Me Fal Beni Affet

Me Fal Beni Affet
Episodi Me i Ri

Monday, April 11, 2016

O Sa Mire 79 - Ejashiko Episodi 79 - Pjesa 79 - Tv Seriale

O Sa Mire 79 Ejashiko  o sa mire episodi 79

 O Sa Mire Episodi 79

O Sa Mire Episodi 79 Ejashiko Pjesa 79 Mund ta shikoni ketu me daten 11.04 2016 Ora 22:30 Qendroni me ne....





____________________________________________________________________________

Discover how to go about choosing a web hosting provider in ways that 99.5% of the advice on the Internet never mention.

If you struggle with finding good web hosting then using the process I describe could be the answer to one of the biggest problems you can face as a webmaster.

But first I’d like to give you an idea on the scale of the problem in choosing a good web hosting provider. A search on Google for the exact phrase ” web hosting ” returns over 32 Million results and ” web hosting provider ” or ” web hosting company ” produces around 800,000 results.

An IP survey in 2003 found over 40 million web hosts.

Whether you want to believe Google’s 32 Million web hosts or Netcraft’s 40 Million, it gives some indication of just how many web hosting provider ‘s there are to choose from.

Google has over 7,800 sites offering advice on ” How to choose a web host. “

But to be frank a lot of advice on the Internet is from sites promoting web hosting provider ‘s and resellers, which means it’s not without bias.

If you think ” web hosting review sites ” are a good source of advice, try choosing one from over 6,000 listed by Google. Consider also that many are affiliated to the web hosts they recommend. This can mean not only do they get a sign-up commission, but a regular monthly fee for as long as a customer remains with the web host.

Much of the advice about choosing a web hosting provider talks about how much disk space or bandwidth you need, what type of server to use, or the features you should look for.

It’s important stuff but it doesn’t help in choosing a good web hosting provider.

I say this because disk space and bandwidth are today largely a non-issue, since most web hosting provider’s are competing to offer so much of it, you’d need to have a website the size of CNN’s to use it all.

As for the features offered by web hosts, there’s often little to choose between them, they all generally offer enough of the basics for most websites. If you’re looking for enhanced features like a website builder, adding a shopping cart, taking secure payments or promoting your website then these additional features might influence your choice.

But as a web hosting provider, you still don’t know if they’re any good.

At this point some of you may be thinking you’d read the other customers testimonials, or go to some of the website forums to see what other people have experienced with this host, or post a question to ask for advice.

Well again a word of caution, many forums are also the hangouts for people selling web hosting, so they frequently post replies or offer advice acting like the ordinary Joe. This means the advice can be biased toward or against a particular web hosting provider. One forum you could try that’s dedicated to issues with web hosting is Web Hosting Talk

Oh! Let’s not forget ” Testimonials. ” When was the last time you saw a customer testimonial on the sellers web site that said anything bad about the service or product they provide ?
I have only ever seen it once in the past 5 years and then not for a web hosting provider.

I’ve had web sites hosted with dozens of web hosting provider ‘s and made 100’s of inquiries to other web hosting companies that I never even got close to the point of signing up with. I’ve moved some websites two or three times in less than two weeks because a web hosting provider is unable or unwilling to solve problems, or whose server configuration is unable to support the scripts my site needed.

It was after many years of suffering bad web hosts, I finally decided to work out a process that gave me a better chance of finding a good web hosting provider.

It’s a bit like taking out insurance, you don’t know what the insurance company is like until you need to make a claim. As a matter of interest I did an exact search for insurance against bad web hosting and there were no results.

Obviously no one is providing insurance against bad web hosting, which must mean it’s too much of a risk.

I don’t even consider my sites to require anything special or more than any other typical business website. Yet despite all my experience, finding a good web hosting provider is still one of the most difficult website challenges.

Choosing a Web Hosting Provider from 40 Million Other Web Hosts – Pt2

Of course no process is full-proof and it does not mean that the web hosting you find through the search engine filtering and techniques I suggest are the only web hosts capable of providing the services you’re looking for.

You should also not assume because your Google Advanced Search was for web hosting provider ‘s with selected features that the sites you are reviewing are guaranteed to have those features.

Check every site on your short list, since search engine’s are far from perfect.

