Orphanage Volunteer Programs in India, Nepal, Kenya, Tanzania, Ghana, Vietnam, Sri Lanka, Peru, Ecuador, Bolivia and more starting at USD200

Description: Volunteers are needed to help in orphanages across Asia and Africa. Volunteering Solutions provides truly affordable volunteering work at orphanages in India, Nepal, Kenya, Ghana, Tanzania, Vietnam, Philippines, Sri Lanka, Cambodia. Our programs are from 2-24 weeks in duration and run throughout the year, to help the local NGO's running these orphanages. We provide low cost affordable volunteering experience, starting at only 200 dollars, including 100% comprehensive Insurance.

Volunteers can also join our exciting Summer Volunteer Programs for 2010-2011 in many countries which involves language orientation, working with children at an orphanage and traveling all combined in a 4 week exciting program.

Volunteers work alongside local staff and directly with the children helping in teaching, playing sports, games and doing art and craft activities. Children at these orphanages are a mix of girls and boys and are from 1 - 16 years of age. They keep special to know that the world cares for them so much and this brings a smile to their faces. Volunteers make a significant difference to the lives of these deprived children. Giving them love and care is what is needed most. On the other hand volunteers also help the local staff in daily work at the orphanage.

Volunteering at an orphanage to help orphans is a truly amazing experience and will make a difference in both yours and the children you work with. Go on make a difference! Volunteer Now!

Highlights: Highly and truly affordable programs starting at only 400 dollars for a week, including Insurance. We provide volunteer work where it is needed most, working with local NGO's who need help and support in all the countries we work in. Since we are based in Asia and specialize in working in Asia and Africa, no other company can offer such low costs combined with world class services. More than 100 volunteers have joined us in the past 4 months and have discovered what true volunteering is.

Qualifications: You need to be a minumim high school pass out to be a part of this program. No formal training is required, your love affection and the heart to help others is what matters the most.

