text:
author = "Das, T. and Deshmukh, H. S. and Mathai, A. and Reddy, Ashok Kumar",
title = "Stenotrophomonas maltophilia endogenous endophthalmitis: clinical presentation, sensitivity spectrum and management",
journal= "Journal of Medical Microbiology",
year = "2009",
volume = "58",
number = "6",
pages = "837-838",
doi = "https://doi.org/10.1099/jmm.0.009431-0",
url = "https://www.microbiologyresearch.org/content/journal/jmm/10.1099/jmm.0.009431-0",
publisher = "Microbiology Society",
issn = "0022-2615",
type = "Journal Article",
abstract = "
Stenotrophomonas maltophilia is gaining importance as a community-acquired pathogen, after becoming firmly established as a nosocomial pathogen. Here we report a case of endogenous endophthalmitis due to S. maltophilia. Antibiotic-susceptibility testing of the isolate was performed by the Kirby–Bauer disc diffusion method. The organism was resistant to aminoglycosides, imipenem, ticarcillin and cotrimoxazole and was sensitive to ceftazidime and chloramphenicol. The patient was successfully treated with a sensitivity-based intravitreal antibiotic regimen.",


text:
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Along Came a Spyder
Surfer and businessman Dennis Jarvis joins the Hermosa Beach Surfer's Walk of Fame and celebrates an iconic presence in local surf culture.
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subset: commoncrawl


text:
The special issue focuses on the impact of antipoverty measures—accounting for social and structural dimensions in the poverty experience and moving beyond an income-only focus—in five country cases: China, India, Norway, Uganda, and the United States. Particularly, we focus on the implications of shame in the delivery of antipoverty measures, as an individual and social phenomenon that relates to feelings of self-inadequacy, as well to a lack of dignity and recognition. We analyze delivery interactions through an analytic framework of rights, discretion and negotiation, as this enables us to parse out how policy delivery interactions presumed or enabled individual choice, ability, control, and voice. We suggest social citizenship can structure the relationships between welfare recipients and administrators. As a concept, it expands the objects of social rights beyond the materiality of human life (e.g., housing, pensions) to include intangible processual elements (e.g., dignity) in the construct of rights.
Antipoverty Measures
The Potential for Shaming and Dignity Building through Delivery Interactions
Erika Gubrium and Sony Pellissery
Indignity in Cash Transfers
The Senior Citizen's Grant in Uganda
Grace Bantebya Kyomuhendo
Although development policy approaches in Uganda and elsewhere have changed over time, many of them share a failure to consider and respond to the potential for shaming, given the persistent presence of social norms and practices shaped by poverty. Research evidence of the lived experiences and practices of the providers and beneficiaries of the Senior Citizens' Grant (SCG) antipoverty measure had spaces and a process of dignity building and shaming. The overriding policy implication that antipoverty policymakers need to be aware of is that antipoverty policies that create spaces for poverty shaming are counterproductive and less than optimally effective in achieving antipoverty objectives than policies that impart a sense of dignity in the participants. The latter kind of policies has a greater capacity to deliver on antipoverty objectives by recognizing the participants' rights and promoting their human dignity, equitable participation, social inclusion, political voice, and individual or collective agency.
This issue is dedicated to the outcomes of the research project "Poverty and Shame: Perspectives and Practices Concerning Anti-poverty Measures in a Global Context" and funded by the Research Council of Norway. Erika Gubrium and Sony Pellissery, partners on the project, present a series of articles with emergent findings from five cases of service provision interactions between antipoverty measure providers and recipients, namely in China, India, Norway, Uganda, and the United States. The project focused on professional practices at the level of everyday interaction and the impact of service delivery on those receiving antipoverty measures. The article authors are especially focused on two issues: first, if antipoverty measures cause deep feelings of shame or may be "shame proofed," and second, if they mitigate or stimulate feelings of dignity.


text:
Toplam 206, süzülmüş 206 kayıt bulundu. 1. sayfa gösteriliyor.
