What is insurance?

Put simply, insurance is a policy designed to make sure that you are no worse off after an accident or disaster (such as a flood or burglary) than you were beforehand.
There are dozens of different types of insurance, from insurance that you have to take out by law (such as car insurance), to policies that it's a good idea to have (such as contents insurance) to those that are 'nice to have' rather than necessities.
Figures from the Association of British Insurers show that, during the recession, one in four people cancelled their home insurance. While it's a good idea to make sure you're not paying for insurance you don't need, you should always think about what would happen if disaster were to strike before cancelling any insurance policies.

thompsons.law.co.uk Our Serious Injury Clients

Our Serious Injury Clients

• Patrick was seriously injured in an accident at work when a gantry he was working from collapsed.  At first it was thought that he wouldn't survive but he did eventually regain consciousness.  He spent almost 4 years in hospital and in rehab and although he will require life-long care as a result of the brain injury he sustained, he has made some improvements and can now talk and feed himself.  The compensation Thompsons recovered for him paid for a specially adapted bungalow and a care plan for the next 40 years.  To read the full story, visit Patrick's Story.
• Roger Adams works as Head Groundsman at a college and was at work cutting the grass with a tractor mower when it became blocked with cuttings.  While trying to free the jam, the blades cut off his left forearm.  He needed 11 operations and has now been fitted with a prosthetic arm.  Thompsons recovered compensation for him which took into account that he would not be able to carry on working until retirement age as he had planned to and that he would need extra help with some everyday tasks he could no longer manage.  To read the full story, visit Roger's Story.
• Rebecca was only 13 years old when she was hit by a car on her way to the shops.  She suffered severe brain damage and was in intensive care for 7 weeks and then on a ward for 6 months.  She was blind and confined to a wheelchair.  With expert care and sheer determination, Rebecca regained her sight and is now determined to learn to walk again.  Her memory and speech are also improving.  The compensation Thompsons recovered for Rebecca paid for a specially adapted bungalow as well as the ongoing cost of her care and rehabilitation.  To read the full story, visit Rebecca's Story.

Serious Injuries

Serious injury

Introduction to serious injuries

If you or your loved-one suffers what insurers refer to as a ‘catastrophic injury’ life is likely to become difficult. Spinal injuries, brain injuries, severe burns or amputations change your life and that of your family forever.
24-hour care may become a necessity. Special equipment may be required and your home may need to be adapted. Months of rehabilitation may follow the accident, which has led to your serious injury. Re-training may become necessary. For some people, their serious injury will mean the end of their working lives.
You will need financial support to rebuild your life.
Our Serious Injuries Unit has put together the following information to help you to understand the process of making a personal injury compensation claim for a catastrophic injury.

LET YOUR NAME GO TO MARS

TAKE a BREAK on VPN , LET YOUR NAME GO TO MARS
NASA is doing a thing where they take people names and put them on a microchip of a mars explorer thingy.
Hope you'll like this post

Just for fun
http://marsparticipate.jpl.nasa.gov/msl/participate/sendyourname/

Clssy White Gold Wedding Rings

For those who are looking around for a perfect wedding gift for someone close in their family, white Gold rings can provide the best in class solutions to one and all in just about no time at all. These are light weighted, classier and elegant rings which would be cherished by the couple for a long time to come. Unlike conventional gold rings, these are whiter and shinier in color. However, one can easily choose amongst the various possibilities for white Gold ring designs over the counter or across the Internet. Much appreciated aspects about the white Gold rings is that these can be custom made or be bought on the go without any concern.

24-carat gold and diamond plated MacBook Pro

The 24-carat gold and diamond MacBook Pro

The gadget world is getting ‘golden’ day by day with a large number of gadgets being manufactured with gold bars and diamonds. Its all seem to be glittering all around. The apple is no less in the lead having fashioning the 24-carat gold MacBook Pro. The MacBook is completely golden with a diamond studded apple logo. Yet another product for a filthy rich businessman, seeking the attention of his wife can definitely contemplate over this gadget.

How does insurance work?

How does insurance work?

When you take out an insurance policy, you pay a premium to the insurance company. If you never make a claim, you never get any of the money back; instead it's pooled with the premiums of others who have taken out insurance with a particular firm. 
That may not sound like a good deal, but the idea behind insurance is that everyone pays into a pot of money, knowing that only some of them will ever need to make a claim. If you have to make a claim (perhaps because your washing machine has flooded your kitchen and damaged your floor), the money comes from the pool of your and other policyholders' premiums.  

How are premiums calculated?

