Insurance is a contract between a person or entity and an insurance company, wherein the insurance company will compensate or cover losses for the person or entity in the case of an unforeseen circumstance occurring. The contract itself takes the form of a policy, which spells out specifically what the insured is covered for and what the insurer is willing to pay. Insurance can take many different forms from life insurance, health insurance, property insurance, etc.How are insurance premiums calculated?According to Investopedia, using life insurance as an example, the premium “depends on statistical data that exists about the life history, age, and health.” Insurance companies basically look at the potential risk factors of whatever is being insured and come to the premium required for coverage. For instance, a kid in high school driving a Mustang will likely pay a higher auto insurance premium than a middle-aged man driving around a Volkswagen.Do you need insurance?Unless you have an endless supply of cash falling out or an oak tree in your backyard, yes, you need insurance. Let’s say you have a prescription for some ailment that needs to be picked up from the pharmacy. Prices for medication can be in the thousands without insurance. This is assuming you have the money to pay for labs and doctors’ visits on your own in the first place.There is one aspect of your life that requires insurance. Driving a car. Technically you could purchase a vehicle without insurance, but you couldn’t remove it from the lot. But assuming you’d like to move the vehicle around town for your personal transportation with you behind the wheel, insurance is required to do so.The PointInsurance is actually a means of saving you money. Yes, you pay a premium, but the potential cost of paying out-of-pocket for situations you had no control over and didn’t see coming is just unwise and not worth it. Spend a little money and live life knowing you are secured and won’t be financially cut down because of prescription-grade Tylenol. 22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Derek San Filippo Derek is a freelance writer who spends his off time either working with his rescue animals or writing children’s books. He lives in San Diego with his beautiful wife … Web: www.financialfeed.com Details
Chinese state-owned pharmaceutical company Sinopharm has begun Phase III clinical trials of a COVID-19 vaccine in Abu Dhabi using up to 15,000 volunteers, the government in the capital of the United Arab Emirates said on Thursday.The human trial is a partnership between Sinopharm’s China National Biotec Group (CNBG), Abu Dhabi-based artificial intelligence and cloud computing company Group 42 (G42) and the Abu Dhabi Department of Health.The study, which began on Wednesday, is the world’s first Phase III trial of an inactivated vaccine, G42 Healthcare CEO Ashish Koshy said. Inactivated vaccines are well known and have been used against diseases such as influenza and measles. No COVID-19 vaccine has yet been approved for commercial use. According to a WHO summary of the state of vaccine development for COVID-19, there are 23 potential vaccines in human trials, with three of them in or starting large-scale late stage, or Phase III, trials to test efficacy.The trial will test two vaccine strains and a placebo. Two doses three weeks apart will be administered and volunteers followed for a year, said Nawal Alkaabi, head of the UAE’s COVID-19 Clinical Management Committee.Around 15,000 volunteers over three to six months will be recruited, initially in Abu Dhabi. They will be 18 to 60 years of age with no serious underlying medical issues and without previous COVID-19 infection, Alkaabi said.Sinopharm chose the United Arab Emirates because around 200 different nationalities reside there and it has a focus on medical research and fighting the pandemic, Koshy said. Topics : The UAE says it has conducted more than 4 million coronavirus infection tests on a population of around 9.6 million. It has recorded almost 56,000 cases of infection and 335 deaths.Sinopharm secured approval for the trial in late June. The experimental vaccine passed Phases I and II of clinical trials with 100% of volunteers generating antibodies after two doses in 28 days, an Abu Dhabi government statement said.China has been looking overseas to trial potential vaccines because of a lack of new patients at home. China’s Sinovac Biotech is conducting Phase III trials of a vaccine in Brazil.Sinopharm and G42 would not have access to patient data in the trial which would be conducted in Abu Dhabi state hospitals, G42 Healthcare research director Walid Zaher said, adding the UAE intended to manufacture any resulting successful vaccine.G42 is an Abu Dhabi-based artificial intelligence firm that has partnered with Chinese genomics company BGI to build a COVID-19 testing laboratory in the emirate and with Israeli contractors to develop technologies to help fight the disease.Koshy said the company was privately owned but declined to say by whom.Like other Gulf states the UAE has developed close ties with China, seeking capital and technology to diversify its economy away from hydrocarbon revenues. However, key ally the United States has warned Gulf states to proceed with caution and to consider their relationship with Washington.