What it does mean is that by using my suggested techniques you are selecting those web hosts who considered things like support, sufficiently important to want to be found for them on Google. Other web hosts may have good support, but the difference is that in your search you did not find them listed for this term.

It could mean support’s not that important to them, even though they provide it.

It’s also worth mentioning that the price of web hosting is not an indicator of the quality of the service. Some lower cost web hosting provider ‘s can give a far better service than some medium cost ones.

Conclusions

Using a six stage process I was able to choose from 40 million web hosting provider ‘s, a short list of 15 web hosts that met my selection criteria. With a further six stage process I was able to reduce the number of possible web hosting provider ‘s down to a choice of 2.

In the final stage the web hosting provider ‘s were both asked a number of general and technical questions that resulted in the final choice. Whilst the process is not full-proof I am yet to find a better devised way of choosing a good web hosting provider.

Sunday, April 3, 2016

O Sa Mire 78 Ejashiko O Sa Mire Episodi 78

O Sa Mire Episodi 78 Ejashiko O Sa Mire 78  Cdo episod te ri mund ta gjeni vetem tek ne....


 O Sa Mire 78
Discover how to go about choosing a web hosting provider in ways that 99.5% of the advice on the Internet never mention.
If you struggle with finding good web hosting then using the process I describe could be the answer to one of the biggest problems you can face as a webmaster.
But first I’d like to give you an idea on the scale of the problem in choosing a good web hosting provider. A search on Google for the exact phrase ” web hosting ” returns over 32 Million results and ” web hosting provider ” or ” web hosting company ” produces around 800,000 results.
An IP survey in 2003 found over 40 million web hosts.
Whether you want to believe Google’s 32 Million web hosts or Netcraft’s 40 Million, it gives some indication of just how many web hosting provider ‘s there are to choose from.
Google has over 7,800 sites offering advice on ” How to choose a web host. “
But to be frank a lot of advice on the Internet is from sites promoting web hosting provider ‘s and resellers, which means it’s not without bias.
If you think ” web hosting review sites ” are a good source of advice, try choosing one from over 6,000 listed by Google. Consider also that many are affiliated to the web hosts they recommend. This can mean not only do they get a sign-up commission, but a regular monthly fee for as long as a customer remains with the web host.
Much of the advice about choosing a web hosting provider talks about how much disk space or bandwidth you need, what type of server to use, or the features you should look for.
It’s important stuff but it doesn’t help in choosing a good web hosting provider.
I say this because disk space and bandwidth are today largely a non-issue, since most web hosting provider’s are competing to offer so much of it, you’d need to have a website the size of CNN’s to use it all.
As for the features offered by web hosts, there’s often little to choose between them, they all generally offer enough of the basics for most websites. If you’re looking for enhanced features like a website builder, adding a shopping cart, taking secure payments or promoting your website then these additional features might influence your choice.
But as a web hosting provider, you still don’t know if they’re any good.
At this point some of you may be thinking you’d read the other customers testimonials, or go to some of the website forums to see what other people have experienced with this host, or post a question to ask for advice.
Well again a word of caution, many forums are also the hangouts for people selling web hosting, so they frequently post replies or offer advice acting like the ordinary Joe. This means the advice can be biased toward or against a particular web hosting provider. One forum you could try that’s dedicated to issues with web hosting is Web Hosting Talk
Oh! Let’s not forget ” Testimonials. ” When was the last time you saw a customer testimonial on the sellers web site that said anything bad about the service or product they provide ?
I have only ever seen it once in the past 5 years and then not for a web hosting provider.
I’ve had web sites hosted with dozens of web hosting provider ‘s and made 100’s of inquiries to other web hosting companies that I never even got close to the point of signing up with. I’ve moved some websites two or three times in less than two weeks because a web hosting provider is unable or unwilling to solve problems, or whose server configuration is unable to support the scripts my site needed.
It was after many years of suffering bad web hosts, I finally decided to work out a process that gave me a better chance of finding a good web hosting provider.
It’s a bit like taking out insurance, you don’t know what the insurance company is like until you need to make a claim. As a matter of interest I did an exact search for insurance against bad web hosting and there were no results.
Obviously no one is providing insurance against bad web hosting, which must mean it’s too much of a risk.
I don’t even consider my sites to require anything special or more than any other typical business website. Yet despite all my experience, finding a good web hosting provider is still one of the most difficult website challenges.
Choosing a Web Hosting Provider from 40 Million Other Web Hosts – Pt2
Of course no process is full-proof and it does not mean that the web hosting you find through the search engine filtering and techniques I suggest are the only web hosts capable of providing the services you’re looking for.
You should also not assume because your Google Advanced Search was for web hosting provider ‘s with selected features that the sites you are reviewing are guaranteed to have those features.
Check every site on your short list, since search engine’s are far from perfect.
What it does mean is that by using my suggested techniques you are selecting those web hosts who considered things like support, sufficiently important to want to be found for them on Google. Other web hosts may have good support, but the difference is that in your search you did not find them listed for this term.
It could mean support’s not that important to them, even though they provide it.
It’s also worth mentioning that the price of web hosting is not an indicator of the quality of the service. Some lower cost web hosting provider ‘s can give a far better service than some medium cost ones.
Conclusions
Using a six stage process I was able to choose from 40 million web hosting provider ‘s, a short list of 15 web hosts that met my selection criteria. With a further six stage process I was able to reduce the number of possible web hosting provider ‘s down to a choice of 2.
In the final stage the web hosting provider ‘s were both asked a number of general and technical questions that resulted in the final choice. Whilst the process is not full-proof I am yet to find a better devised way of choosing a good web hosting provider.

