Tuesday, 30 April 2013

Pics of tattoos

This is a new style to express our art to every one, Just think a bit creative,take some colors and drew what ever you want ,tattoo show us the art and feelings,here is some pics of tattoos,
this is what the art is, this is cool way and also very creative,somehow these pics of tattoos are very rare and awesome.i got these from my collection for visitors of my site,the body art is also a good way to show the creativity,in our daily life you dont bother the art,but some creative people made it the profession,and they are ding it professionally,
our body shows our soul and we can express it by the way of tattoos
there are billions of people in this world who love to draw tattoos,they just love the pain and color on their body, I'll update some other pics of tattoos further, i just wanna say that body painting is also comes in the meanings of art and tattoos

California Auto Accidents attorneys

If you were injured in a California auto accident that was someone else's fault, you may be entitled to compensation to pay for:
Past, present, and future medical bills for treatment related to your California auto-accident injuries
The repair or replacement of your motor vehicle and any property damaged or destroyed in the traffic accident
Lost wages for time off from work (including time spent going to doctor's appointments and physical therapy)
The cost of hiring someone to do household chores you're unable to do because of your injury
Permanent disability and disfigurement stemming from the California car crash
Emotional distress stemming from the California auto accident
Any other costs you've incurred because of the car accident

If anyone was killed in the car crash or if either driver was intoxicated, the State of California will prosecute the driver at fault and/or the intoxicated driver. However, you may still have to file an automobile accident personal injury lawsuit in California courts to recover money to pay for your accident-related expenses.

Whether you live in Los Angeles, Sacramento, Bakersfield, Fremont, or elsewhere in California, a local car accident attorney can advise you on your specific legal options and help you collect the money to which you are entitled.
How Is Fault Determined in California Car Accidents?

To collect money stemming from a car crash injury claim, California law requires you to prove the other driver was negligent. You must show:
The driver who caused your injuries had a duty not to injure you and failed to live up to that duty
There is a connection between the other driver's duty and your injury
You suffered damages, or a financial loss, as a result of the injury

California law can reduce the total amount you can recover if it's found your carelessness contributed to your automobile accident injuries.
How Long Do You Have to File a California Auto Accident Claim?

California law gives you two years from the date of your automobile accident to file a claim against the driver at fault in the accident. (This time limit is known as the statute of limitations.)

If you and your California auto accident lawyer are unable to negotiate a settlement with the other driver (or the driver's insurance company), you should consider filing a lawsuit before the statute of limitations runs out. If you fail to file a lawsuit within two years, you will give up your rights to sue.
Where Would You File an Accident Injury Lawsuit?

For California car crash injury claims worth more than $7,500, you would file your lawsuit in the appropriate California Superior Court.

If your California automobile accident claim is for less than $7,500, you would file your personal injury lawsuit in the California Small Claims Court that has jurisdiction.

Your California auto accident lawyer can tell you which specific court is the appropriate court to resolve your dispute.
California Auto Insurance Requirements

California laws require all drivers have the following mandatory automobile insurance:
$15,000 for injury or death to one person
$30,000 for injury or death to more than one person
$5,000 for property damage

World's Smallest Stallion - Einstein

Einstein is the worlds smallest stallion. He is about to become three years but stands just 20 inches tall. Huge media thronged to have a glimpse of him when he was born in April 2010 at a farm in Barnstead, New Hampshire.

His mother, Finesse, stands a relatively tall 32 inches and his dad, Painted Feather, measures 30 inches. Einstein is incredible as he shows no signs of dwarfness but he simply is a small miniature horse. The record of being the smallest horse in the world, according to Guinness World Records, is held by Tamberlina (Thumbelina) of the U.S. state of Missouri. He has to wait until he is four years to be officially recognized. 

Einstein is becoming quite a celebrity with appearances on Oprah and across the U.S. Even if the human interest is high, he didn't have many friends of his own breed. Einstein spends time with his giant friend, a full sized stallion, Playboy, and his owner's dog, Lilly.

Playboy is owned by a lady who lives next to the farm where Einstein lives, and he meets him to have a head sniff and a simple hello. Einstein is not aware about his height at all and he plays with Lilly and Playboy like a fully grown stallion. But due to his small size he can't mingle with other horses because it maybe dangerous for him.

