Business Insurance

Business Insurance
Types of Business Insurance

Business insurance can be purchased for almost all types of business and to cover almost any risk that your business may face. The wide array of options can, in fact, make the act of choosing the right business insurance an overwhelming task. Following is a brief discussion on some of the most basic types of business insurance to help you make your choice.

Property Insurance – This business insurance generally covers losses or damages to the business location and contents. Some property insurance policies also cover the properties of other people, which happen to be under your control when the damage or loss occurred. There are also property insurance policies that insure only for a specific risk, such as fire or flooding.

Casualty Insurance – While property insurance covers damages and loss to the location of your business, casualty insurance covers loss and damages to the business itself. Some business insurance companies offer policies that lump these two types of insurance together, and that might be the best type of insurance for you to get for your business.

Liability Insurance – This type of business insurance protects your business in case your company is faced with a negligence lawsuit. It might be a good idea to purchase this type of insurance if the business you are running involves a high risk of customer complaints.

Workers’ Compensation – This business insurance protects employees in case of on-the-job injury. Regulations regarding workers’ compensation are different in every state, but it is safe to say that most states already have a workers’ compensation system in place. With this type of business insurance scheme, the business owner is required to insure all employees, and the employees are prohibited from suing their employer for damages in case of on-the-job injury.

Scripted Policy – This is the type of business insurance that works best for businesses that require a unique mixture of coverage for several different risks. For example, actors and athletes have been known to have their legs, face, or other parts of their body insured at some point. They find this type of insurance necessary since their body is their primary business asset. Such insurance policies are the best examples of a scripted business insurance policy.


Marine Insurance
Basic Information on Marine Insurance

Marine insurance, as the term itself implies, covers ships and boats along with their cargo. In some cases, this type of insurance also covers the location at which the insured ship is docked. Marine insurance has quite a colourful history, which informally began in England back in the 17th century. In fact, the laws and regulations governing today’s marine insurance policies worldwide are largely dictated by the Marine Insurance Act that was originally passed under British law. This act has, of course, already been deemed obsolete and was replaced by the modern regulations that are currently in place.

There are several different types of marine insurance. Marine cargo insurance covers only the goods that are carried on board a specified boat or ship. Inland marine insurance covers boats or other vessels that travel solely on rivers, lakes, and other inland bodies of water. General marine insurance policies usually cover the vessel itself along with its cargo, passengers, as well as liability for damages to another moving vessel or liability for damages incurred in a collision with an unmoving object.

If you own a vessel, which you usually use for recreation purposes such as cruising in a marina or sailing on a lake, you might want to consider taking out an inland marine insurance policy. If you own a yacht, purchasing special yacht insurance may also be a good idea. If you own a merchant ship that usually goes into politically unstable waters, then you might want to purchase cargo insurance along with specific war coverage.

Marine insurance can be bought either from a general insurance company or from a company that deals exclusively with this type of insurance. If you currently hold an insurance policy, you might want to check if your insurer offers special discounts for those who purchase more than one type of insurance from the

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Domain Name

E-loan

What is E-loan
E-LOAN, Inc. operates as an online provider of loans directly to consumers in the United States. It offers borrowers a variety of purchase and refinance mortgage loans, home equity loans and home equity lines of credit, and auto loans. The company originates loans through its Web site and by telephone, and funds the loans using warehouse and other lines of credit and then sells the closed loans. The loan products include conforming and jumbo fixed rate mortgages; adjustable rate mortgages; alternate ‘A’ and non-prime mortgage loans; concurrent second mortgages; home equity loans; and lines of credit. E-LOAN operates both as a mortgage broker and a mortgage lender. The company was co-founded by Christian A. Larsen in 1996 and is headquartered in Pleasanton, California.



 E-Loan, owned by Banco Popular, announced its exit from the online mortgage origination business. Reading the headlines, I first thought they'd thrown in the towel altogether. But it turns out they are discontinuing only direct mortgage originations. The company will continue to use its popular website (see traffic below) to attract potential borrowers who are handed off to other lenders, something it already does today for student, auto, personal and business loans, along with credit cards. This is a potentially lucrative fee-based business with zero credit risk.

It's a cautionary tale of how critical, and difficult, the execution piece is. These were industry darlings, always in the news and at the top of the search results. Yet, in financial services especially, you have to temper innovation with prudent underwriting and business practices.

Equity Line of Credit

 Equity Line of Credit
A combination of a line of credit and equity loan secured by real property. A maximum loan amount is established based on credit and equity. A mortgage is recorded against the potential borrower’s property for said maximum loan amount. The potential borrower has the right to borrow, as needed, up to the amount of the credit line.

A home equity line of credit is not the same as a standard home equity loan.  The difference is that with a conventional loan, you would be provided with the entire amount of the loan to use for whatever purpose it was borrowed.  On the other hand, the equity line of credit loan is literally a line of credit, much like a credit limit set on a credit card.  When you want to use some of the money, you would take it out of the established account, which would decrease the amount available.Now, with a home equity line of credit, lenders would set up what is known as a “draw period.”  This timeframe, which is anywhere from five to 25 years is the time in which you could pull money from the account to use.  In addition, some lenders will set up a loan of this type with minimum monthly payments, with the payments typically being interest only.  In most cases you would be permitted to make a payment in any dollar amount but only if it were more than the agreed upon payment.  However, you want to read the terms of the loan carefully in that often there is a hefty penalty for paying the loan off earlier than scheduled.

