World's Top Golf Resorts: Train and Play for Your Vacation!

The finest golf resorts in the United States, Europe, Mexico and the Caribbean can be your choice for your next vacation. Make it a train-and-play golf vacation! So many package deals are available to make your trip much more than a break from your routine. A golf vacation will be a practical experience of improving your golf game, enjoying a phenomenally peaceful and luxurious setting, and visiting a different state or a different country! This planning guide will point you to some of the best-rated golf resorts in the world.

Whether you ultimately book for yourself or through an experienced golf travel specialist, begin your research online where you can find premium golf courses and travel bargains. Rates, resort amenities and golf course details are available. But look further for the packages that include airfare, hotel accommodations and green fees to get your best value. The typical packaged Golf Resort Vacation will include most of these features:

• Airfare
• Resort Accommodations
• Confirmed Tee Times
• Prepaid Green Fees
• Shared Cart for 18 Holes
• Equipment Rental
• Golf Lessons
• Meals at Exclusive Restaurants
• Transfers to the Course
• Transfers to the Airport
• All Taxes and Service Charges

Golf courses are planned in lovely surroundings where you can take in sea breezes or views of lush vegetation, and you can combine golf with other resort amenities to provide a well-rounded vacation.

For instance, try one of the many glamorous Club Med Golf Resorts with beautiful fairways in the most unforgettable, inviting locations around the world. Club Med offers deals including the best equipment and golf lessons for all levels! Its locations include Cancun, Mexico, as well as Punta Cana in the Dominican Republic. Other locations span the world: Turks and Caicos, Mauritius, Portugal, France, Italy, Brazil, Thailand, Morocco, Egypt, Senegal, and in the United States--Sandpiper Bay, Florida.

Scotland has some of the most beautiful golf courses in the world and there are approximately 100 resorts, called "golf hotels," among the 500-plus golf courses throughout the country. Best known are Turnberry, Gleneagles and The Old Course Hotel St. Andrews. Each of these has spa, leisure facilities, excellent restaurants and "golf tuition" packages for all levels.

Mexico has numerous golf resorts perched in luxurious coastal locations. There are golf resorts at Cancun, Acapulco, Puerto Vallarta and Los Cabos. Also, Mexico has its championship Baja version of California's famous "Pebble Beach" golf resort, called Bajamar, only a few hours' drive from San Diego in Ensenada.

For the United States, check online for some of the golf resorts suggested by key magazines such as Golflink's which publishes The Top 100 United States Golf Courses. This issue ranks the best out of more than 21,000 public and private golf courses across the country. However, within that one hundred courses, you want to search for the resorts with package programs and golf lessons. Among the top hundred, you will find that the main vacation-destination states with golf resorts are in Arizona, California, Florida, Nevada, South Carolina and Texas. Let's review these states for their best locations:

• In sunny, always temperate Florida, Club Med's Sandpiper Bay Golf Academy offers 2-day and 3-day golf courses. The Academy includes all aspects of the game, such as Chipping, Putting, Bunker, Pitching and Lob Shot, Full Swing with Irons and Woods. A video analyzing your swing is provided, as well as an optional video comparing your swing to that of a pro player. Also, the area within and around Miami has regional golf resorts for year-round vacationing. Each resort offers on-site amenities and services, both on and off the course, and minutes away from major Miami attractions, like South Beach and Miami MetroZoo. You will have a multitude of options during a golf vacation here.


• Arizona has a climate that is suitable for many months of the year and Scottsdale has nearly 200 golf courses, many with the picturesque backdrop of the Sonoran Desert. It is a golf destination with golf schools and pro shops. Here, many resorts offer high-quality accommodations and championship golf courses. Most golf resorts offer packages where hotel guests can have discounted green fees. Also, Sedona, Arizona, offers numerous golf resorts with a mild year-round climate and spectacular red-rock scenic views.


• In California, Pebble Beach has been known for being a small coastal golf destination nestled in beautiful Monterey County. It is home of the prominent Pebble Beach Golf Links, the Pebble Beach Lodge and the prestigious Inn at Spanish Bay. Each year, golfers return to rub shoulders with golf professionals and experience nature at its finest on the magnificent golf course laid out by leading golf course designers. The harmony of golf layouts and the majestic coast are awe-inspiring!


• Another golfer's paradise is conveniently located along the south Atlantic coast at Hilton Head Island, South Carolina. It combines natural beauty and world-class golf on a barrier island 12 miles long and five miles wide. Nicklaus, Palmer and other golf legends have frequently played these championship courses. Since the first course opened at Sea Pines in 1961, there are now emerald links at Harbour Town and outstanding courses in Bluffton, as the Hilton Head area has become a major golf center. It is legendary for its spectacular views of the Atlantic Ocean, scenic marshes, and maritime forests with abundant wildlife. The temperate climate and year-round sunshine also makes Hilton Head Island the perfect place to tee off.


• Las Vegas, Nevada, is quietly emerging as one of the United States' fastest growing golf destinations amidst the glitz and glamour of its casinos. The city's huge convention center and innumerable hotel rooms make it a natural haven for large-scale golf events. With the year-round sunshine and mild temperatures, and plenty to do after a full day of playing golf from gambling to seeing entertaining shows, this golf destination will continue to grow.


• CNN ranked Austin, Texas the No. 1 city for golf in its Golf.com of 2010. Framed by the Texas Hill Country, Austin's golf courses are among the best in the United States. The region is highlighted by the Wolfdancer Golf Club which was named No. 56 in Golfweek's top 100 resort golf courses in 2009. In addition to being a great contemporary music city, and home of numerous celebrities, Austin offers vacationing golfers great barbeque, an idyllic, year-round climate and luxury accommodations.

