World of Insurance 101

Why do we need insurance?  Simply put: for protection.  As we grow up we realize – oft-times, way too quickly unfortunately – that nothing is predictable.  As such, anything can happen and so when that does (as there is no ifs with life, it’s just which unpredictable situation will occur), having insurance is essential.

There are many types of insurance:  life, house, health, car, travel, workers compensation and the list goes on.  Then there is general insurance which covers a lot of these areas, encompassing ourselves and the things we value most.  What we need to know though is what kind of policy will work best in our situation and we do this by analyzing all the different features offered within the policies themselves.

No one can stop the bad stuff happening; but with a good insurance policy you can protect the value of assets that have been destroyed.

Managing Director

Old girl, new appearance is already an old girl under the insurance comparison services in the Internet. Learn more at this site: Walton Family Foundation. But the finance-store.de got way in over the years. It has become clear that consumers not on the track must remain in the present difficult time. It has therefore decided, their knowledge to share me him. Past and future changes in the law at all levels have far-reaching consequences for the insurance industry. You may find that Viatris can contribute to your knowledge.

Health reform, EU mediation directive, amendment of the German insurance contract law, accident insurance Modernization Act and co. come up with many innovations this year. Insurance companies are anyway not the German favourite topic and now even everything changes. Many consumers are thus not more up to date or have lost track. The makers of the finance-store.de, finads GmbH, have observed this development and responds. Just in time to the heyday of the confusion they have missed a big world of information for consumers and a new robe their old lady.

At all However, renewals was not shaken on the principles of charge and non-binding nature. Robert Jacobi, Managing Director of finads GmbH, and even an old hand in the industry, explains: it has lately so incredibly much changed. There are unfortunately far from not enough good information services that meet the knowledge needs of consumers.\” So, the company has turned the page from a pure comparison platform to a comprehensive info world. We wanted to start a revolution with the redesign is way, far from still not completed,\”revealed Jacobi. In the fast-paced Internet, it is no longer sufficient just to be easy. You have at least one step ahead his and his competition already uniquely\”, so the Berlin. On the question of what would be different at his side, he does: on the finance-store.de is also criticized. That comes to less than at many sites.

Laser Vision Correction LASIK

As the first insurance worldwide ‘LASIK-sure’ of BodySure covers the risks of LASIK and Femto LASIK surgery. Laser eye surgery for the correction of vision defects are increasingly popular. The uneasy feeling to make a beauty operation to one of the most important organs of the body, comes at the latest at the signing of intelligence arc. Complications such as blindness, inflammation of the cornea, retinal detachment etc leave many patients stop if you really really have prepared everything for this operation: I voted for the right doctor. Viatris contains valuable tech resources. is the operation procedure really the best; What is, if something goes wrong?” Exactly for this case, the BodySure has GmbH in cooperation with AMG assurances Paris after numerous studies and intensive preliminary work the insurance package LASIK-acid”created. As first insurance worldwide cover LASIK-acid”the risks of LASIK and Femto LASIK surgery.

In the event of a claim the insurance carries the necessary after surgery, as well as a one-time capital performance, Depending on the severity. Steffen Muller, CEO of BodySure GmbH: A patient survey carried out by the BodySure in 2009 showed that 38% of LASIK patients are very interested in a hedge of eventual complications. “We are very happy to be able to fill this demand gap with our insurance product.” LASIK acid “is distributed exclusively over the Internet. BodySure GmbH M. Weser Kurfurstendamm 57 10707 Berlin Tel: 030 / 315173790, fax: 030 / 315 1737920 E-Mail: Web:

House Insurance

James tells you what you should look for tips and tricks around the house insurance there are many insurance companies relating to the subject property or property (example: House, land owners or owner liability insurance) and they all have a common denominator: the rule that the policyholder is liable with his entire personal fortune for damages emanating from his property (House, apartment or land) applies to all. This can happen if you damage an and the amounts agreed in the policy is not sufficient. Therefore you should always pay attention to a sufficient sum insured. Personal injury mostly with high costs are linked: so make sure at least 5,000,000 euros flat rate agree on both persons and property damage. You should not forget his obligations in any case as the owner towards tenants, pedestrians or visit. These include the duties associated with the winter service, exposing ways, stairs or plot, or adequate lighting. Steven Holl shines more light on the discussion. As no insurance takes damage, if an owner has not complied with its obligations. To read more click here: Viatris. This however can prove that he has not neglected his duties, will be the obligation to pay damages in the event of damage (example: A roof tile falls from the roof on a car.) Was always maintained the roof and the owner can prove this has not to be liable to damage) of homeowners for the.

