Energy security

The term "energy security", expressing the availability of energy sources relied upon in sufficient quantities and relative stability of prices acceptable to the countries importing and consuming of these sources, and therefore the resources presented acute shortage of low quantities offered for sale or price increases to values ​​higher than the true value, or delayed The arrival of these resources to consumption points, either for technical reason (such as: Breaking pipeline, pumps crashes, .. etc.), or because of sabotage (such as the bombing of oil wells and gas, and sabotage of pipelines which is what happens in Iraq, from time to time, and the threat of party Kurdistan Workers destroy the gas transmission lines passers through its territory), .... All of this means a lack of energy security.

Prior to the events of September 11, 2001 was not the term dimensions that indicates her now, sites, such as:
- Nuclear power plants
- Thermal power stations (using oil and natural gas and coal to produce electricity)
- Oil wells and natural gas production
- Refueling points
- Oil pipeline
- Natural gas transmission lines
- Dams (for the production of electricity from water sources)
- Water systems

Could represent targets for an attack on them, not to mention the use of the world for about 50,000 ships and shipping giant uses, including about 4,000 vessels operating on the product of the giant fields of Petroleum Transport (116 wells), which produces all of which about 100,000 barrels per day of oil, while died rest needs the world from about 4000 small oil wells, an average of 17,000 barrels per day.

At June 15, 2004 publication of Sheikh Abdullah bin Nasser Al-Rashid book entitled "ideological foundations to target oil", which identified six consequences for the implementation of the acts of sabotage against oil wells or transfer lines, and these results are: -
- Raise oil prices
- Lifting required to secure sources of energy cost
- Work on the diversity of energy sources to meet the increase in oil prices
- Increasing the cost of research in the areas of alternative energy
- Instability as a result of disruption of local and foreign exchange markets
- The disastrous effects on the economy returns in the United States

It is worth mentioning that the terrorist organizations and armed gangs are seen as a threat to energy sources, in Nigeria, which is one of the largest oil suppliers in the world where there are At Delta Naijiraa- about 120 forming an armed gang fights in order to increase the share of regions that are located out of oil revenues , the same outlook and also include terrorist organizations and that these sites may come within its priorities and agenda.

Aviation insurance

Aviation insurance
Cover and close aviation insurance (material losses) of the structure of the plane, which you can write "all risks" on the basis of cover damages on the ground and in flight, or any of them separately, and liability coverage for aviation covers all of the passenger injuries (not including responsibility direction of passengers) and damaged luggage separate extension or as a separate document.
 Types of documents aviation insurance:
 Document aviation hazards:
Insurance covers all the dangers of aircraft losses and material damage to the aircraft from any cause exceptionally exposed and subject to the appropriate level of endurance partial result of an accident and not a total loss and does not cover all risks insurance claim for damages as a result of daily use.
Document liability to fly this type is divided into two parts:
Responsibility direction of passengers, baggage, cargo and mail Laptop by plane.
The direction of third-party liability cover liability for damage occurring to property and persons outside the plane.


Securing these types of responsibility and are under separate documents.
 Document the overall responsibility for the airline to third parties:
Cover liability direction buildings and accessories, aircraft hangars Remember, materials, and cover this liability damage and loss of property or persons other than because of the use of the plane.
  Insurance policy aircraft parts:
Spare parts are locked in one of two ways. Either under the "spare parts" section within an insurance policy all hazards, or under the policy separate parts, and in both cases, 

Travel insurance private Gard Baflay Dubai

"Travel Guard insurance" is a travel insurance provider of flydubai partner in travel, AIG. It is based Bngtitk in the following cases:
If you have to cancel your trip
If you need urgent medical treatment while traveling
If you had to go back to your country in the early
How can I buy "insurance Travel Guard"?
You can buy private insurance Travel Gard Dubai Baflay when to book your trip on board flydubai through:
Contact flydubai Center
A travel stores accredited by flydubai


Who are the people who are unable to obtain insurance protection from "Travel Guard insurance"?
You can travel with them and you get the insurance protection.
Passengers who want Bngtithm by insurance should be:
Be resident in the country where you are traveling from
The age of each one of them has exceeded two (children are between the ages of cover 14 days and two years for free when accompanied by a parent traveling on the same booking flydubai) are not allowed to infants under the age of 14 days to travel.

What future for life insurance in euros?

What future for life insurance in euros?



High performance, risk, tax-efficient, the life insurance contracts in euros for thirty years seduced rightly millions of savers. 2011 there was a turning point in the history of this investment? Showing a net outflow end of the year and decline in yields (3% in 2011 against 5.3% in 2001), life insurance in euros, which still has more than 1,220 billion euros, lost its superb. However, the top life insurance contracts range are doing better and could even rise again this year.

Life insurance in euros through a bad patch. After three decades of loyal service, the star offering, combining both performance and safety, will come probably not free from the financial crisis. Mostly invested in bonds, including those issued by states, for whom the default is now more unlikely if the life insurance contracts in euros do not seem to offer the same benefits provide and keep that same promise 'previously. Investors are entitled to ask whether this phase is lasting or temporary, that is to say reversible.