Minimum Education: High School

INSURANCE COMPANIES NEPAL

INSURANCE COMPANIES RUSSIA Alliance Allianz is one of the leading insurers and financial services providers worldwide. AIG Russia American International Group, Inc. (AIG), a world leader in insurance and financial services, is the leading international insurance organization with operations in more than 130 countries and jurisdictions. AIG companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. ROSNO Insurance ROSNO Group is one of the largest insurance groups in Russia. It comprises ROSNO, a universal insurance company of the federal level, and its subsidiaries such as ROSNO-MS insurance company, ROSNO-Centre reinsurance company, Allianz in Ukraine, Allianz ROSNO Life insurance company and Allianz ROSNO Asset Management company. APOSTLE APOSTLE — the independent insurance broker. Our priority is the interests of the client.APOSTLE offers insurance of risks which can arise during the erection of building from the moment of foundation laying up to the project handover. URALSIB Insurance Group Currently, there are four insurance companies operating under the URALSIB brand, which make up URALSIB Insurance Group. These are: URALSIB Insurance Group, URALSIB Medical Insurance Company, URALSIB Life, and Law-Enforcement Agencies-URALSIB Insurance Group. Vista Alliance Insurance Agency Vista Alliance insurance agency offers a universal range of services, including both corporate programs and a wide range of insurance products for individuals. SOGAZ Insurance Group Founded in 1993, the SOGAZ Insurance Group is now one of the oldest insurance companies in the Russian Federation, capitalizing on its wealth of experience gained over many years of operating on the national financial market. It is also Russia’s major all-round insurer, providing a whole range of insurance schemes and packages to many clients throughout the country. Safe Insurance Line Insurance giant American International Group has agreed to pay more than $1.6bn (920m) to settle state and federal charges of accounting abuses. International Life Insurance Agent Association ILIAA - is an international association of insurance, bank, trading business participants, as well as insurance, brokerage and trading companies agents and employees acting in the field of financial services (including long-term life insurance) and in other specialized trading markets. Russian Insurance Centre The Russian Insurance Centre is in the top 20 Russian insurance companies for corporate insurance. The licenses of the Federal Service for Insurance Supervision – ? ?0159 77 and ? ?0159 77 and the licenses of the Federal Security Service and Foreign Intelligence Service of Russia allow the Russian Insurance Centre to administer over 70 types of insurance activities including those that involve information classified as state secrets. ING Life Insurance ING plans offer a range of savings and protection products to the Russian middle class mostly via a network of tied agents in Moscow, St. Petersburg and other large cities. GEFEST Insruance Joint-Stock Company "GEFEST" is among the first insurance companies that started comprehensive CAR and EAR insurance in Russia. We've gained a large and unique experience in the big units' construction insurance. We've insured the construction of Moscow and St. Petersburg ring roads, the transfer and reconstruction of Moscow historic bridges, highways and transport links in Moscow, Siberia, Caucasus, port on the Baltic sea, the building of the government of Russia and many others. P&I insurance Protection and Indemnity (P&I) insurance has developed over the last 200 years in response to the need amongst shipowners for insurance cover for risks not recoverable under standard hull and machinery policies. AL Insurance Services «AL Insurance Services» has been a partner of Assurex Global in Russia since 2001 providing services and advice to both domestic and international clients . INSELIA - Insurance Services Welcome to the Inselia Group web page – a group of companies created by professionals for professionals. Our aim is to bring the sales of the financial services to perfection, mainly focusing on insurance products. EUROPOLICY Insurance Company EUROPOLICY Insurance Company was formed with the specific purpose of providing, to Russian and C.I.S. businesses and to international companies operating in Russia and C.I.S., insurance protection which complies with recognized international standards. This means that policy terms and conditions are similar to those found in Europe and financial security is guaranteed by the purchase of reinsurance protection from recognized international reinsurers. B2B-Avia Insurance Services Information-analytical and trading-operational system B2B-Center, B2B-Avia Insurance Services provider in Russia. INTERIS - International Insurance Services We are an insurance broking company, able to cater for insurance needs mainly marine insurance over a very wide time zone, in fact from Paris or Saint Petersburg to Tahiti passing either through Los Angeles or Vladivostok. Asko Insurance Company Asko Insurance Company operating in Russia. The Ingosstrakh Insurance Company The Ingosstrakh Insurance Company has been at the top of the Russian insurance market for 55 years. The network of the Company covers 100 units in Russia, 11 companies in the CIS and the Baltic States and 13 organisations overseas. Prime Insurance Prime Insurance, One of the leading insurance company serving in Russia. Soglasie Insurance Company The Soglassye Insurance Company (formerly known as Interros-Soglassye) was founded in September 1993. It has more than 10 years' experience in the insurance market. Corporate internal policy has made it possible for us to maintain our leading positions in the insurance market and increase the number of our policyholders each year. In accordance with Licenses No. ? ?1307 77 and ? ?1307 77 issued by the Russian Finance Ministry, which permit it to engage in the business of insurance, the company is currently able to offer 90 types of insurance cover. Inter-Polis Russian Insurance Company Inter-Polis Russian Insurance Company serving in Russia. Lexgarant Insurance Company Lexgarant Insurance Company leading insruamce company serving the Russian nation. Novorossiysk Insurance Company Nostra Ltd. Novorossiysk Insurance Company Nostra Ltd. was established in 1992 by Ingosstrakh (Moscow) and Novorossiysk Shipping Company (Novoship). Acting as an insurance company, Nostra started to work as a correspondent of P&I Clubs at Novorossiysk and Tuapse ports. Over the years Nostra has gained substantial and unique experience in providing insurance, P&I Correspondent's and surveying services for various Clubs and clients and it continues to develop as a customers-oriented company. SEVERNAYA KAZNA Bank SEVERNAYA KAZNA Bank is the main body of a large Financial Industrial Group that comprises an audit company, an insurance company, a leasing company, a real estate agency, an industrial holding, and a pension fund. Limited Liability Insurance Company Ingosstrakh-M Specialized company LLIC Ingosstrakh-M was established in 2004 for the purpose of providing compulsory medical insurance services in the RF regions. Pursuant to license No 3837 77 issued by the Federal Insurance Surveillance Service, the company renders services in compulsory medical insurance and insurance of pharmacological support of polyclinic and inpatient care services rendered to privileged clients. INVESTFLOT Insurance Companyaa INVESTFLOT Insurance Company serving in Russia. Rossia Insurance Company Rossia Insurance Company operating in Russia. Unified Life Insurance Company Unified Life Insurance Company is a stock life insurance company and operates primarily as a re-insurer of life, health and annuity risks written by other companies who do not wish to retain such business.			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INSURANCE COMPANIES RUSSIA