Wednesday, March 16, 2016

O Sa Mire Episodi 76 Ejashiko Sezoni 5 O sa Mire

O Sa Mire Episoi 76 Ejashiko Sezoni 5 Pjesa 5 O Sa Mire


 O Sa Mire Episodi 76




Discover how to go about choosing a web hosting provider in ways that 99.5% of the advice on the Internet never mention.
If you struggle with finding good web hosting then using the process I describe could be the answer to one of the biggest problems you can face as a webmaster.
But first I’d like to give you an idea on the scale of the problem in choosing a good web hosting provider. A search on Google for the exact phrase ” web hosting ” returns over 32 Million results and ” web hosting provider ” or ” web hosting company ” produces around 800,000 results.
An IP survey in 2003 found over 40 million web hosts.
Whether you want to believe Google’s 32 Million web hosts or Netcraft’s 40 Million, it gives some indication of just how many web hosting provider ‘s there are to choose from.
Google has over 7,800 sites offering advice on ” How to choose a web host. “
But to be frank a lot of advice on the Internet is from sites promoting web hosting provider ‘s and resellers, which means it’s not without bias.
If you think ” web hosting review sites ” are a good source of advice, try choosing one from over 6,000 listed by Google. Consider also that many are affiliated to the web hosts they recommend. This can mean not only do they get a sign-up commission, but a regular monthly fee for as long as a customer remains with the web host.
Much of the advice about choosing a web hosting provider talks about how much disk space or bandwidth you need, what type of server to use, or the features you should look for.
It’s important stuff but it doesn’t help in choosing a good web hosting provider.
I say this because disk space and bandwidth are today largely a non-issue, since most web hosting provider’s are competing to offer so much of it, you’d need to have a website the size of CNN’s to use it all.
As for the features offered by web hosts, there’s often little to choose between them, they all generally offer enough of the basics for most websites. If you’re looking for enhanced features like a website builder, adding a shopping cart, taking secure payments or promoting your website then these additional features might influence your choice.
But as a web hosting provider, you still don’t know if they’re any good.
At this point some of you may be thinking you’d read the other customers testimonials, or go to some of the website forums to see what other people have experienced with this host, or post a question to ask for advice.
Well again a word of caution, many forums are also the hangouts for people selling web hosting, so they frequently post replies or offer advice acting like the ordinary Joe. This means the advice can be biased toward or against a particular web hosting provider. One forum you could try that’s dedicated to issues with web hosting is Web Hosting Talk
Oh! Let’s not forget ” Testimonials. ” When was the last time you saw a customer testimonial on the sellers web site that said anything bad about the service or product they provide ?
I have only ever seen it once in the past 5 years and then not for a web hosting provider.
I’ve had web sites hosted with dozens of web hosting provider ‘s and made 100’s of inquiries to other web hosting companies that I never even got close to the point of signing up with. I’ve moved some websites two or three times in less than two weeks because a web hosting provider is unable or unwilling to solve problems, or whose server configuration is unable to support the scripts my site needed.
It was after many years of suffering bad web hosts, I finally decided to work out a process that gave me a better chance of finding a good web hosting provider.
It’s a bit like taking out insurance, you don’t know what the insurance company is like until you need to make a claim. As a matter of interest I did an exact search for insurance against bad web hosting and there were no results.
Obviously no one is providing insurance against bad web hosting, which must mean it’s too much of a risk.
I don’t even consider my sites to require anything special or more than any other typical business website. Yet despite all my experience, finding a good web hosting provider is still one of the most difficult website challenges.
Choosing a Web Hosting Provider from 40 Million Other Web Hosts – Pt2
Of course no process is full-proof and it does not mean that the web hosting you find through the search engine filtering and techniques I suggest are the only web hosts capable of providing the services you’re looking for.
You should also not assume because your Google Advanced Search was for web hosting provider ‘s with selected features that the sites you are reviewing are guaranteed to have those features.
Check every site on your short list, since search engine’s are far from perfect.
What it does mean is that by using my suggested techniques you are selecting those web hosts who considered things like support, sufficiently important to want to be found for them on Google. Other web hosts may have good support, but the difference is that in your search you did not find them listed for this term.
It could mean support’s not that important to them, even though they provide it.
It’s also worth mentioning that the price of web hosting is not an indicator of the quality of the service. Some lower cost web hosting provider ‘s can give a far better service than some medium cost ones.
Conclusions
Using a six stage process I was able to choose from 40 million web hosting provider ‘s, a short list of 15 web hosts that met my selection criteria. With a further six stage process I was able to reduce the number of possible web hosting provider ‘s down to a choice of 2.
In the final stage the web hosting provider ‘s were both asked a number of general and technical questions that resulted in the final choice. Whilst the process is not full-proof I am yet to find a better devised way of choosing a good web hosting provider.

