Archive for April, 2010

It all began on a brutally cold February day in 1993. I had interviewed multiple times at a small firm and finally got word from the head of the company, I was hired. At the time the word market maker or bid/ask were as foreign to me as German, French or Spanish. However, being hired on Wall Street meant money and clout. I could barely contain my excitement.

It is important to remember that this was a time when things were very different. Wall Street was a club of the elite. There were no computers pushing orders through using ECN’s. It was big boys ruling the small. I did not have to know one thing on technical analysis or fundamental analysis, I just had understand my level II and have connections.

Certain market makers had reputations. What I mean by this is that market maker XYZ would be known for being long stocks and market maker ABC would be known for shorting stocks. As a market maker you would know this and seeing that market maker on the bid or the ask would alert you to the direction that stock was going. The direction of a stock was determined and is determined by the amount of money forcing it in a certain direction. Those market markers would use their hundreds of millions to force a stock in a particular direction.

According to a recent survey, about 6.5 million homes in the UK are at risk from flooding, and 1.5 million of these homes are in high risk areas. This survey should make your bones shiver because your house could be one of the 6.5 million homes! So far, the government has completed only flood defenses and protection for about 80,000 homes.


With this, if you can not get flood insurance for your home, you are in neck deep trouble. You should have already been aware, that if your house is located in a high risk area, flood insurance companies will not welcome you with wide arms and big smiles. The problem is expected to escalate if global warming continues because by 2030, the survey estimates that the 1.5 million homes at risk today could bloat to as high as 3.5 million homes. This is a staggering figure, an alarming prospect that people in the UK should be prepared for.


Due to the recent severe flooding in high risk areas in the UK, leading insurance providers have been mulling about removing flood insurance cover from their policies because they had been stung by the flood insurance claims amounting to millions of pounds. That is if the government will not make any move to increase its budget for putting up flood defenses.

Medical tourism has definitely elevated the profession of medical sciences to a great extent. People from various countries like the United States and the UK and from some European countries visit places that offer qualitative yet economical medical services. And medical tourism Mexico is one such destination that offers treatment to its patients with care. This is possible only because of the advancement in the field of medical sciences and information technology.

Thanks to the accessibility of internet technology and the information offered on it the person is enabled to get details of various medical procedures that one has to undergo. Moreover, medical tourism has become successful because of the lower traveling and treatment rates. Well you will be surprised to know that medical tourism Mexico is the world’s foremost country to provide treatment to international patients. Hence, you can say that it offers good and inexpensive medical services to people seeking treatment for various diseases. Well you must be aware that medical tourism is an act of traveling to other country to obtain medical, dental and surgical care. And medical tourism Mexico is an ideal destination to get treated well with world class services. The hospitals in Mexico offer treatments for both invasive and non-invasive surgeries. They also provide medical facilities like operating rooms and minor operating rooms, radiology services, laboratory, pharmacy, day procedure unit, health screening services, radiotherapy and chemotherapy services, IVF services, haemodialysis, physiotherapy and dental services.

The cost of flood insurance people pay nowadays is affected by the location where their house is located. Those people whose houses are located in higher-risk areas pay higher premiums and higher excess on flood-related claims as compared to those whose houses are in low-risk areas. Premiums on a house in a high-risk area may differ for example around 20 to 30 pounds than in low-risk areas.


In the United Kingdom, more than two million properties are located at flood risk areas. When you seek the services of a flood insurance provider, they have their own maps to determine if you live in a low-risk area. Although your insurance plan should pay for all flood damage, your insurance provider also expects you to take necessary precautions to protect your properties in case of a flood, too.


If you live in a flood plain, expect your premiums to be higher and an expensive burden. Some insurance providers may even refuse flood cover on people in high-risk areas cover. You can not expect insurance providers to give you a policy when your house is a on a flood path and you get hit by floods often. It will be suicide on their part, unless you will want to pay a high premium.


If the insurance providers think your house is in a high-risk area, they may even resort to getting a surveyors report before giving you a policy. If they give a policy to whoever applies without considering the high-risk factor, they will have to increase the cost of premiums for everybody to meet the cost of insurance claims.

With record amounts of rain in many parts of the nation this year, the topic of flood insurance has gained a lot of attention. Flooding occurred in areas where it hadn’t before, or at least not in decades. Not every homeowner has flood insurance and the worst time to realize that you should have it is after your condo, townhome or single family house has sustained water damage. Flooding can not only destroy your material possessions but also do major structural damage that could cost thousands of dollars to repair. So even if you think there is little chance of flooding where you live, the cost of an insurance premium is cheaper than replacing home furnishings or repair costs.

Chicago real estate can be susceptible to flooding from several different ways. Even if you live in a new construction condo such as those listed here http://www.bestchicagocondos.com/new-construction-condos/index.html, you could possibly experience flooding. Excavation nearby might change the normal drainage of the area and cause rain water to run off into your property. Nearby construction could cause surface flooding during storms or from heavy snow melt in spring. The unexpected main water line could burst and leak into your unit. And in older structures you may discover that your building’s roof is poor construction or in need of repair or that the basement storage area leaks after a heavy rain. Your condo association fees may already cover flooding, but you should carefully check to be sure.

TOURISM – A FIGHT AGAINST POVERTY

Creating Jobs and Wealth

Poverty alleviation has become an essential condition for peace, environmental conservation and sustainable development, besides being an ethical obligation in an affluent world, where the divide between poor and rich nations seems to have increased in recent years. There is a stronger evidence that tourism if developed and managed in a sustainable manner, can make a significant contribution to alleviate poverty, especially in rural areas, where most of the poor live and where there are very few other development options.

Travel & Tourism is the world’s largest industry and creator of jobs across national and regional economies. World Travel and Tourism Council research shows that in 2000, Travel & Tourism will generate, directly and indirectly, 11.7% of Gross Domestic Product and nearly 200 million jobs in the world-wide economy.  International tourism arrivals in 2002 exceeded 700 million, generating $US 474.2 billion in worldwide receipts.   These figures are forecasted to have an upward trend in 2010.

Jobs generated by Travel & Tourism are spread across the economy – in retail, construction, manufacturing and telecommunications, as well as directly in Travel & Tourism companies. These jobs employ a large proportion of women, minorities and young people; are predominantly in small and medium sized companies; and offer good training and transferability. Tourism can also be one of the most effective drivers for the development of regional economies. These patterns apply to both developed and emerging economies.