Sunday, July 15, 2018

Perancis vs Kroasia

Perancis vs Kroasia


French goalkeeper Hugo Lloris made a blunder in the 69th minute led to a goal that was easily created by Croatian striker Mario Mandzukic.
Blunder it originated from the back pass by Samuel Umtiti, Lloris looks too relaxed in the mastery of the ball.
Mario Mandzukic takes advantage of Hugo Lloris blunders. Mario Mandzukic takes advantage of Hugo Lloris blunders. (REUTERS / Maxim Shemetov)
The Tottenham Hotspur goalkeeper was the ball to Umtiti, but the ball managed to hold the ball and struck the ball into the French goal.
A blunder that damages the chances of Croatia.
The French goal came from Mario Mandzukic's suicide (18th minute) and Antoine Griezmann's penalty kick (38 ').
A student scored one goal from Ivan Perisic (28 ').
The people did not deserve to be abducted 1-2 in the first round. Zlatko Dalic's team is actually featuring a ball that is more aggressive, entertaining, and positive.
France spelled out the champion could excel in the first round. One goal is created because of an own goal, and one other goal thanks to the 'reward' of the referee through VAR.
Seeing the final round that makes the end will take place until the fight is over.


There was no sign of pique in the first half after three times for the 120-minute match before the final.
In the second half, I will predict and re-score quick goals. Attack through the wings and release the cross-feeds remain a mainstay.
Serbia should be more observant in front of the French goal. Several times the cross-passes that were released through the wing in the first half just ended a 'dead goal'.
While France must look for other ways besides forcing attacks through Kylian Mbappe and Antoine Griezmann. France can not continue to rely on luck in the second half.
The arrangement of French vs Croats:
France: 1-Hugo Lloris; 2-Benjamin Pavard, 4-Raphael Varane, 5-Samuel Umtiti, 21-Lucas Hernandez; 6-Paul Pogba, 13-N'Golo Kante; 10-Kylian Mbappe, 7-Antoine Griezmann, 14-Blaise Matuidi; 9-Olivier Giroud.
Coach: Didier Deschamps.
Croatia: Subasic 23-Danijel; 2-Sime Vrsaljko, 6-Dejan Lovren, 21-Domagoj Vida, 3-Ivan Strinic; 7-Ivan Rakitic, 11-Marcelo Brozovic; 18-Ante Rebic, 10-Luka Modric, 4-Ivan Perisic; 17-Mario Mandzukic
Coach: Zlatko Dalic.
Argentine referee Nestor Pitana





Friday, July 6, 2018

Insurance





Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.
An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.



The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. The amount of money charged by the insurer to the insured for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. The insurer may hedge its own risk by taking out reinsurance, whereby another insurance company agrees to carry some of the risk, especially if the primary insurer deems the risk too large for it to carry. 









Early methods
Methods for transferring or distributing risk were practiced by Chinese and Babylonian traders as long ago as the 3rd and 2nd millennia BC, respectively. Chinese merchants travelling treacherous river rapids would redistribute their wares across many vessels to limit the loss due to any single vessel's capsizing. The Babylonians developed a system which was recorded in the famous Code of Hammurabi, c. 1750 BC, and practiced by early Mediterranean sailing merchants. If a merchant received a loan to fund his shipment, he would pay the lender an additional sum in exchange for the lender's guarantee to cancel the loan should the shipment be stolen, or lost at sea.
Circa 800 BC, the inhabitants of Rhodes created the 'general average'. This allowed groups of merchants to pay to insure their goods being shipped together. The collected premiums would be used to reimburse any merchant whose goods were jettisoned during transport, whether due to storm or sinkage.
Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. The first known insurance contract dates from Genoa in 1347, and in the next century maritime insurance developed widely and premiums were intuitively varied with risks. These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance.