Friday, March 20, 2015

O Sa Mire 52

Beni LIKE faqen tone Qe te informoheni i Pari per Episodin e ri... KLIKO KETU



 O Sa Mire 52




CADILLAC WHIRLS OUT OF CONTROL & GM SUED OCTOBER 27, 2014, BY SHEFF LAW car crash.jpgClanton Fleetwood, a Cadillac owner from Tyler, Texas, was driving his 2006 Cadillac SRX at an intersection in Smith County, Fleetwood on November 20, 2013 when he lost control of his Cadillac and continued through the intersection and ended up in a ditch on the side of the road. He said that, “for unknown reasons [I] lost control of the vehicle.” Mr. Fleetwood said that he was sitting in his seat correctly and had his seat belt on securely, but he “suffered serious injuries when his vehicle failed to protect him.” Mr. Fleetwood claims that General Motors LLC is responsible for his accident and the injuries he received. He filed suit against GM on September 2, 2014 in the Tyler Division of the Eastern District in Texas. He claims that GM is negligent for allegedly manufacturing a vehicle with multiple defects, such as an insufficient lower spine protection and defective seat belt restraints. Mr. Fleetwood has claimed more than $75,000 in damages for impairment and disfigurement, extreme emotional distress, mental anguish, and pain and suffering. If you have been injured due to the negligence of others, please call one of our experienced attorneys at Sheff Law Offices, P.C. at (617) 227-7000. Permalink | Email This Post | Comments (0) Posted In: Car Accidents, Product Liability FERRY CRASHES INTO SAN FRANCISCO PIER OCTOBER 20, 2014, BY SHEFF LAW ferry.jpgOn Sunday, October 12, 2014, just before 6 p.m., the ferry boat Peralta crashed into a piling at Pier 41 in San Francisco, California. The ferry was carrying 230 passengers and heading to Oakland, California. Many of the passengers said they felt a strong jolt when the ferry hit the pylon. Many of the passengers were knocked off their feet and fell. One of the passengers, Darryl Pham, said, “I kind of saw it coming. A lot of people didn’t, and it just hit the pylon and I saw kids flying and it was pretty bad.” The injured passengers had mild to moderate injuries, mostly by hurting their necks and backs. The Coast Guard is investing and said there were no mechanical issues with the ferry, so it’s unclear why the boat backed into a fixed object. The Coast Guard had the crew tested for drugs and alcohol. Since there were no mechanical problems with the ferry, the Peralta has gone back into regular service. Continue reading “FERRY CRASHES INTO SAN FRANCISCO PIER” » Permalink | Email This Post | Comments (0) Posted In: Negligence, Transportation Accidents $300,000 AWARDED AFTER CROSSFIT INJURY OCTOBER 16, 2014, BY SHEFF LAW 4 crossfit.jpgFormer Navy information systems technician first class and All Navy wrestler, Makimbo Mimms, was awarded $300,000 in a suit against a gym offering CrossFit classes. The gym breached their duty of care to monitor participants during the workout resulting in serious and permanent injury. During the CrossFit workout, Mimms quadriceps were repeatedly taxed without rest caused him to urinate blood and his legs to swell, he said. He was hospitalized for a week and diagnosed with Rhabdomyolysis, the breakdown of muscle fibers that releases muscle fiber (myoglobin) into the bloodstream and often causes kidney damage and sometimes death. Mimms was permanently effected by his injuries, his ability to stand for long periods, run and play sports is now limited. He said he was never told to rest, stop for water or slow down. The attorney for the gym said the case is all about “personal accountability. Did he stop? No. He made a conscious decision to keep going.” While participants of any fitness program should be aware of their abilities and limitations, they are depending on the expertise of the coaches to guide them safely through the workout. A