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Friday, February 15, 2019

what is Vehicle insurance- and the Terms and condition that you would encounter during Vehicle insurance

what is Vehicle insurance- and the Terms and condition that you would encounter during Vehicle insurance

Vehicle insurance

Vehicle insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. It’s a protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise therefrom. Vehicle insurance may additionally offer financial protection against as theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying and damage sustained by colliding with stationary objects.

Terms and condition that you would encounter during Vehicle insurance 

list of important vehicle insurance terms you will definitely come across when buying or renewing motor insurance.

  1. Insured Declared Value (IDV)

One of the most commonly used insurance claim terms, IDV is the current market value of your vehicle.
IDV refers to the highest sum payable by the insurer for a vehicle insurance policy. It is thus the maximum amount you can claim in case of total loss of your vehicle, for instance, if it gets stolen or damaged beyond repair.
Tip: Refrain from quoting an IDV lower than the actual market value of your car. Though you may think that would allow you to pay less premium, it may also result in you receiving inadequate compensation.
  1. Own Damage Premium

This is the premium you pay to avail an insurance cover equal to the IDV and forms a major part of your total motor insurance premium.
ODP insures your vehicles against losses caused by events outside of your control. This includes natural disasters like earthquakes and tornadoes, as well as man-made calamities like fires and explosions.
Tip: The ODP differs according to the model, cubic capacity, geographical zones, etc. of the vehicle so make sure you specifically ask about it.
  1. Zero Depreciation Cover

When you make motor insurance claims, standard insurance policies deduct depreciation on replaced parts. However, if you opt for a Zero Depreciation cover, insurance companies waive off depreciation on such replaced parts, which means that you get a higher claim amount.
Tip: This cover is generally only applicable to the first few motor insurance claims. Thus, though it may demand a steeper premium, it’s advisable to opt for it given that the claim amount is considerably higher.
  1. No Claim Bonus (NCB)

One of the most commonly used vehicle insurance terms, this is essentially the discount you become eligible for when you have not made a claim in the previous year- kind of like a reward for the prudent use of your vehicle. This discount considerably lowers the insurance premium you need to pay when you’re renewing the policy.
Since the NCB discount amount can be quite large- starting* at 20% for the 2nd year and up to 50% for the 6th year, it’s worth refraining from registering a claim for minor damages, and instead of holding out for the NCB.
Tip: The NCB can generally be transferred from one insurance company to the other but is only allowed if the policy is renewed within 90 days of the expiry of the previous policy, so make sure you claim it as soon as possible.
  1. Third Party Cover

Another popular insurance claim term that is used is Third Party cover. This cover protects the vehicle owner against any financial liability as a result of death, physical injury or damage to the property of a third party. The term’ third party’ is used because the beneficiary of the policy is someone other than the two parties involved in the contract i.e. the vehicle owner and the insurance company.
A victim can thus file a third party cover claim against the owner of the vehicle, and the latter’s insurer will pay for this claim on their behalf.
Tip:  According to Indian Law, third party cover is mandatory when you’re buying a car, so to ensure that it’s a part of your contract with your insurer.
  1. Personal Accident Cover

Beyond just your vehicle, Personal Accident Cover financially safeguards you against unforeseen events causing bodily harm, such as Accidental Death or Permanent Total Disability arising due to a road accident.
Tip: Not every motor insurance policy includes personal accident cover so it’s absolutely essential you make sure yours does.
So, the next time you’re buying or renewing your motor insurance, keep this simple glossary of vehicle insurance terms handy so you don’t feel cheated or played on.
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Thursday, January 24, 2019

UFC 218: Holloway vs. Aldo 2


UFC 218: Holloway vs Aldo 2,coming this week has a great match card lined up for its UFC Fans. It’s going to be Holloway vs. Aldo 2
The match card at UFC 218 is as follows and will be held on December 2, 2017 at Little Caesars Arena in Detroit, Michigan USA.

