Life Insurance

Life insurance is intended to bear the insurance against unexpected financial losses caused by the death of his too fast or too long . Here illustrated that in life insurance, the risks faced are :

The risk of death Someone living too long This is, of course, will bring a lot of aspects, if the risks inherent in a person is not insured with insurance companies. For example guarantee for offspring, a father that died prematurely or with a sudden , the child will not be neglected in his life .

It could also happen to a person who has reached the age ketuaannya and not being able to earn a living or pay for their children , then buy life insurance, the risks that may be suffered in terms of lost opportunities to earn a living will be covered by insurance companies . It turns out here that do good life insurance agency with the primary objective is to assume or guarantee the person against financial losses .

Life insurance is a legal contract between two parties, namely the insurance company and the policyholder . This ensures that the recipient receives financial support in the event of the insured 's death or accident . Term insurance policy states that the policyholder agrees to pay a certain premium at regular intervals .

Life insurance depends on a number of factors, including age, income, expenses, loans, number of dependents, health, etc. It is mainly of four different types, universal life insurance, term life insurance, whole life insurance, life insurance and endowment . Described in detail below is offering life insurance benefit . In general, the insurance system offers you a solution where you can guarantee your future financially and Life Insurance offers some kind of solution to the needs of your life in the future. This type of insurance is also available in various types and the choice depends on your needs.

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Auto Insurance

This insurance is something that all drivers must get all day, every day when driving out and on the road. Nowaday, everyone is obliged to have accident protection most in every U.S State. Here are 5 great reasons not to think like "goodness, its alright, i never hit anybody in my life"

1. On the off chance that you don't have your evidence of having collision protection scope when the cop appeal, be arranged to pay for an enormous fine! It totally will be at any rate $500 or more. Regardless of the fact that you have your verification of accident protection, you ought to dependably keep it in your auto all day, every day when you're out and about. Since on the off chance that you don't, be arranged to have your reference closed down by a cop, then bring it to your neighborhood court and pay $10. At the same time recall to verify you accomplish it whenever in the eyes of your court date that is composed on your ticket. I'll let you know a decent motivation behind why! In the event that you miss your first court date, the $10 will be $370 in fine. What's more in the event that you miss your second court date, the $370 will be near to $1000 in fine. Trust me or not, it did befall me.

2. When you get into a pile up with you at flaw and without accident protection, you are going to be in a bad position with the DMV and your fianance when the police come to do the mischance report. First and foremost, you may get your auto towed and permit suspended in the event that you tell the cop that you don't have collision protection scope. On the second, you will likewise need to pay for expense of all harms brought about in the mishap, which are the settling expense for the auto of the individual you hit and the expense of remuneration for his or her damage if created by the mischance. Also believe me on this, 95 percent of the time you will, regardless of the possibility that that individual is not by any stretch of the imagination harming or experiencing the mishap. He or she could at present go to the specialist to have examination or treatment, and the more drawn out the treatment last, the more cash you're going to pay. Taking into account what i evaluated as the normal, one minor mishap without anybody getting damage will at any rate cost you $10,000. Be that as it may in real mishap when somone is truly harmed or injuried that he or she must be hospitalized, i'd say its in the scale of $30,000 - $100,000 that you will need to pay. Also you will go to prison in the event that you don't pay for it.

3. It's generally sheltered to realize that you are protected for yourself as well as for other individuals around you. You could simply feel safe and not stressed realizing that you have accident coverage scope. Accident protection Coverage doesn't generally cost that much in case you're a decent driver with no tickets or any at issue mischances. Espeically for youthful young driversarticle Submission, it could cost generally as low as your telephone bill on the off chance that you know the right accident coverage organizations.