Einstein's owner Charlie said he loves children and of course children love him too. Einstein is cute and too small and has unusual life. He may not be able to compete in the Kentucky Derby, but he is surely as popular as the winner.

Goodness of Honey and Cinnamon and its Natural Cures & Remedies

It has been found that a mix of honey and Cinnamon cures a lot of diseases. Honey in itself is a very effective medicine for all kinds of diseases without any side effects. Read our previous post, for more about Honey,
[Amazing health benefits of honey]
Here are some natural benefits against common ailments when honey and cinnamon team up:

HEART DISEASES: Make a paste of honey and cinnamon powder, put it on toast instead of jelly and jam and eat it regularly for breakfast. It reduces the cholesterol and could potentially save one from heart attack. Also, even if you have already had an attack, studies show you could be kept miles away from the next attack. Regular use of cinnamon and honey strengthens the heart beat. It has been found that as one ages the arteries and veins lose their flexibility and get clogged; honey and cinnamon revitalize the arteries and the veins.

ARTHRITIS: Arthritis patients can benefit by taking one cup of hot water with two tablespoons of honey and one small teaspoon of cinnamon powder. When taken daily even chronic arthritis can be cured. In a recent research conducted at the Copenhagen University, it was found that when the doctors treated their patients with a mixture of one tablespoon Honey and half teaspoon Cinnamon powder before breakfast, they found that within a week (out of the 200 people so treated) practically 73 patients were totally relieved of pain -- and within a month, most all the patients who could not walk or move around because of arthritis now started walking.

BLADDER INFECTIONS: Take two tablespoons of cinnamon powder and one teaspoon of honey in a glass of lukewarm water and drink it. It destroys the germs in the bladder and cleanses....who knew?

CHOLESTEROL: Two tablespoons of honey and three teaspoons of Cinnamon Powder mixed in 16 ounces of tea water given to a cholesterol patient was found to reduce the level of cholesterol in the blood by 10 percent within two hours. As mentioned for arthritic patients, when taken three times a day, any chronic cholesterol-could be cured. According to an information, pure honey taken with food daily relieves complaints of cholesterol.

COLDS: Those suffering from common or severe colds should take one tablespoon lukewarm honey with 1/4 spoon cinnamon powder daily for three days. This process will cure most chronic cough, cold, and, clear the sinuses, and it's delicious too!

UPSET STOMACH: Honey taken with cinnamon powder cures stomach ache and also is said to clear stomach ulcers. It is also found that when Honey is taken with cinnamon powder the stomach is relieved of gas.

IMMUNE SYSTEM: Daily use of honey and cinnamon powder strengthens the immune system and protects the body from bacterial and viral attacks. Scientists have found that honey has various vitamins and iron in large amounts. Constant use of Honey strengthens the white blood corpuscles (where DNA is contained) to fight bacterial and viral diseases.
INDIGESTION: Cinnamon powder sprinkled on two tablespoons of honey taken before food is eaten relieves acidity and digests the heaviest of meals

LONGEVITY: Tea made with honey and cinnamon powder, when taken regularly, arrests the ravages of old age. Use four teaspoons of honey, one teaspoon of cinnamon powder, and three cups of boiling water to make a tea. Drink 1/4 cup, three to four times a day. It keeps the skin fresh and soft and arrests old age. Life spans increase. Honey, particularly darker honey, such as buckwheat honey, is a rich source of phenolic compounds, such as flavonoids, that exert significant antioxidant activity.

RASPY OR SORE THROAT: When throat has a tickle or is raspy, take one tablespoon of honey and cinnamon and sip until gone. Repeat every three hours until throat is without symptoms.

PIMPLES: Make a paste of three tablespoons of honey and one teaspoon of cinnamon powder. Apply this paste on the pimples before sleeping and wash it off the next morning with warm water. When done daily for a few weeks, it removes all pimples from the root.

SKIN INFECTIONS: Applying honey and cinnamon powder in equal parts on the affected parts cures eczema, ringworm and all types of skin Infections.

WEIGHT LOSS: Drink honey and cinnamon powder boiled in one cup of water, one hour before the breakfast and at night before sleeping. When taken regularly, it reduces the weight of even the most obese person. Also, drinking this mixture regularly does not allow the fat to accumulate in the body even though the person may eat a high calorie diet.

