <br /> <br />Turning to insurance in the modern sense (i.e., insurance in a modern money economy, in which insurance is part of the financial sphere), early methods of transferring or distributing risk were practised by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practised by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen or lost at sea. <br /> <br />Achaemenian monarchs of Ancient Persia were the first to insure their people and made it official by registering the insuring process in governmental notary offices. The insurance tradition was performed each year in Norouz (beginning of the Iranian New Year); the heads of different ethnic groups as well as others willing to take part, presented gifts to the monarch. The most important gift was presented during a special ceremony. When a gift was worth more than 10,000 Derrik (Achaemenian gold coin) the issue was registered in a special office. This was advantageous to those who presented such special gifts. For others, the presents were fairly assessed by the confidants of the court. Then the assessment was registered in special offices. <br /> <br />The purpose of registering was that whenever the person who presented the gift registered by the court was in trouble, the monarch and the court would help him. Jahez, a historian and writer, writes in one of his books on ancient Iran: "[W]henever the owner of the present is in trouble or wants to construct a building, set up a feast, have his children married, etc. the one in charge of this in the court would check the registration. If the registered amount exceeded 10,000 Derrik, he or she would receive an amount of twice as much." <br /> <br />A thousand years later, the inhabitants of Rhodes invented the concept of the 'general average'. Merchants whose goods were being shipped together would pay a proportionally divided premium which would be used to reimburse any merchant whose goods were jettisoned during storm or sinkage. <br /> <br />The Greeks and Romans introduced the origins of health and life insurance c. 600 AD when they organized guilds called "benevolent societies" which cared for the families and paid funeral expenses of members upon death. Guilds in the Middle Ages served a similar purpose. The Talmud deals with several aspects of insuring goods. Before insurance was established in the late 17th century, "friendly societies" existed in England, in which people donated amounts of money to a general sum that could be used for emergencies. <br /> <br />Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance. Insurance became far more sophisticated in post-Renaissance Europe, and specialized varieties developed. <br /> <br />Some forms of insurance had developed in London by the early decades of the seventeenth century. For example, the will of the English colonist Robert Hayman mentions two "policies of insurance" taken out with the diocesan Chancellor of London, Arthur Duck. Of the value of £100 each, one relates to the safe arrival of Hayman's ship in Guyana and the other is in regard to "one hundred pounds assured by the said Doctor Arthur Ducke on my life". Hayman's will was signed and sealed on 17 November 1628 but not proved until 1633. Toward the end of the seventeenth century, London's growing importance as a centre for trade increased demand for marine insurance. In the late 1680s, Edward Lloyd opened a coffee house that became a popular haunt of ship owners, merchants, and ships’ captains, and thereby a reliable source of the latest shipping news. It became the meeting place for parties wishing to insure cargoes and ships, and those willing to underwrite such ventures. Today, Lloyd's of London remains the leading market (note that it is not an insurance company) for marine and other specialist types of insurance, but it works rather differently than the more familiar kinds of insurance. <br /> <br />Insurance as we know it today can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses. The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan for London in 1667." A number of attempted fire insurance schemes came to nothing, but in 1681 Nicholas Barbon, and eleven associates, established England's first fire insurance company, the 'Insurance Office for Houses', at the back of the Royal Exchange. Initially, 5,000 homes were insured by Barbon's Insurance Office. <br /> <br />The first insurance company in the United States underwrote fire insurance and was formed in Charles Town (modern-day Charleston), South Carolina, in 1732. Benjamin Franklin helped to popularize and make standard the practice of insurance, particularly against fire in the form of perpetual insurance. In 1752, he founded the Philadelphia Contributionship for the Insurance of Houses from Loss by Fire. Franklin's company was the first to make contributions toward fire prevention. Not only did his company warn against certain fire hazards, it refused to insure certain buildings where the risk of fire was too great, such as all wooden houses. In the United States, regulation of the insurance industry is highly Balkanized, with primary responsibility assumed by individual state insurance departments. Whereas insurance markets have become centralized nationally and internationally, state insurance commissioners operate individually, though at times in concert through a national insurance commissioners' organization. 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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. <br /> <br />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. <br /> <br /><span style="font-weight:bold;"> Auto insurance</span> <br /> <br />A wrecked vehicle <br /> <br />Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage: <br /> <br /> 1. Property coverage pays for damage to or theft of your car. <br /> 2. Liability coverage pays for your legal responsibility to others for bodily injury or property damage. <br /> 3. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses. <br /> <br />An auto insurance policy comprises six kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. <br /> <br />In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium. <br /><span style="font-weight:bold;"> Home insurance <br /></span> <br /> <br />Home insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurances excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets. <br /> <br /><span style="font-weight:bold;">Health</span> <br /> <br />NHS Facility <br /> <br />Health insurance policies by the National Health Service in the United Kingdom (NHS) or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance, like medical insurance, is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with health insurance. <br />[edit] Accident, Sickness and Unemployment Insurance <br /> <br /> * Disability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards. <br /> * Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work. <br /> * Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance. <br /> * Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury. <br /> <br /> <span style="font-weight:bold;">Casualty</span> <br /> <br />Casualty insurance insures against accidents, not necessarily tied to any specific property. <br /> <br /> <br /> * Crime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement. <br /> * Political risk insurance is a form of casualty insurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss. <br /> <br /> <span style="font-weight:bold;">Life</span> <br /> <br /> <br />Life insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity. <br /> <br />Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance. <br /> <br />Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed. <br /> <br />In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death. <br /> <br />In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation. <br /> <br /><span style="font-weight:bold;">Property</span> <br /> <br />This tornado damage to an Illinois home would be considered an "Act of God" for insurance purposes <br /> <br />Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance. <br /> <br /> * Automobile insurance, known in the UK as motor insurance, is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars. <br /> o Driving School Insurance insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim. <br /> * Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks. <br /> * Boiler insurance (also known as boiler and machinery insurance or equipment breakdown insurance) insures against accidental physical damage to equipment or machinery. <br /> * Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded. Builder's risk insurance is coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.[15] <br /> * Crop insurance "Farmers use crop insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance."[16] <br /> * Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home. <br /> * A fidelity bond is a form of casualty insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees. <br /> * Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some portions of the country. In response to this, the federal government created the National Flood Insurance Program which serves as the insurer of last resort. <br /> * Home insurance or homeowners' insurance: See "Property insurance". <br /> * Landlord insurance is specifically designed for people who own properties which they rent out. Most house insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home insurance. <br /> * Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance. Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss. <br /> * Surety bond insurance is a three party insurance guaranteeing the performance of the principal. <br /> * Terrorism insurance provides protection against any loss or damage caused by terrorist activities. <br /> * Volcano insurance is an insurance that covers volcano damage in Hawaii. <br /> * Windstorm insurance is an insurance covering the damage that can be caused by hurricanes and tropical cyclones. <br /> <br /> <span style="font-weight:bold;">Liability</span> <br /> <br /> <br />Liability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured. <br /> <br /> * Public liability insurance covers a business against claims should its operations injure a member of the public or damage their property in some way. <br /> * Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called "D&O" for short. <br /> * Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants. <br /> * Errors and omissions insurance: See "Professional liability insurance" under "Liability insurance". <br /> * Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament. <br /> * Professional liability insurance, also called professional indemnity insurance, protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance. Notaries public may take out errors and omissions insurance (E&O). Other potential E&O policyholders include, for example, real estate brokers, Insurance agents, home inspectors, appraisers, and website developers. <br /> <br /><span style="font-weight:bold;"> Credit <br /></span> <br /> <br />Credit insurance repays some or all of a loan when certain things happen to the borrower such as unemployment, disability, or death. <br /> <br /> * Mortgage insurance insures the lender against default by the borrower. Mortgage insurance is a form of credit insurance, although the name credit insurance more often is used to refer to policies that cover other kinds of debt. <br /> * Many credit cards offer payment protection plans which are a form of credit insurance. <br /> <br /> <span style="font-weight:bold;">Other types</span> <br /> <br /> * Collateral protection insurance or CPI, insures property (primarily vehicles) held as collateral for loans made by lending institutions. <br /> * Defense Base Act Workers' compensation or DBA Insurance provides coverage for civilian workers hired by the government to perform contracts outside the U.S. and Canada. DBA is required for all U.S. citizens, U.S. residents, U.S. Green Card holders, and all employees or subcontractors hired on overseas government contracts. Depending on the country, Foreign Nationals must also be covered under DBA. This coverage typically includes expenses related to medical treatment and loss of wages, as well as disability and death benefits. <br /> * Expatriate insurance provides individuals and organizations operating outside of their home country with protection for automobiles, property, health, liability and business pursuits. <br /> * Financial loss insurance or Business Interruption Insurance protects individuals and companies against various financial risks. For example, a business might purchase coverage to protect it from loss of sales if a fire in a factory prevented it from carrying out its business for a time. Insurance might also cover the failure of a creditor to pay money it owes to the insured. This type of insurance is frequently referred to as "business interruption insurance." Fidelity bonds and surety bonds are included in this category, although these products provide a benefit to a third party (the "obligee") in the event the insured party (usually referred to as the "obligor") fails to perform its obligations under a contract with the obligee. <br /> * Kidnap and ransom insurance <br /> * Legal Expenses Insurance covers policyholders against the potential costs of legal action against an institution or an individual. <br /> * Locked funds insurance is a little-known hybrid insurance policy jointly issued by governments and banks. It is used to protect public funds from tamper by unauthorized parties. In special cases, a government may authorize its use in protecting semi-private funds which are liable to tamper. The terms of this type of insurance are usually very strict. Therefore it is used only in extreme cases where maximum security of funds is required. <br /> * Media Insurance is designed to cover professionals that engage in film, video and TV production. <br /> * Nuclear incident insurance covers damages resulting from an incident involving radioactive materials and is generally arranged at the national level. See the Nuclear exclusion clause and for the United States the Price-Anderson Nuclear Industries Indemnity Act) <br /> * Pet insurance insures pets against accidents and illnesses - some companies cover routine/wellness care and burial, as well. <br /> * Pollution Insurance which consists of first-party coverage for contamination of insured property either by external or on-site sources. Coverage for liability to third parties arising from contamination of air, water, or land due to the sudden and accidental release of hazardous materials from the insured site. The policy usually covers the costs of cleanup and may include coverage for releases from underground storage tanks. Intentional acts are specifically excluded. <br /> * Purchase insurance is aimed at providing protection on the products people purchase. Purchase insurance can cover individual purchase protection, warranties, guarantees, care plans and even mobile phone insurance. Such insurance is normally very limited in the scope of problems that are covered by the policy. <br /> * Title insurance provides a guarantee that title to real property is vested in the purchaser and/or mortgagee, free and clear of liens or encumbrances. It is usually issued in conjunction with a search of the public records performed at the time of a real estate transaction. <br /> * Travel insurance is an insurance cover taken by those who travel abroad, which covers certain losses such as medical expenses, loss of personal belongings, travel delay, personal liabilities, etc.<div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7711521058701552132-2997974154973183741?l=arhat-allaboutsport.blogspot.com' alt='' /></div>arhathttp://www.blogger.com/profile/06346378815778575014noreply@blogger.com0tag:blogger.com,1999:blog-7711521058701552132.post-17107567952711323822009-11-25T01:24:00.001-08:002009-11-25T03:25:30.936-08:00<a href="http://www.ontoplist.com/blog-directory/" title="blog directory" target="_blank">Blog Directory</a><br /><a href="http://www.ontoplist.com/?id=4b05c349462f4" target="_blank" title="Health Directory"><img src="http://www.ontoplist.com/images/ontoplist8.jpg?id=4b05c349462f4" alt="Blog directory" border="0" /></a><div class="blogger-post-footer"><img width='1' height='1' src='https://blogger.googleusercontent.com/tracker/7711521058701552132-1710756795271132382?l=arhat-allaboutsport.blogspot.com' alt='' /></div>arhathttp://www.blogger.com/profile/06346378815778575014noreply@blogger.com0tag:blogger.com,1999:blog-7711521058701552132.post-62077161701020276882009-11-24T02:01:00.000-08:002009-11-26T11:10:05.297-08:00Soccer is the biggest sport worldwide, but the biggest country when talking sport USA is not the best at soccer. That kinds of ironic in my opinion, but it because of the fact that soccer is not very popular in USA, I do not why it is not popular. But I have heard from an american that it is popular among teenage girls. So is it getting more popular? And do you think that it one day will become the national sport of USA?