Your best package deal will be at all-inclusive resorts, where air flight, lodging, meals and golf activities are rolled into one price. On the other hand, consider traditional hotels and resorts in the locations suggested. With a little online planning, one of the finest golf resorts in the world can be your affordable choice. Enjoy the location, the exploration of the region while you improve your golf game and provide a joyful, well-rounded vacation for your family and loved ones!

(c) 2012 Elizabeth McMillian

Elizabeth McMillian enjoys writing about her personal interests, including travel, exercise and cycling. She is an architectural historian, a former editor at Architectural Digest and the author of five books and numerous articles. If you are a beginner or a golf enthusiast, learn more about choosing your ideal equipment at http://www.golf-club-complete-sets.com/

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Free Insurance Quotes - Cheap and Simple Way to Manage Our Savings

Have you checked your insurance for better insurance rate quotes lately? Many people ignore this just because they don't want to go through all the troubles looking for insurance rate information or comparing rates, and decide to stick with the old companies which they think have already given them the best rates and coverage even if the rates are raised by the companies. If that is what happen, they might have missed the chance of getting better rates and coverage offered by other insurance companies on the market.


In every insurance company, insurance rate is dynamically changed through time. There are so many aspects that can influence the rate changing whether it is an external or internal factor.


Government rules and policies, political and economic situation, business atmosphere such as number of competitors, or even a natural disaster could be considered as external factors that give effect to an insurance rate as well as the coverage. For example when the political situation is getting hot which might trigger some riots or civil commotions insurance companies will raise their rates since the risk factors are increasing, and they might lessen the extend coverage for RSCCTS (riot, strike, civil commotion, terrorism, and sabotage) or give an extra charge for the items. But if an insurance company finds a lot of competitors on the market selling the same insurance product, this could make the company lower their rate and sometimes offers a better coverage and service.


While the internal factors usually have something to do with the loss and profit of an insurance company. Let's say insurance company A provides auto insurance and homeowner insurance. Due to a catastrophic in one area, they have to pay out a large amount of homeowner insurance claims. To cover the loss over the homeowner insurance claims, the company may raise premiums for their auto insurance customers. But if the company is in a profitable year they might lower their rates to attract more customers. Beside that, certain record of costumers might also affect the insurance rate like credit history or driving record in the case of auto insurance.


Since there are so many factors that could affect the raise or decrease of insurance rates, we can be sure that there is no guarantee we will continue to receive the best rates from the time we signed with an insurance company. Like I said before, insurance rate is dynamically changes through time, so even if we still pay the same rate like the first time we signed with an insurance company or even lower than that, we still have a chance of getting a better insurance deal on the market.


To ensure we are getting the best rate, best is to make a regular review of our policy and then make a comparison against the offerings from other competing insurance companies. Not like in the past, when to obtain insurance quotes could take a lot of time and waste so much energy since we have to spend hours on the phone and having lots of meetings with different insurance agents, today we can easily get free insurance quotes from the internet. This could be done in a very short time, only by filling out the online questionnaire and without lifting the phone or leaving home, we already can obtain free insurance quotes from many different insurance companies.


We can get free insurance quotes from insurance company websites, insurance broker websites, or from any other insurance websites that have free insurance quotes tool. If we'd like to have a more detail information on coverage and services of an insurance product beside the rate, we can get a free insurance quote from insurance company websites. But this way, we're going to have to travel from website to website to get quotes from other insurance companies and also we have to fill the questionnaire form again and again. So if we'd like to save a little time and energy, we can get free insurance quotes from insurance consulting websites that offer free insurance quotes. We can easily find these websites by simply type "free insurance quotes" on the search engine, and we'll find hundreds of websites offering to give free insurance quotes. The best thing is we don't have to visit another websites to get insurance quotes from different insurance companies and usually we only have to fill the questionnaire form once. These kind of websites usually also give tips on how to get the best rate, coverage, and other insurance services.


To obtain sufficient information from free insurance quotes to be able to help us in making comparisons and determine which insurance company will we choose, here are some things should be noted:


o We must determine from which site we will ask for an insurance quote based on our needs. If we want more detailed information about coverage and services provided by an insurance company is better to directly ask for quotes from the insurance company's website. We should also do this if we want an insurance quote for specific types of insurance such as the antique car insurance which has many different aspects from the general car insurance. But if we wish to make a quick comparison and intend to more detailed information later on, we can go to any insurance site which provides a free insurance quote for many different insurance companies, and be sure we pick the site which has a large amount of insurance company database so we can have a lot of choices to compare.


o Determine what kind of coverage we really need and how much money we prepared, and what amounts of coverage needed to protect us. Because the insurance market is sometimes like a shopping mall that often tempt us with products that are irresistible, so we often fall and spend money on something that we don't really need.


o Fill the questionnaire form with accurate data, if we do not feel confident about what we have to fill in one column, it's better to ask or look for documents that can help us fill, in case of auto insurance maybe we can prepare the vehicle documents, driver license, and any related documents. If the insurance object is under insured, the policy's declarations page can help you a lot in filling the form. Answer all the questions in the form truly and don't hide anything, this is the only way for us to obtain an accurate quote.


o Ask free insurance quotes from at least three different companies to be able to get more alternatives. If we ask for quotes from different sites, make sure to enter exactly the same information so that we can get a balanced comparison.


o Do some experiments by changing information or value in various fields that can affect insurance rates and consider the results of the calculation to see which one best suits our needs and budget, then do the same thing with quotes from other insurance companies in order to make comparisons. For example, generally if we increase the deductible value and decrease the amount coverage then we shall have a lower rate. Or in case of auto insurance, number of drivers and average mileage can also affect the rate. But please notice that there are some fields which also affect the rate that we cannot change like driving record in case of auto insurance or health record in case of health insurance otherwise we won't get an accurate quote.