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Driving Digital: The Leader's Guide to Business Transformation Through Technology
What Great Trainers Do: The Ultimate Guide to Delivering Engaging and Effective Learning
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Power of Business Process Improvement: 10 Simple Steps to Increase Effectiveness, Efficiency, and Ad
Sales Management. Simplified. The Straight Truth About Getting Exceptional Results from Your Sales T
Optimistic Workplace: Creating an Environment That Energizes Everyone
Emotional Intelligence Activity Kit: 50 Easy and Effective Exercises for Building EQ
Effective Succession Planning: Ensuring Leadership Continuity and Building Talent from Within
Win the Customer: 70 Simple Rules for Sensational Service
What to Do When You're New: How to Be Comfortable, Confident, and Successful in New Situations
Learning for Life: How Continuous Education Will Keep Us Competitive in the Global Knowledge Economy
Your Own Terms: A Womans Guide to Taking Charge of Any Negotiation
We Are Market Basket: The Story of the Unlikely Grassroots Movement that Saved a Beloved Business
Venture Mom: From Idea to Income in Just 12 Weeks
Stronger: Develop the Resilience You Need to Succeed
Millennials with Kids: Marketing to This Powerful and Surprisingly Different Generation of Parents
High-Impact Human Capital Strategy: Addressing the 12 Major Challenges Todays Organizations Face
Green Giants: How Smart Companies Turn Sustainability into Billion- Dollar Businesses
Training in Motion: How to Use Movement to Create Engaging and Effective Learning
Sales Management: The Brian Tracy Success Library
Whoever Tells the Best Story Wins: How to Use Your Own Stories to Communicate with Power and Impact
Scorecard Solution: Measure What Matters and Drive Sustainable Growth
Persuasion Equation: The Subtle Science of Getting Your Way
Learning to Succeed: Rethinking Corporate Education in a World of Unrelenting Change
Stay Interview: A Managers Guide to Keeping the Best and Brightest
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text:
Listen to Today's Audio Goodie
(Let Clyde read the Goodie for you!)
Tucked away in our national mythology is the notion that America is a redeemer nation. We are led to believe that the American Messiah brings salvation to the rest of the world; that the American way of life redeems the cultures of other countries; that God will use the American nation to magnify Himself among other nations.
The president of the National Council for the Encouragement of Patriotism, Inc., once remarked:
When I place my right hand over my heart as that glorious American flag passes by, I feel very near to God. – Newsweek, June 15, 1970, page 30
Donald B. Kraybill
Our Star-Spangled Faith (1976), pages 18, 43
Herald Press
Daily Email Goodies


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All 4 Homepage
Audio description: Along with subtitles on a large proportion of its programmes, Channel 4 also has a lot of content on All 4 with audio description. All 4 even has an entire section dedicated to this that presents programmes with a voice narrating the action for blind or visually impaired users. All 4 tech tips: Make sure you have the latest version of Flash player installed on your computer, too, and that your browser is upgraded to the latest version. Even if you're a citizen of the UK you cannot use All 4 while abroad.
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text: Author Archive Everything You Need To Know About Choosing A Vacation Hotel Posted in Tips by vlalithaa Hotels come in all shapes and sizes. There are many options on both pricing and overall service. When plotting out your trip, you want a great room at a price that doesn't break your budget. Then, utilize Read More Great Advice And Ideas About Travel That Anyone Can Grasp Posted in Travel Tips by vlalithaa Travel can be a fantastic source of inspiration, but if things go wrong, it can take on a nightmarish quality, instead. No one wants to go on a vacation that's more aggravating than relaxing. Fortunately, you can Read More Top Selling Renault Cars in India Posted in Travel Tips by vlalithaa Renault S.A. was established in 1899. This French car manufacturing company had launched a sedan – Logan – in India in a joint venture with Mahindra in 2007. The company later returned to India with a luxury Read More The Best Tech Gifts for Travelers Posted in Travel Tips by vlalithaa It seems that more and more people are catching the travel bug lately. Everyone wants to see the world and experience life as much as they possibly can right now. In addition to all the new ways Read More Top 5 tips for Road Trips With Kids Posted in Travel Guide by vlalithaa If you and your family are planning drive an automobile cross-country to see family, or having a 3-day weekend break to the beach, traveling by car with young children turns into either a enjoyable family adventure, or Read More Best Places to Travel in Europe Posted in Travel Europe by vlalithaa The world is really wonderful and there are a multitude of places We would love to travel to be. I would not have the money to do so right currently yet I love to dream. One day Read More The Best Things to do On a Cruise Ship Posted in Cruise Trip by vlalithaa My family and I discovered several years in the past that our absolute favorite vacations are cruise vacations. Whenever we tell our friends this, many of them wonder whatever they would certainly do if they were "stuck Read More How to make Your Travel more enjoyable ? Posted in Travel Guide by vlalithaa Lots of people absolutely love to travel as well as others not really much. I really like almost every element of it. I really like planning a trip, choosing the route, a few things i would like Read More Best choices of Food While Traveling With An Appetite Posted in Food by vlalithaa Business, pleasure, or food? If you'd prefer making an attempt on various meals from barbeque to pizza, we certainly have very best places in the states coming on your path. I'm hoping you have sweatpants in your Read More Best Places for Breath Taking Moments : Travel Tips Posted in Travel Tips by vlalithaa Almost everyone live our way of life pretty fast. We expand, we all understand, we perform, after that rest. This doesn't help to make an excessive amount of sense if we ignore the wonders all over the Read More Traveling to the Tropics after Retirement : What You Should Know? Posted in Travel Tips by vlalithaa Mаnу оldеr реорlе аrоund thе wоrld lоng tо rеtіrе tо thе trорісѕ whеrе thе tеmреrаturе іѕ соmfоrtаblе аnd thе lіvіng іѕ еаѕу аnd оftеn lеѕѕ еxреnѕіvе thаn іn thеіr nаtіvе lаndѕ. Mоѕt реорlе аgrее thаt а trорісаl Read More 12345678910


text: On my windows machine at work, XP Defender 2013 has popped up. I researched on a clean machine and it turns out that this is malware. In response, I downloaded Spybot and transferred it to the infected machine via safemode with networking, and right after the first scan XP Defender seemed like it defeated Spybot. It will no longer allow it to function. Is there any remedy?


