Growth Of The Insurance Sector

Insurance is one of the major and essential financial services sector. The main concept of insurance is managing the risk. Insurance sector generates long-term savings. Insurance sector plays major role in economic development.

The factors which are included in growth of the insurance sector are:

• Macroeconomic growth: Most of the countries are investing large amounts in infrastructure. These factors will create large demand for insurance coverage.
• Privatization and restructuring of government pensions: Privatization programme will serve as a channel for the development of the insurance sector. Reduced role of the state in pensions will also lead to the raising demands for the life insurance and long-term savings.
• Growth of financial services: The demand for insurance products will be increased due to the growth in asset based financing such as home and auto loans.
• Demographics of the region: If population matures the demand for insurance products increase.
• Create awareness about insurance products: The demands of the insurance products increases by creating awareness.

The above mentioned are some of the factors, which can increase the demand of insurance products and also lead to the growth of the insurance sector.

Health Benefits of Surya Namaskar Yoga

Not only practicing yoga, pranayama, and meditation provides benefits to lead healthy life, but also practicing sun salutation exercise (Surya Namaskar) is beneficial in many ways.

Some health benefits of practicing Surya Namaskar regularly are:

• Surya Namaskar involves 12 different bodily postures that must be practiced in particular sequence.
• Practicing Surya Namaskar is useful for the health of digestive system. It stretches the abdominal muscles and helps to dissipate too much belly fat and provides flat stomach.
• Surya Namaskar is the perfect exercise to handle insomnia and linked disorders. It relaxes the mind, which helps to get sound sleep.
• Surya Namaskar practice improves irregular menstrual cycles. Practicing Surya Namaskar guarantees the easy child-birth, which in turn helps to reduce the fear of pregnancy and childbirth.
• Surya Namaskar practice increases blood circulation and helps in avoiding hair graying, hair fall, and dandruff. It also enhances the growth of hair making it long.
• Regular practice of Surya Namaskar helps to dissipate excessive calories and decreases fat. It is a good exercise and easiest way to stay thin and in shape.
• Sun salutation exercise provides glow to face making facial skin bright and ageless. It is the natural solution to avoid attack of wrinkles.
• Regular practice of sun salutation increases resistance (endurance) power. It provides energy and strength. It also decreases the feeling of uneasiness and anxiety.
• Regular practice of Surya Namaskar enhances flexibility in spine and in limbs and makes body flexible.

It is advantageous to perform Surya Namaskar early in the morning. As early morning sunrays are considered as rich source of vitamin D, which is essential for strong bones and clear vision.

Guidelines That Must Be Given To Babysitter

Once you find a babysitter in order to make both you and your child comfortable, it is essential to provide the information, which they require in case of an emergency.

• You and Your spouse's full names must be provided.
• Contact information where you can be reached, and also your cell phone number.
• Information regarding your child's full name, age, date of birth, height, weight, hair color, and eye color (necessary when sitter and child get separated).
• The phone number and address of your house, along with directions or route to it.
• The name and phone number or contact information of your family doctor or pediatrician.
• Information on emergency-services numbers and the poison-control hotline number.
• Information on the place of first-aid supplies, and also the fire extinguisher, fuse box, and flashlights.
• Contact information of neighbors, friends, and family.
• Special medical information regarding food and drug allergies.
• The time at which you can come home.
• Your child's bedtime and bedtime routine.
• Any foods or drinks, which should, or should not be provided to your child.
• Any medications, which should, or should not, be given to your child.
• How to handle your child when he or she misbehaves.
• How to calm your child if he or she is upset.
• Other special information regarding the child, family pets, etc.

The Top Ten Green Cars Watch In 2010

Green cars are fuel efficient and low emission cars. The automotive industry is offering wide range of quality low carbon models in the market.

The top 10 green cars of 2010 are:
1. Peugeot ion electric: It is ion electric car. It contains lithium-ion battery pack. Peugeot is a four-seat electric car. It provides 0-62 mph in 13.0 sec, with a top speed of 87 mph, range up to 81 miles. It is a Zero emission electric car. The batteries will recharge within 6 hours.
2. Nissan LEAF electric: The Nissan LEAF is a zero emission model. It is a small family car with range of more than 100 miles. The lithium ion batteries will get charged up to 80% within 30min.

The both Peugeot ion electric and Nissan LEAF models are fully electric models. And the tax is also nil on this cars.

3. Toyota plug-in Prius hybrid: It is a plug-in hybrid model. Toyota plug-in Prius also uses lithium-ion batteries. It is also reduces the fuel consumption and emission.
4. Audi A1: Audi A1 is released in three different styles. Those are a three-door hatch, a roomier five-door and a convertible. It is a petrol hybrid car.
5. Toyota Auris Hybrid: Toyota Auris hybrid is the smallest hybrid car on the market. It is the first European hybrid model.
6. Citreon DS3 HDi: It was released in Frankfurt motor show. It is more fuel-efficient than the current C3. In addition, it contains three petrol engines.
7. Volvo S60: It contains four cylinders, 1.6 petrol units using high efficiency Gasoline Turbocharged Direct injection (GTDi). The GTDi will improve the fuel economy.
8. Ford C-MAX: It provides more comfort and lower emissions when compared to the 2009 Ford C-MAX. The features of Ford are the sliding doors, flexibility, and innovative seat design.
9. Honda CR-Z hybrid: It is the second generation of CR-Z (Compact Renaissance Zero).
10. BMW 5 series: It is 5th generation model of BMW. It uses the kinetic energy for braking.

What is External Recruitment

External recruitment is recruiting people from outside the business or organization. The selecting candidates may be workers from another firm or organization, freshers who have never worked before, or people who are unemployed. Most businesses hire for job by external recruitment objectively and frequently. These businesses are growing firms and progress in industries with high staff turnover.

Methods of external recruitment for a job may be personal recommendation, job centers, private employment agencies, executive employment agencies, careers advisers or by advertisements. Procedure for external recruitment is publishing advertisement through which readers or candidates come to know about socio-economic group, sex, age, etc that are required for job, so that only eligible candidates can apply. Then application form has to be designed which should be sent to people who will apply for the post. Mostly personnel departments design a standard application form that is suitable for all vacancies.

After receiving all the completed application forms, members of the personnel department examine them to find the most suitable candidates and shortlist candidates for interview. After this, interview is conducted which is usually the main feature of the job selection process. This is the slowest means of recruitment.

Pros And Cons Of Urine Drug Testing

Urine drug testing is very much suitable for repeated random drug testing at home or workplace, because they are cheaper, accurate and very easy to conduct.

Pros: Preliminary urine drug tests can be easily conducted, whereas confirmatory tests are based on a sophisticated technology and they consist of huge scientific base. The results of these tests are correct and reliable. The price of urine drug testing kits is lesser than other type of drug test kits. In urine drug testing kits, cup based drug test kits are costlier than cassette and dip drug test kits. Results can be known immediately and it does not require lab or technician for conducting the drug tests. These drug tests kits can be easily stored and have long service life. They can identify nearly 12 different drugs based on the test kit selected.

Cons: Based on the person and the substance used, generally drug can be detected in 3 days. Urine sample in drug test kits can be easily adulterated or contaminated than other drug test kits. But cup test kits are difficult to adulterate and more reliable. Some donors feel that urine drug tests are embarrassing.

For possible adulteration separate adulteration tests can be conducted.