gym has a duty of care to their participants and cannot disregard safety regulation and then deny accountability for resulting injuries. The CrossFit model has come under fire for purportedly embracing the idea of pushing yourself to the point of injury. In a 2005 article in CrossFit Journal (which is not peer reviewed) CEO Greg Glassman explained that rhabdomyolysis is just evidence of the workout’s “potency”. At the time five CrossFitters had been hospitalized as a result. Glassman concluded that the victims were exposed to “too much work in too short a time.” In his view, however, this was a good thing: evidence of “the utter and complete absence of challengers to CrossFit workout performances.” There is plenty of disagreement however and safety concerns continue to be voiced. Capt. Jonathan Picker, commander of the Navy’s Center for Personal and Professional Development, warned the Navy’s top leadership in a recent e-mail, “Granted, anyone can develop a program that’s very intense, but there’s a safer way of doing this for our sailors.” Continue reading “$300,000 AWARDED AFTER CROSSFIT INJURY” » Permalink | Email This Post | Comments (0) Posted In: Negligence, Premises Liability BOUNCY HOUSE OF TERROR OCTOBER 16, 2014, BY SHEFF LAW Bouncy House.jpgTwo young boys in Nashua, New Hampshire were rushed to the hospital after the bouncy house they were playing in blew away. They were in playing in the bouncy house at Sullivan Farm when it became airborne and blew over a fence, coming to a rest 50 feet from where it had been setup. The owner of the bouncy house, Gary Bergeron, says he purchased the inflatable a day or two ago and that it was not ready to be used. He says it was only setup for cleaning and doesn’t know how the boys were able to climb in it. “It was missing spikes to go into the ground and it only had three tethers on it and it’s supposed to have four,” he said. “This was meant to be a fundraiser to help the Boy’s Club and the Salvation Army and it was just something I was just trying to help out special with.” The two year old boy was badly injured and airlifted to Tufts Medical in Boston. He was in critical condition at the hospital but he is expected to survive his injuries. The three year old boy was taken to St. Joseph’s Hospital in Nashua. Investigators continue to look into how the incident happened. “The investigation will go deeper into what really happened and how the bouncy house ended up from point A to point B,” Assistant Fire Chief Steve Palipeau said. Continue reading “BOUNCY HOUSE OF TERROR” » Permalink | Email This Post | Comments (0) Posted In: Premises Liability, Product Liability 2 INJURED AT HERB CHAMBERS BMW OF BOSTON OCTOBER 13, 2014, BY SHEFF LAW Ventilation.jpgOn October 7, 2014 at approximately 10:30 a.m., a ventilation duct collapsed in a garage at Herb Chambers BMW of Boston at 1168 Commonwealth Avenue in Brighton. The Boston Police, the Boston Fire Department, and the United States Occupational Safety and Health Administration arrived on the scene to survey the situation. The Boston Police reported that the ventilation system collapse, which was installed around 20 years ago, caused two injuries and damage to several cars in the garage. The air conditioning duct, which measures 80 to 100 feet long and made of thin metal, fell during a busy work day. The two people that were injured were an outside vender, who was taken to the hospital for minor injuries, and an employee, who was taken to the hospital as a precaution. The Herb Chambers BMW of Boston general manager, Melissa Steffy, said it was lucky that more people were not hurt by the duct. She said, “We are so lucky because the way the air conditioning was designed, it goes right through the middle of the shop, and the technicians work on the side. If you’re going to have good luck with an accident, that is good luck with an accident.”