FATIGUE: Recent studies have shown that the sugar content of honey is more helpful rather than being detrimental to the strength of the body. Senior citizens who take honey and cinnamon powder in equal parts are more alert and flexible. Research says that a half tablespoon of honey taken in a glass of water and sprinkled with cinnamon powder, even when the vitality of the body starts to decrease,when taken daily after brushing and in the afternoon at about 3:00 P.M., the vitality of the body increases within a week. 
Honey is an excellent source of readily available carbohydrate, a chief source of quick energy.

BAD BREATH: Gargling one teaspoon of honey and cinnamon powder mixed in hot water in the morning keeps the breath fresh for most of the day.

Udderly Delicious Butter Sculptures by Jim Victor and Marie Pelton

Artists always use their creative minds, think outside of the box and utilize common items in uncommon way to shape their imaginations. From matchsticks, small pins to huge rocks, we've seen our fair share of imaginative art using unconventional materials, but sculptor Jim Victor, along with his wife Marie Pelton, have become the masters in the artistic use of butter. The creative couple has been taking the creamy blocks out of the kitchen and into the studio for the past 11 years, producing some really wonderful butter sculptures.

The Conshohoken, Pennsylvania-based couple has created a number of impressive butter-based projects that has given them international acclaim for their wonderful craft. Rather than treating the unusual sculpting material as a component meant for cooking or meaningless hobbies, they take their art seriously, constructing three-dimensional structures that could have very well been carved out of marble. Each golden statue is meticulously sculpted, reflecting the smooth and coarse textures of real life.

In most every scene they include a cow. That could possibly be because the couple is paying homage.
Udderly Impressive ??

Monday, 29 April 2013

Online Earning

Google AdSense is the Google program where you can host pay-per-click ads on your Website. When someone clicks an ad, you earn money. Simple as that.

Is it really as easy to make money with Google AdSense as many would lead you to believe? Now that I've become heavily involved with managing Google AdSense programs for my clients, I can see it's not all play and no work.

Unfortunately, a lot of people bought into the idea that there was a lot of easy money to be made and they are now finding out they aren't making nearly as much as they thought they would. Additionally, Google has a lot of prohibited practices when it comes to AdSense, and too many Webmasters are finding out they violated Google's policies after the fact - often because they never bothered to read the AdSense policies in the first place.

Webmasters must not only comply with AdSense policies, but their Websites must also comply with Google's webmaster policies.

Webmasters must not only comply with AdSense policies, but their Websites must also comply with Google's webmaster policies.

Prerequisites for Making Money with AdSense
To make money with Google AdSense you need plenty of traffic coming in to your site or there won't be anyone to click the ads. Website promotion techniques, especially search engine optimization and article marketing will bring more traffic to your site. You also need to have content that will attract the ads with the highest Pay Per Click (PPC) rate that are relevant to that content. Then, you need to lay out your web pages so the ads blend in with your site. Studies have revealed that people who visit sites that contain ads that use colors that are not in harmony with the actual Web site tend to develop "ad blindness". Meaning no matter how much traffic comes into your site, chances are no one will click the ads because they'll be ignoring them. If no one clicks, you make nothing.

Dealing with Competitors' Advertisements

If you offer products or services on your Website, the first thing you'll notice when you begin hosting PPC ads is that many of the ads are coming from your competitors. Therefore, you'll want to put ads on pages that aren't earning you any money, or do like I did and not put ads on your site until you're so busy anyway you'd rather make a few dollars off of your competitors than to continue turning business away with nothing to show for it.

Google AdSense allows you to specify up to 200 URLs for sites you want to bar from placing ads on your pages. The problem is that most times you won't know the competitors are out there until their ads appear.

Google Money Making Ad Options
Google offers three ways to make money from them:
Google AdSense for Content - A variety of size and shape ads for placing in your content are available. These can be text or image ads or both - you specify what you'll allow. Ad units are full ads. Link units are simply a strip of text links that your visitors might want to click. Google allows you to put up to 3 Ad Units and 1 Link unit on each page of your Web site, provided you follow its policies - both for AdSense and for Webmasters.
Google AdSense for Search - This places a search box on your Web site. When a user enters a term and conducts a search, a search results page opens, that hosts more pay-per-click ads. You can customize the color scheme of the search results page to harmonize with your web site.
Google Referrals - Here you make money by referring visitors to use a Google product, like AdSense, AdWords, the Google Toolbar and other Google software. Just like Google AdSense for Content and AdSense for Search, Google generates the code that you paste into the desired location on your web page. You can choose from a wide variety of buttons and text links of different colors. As an example of how Google Referrals works, if someone goes to your site and clicks the link and signs up for an AdSense account, when that person earns a $100 from Google AdSense and receives a payout from Google, you'll also receive $100 for referring them. This is a great idea to me, because you can be the world's worst Google AdSense advertiser, but if an ad dynamo happens to visit your site and uses your referral link, you can make money anyway!

