prabhuTravel
Recreation, business and tourism are different reasons for travel. Recreation is always refreshing and diverting with lots of fun. It is the best form of rest for both body and mind. Tourism represents fun, growth, business, educational and leisure. Sports tourism is one of the best in growth tourism. Students exchange program comes under educational tourism. Official trip for business purpose is the latest trends now days. Travel may be of any type. Like local, national and international travel. International transportation needs passport and visa. Passport is a document issued by the government for the purpose of identity, travel and nationality. Visa is basically an authorization to enter the country. It might be a document or a stamp endorsed on the passport. It is much more related to the validity of visa and the number of times of visit to that particular country. Buses are the very common means of transportation by road. Buses are best means for local transportation. Trains, airplane and automobiles are vehicle based transportation much suited for national transportation.
There is another type that travel occurs is human-powered like walking and bicycling. This is the best mode of transport in ancient days. Animal powered transport is for people and goods, and only meant for short distances. Pigeon is the heaviest living flying animal weighs about 20 kg. Buffalo, dog, elephant, donkey, camel, horse, ox, yak and sheep are meant for fly on land. People also fly on these animals. Dolphins are used to carry dolphins to carry markers in olden days. Transport may also divide into private and public transportation. The service related expectation is always high with respect to private transportation. Public is meant for cheap and best.
Fuel plays an important role in long distance travel. Recent transport systems have larger impacts on environment especially pollution on air. But traditional transport systems are sustainable. They limit emissions. They are always affordable and eco-friendly. Green transports are legally challenged now days. Many countries like Brazil, Colombia and Canada have greatest green transport policies. Many other countries should understand the need for sustainable transport for the sake of future generation. The items that one should have during travel are first aid box, which includes surgical lotions, cotton, pain balms, illness drugs, tablets and bandages.
Sleeping pads shoes, torches, multi-purpose knives, umbrella, drinking water, sanitary and skin care items, towels to tissue papers, combs to soaps are some essential items a traveler must pack. A camera for recording sceneries and valuable moments. Travel insurance is a must for every traveler. It minimizes medical emergency, bankruptcy, loss of cash or valuables, trip interruption and missed departure. Travel insurance will be very helpful for age old travelers.
prabhuInsurance
Basically insurance in finance is a form risk management under various fields. Insurer, premium, policyholder and insurance rate are few terminologies which are important to be known. Apart, there are two types of economies in the society. First one is very ancient and followed by our forefathers. We call it as a non-money economy. Insurance is in the form of people helping each other. For example, if a person is not well he is cared by the people of the village. Second type of insurance is related to money with markets, financial instruments, etc. Insurance can be of any kind that protect against risks. Health, life, auto, home, accident, property insurances are the types available largely. The insured entities are protected for a fee. There are basic legal requirements for an insurer. Automobile insurance provides liability, property and medical coverage. Basically it is an agreement between the person who agrees to pay the premium and the company who agrees to pay financial loss.
Home insurance includes damage or destruction of a home from disasters like flood and earthquakes. Health care insurance covers the cost of medical treatments. Dental insurance is coverage to protect them against dental costs. Insurance policies are also available for unemployment issues. Life insurance is mostly covered by all. It provides a monetary benefit to the decedent’s family. Life insurance may also provide income to an insured person’s family, burial, funeral and other final expenses. Property insurance protects against risks to property like fire, theft or weather damage. Also includes fire insurance, flood insurance and earthquake insurance.
Liability insurance is a very broad that covers legal claims against the insured. Mortgage insurance is basically a form of credit insurance. Pet insurance, locked funds insurance, kidnap and random insurance, travel insurance, phone insurance are the other types of insurance. Insurance companies are widely classified as life insurance companies and general insurance companies. There are few controversies like religious concerns in the insurance field. Redlining is another practice in specific geographic areas because of high loss. They deny insurance coverage in such areas.