Me Fal Pjesa 485 Episodi i 485 - Ejashiko

 Me Fal Pjesa 485


Life Insurance – Learn From an Old Agent

Life Insurance is an insurance product that pays at the death of the insured. It really should be called “Death Insurance,” but people don’t like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured.
Those economic losses take a lot of different forms, such as:
- the income stream of either “breadwinner” in a family
– the loss of services to the family of a stay-at-home-mom
– the final expenses at the death of a child
– final expenses of an individual after an illness and medical treatment
– “Keyman” coverage, which insures the owner or valuable employee of a business against the economic loss the business would suffer at their death
– estate planning insurance, where a person is insured to pay estate taxes at death
– “Buy and Sell Agreements,” in which life insurance is purchased to fund a business transaction at the untimely death of parties in the transaction
– Accidental death insurance, in which a person buys a policy that pays in case they die due to an accident
– Mortgage life insurance, in which the borrower buys a policy that pays off the mortgage at death – and many more.
Life insurance has been around for hundreds of years, and in some cases, has become a much better product. The insurance companies have been able to develop mortality tables, which are studies of statistical patterns of human death over time…usually over a lifetime of 100 years. These mortality tables are surprisingly accurate, and allow the insurance companies to closely predict how many people of any given age will die each year. From these tables and other information, the insurance companies derive the cost of the insurance policy.
The cost is customarily expressed in an annual cost per thousand of coverage. For example, if you wanted to buy $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00.
Modern medicine and better nutrition has increased the life expectancy of most people. Increased life expectancy has facilitated a sharp decrease in life insurance premiums. In many cases, the cost of insurance is only pennies per thousand.
There is really only one type of life insurance, and that is Term Insurance. That means that a person is insured for a certain period of time, or a term. All of the other life insurance products have term insurance as their main ingredient. There is no other ingredient they can use. However, the insurance companies have invented many, many other life products that tend to obscure the reasons for life insurance. They also vastly enrich the insurance companies.
Term Insurance
The most basic life insurance is an annual renewable term policy. Each year, the premium is a little higher as a person ages. The insurance companies designed a level premium policy, which stopped the annual premium increases for policyholders. The insurers basically added up all the premiums from age 0 to age 100 and then divided by 100. That means that in the early years of the policy, the policyholder pays in more money that it takes to fund the pure insurance cost, and then in later years the premium is less than the pure insurance cost.
The same level term product can be designed for terms of any length, like 5, 10, 20, 25 or 30 year terms. The method of premium averaging is much the same in each case.
But this new product caused some problems. Insurers know that the vast majority of policyholders do not keep a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance companies were delighted because they got to keep the money. But over time, they developed the concept of Cash Value.