Insurers are professional risk takers, which means they know the probability of different types of risk happening so they can calculate the premiums needed to create a fund large enough to cover likely loss payments. 

Two kinds of insurance

There are two different kinds of insurance - life insurance andgeneral insurance.

General insurance pays out:

• If a car has an accident or is stolen
• If a house catches fire or is burgled
• If a holiday has to be cancelled

Most life policies, on the other hand, pay out when an event happens, such as when someone dies.
Anyone can buy life insurance but, the amount you pay in premiums will depend on your age, your health, and the type of work you do. The younger and healthier you are, the cheaper the premiums for life insurance. But if you work in a risky job, you'll normally have to pay more for life insurance. 
Most types of insurance are annual policies. That means that the amount you pay can change every year and, if you've made a claim in the previous year or your circumstances have changed, it could affect your premiums.

Choose the right Car Insurance

Even though we have come out of the economic crisis we were facing last year, we haven’t fully come out of it. So we should be careful in choosing the right and Cheap Car Insurance. Many of us don’t know how much we are paying for a Car Insurance.
Now-a-days a lot of companies are mushrooming who offer a cheap Car Insurance. But we need to analyze before we take one.

• First strictly budget yourself on how much you are going to pay for an Automobile Insurance. After this start looking for the companies which offer the best and cheap Car Insurance.
• You can use the internet at home or work place and find out easily what are the best options available. This can save you quiet an ample amount of money as you don’t need to roam about or go from place to place in search of an insurance company which will offer you the best policy.

Auto Insurance 101

Auto Insurance
Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Also, car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right. Let's start with deciding what car insurance coverage you need: 
1. What Kind of Coverage Do You Need?: Before calling the insurance company and getting your insurance quote, take the time to decide what kind of coverage you need. In every state you have to have at least liability coverage. But, you need to decide if you would like to add these additional car insurance coverages: 
Comprehensive 
Collision 
If you choose comprehensive and collision coverages, you will need to decide what deductible amounts you would like. And, it is important to know what policy limits your state requires so you can decide what policy limits you would like. Other coverages you may also be interested in: 
Emergency Roadside Service 

5 Things You Need To Know About Insurance

5 Things You Need To know About Insurance
Different types of insurances may be very confusing, specially to those who lack knowledge about them. Well actually, insurances really help us to cope up with unpredictable incidents such as sickness, property loss, death and many more. The only funny thing is, it is the only commodity that we pay for but do not want to use. Why? We all know that before we acquire a certain benefit from an insurance, something tragic needs to take place. People purchase death insurances but of course, they don't want to die. Basically, when we get ourselves an insurance, it is not always for our benefit, some are for our loved ones. Like the death insurance wherein when we die, we can be assured about our family's protection, financial stability and even educational plans for our kids. Also, before anything else, we must possess a complete understanding on what type of insurance should we get and what is best for us. Here are some factors you must know:
1. What kind of insurance do I need? - We should know what type of insurance are we going to get depending on our situation, health, possessions and stability.
2. Is Homeowners Insurance the best when it comes to properties? - Our house, being our single but biggest

Diamond Insurance

Insurance for your new diamond and any future piece of luxurious jewelry can prove to be very valuable

Often times the price of the wedding ring can be similar to the value of the car you own. If you own car insurance, don’t you think it may be wise to do the same for your cherished diamond.

What factors affect my car insurance premium?

There are a number of challenges the car insurance industry has to contend with, and unfortunately these can often cause premiums to rise across the board as costs are passed on to the customer..

The ever increasing expense involved in legal proceedings is one such problem: - people are now more likely to make a personal injury claim than ever before, and the amounts being awarded for injuries such as whiplash are also larger than they have been in the past.

Furthermore, the NHS can now claim treatment costs (including ambulance callout costs) from insurance companies. If you are the at-fault party in an accident, your insurer will have to pick up the bill for any NHS treatment the other party requires (and vice-versa, of course), and you might be surprised by just how large NHS bills can be.

Of course, simply by purchasing car insurance you are helping to keep premiums down. Research indicates that between 5 and 10% of UK motorists drive without insurance for some part of the year (in some cases this is simply a few days while switching providers), and if you are involved in an accident with an uninsured driver your insurer will likely take the brunt of the cost.

This problem adds around £30 to every insured driver's premium per year, which creates somewhat of a loop: As insurance gets more and more expensive, more people choose to drive without it, meaning more unnecessary costs for the companies, resulting in premiums increasing further - and then the cycle begins again.

Insurers also invest a lot of money gained from premiums in order to pay out when claims are made. Of course, when the stock market or global economy is unstable or otherwise sinking, investment returns are far lower, and this means the insurance companies have to find another way to bolster their income - and do so by raising premiums. While this is more obvious in the home insurance industry (Where freak weather can lead to high numbers of expensive claims), it also affects the car insurance industry.

