0_Wizard
My services provide protection from financial loss as part of insurance. Though I don't really like my job.
Insurance is a means of protection from financial loss.
chosen_Insurance_0
Insurance
chosen_topic_0_Insurance
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
South African contract law
South African contract law is ‘essentially a modernised version of the Roman-Dutch law of contract’, which is itself rooted in canon and Roman laws. In the broadest definition, a contract is an agreement two or more parties enter into with the serious intention of creating a legal obligation. Contract law provides a legal framework within which persons can transact business and exchange resources, secure in the knowledge that the law will uphold their agreements and, if necessary, enforce them. The law of contract underpins private enterprise in South Africa and regulates it in the interest of fair dealing.
Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another.
Subprime mortgage crisis solutions debate
The Subprime mortgage crisis solutions debate discusses various actions and proposals by economists, government officials, journalists, and business leaders to address the subprime mortgage crisis and broader financial crisis of 2007–08. The debate concerns both immediate responses to the ongoing subprime mortgage crisis, as well as long-term reforms to the global financial system. During 2008-2009, solutions focused on support for ailing financial institutions and economies. During 2010, debate continued regarding the nature of reform. Key points include: the split-up of large banks; whether depository banks and investment banks should be separated; whether banks should be able to make risky trades on their own accounts; how to wind-down large investment banks and other non-depository financial institutions without taxpayer impact; the extent of financial cushions that each institution should maintain (leverage restrictions); the creation of a consumer protection agency for financial products; and how to regulate derivatives.
Political positions of Hillary Clinton
Hillary Clinton, the nominee of the Democratic Party for president of the United States in 2016, has taken positions on political issues while serving as First Lady of Arkansas (1979–81; 1983–92), First Lady of the United States (1993–2001); as U.S. Senator from New York (2001–2009); and serving as the United States Secretary of State (2009–2013). In accordance with longstanding custom, during her time as Secretary of State she largely avoided taking stances on most domestic political issues. In 2015, she announced her candidacy for the presidency. Clinton won the Democratic primaries and formally became the party's nominee at the 2016 Democratic National Convention.
South African labour law
South African labour law regulates the relationship between employers, employees and trade unions in the Republic of South Africa. The Native Labour Regulations Act 1911 prohibited strikes by trade unions, introduced wage ceilings and a pass system for moving around jobs. Over 70,000 Chinese labourers were brought in, and used by landowners to undercut the wages of other workers. Among white workers, there was significant unrest, and major strikes took place in 1907, 1913, 1914 and 1922  For a period of sixteen years, from 1979 to 1995, several critical developments occurred in the field of labour law in South Africa, beginning with a radical change in the first of these years, when a significant Commission of Enquiry was held, resulting in the establishment of an Industrial Court, which was given extensive powers to mould, change, shape and develop the law.
South African insurance law
Insurance in South Africa describes a mechanism in that country for the reduction or minimisation of loss, owing to the constant exposure of people and assets to risks (be they natural or financial or personal). The kinds of loss which arise if such risks eventuate may be either patrimonial or non-patrimonial. A general definition of insurance is supplied in the case of "Lake v Reinsurance Corporation Ltd", which describes it as a contract between an insurer and an insured, in terms of which the insurer undertakes to render to the insured a sum of money, or its equivalent, on the occurrence of a specified uncertain event in which the insured has some interest, in return for the payment of a premium.
1_Apprentice
Oh, like fraud or bank theft?  I can imagine that getting old. I keep telling myself a job is a job, right?
0_Wizard
Yea pretty much, its like a barrier against the risk of a contingent but I dont like forcing people into buying it.
It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
chosen_Insurance_0
Insurance
chosen_topic_0_Insurance
Yea, Victoria
Yea ( ) is a town in Victoria, Australia north-east of Melbourne at the junction of the Goulburn Valley Highway and the Melba Highway, in the Shire of Murrindindi local government area. In an area originally inhabited by the Taungurong people, it was first visited by Europeans of the Hume and Hovell expedition in 1824, and within 15 years most of the land in the area had been taken up by graziers. Surveyed in 1855, the township grew as a service centre for grazing, gold-mining and timber-getting in the area. The town has had a fairly stable population (around 1,100) since 1900, though it now has a relatively old population.
Zulu language
Zulu (Zulu: isiZulu) is the language of the Zulu people, with about 10 million speakers, the vast majority (over 95%) of whom live in South Africa. Zulu is the most widely spoken home language in South Africa (24% of the population), and it is understood by over 50% of its population. It became one of South Africa's 11 official languages in 1994. According to Ethnologue, it is the second most widely spoken of the Bantu languages, after Shona. Like many other Bantu languages, it is written with the Latin alphabet. In South African English, the language is often referred to by using its native form, "isiZulu".
Pretty Much Dead Already
"Pretty Much Dead Already" is the seventh episode and mid-season finale of the second season, and 13th episode overall of the post-apocalyptic horror television series "The Walking Dead". It originally aired on AMC in the United States on November 27, 2011. In the episode, Glenn (Steven Yeun) reveals to the group that there are walkers in the Greenes' barn, dividing the group on what to do. Hershel Greene (Scott Wilson) sets a deadline for the group to leave, unless Rick Grimes (Andrew Lincoln) does a difficult task. Meanwhile, Shane Walsh (Jon Bernthal) slowly loses his sanity after many secrets around him are revealed and Carol Peletier begins to question whether her daughter, Sophia will be found.