Thursday, March 19, 2015

Me Fal Epiesodi 484

Me Fal Episodi 484

 Me Fal Episodi 484

Life Insurance – Learn From an Old Agent

 
Life Insurance is an insurance product that pays at the death of the insured. It really should be called “Death Insurance,” but people don’t like that name. But it insures the death of an individual. Actually, what is insured is the economic loss that would occur at the death of the person insured.
Those economic losses take a lot of different forms, such as:
- the income stream of either “breadwinner” in a family
– the loss of services to the family of a stay-at-home-mom
– the final expenses at the death of a child
– final expenses of an individual after an illness and medical treatment
– “Keyman” coverage, which insures the owner or valuable employee of a business against the economic loss the business would suffer at their death
– estate planning insurance, where a person is insured to pay estate taxes at death
– “Buy and Sell Agreements,” in which life insurance is purchased to fund a business transaction at the untimely death of parties in the transaction
– Accidental death insurance, in which a person buys a policy that pays in case they die due to an accident
– Mortgage life insurance, in which the borrower buys a policy that pays off the mortgage at death – and many more.
Life insurance has been around for hundreds of years, and in some cases, has become a much better product. The insurance companies have been able to develop mortality tables, which are studies of statistical patterns of human death over time…usually over a lifetime of 100 years. These mortality tables are surprisingly accurate, and allow the insurance companies to closely predict how many people of any given age will die each year. From these tables and other information, the insurance companies derive the cost of the insurance policy.
The cost is customarily expressed in an annual cost per thousand of coverage. For example, if you wanted to buy $10,000 of coverage, and the cost per thousand was $10.00, your annual premium would be $100.00.
Modern medicine and better nutrition has increased the life expectancy of most people. Increased life expectancy has facilitated a sharp decrease in life insurance premiums. In many cases, the cost of insurance is only pennies per thousand.
There is really only one type of life insurance, and that is Term Insurance. That means that a person is insured for a certain period of time, or a term. All of the other life insurance products have term insurance as their main ingredient. There is no other ingredient they can use. However, the insurance companies have invented many, many other life products that tend to obscure the reasons for life insurance. They also vastly enrich the insurance companies.
Term Insurance
The most basic life insurance is an annual renewable term policy. Each year, the premium is a little higher as a person ages. The insurance companies designed a level premium policy, which stopped the annual premium increases for policyholders. The insurers basically added up all the premiums from age 0 to age 100 and then divided by 100. That means that in the early years of the policy, the policyholder pays in more money that it takes to fund the pure insurance cost, and then in later years the premium is less than the pure insurance cost.
The same level term product can be designed for terms of any length, like 5, 10, 20, 25 or 30 year terms. The method of premium averaging is much the same in each case.
But this new product caused some problems. Insurers know that the vast majority of policyholders do not keep a policy for life. Consequently the level term policyholders were paying future premiums and then cancelling their policies. The insurance companies were delighted because they got to keep the money. But over time, they developed the concept of Cash Value.

Wednesday, June 11, 2014

me fal 285 – Seriali Me Fal (Beni Affet) pjesa 285 perkthim shqip Alsat M(epizodi i fundit)

me fal 285 – Seriali Me Fal (Beni Affet) pjesa 285 perkthim shqip Alsat M(epizodi i fundit)

 Me Fal Pjesa 285


Alsat-M, beni affet, EjaShiko, Epizodi 285, me fal, me fal 285, me fal 285 shqip, me fal aslat m 285, me fal epizodi 285, me fal epizodi 285 alsat m, me fal epizodi fundit, me fal epizodi me i ri, Me fal pj 285, me fal pj 285 (epizodi i fundit), me fal pj 285 – Seriali Me Fal (Beni Affet) pjesa 285 perkthim shqip Alsat M(epizodi i fundit), me fal pjesa 285, Me Fal – beni affet, Perkthim Shqip, perkthim shqip Alsat M(epizodi i fundit), pjesa 285, Seriali Me Fal, Seriali Me Fal (Beni Affet) pjesa 285, telenovela me fal 285

Tuesday, June 3, 2014

me fal 280 – Seriali Me Fal (Beni Affet) pjesa 280 perkthim shqip Alsat M(epizodi i fundit)

Me Fal Pjesa 280 Epizodi me i ri Do te publikohet me 4.6.2014 Ora 19:30 Beni Like Faqes Ton ne Facebook qe te informoheni me shpejt per Cdo serial te ri…

 Me Fal 280

(epizodi i fundit), Alsat-M, beni affet, Eja Shiko, Epizodi 280, me fal 280, me fal 280 shqip, me fal aslat m 280, me fal epizodi 280, me fal epizodi 280 alsat m, me fal epizodi fundit, me fal epizodi me i ri, Me fal pj 280, me fal pj 280 – Seriali Me Fal (Beni Affet) pjesa 280 perkthim shqip Alsat M(epizodi i fundit), me fal pjesa 280, Me Fal – beni affet, Perkthim Shqip, perkthim shqip Alsat M(epizodi i fundit), pjesa 280, Seriali Me Fal, Seriali Me Fal (Beni Affet) pjesa 280, telenovela me fal 280

