Happy New Year


http://www.emergingvoicesproject.org/blog/all-men-are-created-equal
http://www.basheawilliams.com/tax-essentials-for-smart-planning/
http://www.univie.ac.at/strv-vwl/forum/viewtopic.php?f=2&t=47&p=9901
https://www.metallica.com/blog/news/439416/mix-master-mike-one-more-reason-to-join-us-for-the
https://www.netimpact.org/blog/get-inspired-by-anna-middendorf-college-student-and-intrapreneur
https://nofilmschool.com/2017/09/indie-film-weekly-092817-podcast
https://lcc.org.uk/articles/bike-test-longtermer-kinesis-4s-disc
http://www.stfm.org/FamilyMedicine/Vol49Issue10/Talamantes759
http://www.appraisers.org/asa-newsroom/article/2014/02/12/asa-to-offer-gems-and-jewelry-appraisal-report-writing-training
https://www.stem.org.uk/news-and-views/opinions/big-futures-little-projects
http://www.icba.org/news/latest-news/finer-points-blog/finer-points/2017/09/18/short-term-investments-that-yield-enduring-gains
https://monterey.org/library/About-Us/Blogs/Library-Blogs/bruce-ariss-was-here
https://ourneighbourhoodplanning.org.uk/register
https://www.newsu.org/Celebrate-Grammar-Day-2013
https://www.lagrantfoundation.org/Our%20Blog/posts/blogpost_30
http://www.food24.com/Experts/Question/Curries-20120513
https://www.dymocks.com.au/book/guinness-world-records-2018-by-guinness-world-records-9781910561713/?findinstore=true
https://www.dymocks.com.au/forums/f2/t1184/Dinner-with-Edward
http://www.universfreebox.com/article/41212/Free-Mobile-Des-accessoires-offerts-pour-l-achat-de-Smartphones-dans-la-boutique-en-ligne
http://www.museumofthenewsouth.org/media-center/blog/ask-a-nuevolution-artist-ricardo-morales
http://www.gssiweb.org/en-ca/about/gssi-team/kortney-dalrymple-ms-cscs
https://www.preeclampsia.org/forum/viewtopic.php?f=18&p=358065
http://www.museumofthenewsouth.org/media-center/blog/charlotte-woman-of-the-year-molly-barker-2004
http://sisp.gov.br/web//one-entry?entry_id=18148831
https://www.cofece.mx/cofece/index.php/11-cofece/papel-cofece/que-hacemos/444-declaratorias#!kmt-start=706
http://www.lowryparkzoo.org/conservation/manatee-emoji-campaign/lowry-park-blogs/2017/07/06/pascow-cotee-update?ReturnUrl=http%3A//www.lowryparkzoo.org/conservation/manatee-emoji-campaign/lowry-park-blogs/2017/07/06/pascow-cotee-update
http://timreview.ca/comment/2026
http://www.eoc.wa.gov.au/community-projects/safe-schools-wa/news/2015/06/12/from-blues-to-rainbows
https://www.eurekavideo.co.uk/comment/20371
https://www.4deserts.com/atacamacrossing/view-full-blogs.php?pid=MzAyMw==&blog=145
http://www.dsr.wa.gov.au/news-and-events/news/news-articles/2014/07/02/funding-support-helps-south-west-athletes-achieve-dreams
https://www.innerfidelity.com/content/sennheiser-headphones
http://figment.com/books/2768-Nobody-Ever-Told-Me-
https://www.jacketflap.com/bookdetail.asp?bookid=149617951X
http://www.aadl.org/node/367624
https://www.revolabs.com/old-pages/home-1/blog-posts/2016-webrtc-product-of-the-year-award-is-the-sixth
http://www.alexandriagazette.com/photos/galleries/2016/mar/15/peace-awards-2016/
https://www.foodexport.org/who-we-are/success-stories/2017/07/27/dakota-specialty-enterprises-engages-in-new-export-opportunities-in-south-korea
http://www.metal-rules.com/bb/viewtopic.php?f=4&t=50099&start=3330
http://savvyb2bmarketing.com/blog/entry/189591/10-tried-and-true-ways-to-smash-marketing-writers-block-
http://www.ihatecilantro.com/story.php?story=2274
http://www.doogee.cc/bbs/viewtopic.php?f=12&t=339&start=20
http://www.hecvsante.ch/autres/news/secteurs/biblioth%C3%A8que/2013/12/03/fermeture-de-la-bibliotheque-pendant-les-fetes-de-fin-dannee