FeatherweightMax Holloway (c)vs.José Aldo
HeavyweightAlistair Overeemvs.Francis Ngannou
FlyweightHenry Cejudovs.Sergio Pettis
LightweightEddie Alvarezvs.Justin Gaethje
Women’s StrawweightTecia Torresvs.Michelle Waterson
UFC 218: Holloway vs Aldo 2
In this article, I will share my opinion and views on the main fight featuring the current UFC Featherweight champion Max Holloway vs  José Aldo 2 at UFC  218
UFC 218: Holloway vs. Aldo 2 rematch
Max Holloway heads into the UFC main event having previously beaten Jose Aldo. He would be defending the title again against the highly technical and talented Jose Aldo. Max Holloway has a record of 18 wins-3 losses, while Aldo has a record of 26 wins -3 losses.
In the previous match between Max Holloway vs  José Aldo
Aldo in the opening round waited in the middle of the Octagon for Holloway to engage. Even though  Aldo had almost got Holloway shaken in the first round with a serious of punches in round 1 with the cheering fans from his fellow country Brazil, he couldn’t  take Holloway down and he was able to recover and protect himself from Aldo.
While the first round was Aldo’s, Holloway came out with a lot more determination in the second round and took the match to Aldo and won the round.
In the third round, Holloway looked composed as the momentum in the fight started to shift. He went on the attack, with Aldo backing away feeling tired in the third round. Holloway  started putting in the combinations and took the fight to a whole new level, showing the fans what he was capable of in the octagon. Finally, Holloway unleashed a nasty four-punch combination in rapid-fire fashion and ending the match with the referee stopping the match.
Coming this Dec 2, 2017. UFC 218: Holloway vs. Aldo 2- The rematch between them is what all the UFC fans will be looking for and the match card doesn’t seem to disappoint the fans.
While Aldo has said that he would defeat Holloway and become the champ and therefore set a trilogy to the fight. It could be possible if Jose Aldo could bring back his leg kicks and his relentless pressure on his opponents with constant movement and punches which the veteran his known off.
Max, on the other hand, looks confident going into the fight, the fans also admire the guts and the passion that he is known for, as the match was initially between Jose Aldo Vs Frankie Edgar, but as Edgar was injured and Max Holloway never thought twice to step in. Holloway has a lot of weapons in his armor including kicks, combinations, lethal punches and also a good ground game. Although it’s going to be a close fight, its sure would keep the audience on the edge of the seat. I personally believe that Holloway has an edge in this match.
UFC 218: Holloway vs Aldo 2
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Disclaimer: I do not own any rights to the images used, it solely belongs to the copyright holder.Please note that no part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Monday, January 14, 2019

Things Nobody Told You About Football and it’s history HISTORY OF FOOTBALL, ABOUT FOOTBALL – LEARN MORE BY VIMAL THILAK

ABOUT FOOTBALL
Football is world’s favorite game. It’s called soccer in the United States and Canada.
It is a team sport played between two teams of eleven players each with a spherical ball. It is played in 200 countries. The game is played on a rectangular field with a goal at each end of the pitch. The object of the game is to score at the opposite Goal end.
Players are not allowed to touch the ball with their hands or arms while it is in play, goalkeepers can use their hands and they guard the goal by not letting the goal at their post end. The team with the higher goal than the opponent is the winner. If at the end of the time, the score is level then either a draw is called or the game runs into extra time or a penalty shootout depending on the format of the competition. The match is officiated by 4 referees. 2 linesmen at each half of the pitch to decide on the offside and foul committed and one field referee who runs on the field. The other is the one who initiates and monitors the extra time of the play and who initiates the substitution
A standard adult football match consists of two half’s of 45 minutes each, known as halves. Each half is played continuously; the clock is not stopped when the ball is out of play. There is generally a 15-minute half-time break between halves. The end of the match is known as full-time. The referee is the official timekeeper for the whole match.
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HISTORY