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Why do banks and governments seem to have learned nothing from the financial crash?
Liam Halligan 11 September 2018 10:20
With September marking a decade since the Lehman Brothers implosion, stand by for a slew of economic retrospectives. Any meaningful…
QE is the biggest thing in politics but politicians aren't talking about it
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Will Theresa May end the era of easy money and call time on QE?
Fraser Nelson 12 August 2016 11:51
When Theresa May was gearing up for a summer-long leadership campaign, she identified a worthy target: George Osborne's addiction to…
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The Subaru Forester has always been a great compromise between the practicality of a small hatchback or station wagon and the capabilities of an SUV. The Forester comes standard with all-wheel-drive, unlike most of its competition. With the largest selection of cars from dealers and private sellers, Autotrader can help find the perfect Forester for you.
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Magazine article Sculpture
Nancy Selvage
Article excerpt
Nancy Selvage
Boston Sculptors Gallery
The retinal dazzle of Op Art came and went decades ago-as with many fads, it caught the eye, and then there seemed little more to say. But here it is again, mobile and in three dimensions, in the metal work of Nancy Selvage. This time, it appears to have many more possibilities. Selvage's medium of choice is perforated aluminum screening, variously used for filters, vents, acoustic panels, and guardrails.
Unlike the color theorists behind two-dimensional Op Art, Selvage works in black and white, but her visual tricks are even more dynamic. With carefully calculated spacing, she layers screening to create moiré effects. Shifting perspectives reveal illusive, and elusive, ephemeral motifs. As the viewer changes location (or as the mobile moves), patterns shiftand segue into bull'seyes, ripples, polka dots, pinstripes, tweed patterns, tiny soccer balls, or rows of stars. LED lights, carefully positioned within most of the pieces, are themselves visually fragmented by screening.
Two outsized works dominated Selvage's recent show. Navigration (not a typo-it's meant to suggest the unexplained navigational abilities of migrating creatures) is a thunderous wall piece, perhaps a whale, perhaps a bird, intensely subtle and throbbing with variations. Photophilia, the only mobile in the show, may be read as a moth or butterfly; because it moves, its optical pulsations are a little harder to pin down. A quarter-scale version is somehow more easily apprehended. …


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Saturday, Nov 16, 2019 from 10:00am to 5:30pm
The work of Peter Downsbrough (b. 1940, New Jersey, lives in Brussels) utilizes absence, edits, lines, space and words in architectural settings in order to further an observer's experience of space, time and continuity. Since the 1960's, Downsbrough's work has meandered around, between and within architecture, Minimalism, conceptual art and visual poetry. His works take many forms, from architectural interventions to books, films, installation, multiples, prints, sculptures and more. "The word for me is an object," he has said. For Krakow Witkin Gallery's One Wall, One Work, Downsbrough has created "OR", a four part sculpture that utilizes the space between and among the elements as much as the metal parts, themselves.
Over the years, he's exhibited in numerous museums, galleries, and outdoor sites, mainly in Europe. In 2003, he was honored with a retrospective in Brussels, at the Palais des Beaux-Arts. This exhibition, curated by Marie-Thérèse Champesme, later traveled to Espace de l'Art Concret in Mouans-Sartoux, France (2003–04), and to the Muzeum Sztuki in Lódz, Poland (2004). He has published over 100 artist books, been in over 50 museum exhibitions and is in many public and private collections including Museum of Modern Art, New York, The Tate, London, SMAK, Stedelijk Museum voor Aktuele Kunst, Gent, Rose Art Museum, Waltham, along with more than forty other collections. The Centre national d'Art et de Culture Georges Pompidou, Paris has recently acquired a significant early sculpture from 1967.
