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Tuesday, November 20, 2018

What Is Insurance?

As we know one way of risk prevention is to insure a risk to the insurance company. This method is considered the most important method in tackling risk. Therefore many people think that risk management is the same as insurance. Although the actual circumstances are not so.

Insurance means the insurance transaction, which involves two parties, the insured and the insurer. Where the insurer guarantees the insured person, that he will be reimbursed for a loss which he may suffer, as a result of an event that would not necessarily occur or which could not be determined when or when it occurred. As the insured in the obligation to pay some money to the insurer, the amount of proportion of the sum insured, commonly called "premium".

Viewed from several angles, the insurance has a variety of goals and techniques of splitting, among others:

A. From an economic perspective, then:
The goal:
Reducing the uncertainty of the results of operations undertaken by a person or company in order to meet the needs or achieves goals.

Technique:
By transferring the risk to the other party and the other party combining a reasonable amount of risk, so it can be estimated with more precise the magnitude of the possibility of loss.

B. In terms of Law, then:
The goal:
Transferring the risks faced by an object or a business activity to another party.

Technique:
Through premium payments by the insured to the insurer in the indemnity contract (insurance policy), then the risk of transferring to the insurer.

C. In terms of Trade, then:
The goal:
Share the risks faced to all participants of the insurance program.

Technique:
Transferred risk from individuals / companies to financial institutions engaged in risk management (insurance companies), which will share the risk to all participants of the insurance it handles.

D. From a societal standpoint, then:
The goal:
Bear losses jointly among all participants of the insurance program.

Technique:
All group members (group members) of the insurance program contribute (in the form of promotions) to sympathize losses suffered by a / some of its members.

E. In terms of Mathematics, then:
The goal:
Predict the magnitude of the possibility of risk and the income of the forecast is used to divide the risk to all participants (group of participants) insurance program.

Technique:
Calculates the probability based on probability theory ("Probability Theory"), performed by the actuary as well as by the underwriter.




Nokia N95: An Ultimate Multimedia Computer

Wondering where to look for buying mobile phones? You do not need to worry; online mobile shops are the best option for you. Here you are constantly loaded with offers like free mobile phones, cash backs, free minutes, etc.

Nokia is coming up with a new range of mobile phones that combine high-tech features and style. The all-in-one multimedia computer, Nokia N95, has an innovative two-way slide concept and is equipped with outstanding multimedia features. The powerful 3D graphics, stunning user interface, fast speed data transfer, sophisticated multimedia capabilities, innovative imaging options, high speed internet access, are some of the features of N95. The powerful 3D graphics make it easy to find the services and features you want. The combination of features like built-in stereo speakers, mini USB and support for compatible microSD cards add more to the multimedia phone.

Play your favorite tracks and store them in the MP3 player, take high quality photos and video clips and still photos with the 5 megapixel camera and enhance your visual experience with the large color display. The handset lets you enjoy images and video clips on the larger screen of a compatible television set through the Universal Plug and Play (UPnP) technology.

The best part of the handset is its ability to provide fast and enjoyable internet access and download large files to your mobile phone. What's more !! You can even check your emails on the move that makes it a useful device for professional and business users.

The Nokia N95 can certainly replace the stand-alone gadgets like music players, PDA'S, and digital cameras. Combining all the essential functionalities needed today, this perfect gadget lets you access diverse fields of entertainment and business applications.
With all the wonderful features and excellent design, the Nokia N95 helps you stay connected. All in all, the N95 appears to pack the latest features that are a must have in today's mobile phones.




7 Reasons Why I Love My Netbook

Netbooks are awesome little devices and they come real handy when your work involves you moving around town. Even if you do not do that often, but want something that you can pass time with while waiting for the doctor or your order to arrive in a restaurant you'll still make good use of one. Here is my list of reasons I'd never get rid of my netbook for.