2011 Alabama Crimson Tide football team
The 2011 Alabama Crimson Tide football team (variously "Alabama", "UA", "Bama" or "The Tide") represented the University of Alabama in the 2011 NCAA Division I FBS football season. It was the Crimson Tide's 117th overall and 78th season as a member of the Southeastern Conference (SEC) and its 20th within the SEC Western Division. The team was led by head coach Nick Saban, in his fifth year, and played their home games at Bryant–Denny Stadium in Tuscaloosa, Alabama. They finished the season with a record of twelve wins and one loss (12–1 overall, 7–1 in the SEC) and as consensus national champions.
Contingent work
Contingent work or casual work is an employment relationship which is considered non-permanent. These jobs are typically part time (typically with variable hours), have limited job security, and result in payment on a piece work basis. Contingent work is usually not considered to be a career or part of a career. One of the features of contingent work is that it usually offers little or no opportunity for career development. Contingent workers are also often called freelancers, independent professionals, temporary contract workers, "temps", independent contractors, or consultants. "Contingent work" is not an entirely neutral term as commentators who use the phrase generally consider it to be a social problem.
Political positions of Mitt Romney
The political positions of Mitt Romney have been recorded from his 1994 U.S. senatorial campaign, the 2002 gubernatorial election, during his 2003–2007 governorship, during his 2008 U.S. presidential campaign, in his 2010 book "", and during his 2012 U.S. presidential campaign. Some of these political positions have changed, while others have remained unchanged. In his 1994 Senate campaign, Romney called for the "virtual elimination" of the federal Department of Agriculture and for reductions in farm subsidies. In 2007, when questioned about these views, a Romney for President Iowa campaign spokesman responded: "Governor Romney believes that investing in agriculture is key to our economy and families."
2016 New England Patriots season
The 2016 New England Patriots season was the franchise's 47th season in the National Football League, the 57th overall and the 17th under head coach Bill Belichick. During the season, the New England Patriots became the first team that originated from the American Football League to reach 500 franchise wins—regular season and playoffs—with their Week 12 win over the New York Jets. In Week 15, the Patriots clinched their eighth straight AFC East division title, and in doing so surpassed the 1979 Los Angeles Rams for most consecutive division titles. With their Week 17 win over the Miami Dolphins, the Patriots clinched home field advantage throughout the entire AFC playoffs and ended the regular season with a league-best record of 14–2.
1_Apprentice
Well, do you truly believe its necessary?  Seems like a viable risk and most people won't be forced.
0_Wizard
Well I think it is since it compensate the insured in the event of a covered loss, which can be millions of dollars at times.
The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss.
chosen_Insurance_0
Insurance
chosen_topic_0_Insurance
Insurance
Insurance is a means of protection from financial loss. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss. An entity which provides insurance is known as an insurer, insurance company, or insurance carrier. A person or entity who buys insurance is known as an insured or policyholder. The insurance transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and must involve something in which the insured has an insurable interest established by ownership, possession, or preexisting relationship.
Mercury Insurance Group
Mercury Insurance Group (NYSE: MCY) is a multiple-line insurance organization offering personal automobile, homeowners, renters and business insurance. Founded in 1961 and headquartered in Los Angeles, Mercury has assets in excess of $4 billion, employs 4,500 people and has more than 8,000 independent agents in 11 states (Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia). Mercury’s primary focus is auto and homeowners insurance, however, the company also writes personal liability policies (umbrella), business insurance, mechanical breakdown protection (similar to an extended warranty for your vehicle), renters, service line protection, home systems protection, identity management protection and ride-hailing insurance.
Vehicle insurance in the United States
Vehicle insurance, in the United States and elsewhere, is designed to cover risk of financial liability or the loss of a motor vehicle the owner may face if their vehicle is involved in a collision resulting in property or physical damages. Most states require a motor vehicle owner to carry some minimum level of liability insurance. States that do not require the vehicle owner to carry car insurance include Virginia, where an uninsured motor vehicle fee may be paid to the state; New Hampshire, and Mississippi which offers vehicle owners the option to post cash bonds (see below). The privileges and immunities clause of Article IV of the U.S. Constitution protects the rights of citizens in each respective state when traveling to another.
Liability insurance
Liability insurance is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims. It protects the insured in the event he or she is sued for claims that come within the coverage of the insurance policy. Originally, individual companies that faced a common "peril" formed a group and created a self-help fund out of which to pay compensation should any member incur loss (in other words, a mutual insurance arrangement). The modern system relies on dedicated carriers, usually for-profit, to offer protection against specified perils in consideration of a premium.
South African insurance law
Insurance in South Africa describes a mechanism in that country for the reduction or minimisation of loss, owing to the constant exposure of people and assets to risks (be they natural or financial or personal). The kinds of loss which arise if such risks eventuate may be either patrimonial or non-patrimonial. A general definition of insurance is supplied in the case of "Lake v Reinsurance Corporation Ltd", which describes it as a contract between an insurer and an insured, in terms of which the insurer undertakes to render to the insured a sum of money, or its equivalent, on the occurrence of a specified uncertain event in which the insured has some interest, in return for the payment of a premium.
Executive compensation in the United States
In the United States, the compensation of company executives is distinguished by the forms it takes and its dramatic rise over the past three decades and wide-ranging criticism leveled against it. In the past three decades in America executive compensation or pay has risen dramatically beyond what can be explained by changes in firm size, performance, and industry classification. It is the highest in the world in both absolute terms and relative to median salary in the US. It has been criticized not only as excessive, but also for "rewarding failure"—including massive drops in stock price, and much of the national growth in income inequality.
Property insurance
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils. Open perils cover all the causes of loss not specifically excluded in the policy. Common exclusions on open peril policies include damage resulting from earthquakes, floods, nuclear incidents, acts of terrorism, and war. Named perils require the actual cause of loss to be listed in the policy for insurance to be provided.
1_Apprentice
Yeah, so completely worth it.  You're doing a good thing.  Think you'll try to look into another job?