Language of Chemistry

The universe is composed of matter and energy. Matter and energy are inter-convertible to each other. The branch of modern science which deals with the study of composition, transformation and property of matters is known as Chemistry. Chemistry can be classified as:

a.      Physical Chemistry

b.      Iorganic Chemistry and

c.       Organic Chemistry

Element:

An element is defined as pure substance which can neither be decomposed into nor built from simpler substance by any kind of physical or chemical methods. Eg: Hydrogen, Oxygen, Carbon, Sodium etc. The concept of element was first introduced by Robert Boyle.

Atom:

The smallest particle of an element which can take part in chemical change is called an atom. It may or may not be capable of independent existence.

Compound:

A Compound is a substance produced by union of two or more elements in a definite proportion. t can be decomposed into two or more simple substance. Eg:

Water- H2O

Glucose- C6H12O6

Ammonia- NH3 etc.

Molecule:

A molecule is defined as the smallest unit (particle) of any kind of substance, elements or compounds which can exist independently and can possess all properties of substance. Eg: H2, O2, O3, P4, S8, H2O etc.

Homonuclear Molecule: Molecule formed by the combination of similar kinds of atoms are called homonuclear molecule. Eg: O2, O3, P4, S8 etc.

Heteronuclear molecule: Molecule formed by the combination of different kinds of atoms of different elements are called heteronuclear molecule. Eg: CH4, PCl5, H2O etc.

Symbol: Symbol is defined as the abbreviation or shorthand sign for the full name of an element. One or more letter(s) is used to write the symbol of an element.

Eg: Hydrogen        H                                                                                                                                      

      Oxygen            O

      Magnesium     Mg

      Uranium           U

      Vanadium        V

      Antimony         Sb

      Gold                  Au

      Curium             Cm

      Nobelium         No

      Americium       Am

      Plutonium         Pu

Valency:

Valency of an element is the combining capacity of the element which is measured in terms of hydrogen atoms or its equivalent which combine with one atom of that elements. Examples:

Elements       Valency

H                       1

O                      2

N                      3

Al                     3

Ca                    2

Na                    1

Certain elements can have more than one valency that is they exhibit variable valency. Eg:

Fe-  2 and 3

Cu- 1 and 2

Sn- 2 and 4 etc.

The compound in which the metal has lower valency is called an “ ous “ compound while the compound in which the metal has higher valency is called “ ic “ compound.

Eg: Fe= 2 valency FeCl2, Ferrous chloride

      Fe= 3 valency FeCl3, Ferric chloride

Radical:

A radical may be defined as an atom or group of atoms having positive or negative charge and behaves as a single unit in chemical change.  

Some Common Radicals

Monovalent Radicals

1.  Ammonium       NH4

2.  Hydroxide         OH

3.  Cyanide              CN

4.  Nitrite                NO2

5.  Chlorate            ClO3

6.  Amide               NH2 etc.

Divalent Radicals:

1. Carbonate        CO3

2. Oxalate              C2O4

3. Sulphite              SO3

4. Zincate               ZnO2

5. Stannite             SnO2

6. Stannate          SnO3 etc

Trivalent Radicals:

1. Aluminate         AlO3

2. Arsenite            AsO3

3. Arsenate           AsO4

4. Ferricyanide     Fe(CN)6 etc.

Dalton’s Atomic Theory: (John Dalton, In 1808)

Postulate:

1.      All matter consists of extremely small individual particles called atoms.

2.      Atoms of same elements are all alike.

3.      Atoms of different elements are entirely different and have different properties.

4.      Atoms can neither be created nor be destroyed, it can only be transformed to one form to another.

5.      Atoms combines together in simple whole number ratio to give compounds.

6.      The relative number and kinds of atoms are constant in a given compound.

Stoichometry:

Stoichometry is the branch of chemistry which deals with the weight relationship in chemical reaction and weight relationship that prevails in a chemical compound.

Law of Chemical Combination:

1.      Law of conservation of mass

2.      Law of definite proportion

3.      Law of multiple proportions

4.      Law of reciprocal or equivalent proportions

5.      Law of gaseous volume