5 Things to Check Before You Buy Family Holiday Insurance

When you go on a family holiday, one of the most important things to organise before you set off is a decent family holiday insurance policy. If something goes wrong on your travels, it can be the only thing standing between you and a financial crisis. In some cases, medical bills abroad can add up to thousands of pounds, even for minor injuries, so it really is not worth taking the risk.

However, when you buy your policy, there are a number of areas you should look at very carefully so that you know exactly what you are covered for. Here are five key things to keep an eye out for.

1. What Activities Are Covered?

Family holiday insurance policies may provide cover for various activities that are common on holidays, such as swimming and snorkelling. However, when it comes to more extreme sports like skydiving or bungee jumping, you may find that you are not covered. If you then take part in one of these activities and injure yourself, you may have your claim for medical costs refused.

It is therefore essential that you know exactly which activities you are covered for when you travel. Check through the list carefully as you may be surprised: often, activities that you thought would be included may not be.

2. What Are the Per-Item Limits?

If you have cover for lost or stolen personal possessions, you will usually have a maximum amount, which may be in the region of £1,000 or maybe more. However, you should also check whether there is a maximum per-item limit, because this will often be lower. This means if you take an expensive item like a laptop, should it get stolen you will only be able to claim for the maximum per-item limit. You need to know whether the cover provided is enough, and if it is not, you may want to leave your expensive items at home.

3. Is It Cheaper to Get a Multi-Trip Policy?

If you are planning to have more than one family break this year, you may want to find out whether it is cheaper to get a multi-trip policy. If you travel abroad two or three times a year, it could work out less expensive – so do your sums before you purchase anything.

4. Are Pre-Existing Medical Conditions Covered?

Family holiday insurance policies often have exclusions when it comes to pre-existing medical conditions, so check what these are before you buy your policy. It may be that you cannot get cover for your condition, or you may need to pay extra.

5. Do You Need All the Cover?

Sometimes insurers provide different packages with different levels of cover. You should check the level of cover you really need before buying one. For example, the least expensive will often provide just medical expenses, and the more expensive may cover other events like cancellation cover and missed-departure cover. You have to ask yourself what is most suitable for your situation and choose a policy accordingly.

Family holiday insurance is one of the first things you should purchase when you plan a trip. However, make sure you are aware of all the details of a policy before you buy it, focusing especially on these five areas to help you find the most suitable one for your needs.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family holiday insurance, annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

Article Source: http://EzineArticles.com/expert/Patrick_Chong/129244


The Data Transmission of DMX512 Lighting Protocol

Technical light is a powerful tool used to create different feeling or moods in a space. Recent advances in lighting design, as well as in entertainment and stage lighting, have increased the need of using DMX lighting control protocol. DMX512 protocol is a set of universally used rules, for controlling intelligent fixtures and lighting dimmers.

The protocol specifies the digital data transmission method, between controllers and fixtures. It was design to give interoperability between controllers (concerning both mechanical and communication level), without strangling when using devices from different manufactures. DMX stands for Digital Multiplex and 512 refers to the number of possible control channels that can be transmitted at a single network of devices. This network is called “universe”. Manufacturers and users have many benefits by standardizing the protocol and the equipment. The required development time and the cost of the products is reduced, the quality and safety of each product increases and it makes the communication between devices simpler, thus it protects it against obsolescence. At first the protocol was designed to be used for controlling high tech lights, in entertainment industry (I.e. clubs, theatres, concerts) but nowadays it is widely used in smart homes, commercial and architectural applications.

DMX512 is a unidirectional asynchronous serial transmission protocol, which means that the transmitter cannot get feedback from receivers for possible error messages, connections or auto addressing of DMX decoders in the data bus. This protocol has a transmission rate of 250kHz (maximum 250,000 bits per second). Thus, in order to transmit that rate, an RS485 line is needed. A single transmission is called “DMX packet” and can include channel data and synchronizing elements for maximum 512 channels. Each lighting device is assigned to a channel. The controller is able to control 512 channels, however only 32 devices (network DMX standard) can be connected in a DMX line. If the system consists of more than 32 devices, a DMX splitter must be used, in order to add DMX lines.

Parameter values can take values from 0 (=off) to 255 (=maximum intensity). DMX uses a standard 8N2 encoding and so the signal if each packet must include one start -bit, eight data-bits and two stop-bits. In order to form the DMX signal, bits are sent out every 4μs. Each code is 8 bit (1 byte) long, thus there are 256 different codes. A start bit (low level) marks the beginning of the byte and 2 stop bits (high level) mark where the byte ends. When there is no information (idle) the signal lies on high level. There are 11 bits in total for each byte, which are called “slots” and each slot last for 44μs (4×11). Therefore the form of the DMX signal is:

BREAK – START BIT – BYTE – STOP BIT – IDLE (then repeat).

A complete packet can last for minimum 1024μs and maximum 1 sec.