Modern insurance
Insurance became far more sophisticated in Enlightenment era Europe, and specialized varieties developed.Property insurance as we know it today can be traced to the Great Fire of London, which in 1666 devoured more than 13,000 houses. The devastating effects of the fire converted the development of insurance "from a matter of convenience into one of urgency, a change of opinion reflected in Sir Christopher Wren's inclusion of a site for 'the Insurance Office' in his new plan for London in 1667."[4] A number of attempted fire insurance schemes came to nothing, but in 1681, economist Nicholas Barbon and eleven associates established the first fire insurance company, the "Insurance Office for Houses," at the back of the Royal Exchange to insure brick and frame homes. Initially, 5,000 homes were insured by his Insurance Office.
At the same time, the first insurance schemes for the underwriting of business ventures became available. By the end of the seventeenth century, London's growing importance as a center for trade was increasing demand for marine insurance. In the late 1680s, Edward Lloyd opened a coffee house, which became the meeting place for parties in the shipping industry wishing to insure cargoes and ships, and those willing to underwrite such ventures. These informal beginnings led to the establishment of the insurance market Lloyd's of London and several related shipping and insurance businesses.




Thursday, July 5, 2018

Homemade Facial Mask


Photo Sharing and Video Hosting at Photobucket

For oily-normal skin
Red and brown exotic facial2-3 large carrots
4 1/2 tablespoons honey
Cook carrots till soft. Mash and mix with honey. Apply gently to the skin, wait 10 minutes. Rinse off with cool water.


Did You Know? Carrots are very high in vitamin A and a source of vitamin C, folacin and potassium. A good fortifier of skin cells.

For dry skin
Banana Facial Mask
2 medium bananas
Honey optional

Mash bananas with a spoon. Let is not be too smooth. Let the mashed mixture be lumpy. Add honey if need be. Apply and keep on for 10 minutes. Rinse with cool water.

Did You Know? Bananas are a good source of ascorbic acid (Vit. C), Vitamin B 6 , and potassium and honey is primarily composed of fructose, glucose and water. It also contains other sugars as well trace enzymes, minerals, vitamins and amino acids. They make excellent moisturizers.



Pearl Peach Mask (for renewal skin)
1 medium peach
1 tablespoons honey
1 tbs oatmeal
Cook peach and mash in the soft insides into the honey and oatmeal mixture. Apply and keep on for 10 minutes. Rinse with cool water.

Did You Know? Peaches are great exfoliates and remove dead skin cells. Peaches speed up cell renewal, leading to healthier skin tone. The AHAs in these fruits help soften wrinkles, sun spots, age spots, blemishes and can even unclog pores.
For oily skin that is acne prone
1 medium size apple (grated)
5 tablespoons of honey

Mix the grated apple and mix with honey to make a mask. Smooth over skin and rinse off with cool water after ten minutes.

Did You Know? Apples - One medium 2-1/2 inch apple, fresh, raw, with skin has 81 Calories, 21 grams Carbohydrate, 4 grams Dietary Fiber, Soluble Fiber, Insoluble fiber, 10 mg Calcium, 10mg Phosphorus, .25mg Iron, 0.00mg Sodium, 159mg Potassium, 8 mg Vitamin C, 73 IU Vitamin A, 4mcg Folate. Source USDA Nutrient Data Laboratory 

Tuesday, July 3, 2018

Weatherproofing Your Home




Weatherproofing not only helps you control your energy usage and improve the atmosphere inside your home, it can also prevent structural damage from excessive heat, cold and inclement weather. Her are some easy ways for you to shore up your space, whether you live in a single-family home or an apartment.

Pay Attention to Windows and Doors

Most of know to add weather stripping to doors to get rid of cracks that can let out the cold and let in the heat, or vice-versa. This is also a great idea for louvered windows on screen porches, trailers and in bathrooms. Place a strip on the top of the back edge and on the underside of the front edge for a tight seal.

You should also think about window treatments for climate control? We're not talking about boarding up or shuttering the windows, but choosing drapes or blinds to keep excess sunlight out. This will also protect your walls and furnishings from sun damage, and if your choose the right shade, you'll never feel the loss of light.

The most costly solution is to replace your existing doors and windows for better efficiency. However, this is an investment that will pay for itself in energy savings.

Insulate

First of all, get rid of that old fiberglass insulation roll in your walls and replace it with foam. The roles are fine for attics, but make sure that you choose a higher level of protection. Other places that you should consider are pipes that are on exterior walls, around hot water heaters and n the inside of electrical outlet covers.