One should take care of such controversies before agreement. Insurance can also purchased through an agent. One particular agent has the rights to represent more companies at a time. The fee is paid on commission basis either directly or indirectly from the company. Reinsurance companies sell their policies to very large companies. Captive companies work for their patent groups for a specific aim of risks. Financial strength plays a major role for a contract. Majority of the companies had enough capital to absorb losses. Any act done with an intension to get the amount from an insurer is insurance fraud. The crimes are severe and diverse.
prabhuHealth
The mind and the body are inter-related, so that the health of one is the health of the other, and the ills of one are the ills of the other. A sound body means that you can bear the roughest experiences without becoming ill. The more roughly you treat your body, the stronger it will be. Physical harmony is an index and expression of a harmonious mind. If one wants to build up one’s mind, one must build up first the body. A man with a sound body is full of optimism. He goes ahead.
A healthy man is always happy. He feels inclined to work. He feels inclined to serve others. He radiates health, hope and happiness wherever he goes. He makes friends wherever he goes. He moves mountains. He gets over all difficulties and hurdles. His strong mind fears none. He is always loved and liked by one and all. But the man with shattered body and health is always full of pessimism and sorrow. He has no heart to do anything. He tells his sad tale of woe to everybody he meets. He likes to mope and whine in a corner. Life is no charm for him. His enthusiasm is dead. His mind is always diseased. He is no better than a dead man.
A child has a sound body and consequently a sound mind. He smiles his way into heart of everybody. On the other hand, take the case of an old man, with scattered health, toothless mouth, sunken eyes and shriveled skin. Only a man with sound body can enjoy real contentment and true peace of mind. Richest man cannot enjoy his riches if he is always sick. A judge may be very able but he cannot play his part efficiently if he is constantly worried. The head of a State may be the ablest man in the world but he cannot function effectively if he is constantly tormented by some fell disease.
A doctor may be the best physician or surgeon but he is of no use to society if due to his illness, he cannot attend to his work in the hospital for more than two days in a week. However rich or educated a person may be, if he is physically harassed, life becomes something of a burden to him. A nation of healthy and bright young men and women is an asset to our modern human civilization. Citizens of tomorrow, as the students of today are called, shall have to combine a healthy physique with a healthy intellect. The trophies of success have been won by those young men and women who laid emphasis on oft-quoted dictum “healthy body healthy mind”.
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Albania lies on the west coast of the Balkan Peninsula in south-east Europe. Albania was established as an independent state in 1912. Republic was formed in 1920. In 1992, a non communist government was elected. There was economic collapse and social unrest. It became Europe’s first Muslim state in December 1992. More
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Afghanistan is a land-locked republic in central Asia known originally as Ariana or Bactria, then as Khorasan (the land of the Rising sun). Monarchy was overthrown in 1973, and a Marxist ‘people’s republic’ was created by Noor Taraki’s coup of 1978. In 1986, Lt. Gen. Nahibullah became president. Soviet troops, which had occupied the country in 1979, faced resistance from Afghan tribesmen ‘Mujahideen’ (holy warriors). Soviet troops were withdrawn in 1989. In Feb, a military council headed by Najibullah was announced. Afghan rebels elected sigbhatullah Mojaddidi as president of an interim government in exile. He handed over power to a Mujahideen leadership council.
The Mujahideen factions that captured Kabul in April 1992 began internecine fighting. Half the population of Kabul fled the city. In January 1994 president Burhanuddin Rabbani and PM Gulbuddin Hekmatyar parted ways. A few months later a newly formed Islamic movement ‘Taliban’ (i.e. ‘Students of religion’) emerged as a new force. In 1995, they were in control of around a third of the country, In June 1996, Gulbuddin Hekmatyar again joined Rabbani and was sworn in PM but Rabbani was overthrown in September by Taliban which imposed harsh Islamic laws and executed former President Najibullah. A Taliban offensive on 27 December, 1996 gave Taliban control of 90% of the country. In November, Taliban was overthrown by the Northern Alliance with US support. On April 18, 2002, former king of Afghanistan, Mohammed Zahir Shah, returned to Kabul after 29 years in exile in Italy. In June, Hamid Karzai, leader of the interim administration, was elected in a landslide vote to be the next president. NATO took command of the 5000-strong international peacekeeping force in Kabul in August.
Agriculture is the mainstay of the economy. The principal crop is wheat. Animal husbandry is important for meat, milk and wool. Chief mineral resource: natural gas. The main industrial activity is the manufacture of woolen and cotton textiles; traditional handicrafts and woven carpets are important exports.
