tag:blogger.com,1999:blog-91038201430897117282024-03-05T07:17:07.955-08:00seputar Informasiblog cewekhttp://www.blogger.com/profile/05811660665022401071noreply@blogger.comBlogger3125tag:blogger.com,1999:blog-9103820143089711728.post-60880595400475092652011-09-08T08:00:00.001-07:002011-12-31T07:20:23.852-08:00Liability insuranceLiability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.<br />
The subprime mortgage crisis was the source of many liability insurance losses<br />
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* Public liability insurance covers a business or organization against claims should its operations injure a member of the public or damage their property in some way.<br />
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* Directors and officers liability insurance (D&O) protects an organization (usually a corporation) from costs associated with litigation resulting from errors made by directors and officers for which they are liable.<br />
* Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.<br />
* Errors and omissions insurance is business liability insurance for professionals such as insurance agents, real estate agents and brokers, architects, third-party administrators (TPAs) and other business professionals.<br />
* Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.<br />
* Professional liability insurance, also called professional indemnity insurance (PI), protects insured professionals such as architectural corporations and medical practitioners against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called medical malpractice insurance.blog cewekhttp://www.blogger.com/profile/05811660665022401071noreply@blogger.com0tag:blogger.com,1999:blog-9103820143089711728.post-89504985444992411532011-07-28T01:28:00.000-07:002011-07-28T01:29:34.786-07:00Life Insurance<div class="separator" style="clear: both; text-align: justify;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh00afExpucYR-9guhX9KZFAFuHA9x0onF10bUv5b2aKz9zl42-iCjDfi6-G9B_NQhJTK3kzzmPqWXCgdc5Ddl2ZwkN3l3PiNJF1Ko5OMTgqz3A28rp1GrAsJojPcxShkAQsWsTiRd-OAuS/s1600/hotel2.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh00afExpucYR-9guhX9KZFAFuHA9x0onF10bUv5b2aKz9zl42-iCjDfi6-G9B_NQhJTK3kzzmPqWXCgdc5Ddl2ZwkN3l3PiNJF1Ko5OMTgqz3A28rp1GrAsJojPcxShkAQsWsTiRd-OAuS/s640/hotel2.jpg" width="233" /></a></div><div style="text-align: justify;">Life insurance is a contract between the insured and the insurer, the insurer agrees to pay a specific recipient an amount of money ("profit") after the death of the insured person. Depending on the contract, other events such as terminal illness or serious illness may also trigger payment. In return, the insured agrees to a fixed amount (the "premium") paid at regular intervals or in lump sums. In some countries, such as funerals, death expenses included in the premium, but in the United States, the predominant form is a fixed amount of the insured's death will be paid.<br />
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The value for the policy owner is the "rest" in the knowledge that the death of the insured person does not translate into financial difficulties.<br />
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Life insurance is legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often in the contract to limit the liability of the insurer; Typical examples are claims relating to suicide, fraud, wars, riots and civil unrest.<br />
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Contracts of life tend to fall into two broad categories:<br />
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* Protection policies - designed to offer a service to a specific event, usually the payment of a lump sum payment. A common form of this design is term insurance.<br />
* Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. The most common (in the U.S.) are whole life, universal life and variable life insurance.<br />
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There is a difference between the insured and the policy owner (policy holder), although the owner and the insured are often the same person. For example, if Joe buys a policy for your own life, he is the owner and the insured. But if Jane, his wife, Joe buys a life policy, which is the owner and the insured. The policy owner is the guarantee and he or she is the person who will pay for the policy. The insured is a participant in the contract, but not necessarily a party. But "insurable interest" is necessary, an independent party of the restriction of life insurance policies, for example, Jane or Joe. In addition, most companies allow the debtor and the owner to be different, for example, a parent pays a large bonus for a one-child policy, a grandson [or vice versa].<br />
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The beneficiary receives the policy death of the insured. The owner designates the beneficiary, but the recipient is not a political party. The owner, beneficiary, unless the policy has an irrevocable beneficiary designation. With an irrevocable beneficiary, the beneficiaries according to changes of beneficiaries on homework, or borrowing of cash value.<br />