With a home equity line of credit, you would also find that at the end of the draw period, regardless of its duration, the full principal amount would be due.  Depending on how the loan was set up, this could be in one lump sum or balloon payment, or based on an established amortization schedule.  In other words, for a period of this type of loan, the payments being made would only go toward the interest on the loan with the actual principle amount borrowed against the equity in your home would be paid at the end of the loan.
You will also find another difference between an equity line of credit and standard loan.  With the equity loan, interest would be variable.  Usually, the amount of interest charged would be based on an index, perhaps the prime rate.  With interest being variable, it means there could be some fluctuation with market movement due to various economic changes.  It is essential when looking for the best home equity line of credit that you understand that the way in which the margin, which is the difference between prime rate and interest you would pay, is calculated varies from one lender to another.

eLoanIndia will limit the collection and use of user information only on a need-to-know basis to deliver better service to the users. eLoanIndia may use and share the information provided by the users with its Affiliates and third parties for providing services and any service-related activities such as collecting subscription fees for such services, and notifying or contacting the users regarding any problem with, or the expiration of, such services. In this regard, it may be necessary to disclose the user information to one or more agents and contractors of eLoanIndia and their sub-contractors, but such agents, contractors, and sub-contractors will be required to agree to use the information obtained from eLoanIndia only for these purposes.

The user authorises eLoanIndia to exchange, share, part with all information related to the details and transaction history to its Affiliates / banks / financial institutions / credit bureaus / agencies/participation in any telecommunication or electronic clearing network as may be required by law, customary practice, credit reporting, statistical analysis and credit scoring, verification or risk management and shall not hold eLoanIndia liable for use or disclosure of this information.
In addition, any information submitted on eLoanIndia.com including telephone/ contact numbers can/shall be

Love relationship

Love relationship

What is it about the people to whom we are most attracted that gives them the greatest potential to satisfy our deepest longings, while at the same time, the greatest likelihood to frustrate us? This is because of an unconscious image of the opposite sex which we carry deep within our mind. This image began to develop in infancy, and became fairly complete in later childhood.

That image, that mental picture, that map programmed in our unconscious mind affects both the type of person we select as a primary love partner in adult life and how we relate to them. That image is actually a synthesis of the positive and negative traits of our primary caregivers, relating to how well our early needs were met. As children, we did our best to get our caregivers to meet our needs. In most cases, our caregivers did the best they knew how to meet our needs. However, no matter how adequate our caregivers were, they could not and did not meet all our needs all the time, and that left us frustrated some of the time. Each frustration, each pain, left an imprint. Each imprint became part of a picture in that deep part of our unconscious mind. So the picture or image of the opposite sex which we formed was a combination of our caregivers' positive and negative characteristics.

When we choose a partner for a romantic relationship, we pick someone who matches the image in our unconscious. For practical purposes, our current partner is a psychological replacement of our childhood caregivers. The unfinished business, the unmet needs and emotional wounds with the early caregivers became a compelling agenda with our adult partner. The early childhood pain and frustration is unconsciously recreated with an adult partner possessing the same or similar negative traits as our early caregivers. The purpose of this unconscious recreation is expressly to bring the impasse to a resolution, to work through and heal the early pain.

Networking

Networking is the practice of linking two or more computing devices together for the purpose of sharing data. Networks are built with a mix of computer hardware and computer software.

Networks can be categorized in several different ways. One approach defines the type of network according to the geographic area it spans. Local area networks (LANs), for example, typically reach across a single home, whereas wide area networks (WANs), reach across cities, states, or even across the world. The Internet is the world's largest public WAN.


Network Design
Computer networks also differ in their design. The two types of high-level network design are called client-server and peer-to-peer. Client-server networks feature centralized server computers that store email, Web pages, files and or applications. On a peer-to-peer network, conversely, all computers tend to support the same functions. Client-server networks are much more common in business and peer-to-peer networks much more common in homes.

A network topology represents its layout or structure from the point of view of data flow. In so-called bus networks, for example, all of the computers share and communicate across one common conduit, whereas in a star network, all data flows through one centralized device. Common types of network topologies include bus, star, ring and mesh.
Network Protocols
In networking, the communication language used by computer devices is called the protocol. Yet another way to classify computer networks is by the set of protocols they support. Networks often implement multiple protocols to support specific applications. Popular protocols include TCP/IP, the most common protocol found on the Internet and in home networks.

Wired vs Wireless Networking

Many of the same network protocols, like TCP/IP, work in both wired and wireless networks. Networks with Ethernet cables predominated in businesses, schools, and homes for several decades. Recently, however, wireless networking alternatives have emerged as the premier technology for building new computer networks.