Top Health Insurance Companies for Individuals

Buying health insurance can be a daunting task. You want to get the most coverage you possibly can afford, but there are many factors to consider when determining which plan is best. The easiest way to research individual health insurance plans is to go to a reputable Internet website that provides side by side comparison of multiple plans from different companies. Luckily, this article does just that in order to report on the top four health companies for individuals.

UltraSurf 10.08 Free download now Released!

After the release of UltraSurf 10.07 Ultra Reach has now released their latest version UltraSurf 10.08 i hope this version would perform much better than the other versions but still i love their Ultrasurf 10.06 for it does not crash too much and has a good speed :)
UltraSurf is a free software which enables users inside countries with heavy Internet censorship to visit any public web sites in the world safely and freely. Users in countries without internet censorship also use it to protect their internet privacy and security.

With UltraSurf started, you can use web browsers (like IE, Firefox) the same as before, but all are under UltraSurf's protection now.

Formal education in Europe during the Middle Ages 500-1600 AD

here is a piece of information from wikipedia.org about the education Europe During the Middle ages

EuropeSee also: Medieval university, List of medieval universities, and List of oldest universities in continuous operation
The Abbey of Cluny was one of the most influential
During the Early Middle Ages, the monasteries of the Catholic Church were the centres of education and literacy, preserving the Church's selection from Latin learning and maintaining the art of writing. Prior to their formal establishment, many medieval universities were run for hundreds of years asChristian cathedral schools or monastic schools (Scholae monasticae), in which monks and nuns taught classes; evidence of these immediate forerunners of the later university at many places dates back to the early 6th century AD.^[46]

The Education of the Ancient Civilizations

A piece of information about the education of the Ancient people From Wikipedia.org

The development of writingStarting in about 3500 BC, various writing systems were developed in ancient civilizations around the world. In Egypt fully developed hieroglyphs that could be read in rebus fashion were in use at Abydos as early as 3400 BC.^[12] Later, the world's oldest known alphabet was developed in central Egypt around 2000 BC from a hieroglyphic prototype. One hieroglyphic script was used on stone monuments,^[13] other cursive scripts were used for writing in ink on papyrus,^[13] a flexible, paper-like material, made from the stems of ree

What is the history of Education?

According to Wikipedia:

The history of education is the history of teaching and learning. Each generation, since the beginning of human existence, has sought to pass on cultural and social values, traditions, morality, religion and skills to the next generation.^[1] The passing on of culture is also known as enculturation and the learning of social values and behaviours is socialization. The history of the curricula of such education reflects human history itself, the history of knowledge, beliefs, skills and cultures of 

What are Vocation Schools?

Vocational Schools are defined by Wikipedia as:

A vocational school (or trade school or career school), providing vocational education, is a school in which students are taught the skills needed to perform a particular job. Traditionally, vocational schools have not existed to further education in the sense of liberal arts, but rather to teach only job-specific skills, and as such have been better considered to be institutions devoted to training, not education. That purely vocational focus began changing in the 1990s "toward a broader preparation that develops the academic" and technical skills of students, as well as the vocational.^[1]

Source: http://en.wikipedia.org/wiki/Vocational_school

What are Virtual Schools?

Virtual Schools are defined by Wikipedia by:

A virtual school or cyberschool describes an institution that teaches courses entirely or primarily through online methods. Though there are tens of thousands of commercial and non-accredited courses available online, the term "virtual school" is generally reserved for accredited schools that teach a full-time (or nearly full-time) course of instruction designed to lead to a degree. Virtual public and private schools serving every grade level including graduate programs may elect to pursue accreditation through various regional and national organizations. Accredited schools must meet rigorous standards as defined by the issuing organization and are designed to insure that students are receiving the highest quality instruction and education. Examples of organizations that issue school accreditation include: [1] Middle States Association of Schools and Colleges, [2] Northwest Association of Accredited Schools
All or a majority of the student services are conducted via Internet technology. The virtual school differ/contrasts from the traditional school through the physical media that links administrators, teachers, and students. Virtual schools are an alliance of public distance learning schools. Many states in the United States have their own virtual school often with a student population numbering in the thousands.

What is Distance Education

The Difinition of Distance Education According to Wikipedia:

Distance education or distance learning, is a field of education that focuses on teaching methods and technology with the aim of delivering teaching, often on an individual basis, to students who are not physically present in a traditional educational setting such as a classroom. It has been described as "a process to create and provide access to learning when the source of information and the learners are separated by time and distance, or both"^[1] Distance education courses that require a physical on-site presence for any reason (including taking examinations) have been referred to as hybrid^[2] or blended^[3] courses of study.