<br />Soccer in the usa is outshined by basaball and basketball wich i find kind of stupid because soccer is much much better.<br />According to Soccernet, Guus Hiddink remains tight-lipped about his future.<br /><br />Now that Russia has been surprisingly eliminated from World Cup contention, chances are he'll be released from his contract by the Russian football federation to pursue coaching opportunities elsewhere.<br /><br />Bleacher Report<br /><br /> Bleacher Report is where the sports bar meets the press box, the place where fan-journalists create and critique high-quality sports analysis. See for yourself.<br /><br /> * More from Bleacher Report<br /> * About Bleacher Report | Sign up<br /><br />Having enjoyed success at Chelsea last year under some very difficult circumstances, Hiddink may be inclined to return to club management, especially in the Premier League. Even a return to Real Madrid, should Manuel Pellegrini fail to mesh a cohesive and winning side, is a strong possibility for Hiddink.<br /><br />Guus Hiddink is a man who loves a challenge. I mean, why else would he risk his reputation nine years ago by assuming the management role of the South Korea national team, a squad known for precious little?<br /><br />Or, years later, agree to coach the Australian national team, knowing he'd have to not just put together a competitive team, but fight against the popularity of Australian Rules rugby, in a nation that had a low soccer profile?<br /><br />In both cases, Hiddink rose to the occasion and turned in stellar performances — both South Korea, in 2002, and Australia in 2006 played far better than expected, further solidifying Hiddink's reputation as something of a miracle worker. A stretch of a superlative, yes, but he's earned that rep.<br /><br />For a man who loves a challenge, moving back into club management may be a bit of a step back. For a manager of his profile, Hiddink's club options may be minimal. As for the Premier League, he may have two offers — Liverpool and Manchester City — if Rafa Benitez does get sacked at Liverpool. Should the Reds' below-par play continue, Hiddink may be Candidate No. 1 for Liverpool's ownership.<br /><br />Mark Hughes at City is under similar scrutiny. The Citizens are playing well, but with expectations coming after a massive cash influx of talent being ridiculously high (and some injury issues that may come back to haunt City), Hughes is expected to win and win now. Same goes for Real Madrid, if Los Galacticos continue to merely win, and not obliterate their opponents.<br /><br />Italy's Serie A may be a better option, but unless Jose Mourinho suddenly goes into a tailspin at Inter — and with AC Milan's recent better play removing the red-hot spotlight from Leonardo — chances are his options at Serie A will be limited. 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People are crazy about this sport. Lots of young men and women participate in the various national baseball tournaments held in USA. Some regional baseball tournaments are also there. You may check out the following list of information on the USA National Baseball Tournaments. You may however visit Mapsofworld for more such information.<br /><br />World Baseball Classic in USA: World Baseball Classic is a USA national baseball tournament. The abbreviation WBC is also used sometimes. It is a very popular international baseball tournament.<br /><br />Game day USA Naperville Firecracker Classic: If you are between 10U and 13U, be prepared to enlist your name for this tournament. It usually is held at the end of June. An extra date for rain is also kept. It is held in Naperville. The berths are awarded for the CABA World Series.<br /><br />Game Day USA End of Summer Bash: This tournament is held during July. The age group is 9U to 14U. The entry fee $375. The event location is also very good and players always like to play this tournament.<br /><br />The list doesn't finish here. There are many other national and international baseball tournaments in USA. To know more about these USA National Baseball Tournaments you may log on to Mapsofworld.<br />Baseball in USA, considered to be the national game of this country, is enmeshed in the cultural psyche of its people. USA Baseball has a long history to narrate, though its origin in 19th century is rather obscure and Abner Doubleday in New York has been mythically given the credit for the game's invention.<br /><br />Americans realized that the game has a unifying power in the national context when the nation passed through the miseries of the Depression of 1930s. National Baseball Hall of Fame and Museum was established in Cooperstown in this decade to which Americans made 'religious' visits. Uniforms as well as old bats and balls of bygone aces of USA Baseball are kept in this museum.<br /><br />Several baseball terms entered American lingua franca during these decades; several movies were made and novels written with baseball as background. Much of the discrimination in civil life was absent in the baseball field. Baseball in America helped many immigrants from Ireland and Germany to assert their presence in American civil life. Blacks climb up the social ladder winning baseball matches against the Whites in tournaments across the country. Baseball in America is, in a sense, a game of social emancipation in the years of racial discrimination.<br /><br />Today, the two important professional leagues of baseball in USA are the American League and the National League. The champions of these two leagues lock horns in World Series, one of the important postseason playoff series in American baseball tournaments.<br /><br />Mapsofworld tries to get a glimpse of the theme 'baseball in America' in this section. 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