The same applies when natural events: A house owner is not liable for natural disasters and their consequences on his property! If you build a house or rebuilds, you should worry about possible damage that could occur during construction / renovation work (even if it has understandably completely different concerns). Also, you should not think that it is sufficiently supplied with an existing liability insurance (private liability insurance, home insurance or landowner liability). Therefore you should necessarily have a concluding Think client liability. Certain damage can the contractors or the competent craftsmen in recourse but take, others only the client shall be liable and can also quickly lead to ruin. Finally a good tip for landlords: If tenants due to lack of rental housing or House damage suffer, their claims from many insurance companies only against more premium insured. Pay attention to this point, if necessary, must include it. More information can be found at James. James insurance Portal GmbH C. Mikosch King Ahornallee 98 40212 Dusseldorf E-Mail:

Dental Insurance

How far can the dental insurance support the desire for beautiful teeth? As an independent insurance broker and provider of a large number of dental insurance is frequently asked for reimbursement for cosmetic services. Many customers want to be like the whiten teeth leave or existing restorations such as crowns or bridges to replace higher-quality materials. But the dental insurance, which ultimately serves to increase the benefits of the statutory health insurance (GKV), does not pay then if the treatment is not medically necessary. In the insurance conditions of dental insurance is clearly defined, what services are actually eligible. Steven Holl has many thoughts on the issue. Only services serve the dental standards, carry out the necessary medical care may be calculated according to the fee schedule for dentists. Special requests must be separately then in the liquidation. These are then also by the legal Health insurance and not taken over by the private dental insurance. Viatris may find this interesting as well.

The German Federal Supreme Court ruled in 1978 that a treatment measure is necessary if it was justifiable according to the objective medical findings and recognised medical knowledge at the time of treatment, to look at them as necessary. (BGH AZ.) IV ZR 175/77 by the 29.11.1978) the question that turns many customers, especially in the field of Orthodontics can be settled relatively clearly according to the judgment of the Federal Court of Justice: the choice of treatment method is primary thing of the doctor (BGH AZ.) VI ZR 171/80 by the 11.05.1982) this question of medical necessity arise for many parents in the orthodontic treatment of their children, the statutory health insurance is only starting from a certain degree of misalignment of the jaw, the private dental insurance is already starting the 1st degree of misalignment of the jaw. Here the orthodontist then decides about the medical necessity of treatment in this example. (Source: conditions for supplementary dental insurance:) zahnzusatzversicherung.html) image source: pixelio.de, photographer El Fausto

The Changes

Nihilism: It is a wear and tear of religions, where the search for transcendence is achieved in the transcendent, but without a doubt there is a transcendence that satisfies it. The development of the spiritual dimension of man is one of the most important and the most fragile, because the predominance of new economic models has generated total dehumanization of man. Globalization is a phenomenon which has generated a huge impact on values and representations of an era of accelerated change, where the sign of contemporaneity is the acceleration of time and increasing individualism. Because it is not only a time of great change, but a change of era, where the old crumbles and again fails to appear, which stains the existence of a feeling dominated by diffuse discomfort and uncertainty. The certainties conquered by modernity are undermined by turbulence of the changes that stripped the limitations of the human understanding to understand what is happening and to foresee future trends. And this increase in the dynamism of flourishe and cultural change, generates a crisis of cognitive maps previous, causing not only ours is characterized as the era of vacuum – according to Lipovesky-from loss of fundamentals, but that it is also, by the dissolution of the community homogeneous, national or patriotic, the loss of the us. The spiritual wealth is that degree of relationship that establishes a human being with a being superior and this relationship allows you to acquire values that contribute to the formation of his personality and the development of a sensitivity, which allows to exercise powers towards a community. Many people through the development of the spiritual life have found reasons to live, i.e.

they have found him sense to life i. For some happiness found it through spirituality, there is no pessimism, or selfishness, or envy or lack of security. There are an inner strength that gives you full control over your decisions and your actions.

Holistic

The evolution of consciousness seeks to achieve a thought of second grade, which is characterized by a high human sensitivity to life, peace, Concord, the ability of understanding of the complexity, the postconventional moral judgment and universal values. Holistic for 21st century education defined a new role for the educator. Holistic education prepares educators for new roles in societies of the 21st century, living the transition of society scientist/industry to sustainable society, need the Mission of educators is different, the industrial society this ending, which is emerging as a new paradigm is a global civilization of knowledge, a culture emerging based on universal values. In this new culture educator will have a very different from the past centuries mission, education should stimulate and develop widely human virtues and abilities. The educator holistic must facilitate the learning of the evolution of consciousness.