I just love my netbook and not because it was cheap, that was just a result of components used and fairly low overall performance. It allows me to do things I thought were not possible or did not even occur to me when I had a much bulkier Fujitsu Siemens pi3540. Just look it up, 7.4 pounds, imagine carrying that around.

1. It's small. It's not just small but tiny to the extent where it's not even viewed a full size computer anymore. It almost fits the pockets of one of my jeans, and it quickly disappears in the 15.6 "pouch I have in my backpack.

2. It works for a long-long time on a single charge. How comfortable is that? I just throw it on charger when I go to sleep, or in the morning if I forget it and it's fully charged when I'm heading to work.

3. Accessories are cheap. Everything it's missing by factory default can be had for peas. An external optical drive costs $ 40, a pendrive comes for $ 20 and I got a sleeve for $ 10 off Amazon. Everything is small everything is cheap.

4. It's put together. I do not have much personal experience with other models on the long run, but I can say with confidence that this Asus 1005HA is built for longevity. I do not throw it around or anything like that, but it's had about 2300 hours of use put into it and there is no sign of deterioration other than some wear on the keys.

5. Keys. They're awesome. I thought I'll have problems with typing because I have average male size hands. Good news, this is of no concern with this particular model, others I tried were not as promising but whatever works for you.

6. I can use it on public transportation. I know I already mentioned that it's small but think about it on a different level. Imagine a laptop that truly fits your lap without stretching over it anywhere. I do not think I could work using a full size notebook on a bus.

7. I know I said I do not love it because it's cheap. Actually I do. Can you get a better computer for portable use for $ 300 brand new? Probably a refurbished one, but I'm not completely sure about that.




RSpec Tutorial - How To Set Up Tests For Ruby / Rails Applications

Like many Ruby developers, the thought of having to test my code sent shivers down my spell. Not only did I have no idea about software testing (IE the regulations etc), but I've never used RSpec before.

Fortunately, when I did start using the system, things became much simpler.

RSpec is a testing framework for Ruby, and Rails. The system is extremely versatile, and meant to provide a simple framework for testing various features within applications or plugins.

The system works as intuitively as possible - meaning that each "test" is meant to deliver an expected result - allowing the developer to create an effective overview of the various pieces of functionality of a system, as well as giving the ability to extend the scope as required.

I will explain how it works in this post ...

What Is RSpec?

RSpec is a freely open source "gem" for Ruby, maintained by the core Ruby group.

The gem is available on Github, along with a number of others - most notably the "rspec-rails" gem (which was specifically designed for Rails).

The gem basically provides developers with a "framework" which can be called via the "rspec" command. This allows for integration with CI suites such as TravisCI and CoverAlls.

The point of having the likes of RSpec is to facilitate the creation of "unit tests" and "integration tests" - both of which are being a staple of the traditional software development pipeline.

Having the ability to thoroughly, and extensively, test a Ruby application - with a framework which is ubiquitous and extensible as the language itself - is one of the reasons why the Ruby ecosystem is held in such high regard.

For the first time, without the need of expensive software or large IDE integration - teams of developers can create software that works across platforms and technology-sets.

Thus, when considering developing in Ruby, the undering value of RSpec can not be overstated.

How It Works

RSpec has to be initialized within a plugin / application.

It typically lives in the "spec" directory - but this can also be "test".

To initialize RSpec - like most things in Ruby, it's best to follow the guidelines of what's already been developed - by using the "rspec --init" CLI command.

Initializing the framework populates the / spec folder with a "spec_helper.rb" file and populates it with a base amount of configuration options.

The "spec_helper.rb" file sits at the core of all RSpec functionality, and is thus extremely important.

Within the file, all of the configuration settings for an application are stored. This is where you are meant to include the various files required to get the test suite integrated into your script / application.

If you're able to run the "rspec --init" command (after adding "rspec" to your script's Gemfile), you'll be set to start the next step.

Setting It Up

After getting the "spec helper" set up, the next step is to get the various elements of the integration suite called.

This is a certain manual process, and - particularly if using Rails - can involve some steps outside the "traditional" rulebook.