The recruitment drive was aimed at “empowering Saudi women with high qualifications and capabilities”, the statement said.The two holy mosques previously recruited 41 women in leadership positions in 2018, according to Saudi media.Prince Mohammed has sought to boost employment for women as part of his “Vision 2030” plan, which is aimed at diversifying the kingdom’s economy and ending its addiction to oil.The number of working women in Saudi Arabia reached 1.03 million in the third quarter of 2019, 35 percent of the total workforce, compared to 816,000 in 2015, according to official figures. Saudi Arabia has appointed 10 women in senior roles at Islam’s two holiest sites, authorities said Sunday, as the conservative petro-state seeks to boost female employment.The appointment of women in senior positions at religious institutions is rare in the Islamic kingdom, which is in the midst of a wide-ranging liberalization drive spearheaded by Crown Prince Mohammed bin Salman.The women were appointed in the two holy mosques in Mecca and Medina across various departments, including administrative and technical, according to statement released by the general presidency for the affairs of the two holy mosques. In other reforms, women in the kingdom are now allowed to drive cars, cinemas have reopened and genders are permitted to mix at events, including concerts, and in public places.But the reforms have also been accompanied by a crackdown on dissent.Saudi Arabia has detained and put on trial a dozen women activists who long campaigned for the right to drive, sparking widespread condemnation.Some of the activists allege they were tortured and sexually harassed by interrogators.Topics :
La Administración Wolf lanza una Guía de recursos de salud mental SHARE Email Facebook Twitter Español, Press Release, Public Health Al comprender que la salud mental es tan importante como la salud física, la Administración Wolf lanzó hoy una Guía de recursos de salud mental en línea destinada a ofrecer a los residentes de Pennsylvania un complemento completo de recursos disponibles para ayudar a todos con sus necesidades de salud mental.“Especialmente con los factores estresantes de la pandemia, es imperativo que también recordemos que está bien no estar bien, y nuestra salud mental debe ser considerada tanto como nuestra salud física”, dijo el Gobernador Tom Wolf. “Esta guía en línea se presenta para brindarles a los residentes de Pennsylvania una visión completa de los recursos de salud mental disponibles para satisfacer sus necesidades individuales. No existe una talla única para la salud mental”.Entremezclados con mensajes de esperanza y aliento como “Sea fácil consigo mismo” y “Las personas se preocupan por usted”, hay secciones que incluyen cómo acceder al tratamiento; prevenir el suicidio; eventos actuales y salud mental; desafíos únicos para las comunidades de minorías y LGBTQ, niños y adolescentes, miembros del servicio y veteranos; qué hacer si no tiene seguro; afrontar el trauma, la violencia doméstica y sexual; y afrontar el trastorno por consumo de sustancias.Una sección proporciona “Encuentre la ayuda adecuada para usted”, donde los visitantes de la guía pueden acceder a recursos de salud mental para situaciones desde “Me siento estresado” hasta “Tengo un ser querido con trastorno por uso de sustancias”.“Esta guía tiene como objetivo ayudar a las personas a encontrar la ayuda adecuada para ellos”, dijo el Gobernador Wolf. “Espero que todos los residentes de Pennsylvania lo revisen y lo utilicen para saber que queremos brindar los recursos, el apoyo y la comprensión para ayudar a todos a vivir una vida feliz y saludable aquí en el Estado.View this information in English. August 19, 2020
Dawn at Vantage Gold CoastThey’ve dipped their toe in the water at Vantage and decided they love it but would like a larger apartment now that they have been made available in Dawn,” Mr Litfin said.“The other early buyers in Dawn are those who missed out on the three previous releases and have keenly awaited this next stage of Vantage.”Many of the apartments in the 15-level Dawn will capture spectacular views east across the neighbouring Royal Pines Resort to the Gold Coast skyline beyond. Other apartments in the development have views over the Vantage parkland setting, the Royal Pines golf course and the hinterland. Vantage Gold CoastMore from newsMould, age, not enough to stop 17 bidders fighting for this home3 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor3 hours agoDeveloper Rayjon brought forward the release following the sellout of the initial three buildings — Dusk, Eve and Scape — and the 100 per cent settlement of sales in Dusk and Eve.Dawn’s two-bedroom apartments will range in size from 119sq m to 145sq m asking $495,000 for 130sq m, while the three-bedroom residences will span between 183sq m and 221sq m, asking $945,000 for 183sq m.Each apartment will have large format tiled flooring in the living area, European appliances, ducted air conditioning and two car parking spaces, with three-bedroom apartments being offered with timber flooring.Dawn residents will also have exclusive access to a residents’ lounge on Level Two, and many will have their own storage area in the basement.Mr Litfin said the dominant buyer profile was downsizing owner-occupiers from across the Gold Coast. The next stage of Vantage Gold Coast, Dawn, has just launched to the market offering even more spacious apartments as part of its $200 million masterplanned community.THE first three releases were a sellout, so it’s no surprise that the fourth building in this $200 million masterplanned community is already being snapped up, and by existing residents. Vantage Gold Coast, a masterplanned parkland community at Benowa is offering 113 two and three-bedroom apartments in the east-facing Dawn building, with six already gone to early bird buyers.Knight Frank Queensland head of project marketing Chris Litfin said several existing Vantage residents had decided to purchase in Dawn to secure the larger apartment format. Vantage Gold Coast“They are attracted to Vantage’s spacious and thoughtfully designed apartments, the superb array of leisure facilities already in place and the convenient, central location at Benowa,” he said.Mr Litfin said Vantage’s ongoing sales success reflected recent Urbis research revealing the rise of coastal fringe suburbs such as Benowa as apartment hot spots on the Gold Coast.“These are areas that offer luxury apartment living within easy reach of the beach but at a more affordable price point,” he said.“We’ve experienced even more market traction since the completion of the neighbouring shopping centre, which includes a Coles supermarket, restaurants, cafes, specialty shops and services.”Vantage is set amid a two-hectare oasis featuring a swimming pool, gym, barbecue decks, resident lounge and intimate breakout areas.When complete, more than 70 per cent of Vantage’s Ross Street site will be dedicated to open space.
