This information will be useful for the traveller as well as the bed and breakfast (B&B) / guest house owner, in that they can better equip and protect themselves from unforeseen circumstances. Safety has always been a concern when travelling and now with the 2010 Soccer world cup at our door, we are expecting an influx of nation and international guests of whom all have a need to make sure that where they decide to call home is secure and safe for them and their families.
As a traveller, whether a South African travelling at home or international visitors to our shores, the guests at an establishment will want to ensure that wherever they chose to stay during their travels, the accommodation is of the level they would expect. Accommodation that suits them, food they enjoy and a location in which they can relax. But what about the insurance of the establishment they have chosen? It is interesting to note that an increasing number of foreign travellers and their travel agencies are making enquiries about the insurances before they make a reservation. An establishment without the correct insurances is simply, in effect, turning away bookings, and as we get to the stage where the number of foreign tourists start to realise that this problem exists in South African bed and breakfasts (B&B's) and guest houses, establishments operating in this way will start to lose more and more reservations. Accidents can, and do happen bed and breakfast (B&B) and guest house owners need to be certain that, in the event of a guest becoming the victim of an unfortunate accident where the owner of the establishment is at fault and the guest seeks compensation, the property has the correct and adequate insurances to provide protection to the establishment owner. Sadly, many of the bed and breakfast (B&B) and guest house establishments in South Africa do not have either correct or adequate insurances, and many have insurance policies containing clauses, rendering some insurance's useless. An accident to a guest, the fault or negligence of the owner, involving major costs, may result in the guest being able to recover very little from the owner whose assets are limited. A relatively small claim in Pounds would probably be more than most bed and breakfast (B&B) / guest houses are worth in South African Rands. For this reason it is important that when making a reservation at a bed and breakfast (B&B) or guest house in South Africa, the traveller confirms that they are adequately insured. We have many beautiful and quaint bed and breakfasts (B&B) / guest houses in South Africa - many of whom I have had the pleasure of enjoying. This article is not meant to deter any national or international travellers, it is meant to help you be more aware and selective when making your choices. We want you to have the most pleasurable stay with us as possible so that you can come back and enjoy even more. Thank you for reading this article. http://www.infobarrel.com/Safety_in_South_African_guest_houses DUBLIN--(BUSINESS WIRE)--Research and Markets (http://www.researchandmarkets.com/research/be6b7366/life_insurance_in)
has announced the addition of the "Life Insurance in South Africa, Key Trends and Opportunities to 2016: Micro Insurance Programs and Rural Insurance Penetration Key to Market Expansion" report to their offering. South Africa is the largest insurance market in Africa, dominating the region with nearly 80% of the total direct premium in both the life and non-life segments. According to the Swiss Re-Sigma World Insurance in 2010' study, South Africa is among the world's top 20 emerging insurance markets, which indicates promising growth in the next decade. The significant growth in the South African life insurance industry over the review period can be attributed to key growth drivers such as a decade-long growth in GDP, rising awareness of insurance among poorer communities, rising disposable incomes in the middle classes, the rapid expansion of financial services in rural areas, increased insurance purchases due to high crime rates, and liberalized regulations Key Highlights - South Africa is the largest insurance market in Africa, dominating the region with nearly 80% of the total direct premium in both the life and non-life segments - Largely unaffected by the global economic crisis, the life insurance segment had showed healthy growth during the review period (2007-2011) - The rapid expansion of distribution channels across rural South Africa has driven sales growth for the insurance industry - A new regulatory regime for South African insurance companies named Solvency Assessment and Management' (SAM), is expected to be implemented by 2014 - The South African life insurance market is dominated by four large competitors and a multitude of smaller niche competitors Key Topics Covered: 1 Executive Summary 2 Introduction 3 South African Insurance Industry Attractiveness 4 Life Insurance Market Outlook 5 Analysis by Distribution Channel 6 Regulatory Policies 7 Porter's Five Forces Analysis - South African Life Insurance Market 8 Reinsurance Growth Dynamics and Challenges 9 Competitive Landscape and Strategic Insights 10 Business Environment and Country Risk 11 Appendix Companies Mentioned - Old Mutual Life Assurance Company (South Africa) Limited - Coronation Life Assurance Company Ltd - Momentum Group Limited - Liberty Group Limited - Discovery Life - Investec Assurance Ltd. - Sanlam Life Insurance Limited For more information visit http://www.researchandmarkets.com/research/be6b7366/life_insurance_in http://www.businesswire.com/news/home/20120313005100/en/Research-Markets-Life-Insurance-South-Africa-Key Snapshots from Acts -Number 2- How the Church Grew.