Source: http://en.wikipedia.org/wiki/Distance_education

New England Association of Schools and Colleges

The New England Association of Schools and Colleges, Inc. (NEASC), founded in 1885, is the oldest regional accrediting association in the United States whose stated mission is the establishment and maintenance of high standards for all levels of education, from pre-kindergarten to the doctoral level.
NEASC serves more than 2000 public and independent schools, colleges and universities in the six states of Connecticut, Maine,Massachusetts, New Hampshire, Rhode Island and Vermont and 138 American/International schools around the globe.
The NEASC is headquartered in Bedford, Massachusetts.

source: http://en.wikipedia.org/wiki/New_England_Association_of_Schools_and_Colleges

Middle States Association of Colleges and Schools

The Middle States Association of Colleges and Schools is a voluntary, peer-based, non-profit association dedicated to educational excellence and improvement through peer evaluation and accreditation. It is one of six regional accrediting organizations for higher educationinstitutions recognized by the Council for Higher Education Accreditation and the United States Department of Education. The Middle States Association is responsible for accrediting educational institutions in New York, New Jersey, Pennsylvania, Delaware, Maryland, the District of Columbia, Puerto Rico, and the US Virgin Islands. The Middle States Association also works with schools in the Near East, Far East,Africa, and Europe, and thus far with one school in Canada, and another in Chile .

University of Wyoming

The University of Wyoming is a land-grant university located in Laramie, Wyoming, situated on Wyoming's high Laramie Plains, at an elevation of 7,200 feet (2194 m), between the Laramie and Snowy Range mountains. It is known as UW (often pronounced "U-Dub") to people close to the university. The university was founded in September 1886, four years before the territory was admitted as the 44th state, and opened in September 1887. The University of Wyoming is unusual in that its location within the state is provided by the state's constitution.^[4]The university also offers outreach education in communities throughout Wyoming and online.
The University of Wyoming consists of seven colleges: agriculture and natural resources, arts and

Oklahoma State University

"Oklahoma State University–Stillwater (also referred to informally as Oklahoma State, O-State and OSU) is a land-grant, sun-grant,coeducational public research university located in Stillwater, Oklahoma, USA. OSU was founded in 1890 under the Morrill Act. Originally known as Oklahoma Agricultural and Mechanical College (Oklahoma A&M), it is the flagship institution of the Oklahoma State University System. Official enrollment for the fall 2010 semester system-wide was 35,073, with 21,149 students enrolled at OSU-Stillwater.^[4]OSU is classified by the Carnegie Foundation as a "High Research Activity campus".^[5]
Oklahoma State University is listed by the Princeton Review as one of 120 “Best Western Colleges” for 2011, and as one of 50 "Best Value Colleges – Public" for 2010.^[6] It is ranked by U.S. News & World Report No. 66 among "Top Public Schools:National Universities" and No. 132 among all National Universities for 2011.^[7] For 2009–10, 

East Carolina University

East Carolina University is a public, coeducational, engaged doctoral/research university located in Greenville, North Carolina, United States. Named East Carolina University by statute and commonly known as ECU or East Carolina, the university is the largest institution of higher learning in eastern North Carolina and the third-largest university in North Carolina (second-largest according to US News and World Report which uses Undergraduate Admission as its determinant). With a Fall 2010 enrollment of 27,816 students, it is the fastest-growing campus in the University of North Carolina system for six consecutive years.

The North Carolina General Assembly founded ECU on March 8, 1907 as a teacher training school and selected Greenville as its seat on July 2, 1908 with the first classes beginning in 1909. While East Carolina has historical strengths in education, nursing, business, music,theater, and medicine, it offers over 100 Bachelor degree areas of study including mathematics, hospitality management, Information and Computer Technology, engineering, construction management, computer science, exercise physiology, political science, social work,andenvironmental health.

Pennsylvania State University

Pennsylvania State University 

" The Pennsylvania State University (Penn State) is a multicampus state-related, land-grant, space-grant public research university with campuses and facilities throughout Pennsylvania, in the United States.

Founded in 1855, the university has a threefold mission of teaching, research and public service. Its instructional mission includes undergraduate, graduate, professional and continuing education offered through resident instruction and online delivery. Its University Parkcampus, the largest of 24 campuses across the state, lies within the Borough of State College and College Township, Pennsylvania. "
Source: http://en.wikipedia.org/wiki/Pennsylvania_State_University