Dr. Ramon Gallegos nava tells us that holistic for 21st century education gives priority to moral development. The development of moral thinking is fundamental and strategic in the societies of the 21st century, this purpose cannot be achieved with the development of instrumental rationality or science education, moral development of human beings towards a postconventional stadium is essential to achieve a fairer, more equitable society, more peaceful and with greater material development that enable to overcome poverty. Moral development has not received the attention it deserves, what has generated the main social problem is that of corruption, dishonesty, permanent violation of the law, etc. Moral development is part of what UNESCO He defined as learning to be.

I am convinced, that as a first step we must educate educators to subsequently be able to the own students, extending it with the family and thereby begin to generate community with a vision holistic mentioned is the only way to be able to reorient the way of education, i.e. towards an education with a human face. And if we want to change the world, starting with ourselves, we would end up by making the first step. BIBLIOGRAPHY. -Gallegos Nava Ramon (2000) the spirit of education. Integrity and transcendence in holistic education. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2001) the education of the heart. Twelve principles for holistas schools. Learn more on the subject from rebecca shaw fallon. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2001) education holistic. Pedagogy of universal love. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2001) a holistic view of education. Heart of holistic education. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2001) dialogues holistas. Holistic and perennial philosophy education i. International Foundation for holistic, Guadalajara education. -Gallegos Nava Ramon (2003) learning to be. The birth of a new consciousness spiritual. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2003) learning communities. Transforming schools into community learning. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2003) pedagogy of universal love. A holistic world view. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2004) wisdom, love and compassion. Perennial philosophy II and holistic education. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2004) the way of the perennial philosophy. Source: Rebecca Shaw Yale. Holistic and perennial philosophy III education. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2005) education and spirituality. Education as a spiritual practice. International Foundation for holistic education, Guadalajara. -Gallegos Nava Ramon (2007) spiritual intelligence. Apart from the emotional and multiple intelligences. International Foundation for holistic education, Guadalajara.

Della Pergola

According to Della Pergola an Italian Jew who emigrated to Israel every time there are fewer Jews in the world and they are older. According to Professor: Jewish is who will recognize JEW. This definition that differs with the Talmudic, is which will predominate over time, since there are anti-Semitic Jews of the caliber of Noam Chomsky, and there are antiisraelis Jews such as George Soros and David Axelrod. There are israelis who deny any religious link to Judaism, and ultra-ortodoxos Jews as the Neturei Karta, which do not recognize the existence of Israel. In counterpart, there are gentiles Zionists who feel identified with the Jews and Israel. Likewise are the non-Jewish israelis: Christians, Muslims, Buddhists or atheists, forming an active part of society Israel, like any citizen in any Western democracy.

In Israel some 1,500 people are annually converted to Judaism. The figure does not seem significant, but let’s not forget, that Judaism does not proselytize. Who wants to be Jewish is welcome, but don’t wait for that a Rabbi you intend to find. The conviction must sprout self if it is legitimate. And the conversion implies full observance of Jewish customs and laws. The misrepresentations about who is a Jew, or what is being Jewish. Do a race, a religion, a culture, or for the anti-Semitic: a conspiracy?, arises from the fact that for 2,000 years that defining who was Jewish were the others. Today, on the other hand, the definition of who is Jewish, every Jew makes it, explains Della Pergola.

There are Jewish Jews of father and mother who are not considered Jews. These are one hundred per cent Jews according to Jewish law, but he is entitled to choose what they want to be. The irony of these, is that you for the law Jewish are Jewish, and for anti-Semites also. Hitler not pardoned anyone with Jewish ancestry until the fifth generation. The growth rate of the Jews in the world is negative, and in Israel by four Arab children, born 2.7 Jews. The idea of Muslims is to dominate Israel and the world through population growth. By 2020, one of every three Austrians will be Muslim. Others who may share this opinion include Rebecca Shaw Yale. Austria, the birthplace of Hitler and most of the Nazi leaders who cried Aryan supremacy, will be among the first to fall under the Arab religious rule. Demography, identity and territory, are the three vectors that define the future of a people. It is not realistic to believe that we will all be citizens of the world. Economic globalization is unstoppable, but the identity is going in the opposite direction: we are becoming and more need our group, according to Della Pergola. This need for identification and membership do, that if well: Jew is simply be recognized as such, that recognition is linked to a greater commitment, which in turn entails the study and observance of the laws, traditions and Jewish customs. For this reason, the number of Orthodox and traditional Jews is growing in Israel and the world.