Football history spans more than 100 years. It was started in 1863 in England. Although it was initially a popular peasant game, over a period it has become the most popular sport in the world.
Football like the sport was played in the ancient times; A kind of Football was also played in China in the second and third century BC during the period of the Han dynasty. In Japan, football-like sport can be traced to some 500 to 600 yrs.
In Greece dating back, some 700-800 years. It is believed that the Romans had taken the sport to other countries including  England.
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Disclaimer: I do not own any rights to the images used, it solely belongs to the copyright holder. Please note that no part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Tuesday, December 25, 2018

HISTORY OF UFC, ABOUT UFC – How it all started | UFC Everything You Should Know

 

UFC Everything You Should Know

HISTORY OF UFC, ABOUT UFC – How it all started

HISTORY OF UFC, ABOUT UFC

The Ultimate Fighting Championship (UFC) is an American mixed marital arts organization based in Las Vegas, Nevada. The tournament features martial artists from different disciplines facing each other in no-holds-barred combat to determine the champion. UFC matches vary depending on whether the match is for a Championship title, or is a fight card’s “main event” fight. In all fights, each round can be no longer than five minutes. Championship fights last for a maximum of 5 rounds. Else it is 3 rounds.
The UFC stages the fight in an eight-sided enclosure officially named “The Octagon”.
All competitors fight in approved shorts, without shoes. Tops are only for female competitors. Required safety equipmentincludese padded gloves, mouthguard, and protective cups held in place with a jockstrap for males. The open-fingered gloves have at least 1″ of padding around the knuckles. To ensure compliance, fighters are checked by a State Athletic Committee official before being allowed to enter the cage/ring.  The scoring system is an ten-point must system is in effect for all UFC fights; three judges score each round and the winner of each receives ten points while the loser receives nine points or fewer.
About UFC

History of the UFC

The UFC was originally started by Art Davie and Rorion Gracie. Royce Gracie, the brother of UFC founder Rorion Gracie, was hand-picked to represent his family. And he made the family proud by winning 3 of the first 4 events.
The first event was held in 1993 at the McNichols Sports Arena in Denver, Colorado. The purpose of the early Ultimate Fighting Championship competitions was to identify the most effective martial art in a contest with minimal rules between competitors of different fighting disciplines like boxing, Brazilian jiu-jitsu, Sambo, wrestling, Muay Thai, karate, judo, and other styles.
The Ultimate Fighting Championship (UFC) is the undisputed world champion when it comes to mixed martial arts promotion, producing more than 40 live events annually worldwide. MMA embodies disciplines from different martial arts and Olympic combat sports, like boxing, kick-boxing, karate, judo, jiu-jitsu, wrestling and muay thai. During the infancy of UFC, the brutality of its early rules drew a lot of attention along with criticism that led to ban and cable network cancellation. UFC became popular under Zuffa LLC with new rules inside the octagon cage, sanctioned by Nevada State Athletic Commission in 2001, bounced back to pay-per-view television and continue to grow in the digital age of internet and social media.

How UFC was started







UFC



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Disclaimer: I do not own any rights to the images used, it solely belongs to the copyright holder.Please note that no part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Friday, December 14, 2018

Christmas Blog - Christmas in Bangalore,India during the 20th Century- then and now

Christmas blogs

In this Christmas blog,I would like to share my experiences of the Christmas season over the years from my childhood.(Christmas in Bangalore, India during the 20th Century- then and now)

I was born in the in the generation between the 80’s and 90’s in Bangalore, India. Where there was less Digital technology. Christmas was celebrated in a different manner back then. There were more gathering of people and a bit old-styled look to the festival, unlike today were there is less physical affection and more of spending money lavishly, diminishing the spirit of Christmas.

