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| About site: http://www.geocities.com/lacrosse_guy_2000/ |
Title: Lacrosse - Canada's 2 Greatest Sports Message board, current events, related links and area teams in eastern Ontario.
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Hall_of_Fame_and_Museum Membership information, calendar of national events, forum, regional chapters and links. Located in Baltimore, Maryland USA.
| The_Lacrosse_Forums A message board to discuss stick tech, gear, training, rules, and tactics.
| Lacrosse_History Several articles detailing the history of the sport.
| Lacrosse_Photos Lacrosse Magazine photographer features his photos from college, pro, high school, club and recreational leagues.
| Lacrosse_Reviews Comparison of heads with pictures and descriptions for determining which is appropriate for a specific individual.
| LaxMania_com Provides practice tips, drills, equipment reviews, and articles.
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Please visit: http://www.geocities.com/lacrosse_guy_2000/
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| Related sites for http://www.geocities.com/lacrosse_guy_2000/ |
| LaxRules_com Instructions on playing women's, men's, box and NLL-levels of the sport with summaries and foul details. | | Robert_Swanson_Lacrosse_Photography Action, team, coach, and player pictures. | | Rock-it_Pocket Description of chumash and its rules, pictures, guestbook and mesh maintenance information. | | Aspen_Tech_Rounders Lists the Aspentech rounders fixtures. | | Backward_Hit The Dorset rounders tournament. Lists information on match fixtures, past results and current county teams. | | Description_and_Rules_of_Rounders A brief description of the history and descriptions of rules, ball and stick. | | Erne_Eagles_Rounders_Club Full news and information about the club based in south Co. Cavan, Ireland. | | HickokSports_com__Rounders The history of rounders and a short description of the game. | | Lets_Play_Rounders A guide to the sport of rounders, including history, pitches and rules. | | Limekiln_Rounders_Club News and information about the club playing in Tymon Park on South Dublin County Council pitches. Includes calendar, schedules, standings, teams, photo albums and message boards. Ireland. | | National_Rounders_Association Comprehensive information about the game plus information about regional and national tournaments. Also includes awards, coaching, equipment, calendar, leagues, membership information, rules, and news | | Play_Rounders Information on the game, equipment used and rules. | | Queensland_Rounders_Association Lists boys and girls teams and provides player statistics. | | Rounders_Contacts_in_Cambridge A list of which teams no longer play, who the new teams are, which teams have new organisers, what their new number or email address is. | | Rounders_Council_of_Ireland Lists information on past rounders fixtures, previous winners, rounders leagues and championships. | | Rounders_for_Fun How to play the game, requirements, and history. | | Rounders_Online_net Offers a guide to the sport including its rules and history and links to clubs and equipment suppliers. | | South_Yorkshire_Rounders_Association Provides news, photos, details of officials, teams, fixtures, league tables, and history. | | Wikipedia_-_Rounders Hyperlinked encyclopedia article includes an overview and rules of play. | | andhra_pradesh_korfball English language site of the Andhra Pradesh Korfball Association or APKA, based in India, featuring photos from national championships. | | British_Korfball_Association Includes description of korfball, competitions, rules and regulations, bulletins, notice board, and related links. | | Cambridgeshire_Korfball_Association Information about the sport locally, including news, fixtures, results, and a listing of clubs in Cambridge and Littleport, England. | | Central_England_Korfball_League The CEKL is an English league with feeder leagues in the East Midlands, West Midlands, Potteries, North West and Yorkshire. Site contains details of all clubs involved in the league pyramid. | | English_Korfball_Association The English Korfball Association, governing body of the sport in England. Featuring latest news and details of national competitions and squads. | | ESCK_2005 Official site of the European Student Championship Korfball 2005 to be held in Wageningen the Netherlands. Includes news, committee photos, team registration, map, and program summary. | | Get_Mixed_in_2006_-_how_to_get_involved_in_UK_Korfball Full details on how to get involved in korfball in the UK. Features description of the sport, video clips and list of British clubs with extra details of when clubs are holding beginners' sessions. | | iSportsDigest_com__Korfball A directory with links to over 150 Korfball sites. | | Kent_Korfball_Association Includes news, events, contact information, competitions, referees, rules and related links. | | Korfball_Net Provides news and results for European korfball leagues. | | Korfball_New_Zealand News, contacts, equipment, links and photos for korfball as it is happening in New Zealand. | | Korfball_Victoria Information about the sport in Victoria and Bacchus-Marsh/Melton, Australia, including news, fixtures, results, and contacts. | | Korfball_com Information about the game internationally and world championships. | | Lithuanian_Korfball_Initiative_Group Provides information and links about the game basics, rules, competition structure, organizations and events. [English, Lithuanian, Polish] | | London_and_District_Korfball_Association Site contains London (England) indoor, outdoor and junior league fixtures, and a listing of all clubs in the Greater London area if you want to get involved. | | Norfolk_Korfball_Association Features league fixtures and results for the Norfolk (UK) league, and details of all the clubs in the county. | | Oxford_Korfball_Association The Oxford Korfball Association - news, events and information covering all of Oxfordshire (UK) and also Milton Keynes. | | Polish_Korfball_Federation Official site provides news and information about the federation, national team and Polish league. Includes competition results, calendar, chat, photo gallery and links. [English, Polish] | | Russian_Korfball_Federation News, Forum, History and official Information of the sport in Russia. | | School_Korfball_-_your_international_resource Schoolkorfball offers you international news and resources and helps you to start playing the sport in your school. | | South_West_Korfball_Association Details of all clubs in the UK region covering Avon, Somerset and Devon. |
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Canada's Greatest Insurance: Health Insurance, Auto & Car Insurance, Home Insurance, Travel Insurance, and Life Insurance
Insurance Information: Health Insurance & Auto Insurance in North America
Many people have made millions in the highly profitalble insurance industry. Often, insurance agents will offer customers special deals or better rates based on personal relations.