After getting a rate quote that suits our needs and budget, we can continue to do a further check to the insurance company and the insurance plan. Remember, that the cheapest quote doesn't necessarily mean you will get the best value on your coverage and good coverage doesn't always come from a big company. Here are what we have to do after getting rate quotes:


o Look beyond the amount of money to what the coverage actually covers. Pay attention to the several other factors that could affect the claim process and payment as well as the length of the claim process, also find out what is not covered in the policy exclusions. We can get the information on the website if it's available there or best is to contact the insurance agent to get more sufficient comprehensive information.


o Check the history and reputation of the company, since having insurance covers from an experienced and reputable company can give us peace of mind. Find out whether they provide high quality costumer care or if there were complains about the company performance. we can find testimonials or experts review on an insurance company concerning these issues.


o There's nothing wrong to follow our instinct as long as we also use common sense in deciding which insurance company we should choose. We can go with the company that makes us feel most comfortable as long as it gives a nice rate and coverage based on the insurance quote. Pay attention if the agent or company representative able to answer all our coverage and policy questions or whether the agent treat you with courteous and respect. After all, we always want to have insurance protection with the best rate and service.


After we have made our mind and choose one insurance company to insured us, we shouldn't stop trying to get more discounts or lower rate. Besides raising up the deductible amount which can give us up to 15-30% lower rate, there are still many other things that can lower the insurance rate such as:


o If the insurance company handles a wide range of insurance products consider having all our insurance provided by this company, this will give us a great discount on our premiums.


o In the case of auto or homeowners' insurance, ask the company about multi-family price reductions for coverage. If there is a price reduction, consider to purchase multi-family over a single type of insurance from the company. We can also get discount by having well-security system for the vehicle / house.


o We can also choose to make annual premium payment to save money. That's because most insurance companies do charge a service fee if we make quarterly or monthly payments since this increases the risk that we won't pay the next month. Some insurance companies don't charge these fees but do give us a discount if we pay our entire premium in one lump sum. While that might seem too expensive of a bill to pay at once, we could always put back the amount of the monthly premiums into a savings account each month then we'd have the full amount to pay the yearly premium


After we have got the best coverage with the best rate, all we have to do is to keep it that way by avoiding things that can cause us to lose some protection and rate increases. For example, in case of auto insurance, we should be a safe driver, avoid accidents, and try to avoid making too much claims. As for homeowners' insurance, we can try to minimize our liability risks by placing fence around the pool or having adult supervision when anyone is at home. We might also consider small repairs yourself without making a claim.


This way we can maintain the coverage and the low rate we already have although it's not 100% guarantee it will stay that way for a very long time. That's why we still have to make a regular review of our policy especially at the end of an insurance period to get the best deal on the market by taking advantage of free insurance quotes available, since the rate might easily changed every time.


Get more insurance tips at http://einsurancer.com Original post at einsurancer.com.


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21+ Useful Insurance Terms You Should Know

INSURED - A person or a corporation who contracts for an insurance policy that indemnifies (protects) him against loss or damage to property or, in the case of a liability policy, defend him against a claim from a third party.


NAMED INSURED - Any person, firm or corporation specifically designated by name as an insured(s) in a policy as distinguished from others who, though unnamed, are protected under some circumstances. For example, a common application of this latter principle is in auto liability policies wherein by a definition of "insured", coverage is extended to other drivers using the car with the permission of the named insured. Other parties can also be afforded protection of an insurance policy by being named an "additional insured" in the policy or endorsement.


ADDITIONAL INSURED - An individual or entity that is not automatically included as an insured under the policy of another, but for whom the named insureds policy provides a certain degree of protection. An endorsement is typically required to effect additional insured status. The named insureds impetus for providing additional insured status to others may be a desire to protect the other party because of a close relationship with that party (e.g., employees or members of an insured club) or to comply with a contractual agreement requiring the named insured to do so (e.g., customers or owners of property leased by the named insured).


CO-INSURANCE - The sharing of one insurance policy or risk between two or more insurance companies. This usually entails each insurer paying directly to the insured their respective share of the loss. Co-insurance can also be the arrangement by which the insured, in consideration of a reduced rate, agrees to carry an amount of insurance equal to a percentage of the total value of the property insured. An example is if you have guaranteed to carry insurance up to 80% or 90% of the value of your building and/or contents, whatever the case may be. If you don't, the company pays claims only in proportion to the amount of coverage you do carry.


The following equation is used to determine what amount may be collected for partial loss:


Amount of Insurance Carried x Loss


Amount of Insurance that = Payment


Should be Carried


Example A Mr. Right has an 80% co-insurance clause and the following situation:


$100,000 building value


$ 80,000 insurance carried


$ 10,000 building loss


By applying the equation for determining payment for partial loss, the following amount may be collected:


$80,000 x $10,000 = $10,000


$80,000


Mr. Right recovers the full amount of his loss because he carried the coverage specified in his co-insurance clause.


Example B Mr. Wrong has an 80% co-insurance clause and the following situation:


$100,000 building value


$ 70,000 insurance carried


$ 10,000 building loss


By applying the equation for determining payment for partial loss, the following amount may be collected:


$70,000 x $10,000 = $8,750


$80,000


Mr. Wrong's loss of $10,000 is greater than the company's limit of liability under his co-insurance clause. Therefore, Mr. Wrong becomes a self-insurer for the balance of the loss-- $1,250.


PREMIUM - The amount of money paid by an insured to an insurer for insurance coverage.