2011: a simple to blow for Facts & Figures
Moreover, since the end of 2011 the amount paid on life insurance contracts in euros grew much more slowly than before, while withdrawals are increasing. Admittedly, for thirty years, this investment product suitable for almost all of the needs of investors has been extremely successful, no other investment has never generated.
However, in recent years this attractiveness decreases. The bond crisis that precipitated this setback. According Facts & Figures, it is a simple blip and not a sustainable situation. The firm believes that "there is a lot of talk of excessive withdrawals, the death of the life insurance, the impact of exposure to Greece. After a decade of sustained growth, life insurance knows actually a stabilization and remains the preferred savings vehicle of the French. »
Return on life insurance: the best in 2012
Improvement should also be visible this year. According to estimates by consulting firm in strategy, Facts & Figures, the remuneration of life insurance contracts in euros will be better in 2012. After several years of decline and after dropping 3% last year, the rate of return on life insurance contracts in euros should in their calculation start rising and stand at roughly 3.3%. This estimate includes a margin of error of about 0.2%, the yield is expected to range between 3.10% and 3.50%.
To provide these estimates, Facts & Figures established a correlation between the rate of pay of euro funds of life insurance policies and rates of return on government bonds means (MTCT).
The most profitable high-end contracts than other
The consulting firm also notes that the performance gap between these contracts standard and high-end contracts for hotel guests "wealth management" increases. While the average rate shows 3% in 2011, the standard contracts is below 2.70% when the contract reserved for the wealth management reached 3.35%.

Life insurance Vivaccio .. What you should know

Life insurance Vivaccio .. What you should know

Vivaccio is a collective contract proposed by La Poste to
the participant to establish or enhance a capital throughout his life, in which the guarantees are offered depending on its age and needs according to formulas 6: Vivaccio Initial, Vivaccio Rise, Vivaccio Vitality, Vivaccio Income, Harmony Vivaccio Vivaccio and Amber ..


HOW TO MANAGE YOUR ADDED VALUE LIFE INSURANCE

HOW TO MANAGE YOUR ADDED VALUE LIFE INSURANCE 


Even if you do not need your money, you can make a year-end redemption - payout on your life insurance policy if it has more than 8 years.

Indeed, from this period, the contract is eligible for an annual abatement on 4 products 600 or € 9,200 depending on your marital status. By doing so, you purge a gain which will not be taxable to the exit. And after 10 years you will have défiscaliser almost € 100,000 products. Besides the CSG will be taken on redemption (which in any case would have been due one day or the other ...) will be tax-deductible up to 5.1%. You can in addition reduce your taxable income on this occasion to € 469 (9200 x 5.1%) ...

Home insurance

               Home insurance



Home insurance protects us! Committed in a private or business location, burglary is often experienced as trauma without speaking of the damage and emergency measures to be implemented.

If you add to this the fact that are poorly or not insured, the note may be steep ...


The scourge can not be ignored, in France around 324,000 burglaries were committed in 2011, 888 per day!


For those who do not know it yet, burglary resulting in the simple and often definitive disappearance of objects belonging to you, are added the damage to doors or windows with consequent damage that in the simplest cases often reached several thousand euros!
The choice of home insurance is therefore crucial and deserves pays special attention ...
Home insurance protects your home and property for damage that would be caused to them. Coverage and terms depend on the type of contract and its levels of cover.

What assurance habitation choose?

Do not take this step lightly! Be aware that it is not binding, it is enough to know what you really need to cover and what companies offer home insurance matters.

1st stage

Make an inventory of the contents and values ​​that you possess, furniture, electrical, home decor, clothing, trinkets, jewelery, make a list.

For objects with the most value you can photograph or film them, for example, put your jewelry on white paper, put a ruler and take their picture. This inventory is interesting not only to define the right home insurance coverage but also can occur during a theft report insurance, proof of existence and value of an object that would have disappeared or is damaged during a disaster.

Step 2

Contact your broker, submit it your home insurance claim, request a quote and ask him to explain in detail the coverage level and any special clauses. If there is an online application, read, re-read all the terms before signing your contract.


Contact a professional is the assurance of optimum coverage.


Just the flight?

No, home insurance offers various guarantees, indeed can understand beings according to the contract;

Burglary, burglary, theft, damage and vandalism
The fire, explosion, lightning or damage due to smoke.
Water damage: damage due to water leakage, pipe, infiltration, overflowing sewers.
Natural and technological disasters
The glass breakage
Attacks and acts of terrorism.
Liability and extended coverage
etc.


Following the end of the article, I provide you with links to various corporations of insurers Francophonie, please visit their website.

You already have home insurance?

Make sure your contract is valid! Number of times I intervened after a burglary and the victim, after verification, informed me that his contract covered loss such as fire but not theft!

As you can see, home insurance is to protect you and to cover what you worked!

Then it is time to check whether you are home insurance order. Remember also that for a current risk the cost of home insurance is that accessible!

And you, are you covered by home insurance?

Leave me a comment below



Also read this article on "the risk of burglary"



French Federation of Insurance Companies

Swiss Insurance Association

Insurance Bureau of Canada

GD Association of Insurance Companies of Luxembourg


Professional Union of Belgian Insurance Business
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