The most important step in this case is to get a "dummy" Rails app set up.

I will not go into too much detail, but it's required if you're creating a rails gem (for example), and not something that can be done directly through rspec itself.

To do this, you need to basically create a fake "engine" from which you're able to extract the dummy Rails app:

  cd some_path_where_your_engine_IS_NOT 

rails plugin new YOUR_ENGINE_NAME --mountable --dummy-path = spec / dummy --skip-test-unit

  mv YOUR_ENGINE_NAME / spec / dummy / real / path / to / YOUR_ENGINE_NAME / spec 

rm -rf YOUR_ENGINE_NAME

This creates a / spec folder with a dummy Rails app, spec_helper.rb and another file which is not important.

Doing the above ensures that RSpec is set up correctly for Rails.

Again, without having the details on your specific application - if you need further information, you're welcome to email me (email in profile).

Performing Tests

Once you've got rspec set up, you need to sort out the tests.

This is a reliably simple process - it just takes some time to figure out the various methods through which you're able to ascertain particular results.

The most important thing to state is that there are a number of different types of test:

  • Routing tests
  • Controller tests
  • Model tests
  • Feature tests
  • View tests
  • Mailer tests
There are two ways to make sure these work - either by creating folders within your main / spec folder (/ spec / models or / spec / features etc) OR to simply use the "type :: feature" option when declaring tests.

The way this works becomes clearer when you consider how tests actually work.

Every "test" in RSpec needs to be wrapped in a "describe" block. Each file needs to pull from the RSpec class proper (RSpec.describe ___), but all the others can just be "describe":

# spec / models / model_spec.rb

RSpec.describe Model do

describe "has email method" do

it {___}

end

end

The way you create your tests is with the "it" method - used to describe (as verbosely as possible) what each feature is meant to do.

Within the "it" block, you're able to use a number of different methods, ranging from "expect" to "should" - to provide the system with the ability to determine the particular results required from the script / application.

From here, you're able to then create in-context placeholders, using such methods as "let" to provide context for each test.

Whilst I could write more tests, the bottom line is that this should give you a strong overview as to what's required to get it all working. After this, you just need to be able to write as many tests as required.




How To Start A Low Cost Window Blind Retail Business

A window blind retail business can be set up at a reliably low cost. This business involves visiting prospective customers in their homes, measuring their windows and helping them choose fabrics from your range of samples. When you take an order you simply send it in to a blind manufacturer who offers a trade supply service. They will make up the blinds to your specification and send them to you. You then return to your customer to fit the blinds and collect payment. There is no stock to hold as you are supplying bespoke products, custom manufactured to your customer's requirements so you only purchase stock when you have an order.

You should also expect to collect deposits from customers which means that you should cover your purchase costs before placing your orders, giving you a very good cash-flow situation. To start this business you will need a range of samples to show people. These can be purchased from a trade manufacturer. You could actually 'beg' a few free samples, however it's much better to have professionally produced swatches at least rather than scrappy bits of fabric. A set of samples can cost up to £ 200 however there are options available where you can get a starter set for around £ 50 and trade up later as your business gets established.

You will also need a few tools for fitting, a good drill, a hammer, screwdrivers and a small stepladder are essential pieces of equipment. Another thing to consider is how to promote your new business. Local newspaper advertising works well however this will add to your start-up costs. You could also print leaflets and deliver these yourself as a low cost alternative to get you started. Fitting most blinds is a simple task and can be done by anyone with a basic knowledge of DIY, if you choose your trade supplier carefully they should be able to offer you any advice and guidance you need on the fitting. Generally the window blind retail trade operates on a gross profit margin of about 40% - ie you double your VAT exclusive trade buying price. With the correct approach and marketing you could expect turnover of £ 100000 plus a year.