For more information, please email the gallery here, click on this link to see the archive of projects for "One Wall, One Work" or click here to see more work by Peter Downsbrough.
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City of Djinns: A Year in DelhiUnity Wellington Stock : 0ISBN: 9780006375951
Title: City of Djinns: A Year in Delhi
Author: DALRYMPLE WILLIAM
This is William Dalrymples captivating memoir of a year spent in Delhi, a city watched over and protected by the mischievous invisible djinns. Lodging with the beady-eyed Mrs Puri and encountering an extraordinary array of characters - from elusive eunuchs to the last remnants of the Raj - William Dalrymple comes to know the bewildering city intimately. He pursues Delhis interlacing layers of history along narrow alleys and broad boulevards, brilliantly conveying its intoxicating mix of mysticism and mayhem. City of Djinns is an astonishing and sensitive portrait of a city, and confirms William Dalrymple as one of the most compelling explorers of Indias past and present
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This is the inverse of the problem Exponents in Factorials. Instead of being given a number and finding out the highest exponent it can be raised to for a given factorial, you'll be given a power, and you're being asked to find the highest number that can be raised to that power for a given factorial.
For example, n=7 and p=2. The highest perfect square (p=2) that can evenly divide 5040 (n=7, and 7!=5040) is 144, or 12^2. Therefore, your output should be y=12.
As before, you can assume that both n and power are integers greater than 1.
2725 Solvers
735 Solvers
Project Euler: Problem 5, Smallest multiple
241 Solvers
612 Solvers
73 Solvers


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Past work from old sketchbooks and graphic art logos adorn promotional post cards for "Final Draft" the 2019 senior show by Lander University visual art majors at Lander University's Fine Art Gallery.
"Final Draft" includes multiple pieces in different artistic mediums by seven visual art seniors at Lander University.
The show is on view through Dec. 18.
Fathima Nazim-Starnes, a Lander associate professor of art, said the show is curated through a jury process.
"All the art faculty gets together and look at our students' best works, but seeing the show and pieces in person is just incredible," Nazim-Starnes explained. "You see their process with other media besides your particular focus. It's really exciting to see their work over the last four years.
"The students decide where things go in the gallery space and it's really beautifully done," Nazim-Starnes continued. "We've got graphic design, photography, ceramics, sculpture and more."
Anna White, 23, a visual art major from Newberry, said ceramics can be unpredictable.
"The thing with ceramics is that you never know if they are going to succeed or fail," White said. "You have to be at the mercy of the glazes and the kiln. Experimenting with pinch pots, I tried different under glazes. I carved through it. Then, tried photo transfers, which failed. As a last-ditch effort, I tried a Raku firing. It turned out crazy, but I like it."
Likewise, Armir Goodwin, 26, of Columbia, said he revisited some of his ceramics to add a little more color to the pieces.
Goodwin, Outstanding Student Veteran of the year at Lander, who serves in the United States Air Force Reserves, said he knew majoring in art was for him.
"I'm not really big on math or English, but I've always been really big on art," Goodwin said. "I love to draw."
Amanda Smoak, 23, of Charleston, said graphic design is for her, a creative field with varied business opportunities.
"Some don't understand graphic design," Smoak said. "A friend saw my three framed plant pieces and thought that I drew them. I did not draw those. I did them on computer. There's more to art than painting and drawing."
Smoak said graphic design students' portfolios are displayed in the gallery space on drafting tables and she has even incorporated a video loop that shows her work with animated logos that also utilize sound effects. Students have also created their own business cards, logo stickers and more.
Smoak did an independent study where she created digital animated logos for applications in social media and web design, Nazim-Starnes said.
"Each of our graphic designers are so different in the skills that they develop," said Jim Slagle, a Lander associate professor of art. "From using photography to hand-lettering, it's really kind of fun to see them make their own way. There's someone who will graduate next semester who is interested in forensic art, which could be utilized in sketching for police departments or crime scenes."


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Blå Konst [Blue Art], Acne Studios new denim line, launches today! Their new concept goes back to the brands' initial jeans-focus.
"I wanted to create a free space for us, running parallel to our regular collections. This is what Acne Studios Blå Konst will be. Our denim will be like a study, always evolving and moving forward." Creative Director Jonny Johansson says in a press release.