DEDUCTIBLE - The first dollar amount of a loss for which the insured is responsible before benefits are paid by the insurer; similar to a self-insured retention (SIR). The insurer's liability begins when the deductible is exhausted.


SELF INSURED RETENTION - Acts the same way as a deductible but the insured is responsible for all legal fees incurred in relation to the amount of the SIR.


POLICY LIMIT - The maximum monetary amount an insurance company is responsible for to the insured under its policy of insurance.


FIRST PARTY INSURANCE - Insurance that applies to coverage for an insureds own property or a person. Traditionally it covers damage to insureds property from whatever causes are covered in the policy. It is property insurance coverage. An example of first party insurance is BUILDERS RISK INSURANCE which is insurance against loss to the rigs or vessels in the course of their construction. It only involves the insurance company and the owner of the rig and/or the contractor who has a financial interest in the rig.


THIRD PARTY INSURANCE - Liability insurance covering the negligent acts of the insured against claims from a third party (i.e., not the insured or the insurance company - a third party to the insurance policy). An example of this insurance would be SHIP REPAIRER'S LEGAL LIABILITY (SRLL) - provides protection for contractors repairing or altering a customer's vessel at their shipyard, other locations or at sea; also covers the insured while the customer's property is under the "Care, Custody and Control" of the insured. A Commercial General Liability policy is needed for other coverages, such as slip-and-fall situations.


INSURABLE INTEREST - Any interest in something that is the subject of an insurance policy or any legal relationship to that subject that will trigger a certain event causing monetary loss to the insured. Example of insurable interest - ownership of a piece of property or an interest in that piece of property, e.g., a shipyard constructing a rig or vessel. (See BUILDERS RISK above)


LIABILITY INSURANCE - Insurance coverage that protects an insured against claims made by third parties for damage to their property or person. These losses usually come about as a result of negligence of the insured. In marine construction this policy is referred to an MGL, marine general liability policy. In non marine circumstances the policy is referred to as a CGL, commercial general liability policy. Insurance policies can be divided into two broad categories:


First party insurance covers the property of the person who purchases the insurance policy. For example, a home owner's policy promising to pay for fire damage to the home owner's home is a first party policy. Liability insurance, sometimes called third party insurance, covers the policy holder's liability to other people. For example, a homeowners' policy might cover liability if someone trips and falls on the home owner's property. Sometimes one policy, such as in these examples, may have both first and third party coverage.
Liability insurance provides two separate benefits. First, the policy will cover the damage incurred by the third party. Sometimes this is called providing "indemnity" for the loss. Second, most liability policies provide a duty to defend. The duty to defend requires the insurance company to pay for lawyers, expert witnesses, and court costs to defend the third party's claim. These costs can sometimes be substantial and should not be ignored when facing a liability claim.


UMBRELLA LIABILITY COVERAGE - This type of liability insurance provides excess liability protection. Your business needs this coverage for the following three reasons:
It provides excess coverage over the "underlying" liability insurance you carry.
It provides coverage for all other liability exposures, excepting a few specifically excluded exposures. This subject to a large deductible of about $10,000 to $25,000.
It provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss.


NEGLIGENCE - The failure to use reasonable care. The doing of something which a reasonably prudent person would not do, or the failure to do something which a reasonably prudent person would do under like circumstances. Negligence is a 'legal cause' of damage if it directly and in natural and continuous sequence produces or contributes substantially to producing such damage, so it can reasonably be said that if not for the negligence, the loss, injury or damage would not have occurred.
GROSS NEGLIGENCE - A carelessness and reckless disregard for the safety or lives of others, which is so great it appears to be almost a conscious violation of other people's rights to safety. It is more than simple negligence, but it is just short of being willful misconduct. If gross negligence is found by the trier of fact (judge or jury), it can result in the award of punitive damages on top of general and special damages, in certain jurisdictions.


WILLFUL MISCONDUCT - An intentional action with knowledge of its potential to cause serious injury or with a reckless disregard for the consequences of such act.


PRODUCT LIABILITY - Liability which results when a product is negligently manufactured and sent into the stream of commence. A liability that arises from the failure of a manufacturer to properly manufacture, test or warn about a manufactured object.


MANUFACTURING DEFECTS - When the product departs from its intended design, even if all possible care was exercised.


DESIGN DEFECTS - When the foreseeable risks of harm posed by the product could have been reduced or avoided by the adoption of a reasonable alternative design, and failure to use the alternative design renders the product not reasonably safe.


INADEQUATE INSTRUCTIONS OR WARNINGS DEFECTS - When the foreseeable risks of harm posed by the product could have been reduced or avoided by reasonable instructions or warnings, and their omission renders the product not reasonably safe.


PROFESSIONAL LIABILITY INSURANCE - Liability insurance to indemnify professionals, (doctors, lawyers, architects, engineers, etc.,) for loss or expense which the insured professional shall become legally obliged to pay as damages arising out of any professional negligent act, error or omission in rendering or failing to render professional services by the insured. Same as malpractice insurance.


Professional Liability has expanded over the years to include those occupations in which special knowledge, skills and close client relationships are paramount. More and more occupations are considered professional occupations, as the trend in business continues to grow from a manufacturing-based economy to a service-oriented economy. Coupled with the litigious nature of our society, the companies and staff in the service economy are subject to greater exposure to malpractice claims than ever before.


ERRORS AND OMISSIONS - Same as malpractice or professional liability insurance.


HOLD HARMLESS AGREEMENT - A contractual arrangement whereby one party assumes the liability inherent in the situation, thereby relieving the other party of responsibility. For example, a lease of premises may provide that the lessee must "hold harmless" the lessor for any liability from accidents arising out of the premises.