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In cases where the policy owner is not insured (also known as qui vit celui or CVI), the insurance company tries to limit policy purchases to those who have an "insurable interest" in the CVI. Life insurance, are close relatives and business partners in general, an insurable interest. The "insurable interest" requirement usually demonstrates that the buyer actually suffer any loss if the CVI dies. This requirement prevents individuals for the purchase of purely speculative policies on people waiting to die. Without the requirement of insurable interest may reduce the risk that a buyer CVI murder of insurance benefits to be great. At least in one case, an insurance company that sells a policy to a buyer without an insurable interest (who later murdered the CVI is the product) is responsible for contributing to the death of the victim (Liberty National Life v in court. Weldon, 267 Ala.171 (1957)).</div>blog cewekhttp://www.blogger.com/profile/05811660665022401071noreply@blogger.com0tag:blogger.com,1999:blog-9103820143089711728.post-89850301799736093582011-07-13T18:46:00.001-07:002011-07-13T18:56:10.402-07:00A hotel is an institution which provides short-term accommodation. The provision of basic housing, in recent times, which was only one room with a bed, a wardrobe, small table and a sink has been replaced by rooms with modern amenities like private bathrooms and air conditioning or climate control. Additional features that are common in hotel rooms a telephone, alarm clock, TV, safe, mini-bar with snacks and drinks, and tea and coffee. Luxury features, bathrobes and slippers, pillows, double sink vanities and Jacuzzi tub. The larger hotels offer guests additional services, such as a restaurant, pool, fitness room, business center, child care, conference and social function.<br />
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The rooms are numbered in the rule (or the name in some small hotels and B & B) to allow customers to identify your room.<br />
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Some hotels offer meals as part of an agreement for board and lodging. In the United Kingdom a hotel is required by law to serve food and drinks for all customers within certain specified periods. In Japan, capsule hotels provide a minimum of space in the room and shared bathroom.<br />
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The Hotel The word derives from the French hôtel (from hôte meaning host), to see a French version of a house or building frequent visitor, but as a place offering accommodation involved. In contemporary French usage, Hotel now has the same meaning as the English term, and hôtel particulier is for the old meaning. The French spelling, with the circumflex, was also used in English, but is now rare. The circumflex replaces the 's' in front of the hostel spelling, that over time has a new meaning, but closely linked. Grammatically, the hotels of the definite article - thus: "Hotel Astoria" or simply "The Astoria".<br />
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The operations of the hotel vary in size, function and cost. Most major hotels and hospitality businesses have recognized the hotel standards in the industry in general, to classify the types of hotel set. The major categories are as follows;<br />
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* Grand Luxe<br />
o Examples include Conrad Hotels, the Ritz-Carlton, Four Seasons Hotels and Resorts JW Marriott Hotels and<br />
* Full Service<br />
or examples are Hilton, Marriott, Hilton and Hyatt<br />
* Select the service<br />
or examples are Courtyard by Marriott and Hilton Garden Inn<br />
* Limited Service<br />
or examples are Hampton Inn, Fairfield Inn, Days Inn and La Quinta Inns & Suites<br />
* Extended Stay<br />
or examples are Embassy Suites by Hilton, Residence Inn by Marriott and Holiday Inn hotels<br />
* Timeshare<br />
or examples of this are Marriott Vacation Club International, Westgate Resorts and Disney Vacation Club<br />
* Destination Club<br />
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[Edit] Management<br />
Main article: Property Management<br />
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Manager of a hotel operation is regarded as an important business. The larger hotels can operate as a large enterprise consisting of a broad management structure from a manager to the Chief Executive, Director overseeing several departments, middle managers, administrative staff and line-level supervisors serves. Prepare courses like hotel management degree, a degree in business administration and / or certification programs for managers in the hospitality industry practice.<br />
[Edit] Historic hotels<br />
Hotel Astoria and a statue of Tsar Nicholas I of Russia at the front, in St. Petersburg, Russia<br />
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Some hotels have gained their fame by tradition, the celebration of important events or people, as Cecilienhof Palace in Potsdam, Germany, which derives its fame from the Potsdam Conference of World War II allies Winston Churchill, Harry Truman and Josef Stalin in 1945. The Taj Mahal Palace & Tower in Mumbai is one of the most famous and historic hotels in India because of its connection with the independence movement in India. Some establishments have given name to a particular food or drinks, such as the Waldorf Astoria in New York, USA, where he was the first Waldorf salad or the Hotel Sacher in Vienna, Austria, home of the Sacher torte. Others have achieved fame by association with the dishes and cocktails created in its facilities, such as the Hotel de Paris where the crêpe Suzette was invented or the Raffles Hotel in Singapore, where he invented the Singapore Sling cocktail.<br />
Hotel Ritz in Paris, France<br />
