Transportation insurance

 This is the age of commerce there are many multinational industries in the world. Which produce goods for the customers in the world wide market nowadays, business firms ship billions of dollars of goods each year. These goods are exposed to damage from numerous transportation perils.

     Ocean marine insurance: when goods are transportation on sea they are covered by Ocean marine insurance. All types of Ocean going vessels and their cargo can be insured by Ocean marine insurance. In this way the liability of ship owners as well as cargo owners can be legally insured under Ocean marine insurance is one of the oldest forms of insurance Ocean marine insurance policies are incredibly complex reflecting basic marine law,trade,customs,and court interpretations of the various policy provisions.

Ocean marine insurance can be divided into four basic classes as given below:

A. Hull insurance: this insurance covers physical damage to the ship or vessel it is more like a collision insurance that covers physical damage to an automobile caused by a collision

B.cargo insurance:  cargo insurance covers the shipper of the goods if the goods are damaged or lost. The policy can be written to cover a single shipment. If regular shipments made an open cargo policy can be used that insures the goods automatically when a shipment is made.

C. protection and indemnity insurance: it provides comprehensive liability insurance for property damage or bodily injury to third parties. P&I insurance protect the ship owner for damage caused by the ship to piers, docks and harbor blueprinting, damage to the ship’s cargo. In addition it also provides indemnity for illness or injury to the passengers or crew and fines

D. freight insurance: freight insurance is designed to indemnify the ship owner for the loss of earning if the goods damage or lost

Nature of education

Nature is the essential quality or characteristics by which something is recognized. If  we try to examine the nature of education we will find that there is no single nature of education. The nature of education is quite dependent on how the people perceive it how this system functions and what the outcomes of this system are. The varied nature of education is the product of its dual meaning,i.e  narrower and wider meaning and its dual aim,i.e individual and social aims. Some people perceive education as the learning and certificate limited to an education institution and some people perceive the entire positive experiences of life as education. Some take it as a conscious process some term all the learning which is acquired directly or in directly as education. In a nutshell, education is the process of binging out potentialities of an individual 

Importance of fire insurance

The basic fire insurance policy Fire insurance covers the loss or damage to personal physics caused by fire and lighting the fire insurance policy can be added to other perils such as windstorm, hail and vandalism. With addition premium, indirect losses can also be  covered including the loss of profits and rents and the extra expenses incurred as  result of  a loss from the interruption of business.

The first scientific system of obtaining funds to compensate for fire loss was developed after the great fire of London in 1666 which devastated some 13000 building. Like other insurances, fire insurance is a trust business which provides relief to the property owners suffered from damage by fire. Even if there is not yet firing the owners can be free from tension, if the physics are insured against fire because it is the fire insurance which compensate all loss if accidental fire destroys insured physics. The must importance of fire insurance can be unsustainable, as below.

1.     Recompense: the fire insurance protects the physics against fire among insured physics any loss occurred by fire is recompensed immediately after necessary examinations.

2.     Industrial development: protecting business properties fire insurance promotes trade and industries. If damage by fire is sure to be compensated by insurer the investor can invest lots of money in the business without fear. In this way speedy industrial development becomes possible by increased investment in business sectors.

3.     Locked life: the Fire insurance is important for individual life also. One can be free of worry purchasing fire insurance policy for all his physics. Any risk of loss by fire can be transferred to insure and hence private life of people can be financially safe and sound. The  fire insurance, by which one can live happily without the mercy of others, even if most physics are destroyed by fire, because all toll are compensated by the insurance company.

4.     Social welfare: the fire insurance is more important from the nation and society point of view, too. People can live happily if their physics are insured. Even after loss from fires, people will not suffer financially. In this condition they should not be contingent upon others. At the same, theft, robbery, kill and other criminal activities are also reduced significantly.

Economic justification of life insurance

We must all die but the time of  death is uncertain. If the dread winner dies prematurely it will financially disturb the whole depended family member’s .life insurance policy that pays a stated sum to a named beneficiary and is not a contract of indemnity. The insured event is the uncertainty of the time of death.
     If the insured earns an income and others are depended on that earning capacity for at least part of financial support the purchases’ of life insurance is economically justified when the breadwinner dies prematurely without standing financial obligations and dependents to support it may result in financial insecurity for the surviving dependents. life insurance can be sued to restore the family’s share of the income of deceased. life insurance can be sued to restore the family’s share of  the income of deceased breadwinner.

The Cheapest Car Insurance

The Cheapest Car insurance is straight up required if you wish to drive a car or run the risk of a large fine or even not as good as.

The above-mentioned codes of practice are appropriate, for cheapest car insurance.

First we things       .

The best cheapest car Insurance Locate Company. Don't take make first company the thing is that, go shopping, living be sure you're only investment, in what you'll use and energy, more. The main element thing for comparing insurance is to match be fond of cover. The reason being cover can vary melodramatically, over many more different Cheapest Car Insurance companies.

Second, we things

 Make sure that only the drivers that are going to be living the policy are called, drivers. More can always be added later on as wanted.

One more essential to notice, YOUR CLAIMS. It'll enhance your premium slightly, if however anything would have been to come about, you'd be so thankful you took this advice. It could save your premium hundreds. Make really  to verify the definition of defend your claims with each and every insurer as it may vary widely.