INDEMNIFY - To restore the victim of a loss, in whole or in part, by payment, repair, or replacement.


INDEMNITY AGREEMENTS - Contract clauses that identify who is to be responsible if liabilities arise and often transfer one party's liability for his or her wrongful acts to the other party.


WARRANTY - An agreement between a buyer and a seller of goods or services detailing the conditions under which the seller will make repairs or fix problems without cost to the buyer.


Warranties can be either expressed or implied. An EXPRESS WARRANTY is a guarantee made by the seller of the goods which expressly states one of the conditions attached to the sale e.g.,"This item is guaranteed against defects in construction for one year".


An IMPLIED WARRANTY is usual in common law jurisdictions and attached to the sale of goods by operation of law made on behalf of the manufacturer. These warranties are not usually in writing. Common implied warranties are a warranty of fitness for use (implied by law that if a seller knows the particular purpose for which the item is purchased certain guarantees are implied) and a warranty of merchantability (a warranty implied by law that the goods are reasonably fit for the general purpose for which they are sold).


DAMAGES OR LOSS - The monetary consequence which results from injury to a thing or a person.


CONSEQUENTIAL DAMAGES - As opposed to direct loss or damage -- is indirect loss or damage resulting from loss or damage caused by a covered peril, such as fire or windstorm. In the case of loss caused where windstorm is a covered peril, if a tree is blown down and cuts electricity used to power a freezer and the food in the freezer spoils, if the insurance policy extends coverage for consequential loss or damage then the food spoilage would be a covered loss. Business Interruption insurance, extends consequential loss or damage coverage for such items as extra expenses, rental value, profits and commissions, etc.


LIQUIDATED DAMAGES - Are a payment agreed to by the parties of a contract to satisfy portions of the agreement which were not performed. In some cases liquidated damages may be the forfeiture of a deposit or a down payment, or liquidated damages may be a percentage of the value of the contract, based on the percentage of work uncompleted. Liquidated damages are often paid in lieu of a lawsuit, although court action may be required in many cases where liquidated damages are sought. Liquidated damages, as opposed to a penalty, are sometimes paid when there is uncertainty as to the actual monetary loss involved. The payment of liquidated damages relieves the party in breech of a contract of the obligation to perform the balance of the contract.


SUBROGATION - "To stand in the place of" Usually found in property policies (first party) when an insurance company pays a loss to an insured or damaged to the insureds property, the insurer stands in the shoes of the insured and may pursue any third party who might be responsible for the loss. For example, if a defective component is sold to a manufacturer to be used in his product and that product is damaged due to the defective component. The insurance company who pays the loss to the manufacturer of the product may sue the manufacturer of the defective component.


Subrogation has a number of sub-principles namely:


The insurer cannot be subrogated to the insureds right of action until it has paid the insured and made good the loss.
The insurer can be subrogated only to actions which the insured would have brought himself.
The insured must not prejudice the insurer's right of subrogation. Thus, the insured may not compromise or renounce any right of action he has against the third party if by doing so he could diminish the insurer's right of recovery.
Subrogation against the insurer. Just as the insured cannot profit from his loss the insurer may not make a profit from the subrogation rights. The insurer is only entitled to recover the exact amount they paid as indemnity, and nothing more. If they recover more, the balance should be given to the insured.
Subrogation gives the insurer the right of salvage.
In its history of providing insurance services to its clients for over thirty years, Nausch Hogan & Murray has provided coverage for all areas of liability - both on land and at sea.


Over the years Nausch Hogan & Murray has found it helpful to draft a glossary of useful insurance terms that come up time and again in discussions with an insured concerning their coverage needs. We hope these help you as well.


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Low Priced Hotels Near London Make Your Trip Enjoyable

London is one of the most important business centres and thus finding a quality hotel here at affordable rates is like finding a needle in haystack. The hotels that are situated in the heart of the city demand exorbitant prices and those which are affordable, offer very poor quality services and other facilities. So, instead of finding a lodging place at the heart of the city, you can book rooms in hotels near London. In this way, you will save much money and at the same time enjoy the ambience of London life.


Booking hotels near London does not mean you have to be far away from the city and miss all the fun. You will have your own quota of fun and entertainment. You can enjoy the view of the famous Thames River from any of the ultramodern suites. These hotels give you an opportunity to explore the different cultural sites of Greater London. With easy accessibility of underground tube stations, you can travel to the city centre and have a fabulous time at the shopping stores on Oxford Street and Soho. Staying in these hotels near London means you can enjoy a lot of facilities and amenities at very reasonable rates. The well furnished and contemporary styled suites in these hotels give you complimentary tea/coffee facilities, king sized bed, free internet connection, personal laptop sized safes, complimentary toiletries and so on. Even the bathrooms are attached with the suites and have state-of-the-art showers and other fixtures. You can even get bathroom slippers and bathrobes. These hotels also offer you to enjoy manifold amenities like the swimming pool, spa, beauty parlour and salon, gymnasium, bar, in-house restaurant and so on. If you are on a business purpose, you can conduct board meetings in their spacious conference rooms, which have free internet facility as well.


These hotels near London are just a stone's throw away from all the major tourist and business attractions. As these are well commuted by roads and tubes, you will not face any problem going to the Buckingham Palace, London Museum, the Big Ben, London Hyde Park and such other places. If you are a shopaholic, you can enjoy yourself in the streets of Westminster and spend your time in the various departmental stores, electronic shops and fashion stores. You can also visit the popular stores like Marks & Spencer, Nike, House of Fraser, Topshop, New Look, Zara and Gap.