The Church was established in response to the preaching of the Gospel on the day of Pentecost as recorded in Acts chapter two. In Acts 2:37-47 on the question of "What must we do" the answer by Peter is recorded; "Repent and be baptized every one of you in the name of Jesus Christ for the forgiveness of your sins and you will receive the gift of the Holy Spirit." This comes after Jesus had sent his disciples out to all nations with the "Great Commission"; "Go and make disciples of all nations, baptizing them in the name of the Father and the Son and the Holy Spirit, teaching them to obey everything I have commanded you". (Matthew 28:18,19). Luke states it as follows in his Gospel in 24:47; " and repentance and forgiveness of sins will be preached to all nations, beginning in Jerusalem." Then follows the account in the Book of Acts of how this was put into action and if one were to describe the early church in one word, perhaps "growth" could be used? In fact one of the really amazing Insurance South Africa facts about the early Church was how fast it grew. Let's look at the examples in Acts: Acts 2:41- Many believed and 3000 saved. Acts 2: 47 - Every day God added to their number. Acts 5:14 - Multitudes of both men and women were added to their number. Acts 6:7 - The word of God spread and the number of disciples multiplied greatly and a large number of priests became obedient to the faith. Acts 9:31 - The church grew in numbers. Acts 11:21 - The Lord was with them and a great number of people believed and turned to the Lord. Acts 12:24 - The word of God continued to spread and grow. Acts 16:5 - And so the churches were made stronger in the faith and grew in numbers every day. Acts 19:20 -The word of the Lord grew mightily or "spreading and growing stronger". Acts 21:20 Thousands of Jews have believed. Questions we need to look at include "Why the fast growth then?" "How did they do it?" "What about today?" The following factors seem to stand out in this rapid growth as recorded in the Book of Acts. 1. Growth in numbers always seemed to come with the spreading of the word. Preaching was mostly done to the lost.(5:42) 2. The Holy Spirit was active and working in the proclamation of the Gospel.(4:8,31) 3. Members were active in the process on a day to day basis. When persecution broke out they took the message with them as they fled. (8:4) 4. Sharing of the message was important. Everyone had a part in the excitement of the "Good News".(5:27-29) 5. The example set by the believers had an impact. People could see they had "been with Jesus".(4:13) 6. When opposition came, the church continued to grow. As the people fled from persecution they never stopped teaching and proclaiming the good news about Jesus and who He is.(5:42) 7. God was involved through the Holy Spirit working in and through the members. Stephen was filled with the Holy Spirit as he proclaimed the message. (7:54-56) 8. Prayer was central to their message. The early disciples prayed and preached. (2:42; 4:24; 10:4,9) What is different today? Are there advantages to being a Christian today? What about disadvantages? Why is it so hard to convince people about the truth. Obviously the many different teachings and churches today confuse people who are seeking the Lord. Humanism and a general rejection of spiritual reality has confused many and resulted in many rejecting the possibility of eternal life and salvation. While many have accepted the general principles as taught by Jesus, the truth about salvation and forgiveness of sin does not go down well in a world where the idea of absolute truth about right and wrong as revealed in the Bible is rejected. Everyone is a law unto themselves and what feels right must then be right. The law of subjective judgement rules. No one has the power or right to tell me what is right or wrong. The world in the time of the early Church, as described in the Book of Acts, was perhaps simpler in many ways and so people believed easier. That does not mean that the message is any less relevant today than it was then. References: Bible quotations are usually from the NIV translation or of my own from the Greek text. DUBLIN--(BUSINESS WIRE)--Research and Markets (http://www.researchandmarkets.com/research/xdtqtx/governance_risk)
has announced the addition of the "Governance, Risk and Compliance - The South African Insurance Industry" report to their offering. 'Governance, Risk and Compliance - The South African Insurance Industry' report is the result of extensive research into the insurance regulatory framework in South Africa. It provides detailed analysis of the insurance regulations for life, property, motor, liability, personal accident and health, and marine, aviation and transit insurance. The report specifies various requirements for the establishment and operations of insurance and reinsurance companies and intermediaries. The report brings together research, modeling and analysis expertise, giving insurers access to information on prevailing insurance regulations, recent and upcoming changes in regulatory framework, taxation and legal system in the country. The report also includes the scope of non-admitted insurance in the country. Summary: The report provides insights into the governance, risk and compliance framework pertaining to the insurance industry in South Africa, including: An overview of the insurance regulatory framework in South Africa. The latest key changes and changes expected in South African insurance regulatory framework. Key regulations and market practices related to different types of insurance product in the country. Rules and regulations pertaining to key classes of compulsory insurance, and the scope of non-admitted insurance in South Africa . Key Highlights: The South African insurance industry is supervised and regulated by the FSB. The placement of non-admitted insurance is permitted only with an approval from the FSB, provided no other insurer is providing such insurance at equitable terms. The key classes of compulsory insurance include motor third-party liability insurance, aviation third-party liability insurance and public liability insurance. Key Topics Covered: 1 Introduction 2 Governance, Risk and Compliance 3 Appendix Companies Mentioned Life Insurance Ltd Absa Life Ltd AIG Life South Africa Ltd Clientele Life Assurance Company Ltd King Price Insurance Company Ltd Clientele General Insurance Ltd Absa Insurance Company Ltd. African Reinsurance Corporation (SA) Ltd General Reinsurance Africa Ltd RGS Reinsurance Company For more information visit http://www.researchandmarkets.com/research/xdtqtx/governance_risk The widely touted solution to the dire state of American health care is "National Health Insurance."
It's a promising idea: National Health Insurance promises to drastically reduce the administrative costs of insurance companies. It promises to save money on health care. And it promises to work more effectively than our current system, which is currently so strongly defended by the bureaucrats who run it. They promise to save money and give those with less money better care. But lost amid the debate over a new system of health care, and whether it would or would not save money and would or would not serve everyone more equally, are the two fatal flaws in the U.S. health-care system. These flaws are often overlooked when health-policy experts talk about changing our current system. The first is that much of the billions of dollars we spend goes to the doctors, the insurance companies, administrators, the pharmaceutical industry and other purveyors. And you -- the patient -- are the last to be served. The second flaw relates to why we have health insurance. The abiding principal of health insurance is to share the risk of untoward, unexpected events that would be catastrophic without insurance. In other words, we contribute so that if one of us gets seriously ill beneficial recourse will be readily available. But in truth, American medicine does so much today that does not work and does so little that actually makes the sick get healthier. In fact, most of the insurance dollars that are not swallowed by administrative and other costs pay for medical interventions that simply do not work. As I discuss in my recent book, "The Last Well Person: How to Stay Well Despite the Health-Care System," American medicine leads the world in doing the unnecessary very well. The blame is not with doctors, nurses and health-care providers; most would serve their patients ethically and compassionately were it not for the financial, organizational and policy constraints placed on them by the entrenched and powerful American "institution" of medicine. This leaves you, the patient, on your own. And you are the only hope for graceful and rational reform. What are you supposed to do? No one should assume that the "standard of care" is good for us. The critical question is not whether something can be done, or is done, or is affordable? We must each learn to question whether the "standard of care" will afford a meaningful outcome with a meaningful likelihood. If it's not effective, it's not worth it at any price. There is a wealth of science that informs our decision to accept treatment. All we need to do is ask the critical question. When there's evidence for benefit, is the amount and likelihood of benefit sufficient for me? We all need to think like this. We need to demand that health plans and regulatory agencies demand effectiveness from medical treatments. If we were to demand effectiveness, many commonly accepted treatments would not be covered. We would no longer pay premiums to share the cost of expensive treatments and tests with questionable effectiveness. What would that encompass? Cardiac bypasses, stents and angioplasties, all elective orthopedics, all spine surgery for back or leg pain, screening for bone mineral density, mammography, all pills for treating diabetes and moderate hypertension, "me too" drugs and many a biotechnological marvel, screening for prostate cancer, screening for high cholesterol, and much, much more. And we'd be better off because they are all ineffective. Furthermore, American medicine would be effective and transparent. This is the way to transform the American patient from cash cow to sacred cow. There need be no misdistribution were this to come to pass. Dr. Nortin Hadler is a professor of medicine at the University of North Carolina at Chapel Hill and author of "Last Well Person: How to Stay Well Despite the Health-Care System" published in 2004 by McGill University Press. http://abcnews.go.com/Health/PrescriptionForChange/story?id=2577974&page=1 |
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