Choosing a State-Of-The-Art Portable Computer for Your Wife, Sweetheart or Offspring

It could often be unnerving to even know where to get under way when taking into account purchasing a state-of-the-art laptop, suddenheless with our clear handbook you will be loaded with the education you require to make an informed decision. From netbooks to notebooks to laptops, we will illustrate what all the available variations are and what you will need for your own personalized requirements.

First up, I think what we really want to tackle is what precisely is the difference between notebooks, netbooks and laptops. Lets stay with netbooks and notebooks, these are what i like to call "mini laptops" for when related to the benchmark laptop many things about them is minimized. From the real tangible size of the computer down to the scientific particulars and computational power is less than such of them're larger brothers. Many a time, such netbooks are thought of as very much entry-level laptops, aimed more so at children or those who need extreme mobility without the power and specifications of an actual laptop. So if you're browsing to get your child involved in their initial laptop a netbook may be the perfect way to start.

At the heart of each laptop lays its Central Processing Unit (CPU) which is essentially the intelligence of the laptop and offers all of the ability. These days the CPU is divided into a number of different cores which manages the processing of information and information separately of each other and it's advocated that you pick a model with at least 2 or more cores. Thankfully suddenless some present-day laptops will come with at least 2 cores and many a time have 4 or more cores ensuring the utmost possible computation capacity.

Working near the CPU is the memory of your laptop, which is used to store data and information while the CPU works on other things. Here we would strongly advise at least 2GB of memory, be that as it may this very much depends on your overall needs from the laptop. For instance if it's usually to be used to look through the internet and type out essays etc then you may often get away with a lower size of memory. although if you're looking to render high detail video or play the latest computer games then you really should be wanting for around 4GB of memory to ensure your laptop all the power it demands to take care of these complex tasks.

Another vital item you should consider is the storage space offered, frequently from your hard disk drive and it's here we've advised the very least you need is 250GB of storage which will give you plenty of room for all your photos, music and videos. Again, if you're looking to process video or play the latest games then you should keep in mind a greater disk drive, somewhere around the 500GB mark should be plenty for your needs.

The final consideration to make is that of your laptops screen size, after all this is mostly going to be settled by your decision of netbook or actual laptop, with the major concern being either your screen is wide-screen or not. Although increasingly so some laptops will come with a wide-screen display and it's quickly becoming the norm in laptop construction.




Is It Always Love at First Sight When You Have a Baby?

Finding out that you're going to have a baby is an exciting feeling especially if you've been trying so hard and for so long. You have a wide array of emotions that fills you with everything from joy to anxiety. These are all natural emotions because your hormones are going to have a field day with your body over the next nine months.

You will feel the baby grow inside you. Each month you will discover something new and encounter a new milestone. The biggest stone at first is when you feel your baby move for the first time. At first it will feel like little flutters or bubbles in your belly. Then you will feel solid movements in the form of bumps against the wall of your uterus. The baby is moving his or her arms and legs.

You will find out whether you are having a boy or a girl. This will fill you with excitement and you'll have so many ideas as to what the baby room will look like, what the name will be, and what kind of person they will grow up to be. Life is exciting and new. You and your partner are looking forward to the arrival of the baby.

Then the day arrives when the baby is born. The newborn is handed to you. Crying with all their might, the doctor hands him or her to you for a quick peak before they clean them up. You're not sure what to feel. Many women do feel love at first sight and are overjoyed with seeing their little one. But there are many other women who do not get this feeling at first sight and that's okay. They see their little one for the first time and, for some odd reason, they are underwhelmed. After the long wait and the fertility treatments , you thought you'd feel differently. After the baby is cleaned and dressed, the nurses bring him or her to you. You may feel a wild rush of emotions and you just want to cuddle and hold this little human that came out of you. If you do not feel this, do not worry about it. Not every woman feels that love at first sight emotion. You know there is a connection but it's not of undying love.

Over the next few days, the love will grow. And if you are breastfeeding, this emotion will grow stronger because of the amount hormones flowing through your body. An unconditional love for your little one will grow. It will be so strong that nothing can break it.




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