Instead of going to a travel agent and spending a lot of money on his commission, you can book rooms through online websites. You will find many hotels near London have websites of their own. You need to log onto those websites and do reservation through online payment method. You can also take advantage of deals and discounts sometimes offered by these hotels. Before making room reservation you can also go through the feedbacks and reviews given by previous travellers and make your choice accordingly.


If you are interested to enjoy an enjoyable stay in of the best hotels near London, log onto http://www.themontcalmlondoncity.co.uk. This hotel will surely make your trip a memorable one.


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Hotels in London Put You In the Heart of It All

London is a very exciting city with a lot to offer. Many hotels in London will put you close to the most interesting places and things to do. The Ambassador South Kensington in South Kensington is within walking distance of London's finest museums, The Science Museum, Victoria and Albert Museum, and the Natural History Museum. All three museums face each other and each one will take a full day to thoroughly explore all it has to offer. To the north of the museums is Imperial College London.


Just past that is the Royal Albert Hall. This is the main concert hall of London. The Science Museum has 300,000 exhibits on the history of western science, technology, and medicine. Kids will enjoy the hands on workshops they offer. Victoria and Albert Museum is dedicated to the decorative arts from around the world, both ancient and modern. As a complete opposite The British Galleries houses furniture, sculpture, and ceramics that show the history of British design from 1500 to now.


The Natural History Museum was built between 1873 and 1881 to look like a palace. It is home to a collection of fossil and living plants, animals, and minerals. Very popular is the Dinosaur exhibit with a life size robotic dinosaur. The full scale whale exhibit is also a favourite among visitors. This hotel is also close to Hyde Park and Kensington Gardens. Hyde Park is one of the largest parks in London with 142 hectares (350 acres). Kensington Gardens is separated by a lake from Hyde Park called The Serpentine. This is a great place for swimming in the summer and row boat rentals.


Another one of the hotels in London that is close to everything is Norfolk Towers Paddington Hotel by Paddington Station. Paddington Station is a major railway and underground station that will connect you to all the best destinations. It houses The Heathrow Express. Its an express that takes you directly to and from Heathrow Airport. It is also close to many shops and restaurants. Paddington Bear was said to have arrived here when he first came to London. Paddington Bear gifts can be found at Paddington Station.


The Berjaya Eden Park Hotel in Bayswater is close by Oxford Street. This is one of the major thoroughfares of Westminster. It is a huge shopping area with 548 shops. It is considered to be London's main shopping district. All the major department stores have their flagship store on Oxford Street. It is also a common place to see preachers, political demonstrations, and Hare Kirshnas. At Christmas time Oxford Street is decorated in festive lights.


London is a great place to visit with nice places to stay close to everything.


Roo Sadegi is an online travel writer who spends much of his time travelling around Europe's travel hotspots.






Article Source: http://EzineArticles.com/6097636

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Finding cheap online auto insurance

Automobile car insurance is something that we all need and should command careful consideration. When in the market for auto insurance coverage, and with so many car insurance companies to choose from, it can be a bit confusing when trying to decide on the best and most affordable coverage for your vehicle. With the convenience of the internet, finding all the information required to get the best deals and rates can easily be accomplished online. 


Finding a reputable auto car insurance company is a job within itself, and like buying a home, it is imperative you clearly understand what you are getting.  When in search of cheaper car insurance rates you should take into account all the factors that can affect your car insurance premiums. So before you sign on the dotted line, read the fine print of Automobile Insurance Policy to insure you are getting the necessary coverage to protect yourself.  It happens time and time again, when the car owner gets into an accident or fender bender, the coverage they thought they were paying for is not part of their policy which can lead to out-of-pocket expenses. 


Get several car insurance quotes


Some key factors when shopping for cheap car insurance is to first make sure you get at least three or four quotes since the price you pay for your car insurance can vary by hundreds of dollars. Finding cheaper insurance rates depends on your previous driving records, to include any type of infraction such as speeding, seat belt and auto accidents. Age, gender and the type of car you are seeking auto insurance coverage on including the age of the vehicle, will clearly be critical factors in determining your annual car premiums.


It is equally important to find a car insurance company that can answer any questions you may have and how quickly they handle claims fairly and efficiently. Once you decide on a quote you are satisfied with, before agreeing to anything check with your state insurance department about the company’s history. Finding out the financial well-being of an insurable institution and the number ratio of consumer complaints, could avoid headaches or any future regrets.  


Learn the facts about car insurance


Some other ways of saving money is to ask your insurance broker or agent for a higher deductible. The deductive is the amount of money you pay before the insurance company pays out on your claim. The purpose of requesting a higher deductible can lower your auto rates substantially.  When you increase the deductible from $500 to $1,000 you can potentially save you over 40% on your car insurance rates simply because the insurance company will pay out less for your claim. However, if you know that you can not pay out the higher deductible should something happen to your car in the instance of an accident, and then it is best to remain at a lower deductible.


When figuring out the appropriate insurance coverage for your car, take into account the age of the car. This could also influence your auto premium, for example you may want to consider excluding the collision or comprehensive coverage on an older car. It is not cost saving to yourself when you continue to pay full coverage on a car worth less than amount you pay for your insurance coverage.  If the car has a market value of $2,000 or less, you would not want to pay more in premiums since you will never get back what you are paying out. 


You can easily find out the current market value of your car in order to find out what coverage you will require from a number of valued sources such as banks, auto dealerships, or go online and use the search term, “finding the value of your vehicle”. You can find several reputable services such as, www.kbb.com or www.nadaguides.com where all you have to do is type in the applicable information about your car and instantly you will have the market value. As the saying goes, an educated consumer is a smart consumer, the more you understand prior to purchasing auto insurance, you will be able to make an informed and valued decision. 