Google AdSense Payments

Google will not issue an AdSense payment until your earnings exceed $100. Unfortunately, there are loads of Google AdSense Forum entries about website operators who accumulated $90 or more in click through earnings only to get banned from Google and not get paid anything at all before they ever reached $100. This may be because Google doesn't take a close look to see if you're complying with their guidelines until it comes time to pay you. So yes, there's a lot more to the story than meets the eye.

Other Programs Besides AdSense

Yahoo and MSN have similar programs, although those programs aren't as well-developed as Google AdSense and there aren't as many available advertisers to display ads on your site. The fundamentals for making money are the same: You still need plenty of traffic, you still need high-paying ads, and you still need to design your site to harmonize with the ads to get people to click.

13 Simple Ways to Super-Charge your BRAIN

Here are some things you can begin doing as soon as today to begin the great brain tune up.

1) Eat Almonds
Almond is believed to improve memory. If a combination of almond oil and milk is taken together before going to bed or after getting up at morning, it strengthens our memory power. Almond milk is prepared by crushing the almonds without the outer cover and adding water and sugar to it.

2) Drink Apple Juice
Research from the University of Massachusetts Lowell (UML) indicates that apple juice increases the production of the essential neurotransmitter acetylcholine in the brain, resulting in an increased memory power.

3) Sleep well
Research indicates that the long-term memory is consolidated during sleep by replaying the images of the experiences of the day. These repeated playbacks program the subconscious mind to store these images and other related information.

4) Enjoy simple Pleasures
Stress drains our brainpower. A stress-ridden mind consumes much of our memory resources to leave us with a feeble mind. Make a habit to engage yourself in few simple pleasures everyday to dissolve stress from your mind.
Some of these simple pleasures are good for your mind, body and soul:
Enjoy music you love
Play with your children
Hug a stranger
Appreciate others
Run few miles a day, bike or swim
Start a blog
Take a yoga class or Total wellness routine

5) Fast for a day
Fasting cleans and detoxifies our body. It is known fact that heavy food not only causes stress on our digestive system but also drains our brainpower. Fasting relieves toxic emotions such as anger, grief, worry, and fears - before they accumulate and cause disease. By cleansing toxic emotions, fasting strengthens metal clarity with increases memory, concentration, creativity and insight.

6) Exercise your mind
Just as physical exercise is essential for a strong body, mental exercise is equally essential for a sharp and agile mind. Have you noticed that children have far superior brainpower than an adult does? Children have playful minds. A playful mind exhibits superior memory power. Engage in some of the activities that require your mind to remain active and playful:

7) Practice Yoga or Meditation
Yoga or Meditation relives stress. Stress is a known memory buster. With less stress, lower blood pressure, slower respiration, slower metabolism, and released muscle tension follows. All of these factors contribute significantly towards increases in our brainpower.

8) Reduce Sugar intake
Sugar is a non-food. It's a form of carbohydrate that offers illusionary energy, only to cause a downhill slump once the initial burst has been worn off. Excess intake of sugar results in neurotic symptoms. Excess sugar is known to cause claustrophobia, memory loss and other neurotic disorders. Eat food without adding sugar. Stay away from sweet drinks or excess consumption of caffeine with sugar.

9) Eat whole wheat
The whole wheat germs contain lecithin. Lecithin helps ease the problem of the hardening of the arteries, which often impairs brain functioning.

10) Eat a light meal in the night
A heavy meal at night causes tossing and turning and a prolonged emotional stress while at sleep. It's wise to eat heavy meal during the day when our body is in motion to consume the heavy in-take. Eating a light meal with some fruits allows us to sleep well. A good night sleep strengthens our brainpower.

