5 Wanita Ini Tewas secara Tragis Jadi Tumbal Kecantikan

Because of the rapid growth of the different industries across the globe and the high demand for their productions in order to sustain the fast growing needs of the society, the demand of the employees for a certain industry as well goes high. Along with this job opportunity were the risk and threat to the employees lives. There were several industries around the world and one of the most riskiest and one of the largest industry was the Maritime Industry. The said industry as well offers high compensation to their employees. Going back to the mentioned risk, what were the primary causes of the said risk in maritime industry? Maritime industry includes shipping, oil rigs sites, marine commerce, marine navigation, land based sites, and other departments it covers. Primarily the common reason of the occurrence of accidents or personal injuries was the working routine of the certain worker. In maritime industry the working routine of maritime workers includes the long number of working hours compared to the regular working hours of the employees, also, maritime workers were often times working offshore for couple of months. Common situations but certainly these may result to lack of medical attention that could lead to health complexities which was the reason of personal injuries. Maritime Lawyers were focused to the issues and case which covers the Merchant Marine Act of 1920, and most specially to the maritime workers that suffers accidents or personal injuries while having their services rendered to a company under maritime industry. If you were one of those that definitely did not want to end up in negligence and helplessly, you better seek for best maritime lawyers. It was your right to have your claims just what the Merchant Marine Act of 1920 stated. Maritime lawyers would make sure that you can get your full compensation as of being the part of the damage done to you. Being wise in selecting maritime lawyers that would assess you was very important, always consider the background f the lawyers at the same time the firm he was in. It would be best if the lawyer came from a known firm with several cases settled. You certainly don not want to be referred to other lawyer in the middle of your trial, the instance would result to the delay of the jurisdiction for your case. Best Maritime Lawyers for your concerns and your case is equal to justice.

Ditinggal Ngojek, Pulang-pulang Istrinya Main “Kuda-Kudaan“

How Did We Get This Old Without Life Insurance policies? Many Americans pass fifty and realize that a good financial plan would include more coverage. Maybe some people just never really felt any sense of mortality until they passed fifty, but I think most people had other reasons. Some of us had life policies through our jobs, but it did not follow us when we retired or changed jobs. Others did take out term life to protect their families or pay off a mortgage. Then that term life expired, and those people realized they had no coverage at all, but their savings were still not sufficient to take care of all obligations if they passed away. They could still carry debts, or perhaps offspring had not yet become as self sufficient as expected. Other people realize that they might give their families a tax advantage if they pass on money through a life insurance plan, rather than just leaving them money. Others want to protect their business if they pass away, or be able to allow a partner to buy out their portion of a business from other family members. No matter what the reason, lots of mature people, from the middle aged to the elderly, are looking for more coverage. Insurers are responding with new products that are designed for older clients. Actually, many older people can find rates that are fairly affordable, especially if they are still in reasonable health. But older people, even with health problems, can still find coverage. Of course, a normal insurance policy will cost more for a sixty year old than it would for a thirty year old, all other things being equal, but older people can have many things in their favor. Older people may have some positive things going for them. For one thing, insurers check into credit reports these days, and use that information to factor into their rates. Older people are more likely to have good credit, and a long history of financial responsibility. Mortgages may be paid off, or close to being paid off, so debt is less. In addition to good credit, more mature people have often developed good health habits. Following a doctor's orders, they may quit smoking and watch their weight. These factors can help with insurance company rates too! Smaller values of coverage may be enough for older people. One more thing to consider when looking for life insurance for an older adult is that the amount of coverage, or life insurance need, may be less. Mature people may not need to cover the whole mortgage or plan for their children's education anymore. Instead of having to consider a policy with a death benefit of hundreds of thousands of dollars, a few thousand dollars may be enough. Maybe a mature person just wants to leave their family enough money to pay for a funeral and settle debts, with perhaps a little left over as an estate. Instead of looking for life insurance policies with death benefits in the hundreds of thousands, a few tens of thousands may be enough life insurance coverage! Life insurance companies are more willing to offer policies to older, and perhaps sicker, people if the face value is lower because their risk is less. And of course, the cost of insurance will be less when the amount is smaller. Term life insurance is popular with younger families because it usually has the lowest monthly premiums. However and older person who is looking for a smaller face value policy will usually buy a permanent policy like whole life or universal life. This type of life insurance, in addition to providing a death benefit, can also build a cash value. So it can be more than a life insurance policy, but also a savings vehicle, and an asset that can be borrowed against or cashed in should the need arise. Some retired people will even sell their life insurance policy, before they die, to a life settlement company. They can use the cash to meet their needs while they are still alive.