Insurance Introduction

  Insurance Introduction

Life is full of risks and accidents. People are at risk for getting injured when playing sports, riding in a car, or living in a house. Risk is uncertainty about a situation’s outcome. Risk can be unpredictable events which lead to loss or damage. Insurance is an arrangement between an individual (consumer) and an insurer (insurance company) to protect the individual against risk. Insurance plays a large role in most individual’s financial management plans.

Premium—the fee paid to the insurer to be covered under the specified terms.

Deductible—the amount paid out of pocket by the policy holder for the initial portion of a loss before the

insurance coverage begins.

Policyholder—the consumer who purchased the policy

1. Liability insurance—covers the insured if injuries or damages are caused to other people or their property; it is the minimum amount of insurance required by law for automobiles.

2. Medical payment insurance—covers injuries sustained by the driver of the insured vehicle or any passenger regardless of fault; also covers insured family members injured as passengers in any car or if they are injured while on foot as a pedestrian or while riding a bicycle.

3. Uninsured or underinsured motorists insurance—covers injury or damage to the driver, passengers, or the vehicle caused by a driver with insufficient insurance.

4. Physical damage insurance—covers damages caused to the vehicle; two optional forms of coverage are available

Malignant mesothelioma

Malignant mesothelioma

Malignant mesothelioma is an aggressive cancer with no known cure, which has become a therapeutic challenge. Onconase is one of few chemotherapeutic agents that have been studied in patients with malignant mesothelioma that has the advantage of low toxicity and limited side effects. Here, we evaluate the effect of Onconase on killing of malignant mesothelioma cells and how the phosphatidylinositol 3-kinase/AKT (PI3-K/AKT) survival pathway influences this effect. Our results show that Onconase induces apoptosis in malignant mesothelioma cell lines and that this effect is tumor cell specific. Malignant mesothelioma cell lines with the highest AKT activation, which correlated with the presence of the SV40 large and small T antigen (SV40+), were the most resistant to the drug. Finally, a cooperative effect was observed between small molecule inhibitors of PI3-K and Onconase in the killing of malignant mesothelioma cells. Our results suggest that kinase screening of individual malignant mesotheliomas for endogenous levels of activated PI3-K/AKT may be predictive of the efficacy of Onconase and possibly other chemotherapeutic agents

The processes involved in the initiation and development of malignant mesothelioma, a malignancy derived from pluripotent mesothelial cells with a variety of tumor phenotypes, including epithelial, sarcomatous, and mixed varieties (1), are under intense investigation (2). This unique tumor has been associated historically with occupational exposures to amphibole types of asbestos (1, 3). In the past few years, SV40, a DNA virus, has been linked to the etiology of mesothelioma. Multi-institutional studies show that ∼50% of human mesotheliomas in the United States contain SV40 large T-antigen DNA sequences (4, 5). Although malignant mesothelioma is a relatively rare cancer, its incidence is increasing in several countries (6). More important, the prognosis of patients with mesothelioma is grim as most survive <1 year after initial diagnosis (1, 3). Thus, effective therapeutic strategies are desperately needed.

Current treatment modalities include surgery, chemotherapy, and radiation therapy (7) and several new investigational approaches are now being tested, including intrapleural IFNγ, photodynamic therapy, immunotherapy, and gene therapy. Whereas some believe that radical surgical resection is the only chance of cure or meaningful improvement in survival, the majority of patients presenting with malignant mesothelioma are not candidates for radical surgical resection due to unresectable tumors or medical illness (8). As alternatives or complements, many chemotherapeutic agents have been studied in patients with malignant mesothelioma, either as single or combined agents, but low response rates have been found in most studies with the highest response rates generally achieved using combined treatment regimens (8). No clear standard of care has emerged and in most cases palliative treatment is used as the primary means of therapy (9).

Cytotec

Cytotec

This is  oral tablets contain either 100 mcg or 200 mcg of misoprostol, a synthetic prostaglandin E1 analog.
Misoprostol contains approximately equal amounts of the two diastereomers presented below with their enantiomers indicated by (±):
Cytotec (misoprostol) is indicated for reducing the risk of NSAID (nonsteroidal anti inflammatory drugs, including aspirin)–induced gastric ulcers in patients at high risk of complications from gastric ulcer, e.g., the elderly and patients with concomitant debilitating disease, as well as patients at high risk of developing gastric ulceration, such as patients with a history of ulcer. Cytotec has not been shown to reduce the risk of duodenal ulcers in patients taking NSAIDs. Cytotec should be taken for the duration of NSAID therapy.  
Used
Cytotec for reducing the risk of NSAID-induced gastric ulcers is 200 mcg four times daily with food

Patient should not  give cytotec   anyone else . Cytotec has been prescribed for the patient's specific condition, may not be the correct treatment for another person, and may be dangerous to the other person if she were to become pregnant.
The Cytotec package the patient receives from the pharmacist will include a leaflet containing patient information. The patient should read the leaflet before taking Cytotec and each time the prescription is renewed because the leaflet may have been revised.

Special for women's
Cytotec may cause abortion (sometimes incomplete), premature labor, or birth defects if given to pregnant women.

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