Blå Konst will include a permanent collection with three different styles; loose fit, straight and skinny. There will also be a seasonal collection under the label which will be released twice a year, where the contemporary inspiration for Jonny Johansson will set the frame.
The line will also include jeans jackets, shorts and skirts.
Acne Studios Blue Konst launches today Thursday, April 6 in all Acne Studios stores and on the Web.
Campaign images are photographed by Collier Schorr and styled by Max Pearmain.
Tags: Acne Studios
Nordic Style Magazine's Fashion and Art Editor. Based in Stockholm and with a huge interest in online media.
The duality of identity. Opposites. The visual language of what…
Initially reinventing the form of traditional galoshes, SWIMS have grown…
Earlier this month, Levi's opened the doors to their Levi's…


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The best way to Book Your Dumpster Appointment
Most businesses make it easy that you book your dumpster appointment. Before you contact rental businesses to schedule a drop off or pick up, however, you can take a few measures that make the procedure even simpler.
1. Find a time when it's suitable for you to receive the dumpster. Most businesses will require you to sign a contract, which means you'll need to be on location when the dumpster arrives.
2. Give you and also the rental business plenty of time. It is better to call ahead at least a week or two before you want the dumpster. If you try to schedule an appointment sooner than that, you could have a small selection.
3. Keep in contact with the rental business. If anything changes in your schedule, contact the firm when possible to tell them. This way you can fix the appointment as needed without limiting your choices.
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Paying for your dumpster
If you need to rent a dumpster in Bellarthur, you'll discover that costs vary significantly from state to state and city to city. One method to get genuine estimates for the service you need will be to phone a local dumpster company and ask about their costs. You can also request a quote online on some websites. These websites may also comprise full online service that is constantly open. On these websites, you can choose, schedule and cover your service whenever it is suitable for you.
Factors that affect the cost of the container comprise landfill fees (higher in certain regions than others) as well as the size of the container you opt for. You have to also consider transport costs as well as the kind of debris you will be placing into your container.
Price quotes for dumpster rental in Bellarthur typically comprise the following: the size of the container, the kind of debris involved, the base cost for the dumpster, how much weight is contained in the quote, a given rental period and delivery and pickup fees.
Dumpster Rental in Bellarthur Prices: Flat Rate vs Per Ton
In case you're seeking to rent a dumpster in Bellarthur, one of your primary considerations is going to be cost. There are generally two pricing options available when renting a dumpster in Bellarthur. Flat rate is pricing dependent on the size of the dumpster, not the amount of stuff you put in it. Per ton pricing will charge you based on the weight you need hauled.
One type of pricing structure isn't always more expensive than the other. Should you know just how much stuff you have to throw away, you might get a better deal with per ton pricing. On the other hand, flat rate pricing can assist you to keep a limitation on costs when you're dealing with unknown weights. Whether you frequently rent dumpsters for work or just want a one time rental for a job around the home, you need to shop around to find the best rental prices based on your demands.
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Do your research when renting a dumpster in Bellarthur
One of the most important things to do when you are considering a construction or remodeling project is to plan ahead. Part of that process will probably be researching your dumpster needs for the project. Understanding ahead of time how dumpster rental in Bellarthur functions will make things simpler when you begin the process. It's possible for you to locate a lot of the general information you need online, but for advice particular to your region, you'll have to call your local business. Be sure to ask about any hidden or extra fees so that you do not get stuck with a surprise bill.
Among the biggest parts of your research will be establishing the right size container you need to rent based on the size of the project. This may be your largest price, so be sure to get a size that is large enough to last for the whole project. Other issues to research first comprise a potential place for the container, the kind of waste which you're throwing away and the period of time you'll need the dumpster.
How to Know When it's Time to Rent a Dumpster
Most folks do not need to rent dumpsters unless they absolutely have to. At times, though, it becomes clear that you simply have to rent a dumpster in Bellarthur for commercial and residential jobs.1. Removing a Roof
A dumpster is by far the best method to eliminate debris after roof building.2. Remodeling
Most cities WOn't haul away building debris for you. It's your duty to make sure you have an appropriate container to collect lost stuff from remodeling jobs. Even if you just have a little job, municipal waste management is not likely to haul the debris away.3. Clean Outs
A major clean out can amass more rubbish when compared to a standard receptacle can hold. Renting a modest dumpster is a more suitable option that may prevent making multiple trips to the neighborhood dump.In case you have one of these jobs in your mind, then you understand it is time to look for a reliable dumpster rental service in Bellarthur.