Menikahlah Sebelum Mapan, Katanya Sih Enak, Nyatanya Banyak yang Hancur Karena Pria Belum Mapan

Digital photos are considered the best type of picture to add to a photo collage because they are very high quality and can be manipulated easier that scanned pictures and other digital files without too much loss in quality. While other digital image files can be used, a photo collage that consists of digital photos also gives you the opportunity to use the hundreds or even thousands of pictures that you have on your digital camera or the hard drive of your computer. The Photo Collage The photo collage is a unique looking design that you will never see anywhere else because you choose the number of pictures to use, the actual photos that will be incorporated into the collage, and even how the pictures are combined. The collage itself can be created using as few as a small handful of pictures or it can be created to use tens or even hundreds of smaller photos. The ideal number of photos to add to a collage will depend almost entirely on the size of the photo gift that you intend to add it to. Adding Digital Photos Modern digital cameras offer high quality photography that can be enjoyed by anybody from professional to complete novice and those in between. The digital camera includes many settings that enable the home photographer to take pictures even in the worst of lighting and other conditions and still enjoy great looking results. Scanning Old Pictures However, while the digital camera has changed the way many of us take photos now, there are an equally large number of us that still have old family photos, wedding photos, and other pictures in 6' x 4' print and these can hold many cherished memories for us. These too can be used in the creation of a photo collage and with great effect. Pictures can be scanned before being altered, resized, and positioned in the photo collage. Including Other Pictures And Text Scanned pictures and digital photos are just two types of picture or other item that can be included in a collage. Text is another obvious and effective choice that can be personalised to any event or any individual. You can add a text greeting to a birthday collage or mark the date of a wedding or anniversary in the creation of unique, effective photo collages for these events. Do It Yourself Or Have A Professional Do It For You Many people enjoy the actual design and creation of the photo collage while others are more comfortable letting a professional do the work for them. Use the method that is most likely to yield the best results for you and remember that if you do use a professional designer then you are still in charge of the number of pictures, the actual pictures to use, and the style in which they should be incorporated in the photo collage. Uses Of Your Photo Collage There are many ways to use a photo collage. While some people enjoy sharing them online, even using them as their profile picture in social networking sites, they have more tangible uses. Photo gifts like collage canvas prints, posters, cushions, blankets, and even bags can be customised to your precise needs by adding a photo montage to them. These can be kept for your own use or given to as others as beautiful and effective gifts.

Merelakan Memang Butuh Hati yang Lapang, Tapi Percayalah dengan Demikian kau Akan Dapati Hati yang Tenang

A photo collage is a great gift to give someone, or a creative way to memorialize an event. Photo collages are a great way to express the love of or remember a person, event, or even a special pet. These great works of art can also be a project worked on by the entire family. Photo collages incorporate the creativity, and feelings of its maker. Coming up with a collage idea or theme may be difficult, but not always. One thing to remember when creating a collage is to be creative even if using a photo collage generator. If coming up with an individual idea or theme can be hard or the project is time sensitive, a photo collage generator is something to consider using. It is a fast and easy way to create a collage both beautifully and quickly in little time. They are useful tools, that have pre-set collage ideas, templates, and themes that will allow for easy photo placement, coping, and even themed music for media photo collages. Using the generator will also allow one to display their collage online for all to see. A photo collage generator creates any collage idea into its very own masterpiece and may be purchased, or downloaded free on the internet. A more personal touch to creating a photo collage is to create the entire theme personally. Coming up with an original theme, color scheme, and layout pattern will give many collage ideas a more personal touch, and meaning. Another great reason to create an original collage is that many can be made for free, or inexpensively. Some collage ideas can include; a kids collage using photos of happy times or events of the child's life. Images created by the child such as colored pictures, or paintings. Small images of the child's favorite toys can be placed in the collage. Create a background out of images of the child's favorite cartoon character, and use colorful ribbons or crayons to frame the child's pictures. A collage of friends can be created out of photos of friends, old movie tickets, or other trinkets from places visited together. A great collage for the family to get involved with is a collage of the family it's self. Collecting photos, researching the family crest and history can be a project the entire family can do together. A special event collage is simply put together with special photos of the event, items such as a matchbook, a program, or napkin can be incorporated in. The thing to remember about photo collages is that whether you use a software, or come up with your own collage ideas be creative. Try to create an example of what the person or event meant to everyone involved. If it is a family project, make it fun for all giving everyone a different part to be in charge of. Most of all have fun!