The people during our time were more into Outdoor games like cricket, football, basketball, hockey etc and into extracurricular activities. Most of the houses had a Television with DD network and a BSNL telephone. We were glued to few programs, particularly during the weekends. There were good shows back then.
 christmas blog in bangalore
Just before the start of December people would hang the stars on the outside and would get the cribs ready for the Christmas season. People would build cribs on their own.
Before the start of Christmas, there would be people going from one house to the other singing carols and in turn praying for their families and distributing gifts, calendars, and other merchandises.
christmas blog in bangalore

Christmas which falls in the month of December is a holiday of celebration. It a season of very high significance for many people belonging to the Christian faith(Christianity). Christmas is to acknowledge, remember, honor and respect the savior of this world, Jesus Christ birth. Who was sent by the Lord as a sacrifice for the sins of every Humans. Christians have always contributed to the overall development of the country. They have established several prominent hospitals, colleges, school, Institutions for which people give preference to, old age homes, rehabilitation centers, homes to the poor, free food for the needy to name a few.

During our school days in the 2000’s just before the start of the month the teachers would pile up assignments for us to complete as we would get a good 7 to 10 days of holidays for Christmas. I and my friends would go and visit our friend’s home and enjoy the festive season. Back then most of the household had a cycle and the head of the family had a Two wheeler, Car was a luxury. We used to drive fearlessly in our cycles, as Bangalore was less crowded and our parents would not object.

We would spend hours and hours of time on the playground, as we had plenty of open places to play. We would call our friends or plan with them well in advance and would go to their homes to meet them in person. I would end up going to my Grandmother’s home in Cox town were there was a sizable Christian population, the house close by had a fully grown X-mass tree on which the decoration would be done. In the night I would end up gazing the stars and the decorated X-mas tree in awe and believe me these moments is something which is very memorable to me even now. The People would attend the night and morning masses at churches along with their friends and families, the neighbors would then distribute plum cakes, chocolates, gifts and homemade Mutton /chicken biryani to the non-Christian families around on the eve of Christmas. The kids in our locality would enjoy by going to parks, street shopping, singing, and merrying. I remember walking to Coles Park on many occasions along with my aunt on many occasions to enjoy the nature and the peace that it once stood, we would see many people skating, the birds chirping, singing. People exercising, sitting, eating and ending in long conversions.
christmas blog in bangalore
In our time we had good programs, premier of cartoons through which we learned the English language which in turn instilled values like honesty, patriotism, respect, hard work and other qualities which many of the people during our era would relate to. A few examples of cartoons during our era being GI Joe, Swat Kats, Johnny quest, Yogi bear, Top cat, He-man, Transformers, Dragon Ball-Z, Ninja robots, Birdman, Space Ghost, Teenage mutant ninja turtles to name a few.Also We would be glued to our TV’s feeling exhausted from playing sports. Most of the cartoons would reflect Christmas, which would feature Christmas related themes and Christmas movies and messages during the season of Christmas. And movie channels would reflect the same by premiering movies of Jesus and other Christmas oriented movies. The Joy of Christmas would continue to the end of December.Thank you for reading my Christmas blog, please like, share and comment my article if you liked this article.

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Disclaimer: I do not own any rights to the images used, it solely belongs to the copyright holder. Please note that no part of this publication may be reproduced, distributed, or transmitted in any form or by any means, including photocopying, recording, or other electronic or mechanical methods, without the prior written permission of the publisher, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.

Tuesday, December 11, 2018

BURNING TONGUE TREATMENT |GEOGRAPHIC TONGUE CURE | 100% GUARANTEED HEALING FROM GEOGRAPHIC TONGUE | WHITE PATCHES ON TONGUE |BURNING MOUTH| FISSURED TONGUE

BURNING TONGUE TREATMENT |GEOGRAPHIC TONGUE CURE | 100% GUARANTEED HEALING FROM GEOGRAPHIC TONGUE | WHITE PATCHES ON TONGUE |BURNING MOUTH| FISSURED TONGUE

BURNING TONGUE TREATMENT |GEOGRAPHIC TONGUE CURE | 100% GUARANTEED HEALING FROM GEOGRAPHIC TONGUE | WHITE PATCHES ON TONGUE |BURNING MOUTH| FISSURED TONGUE

Geographic tongue or also called burning tongue or white patches on the tongue or Fissured tongue is a map-like appearance on the upper surface and sides of the tongue. It may occur in other areas of your mouth, as well.  For some the tongue would be coated with a white layer, for some, the tongue would be fissured, beefy or thick in appearance, some would have blisters, cancer sores, some would experience dryness and burning sensation on the tongue. If you have the above condition then go no further as this would provide you with the complete solution. Geographic tongue is harmless, it isn’t linked to any infection or cancer.