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Dumpster Rental Companies Near Bellarthur
|Company Name
|GDS Inc
|(252) 638-1366
|C & J Waste Removal
|(828) 692-7450
|David's Trash Services Inc
|(252) 923-2742
|Ray's Rural Garbage Collection
|(910) 324-3645
|Carolina Disposal Service
|(336) 731-7777
|A1 Clean Up and Dumpster Rental
|(704) 795-5026
|Pressure Washing Charlotte
|(704) 552-8949
|Mr. Mom's Cleaning Service
|(919) 762-9409
|O'Leary Group Waste Systems LLC
|(704) 338-6898
|TFC Recycling
|(919) 957-8803
Our Service Area
Zip Codes in Bellarthur27811
Dumpster Learning Center
Other Cities We ServiceDumpster Rental Polkville
Dumpster Rental Creedmoor
Dumpster Rental Landis
Dumpster Sizes Available Bellarthur
Get started in less than 60 seconds. Pick up the phone and get a quote now!
10 Yard
Great for small projects
- 12 feet long
- 8 feet wide
- 4 feet tall
20 Yard
For moderate sized cleanouts
- 22 feet long
- 8 feet wide
- 4.5 feet tall
30 Yard
All around good dumpster size
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40 Yard
For the largest projects
- 22 foot long
- 8 feet wide
- 8 feet tall
*Dimensions & availability may vary by location. Call to confirm.
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We take pride in providing our community with great prices and excellent customer service on dumpster rentals. Join thousands of others and get the dumpster you need, for the price you deserve!
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Regular price
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"Make love on art." ~Android Jones
This tantalizing image combines the mystical power of dragons with the vibrant delicacy of hummingbirds, courtesy of artist Android Jones.
A provocative pallet for the divine play of masculine and feminine energies, the Humming Dragon Venus Mat Throw transforms any bedroom into an exquisite pleasure-palace.
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Heavy-Duty 'A' Board: Warning Wet Floor
Technical SpecsDimensions: 62cm (height) x 30cm (width). Weight: 660g
This Scan safety folding 'A' board sign is made from heavy-duty polypropylene for durability. It has a pre-printed message on both sides and folds flat for easy storage and transportation. It is easy to read with clear writing and illustration.
Message: 'Warning Wet floor'
Dimensions: 62cm (height) x 30cm (width).
Technical Specs
Dimensions: 62cm (height) x 30cm (width).
Weight: 660g
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Hippo takes the top prize for the fastest, most "how the heck did they do that" quoting experience in the home insurance marketplace. The application process with Hippo is actually quite remarkable — you're promised a quote in 60 seconds, but it's really closer to 30. To apply, all you do is type in your address, and Hippo almost instantly shoots you an estimate along with information about your home's specs.
One of the big perks of insuring your home through Metlife is that they offer guaranteed replacement cost coverage – meaning if your home or stuff is damaged or destroyed by a covered peril, your home's rebuild costs and property will receive the full replacement cost, depreciation notwithstanding. That means if your home is only worth $250,000 but it costs $500,000 to replace, Metlife will pay the full $500,000 to replace your home.
Global insurance premiums grew by 2.7% in inflation-adjusted terms in 2010 to $4.3 trillion, climbing above pre-crisis levels. The return to growth and record premiums generated during the year followed two years of decline in real terms. Life insurance premiums increased by 3.2% in 2010 and non-life premiums by 2.1%. While industrialised countries saw an increase in premiums of around 1.4%, insurance markets in emerging economies saw rapid expansion with 11% growth in premium income. The global insurance industry was sufficiently capitalised to withstand the financial crisis of 2008 and 2009 and most insurance companies restored their capital to pre-crisis levels by the end of 2010. With the continuation of the gradual recovery of the global economy, it is likely the insurance industry will continue to see growth in premium income both in industrialised countries and emerging markets in 2011.
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, then it is not likely that the insurance will be purchased, even if on offer. Furthermore, 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, then the transaction may have the form of insurance, but not the substance (see the U.S. Financial Accounting Standards Board pronouncement number 113: "Accounting and Reporting for Reinsurance of Short-Duration and Long-Duration Contracts").