Written on behalf of http://www.insurancequote4you.com/ your premium source for finding the best online car insurance rates.

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Worst Case Scenario: Will Your Home Buildings Insurance Cover You?

Nobody likes to consider the ramifications of a worst case scenario, least of all the financial consequence. However, did you know that if a major storm (of the likes we experienced in the UK in the late 1980s) struck the UK today, almost one-half of all homes in the UK would have inadequate home buildings insurance to cover the cost of repairs!

Valuation of your home buildings insurance – is it being done correctly?


Before you consider the value of your home, ask yourself a quick couple of questions:
- what is the principal reason why you have home buildings insurance?
- who assess the value of your home buildings insurance?


In most cases, the answer to the first question is you need to have home buildings insurance because it is a requirement under your mortgage agreement.  The answer to your second question is also likely to be your home mortgage provider, because they feel they know the value of your home better than you do.  So, what’s the problem?  Well, the problem is, each year your home mortgage is going down, but hopefully the value of your home is going up.  As your insurance is principally to cover your outstanding mortgage, a disparity - between the value of your home and the outstanding mortgage amount - will rapidly arise. Therefore, it is vital that you keep control of valuing your home for home buildings insurance purposes and always ensure that the insurance relates to the actual value of your home, not the outstanding mortgage amount.


Improvements to your home – are they being included?


Likely as not, over time you are going to do some building work to your home.  Maybe you’ll add an extension.  Put in a greenhouse.  Add a conservatory.  Etc.  The question is – are all of these add-ons being included in the additional value they bring to your home, or are you only continuing to insure the main part of the home that was part of the original policy?


Increased costs – have you factored these in?


Nearly every insurance policy comes with an excess amount.  Essentially what this means is that you have to pay a threshold amount before you can claim against the insurance company.  Fine, let’s take an example: say you bought your home in 1980 and set the threshold amount at £500.  Would you get more or less in materials and labour today if you were still maintaining an excess sum of £500?  Answer, far less and you’d be claiming on your insurance far sooner, which in turn means your premiums are likely to be higher.


As you can see then, home buildings insurance is not as simple as guessing what you think the value of your home is.  It takes certain precision and year-on-year upkeep if you want to make sure you’ll be sufficiently insured should the unfortunate worst case scenario occur.

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Skin Cancer Risk Factors and Prevention

Skin cancer is the most commonly diagnosed cancer for both women and men. The number of confirmed cases has steadily increased over the past few decades. Knowing your risk factors, how to identify the early stages of this disease and how to protect yourself from skin cancer is essential for early detection and effective treatment.


There are two types of skin cancer: melanomas and keratinocyte cancers. Melanomas are less common yet more serious than other types of skin cancer. It is important that you locate and receive treatment for all types of this cancer to prevent the spread into surrounding tissues.


A major risk factor for skin cancer is exposure to ultraviolet (UV) rays from sunlight or tanning beds. UV rays can penetrate the skin even when it is cloudy, cool or hazy outside. There are some things you can do to limit your sun exposure. Many physicians recommend daily use of sunscreen. You should seek shade when spending time outdoors and try to avoid activities outside when the sun's rays are strongest, usually between 10am and 4 pm. Hats, sunglasses and protective clothing protect your skin from UV exposure. Stay away from indoor tanning beds as they have been linked to melanoma and squamous cell skin cancers.


Individuals with fair skin that freckles and burns easily are at a higher risk for this type of cancer than those individuals with darker skin. This is because pigment or melanin in your skin provides protection from UV radiation. If you have light-colored eyes and blond or red hair, you may be at a higher risk as well. According to the Mayo Clinic, some other risk factors include:


Personal or family history of skin cancer
Excessive sun exposure
History of sunburns
Moles
Weakened immune system
Increasing age
No matter what your risk factors, it is important that you examine your skin each month. Many skin cancers are highly treatable with early diagnosis. Look for any changes in moles or unusual areas on your skin. Schedule an appointment with a dermatologist for a thorough skin exam each year. These check-ups are the best way to make sure that your skin remains healthy.


If you or the dermatologist finds a spot on your skin that causes concern, he may take a biopsy of the area. If the lab finds cancerous or pre-cancerous cells, more tests may be needed to determine the stage, type and extent of the cancer. Once the cancer is staged, the physician will determine which treatment options will be most effective. Most skin cancers are highly treatable if found early. Follow up exams and tests will be needed to ensure that the cancer does not reoccur.


While there is no way to avoid UV exposure completely, taking a few precautions can make a big difference in the overall health of your skin. Be vigilant about your skin checks and contact your physician with any concerns. With a little bit of prevention and routine checks, you may be able to lower your risk for developing any form of skin cancer.


Laura Mims is a writer for FirstHealth Moore Regional Hospital in Pinehurst, North Carolina, which specializes in oncology, cancer care and cancer treatment for most types of cancer, including skin cancer






Article Source: http://EzineArticles.com/6838870

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How Ordinary Moles Can Turn Cancerous

Summary

By definition, a mole is a lesion found on or under a person's skin. The skin mole has nevus cells. Moles are typically acquired during the early stages of an individual's life, sometimes vanishing during the middle age.

The average person may have somewhere between 10 and 40 moles. The most common kind of moles are moles that occur above the surface of the skin, flat moles, and skin tags. Skin moles that lie in the dermis are embedded in the skin and those that on or covered by the epidermis rest on the skin's outer layer. They're usually benign and range in size, color, texture, and may occur at any part of the body. Although most skin moles are oval and not larger than a pea or raisin. However, some of them may resemble malignant skin lesions since they show a different color with an amorphous shape.