39 Parklane Terrace, Sovereign Islands 39 Parklane Terrace, Sovereign Islands“One afternoon we came and looked at it and we fell in love with it straight away,” Mrs Breust said. “We were quite taken by the view — the view from the home is quite special.”They were quick to buy the palatial property in 2011.More from news02:37International architect Desmond Brooks selling luxury beach villa18 hours ago02:37Gold Coast property: Sovereign Islands mega mansion hits market with $16m price tag2 days agoMr Breust said it was like living in a “five-star hotel” with its modern style, towering ceilings and wall of windows that frame picture perfect Broadwater views to South Stradbroke Island.“We get the dolphins come up every now and then,” Mr Breust said.“It’s a special place to be (because) it’s extremely relaxing and peaceful,” Mrs Breust said.The only part of the home they weren’t too fond of when they bought it was the kitchen.“The kitchen in the home wasn’t to our liking so we had that kitchen removed,” Mrs Breust said.They redesigned a new one with Enigma Interiors to create a more sleek and versatile version, which was named the Queensland and Australian Kitchen of the Year in 2013. 39 Parklane Terrace, Sovereign Islands 39 Parklane Terrace, Sovereign Islands 39 Parklane Terrace, Sovereign IslandsTHE breathtaking view from this luxury waterfront mansion on Sovereign Island was the selling point for Garnet and Valerie Breust.The couple had been searching for their dream home for eight months when they came across 39 Parklane Terrace. 39 Parklane Terrace, Sovereign Islands 39 Parklane Terrace, Sovereign Islands 39 Parklane Terrace, Sovereign Islands“We probably spent about eight months designing the kitchen,” Mr Breust said.“We were lucky because we had a lot of space to work with.” Along with the kitchen, there is also a large guest suite, media room and formal lounge room on the ground floor.Upstairs, there are four ensuited bedrooms and a family living area.Mrs Breust said the upstairs living area, known as the “parent’s retreat”, was her favourite part of the home to spend time in.“We’ve got five living areas in the house so it’s easy to disappear somewhere if you want to,” Mr Breust said.The home also has both a plunge and lap pools and a basement garage with wine cellar.Mr Breust said they were reluctant to sell the home but it was much too big for them now two of their three children had moved out.“We’ve been looking around for about 12 months — it’s very hard to find somewhere as good as Sovereign Island because everyone is really friendly and looks after each other,” he said. “We’ll definitely miss the home — it’s something you dream of having.” 39 Parklane Terrace, Sovereign Islands
Not all activism is the same, argues Julian Franks of the London Business School’s Centre for Economic Policy Research
105 Ryan St, West EndA WEST End riverfront home changed hands for a figure north of $3 million at an auction yesterday.It’s the first time a property in Ryan St’s waterfront pocket has sold since 2014. Crowds gathered to watch the auction at 100 Philip St, Hawthorne.Across the river at Hawthorne, another seven registered bidders got ready to raise their hands at an auction for 100 Philip St.Ray White chief auctioneer Mitch Peereboom said bidding started strong, quickly rising before stalling for negotiations.“It started quite strong with an opening bid of $1.3 million and the opening bidder was the eventual purchaser,” Mr Peereboom said.He said it was the large 810sq m block that lured bidders.The four-bedroom, three-bathroom character residence sold for $1,525,000.A two-bedroom cottage at 53 Rockbourne Tce, Paddington, also sold for $900,000.Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 9:24Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -9:24 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD288p288pAutoA, selectedAudio Tracken (Main), selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.Close Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenCoreLogic Brisbane Housing Market Update – August 201809:25 The house at 12 Bale St, Albion, sold for $866,000.Earlier in the day, minutes was all it took to sell an elevated Albion Queenslander.A crowd of almost 100 gathered to watch on as seven registered bidders battled it out for the keys to 12 Bale St.Ray White Ascot agent Nick Kouparitsas said the auction was over almost as soon as it had started, with an opening bid of $690,000.“Bidding went up in really fast in rises of $10,000 until it reached about $840,000,” Mr Kouparitsas said.