Child right in Nepal

A child tries to enjoy the right as soon as it takes birth from the womb of its mother. The child gets care affection from its mother. As a result it grows older. Every child should be given  proper affection, primary health care balanced diet, basic requirements like clothing, fooding, favorable  environment , education and so on . The social discrimination and exploitation should be rotted out. The right which a state should ensure the child is known as child right

    Children are the future stars a nation. They are the future pillars of a nation. They are the foundation of development. If the foundation is strong the building will be strong and it will last for a long time. In the same way if  the children are given proper care they will be physically and mentally healthy. They can be good citizen of the nation they can contribute a lot for the progress of the nation.

    In our country the children are passing miserable life. Some are orphans. They are homeless. Thy are wandering about from place to place. They eat waste food which they find on the road some children are made work hard from morning to evening. They are given torture by the employer. They are depraved of the       opportunity of education and primary health care. They are struggling hard just to solve hard to mouth problem. They are discriminated on the basis of caste, sex. The sons are given more care than the daughters. The scheduled caste children are deprived of ever kinds of opportunity.

 In Nepal different agencies are functioning to protect child right the first is CWIN. The other are SOS,STC, UNDP, UNICEF. These agencies are not enough to protect the child right there should be the initiation of all the people in this regard. The local people should be activated.

   The conception of child right started in Nepal after the restoration of democracy in 2046 but it is not properly implemented. The law relating to the child right is stated in the constitution of Nepal 2048 in the article 2 sub article 17. Some of them are as follow:

1.       The children below 16 years of  the age are known as children

2.       The children below 14 year of age should not be employed in work from 6 pm to 6 ,am

3.       No child will be compelled to work against the will.

4.       The children will not be discriminated on the basis of  sex, religion, color and  caste.

5.       The name date of birth  birth place and parents name of each child will be maintained.

6.       No child will be given mental torture and behave rudely.

7.        No child below 10 years of age will be given any kinds of punishment.

8.       No child below 14 year of age will be employed as a worker. They will not be given work more than 6 hour daily and 36 hours weekly. They have the right to enjoy a day as holiday every week.

9.       No child wii be made work which affects the health.

10.    Child welfare centers will be set up for orphans. Separate child welfare centers will be set up for mentally retarded children.

11.   Child court will be set up to settle the cases of the child.

Nepal has signed in the international treaty and resolution to safeguard child right. The government is committed to safeguard the child right. But it is not translated into practice. First the government should take initiation. Only the government efforts cannot bring the desired results different non government organizations should be involved. The publicity plays an important role in this regard. Public awareness programmer should be carried out involving the local people. Local leadership should be encouraged. Then and there only we can protect child right.

Human services education

The field of Human Services education is generally outlined, unequivocally approaching the target of meeting human wants through a cognizance base cognizance domain, specializing in obstruction as rectification of issues, and maintaining a commitment to elevating the quality of lifetime of services populations. The Human services educating system is one that promotes ameliorated services distribution systems by addressing not solely the standard of direct services, however supplemental by seeking to boost accessibility, answerable, and coordination among professionals and agencies in commission distribution.

Human services education helps to teach the way to facilitate one’s daily living by sanctioning people, families, and different primary teams to operate, to cope, and to contribute. Human services square measure provided by a delivery system consisting of shoppers, laws, regulations, resources, company structures, and professionals.  Human Services square measure designed to assist individuals navigate through crisis or chronic things wherever the person feels they need external help and steering to maneuver forward with their life and discover their personal power and independency. Generally the case the person wants facilitate with is external, like the loss of employment or financial gain, the requirement for food or housing or for facilitate obtaining out of a dangerous state of affairs. For people the issue they're facing is an interior challenge like depression, a physical ill or incapacity or different mental or physical health crisis. So then, the definition of Human Services could be a service that's provided to individuals so as to assist them stabilizes their life and notice independency through steering, counseling, treatment and also the providing for of basic wants. This will take several forms from a man of science, to associate degree Eligibility employee serving to a family get government help or an abuse Counselor. There square measure many ways during which Human Services square measure provided to the general public. The one among the 3 main distinctions square measure the providing of basic wants and services for those in crisis WHO square measure seeking shelter, food and a secure setting like the homeless, youngsters in abusive households or a family in want of food. The opposite primary distinction is those that square measure having chronic issues in their life like somebody seeking mental state treatment, abuse subject matter or medical treatments for chronic conditions. A 3rd distinction is people who work on the Macro level to enhance public health, safety and economic conditions for his or her community.

There square measure several careers that facilitate to form a cohesive definition of Human Services and everyone have in common serving to one’s fellow to succeed in their most potential by providing essential services for each the short-run and long run. Through a strength primarily based approach, the Human Services employee helps their purchasers to realize independency and a better quality of life. Human services careers work into two categories and they are social services and mental state services. Social services specialists facilitate individuals improve their quality of life. Mental state specialists work   directly with people WHO are attempting to alter behavior or bring home the bacon a more robust mental outlook. Whether or not somebody is overcoming associate degree addiction or healing when emotional trauma, a trained mental state specialist will give the proper steering. It protects the health of the many in our community, providing essential human services, particularly for people who square measure least ready to facilitate them. These services improve social conditions, usually through an academic element of the grant, for residents in our community.  Students in Education coaching and Human Services Education program square measure students WHO square measure thinking of careers pathways that relate to families and human wants or students WHO square measure considering changing into lecturers. Everyone seems to be a part of a family and also the Education coaching and Human Services Education program focuses on careers and services that serve families and their wants. Whether or not it's kid care suppliers, social employees, serving and cordial reception, health care or education this program lays a solid foundation for several aspects of those industries.