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A number of hotels have entered the public consciousness through popular culture, such as the Ritz Hotel in London, United Kingdom, through its partnership with the Irving Berlin song "Puttin 'on the' Ritz. The Algonquin Hotel in New York known as a meeting place of literary group, the Algonquin Round Table and Hotel Chelsea, also in New York known, has undergone a series of songs and the scene of the stabbing of Nancy Spungen (allegedly by her boyfriend Sid Vicious). Statler Waldorf Astoria Hotel in New York are also perpetuated in the name of the Muppets Statler and Waldorf. [edit]<br />
[Edit] Unusual hotels<br />
Chicago Magnificent Mile has many high-rise hotels like the Allerton Hotel hosted<br />
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Many hotels can be considered targets for themselves, by virtue of the peculiarities of the presentation or its immediate surroundings:<br />
[Edit] Hotels Cabaña<br />
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Some hotels are equipped with living trees as structural elements, such as the Costa Rica Chamber of trees in the Wildlife Refuge Gandoca-Manzanillo, Costa Rica, the Treetops Hotel in Aberdare National Park, Kenya, Ariau Towers built near Manaus, Brazil in Black River in the Amazon, and Bayram's Tree Houses in Olympos, Turkey.<br />
[Edit] Hotels straw bales<br />
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Begin in the small village of Nax Mont-Noble, at 1300 meters in the Swiss Alps, the construction of Guest House Maya in 2011. Be the first hotel built entirely with straw bales. They need no heating because the values of insulation in the walls [1].<br />
[Edit] Bunker Hotels<br />
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Zero Star Hotel Teufen, Appenzell, Switzerland and Albania concrete mushrooms [2] are converted former nuclear shelter in hotels.<br />
[Edit] Hotels shoes<br />
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Hotels shoes are built hotels in a huge shoe. The idea was inspired by the "old woman who lived in a shoe," mythos. The largest hotel and is currently in Hokkaido, Japan. The most popular hotels are the model of shoes ladies shoes dance platform. [Citation needed]<br />
[Edit] Cave Hotel<br />
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Las Cuevas Pedro Antonio de Alarcón (named after the author) in Guadix, Spain, and several hotels in Cappadocia, Turkey, by into natural cave formations, partly built with underground parking. Desert Cave Hotel in Coober Pedy, South Australia is built on the ruins of an opal mine.<br />
[Edit] Capsule hotels<br />
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Capsule hotels are a type of budget hotel is located in Japan, where people are located on stacks of containers rectangular sleeping.<br />
[Edit] The ice and snow, hotels<br />
Main article: Ice hotel<br />
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The Ice Hotel in Jukkasjarvi, Sweden, and the Hotel de Glace in Duschenay, Canada, melt every spring and rebuilt each winter, the Mammut Snow Hotel in Finland in the Kemi snow castle walls, and hotel Lainio snow from the snow village near Ylläs, Finland.<br />
[Edit] Garden Hotel<br />
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Garden hotels, famous for its gardens, before they became hotels, includes Gravetye Manor, home of garden designer William Robinson and Cliveden by Charles Barry with a rose garden designed by Geoffrey Jellicoe.<br />
[Edit] Underwater hotels<br />
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Some hotels have underwater housings Sweden as absolute hotels in Lake Mälaren. Hydropolis, canceled the project in 2004 in Dubai, would be bottom of the suites in the Persian Gulf, and Jules Undersea Lodge in Key Largo have dive Florida requires access to their rooms.<br />
[Edit] Other unusual hotels<br />
RMS Queen Mary in Long Beach, California, USA<br />
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* The Library Hotel in New York, is unique in that each of its ten floors are a category of the Dewey Decimal Classification assigned.<br />
* The Burj al-Arab hotel in Dubai, United Arab Emirates, built on an artificial island, is structured in the form of a sail.<br />
* The Löwengraben Jailhotel in Lucerne, Switzerland is a converted prison now used as a hotel.<br />
* The Luxor, a hotel and casino in Las Vegas Strip in Paradise, Nevada, United States, because of its pyramidal structure.<br />
* The Liberty Hotel in Boston used to be the Charles Street Jail.<br />
* Built in Scotland and was completed in 1936, uses the former ocean liner RMS Queen Mary in Long Beach, California, USA the first class cabins, as a hotel, after retiring in 1967 from the transatlantic service.<br />
* There are several hotels in the world built on converted passenger.<br />
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[Edit] Resort<br />
Principe di Piemonte, Viareggio (Italy)<br />
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Some hotels are built specific to a captive business, how to create in casinos and resorts. Although of course the hotels always been popular in Desinations built, the defining characteristic of a hotel is that it only exists to serve another attraction, they both have the same owner.<br />
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In Las Vegas there is a tradition of rivalry with extravagant luxury hotels, and concentrated in an area known as the Las Vegas Strip. This trend has spread to resorts worldwide, but the concentration in Las Vegas is still the highest in the world. Nineteen's 25 largest hotels in the world by number of rooms are on the edge, with a total of more than 67,000 rooms [3]<br />