“It sold within may three or four minutes, tops.”The three-bedroom home sold under the hammer for $866,000. One of the many living spaces at 105 Ryan St, West End.More than 70 people enjoyed breezes flowing through the tri-level architecturally designed 105 Ryan St home as the auction unfolded, with Ray White auctioneer Haesley Cush leading the way.Bidding was opened with no hesitation at $2.2 million, with that figure skyrocketing to $2.9 million within 60 seconds. More from newsParks and wildlife the new lust-haves post coronavirus17 hours agoNoosa’s best beachfront penthouse is about to hit the market17 hours agoThe home was architecturally designed.Ray White New Farm principal Matt Lancashire said there were four registered bidders, and the property went for a higher figure than most others in the area.“There hasn’t been a sale on the riverfront in this area for quite a substantial amount of time, and most of those have been in the $2 million dollar region, so to achieve a result over $3 million (means) we’re really happy,” he said.According to CoreLogic data, it is the highest sale in Ryan St this year. Ergh, yuck, who would want to wake up to this river view? (Hint: Me!)Mr Cush coaxed bidders to $3 million, when the auction was paused.After some lengthy to and fro between the vendors, bidders and agents, the property was sold under the hammer to a couple for $3,050,000.
“Denmark is a world champion in balancing large quantities of wind energy,” Hylleberg said. ”This is really gratifying, and we are approaching a milestone with fast paces, where wind turbines cover half our electricity consumption on average. I expect this to happen during 2020 or by 2021, when the next 600 MW offshore wind farm Krigers Flak is expected to be operational.” Danish wind turbines produced 16TWh of electricity in 2019, a 15% increase compared to 13.9TWh of electricity produced in 2018, and an 8.1% increase compared to the second-best result of 14.8TWh recorded in 2017. ”However, the 2020s will be the decade when we will really start to put the green power into use in our heating and transport, and not least for the production of green fuels such as hydrogen and ammonia.” This is a 3.5% increase in the share of wind energy in the mix compared to the country’s second-best result of 43.4% set in 2017. The price of the electricity generated by wind turbines fell by 12.7% compared to the previous year, Wind Denmark said. The increase in the wind energy share was attributed to the start of operations at the 407MW Horns Rev 3 offshore wind farm. “2019 looks like an average wind year, but Horns Rev 3 of 407 MW was connected to the grid, which is why we now see a big leap in the production of green power from wind turbines,” said Jan Hylleberg, CEO of Wind Denmark. Electricity produced by wind turbines covered 46.9% of consumption in Denmark in 2019, setting a new record for the country and for the world, according to Wind Denmark.
In a memorandum circular, the Department of the Interior and Local Government announced that President Rodrigo Duterte has an authoritative announcement regarding the full implementation of the Responsible Parenthood and Reproductive Health Law and the urgency of attaining zero unmet needs for modern family planning as part of the Philippine Health Agenda, and he recognizes FLEPOWPHIL Inc. as one of the strong partners of POPCOM in achieving the goals. (With a report from PIA/PN) BACOLOD City – The Federation of the League of Population Officers and Workers (FLEPOWPHIL) in Western Visayas elected its new officers as an organization supported by the Commission on Population (POPCOM). Also, Romila Dormido, CPO of Bago City, Negros Occidental was chosen as the secretary, Mary Ann Ramos, CPO of Iloilo City, was voted as treasurer, Guimaras PPO Beneth Gabasa was selected as Public Information Officer, while Passi City PPO Belcy Dumol, Negros Occidental PPO Dr. Edmund Calaor, La Carlota CPO Marissa Cagalawan and Capiz Provincial Health Office Marimi Tormon were named as board of directors. FLEPOWPHIL-Visayas Chapter elects its new set of officers. PHILIPPINE INFORMATION AGENCY The newly elected president said that his leadership will prioritize on uniting the members of the organization and the teamwork in carrying out procedures of laws and Executive Orders, in order to strengthen the program on population management towards productivity in the society, thus, improving the quality life of the Filipinos. Ernie Asoy of the Bacolod City Population Office (CPO) was voted as the President, Provincial Population Officer (PPO) Primo Ogatis was chosen as Vice President for Panay and Guimaras, and Kabankalan City Health Officer Dr. Fernando Fernandez was selected the as Vice President for Negros Occidental.