Travel Insurance for Nepal

Nepal Travel Insurance - Review of insurance Nepal

Nepal is one of the most popular trekking destinations in the world and it comes to no surprise considering the back drop of the mighty Himalayas. Kathmandu is the capital and the main base for backpackers and offers everything you would need for a trek.Nepal does have issues at the moment and it is not an entirely safe destination. The best advice is to check your government's travel advice pages (UK foreign office is linked on the right). Travel insurance is essential and you should also consider that many travel insurance policies will only cover you up to 4000m in altitude if trekking. For many of the more popular treks such as the Everest Basecamp or the Annapurna Circuit you will need travel insurance that will cover treks over 5000m.

WorldNomads Travel Insurance for Nepal

A great travel insurance option for Nepal. World Nomads offers a competitive quote for Nepal and is available to residents of many countries worldwide. World Nomads Nepal insurance policy benefits include medical cover, cancellation protection, personal effects & baggage. Nepal Insurance Quotes from £27.00 \ $49.00
> Visit WORLD NOMADS - link not working? TRY THIS

कम्पनी परिचयः नेपाल लाइफ इस्योरेन्स कम्पनी लि.

कम्पनी ऐन २०५३ तथा बीमा ऐन २०४९ अन्तर्गत २०५८/०१/२१ मा पब्लीक लिमिटेड कम्पनीको रूपमा स्थापना गरिएको यस एन.एल.आइ.सी. निजि लगानीकर्ताहरू द्वारा स्थापना गरिएको नेपालकौ प्रथम अग्रणी जिवन बीमा कम्पनी हो। नेपालको ख्यातीप्राप्त व्यवसायीक तथा व्यापारिक घरानाहरूको समूहबाट संचालीत यस कम्पनी व्यवसायको नौं वर्ष भित्रै अत्यन्तै राम्रो व्यवसायीक कारोवारमा रेकर्ड कायम गर्न सफल भएको छ र यसै कारण कम्पनीको स्थान अत्यन्तै सवल रहन पुगेको छ।
यस कम्पनी अधिकृत पूँजी रू.१०० करोड रहेको छ भने चालु पूँजी तथा चुक्ता पूँजी क्रमशः रू.५० करोड र ३० करोड रहेको छ । साथै शेयर धनीहरूलाई निकट भविष्यमा ४:१ का दरले हकप्रद शेयर प्रस्ताव गरिने छ ।
२०६६, मंसिर मसान्त सम्ममा यस कम्पनीले रू.३४४४.८८ करोड मूल्यको २,८३,२४५ बीमा गरेको छ । बीमा समीतीको नियम अनुसार यस कम्पनीले आफ्नो कुल पूँजीको रू.४७५.८४ करोडको लगानी गरिसकेको छ ।यस कम्पनीले विश्व बजारको ख्यातीप्राप्त, जर्मनीको पुर्नबीमा कम्पनी “ह्यानओभर रि-इन्स्यूरेन्स कम्पनी” सँग पूर्नबीमा गरेको छ।

बीमा योजनाहरू
सम्पर्क
सुरक्षित जीवन बीमा

धनवर्षा जीवन बीमा

सामूहिक जीवन बीमा केटाकेटी जीवन बीमा

जीवन लक्ष्मी बीमा जीवन साहारा बीमा जीवन सारथी बीमा बैदेशिक

रोजगार म्यादी जीवन बीमा
नेपाल लाइफ इन्स्योरेन्स कम्पनी ली.हेरीटेज पाल्जाकमलादीजी.पी.ओ.बक्सः ११०३०काठमाण्डौं, नेपाल.ई-मेलः nlic@mos.com.npवेब साइटः www.nlic.com.npफोन नं. ९७७-१-४२२३४४०, ४२४१२१२, ४२२३१८९फ्याक्स नं. ९७७-१-४२४०१४३नक्सा

Who we are

Nepal Insurance Company Limited, a pioneer non life insurance company of Nepal was established on 1947 A.D. by Nepal Bank Limited (the first commercial Bank) and general public with 51% and 49% shares respectively.