11) Develop imagination
Greeks mastered the principle of imagination and association to memorize everything. This technique requires one to develop a vivid and colorful imagination that can be linked to a known object. If you involve all your senses - touching, feeling, smelling, hearing and seeing in the imagination process, you can remember greater details of the event.

12) Control your temper
Bleached food, excess of starch or excess of white bread can lead to nerve grating effect. This results in a violent and some time depressive behavior. Eat fresh vegetables. Drink lots of water and meditate or practice yoga to relieve these toxic emotions of temper and violent mood swings.

13) Take Vitamin B-complex
Vitamin B-complex strengthens memory power. Eat food and vegetables high in Vitamin B-complex. Stay away from the starch food or white bread, which depletes the Vitamin B-complex necessary for a healthy mind.

I don't believe these are that tough. If you find yourself increasingly stumped, give couple of these, a try.

Safety Underground Garage

This innovative design is an
interesting parking solution that is
starting to be seen around more
affluent London locales. The owner’s car is raised and lowered by means of a hydraulic lift.

The Cardok garage is underground
parking solution that doubles your
parking space and provides greater
security than a locked garage. All
Cardok products are built to order, so whilst there are standard design sizes, variations can be accommodated to suit most circumstances. Do you think this solution is 100% safe? For what cars is indicated this garage? For expensive cars or for all, as long as you can afford.

The Cardock is an alternative garage solution targeted at more affluent consumers who seek to save space in their residences, or even to hide one car under garden space. Essentially, it allows users to park two cars using a the space required for one by means of a powerful elevator.

This elevator lowers one car into the ground and thus allows users to park another car over it. The good news is that users do not need to move the car on top to be able to use the one at the bottom. The invention provides for a mechanism that allows users to move the bottom car without moving the top one.

This futuristic invention is already
using in several London residences.
Eight are currently functional, four are under construction, and ten are being readied for installation.

This double capacity elevator can hold up to 10 tons or 22, 400 lbs of car weight. It costs around $61,181 for a single model and $72,816 for a double one.


The very thought that a 30-story building could be built in 15 days is truely beyond our imagination. But it happened in China, as a 30-storey hotel was built in just 15 days.

This plan was undertaken by Broad Group and the building was built in the Hunan Province of China, near Dongting lake. This Chinese construction company specializes in sustainable architecture, and prefabricated modules placed on steel structures.

The Broad Sustainable Building’s foundation was laid ahead of time, while building itself was largely factory manufactured. Once the pieces were shipped to the site, all that was left was for construction workers to put it all together in record time.

According to the Broad Sustainable Building’s website, the building was 93 percent factory made, a process which they say eliminates risks associated with design and construction quality, budget and construction delays

Sunday, 28 April 2013

Feeling bored? Try these paper plate fish..

Have kids in home? Try decorating it for them. Even involve them in such creative acts.
Doesn't need much of effort, just a few paper plates, markers, scissors and a pinch of creativity.

Once you master the basics, try mixing it up with other decorative, like a small hat, flowers, hairs, glitters.
Let your thoughts do the talking and you can have a beautiful school of fish .

The giraffe woman , Kayan lahwi tribe

Kayan lahwi is one of the group of Kayan tribe living in burma and southern thailand near burma thailand border,they are ethnic minority in Burma and often are threatened as minority by the Burmese govt.despite of that, Kayan lahwi are known for their unusual culture and lifestyle, especially the neck ornaments used by the woman called neck rings,these rings make their neck longer than usual.girls start wearing the rings when they become 5 years old,as they grow,each ring .

Make your own hanging garden using tyres . :)

That’s beautiful and creative. Why burn or through tires when you can turn it into awesome beauty. It’s easy to make. You just need the following items-

1. Soil

2. vine like plants, cause vine plants will hang itself making it look beautiful.

3. Car Tires.
1st, make small hole in the tire. You may need experts to do it. Then hang the tires on your chosen wall. Cover the cavity inside the tire with soil and plant your vines. Your own hanging garden is ready to amaze your neighbours.

Creative sculpture made of plastic bottles .

Giant fish made with plastic bottles are exhibited at Botafogo beach, in Rio de Janeiro June 19, 2012. The United Nations Rio +20 Conference on Sustainable Development will be held from June 20 to June 22.