http://www.awakin.org/read/audio.php?op=play&tid=2226
http://www.liverpoolchamber.org.uk/2716/section.aspx/2715/nl_blog_241117
https://www.analogplanet.com/content/analog-corner-58
http://www.eioba.com/a/fdn/better-sex-tips-for-women
http://www.1giantmind.org/blog/2015/06/29/learn-to-meditate-in-bali-with-jonni-pollard-and-laura-poole?pg=0
http://www.completelynovel.com/articles/writing-competitions-up-to-christmas-part-2
http://www.brasilalemanha.com.br/novo_site/noticia/papst-verbietet-zigarettenverkauf-im-vatikan/9979
http://www.brasilalemanha.com.br/novo_site/noticia/piplixe-awentuure-fer-khiner-von-solange-hamester-johann/9988
http://www.literacyandnumeracyforadults.com/resources/355684
http://hawkee.com/snippet/18960/
http://goldendict.org/forum/viewtopic.php?f=12&t=27247&p=43137
http://www.literacyandnumeracyforadults.com/resources/355130
http://www.brasilalemanha.com.br/novo_site/noticia/curiosidades-na-vida-dos-pomeranos-antigos-por-ivan-seibel/10074
https://www.yourlifechoices.com.au/travel/cruising/how-not-to-pack-for-a-cruise
https://www.socap.org/knowledge-resources/key-topics/customer-experience/online-learning/2014/11/12/IVR-Best-Practices
http://www.bar1events.com/durkins/blog.php?n=1&p=000001
https://www.htcc.org/home/2016/01/08/guide-to-entering-continuing-education
http://moviecultists.com/2013/02/25/gwyneth-paltrow-gets-a-poster-and-robert-downey-jr-covers-empire/
http://www.westendumc.org/blog/gloria-a-concert-of-christmas-favorites-old-and-new
http://wishrm.org/index.php?module=express&cmd=newsviewpost&id=17
https://www.nterlearning.org/forum/-/message_boards/message/3591390?_19_threadView=combination
https://www.ibmsecu.org/resources/blog/blog/2017/10/13/4-biggest-credit-union-myths
https://www.investprogram.org/news/blog/blog/2016/06/30/invest-launches-social-media-fundraiser-pre-employment-meets-pre-tirement
http://www.1giantmind.org/blog/2015/06/29/learn-to-meditate-in-bali-with-jonni-pollard-and-laura-poole?pg=1
http://www.expo2016.org.tr/en/photo-gallery/japon-garden-bonsai-exhibition
https://www.morningstartv.com/conferences/2017/kba-17/3-keys-higher-ground-cracking-hades-code
https://www.givology.org/~mnandipa/blog/594/
http://www.africanamerica.org/blog/winners-and-losers
http://artmight.com/Users-albums/David-Ohlerking/Paintings/Motel-6-Longview-TX-USA-303053p.html/(mode)/lastuploads
http://neginmirsalehi.com/fashion/my-cosmopolitan-cover
https://www.terredeshommes.nl/en/news/children-claim-overdue-wages
http://www.smart-publications.com/blog/try-daidzein-for-healthy-bones/
http://www.carwash.org/blog-landing/ica-car-wash-blog/2015/05/28/new-vehicle-technologies---update
http://www.theperspective.org/2017/0104201702.php
http://www.westendumc.org/blog/a-reflection-on-legacy
http://www.jdunderground.com/jobs/thread.php?threadId=104293
http://www.rebootnation.org/forum/index.php?topic=14243.0
http://www.peterbenchley.com/blog/2015-06/40-years-jaws-hope-protecting-sharks-and-our-seas?page=79
http://www.getzcope.com/forum/comments.php?DiscussionID=13525&page=1
https://www.lastdaysministries.org/Articles/1000008547/Last_Days_Ministries/LDM/Discipleship_Teachings/Melody_Green/A_Happy_Heart.aspx
http://www.impact-net.org/es/bienvenido/2016/03/01/iron-workers-and-impact-focus-on-safety-and-driving-results
http://www.thefiftybest.com/tequila/best_tequila_anejo/
http://www.hilliardohio.gov/government/departments/public-service/building-division/applications-and-permits/docs/default-source/Building-Division---PDF-Applications-Forms/payment-by-credit-card-form
http://www.cmucam.org/news/18