At the beginning the name of this company was "Nepal Malchalani Tatha Beema Company" and had changed its name as "Nepal Insurance & Transport Company Ltd." on 1959 A.D. Now its name is "Nepal Insurance Company Ltd." since 1991 A.D.

chaton

Why You Should Have Wedding Cancellation Insurance

Your wedding day is an event you will always remember and one that you want to go exactly as planned. However, there are many ways that your special day could end up being a disaster. For example, what if your soon to be husband fell and broke his leg? You would probably need to cancel for that day. What if something even bigger happened like all of your guests got snowed in and stuck where they were and could not make it to your wedding? These are some reasons you should invest in wedding cancellation insurance.

In today's culture a wedding is often a huge investment with a lot of people spending in range of £20,000. On top of the cost there are many people involved with a wedding going smoothly. You have caterers, vendors and florist just to name a few. With so many different people involved there is always a possibility that something will go wrong; after all, you cannot control every aspect or keep an eye on every person. With the major cost of a wedding in today's culture and the many uncontrollable aspects it makes since to invest in some type of wedding cancellation insurance.

The average coverage for a wedding includes many different aspects for practically any situation that a bride can imagine. It will usually cover cancellation if a member of the wedding gets sick or dies. It will also cover if there is a major problem with commercial transportation, like it shut down because of snow. Many policies will also cover other issues too like something happening to the venue, (a water pipe busts maybe), and the vendors not performing their services.

There are some things to keep in mind when you are thinking about purchasing insurance for your wedding. First you should remember that it does not just take care of the big day; but, also all the planning you put into it beforehand. Also, there are many different levels for this coverage just like with car insurance. You should be sure to review each policy and decide what best suits your needs. You should also keep in mind that while the coverage will take care of the rings during and before the big day you will need to invest in additional insurance for them after the wedding. You should be sure to find a policy that will cover your honeymoon if your wedding does get cancelled. Lastly, ask around before you buy. Your acquaintances will probably know who is a good company to use and you should find one you can trust.

Wedding cancellation insurance is a good investment for a wedding. This is your day and you want it to be a day of celebration not disaster. So take the time to look around for a policy that will cover everything from the planning to the honeymoon. A wedding is a costly investment and having it insured will be something you will be more thankful for in the end.

How to Reduce Home and Auto Insurance Costs

Maintaining your current insurance coverage is indispensable even when you have to cut back. Without dependable insurance, a car accident, a serious illness, or unexpected damages to your house could be financially destructive and push you immediately into bankruptcy.

Also, be sure that you are using all the insurance discounts you are entitled to. For example, you can be eligible to a discount if you use public transportation frequently, if you brush up your driving skills by taking a class, if you purchase your auto and home insurance from a similar company, if you're over sixty-five, if you install some safety features in your house, and so on.

Homeowners insurance

These are a few tips to reduce your home insurance costs:

• If you insure your home, you shouldn't count the land value, just insure the structure.
• Ask if you'll save money by setting up smoke detectors and deadbolt locks. If your house already has security systems, make sure it is reflected in the policy.
• If a family member is a smoker but has quit, ask if your insurance company can lower the premium costs. Households with smokers are often required to pay a premium for insurance as smoking is a major cause of house fires.

Auto insurance

Follow these methods to trim your auto insurance cost:

• If your car is old and not too valuable, drop the collision coverage, particularly if you are spending more on the insurance coverage than your car's value. Another alternative is to increase the deductible amount of your comprehensive and collision coverage.
• Make sure that you are using all available discounts, for example:
• Owning a car with airbags, automatic seat belts, and antilock brakes.
• Being in a certain profession. Statistics show that individuals with certain types of professions - teachers and engineers, for example - have lower accident tendencies.
• Servicemen. Some insurance companies offer you a break on the insurance cost if you serve in the military or if you are a retired military personnel.
• If you have to buy a new car, get one like your mom might drive. High performance/high profile cars cost more to repair and to insure.