Jangan terlalu memikirkan masa lalu, karena ada masa depan yang harus kamu usahakan lebih baik

Pursuing higher studies simply demands good amount of finances each year, making its borrowing almost inevitable for most of the people. This is where online collage student loans can play a vital role. The online mode of lending and borrowing an amount is well associated with low rate of interest and other low costs. This makes the repayment fairly easier. However, the applicant must first look for an affordable deal before finally applying for it. Since the Federal loans are not accessible to each student because of some parameters like the applicant must come from fragile financial condition of his or her family, for others the online loan is the only option. Moreover, the federal loans may not be sufficient for some high expenses courses. Advantages of taking out online collage student loans are many. First of all, the applicants' gets instant approval, usually within hours, enabling them about their candidature of the loan. Thus, there are no hassles involved. You need to make an online application to the lender, giving basic loan and personal details. Secondly, the online mode ensures for comparing as many such lenders as you can. This enables in finding out a suitable deal for your circumstances and requirement of the amount. You can not only compare the rates but additional charges also besides other terms-conditions. Thus you are not dependent on a particular lender. But a great advantage is that these loans involve competitive rate of interest because of ever growing competition to win you as a potential customer. Clearly, low overall costs are a beneficial feature for the students. As per requirements, the student can find these loans in secured or unsecured option. The secured loan ensures low rate of interest against a property for collateral and its value enables in borrowing any greater amount. Its repayment can be made in 5 to 30 years after you finish the collage studies. A smaller amount can also be availed without collateral as unsecured loan and it can be repaid in short term after the collage education. The rate will be little higher.

Langsung Menikah Saja, Karena Kalau Pacaran Kamu Hanya Jagain Jodohnya Orang

There has been a rapidly growing number of online collage art and underground art galleries over the last five to ten years. The emergence of blogging networks, such as Blogspot, WordPress, and such others, have had a massive contribution to this fact, and have made it easier to create even the most basic looking site with the ability to add regular entries and the ability to integrate images. These sites can look reasonably good, certainly better than the hacked together sites of the bad old days of the late nineties provided by Tripod, Geocities, and Angelfire (remember those?) One can also not ignore the rise of social networking sites such as the ubiquitous Facebook, and the less popular, but more customizable MySpace. The benefits for the unknown artist, and especially the often ignored and sometimes maligned collage artist, are most obvious, you don't have to know much in the way of web languages to have an online gallery up and running and let people see your work. It is this fact that is the revolutionary aspect. The ability to set up your own online gallery that anybody in the world with connection to the internet can see (provided Google can let people find it!) This is especially important to the collage and underground artist, who are so often shut out of galleries for their work being unsafe, or not meeting criteria, or there being just too many other artists out there. Well we have now created exhibition space for ourselves, and have widened our reach, we are now truly independent of the gallery system, and can through the likes of eBay and PayPal or merchandise manufacturers such as Zazzle and CafePress, we can even sell our work.