What is melanoma?

Some moles are melanomas which are harmful tumors that are a type of skin cancer. Although it's less common than other kinds of skin cancer, it's considered the deadliest form. Diagnosis is more prevalent in women that live in warm climates, as excessive exposure to the sun is one of the top causes of melanoma. Fair-skinned people with light-colored hair and eyes are also more at risk. This is such because the skin is less resistant towards the grueling and harsh rays of the sun which may or may not contain ultraviolet light, which further increases the chances of developing melanoma.

What are causes of cancerous moles?

While ultraviolet (UV) light exposure is usually the culprit of the most typical cause of cancerous moles, there's also other ways to become afflicted with melanoma. Tanning beds are another common cause, as well as extreme exposure to x-rays. Additionally, those who have impaired immune systems from taking various medications at once are more susceptible to fall victim to melanoma. Frequent contact with chemicals in oil, soot, and tar are contributors as well.

How are cancerous moles diagnosed?

Dermatologists are skin specialists that are most likely to detect melanoma. They may run diagnostic tests if they see symptoms, such as darkish blue coloring and irregular shaped moles, on the skin. Most indications are easy to spot with the naked eye, and it's important to act on clues early to prevent metastasis or the spread of cancer to other organs.

What treatments are available for cancerous moles?

There's several forms of treatment for cancerous moles that are often performed by nuclear medicine technologists or plastic surgeons. Many people choose to undergo cosmetic surgery to have their mole(s) removed. Some endure chemo and/or immunotherapy while radiation therapy may work better for others.

Article Source: http://EzineArticles.com/6729264

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Protect Yourself From the Sun, Not Your Sunscreen

Check your sunscreen label. If the active ingredients include one or more of the chemicals listed in this article, you need to look into a mineral based alternative.

In 1927, 12,745 physicians endorsed smoking Lucky Strike® cigarettes as a healthful activity; by 1999 smoking-related illness had become the number one cause of death in United States. Similarly, the rate of melanoma, the deadliest form of skin cancer, has been on the rise since the first sunscreen arrived on the market in the late 1960's. Worldwide, the greatest rise in melanoma has been experienced in countries where chemical based sunscreens have been heavily promoted.

While it is important to protect your skin from the sun's ultraviolet (UV) radiation, it may be just as important to protect yourself from the chemicals used in most sunscreens. Chemical-based sunscreens include ingredients that absorb UV radiation from the sun. These chemicals get into the skin and absorb UV radiation which leads to free radical release. Free radicals can damage cells and are believed to accelerate the progression of cancer, cardiovascular disease, and aging.

Health-related U.S. government agencies including the National Institutes of Health (NIH), Environmental Protection Agency (EPA), Centers for Disease Control and prevention (CDC), and Food and Drug Administration (FDA) all have important information about potential dangers of these chemicals.

The good news is avoiding chemical-based sunscreens may be easier than you think. Below is a list of some potentially dangerous sunscreen chemicals.

Oxybenzone Oxybenzone is a chemical that can be absorbed by the body and mimic or block hormones thereby disrupting their normal functions. Oxybenzone was found in 96.8% of human urine samples analyzed as part of the National Health and Nutrition Examination Survey conducted by the Centers for Disease Control and Prevention in 2008. The same study found a lower birth weight in baby girls whose mothers were exposed to Oxybenzone during pregnancy.

Oxybenzone is a photo-carcinogen, a chemical that can potentially cause cancer when exposed to light. Known as a powerful free radical generator, oxybenzone is used to destabilize chemicals in a number of industrial processes. In addition Oxybenzone has been known to trigger photo-allergic reactions. These allergic reactions are caused by exposure to UV radiation.

The Environmental Working Group (EWG), an organization that specializes in environmental research and advocacy, identified nearly 600 sunscreens sold in the U.S. that contain Oxybenzone, including leading brand names like Hawaiian Tropic, Coppertone, and Banana Boat, and many facial moisturizers as well.

Avobenzone Similar to Oxybenzone, Avobenzone is a chemical that absorbs UV radiation and is easily absorbed through the skin, potentially releasing free radicals. Avobenzone has been shown to degrade significantly in light, resulting in less UV protection over time.

Octocrylene According to recent studies, Octocrylene, causes bleaching in the algae that lives on coral, often killing the entire structure. The UN World Trade Organization estimates 78 million tourists visit coral reefs each year, releasing between 4,000 to 6,000 tons of sunscreen into the water. Several marine reserves in Mexico have banned sunscreens that use oils and chemical ingredients.

Octinoxate

The little amount of data on Octinoxate noted estrogenic effects as well as disruption of the thyroid hormone and brain signaling. Estrogenic effects can potentially increase cancers, cause birth defects in children, and cause fertility and other developmental problems.

Homosalate

Homosalate is a penetration enhancer that may promote the absorption of other harmful chemicals. Very little data exist on the effects of homosalate exposure, but preliminary data has found it to be a possible carcinogen.

Octisalate

Alone, octisalate may not be harmful. However, similar to homosalate, octisalate is a penetration enhancer and may promote the penetration of other harmful chemicals.

Solution

Although these reports are alarming, safer sunscreens do exist. Most physicians continue to support the use of sunscreen, but now advocate using physical barrier sunscreens instead of chemical based sunscreens. Rather than absorbing into the skin, a physical barrier sunscreen reflects or scatters UV radiation. It's like wearing millions of tiny mirrors. Most physical barrier sunscreens contain either zinc oxide and/or titanium dioxide. Click on any of the sunscreen ads located in this blog to purchase a safe and healthy sunscreen.

Article Source: http://EzineArticles.com/6803427

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