Surety Bonds - Backpedaling and How to Avoid It

Individual Sureties and corporate sureties commonly rely on a variety of elements when deciding if they will provide bid and performance bonds for contractors. Because Individual Sureties are required to fully back their bonds, their underwriting process may be the most thorough. When an individual surety issues a bid or performance bond on a federal or state project, all relevant underwriting factors are considered including the applicants financial condition.

In most bonding scenarios, the applicant for the bonds is the contractor, a construction company - typically a corporation or LLC. The focus of the financial evaluation and decision-making is an annual document: The company's Fiscal Year-End Financial statement.

Why so much emphasis on this one document? The financial statement is considered a report card on the quality of company management. It shows a range of important indicators. To name a few:

1. How strong a financial commitment the owners have made to the company
2. The amount of revenues management has acquired in the previous operating cycle
3. The extent to which construction contracts were realistically estimated and successfully managed
4. The management and efficient use of overhead dollars
5. Tax planning
6. Adequacy of cash flow
7. Liquidity
8. Profitability
9. Reliance on banks and other creditors to finance operations
10. Collectability of receivables

The analysts favorite date is the Fiscal Year-End, which is "tax day." For most companies that date is December 31st. On 12/31 revenues will be reported on the company tax return, and the annual tax bill will be calculated. This annual event is thought to be a convenient and appropriate time to make the financial evaluation that is part of a bonding relationship. Underwriters need to make these reviews periodically to monitor the company's financial status. The annual financial statement on tax day is a natural for this purpose. A second reason to use this date is that the tax day numbers will be realistic and even conservatively presented - to minimize the tax exposure. This conservative approach is perfect for the bond underwriters who hope to make a realistic analysis of the applicant.

So where does the backpedaling come in? Company managers will rely on their Certified Public Accountant for financial advice, especially tax planning. Limiting taxes is a popular goal, but at what price? Lower taxes may be a result of lower pre-tax profits. Lower profits mean less financial growth, a net worth that may be inadequate to support future expansion and casts a shadow over the company's future. Why should the owners continue a support a company that fails in its primary mission: Producing a profit for its stockholders/members?

Obviously these issues are a great concern to a surety underwriter, who wants successful, well-managed companies in tip top condition for clients. If tax avoidance is aggressively pursued, it is not unlikely that bonding capacity will be compromised. The surety may limit their support or even terminate the relationship if financial performance is weak. Once the document is carved in stone, company management may have an entire year of backpedaling until the date when the next Fiscal Year-End Report can be produced in a more favorable form.

The problem is not uncommon, and the solution is simple if executed properly. Avoid the backpedaling by having a Draft Financial Statement initially produced by the CPA. The document will be marked "for discussion purposes" and that's what should take place. A review and discussion with the underwriter will determine if any elements of the report are detrimental for bonding purposes. Plans for the coming year can be discussed and bonding capacity evaluated. If the financial statement does not support the desired capacity amount, now is the time to make adjustments - and avoid backpedaling all year.

With a bit of planning and oapen dialogue contractors can avoid the missteps that prevent companies from realizing their full potential.

Steve Golia is Executive VP of The IBCS Group, Inc. The company issues Bid and Performance / Payment Bonds for construction projects. IBCS is the Authorized Risk / Claims Manager for the Scarborough Bond and Guarantee Program.

The experts at The IBCS Group are always available including nights and weekends - every day, because nobody provides better service.

Beema Samiti (Insurance Board)

Beema Samiti (Insurance Board) an autonomous body, established to develop, systemize, regularize and regulate the insurance business of Nepal under Insurance Act, 1992.
Beema Samiti (Insurance Board) Chabahil, KathmanduPhone: 977-1-4810818, 977-1-4810989Fax: 977-1-4810490Toll Free No. 1660-01-56789

बीमा समिति नेपालको बीमा ब्यवसायलाई ब्यवस्थित, बिकसित, नियमित र नियन्त्रित गर्नको लागि बीमा ऐन, २०४९ अनुसार स्थापना गरिएको एक श्वशासित संस्था हो ।

बीमा समिति, चाबहिल, काठमाण्डौं फोन नं : ९७७-१-४८१०८१८, ९७७-१-४८१०९८९फ्याक्स : ९७७-१-४८१०४९० निशुल्क फोन नं : १६६०-०१-५६७८९