Sekuat Apapun Godaan Untuk Mendua, Ingatlah Selingkuh Itu Hanyalah Menambah Dosa

THE HISTORY OF COLLAGE It wasn't until the 20th century that the term collage was coined (more about that shortly.) Nevertheless,Japanese calligraphers in the 12th century glued paper and fabric onto their written poetry as a background. This technique could by defined as collage. 15th and 16th century artisans in the Near East applied intricate paper designs for their handmade books. In medieval times, around the 13th and 14th centuries, artists enhanced their spiritual images and icons painted on panels with a variety of materials including gold leaf (paper thin sheets of gold attached with glue), fabric, jewels, relics and hand-colored papers. Nuns were creating beautiful and intricately design bookmarks for their prayer books. All of these artful applications are aligned with the collage technique. In the early 19th century, with the advent of the camera and photography, families were gluing photos into scrap books. Commercial screens and lampshades with photo images of popular tourist attractions and European landmarks were mass produced and became very popular decorative household items CONTEMPORARY COLLAGE It wasn't until the 20th century that Pablo Picasso and Georges Braque first glued material on to their paintings. It was then "collage" became a word that refers to a specific kind of art form. The term collage is derived from the French "coller" meaning "to paste or to glue." Soon collage became the word for describing a new and exciting artistic process. The scene was set and Picasso and Braque were the players. The traditional, idealistic, classical subject matter of the Renaissance and Romantic Eras was on the wane. The Impressionists had helped pave the way for this movement by choosing to paint local subject matter--public gardens, cathedrals and country lanes. Claude Monet, a famous Impressionist, painted many studies of haystacks under the continually changing light of day. So, it wasn't surprising that artistic forerunners like Picasso and Braque, were using theatre tickets and fragments of posters and newspapers, in their paintings. Ultimately, their use of mass media materials established the contemporary wide-open guidelines for modern art: (1) Any material can be used to make an artwork 2) Any idea can be used for an artwork. (3) Any technique can be used for making artwork. Today, collage is an established art form that presents an imaginative, provocative, and often humorous perspective by employing common, everyday objects as subject matter. Collage transforms the usual into the unusual. The skills required for making a collage are both visual and physical. The physical skill involves combining objects to create a composition. The visual skill requires an eye and mind sensitive to meaning and context of the objects.

Teruslah kamu bergantung kepada Allah, agar dalam keadaan yang tidak memungkinkan sekalipun kamu selalu mendapat kekuatan untuk yakin

Melihat Penampilan Iqbaal Ramadhan sebagai Minke di 'Bumi Manusia'

How Did We Get This Old Without Life Insurance policies? Many Americans pass fifty and realize that a good financial plan would include more coverage. Maybe some people just never really felt any sense of mortality until they passed fifty, but I think most people had other reasons. Some of us had life policies through our jobs, but it did not follow us when we retired or changed jobs. Others did take out term life to protect their families or pay off a mortgage. Then that term life expired, and those people realized they had no coverage at all, but their savings were still not sufficient to take care of all obligations if they passed away. They could still carry debts, or perhaps offspring had not yet become as self sufficient as expected. Other people realize that they might give their families a tax advantage if they pass on money through a life insurance plan, rather than just leaving them money. Others want to protect their business if they pass away, or be able to allow a partner to buy out their portion of a business from other family members. No matter what the reason, lots of mature people, from the middle aged to the elderly, are looking for more coverage. Insurers are responding with new products that are designed for older clients. Actually, many older people can find rates that are fairly affordable, especially if they are still in reasonable health. But older people, even with health problems, can still find coverage. Of course, a normal insurance policy will cost more for a sixty year old than it would for a thirty year old, all other things being equal, but older people can have many things in their favor. Older people may have some positive things going for them. For one thing, insurers check into credit reports these days, and use that information to factor into their rates. Older people are more likely to have good credit, and a long history of financial responsibility. Mortgages may be paid off, or close to being paid off, so debt is less. In addition to good credit, more mature people have often developed good health habits. Following a doctor's orders, they may quit smoking and watch their weight. These factors can help with insurance company rates too! Smaller values of coverage may be enough for older people. One more thing to consider when looking for life insurance for an older adult is that the amount of coverage, or life insurance need, may be less. Mature people may not need to cover the whole mortgage or plan for their children's education anymore. Instead of having to consider a policy with a death benefit of hundreds of thousands of dollars, a few thousand dollars may be enough. Maybe a mature person just wants to leave their family enough money to pay for a funeral and settle debts, with perhaps a little left over as an estate. Instead of looking for life insurance policies with death benefits in the hundreds of thousands, a few tens of thousands may be enough life insurance coverage! Life insurance companies are more willing to offer policies to older, and perhaps sicker, people if the face value is lower because their risk is less. And of course, the cost of insurance will be less when the amount is smaller. Term life insurance is popular with younger families because it usually has the lowest monthly premiums. However and older person who is looking for a smaller face value policy will usually buy a permanent policy like whole life or universal life. This type of life insurance, in addition to providing a death benefit, can also build a cash value. So it can be more than a life insurance policy, but also a savings vehicle, and an asset that can be borrowed against or cashed in should the need arise. Some retired people will even sell their life insurance policy, before they die, to a life settlement company. They can use the cash to meet their needs while they are still alive.