Don't forget to share ;)

Saturday, 27 April 2013

Honey: Important for our health

Honey, indeed a sweet gift of nature as long as it is pure. Intake of impure honey can be troublesome to you, and surely you will be deprived from enjoying the sweet taste.

Here, some tips are given to detect the purity:

1. Take your honey and freeze it, if it becomes hard like ice, its impure.

2. Take a glass of water and put a drop of honey and wait for a minute, if it gets dissolve without any disturbance, its impure.

3. Take a white cloth and put a drop of honey and wash it, if a yellow spot exists in the cloth, then the honey is impure.

The largest hanging garden

The Al Ain paradise park in Al Zakher area holds the Guinness world record for
having largest number of hanging flower basket,there is about 10 million flowers decorated with other beautiful elements here. About 25000 visitors visit the place per week. It also holds the record of having longest flower covered wall. the park is now closed and will open again in October. People also call it the “flower basket of Abu dhabi”. The garden is truly magnificent.

The Transparent Eel Larva

Common Name: Leptocephalus larva

Order: Elopomorpha

Leptocephalus can be found worldwide, specially in European areas.


Leptocephalus (meaning=slim heads) are ribbonlike, translucent, pelagic larva of marine eels and some freshwater eels and other members of Elopomorpha. Eels with this transparent larva stage includes some of the popular and mostly known eels such as Moray eel and garden eel. The body is laterally compressed and contains jelly-like substances on the inside, with a thin layer of muscle with visible myomeres on the outside. hey have a simple tube as a gut. They have dorsal and anal fins, but lack pelvic fins. They also don’t have any red blood cells, which they only begin produce when the change into the juvenile glass eel stage. They also possess fang-like teeth that are present until metamorphosis, when they are lost.


They feed on tiny floating marine
substances called “marine snow”. They can be found in about 100 meters deeps at night and a little deeper in daytime.

Amazing moment .

This is the amazing moment a lightning bolt was captured as it struck the iconic Statue of Liberty.

The impressive image was caught by New York photographer Jay Fine who spent the night braving the storm in Battery Park City Manhattan, in a bid to get the perfect picture.

Friday, 26 April 2013

Insurance and its benefits ♥ ♥ ♥

Definition of 'Insurance'

A contract (policy) in which an individual or entity receives financial protection or reimbursement against losses from an insurance company. The company pools clients' risks to make payments more affordable for the insured.

explains 'Insurance'

When shopping around for an insurance policy, look for the best priced package that is right for you - prices can vary from one insurance company to the next. And make sure you know what you want. Some individuals, for example, prefer 24- hour claims service or face-to-face contact with an insurance representative. Also consider the claims settlement process, the amount of the deductible and the extent of the replacement coverage. Insurance companies and the policies they offer are not all the same, so think about more than just the price.

Definition of 'Auto Insurance'

A policy purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Instead of paying out of pocket for auto accidents, people pay annual premiums to an auto insurance company; the company then pays all or most of the costs associated with an auto accident or other vehicle damage.

Buildings insurance (fire)

A buildings insurance covers damages caused to buildings and permanently installed objects. In the Canton of Zurich, as in most other cantons, the property fire risk insurance is compulsory. This insurance also includes damage caused by certain natural forces (e.g. flooding). In contrast, furnishings (chattels) and equipment (goods) are not covered. Coverage of these items needs a separate insurance (chattels).

Property insurance (chattels)

Destroyed or damaged business chattels or goods due to fire, water, theft (robbery and burglary) or glass breakage can pose a threat to your existence as an entrepreneur. This insurance is similar to a private household insurance and also covers damages to property of third parties, rented objects, leased objects or objects taken into care.

Technical insurances

Technical insurances can, for instance, be taken out for IT installations, technical installations (telephones), for machines or for their installation. The insurances cover the repair and replacement costs. These insurances are worthwhile supplements to property insurance (chattels) which does not always provide sufficient coverage and security in the technical field.  .

Transport insurance

Things can occasionally go wrong when transporting goods. A transport insurance protects from damages which goods can suffer during transport, e.g. through damage or loss.

Asset insurances :

Asset insurances primarily provide
coverage of assets. The most important asset insurances are:

a) Third party liability insurance for
motor vehicles .

