Blogger BlogNet71256

Insurance contracts are often seen as a form of gambling. That is because they appear as a type of wager that takes place over the lifetime of the policy. Basically the insurance company is willing to bet that you and your property will not suffer the loss insured against. In exchange for making this bet, and taking on the risk, they receive your premium. If they win the bet, they keep the premium; if they lose, they make the payout. In this sense, they are often compared to a type of long term financial casino.

The difference between your premium amount, and the amount the insurance company will have to pay out if the loss occurs, is simply the odds the insurance company is getting for taking on the bet. Its just like going to the horse races and betting on a horse that pays out 10 to 1.

This view of insurance has led to a number of people and religious communities disapproving of insurance because of its similarities to gambling. Among those groups that avoid insurance are the Amish and Muslim communities. What these people do instead is create a system of what is known as social insurance. What this means is that if there is a disaster and someone suffers a heavy loss, then the whole community will step forward and help them to deal with their loss and rebuild. While this system is very simple, it has the potential to be just as effective a safety net as insurance. However, it requires that the community actually does step forward and help those who suffer from disasters. This means that it is more successful in small closed and closely knit communities than in large modern societies.

Social insurance systems therefore are not always effective. Often the community that is supposed to adopt it is not suitable. Also, in very large disasters the system can break down as a small community will not be able to rebuild itself completely without outside assistance. This is why larger modern insurance systems can be more robust. However, in extremely large disasters, modern insurance systems can also run into difficulties. This is witnessed by the fact that it is impossible to insure against certain risks such as floods and earthquakes. This is because the damage would be simply on too large a scale for the insurance companies to cope with.

There are other ways in which insurance doesnt follow the gambling model. For instance insurance companies seek to reduce the risk of the loss occurring constantly, for instance by requiring the installation of fire alarms, or by reducing the loss if the insured against event does occur, for example by providing rehabilitation to accident victims. Therefore insurance is like a gamble in the reward and risk elements, but other elements are different.

Joseph Kenny is the webmaster of the insurance site http://www.insure121.com/ where you will find information, news and links to the leading providers of car insurance in the UK.

A few of the World of Warcraft Horde power leveling guides have gotten a popular reputation, which makes most noobs go for them right away without looking to see if they are a good guide or not. They see the name on their search list, and they just automatically assume that the guide is good because they have heard of it. So, they go and purchase it without knowing more about it than the name But, until you have read up on a World of Warcraft power leveling guide, you should not purchase it.

What? Don't purchase it? That's right... don't.

Here is why:

1. Guide authors will push their own guides as much as they want to so they can make money. This is common sense and everyone knows this - but, some guide authors have never played one minute of World of Warcraft in their lives, and do not know what they are doing. They cut and paste information into a Horde power leveling guide, and then sell it for $30-60. They then hit every gaming web site that they can and push their guide until the name is popular so that new players will automatically go and buy it without reading up on it first.

2. Not all Horde power leveling guides are created equal. Most of the Horde power leveling guides out there today only take you through one race, usually Troll, and one class, almost always a hunter. While this is ok if you just want to brag that you have a 70, it is not ok if you actually want to enjoy the end-game experiences that await you once you hit 70. There are thousands of hunter players out there because of these guides, and you will find that your end-game instances will not be as good and you will not find as many groups to do them if you are a hunter. Other players will look for healers, casters, and tanks for instances, not just hunters.

3. Some Horde power leveling guides are written poorly. This means that noobs cannot pick them up and just hit the game and play. Some of these guides are written for more advanced players or are written by people who are not very talented writers, so the guides are hard to follow for players that have never played World of Warcraft before.

But, there are good Horde power leveling guides out there on the market. Just keep in mind that they are not all created equal. One good Horde power leveling guide that allows you to play any class, any race, from 1-70, and is written so that anyone can understand it is Flamewater's Horde Power Leveling Guide. This one guide can take a noob and make them a 70 in 15 days or less and offers great free reports and extras that you cannot get anywhere else.

MD Weems has been a professional writer for over a decade and is an avid MMO gamer. She also runs the MMORPG/MMO gaming web site, Zownder.com, and is the head of an elite MMO gaming team. She has several MMORPG gaming guides to her credit and is constantly writing articles and information about all types of MMORPG and MMO games.