Advanced economies account for the bulk of global insurance. With premium income of $1.62 trillion, Europe was the most important region in 2010, followed by North America $1.409 trillion and Asia $1.161 trillion. Europe has however seen a decline in premium income during the year in contrast to the growth seen in North America and Asia. The top four countries generated more than a half of premiums. The United States and Japan alone accounted for 40% of world insurance, much higher than their 7% share of the global population. Emerging economies accounted for over 85% of the world's population but only around 15% of premiums. Their markets are however growing at a quicker pace.[44] The country expected to have the biggest impact on the insurance share distribution across the world is China. According to Sam Radwan of ENHANCE International LLC, low premium penetration (insurance premium as a % of GDP), an ageing population and the largest car market in terms of new sales, premium growth has averaged 15–20% in the past five years, and China is expected to be the largest insurance market in the next decade or two.[45]
There are also companies known as "insurance consultants". Like a mortgage broker, these companies are paid a fee by the customer to shop around for the best insurance policy amongst many companies. Similar to an insurance consultant, an 'insurance broker' also shops around for the best insurance policy amongst many companies. However, with insurance brokers, the fee is usually paid in the form of commission from the insurer that is selected rather than directly from the client.
A prescription plan is another important consideration. If you need to take medications regularly you'll want to choose a plan with a good prescription plan. If you need to insure your entire family, you'll want to look at family deductibles and maximums. Only full-coverage options will satisfy the minimal essential health care insurance required to get around paying the fine.
1The Banking Benefits – Deposit Introductory program offers a high yield fixed Introductory Rate during the first 12 statement cycles after opening a new Consumer Money Market Savings account with State Farm Bank. A new Consumer Money Market Savings account means you cannot have an existing Money Market Savings with the same ownership currently open or which closed within the last 12 months. Your Benefit account balance must remain below $5,000,000 to earn the Introductory Rate. If the account balance is $5,000,000 or above, you will earn the Standard Rate on your entire balance. The new Money Market Savings must be a Personal or Trust account. IRA Money Market, Estate, Uniform Transfer to Minors, and Business accounts are NOT eligible.
In the United States, economists and consumer advocates generally consider insurance to be worthwhile for low-probability, catastrophic losses, but not for high-probability, small losses. Because of this, consumers are advised to select high deductibles and to not insure losses which would not cause a disruption in their life. However, consumers have shown a tendency to prefer low deductibles and to prefer to insure relatively high-probability, small losses over low-probability, perhaps due to not understanding or ignoring the low-probability risk. This is associated with reduced purchasing of insurance against low-probability losses, and may result in increased inefficiencies from moral hazard.[56]
A lot goes into an auto insurance rate quote, including your ZIP code, coverage levels, marital status, annual mileage, driving history and vehicle make, year and model. In most states, your gender and credit history are also used to determine rates. And again, the reason auto insurance comparison shopping is so important is because rates between companies are different for each person, too.
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. Disputes between insurers and insureds over the validity of claims or claims handling practices occasionally escalate into litigation (see insurance bad faith).
In 2017, within the framework of the joint project of the Bank of Russia and Yandex, a special check mark (a green circle with a tick and 'Реестр ЦБ РФ' (Unified state register of insurance entities) text box) appeared in the search for Yandex system, informing the consumer that the company's financial services are offered on the marked website, which has the status of an insurance company, a broker or a mutual insurance association.[54]
Low Income: If your income is 100 to 400 percent of the national poverty rate ($11,490 - $45,960) for a single person, you may qualify for subsidized health insurance. In many cases this is not free health insurance but subsidized. This means you can get bronze-level health insurance for about $2570 per year through one of the state exchanges. Extremely low-income individuals and elderly persons often qualify for Medicare. If you paid the fine for 2014 you may still qualify for insurance via an exchange, even if it is not during the open-enrollment period, to avoid the fee in 2015.
Humana is a great option for consumers in some parts of the United States, as it's only available in 22 states. If you happen to live in one of those states and are over the age of 45, you're likely going to see lower premiums than with other insurance companies. In our tests we looked at policies for single non-smokers in five different places. We found the premium rates were lower across the board than many other companies we tested, particularly for seniors.
Gap insurance covers the excess amount on your auto loan in an instance where your insurance company does not cover the entire loan. Depending on the company's specific policies it might or might not cover the deductible as well. This coverage is marketed for those who put low down payments, have high interest rates on their loans, and those with 60-month or longer terms. Gap insurance is typically offered by a finance company when the vehicle owner purchases their vehicle, but many auto insurance companies offer this coverage to consumers as well.
If you're a first-time homebuyer who's never had to deal with an insurance company before, State Farm may be your company. With a helpful website featuring industry-best educational resources, a quick and easy quoting process, and a stellar mobile app where you can view your policy, pay your bill, and file claims, State Farm offers one of the easier insurance experiences in the industry.
If your employer does not offer an affordable health insurance option and you do not qualify for subsidized insurance or Medicare, you can shop the open market for medical insurance. The health insurance companies we reviewed will allow you to request a quote online rather easily. Premium rates vary significantly by multiple factors. You'll learn that the monthly rates increase quite a bit as you age. Smoking also increases the premium rate. In most cases you can select non-smoking if you have not smoked in over six months.