Insurance: Insurance agents and insurance companies
Insurance is the business of providing protection against financial areas of risk. They can include, but are not limited to things such as property, life and health. It works by the person who wantes to be insured making payments called "premiums" to an insurance company. The insuree is then able to claim a payment from the insurer if they suffers some from of "loss" from the item(s) they have insured. For example, when a person insures their car they pay premiums to an insurance sompnay. If they get in an accident and their car is damaged they receive payment from the insurance compnay to cover the cost of reparing or replacing the automobile. In the case of a pension the terms 'risk' and 'loss' are somewhat inappropriate, they concern the chances of living at future times and the need for money because of still being alive.
Insurance Risks
Insurance reduces risk by pooling together a large number of risks. For example, many individual people purchase health insurance policies. They each pay a small monthly or yearly premium to the insurance company, and then when a policy holder gets ill, the insurance company will provide money to cover medical treatment. For some individuals receiving insurance benefits, this may total far more money than they have ever paid into the insurance policy themselves. Others may never make a claim. When averaged out over all of the people buying policies it evens out. Insurance companies set their premiums based on their calculated payouts, aiming to take in more money than they pay out in the long run to cover expenses and, in the case of for-profit insurance companies, to make a profit.
Insurance companies
Insurance companies also earn investment profits, because they have the use of the premium money from the time they receive it until the time they need it to pay claims. This money is referred to as "float". When the investments of float are successful, they may earn large profits, even if every penny received as premiums is eventually paid out in claims.
Insurance contract
An insurance contract or "policy" will set out in detail the exact circumstances in which a benefit payment will be made and the amount of the premiums.
Types of Insurance
There are a number of different types of insurance:
Property Insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This insurance includes specialized types of insurance such as fire insurance, flood insurance, or boiler insurance.
Casualty Insurance
Casualty insurance insures you against accidents, not necessarily tied to any specific piece of property.
Liability Insurance
Liability insurance covers all your legal claims against the insured. For example, a doctor may purchase insurance to cover any legal claims against him if he were to make a mistake in treating a patient.
Financial Loss Insurance
Financial loss insurance protects yourself and other companies against various insurance financial risks. For example, a business might purchase cover to protect it from loss of sales if a fire or explosion in a factory prevented it from carrying out its business for a time. Insurance may also cover failure of a creditor to pay money it owes to the insured. Fidelity bonds and surety bonds are included in this category.
Title Insurance
Title insurance provides you with a guarantee on the amount of research done concerning public records and affecting title to real property insurance, usually in conjunction with a search done at the time of a real estate transaction, such as a sale, or a mortgage.
Health Insurance
Health insurance covers your every day medical bills. Health insurance is one of the most popular insurance choices among all 50 states currently inside the united states.
Life Insurance
Life insurance provides you with a benefit when a family or other designated beneficiary dies, usually to make up for their loss of his or her income. However it can also account for emotional damages if you're willing to pay for it
Car Insurance
Car insurance is a very popular choice among americans. Many americans are avid car drivers and as a result of the law you are required to purchase car insurance in order to drive their vehicles legally.
Please, stay above the law in your state and purchase car insurance, you won't regret it.
Insurance: Annuities
Insurance annuities provide a stream of payments to insurance policy holders and are generally considered insurance because they are issued by insurance companies and regulated as insurance. Insurance annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the opposite of life insurance.