It affects roughly 1% to 5% of people worldwide, the geographic tongue affects people of all ages. There is no complete cure available through medicines. Rest assured after reading and watching this video, you will be able to get rid of the disease in no time.

What are Symptoms of Geographic Tongue?

The signs of geographic tongue are irregular, smooth, red patches, fissures on parts of the tongue. These patches may vary from one individual to the other:
  • Have a white or light-colored border
  • Vary in size, shape, and color
  • Appear one area, and then move to another area
  • Come and go or change very quickly in days, weeks, or months
  • Last up to a year or more, in some cases the entire lifetime.

Cure-100% guaranteed healing from geographic tongue.

I am making this video so that no one should undergo the trauma that I went through.

Your treatment to Geographic tongue or burning tongue or fissured tongue or white coated tongue starts here and the best part is it's absolutely free.

Before we go to the cure Let’s see What is a Geographic tongue?

Geographic tongue is a map-like appearance on the upper surface and sides of the tongue. It may occur in other areas of your mouth.  For some people the tongue would be coated with a white, yellow layer of papillae, for others, the tongue would be fissured, beefy or thick in appearance, some would have blisters, cancer sores, some would experience dryness and burning sensation on the tongue from the time they wake up until they go to the Bed.
The person suffering from Geographic tongue would have irritation and burning sensation of their tongue, causing them to consume water and fluids. They will experience a bad breath from their mouth due to this disease, Also would experience irritation whenever they consume food, particularly hot, spicy foods. They tend to use the restroom frequently as a result of the consumption of fluids. Might experience a bad stomach, indigestion, gastric issues, feeling hungry due to the generation of more acid in their stomach on most of the days.
The symptoms will last for a week to the entire life of the individual. The doctors don’t have a complete cure for the same. Many of the doctors would prescribe B-complex,iron supplements, vitamin tablets, antibiotics, mouthwash and gels to the patients. But believe me, it will only numb or will cease the pain for the moment or only for a few hours but will not offer any cure for the disease. I am telling so because of my own experience on the same as I am a Geographic Tongue survivor and am having this issue of Geographic tongue for nearly 10 Years.
Many people get panicked as they fear that they have cancer or it will end up in cancer. Although, they have a few cases that have been reported that have to lead to cancer. The chances are very slim and you need not have to worry.
If you have the above condition then go no further as this would provide you with the complete solution. Geographic tongue is harmless, it isn’t linked to any infection or cancer.
It affects roughly 1% to 5% of people worldwide, the geographic tongue affects people of all ages. There is no complete cure available through medicines. Rest assured after reading and watching this video, you will be able to get rid of the disease in no time.
After thorough research and following these steps myself, I have found a natural cure for the same.
signs of the geographic tongue?
  • The signs of geographic tongue are irregular, smooth, red patches, fissures on parts of the tongue. These patches may vary from one individual to the other:
  • Have a white or light-colored border
  • Vary in size, shape, and color
  • Appear in one area, and then move to another area
  • Come and go or change very quickly in days, weeks, or months
  • Last up to a year or more, in some cases the entire lifetime.
  • Yeast infection or white and yellow layer formation on the mouth.

For people who can’t read my complete blog, I have made a video explaining the cure for the same. However, you can also read my complete and thoroughly researched work on the same.

Cure-100% guaranteed healing from geographic tongue.