An insurance underwriter's job is to evaluate a given risk as to the likelihood that a loss will occur. Any factor that causes a greater likelihood of loss should theoretically be charged a higher rate. This basic principle of insurance must be followed if insurance companies are to remain solvent.[citation needed] Thus, "discrimination" against (i.e., negative differential treatment of) potential insureds in the risk evaluation and premium-setting process is a necessary by-product of the fundamentals of insurance underwriting.[citation needed] For instance, insurers charge older people significantly higher premiums than they charge younger people for term life insurance. Older people are thus treated differently from younger people (i.e., a distinction is made, discrimination occurs). The rationale for the differential treatment goes to the heart of the risk a life insurer takes: Old people are likely to die sooner than young people, so the risk of loss (the insured's death) is greater in any given period of time and therefore the risk premium must be higher to cover the greater risk.[citation needed] However, treating insureds differently when there is no actuarially sound reason for doing so is unlawful discrimination.
Redlining is the practice of denying insurance coverage in specific geographic areas, supposedly because of a high likelihood of loss, while the alleged motivation is unlawful discrimination. Racial profiling or redlining has a long history in the property insurance industry in the United States. From a review of industry underwriting and marketing materials, court documents, and research by government agencies, industry and community groups, and academics, it is clear that race has long affected and continues to affect the policies and practices of the insurance industry.[57]
At the most basic level, initial ratemaking involves looking at the frequency and severity of insured perils and the expected average payout resulting from these perils. Thereafter an insurance company will collect historical loss data, bring the loss data to present value, and compare these prior losses to the premium collected in order to assess rate adequacy.[24] Loss ratios and expense loads are also used. Rating for different risk characteristics involves at the most basic level comparing the losses with "loss relativities"—a policy with twice as many losses would therefore be charged twice as much. More complex multivariate analyses are sometimes used when multiple characteristics are involved and a univariate analysis could produce confounded results. Other statistical methods may be used in assessing the probability of future losses.
Marine insurance and marine cargo insurance cover the loss or damage of vessels at sea or on inland waterways, and of cargo in transit, regardless of the method of transit. 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.
NerdWallet compared quotes from these insurers in ZIP codes across the country. Rates are for policies that include liability, collision, comprehensive, and uninsured/underinsured motorist coverages, as well as any other coverage required in each state. Our "good driver" profile is a 40-year-old with no moving violations and credit in the "good" tier.


text: https://bugs.koha-community.org/bugzilla3/show_bug.cgi?id=15263 Jonathan Druart <jonathan.druart at bugs.koha-community.org> changed: What |Removed |Added ---------------------------------------------------------------------------- Status|NEW |Needs Signoff --- Comment #7 from Jonathan Druart <jonathan.druart at bugs.koha-community.org> --- Test plan: On the search result and detail page, search for regression. On the search result (with a lot of results) you should notice a perf gain (I have not compared it). -- You are receiving this mail because: You are watching all bug changes.


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Well maintained 1/1/1 in desirable Hahaione Hawaii Kai neighborhood. CPR lot wth great ocean view. Low $200 Maintenance Fee includes electric, water, cable and internet. Pet negotiable. Seller financing ONLY, $100K down, minimum 18 months, 2.9% interest. Tenant occupied, 24 hour notice by appointment
Listing courtesy of 20 Degrees North Real Estate.
Based on information from the Multiple Listing Service of Hicentral MLS, Ltd. Listings last updated on . Information is deemed reliable but not guaranteed. Copyright: 2019 by HiCentral MLS, Ltd. IDX information is provided exclusively for consumers' personal, non-commercial use. It may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.


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Looking for Solaris? Find XLR Price, Exchanges, Reviews, Chart, Historical Data & XLR Marketcap
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Solaris (XLR) Ranked 1746 in Coin Market Daddy Currencies Index. Solaris (XLR) price is $0.168946. It has a current circulating supply of 1,752,693 XLR and a Marketcap of $296.11K. worth of Solaris (XLR) has been traded in the past 24 hours. Solaris (XLR) currency type is coin (mineable). XLR trading is available in number of exchanges. Exchanges information is updated automatically. Stay tuned to check updated information. If you find any error on this page, please Contact Us to update Solaris (XLR) and contribute to CMD Cryptocurrency Encyclopedia.
Solaris is a Hybrid PoW/PoS cryptocurrency based on the XEVAN algorithm.
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