Monday, June 2, 2014

me fal 279 – Seriali Me Fal (Beni Affet) pjesa 279 perkthim shqip Alsat M(epizodi i fundit)

me fal 279 – Seriali Me Fal (Beni Affet) pjesa 279 perkthim shqip Alsat M(epizodi i fundit)

 Me Fal 279


 (epizodi i fundit), Alsat-M, beni affet, Eja Shiko, Epizodi 279, me fal 279, me fal 279 shqip, me fal aslat m 279, me fal epizodi 279, me fal epizodi 279 alsat m, me fal epizodi fundit, me fal epizodi me i ri, Me fal pj 279, me fal pj 279 – Seriali Me Fal (Beni Affet) pjesa 279 perkthim shqip Alsat M(epizodi i fundit), me fal pjesa 279, Me Fal – beni affet, Perkthim Shqip, perkthim shqip Alsat M(epizodi i fundit), pjesa 279, Seriali Me Fal, Seriali Me Fal (Beni Affet) pjesa 279, telenovela me fal 279

Sunday, June 1, 2014

me fal pj 278 – Seriali Me Fal (Beni Affet) pjesa 278 perkthim shqip Alsat M(epizodi i fundit)

me fal pj 278 – Seriali Me Fal (Beni Affet) pjesa 278 perkthim shqip Alsat M(epizodi i fundit)
Seriali Me Fal pjesa 278 do te publikohet ketu me 02.06.2014 ne ora 19:00 Nderkohe mund ti shikoni serialet tjera:Ejashiko.Ch Per te qene te informuar kur do te publikohet ky Serial ose tjeret mjafton qe te beni LIKE faqen tone ne facebook dhe do te njoftoheni menjeher pas xhdo publikimi: Kliko Ketu

 Me fal Pjesa 278


(epizodi i fundit), Alsat-M, beni affet, Eja Shiko, Epizodi 278, me fal 278, me fal 278 shqip, me fal aslat m 278, me fal epizodi 278, me fal epizodi 278 alsat m, me fal epizodi fundit, me fal epizodi me i ri, Me fal pj 278, me fal pj 278 – Seriali Me Fal (Beni Affet) pjesa 278 perkthim shqip Alsat M(epizodi i fundit), me fal pjesa 278, Me Fal – beni affet, Perkthim Shqip, perkthim shqip Alsat M(epizodi i fundit), pjesa 278, Seriali Me Fal, Seriali Me Fal (Beni Affet) pjesa 278, telenovela me fal 278

Thursday, May 29, 2014

me fal pj 277 – Seriali Me Fal (Beni Affet) pjesa 277 perkthim shqip Alsat M(epizodi i fundit)

me fal pj 277 – Seriali Me Fal (Beni Affet) pjesa 277 perkthim shqip Alsat M(epizodi i fundit)
Seriali Me Fal pjesa 273 do te publikohet ketu me 28.05.2014 ne ora 19:00 Nderkohe mund ti shikoni serialet tjera:Ejashiko.Ch Per te qene te informuar kur do te publikohet ky Serial ose tjeret mjafton qe te beni LIKE faqen tone ne facebook dhe do te njoftoheni menjeher pas xhdo publikimi: Kliko Ketu
 Me Fal 277


(epizodi i fundit), Alsat-M, beni affet, Eja Shiko, Epizodi 277, me fal 277, me fal 277 shqip, me fal aslat m 277, me fal epizodi 277, me fal epizodi 277 alsat m, me fal epizodi fundit, me fal epizodi me i ri, Me fal pj 277, me fal pj 277 – Seriali Me Fal (Beni Affet) pjesa 277 perkthim shqip Alsat M(epizodi i fundit), me fal pjesa 277, Me Fal – beni affet, Perkthim Shqip, perkthim shqip Alsat M(epizodi i fundit), pjesa 277, Seriali Me Fal, Seriali Me Fal (Beni Affet) pjesa 277, telenovela me fal 277