I had this disease for the past 10 years. The trauma and the suffering which I underwent can’t merely be expressed by words.
  • I have run to and fro to various hospitals, the doctors themselves say that there is no cure. I have also been taking various medicines for the past decade including homeopathy, vaccines, tablets etc. Also researched on the same and found out the healing myself with the help and understanding of the ayurvedic and naturopathy
  • I would have the burning sensation in my mouth till bedtime, white or yellow papillae formation on the tongue. I had to keep consuming water to avoid the pain. As a result, going to the restroom regularly for urination.
As people of 1% to 5% of the world population have this deadly disease. I am providing this article and the video of cure totally free! Free! Free!
As I don’t want anyone to suffer from this disease and also want to prevent in spreading this disease.

Geographic Tongue Cure or fissured tongue or white patches on the tongue/ treatment – The steps to cure

  • Note-Avoid chemical based Toothpaste at all cost, Don’t ignore this tip. This is the only way to heal the Geographic tongue condition. If you ignore this then it can’t be healed.
it is speculated that the chemicals present in the toothpaste causes this geographic tongue as it contains chemicals that are Harmful to the tongue and to the human body. For people who don’t believe this theory, please try researching on the ill effects of the chemicals in the toothpaste.
Remedy 1 and the most important Always! Always! At any cost please use an organic toothpaste which has fewer chemicals ie which doesn’t contain Sodium Lauryl Sulfate and Fluoride. In India, we have much toothpaste which is organic ie free from the harmful ingredients.
If you don’t have either of this available in your country then you can use charcoal or neem sticks for brushing.
This first step itself will enable the tongue and your digestive tract to heal.
I would also request your kids and family to make this transition so their and their future generations don’t generate various diseases.
Toothpaste is 80% the reason for getting the Geographic tongue.
Brush twice- In the morning and before going to Bed.

Aloe Vera- The second most important cure

Aloe Vera helps, Drink Aloe vera juice it on an empty stomach before breakfast as it is more effective.
Extract the gel from an aloe vera leaf and apply it on your tongue. Wait 10 minutes before rinsing it off with lukewarm water. Repeat a few times daily.
In some countries you would get Alovera juice packaged and ready for consumption. In India, we have many companies which produce the same ie Aloe Vera juice.

The 3rd step is the fruits or foods that you consume to aid in the process of recovery from the Geographic tongue

Consume foods which are good for the Digestive track like Honey, Gulkand (made from rose petals in a sweet mix) also called rose petal jam- The regular intake of gulkand aids in severe ulcers, constipation, stomach heat, and heart burning. Also, fruits like Apple, cranberries, grape, watermelon, cucumber, and coconut is good for this condition.
Avoid Tobacco, Hot, spicy, oily, acidic foods or dried, salty nuts as it stimulates the growth of Helicobacter pylori bacteria in excess and causes more acid reflux which makes the condition of geographic tongue much worse.

Remaining remedies are add-ons 

  • Oil Pulling- which means rinsing your mouth with small amounts of oil as it will remove the toxins, bad breath, bacteria from the mouth.
  • Avoid Tobacco, alcoholic drinks.
  • Eat less Non-veg or (meat)-Try to avoid meat if possible, else eat once in a week in very less quantity.
  • Fluid Intake-By keeping your body hydrated, Hydration also stimulates the production of saliva which in turn promotes oral health.
  • Drink an ample amount of water throughout the day. You can also suck on small pieces of ice.
  • Eat frozen chunks of water-based fruits and vegetables like watermelon and cucumber.
  • Drink smoothies, fruit juice or vegetable juice.
  • Drink up to 1 to 2 glasses of coconut water daily.
  • Intake of chilled herbal teas like green or chamomile tea.
  • Avoid sugary drinks, and cut down on regular tea, coffee, and alcoholic beverages.
Finally, if you do want to take medicines for a quick recovery do consult an ayurvedic doctor.
You will start feeling the differences in no time and you will recover naturally and progressively.

Please leave your comments below on whether the tips have helped you. I am a survivor of this disease and have shared this information so that none should suffer from this condition. Drop in your comments below so that i can help you better.