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, uncertain loss. An insurer, or insurance carrier (often called an "insurance company), is sells the insurance policy to customers. The customers, who are called the insured or policyholder, are the person or entity (which may be a private company or other organization) buying the insurance policy. The amount of money to the customer pays for a certain amount of insurance coverage is called the "premium". Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.

The transaction involves the insured making a payment to the insurer in exchange for the insurer's promise to compensate (indemnity) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated. In the event that the insured experiences a financial or personal loss which is covered by the insurance policy, the insured makes an insurance claim to the insurer. Insurance company claims adjusters and other insurance company employees assess the claim. Insurance policies typically set out certain circumstances or actions which will void the insurance policy; if the insurance policy is voided, then the insurer may not have to pay out the claim.

Ethiopian Insurance F.C.

Insurance (aka Medhin) is an Ethiopian football club, in the city of Addis Abeba. They play in the Ethiopian Premier League, the top level of professional football in Ethiopia.

Performance in CAF competitions

Insurance (constituency)

The Insurance functional constituency is a functional constituency in the elections for the Legislative Council of Hong Kong first created in 1998. The constituency is restricted to only 144 insurers.

A similar Financing, Insurance, Real Estate and Business Services functional constituency was created for the 1995 election by Governor Chris Patten with a much larger electorate base of total 171,534 eligible voters.

Return Members

Electoral Results

Instant-runoff voting system is used.

References

Tourism

Tourism is travel for pleasure; also the theory and practice of touring, the business of attracting, accommodating, and entertaining tourists, and the business of operating tours. Tourism may be international, or within the traveler's country. The World Tourism Organization defines tourism more generally, in terms which go "beyond the common perception of tourism as being limited to holiday activity only ", as people "traveling to and staying in places outside their usual environment for not more than one consecutive year for leisure, business and other purposes".

Tourism can be domestic or international, and international tourism has both incoming and outgoing implications on a country's balance of payments. Today, tourism is a major source of income for many countries, and affects the economy of both the source and host countries, in some cases being of vital importance.

Tourism suffered as a result of a strong economic slowdown of the late-2000s recession, between the second half of 2008 and the end of 2009, and the outbreak of the H1N1 influenza virus, but slowly recovered. International tourism receipts (the travel item in the balance of payments) grew to US$1.03 trillion (€740 billion) in 2011, corresponding to an increase in real terms of 3.8% from 2010. International tourist arrivals surpassed the milestone of 1 billion tourists globally for the first time in 2012, the same year in which China became the largest spender in international tourism globally with US$102 billion, surpassing Germany and United States. China and emerging markets such as Russia and Brazil had significantly increased their spending over the previous decade.

Tourist (musician)

William Phillips (born February 12, 1987), also known by his stage name Tourist, is an electronic musician and songwriter. In 2015 he won the Grammy Award for Song of the Year for co-writing "Stay with Me", along with James Napier and Sam Smith, the latter also the song's performer.

Discography

Albums

Extended plays

Singles

References

Tourist (song)

"Tourist" is the title song for British rock band Athlete's second album, Tourist. It was released 15 August 2005 as the third single from that album (see 2005 in British music). The song charted at #43 on the UK singles chart.The song's Background Music was featured on a commercial with Gilbert Arenas Supporting his shoe line.

Track listing

External links