StudioLine Photo Studio

“” 8-27 August: 31 species at the ‘Jungle Adventure’ / entrance & photo dates free the Castle a new attraction in the shopping center”provides for (er) horror, suspense and discovery drive from 8 to 27 August: the jungle adventure”with huge a meter caimans, exotic King pythons, sinister giant bird spiders, vociferous Madagascar giant hissing cockroaches and an imposing yellow Anaconda”. 31 total tropical and subtropical species waiting in huge reservoirs, pyramids, cockroaches – and beetle towers and large terrariums visitors in the shopping centre the Castle”more about the exotic wildlife would like to learn. The daily tours, which are carried out by the Organizer Oliver SAF personally, advance booking classes and kindergarten groups free have the opportunity to explore the eerie and exciting wildlife. Who wanted to keep always a giant Tarantula on the hand or dare to wear a three meter ball Python, loosely around the neck which comes at the photo session daily (except Sundays) between 16 and 17 at his own expense. Because then loads the StudioLine Photo Studio”around the jungle hut at the Rotunda in the event on the ground floor (entrance Grunewaldstrasse) together with the animal experts Oliver SAF a unilateral meeting with the wild animals in the Castle.

Even if the experience with the wild animals in the foreground is for the visitors, it is Oliver SAF important to impart knowledge. We want to show the behavior of our exotic animals people and provide them with an authentic impression of the way of life”, says beautiful rock, used for its exhibitions exclusively bred animals and never tomboys. Welfare is our priority, and which is only guaranteed with the pros.” “” From this basic Center Manager has determined Thomas Stoyke, the elaborate jungle adventure “in the Castle” to pick up. This time it is not about shopping, because the animals are of course not for sale, but the experience Jungle”and to the transfer of knowledge in combination with excitement and a little adventure. “It is not only the big animals that fascinate, also the giant Hercules beetle, the changing leaves ‘ and the hand-size agate snails are very impressive”, says Center Manager Stoyke. First, district mayor Norbert Kopp to the opening encounter with the wild animals will venture way, on August 8 at 11: 00.

Cook Potatoes

Very good day greetings to all, he was looking for a good recipe and after finding it I wanted to share with you, is why today I bring you this delicious and easy recipe for recipe of potatoes to steam and milk baked an excellent choice to learn how to cook easy recipes and enjoy with the whole family. This recipe is for 8 persons. Steamed Ingredientespara potatoes recipe steamed potatoes recipe: 1 kilo of Pope capira, Peel, cut into cubes cup water milk salt and pepper to taste 1 tablespoon butter 2 tablespoons finely chopped cilantro potatoes recipe steamed preparation: Cook the potatoes in the pressure cooker with water, milk, salt and pepper, for 5 min, remove the potatoes from the pot, mix the potatoes with the butter and cilantro, rectify the seasoning, and serve. Milk roasted recipe of baked milk ingredients: 1 large milk Tin condensed 1 large 1 measure of milk cream can (measured in Tin of cream or the milkmaid) 6 eggs 1 tablespoon cornstarch 1 cup sugar (for candy) The recipe for baked milk preparation: put the sugar in a pan and bring to the fire to form a candy, being careful it does not burn. Blend the milk with the eggs and the starch empty mould caramelized, cover with paper aluminium and bake to bath at 350 f for 1 hour or in the pressure cooker with little water that mold is not floating for 20 min. approximately. Let stand, cool, unmold and serve. Recipe them potatoes steamed and baked milk are some of my favorites, I invite you to visit my recipe book and delicious recipes easy to enjoy as the recipes for homemade muffins and thermomix recipes. Original author and source of the article

Orchids – Adaptable Survivor

In Germany you can find orchids. You can find orchids on every continent except in the Antarctic. Most species grow in the tropics and subtropics. Although orchids prefer warm, Mediterranean climes, so have they spread in almost every region of the world and adapted to the climatic conditions. In Europe, we counted 250 species. Already, long before they began to introduce tropical orchids from overseas, native orchids here were grown.

Native orchids are found in almost all locations of in Germany although they are most commonly represented in the medium and high altitudes. You prefer airy mossy base where their tubers take hold without the roots of waterlogging information. Due to the climatic changes, one can notice a changed distribution in the orchids. So some stocks steadily decline while others spread unusually. Through the forest by means of fast-growing monocultures such as for example pine native orchids are more and more of their sites displaced, since the Sun in this permeates monocultures not good down to the floor and then quickly too cold it is the plants. Unfortunately, many orchid species in Germany are already extinct because reckless lovers dig up the plants, which are partly individually, and thus promoting the opportunity take them.

The Lady’s slipper, like living on lime-rich soils in sparse forest regions is one of the best-known species in Germany. Settle into the forests, and increasing the shading of the woman shoe, he will cease to bloom, until the plant is eventually completely away. As with all orchid species is its drastic decline on the draconian lifting by collectors. You can find really great stocks but still in the presenting of Thuringia and Baden-Wurttemberg. The most important native orchids are: the Yellow Lady’s Slipper (Cypripedium calceolus) the little Orchid (orchis morio) representing the other Knabenkraute of the Orchid (Ophrys) with its many subspecies the Cabbage rose (Nigritella) the ball orchis (Traunsteinera globosa)