Third party liability insurance is
compulsory for all motor vehicles (cars, motorbikes, commercial vehicles or
agricultural vehicles) used on public roads. Insurance covers damages caused with the vehicle to third parties. The premium for the third party liability insurance for motor vehicles depends, inter alia, on age of the driver, his/her driving experience and the type of vehicle. The insurance also works according to a bonus-malus system, meaning that the premium is reduced (bonus) in the event of accident- free driving and increased (malus)
following a damage claim.

b) Public / Professional liability

Anyone who inflicts harm on a third party, whether intentionally or due to carelessness, can be held liable. There are countless danger sources that can result from an entrepreneurial activity. Practically speaking, a distinction is made between three risk and danger areas:

1. facilities risks (e.g. construction defects)

2. operating risks (e.g environmental damages)

3. product risks (e.g. damages caused by faulty products)

The insurance company examines the claims, pays justified demands of claimants and rejects inflated or even unjustified claims. There are different public and professional liability insurances depending on the business sector. Medical doctors, architects, engineers, lawyers, notaries, fiduciaries, chartered accountants as well as their employees should on all accounts take out a professional liability insurance so as to be protected in the event of injury to a person or damage to property as a consequence of their professional activity.

c) Interruption of business

Production losses resulting from an
interruption of operations of a machine, of goods or when transporting goods as a consequence of an insured fire or water damage are not covered by the property insurance (chattels). An additional insurance (e.g. a machinery loss of profits insurance) needs to be taken out for this.

The million-to-one black and white twins

The million-to-one black and white twins
Kian and Remee turn seven One is black
and has big brown eyes. The other is a
blue-eyed blonde with the palest of skin.
They might share the same cheeky smile,
but side by side, they could hardly look
less alike. Yet remarkably, Kian and Remee
are twins, born a minute apart.

Heart Touching Story About Sincerity and Loyalty of a Dog

For the past 6 years, a Dog called
Capitán has slept next to the grave of his owner every night at 6pm. His
owner, Miguel Guzmán died in
2006. Capitán, the dog, disappeared while the family attended the funeral services. A week later relatives of Guzmán were visiting the cemetery when they were astounded to find the dog next to the owner's grave. The cemetery director says that the dog comes around each night at 6pm, and has done so for the past 6 years!

This sweet story shows the sincerity and loyalty of a dog to his owner. So i guess Dog is the most sincere creature in the world. Right?

♥  "SHARE" if you think it's heart
touching. ♥


Money magazine's 15 Ways to Build Wealth package offers blueprints for the different stages of your life on how to achieve real financial security.

Just starting out? Now's the time to
create a solid plan for investing and
saving .


Savings goal at age 30: 0.6 x your

income Biggest cash drain: Student loans and other debt

Biggest challenge: Overcoming fear of investing

Biggest opportunity: Lots of time for
your money to compound

1. Be courageous. Nearly 40% of Gen Y-ers say they'll never feel okay investing in stocks, MFS Investment Management reports. Take note: Since 1926, a portfolio mostly in stocks has never lost money in any 20-year period while
averaging gains of more than 10.8% a year, vs. 4% for bonds.

Get an age-appropriate mix with the target-date fund in your 401(k) or MONEY 70 picks Vanguard Target Retirement 2050 ( ) or T. Rowe Price Retirement 2050 ( ).

2. Go for a Roth 401(k). The Roth
advantage: You save with after-tax
dollars, so, unlike a regular 401(k), you won't pay income taxes on withdrawals. That's a good deal if you'll be in a higher tax bracket at retirement, as is the case for many young investors.

Four in 10 large plans now offer a Roth option, Aon Hewitt says. To hedge your bet on future tax rates, split your contributions between a Roth and a pretax 401(k).

3. Don't cash out. More than half of
workers in their twenties who leave a job do not roll their 401(k) into an IRA or their new employer's plan, says Aon Hewitt. Bad move: On a $10,000 balance, you could be left with just $7,000 after taxes and penalties. If, instead, you keep that money growing at, say, 6% a year, you'll have an extra $100,000 or so by the time you retire.

Favor cash-rich stocks :

Companies in the Standard & Poor's 500 index now sit on a record $1.2 trillion in cash. Smart investors, take note: This means some blue-chip companies have huge war chests to fund or buy growth for years. Three analyst favorites:

4. Google ( , Fortune 500 )
Cash stake: $48 billion.

This Internet giant is already a leader in three growth areas of tech -- mobile, online advertising, and the cloud -- and is catching up in social media. And it has ample resources to keep innovating, notes Edward Jones analyst John Olson. The next big things: computerized
eyeglasses and a self-driving car.