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In Europe, Center Parcs as a chain of resort hotels because the sites caused largely by humans (albeit in a natural environment such as parks), in the captivity of trade, while summer camps like Butlins and Pontins are probably not as resort hotels terms of how they have looked at traditional tourist destinations, which gave it out to the fields.<br />
[Edit] Railway hotels<br />
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Often built the extension of the railway companies large hotels at the ends, like the Midland Hotel in Manchester near the old one station in Manchester and London St Pancras to the station and Charing Cross in London and the top hotel Chiltern Court Baker Street Underground Canada railway station and large hotels. Who are or were mostly but not exclusively, for those arriving by train.<br />
[Edit] Motels<br />
Main article: Motel<br />
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A motel (motor hotel) is a hotel that is for a short stay, usually for one night for drivers on long journeys. It has direct access from the room to the vehicle (for example, a central park, around which the buildings are set) and is very close to major roads and intersections.<br />
[Edit] World Record Hotels<br />
Historic Hotel Savoy in Florence<br />
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In 2006, Guinness World Records, First World Hotel Genting Highlands, Malaysia as the world's largest listed hotel, with a total of 6118 rooms. [4] Similarly, the Venetian Palazzo Resort in Las Vegas, the largest number of rooms. It has 7117 rooms, followed by MGM Grand Hotel, with 6852 rooms.<br />
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see also the list of the largest hotels in the world<br />
[Edit] Earliest<br />
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According to the Guinness Book of World Records is the oldest hotel still in operation, the Hoshi Ryokan, in Awazu Onsen area of Komatsu, Japan which opened at 718 [5].<br />
[Edit] later<br />
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Rose Tower in UAE is the tallest building used exclusively as a hotel. [6] First, the tower would be 380 m (1250 ft) high, but the design modification is to be 333 m (1,093 ft) is reduced.<br />
[Edit] Hotel rooms as an investment<br />
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Some hotels sell individual rooms to investors. Timeshare is an example of this kind of investment. The buyer is entitled to the room without charge or at a reduced price for a certain number of days stay per year. The investor is paid a percentage of the proceeds from the room. The rooms can be sold on a lease, sometimes in a lease of 999 years. Room owners are free to sell at any time [7].<br />
[Edit] Living in hotels<br />
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A number of public figures have chosen mainly to take up residence permanently or semi-permanent hotels.<br />
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* Actor Richard Harris lived at the Savoy Hotel while in London. Hotel archivist Susan Scott recounts an anecdote that when he picked up from the building on a stretcher shortly before his death, raised his hand and said to the guests: "It was the food." [8]<br />
* Inventor Nikola Tesla lived the last 10 years of his life at the Hotel New Yorker until 1943, when he died in his hotel room.<br />
* Millionaire Howard Hughes spent his last years in a hotel in Las Vegas.<br />
* Egyptian actor Ahmad Zaki lived his last 15 at the Ramses Hilton Hotel - Cairo.<br />
* Larry Fine (Three Stooges) and his family lived in hotels, because of their extravagant spending habits and not as his wife for cleaning. He first lived at the Presidente Hotel in Atlantic City, New Jersey, where his daughter Phyllis was raised, then the Knickerbocker Hotel in Hollywood. It was not until I buy a house in the 1940 Larry in the Los Feliz area of Los Angeles, California.<br />
* General Douglas MacArthur lived his last 14 years in the attic of the Waldorf Towers, a part of the Waldorf-Astoria Hotel.<br />
* American actress Elaine Stritch lived at the Savoy Hotel in London for over a decade [9].<br />
* Fashion designer Coco Chanel lived at the Hotel Ritz in Paris and abroad for over 30 years.<br />
* Vladimir Nabokov and his wife, Vera, lived in the Montreux Palace Hotel in Montreux, Switzerland from 1961 until his death in 1977.<br />
* The British businessman Jack Lyons lived at the Hotel Mirador Kempinski in Switzerland for several years until his death in 2008.<br />
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[Edit] Hotels fictitious<br />
Wiki letter w cropped.svg This section requires expansion.<br />
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Hotels have been the settings for TV shows such as the Torres situation Fawlty British comedies used, and I'm Alan Partridge, the British soap opera Crossroads, and films like the Bates Motel in Psycho Hitchcock film of 1960 and the Hotel Dolphin in 1408, a short story by Stephen King, which was filmed in a 2007th<br />
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Another reason the Tipton Hotel, a fictional Disney "The Suite Life of Zack and Cody" is. When the show later, a spin-off 'The Suite Life on Deck ", the SS Tipton Tipton developed out of the same company.blog cewekhttp://www.blogger.com/profile/05811660665022401071noreply@blogger.com0