Article Source: http://EzineArticles.com/expert/Despina_Polykarpou/1973061


The Gender Gap Is Not The Only Thing That Needs Closing

Women are working hard for equality and closing the gender gap, and they did indeed come a long way since the Global Gender Gap Report that was first published in 2006 by the World Economic Forum. These gaps are prevalent in many walks of life being it in gender equality, equality for education, employment opportunities, pay or social norms and there is no denying the benefits reaped from such equality for economic growth.

From the many women workshops and empowerment sessions I attended, seeing working women clapping for one another, I couldn’t help but notice there is another gap looming over our heads that no one seems to notice or address. We always express the need for women to empower one another, sharing resources, expertise even praise. And although that still remains a challenge in the workforce for some, yet there are those who measure their success by helping others succeed as well.

However most of these working women have already stepped into the empowerment path, being able to have a career, be financially independent and self-develop to better their lives is a step in the right direction. But what about the regular house wife? That woman who decided to stay home; whether from lack of opportunity or to be with her children or even a choice she made and is comfortable with, how does she fit in the circle of empowerment?

What I have come to realize is that most of those stay at home women can benefit from the support of career women, and do wonders for themselves and their families if they had the right tools, whether they seek employment or not. But career women and women at home are two worlds apart. They are so alienated from one another that it is shocking.

The career woman is so focused on her work and overcoming her own battles to succeed not having the time to consider what it is like for that woman at home spending her hours raising children. Some even might be under the impression that these housewives have it easy, believing that they spend their days watching soap operas and shopping. Pointing a disapproving finger to the lack of commitment for change, feeling that as a working woman she has to carry the burden to make up for the slack of women who decided not to seek a career.

On the other spectrum there is the housewife, who is busy running around attending to the needs of her family, exhausted most of the time. Unfortunately there are even those who feel resentful for not being able to do more with their life. Some of these housewives see the career woman as a threat, where her man goes and spends hours with on a daily basis, her state of comparison is understood yet not justified. Sometimes in her mind the housewife views the career woman as selfish, hungry for power even at the expense of her loved ones. Blaming many failed marriages on the career woman or believing it is a reason for staying single, pointing another disapproving finger for the choices made by the career woman.

Imagine if we could bridge the gap between the two worlds, and allow the women to converse and communicate, how much they would realize that they have a lot more similarities, dreams, passions, and fears in common than they realize. We are all the same after all but with different circumstances and choices but the fundamentals almost always stay the same.

When women begin to understand one another and be more open-minded, tolerant, respectful of one another’s choices so much more could be accomplished. With our unity our true strengths and potential are enveloped. Both working women and stay at home women would both gain means from each other to help fight bigger battles that would really impact the outcome of our future as women.

A cosmopolitan caliber of empowered women is the way to go towards a more promising tomorrow.

Mira Khatib is a writer, author and award winning poet. Co-founder of Arab Woman Platform. An Inspirational, motivational women empowerment bilingual platform that promotes reading and positive change. http://www.en.arabwomanmag.com/

Article Source: http://EzineArticles.com/expert/Mira_Khatib/2261745


Power Start Your Day With an Early Morning

Are you an early riser or someone who gets out of bed the last minute possible in order to get to work on time? If you fall into the second class let me tell you a little secret, there is an amazing power to getting an early start to your day that makes you feel fantastic before you even walk out the door. Let me share with you why you want to become an early riser and get an early start to your day.

Early Risers Feel a Great Sense of Accomplishment Before Everyone Else’s Day Begins

One of the greatest benefits for me to early rising is that before your day even really begins you already feel like you have accomplished so much and that your to do list is maybe already half way done. Suddenly the day becomes a whole lot more manageable and you feel great! If you get out of bed late you will probably only just manage to get to work on time without having done anything and then by the time you come home in the evenings all you can say is that you have been to work but if you wake up early you will have a whole list of things done by the time you come home from work.

Get a Peaceful Start

Ever feel rushed, harassed and like you just want to slow down a bit? Well wake up earlier! When you wake up earlier you have time to get a slow, peaceful start to your day. Take time to just sit in silence and feel peace before you even put a foot out your bed. Personally I use some of my time in the mornings to pray, do some stretching exercises (and some strength training a bit later on), and say some affirmations.

Start Your Day with Gratitude

One of my morning routines is to keep a gratitude journal. Some people do this in the evening but I found that by keeping my journal in the morning I start the day with a positive attitude and it helps to keep me more positive throughout the day too.

When the Day Goes Crazy

You know those days when sometimes everything just seems to go crazy? You had wanted to do a whole lot of things and then the day happens and things just get out of control and you find you haven’t done anything? Well waking up early means that you have some time in the morning to get some things done before the day starts to spiral. Even if at 8am the world falls apart you can still say you achieved something before then.

No matter if you are an early riser or a later riser I encourage you to try early rising for a while and see the benefits. Most importantly, develop a good attitude and realize the benefits of early rising because then it will make it so much easier to do. Start your day productive but peaceful. Feel a sense of accomplishment as you walk out the door and if all goes wrong at least you know you had a good morning.