http://www.pngec.gov.pg/irc/activities/samarai-murua/2016/03/31/samarai-murua-open-electorate-by-election/samarai-muruai-byelection-issue-of-writ
https://www.discoverdesign.org/projects/rose468/rose468s-project-2
http://www.mns.org.br/guestbook?page=17
https://informatieprofessional.nl/2017/12/abonneeractie-9x-ip-40-korting-vooruitkijknummer-2018/
http://www.caccollincounty.org/news/psas-news-releases/2017/09/19/25th-annual-teddy-bear-ride-builds-awareness-of-child-abuse-and-neglect
https://www.lukecommission.org/News-Stories/Field-News/articleType/ArticleView/articleId/277/String-of-Miracles-Sails-to-Swaziland
http://www.pogotowiedziennikarskie.pl/media-lokalne/artykuly/kurier-poranny-koksowniki-w-bialymstoku
http://www.bimbel.de/artikel/artikel-17.html
http://www.lametropole.com/blog/melanie-dugas/semaine-de-rel%C3%A2che-mission-0
http://www.mns.org.br/guestbook
http://www.debianizzati.org/content/newscontent
https://meducation.net/resources/63520-Antibiotics-summary
http://www.netherlandsfoundation.org.nz/blog/dutch-dayz/?commentStart=10
https://www.campfiretoday.org/Our%20Blog/posts/blogpost
https://www.ydnetwork.org/ydn-blog/posts/blogpost
http://goldenwest.org.au/resources/testimonials/2014/10/21/damien-baker-completes-apprenticeship
https://www.aclu.org/blog/how-far-will-court-go
http://kk.org/cooltools/ask/bluetooth-tracker-for-keys-wallet-etc/?backlink=L2Nvb2x0b29scy9hc2sv
http://www.connectionnewspapers.com/videos/2017/jan/19/16/
http://www.footballoutsiders.com/word-muth/2014/word-muth-rams-wrap
http://www.fiepr.org.br/nospodemosparana/FreeComponent2027content91948Page90.shtml
https://www.metallica.com/blog/news/439228/grammy-videos-performance-and-rehears als
https://nofilmschool.com/2017/12/indie-film-weekly-092117-podcast
https://www.netimpact.org/blog/how-can-we-correct-the-balance-between-food-production-and-food-consumption
https://www.netimpact.org/comment/1807
https://thiswaytocpa.com/exam-licensure/prep-course-reviews/products/fast-forward-academy/
http://www.studentimpactproject.org/arizona_2014_legislative_session
http://gajdy.cz/index.php?str=clanek&cislo=96
http://wonderworkstoys.com/sensory-walks-learning-through-play/
http://www.ofb.biz/safari/article/431.html
http://www.readyshelby.org/blog/coats-for-kids-donations/
http://www.turiba.lv/en/aktualitates/guests-in-turiba-students-and-heads-of-university-of-netherlands/2089/
http://www.greatbiggreenhouse.com/Great-Big-Greenhouse/September-2014/BONNIE-S-GARDEN-Grow-Your-Own-Garlic.aspx
https://www.accountingweb.com/aa/standards/op-ed-in-lease-accounting-asc-842-changes-the-rules#comment-7714
http://www.museumofthenewsouth.org/media-center/blog/meet-museum-members-polly-marcia
http://www.inlibroveritas.net/forum/sujet/118?page=1&new=1
http://www.hecvsante.ch/autres/news/secteurs/biblioth%C3%A8que/2011/08/26/lundi-29-aout-bibliotheque-fermee
http://www.bloggen.be/blognieuws/reageer.php?postID=490407
http://goldendict.org/forum/posting.php?mode=reply&f=6&t=1150
http://www.wishrm.org/index.php?module=express&cmd=newsviewpost&id=1149
https://www.solver.com/news/five-new-functions-excel-2016?page=4#comment-4242
http://peterbenchley.com/blog/2014-01/top-ten-ocean-stories-2013?page=56#comment-19476
https://www.lastdaysministries.org/Articles/1000008652/Last_Days_Ministries/LDM/Discipleship_Teachings/Melody_Green/Why_You_Shouldnt.aspx#comment_captcha
http://www.operationgadget.com/2005/03/palmones_updat.html
http://www.templeofdagon.com/forum/viewtopic.php?p=121903
http://pmzilla.com/discretionary-dependencies#comment-52693
http://www.bimbel.de/artikel/artikel-19.html
http://www.lametropole.com/blog/lametropole/maudit-soit-walt-disney