6. Abbott Laboratories ( ,
Fortune 500 ) Cash stake: $15 billion.

After spinning off its slow-growing drug business, Abbott is looking to use its cash to expand abroad. Good start: Already 40% of sales -- ranging from arterial
stents to diagnostic devices to infant formula -- come from emerging markets such as China and Brazil.

Add microcap stocks for growth :

7. Think tiny. Microcap stocks, with
market values of about $200 million or less, have historically gained about two percentage points more a year than larger stocks.

Since not all of these businesses will withstand the test of time, invest via a diversified fund. Perritt MicroCap Opportunities ( ) ($1,000 minimum initial investment) and
Managers Micro-Cap ( ) ($2,000 minimum investment) have
beaten more than 80% of their peers over the past 15 year

Build your career :

8. Take a leap. Got a business idea
you're eager to try? It's easier to handle the risk when you don't have a mortgage or kids to support.

To get started, tap into advice from
entrepreneurs your age via the Young Entrepreneur Council, which recently launched #StartupLab (mystartuplab.com), a free virtual
mentorship program with live video chats, expert content, and e-mail lessons.


9. How much you'd have at 65 if you save
$5,000 a year from ages:
25 to 35: $602,100
35 to 65: $540,700
25 to 65: $1.1 Million
Note: Assumes 7% average annual

Build your credit score :

10. Have two to four cards, but use
one. You want more than one credit card, says Ulzheimer, because scorers look at how much credit is available to you -- in relation to how much you're not using. Make one your primary card and ice the others. Then ask for a modest increase in your credit limit every 12 months -- but don't use it!

Watch: Three ways to boost your
credit score

11. Pay down in the right order. Knock off credit card debt, then start paying extra on installment loans. "Having $700 in credit card debt can cause you bigger problems than having $70,000 in student loan debt," says Ulzheimer.


The higher your score, the lower the interest rate you'll nab on a mortgage or car loan. Best to nail it when you're younger and your credit score is easy to change, says expert John Ulzheimer.

$250,000, 30-year mortgage
FICO credit score of 660; total interest
paid: $171,260
FICO credit score of 760; total interest
paid: $140,403
Savings in interest paid with higher score:

$20,000 new car loan (36-month term)
FICO credit score of 660; total interest
paid: $2,181
FICO credit score of 760; total interest
paid: $1,056
Savings in interest paid with higher score:

Start building your assets and income :

12. Ride the shale boom. Oil and gas
production from shale deposits is "the most important energy innovation of the 21st century," says Mark Luschini at Janney Montgomery Scott.

That's no secret, so look beyond
traditional energy giants. Halliburto
( , Fortune 500 )is the largest
provider of hydraulic fracturing services; railroads such as CS ( , Fortune 500 )transport the oil after extraction. Both trade at P/Es under 11.

13. Favor new consumers. The old way to invest in the developing world: via a Western multinational active in China and India. Alas, these stocks also expose you
to slow-growing Europe, plus many sport lofty P/Es.

Go for a smaller mortgage :

14. Buy beneath your means. "Dream home" size has been rising lately, says Trulia.com. For wealth building, smaller is better. Less space, resulting in a lower mortgage, improves the odds your lender will green-light the deal, and you'll be left with more cash to invest.

Standard rule: Mortgage payments
(including taxes and insurance) should be no more than 28% of your gross income. A better gauge: 22%, the average for borrowers lately, says data provider Ellie Mae.

15. Cut it shorter. Your mortgage, that is. Some 28% of new conventional mortgages last year were 15- and 20-year loans instead of the traditional 30-year fixed rate. If you're thinking about refinancing or trading up, opting for a shorter term can be a smart move.

Sure, you'll cough up a little more each month, but you'll save a bundle in interest and be house-debt-free a lot faster, freeing up cash to invest toward other goals.

Interest rate: 3.8%
Monthly payment: $1,403
Total interest paid: $205,080

Interest rate: 3.7%
Monthly payment: $1,772
Total interest paid: $125,382

Interest rate: 3.1%
Monthly payment: $2,079
Total interest paid: $74,214
Source: HSH Associates

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