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Gratuity is a statutory liability of the employers. This is an incremental liability which accrues to an employee for every year of service put in by him. In the Group Gratuity Scheme granted by LIC, in the event of premature death of the member, the dependent can get an amount which will be equal to the gratuity payable on the normal retirement of the member, had he survived up to the date of superannuation. Apart from the above the advantage of LIC’s group gratuity schemes are free valuation of the liability, guidance in drafting Trust Deed and Rules of the scheme, secutiry for the fund, attractive return, lower premium for the insurance, optional ciritical illness rider benefit against major diseases, periodical information about the status of fund, simple administrative and claim settlement procedures, tax concessions, etc.,
Group Superannuation scheme is designed to provide pension to the employees/beneficiaries on the exit of the member from the service. A decreasing group insurance cover in conjunction with the superannuation benefit can also be provided to supplement the lower accumulation in the event of premature death of the member. The scheme is of two types: a) Money purchase scheme and b) Benefit purchase scheme. Pension which is linked to the dearness allowance will also be granted. The LIC’s group superannuation scheme out are easy to install and provides best service, free valuation of the liability, attractive returns, safety of funds, simple administrative procedures, periodical statement on the fund position, tax, concession, etc. LIC offers a wide range of benefit options to cater to the needs of the different beneficiaries.
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Protection: Savings through life insurance guarantee financial protection against risk of death of the policy holder. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.
Aid to thrift: Life Insurance encourages ‘thrift’. Long term saving can be made in a relatively ‘painless’ manner bacause of the ‘easy installment’ facillity (premiums can be paid through monthly, quarterly, half-yearly or yearly instalments). The salary savings scheme, popularly known as SSS, provides a convenient method of paying premium each month through deduction from one’s salary. The employer remits the deducted premium to the LIC. The salary savings scheme can be introduced in an institution or establishment subject to specified terms and conditions.
Liquidity: Loans can be raised on endowment type and whole life policies as per policy conditions on the sole security of a policy which has acquired a paid-up level. Besides, a life insurance policy is also generally accepted as security for even a commercial loan/housing loan.
Tax Relief: Tax Relief in income Tax is available for amounts paid by way of premium for life insurance subject to the income tax rules in force. Assesses can avail themselves of provisions in the law for tax relief. In such cases the assured in effect pays a lower premium for his intance than he would have to pay otherwise.
Money when you need it: A suitable insurance plan or a combination of different plans can be taken to meet specific needs that are likely to arise in future, such as children’s education, start-in-life or marriage provision or even periodical needs for cash over a predetermined stretch of time. Alternatively, policy moneys can be so arranged to be made available at the time of one’s retirement from service to be used for any specific purpose, such as for the purchase of a house or for other investments. LIC pension plans also offer regular income in the form of an annuity when you retire from active work or in a later part of life at your choice leaving a lump sum purchase price for your heirs. Subject to certain conditions, loans are granted to policy holders for house-building or for purchase of flats.
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- If you are a middle-aged lady, do not neglect any lump in the breast, however small and even if it is painless. Consult a doctor immediately. It may turn out to be innocent, but it is for the doctor to say so.
- At least once a year, feel your breasts with the palm of your hands for any small lump.
- Do not neglect any irregularity of menstrual periods.
- Do not neglect any bleeding after attainment of menopause.
- Consult your family physician. If there is:
Unexplained loss of weight; loss of appetite; unexplained cough; hoarseness of voice; alteration in bowel habits; bleeding or pain in rectum; any prolonged pain anywhere; any new swelling, however small or painless; a sore that does not heal. It is possible to cure or control many types of cancer, if detected very early.
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- The following are risk factors that could lead to heart disease: smoking, obesity, sedentary life, diabetes and High Blood pressure.
- Remember that high blood pressure is slow, silent and sure killer. It means that unless you get blood pressure checked periodically, you may never know that you have high blood pressure. High blood pressure, to start with, will not produce any symptoms.
- Treatment for high blood pressure is life long. Good control is essential.
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- Keep your nails cut short and clean them regularly.
- Always wash your hands before sitting for food or after visiting the toilet.
- Avoid taking food in all kinds of places.
- Drink only boiled water.
- Never eat raw vegetables.
- Buy meat only from reputed sellers and cook it well.
- Keep your home surrounds clean, do not allow stagnation of water.
- Wash your clothes, preferably at home.
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