http://www.small.to/article.php/20120303085544396
http://www.pogotowiedziennikarskie.pl/porady/artykuly/edukacja-ekonomiczna-pd-innowacje-przyszloscia-polskiej-gospodarki
https://www.rthealthfund.com.au/about-us/blogs/december-2014/50-of-the-best-health-tips-ever!?saved=1
http://www.party.biz/profile/3672
http://www.our-saviors.org/education/blog/viewpost/347.html
http://disneybreak.co.uk/article.php?story=FloirdaGulfCoastGolf
https://adoptinghands.com/forums/topic/548/-/view/post_id/839
https://www.lukecommission.org/News-Stories/Field-News/articleType/ArticleView/articleId/41
http://p2m.pnl.ac.id/berita-penggunaan-hononarium.html
http://www.ligams.com/blog/cours-flash/chargement-de-donnees-externes-en-actionscript
http://www.onlinetradesmen.ie/About/News/Onlinetradesmenie-launches-new-site.aspx?ctl=ArticleView&mid=1363&articleId=44&tabid=106
http://www.ihatecilantro.com/story.php?story=2054
http://www.commonwealthpromotional.com/Blog/January-2016/Effective-Branding-101.aspx
http://dispertan.kaltimprov.go.id/berita-sekjen-kementan-apresiasi-kerjasama-peserta-rakortek-2018-dalam-upaya-tingkatkan-kinerja-pembangunan.html
http://asisaid.com/journal/article/476.html
http://www.abracadacraft.com/billet-de-blog/le-lapin-molaire-56691
http://connectoc.org/Talk/ConnectOCBlog/tabid/116/PostID/26/Supporting-Community-Health.aspx
http://citizensinchargefoundation.org/blog/trevorf/maine-citizens-urge-governor-veto-free-speech-restrictions
http://tice33.ac-bordeaux.fr/PubliScol33/Informationsauxfamilles/tabid/17880/articleType/ArticleView/articleId/6198/Default.aspx
http://averoy.mc.no/Klubben/Nyheter/tabid/175/articleType/ArticleView/articleId/466/Bli-med-p-MCMessen.aspx
http://markusegger.com/Blog/Travel.aspx?messageid=ff822b24-e06a-4251-abbd-ebcfa88b0a69
http://www.stjohnsmidtown.org/blog/drawing-the-circle-wide---report-of-the-welcoming-task-force
http://sundqvist.se/Blogg/Blogginlagg/2017%20Plock%20Juni.aspx
http://www.mommag.com/local/tri-cities/2014/1/6/prioritizing-education-how-involved-do-you-get-or-plan-to-get,-and-how-do-you-incentivize-their-effort-and-success-in-this-area
http://tnts.dirtmound.com/article.php?story=20100103191207835
http://microtrottoirs.mauriceradiolibre.com/article5/les-profs
http://www.riksettan.net/node/664
http://www.annepalmerschneider.com/blog/tsunami-alert/
http://cynthia3000.info/celine-brun-picard/blog/index.php?article45/dans-l-acte-lui-meme
http://kimdare.com/blog.php?category=&entry=4398
http://www.patnickerson.com/blog/new-paintings-new-ideas/
http://sitinjausumbar.com/berita-kawasan-tarok-city-yuniswan-secara-hukum%C2%A0-tak%C2%A0-ada-yang-dilanggar-pemda--.html
http://malangkotanews.com/berita-wartawan-malang-raya-mengajak-perangi-hoax.html
http://acp-indonesia.org/berita-basic-knowledge-of-tea-and-how-pairing-tea-with-food.html
http://multieconomie.org/Inicie/tabid/788/newsid2530/610581/co_id/192022/c_id/18275/ms_content/All/Default.aspx
http://infohajisulsel.com/berita-gelang-gps-agar-tak-tersesat.html
http://matahationline.com/berita-menpanrb-muncak-di-gunung-ijen.html
http://aclcpa.org/joe-gargas-october-2015-speaker#section-kmt
http://www.undertheradarmag.com/blog/cartozia_offers_glimpse_into_indy_anthology_creative_process/
http://www.veteransenterprise.com/index.php/news/categories/events/315-hiring-our-heroes-veteran-and-spouse-job-fair
http://www.blackperspective.com/index.php/news/categories/job-trends/196-female-and-minority-comeback-in-recovering-law-firms
http://qa.buckscounty.org/government/RowOfficers/DistrictAttorney/NewsReleasesDA/2016/12/15/upper-bucks-man-sent-to-state-prison-for-child-sex-crimes