Preventative Measures

Before winter hits, you should have your duct work and heating system inspected and serviced. Regular inspections and maintenance will help ensure that you don't have a major breakdown mid-winter and helps avoid major repairs from lack of servicing. You should also have your chimney inspected and cleaned by a professional chimney sweep (yes, they're real). Palmco on Twitter is an example of how companies are using social media to alert their customers to breaking news, products launches and other interactions. Many companies also offer money-saving tips and invite public participation. If you have something to contribute, get on the Internet and let your local service providers know how you feel or offer suggestions for improvement.

Monday, July 2, 2018

Insurance Policies, Complaints and Testimonials



I have been reading reviews and testimonials from people who have various insurance plans. Some are tragedies while others are triumphs. Some are irrational and others are lucid. Some cast blame while others render excited cheers. The key to all of this is that there is no middle ground. The reviews or testimonials show either utter contempt for the insurance company or are overjoyed with their insurance company. Why is this?
There are several different reasons that we can explore:
First, the person didn't read or understand the policy.
One of the biggest problems is that people do not read their policy carefully. They make assumptions, they decide that they'll read it later, but never do. When they think they have a claim, they fail to read their policy to confirm their claim. They also fail to call the insurance company to determine if they are covered. Another problem is that the person reads the policy, but doesn't understand it and then fails to seek clarification from their agent or the insurance company's call center or website. The insured failing to read and understand their policy and making assumptions without seeking clarification is the biggest reason for complaints.
Second, they had an inexperienced or uninformed insurance agent.
Not all agents are alike. A career agent that is well-informed and experienced knows what the policy will and will not do and can explain the policy clearly and concisely. An experienced agent knows the right questions to ask, is in the business to help people and not just to earn money. An experienced agent can either answer your questions or knows who to call to get you your answers and does it in a timely manner.
Unfortunately, there are many brand new agents, or agents in it for the money that don't know the answers or where to get them, or they just don't care. Get to know your agent before you sign. Quiz them about who they go to for answers. Find out what kind of person they are and their personal interests. Call their supervisor if you have questions or concerns. Find out the agents motivations and knowledge base. The reputable inexperienced agents need people to trust them so that they can gain experience, but take the time to minimize your risk by using the suggestions I mentioned.
Third, they had an inexperienced call center representative.
Call centers have the same problems as many other businesses. They may have brand new employees that lack the experience to serve you properly. Again, just like inexperienced agents, call center representatives need people to trust them so that they can gain experience too. If you question the knowledge or abilities of the call center representative, politely ask to speak to their supervisor. That way you can get more definitive answers and help that inexperienced representative by creating a learning experience for them.
Fourth, you need to know that insurance is a team effort.
When something goes wrong and you find out that something you thought was covered is not covered, don't play the blame game. It doesn't matter that you failed to read the policy or that your agent forgot to tell you something about your policy, or that the agency is not paying your claim because of what you would say is a technicality. What matters is what you do with this information. Did you learn something from the experience? Are you better equipped to get what you need from your insurance the next time? What can you do to make sure you have the insurance coverage you need? What can you do to make sure your next claim goes through without any problems? We all make mistakes, but it's what we do with that mistake that counts. Learn and grow from mistakes and leave the blame game to those that just want to complain.
Know your policy!
When you get a new gadget, you read the instructions to make sure you know how it works. It's the same with insurance. Knowing how your policy works, what it covers, what it doesn't cover, how to submit claims and when to submit claims, will help you get what you want from your policy. This starts from before you even sign your application. Don't sign unless it covers all your needs and a price you can afford. Then review the entire policy at least annually and ask these questions. Is this policy still fulfilling my insurance needs? Do I know what is covered and what is not covered? Do I know who to call if I have questions? Do I know how to file a claim? Has my agent spoken to me sometime this year to check up on me and make sure my needs are still being met? If you can answer all these questions you are in good shape, if you can't, you need to call your agent, contact the call center or consult the agencies website for answers. I hope this information helps you.



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