This article was written by Mandy Buchanan, owner of My Success Factory. To learn more success tips and get our free eBook visit our blog at http://www.mysuccessfactory.net/blog/

Article Source: http://EzineArticles.com/expert/Mandy_Buchanan/16669


The Bard, The Ballplayer And A Guy Called Pluto

The Coliseum In The Bronx

In the early 1940s I sat next to my older brother in the bleaches of Yankee Stadium, where seats cost about a dollar each and twenty cents bought a hot dog with sauerkraut. A soda was 10 cents and you would be hard pressed to find two happier siblings. At night the family would gather around the radio to listen to the president. In his patrician yet informal manner, Franklin Roosevelt was a communications genius. While broadcasting to the nation, he made listeners believe he was speaking directly to them, which is why his talks were called “fireside chats.” We all sat staring at the radio in the same manner people today stare at their 65 inch, high-def television screens. Back then all you needed was a little imagination and you got the picture. Today you get the picture but it usually lacks imagination.

My father and brother served in different conflicts, one more technically advanced than the other but equally brutal. Our president explained why brothers like mine had to go off to war. And though my father was an avid baseball fan, somehow the game was never the same, and neither was my brother when he returned.

Lost In Translation

The phrase “What’s Past Is Prologue” from William Shakespeare’s play The Tempest, is loosely translated to mean everything that happens in life up to the present is preparation for what’s about to transpire. In the case of the 400 year old play, it’s a cold-blooded murder. But not to worry. It’s meant to be. It’s destiny. The past has set the stage for the next act. Present day politics notwithstanding, some people interpret the bard’s prose to mean “those who fail to learn the bitter lessons of history are doomed to repeat them.” No one will ever know for sure what Shakespeare looked like, what happened to his original manuscripts (none survive), or if he meant what we think he meant. In fact, the question of who the illustrious genius really was remains a mystery.

On the other hand, the genius of Lawrence Peter “Yogi” Berra, the man who won more World Series than any other baseball player in history is no mystery and requires no interpretation. With a heart as good as his eyesight, the iconic New York Yankees catcher saw humor in everything, which is to say he saw really clearly. A veteran of World War II, devoted to his family and reportedly adroit with his finances, Yogi Berra-isms made us laugh, and the laughs were never at anyone else’s expense.

“It gets late early out here.”

“When you come to a fork in the road, take it.”

“The future ain’t what it used to be.”

“We made too many wrong mistakes.”

“If the world were perfect, it wouldn’t be.”

“I didn’t really say everything I said.”

Between A Rock And The Universe

Perhaps if everyone could see life from Yogi Berra’s perspective, earth would be a happier more peaceful planet. Instinctively, my adolescent self must have known this because in addition to countless baseball games, I made considerable visits to the Hayden Planetarium, another arena of great joy and wonder in New York’s Central Park. BTW, there’s a rock on Mars that astrophysicists have named the ‘Yogi’ rock. According to NASA geologists, the qualities of the Martian ‘Yogi’ rock resemble those of the volcanic rocks beneath Yogi Berra Stadium in New Jersey. The ballplayer never commented on that fact, but for all our sakes, I wish he had. He would have hit it out of the park.

Last seen in 1986, Halley’s Comet visits us every 75 and a half years. As with all comets and asteroids, these fickle lovers come and go. But like the nine boys of summer, a planet is a joy forever. Together with his eight siblings, Pluto is the fella I grew up with. After being kicked out of the planetary club and treated like a minor league rookie, today the ninth planet from the sun is once again back in the news and good graces of the ‘experts’ who have declared: “Yes, Pluto meets the criteria of a planet!” The New York Times columnist Clyde Haberman commented: “The astronomers’ redefinition that [once] demoted Pluto pretty much alters nothing, just as government officials often come up with redefinitions to try to make tough situations go away.”

The Moon Is Blue With Cheese & Brew

Astrophysicists now understand the process of stellar evolution. They can determine the age of our sun from birth to its inevitable demise billions of years from now. They tell us our sun, classified as a “middle-aged star,” will grow larger and brighter as it ages, reaching its peak as a “red giant,” before beginning to shrink, flare up again, and then literally fade away as an old “white dwarf.” By then we’ll all be stardust. Not so for our Yogi-number eight at home plate. With Bell’s Brewery featuring Mars, Venus, Mercury and Jupiter, planetary buzz has it Yogi and Pluto hang out together for an occasional ice-cold Blue Moon.

NASA’s spacecraft New Horizons was launched in January 2006. Ten years later it is bringing us spectacular pictures of my childhood sweetheart Pluto. While dancing to the music of the spheres, he hasn’t aged one bit, which is more than I can say for me. Another great reason to hitch my wagon to a starship and slip the bonds of gravity. Whether science, baseball or politics, the hum of the universe declares: “it ain’t over ’til it’s over.”

“The Universe is under no obligation to make sense to you.”- Dr. Neil deGrasse Tyson, Director, Hayden Planetarium.

Visit my website http://www.susanscharfman.com for an eclectic collection of articles both topical and reflective. My novel, The Sword & The Chrysanthemum, Journey of The Heart is available on Amazon and as an eBook on Kindle.

Article Source: http://EzineArticles.com/expert/Susan_Scharfman/5734


Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.