 http://yourparks.nationalparks.org/users/showprofile/50180581
http://www.unionspringsal.gov/UserProfile/tabid/61/userId/74018/Default.aspx
http://internaldesigns.vforums.co.uk/profile/amilaa255
https://www.appbrain.com/user/amilaa255/
https://torgi.gov.ru/forum/user/profile/448013.page
http://www.vcfed.org/forum/member.php?43261-amilaa255
https://www.planetanalog.com/profile.asp?screenToRender=editProfile
https://www.ebnonline.com/profile.asp?screenToRender=editProfile
http://miarroba.com/amilaa255
http://www.linlap.com/dell
http://www.beginnertriathlete.com/discussion/view-profile.asp
https://www.instapaper.com/u
https://www.studiopress.com/forums/users/amilaa255/
https://philpapers.org/profile/620118
http://www.linwik.com/general_guides
http://www.digthedirt.com/users/196901-amilaa
https://www.edutopia.org/users/amilaa
https://express.yudu.com/library/index or https://express.yudu.com/profile/1000578/amilaa255
https://knowem.com/Amilaa255
https://www.flipsnack.com/amilaa255/
http://tupalo.com/en/users/1819025
https://flattr.com/@amilaa255
https://steepster.com/amilaa255
https://www.zotero.org/amilaa255
https://photoshopcreative.co.uk/user/amia255
http://forum.dben.ppgame.com/home.php?mod=space&uid=1129763
http://www.suchsmallportions.com/user/amilaa255
http://www.maprecord.com/forum/member.php?action=profile&uid=6419
http://community.virginmedia.com/t5/user/viewprofilepage/user-id/626079
https://worldcosplay.net/member/688730
https://forums.khronos.org/member.php/17668-amilaa255
https://apg-clan.org/member.php/1650-amilaa255
https://www.tes.com/member/amilaa255
Read More