Insurance: Other Popular Insurance Policies
Terrorism Insurance is an increasingly popular choice among american insurance agents.
Political Risk Insurance
Other Insurance Questions Of Importance
A single insurance policy may cover risks in one or more of the above categories. For example, car insurance would typically cover both property risk (covering the risk of theft or damage to the car) and liability insurance risk (covering all legal insurance claims from causing an accident for example).
A homeowner's insurance policy in the US typically includes property insurance covering damage to the home and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of health insurance for medical expenses of guests who are injured on the owner's property.
Potential sources of risk that may give rise to claims are known as perils. Examples or perils might be fire, theft, earthquake, hurricane and many other potential risks. An insurance policy will set out in detail which perils are covered by the policy and which are not.
Types of Insurance Companies
There are many types of insurance companies in North America.
Insurance companies may be classified as:
Life Insurance Companies
Life insurance companies sell primarily life insurance policies, life-term annuities and life long pensions products.
Non-Life and/or General Insurance Companies
Non-life or general insurance companies sell mainly other types of insurance.
In most countries, life and non-life insurers are subject to different regulations, tax and accounting rules. The main reason for the distinction between the two types of company is that life business is very long term in nature - cover for life assurance or a pension can cover risks over many decades.
By contrast, non-life insurance cover usually covers shorter periods, such as one year.
Insurance Notes of Importance
Companies may sell both life and non life insurance, in which case they are sometimes known as composite insurance companies.
Reinsurance companies sell insurance cover to other insurance companies. This helps insurance companies to spread their risks, and protects them from very large losses. The reinsurance market is dominated by a few very large companies, with huge reserves.
Saving Money on Life Insurance
As well as paying out a sum of money on death, many life insurance contracts also pay out a sum of money after a given time (in which case it is known as an endowment policy), and may also pay out a cash value if the policy is cancelled early. In many countries, such as the US and the UK, tax law provides that the interest on this cash value is not taxable.
This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death. Wealthy individuals buy life insurance policies as a means for avoiding income taxes and estate taxes.
If the tax benefit exceeds the fees charged by the insurance company for maintaining the policy, then the policy serves as a life insurance tax shelter. There is much controversy surrounding this practice, and the financial industry is deeply divided about whether or not these practices work as advertised.
Criticisms of the Insurance Industry
Lack of knowledge of policy-holders.
Insurance policies can be complex, and a lot of policyholders, especially poorer ones, do not understand all the fees included in a policy. As a result, people may buy policies at unfavorable terms. In response to these issues, governments often make detailed regulations which set down minimum standards for policies and govern how they may be advertised and sold.
Health Insurance
Health insurance is one of the most controversial forms of insurance because of the conflict between the need for the insurance company to remain solvent versus the need of its customers to remain healthy, which many view as a basic human right. This conflict exists because of the unpredictability of how patients respond to medical treatment; hypothetically, if a large number of customers of a particular insurance company were to contract a rare disease costing 100 million dollars to fight for each patient, then the insurance company would be faced with the choice of either charging all its future customers astronomical premiums (thus losing customers and going out of business); paying all claims without complaint (thus going out of business); or fighting the customers in an attempt to deny the costly treatment (thus outraging patients and their families, and becoming a target for lawsuits and legislation).
Many countries have made the societal choice to avoid this important conflict by nationalizing the health industry so that doctors, nurses, and other medical workers become state employees, all funded by taxes; or setting up a national health insurance plan that all citizens pay into with tax payments, and which pays private doctors for health care. These national health care systems have their problems, too, however; many countries have citizen groups which protest bureaucracy and cost-cutting measures that delay medical treatment unduly.
Some common complaints about private health insurance companies include:
Insurance companies do not normally announce their health insurance premiums more than a year in advance. This means that, if you get sick, you may find your premiums raised a lot. This defeats the purpose of having insurance in the first place.
If insurance companies try to charge different people different amounts based on your health, people will feel they are unfairly treated. Some states require that insurance companies cover all who apply at the same cost; this rule has the effect (called adverse selection) that healthy people subsidize sick ones, and thus only really sick people buy insurance and the premiums are very expensive.
By the time a claim is made, it is in the best interest of the insurance company to use lots of paperwork and bureaucracy to attempt to deny the claim. Some percentage of people will give up, leading to lower costs for the insurance company.
Health insurance is only available at a reasonable cost through an employer-sponsored group plan. This means that unemployed individuals and self-employed individuals are at a big disadvantage.
Experimental treatments are generally not covered. This is especially criticized by those who have already tried, and not benefited from, all "normal" medical treatments for their condition.
More Insurance Information
If you're interested in finding more of Canada's greatest insurance information, please check out this great insurance link
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