Inilah Makanan Wajib Dikonsumsi Ibu Hamil, Agar Bayi Sehat dan Cerdas..

Do you know when you will die? If you are the family breadwinner, do you know how your family will survive financially if you were to die? Do you have a plan in place to protect your family financially if you should die prematurely? Do you know how term life insurance could help you? This article will explain what term life insurance is and why it is a good insurance to buy. What Is Term Life Insurance? Term life insurance is exactly what it says it is. It is insurance on life for a specific time period. The length of the term and the value amount is left to the purchaser to decide. If the person insured dies before the defined term is over, the beneficiary named on the policy receives the amount of the coverage purchased. It is an insurance policy to provide funds of a predefined amount in the event the insured dies. If the person insured dies after the predefined coverage period, the beneficiary receives no money. Why Buy It? So you may be asking, why buy it. Isnt buying term life insurance a gamble? Term life insurance is no different than other insurance. The purchased amount covers the risk of potential financial loss. Car insurance protects potential financial loss of a car, amount awarded in a law suit, and medical injury. Home insurance protects potential financial loss of a home based on events defined in the policy. Term insurance protects potential loss due to death of the insured. If the events covered never happen you paid a premium without receiving any amount of your premium back. You may never have a car accident or any type of home mishap; however, someday each of us will die. As they, say there are two things that are certain in life death and taxes. Since you will die someday, is there a financial obligation that should be taken care of in the event you die? If you are the bread winner of the family, it is important to determine the financial impact of the loss of your income. How much would your family need if you were to die prematurely? Term insurance is a very important purchase for the bread winner of a young family. There are so many expenses to plan for including higher education for the children, the home mortgage, car loans, credit card debt and many others in addition to everyday living costs. Knowing the loss of income is covered if death occurs, the beneficiaries can relax a little more.

Hari Ke-6 Saya Sudah Melihat Alam Lain, Pengakuan TNI yang Tersesat di Hutan Papua

Coach house insurance is a bespoke and niche type of insurance policy tailored to specifically include freehold and leasehold garages underneath a residential, coach house property. There are some slight, but crucial differences between coach house insurance and ordinary home insurance. Standard buildings and contents insurance policies do not allow for leasehold garages - and therefor would not pay out in the event of a claim. If you managed to set the policy up online, or by telephoning a call centre by referring to the type of property as a flat for example, it is very likely that if you submitted a claim the insurer would simply decline - because you do not live in a flat. It could be perceived you have failed to tell the insurer of the true type of property, or that when you received your policy documents referring to the building as a flat - you failed to tell them that there was an error. Having not paid the correct premiums to reflect the correct risk, you could end up having a claim declined. What is certain, a call handler in a call centre can assure you that it's all okay during a telephone call, but you should insist on the insurer confirming in writing that they understand the garages are forming part of the building, and must be covered under the buildings insurance schedule. You also must make sure that your type of property is correctly described as a coach house. Without that guarantee, you could end up being uninsured and not knowing about it until you put a claim in. Insurers are not obliged to pay out when the facts on the original application are incorrect. The best course of action would be to seek out a bespoke and specialist insurer that insures coach houses as part of their business - and not as a one-off. You are more likely to speak to advisors who know and understand how things work - they know what a peppercorn leasehold is, they understand the liabilities of the freeholder. Your policy paperwork will be exact and you will have peace of mind that you are adequately insured for every eventuality! Your policy must note all the garages which form part of the building, on the buildings insurance schedule for them to be covered in the event of claim. Therefore most high street insurers, banks and building societies, and online providers do not insure coach house properties. The liability of insuring the garages is too complex for standard online policies and requires more and more in-depth underwriting, and claims handling. The cost of providing coach house insurance is too high and specialised for most insurers to get involved in. You must talk to a specialist to make sure that your liabilities as the owner, are fully covered.