What is the Meaning of Fire Insurance

The term fire in a fire insurance is interpreted in the literal and popular sense. there is fire when something burns. In other words fire means visible flames or actual ignition. Simmering /Smoldering is not considered fire in Fire insurance. Fire produces heat and light but either of them alone is not fire. Lightening is not a fire but if it ignites something, the damage may be due to fire.

Under section 2(6A) Insurance Act 1938, the fire insurance business is defined as follows :- " Fire insurance business means the business of effecting, otherwise than independently to some other class of business, contracts of insurance against loss by or incidental to fire or other occurrence customarily included among the risks insured against in fire insurance policies".

Example: The following are the items which can be burnt/ damaged through fire:

  • Building 
  • Electrical installation in buildings
  • Contents of buildings such as Machinery, plant and equipment, accessories, etc. 
  • Goods (raw Materials, in-process, semi-finished, finished, packing materials, etc.) in factories, godowns, etc...
  • Goods in the open
  • Furniture, fixture and fittings
  • Pipelines (including contents) located inside or outside the compound, etc.
The owner of above mentioned properties can insure against fire damage through fire insurance policy which provides financial protection for property against loss or damage by fire.

Please like and Share this article among your friends and spread about the Fire Insurance.
Read More

Fire Insurance Quotes

Today in this Article we will explain various insurance policies related to non-life /general insurance. Non-life /general insurance means the insurance of various tangible or non-tangible assets other than human life. Even loss of human life or damage to human body due to accidents are covered by general insurance. Thus, human life relates to life insurance and the belongings i.e. properties of human beings fall under this category.

Though there are various general insurance policies but we will discuss only the following important policies :

  1. Fire Insurance
  2. Marine Insurance (Transit)
  3. Vehicle Insurance
  4. Personal Accident Insurance
  5. Health Insurance
  6. Rural Insurance policies

Read More

Early Renewal of Health Coverage Insurance

What is an early renewal?

Health plans are usually sold as a 12 month contract between you and your insurance company. In 2013, some insurance companies offered a chance to renew coverage earlier than the 12 month renewal date. for example, some insurance companies offered members a chance to renew in October of 2013, a few months prior to the 12 month renewal of January 1, 2014. This is often called an "early renewal".

Starting in 2014, most new plans offered to individuals and families or through small employers must cover a minimum set of essential health benefits and provide new consumer protections. Some insurance companies currently offering plans that do not provide these minimum benefits changed the renewal date to delay covering these required benefits. Some states did not allow or discouraged early renewals in 2013.

If I renewed my coverage in late 2013, does my plan have to cover new benefits in 2014?

If you renewed coverage before January 1,2014, your plan does not have to provide the new consumer protections until your next renewal in 2014. If your insurance company offered to renew early, there are some important things you should know about your coverage ;

  •  Your current plan probably won't cover the new benefits required in 2014 by many plans or policies until your next renewal in 2014. For example, the requirement to cover certain benefits called essential health benefits (EHBs) does not apply to plans that renew in late 2013. Plans that renew in late 2013 are not required to cover items and services in the following 10 EHB categories :
  1. Ambulatory patient services
  2. Emergency services
  3. Hospitalization
  4. Maternity and newborn care
  5. Mental health and substance use disorder services including behavioral health treatment
  6. Prescription drugs
  7. Rehabilitative and habitability services and devices ( Services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills)
  8. Laboratory Services
  9. Preventive and wellness services and chronic disease management
  10. Pediatric services, including dental and vision care 
  • Coverage of these benefits is not required for renewals in 2013 but should be included in your next renewal or purchase of different coverage in 2014.
Read More

Health Insurance Policy

Health Insurance

The term ' Health Insurance' relates to a type of insurance that essentially covers your medical expenses. A health insurance policy like other policy is a contract between and insurer and an individual/ group in which the insurer agrees to provide specified health insurance covers at a particular "Premium" subject to terms and conditions specified in the policy.

  • What a Health Insurance policy would normally cover
A Health Insurance Policy would normally cover expenses reasonably and necessarily incurred under the following heads in respect of each insured person subject to overall ceiling of sum insured.
  1. Room, Boarding expenses
  2. Nursing expenses
  3. Fees of surgeon, anesthetist, physician, consultants, specialists
  4. Anesthesia, blood, oxygen, operation theater charges, surgical appliances, medicines, drugs, diagnostic materials, X-ray, Dialysis, Chemotherapy, Radio therapy, Cost of pace maker, Artificial limbs, cost or organs and similar expenses.
  • Sum Insured
The Sum Insured offered may be on an individual basis on floater basis for the family as a whole.
  • Cumulative Bonus (CB)
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal subject to a maximum percentage. In case of a claim, CB will be reduced by 10% at the next renewal.
  • Cost of Health Check-up
Health policies may also contain a provision for reimbursement of cost of health check up. Read your policy carefully to understand what is allowed.
  • Minimum period of stay in Hospital 
In order to become eligible to make a claim under the policy, minimum stay in the Hospital is necessary for a certain number of hours. Usually this is 24 hours. This time limit may not apply for treatment of accident injuries and for certain specified treatments. Read the policy provision to understand the details.
  • Pre and Post hospitalization expenses
Expenses incurred during a certain number of days prior to hospitalization and post hospitalization expense for a specified period from the date of discharge may be considered as part of the claim provided the expenses relate to the disease /sickness.
Read More