Insurance Claim for Your Business: Five Steps

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How To Handle An Insurance Claim In Five Steps

Though you hope it never does, unforeseen events do occasionally occur. You’ve suffered a setback.

Next, what? Who do you approach initially? What are your responsibilities? Losses should not be perplexing, though they can be stressful. As you reorganise and restore your business processes, you may rely on your claims specialists. They can guide you through the subsequent important steps.

Taking the 5 stages in order

It’s critical to understand how to submit insurance claims to avoid having to foot the bill for losses that your company would otherwise be covered for.

Disasters might occasionally affect your company. Here are some things to keep in mind the next time you file an insurance claim to make sure your company gets the proper coverage.

Insurance Claim for Your Business: Five Steps

1. Immediately report any insurance claims.

Reporting insurance claims too late gives your property time to sustain additional losses that your insurance company might be ready to pay for even if they are unrelated to the incident you’re reporting. The quicker you report the occurrence, the sooner the insurance company can start and finish its investigation, and the faster the police can assess the case, if necessary. Additionally, the insurance provider could be entitled to simply reject your claim if their review is prejudiced by your delay.

2. Do not touch the evidence

It could be tempting to grab a hammer and fix up your desk quickly so that you can resume working. Take pictures of the evidence of the damage to your property before you attempt to restore it. This will allow you to later use the photos as evidence to support your claim.

3. Calculate the damage.

Include a list of the lost labour hours, repair costs, and inventory and equipment damage that occurred as a result of the occurrence. Have a third party assess the property damage as necessary to support your insurance claim.

4. Review your insurance contract

Not all insurance policies are created alike, so read yours carefully to make sure you are aware of any terms, conditions, requirements, gaps, or clauses that might restrict the amount of coverage you receive.

5. Cooperate with your insurance provider and claim adjuster

Keep in touch with your claims adjuster so that you may ask him any questions you may have while you file your claim and make the best judgements you can given the circumstances.

Keep in mind that any business owner could sustain damage. Having an insurance policy that covers potential future expenses and understanding how to take advantage of those policies is the best thing you can do to prepare your business.

Every claim is unique, and although the claims procedure may change significantly depending on the circumstances, your adjuster will invest the time and effort necessary to settle your specific case.

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Rupee Winning Continuesly Against USD

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RUPEE strengthens against USD, extends winning streak in interbank.

The local currency appreciated by Rupee 2.34 against USD, greenback during intra-day trade, and was exchanged at PKR 265 around 12:30 pm.

Capital market expert Saad Ali said the government is taking necessary steps to meet the conditions set by the international lender to restart the stalled loan program.

He added that this is what is hopeful about the resumption of the IMF program that will help rebuild the country’s foreign exchange reserves through multilateral and bilateral assistance.

According to the State Bank of Pakistan (SBP), the Pakistani rupee rose by Rs 2.1 or 0.79 percent to close at PKR 267.34 against the USD in the interbank market on Tuesday.

Fahad Rauf, head of research at Ismail Iqbal Securities, said on Tuesday, “The government is taking proactive steps, bringing Pakistan closer to resuming the IMF program. Moreover, the narrow gap between official and informal markets Due to the improvement in arrivals”.

Pakistan is taking necessary steps to restart the USD 6.5 billion IMF bailout program.

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What is PhD? How to Get This Degree

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PhD, the highest academic achievement, is a research doctorate degree.

A PhD degree usually requires three to four years of full-time study. You’ll carry out research for and write a thesis that adds something new to the field.

What a PhD is, what it entails, and what you should know before applying for a PhD research project or enrolling in a doctorate program are all explained on this page.

What does PhD mean?

PhD stands for Doctor of Philosophy. It is one of the highest academic degrees that a person can be awarded. (Ph)ilosophiae (D)octor is an abbreviation of PhD in the Latin term. Traditionally, the term ‘philosophy’ does not refer to this subject, but to its original Greek meaning, roughly translated as ‘lover of wisdom’.

What is the difference between a PhD and a doctorate?

A doctorate is a qualification in any field that leads to a doctoral degree. For a person to qualify, you need to do innovative work or make a discovery that makes a significant new contribution to your field of knowledge. Doing so will earn you the title of ‘Doctor‘.

This degree is offered in almost all disciplines at universities around the world. Other doctorates are more specialized or for more practical and professional skills and unique projects.

Basically, all PhDs have doctorate status, but not all doctorates have PhD status.

How long does it take to achieve a PhD degree?

The duration of a PhD is usually three to four years of full-time study, or five to six years part-time. How long it takes you to complete your PhD will depend on the structure of your project, arrangements with your funding sources and any additional training you may undertake.

Is Masters necessary for PhD?

Not necessarily a Master’s in a specific subject, it is common for Arts and Humanities students to complete an MA (Master of Arts) before a PhD to gain research experience and techniques. While science, technology, engineering and mathematics (STEM) students do not always need an MSc (Master of Science) for a PhD, lab techniques and other skills are trained during a masters or undergraduate degree.

The Master’s requirement for a PhD degree varies from country to country. PhDs in Australia may require a Masters equivalent to their own ‘honours year’ (where students do research work). US PhD programs often include Masters.

We have a complete guide that can help you decide whether getting a PhD without a Masters is right for you.

The reality of PhD

As its name suggests, the PhD is not actually an ancient Greek degree. Instead it depends on a much more recent development. As we know, the PhD degree was introduced in Germany during the nineteenth century along with the modern research university.

This happened when the focus shifted to the production of new knowledge and new ideas.

In the first year of PhD

Starting a PhD is about finding your place as a researcher and getting a solid grounding in your topic in current scholarship.

You will have initial meetings with your supervisor to discuss a plan of action based on your research proposal.

The first step to this will definitely be your literature review. With the guidance of your supervisor, you will be able to begin surveying and evaluating existing scholarships. This will help you do your research and ensure that your work is original.

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Your literature review will provide you with a logical jumping-off point to begin your research and gather your findings. This will involve designing and implementing experiments, or getting stuck in a pile of primary sources.

An MPhil year can end with an upgrade. When this happens, PhD candidates are initially registered for an MPhil degree and when sufficient progress is made, PhD candidates are ‘upgraded’. You will submit material from your literature review, or draft your research findings and discuss them with members of your department in the upgrade exam. All going well, then you can continue your research as a PhD student.

In the second year of PhD

Your second year will probably be when you have done most of your basic research. The process will vary depending on your field, but your primary focus will be on gathering results from experiments, research, surveys, or other sources.

As your research develops, so will your thesis (or argument) build on it. You will even begin writing the chapters or other pieces that will form part of your thesis.

You will still need to meet regularly with your supervisor. They will check your progress, give feedback on your thoughts, experiences, ideas and maybe even read a draft of your product.

This year will be an important stage in your development as a scholar. You will be well aware of the current research and you have to start gathering some important data or material or developing your own insights. But you will not yet face the demanding and time-consuming task of finalizing or completing your dissertation.

Also Read: What is Forex Trading?

Therefore, this part of your PhD is the best time to think about presenting your work at academic conferences, gaining teaching experience, or selecting some material for publication in an academic journal.

In the third year of PhD

In the third year of PhD you will sometimes face writing phases.

Traditionally, this year is the final part of your doctorate, in which your main work will be to gather your findings and incorporate your thesis into a thesis.

In reality, it’s not always that simple.

It is unusual for these final-year PhD candidates to still be validating experiments, collecting results or pursuing some additional sources. This is especially possible if you spend part of your second year focusing on professional development.

In fact, some people actually take all or part of the fourth year to complete their thesis. Whether you are able to do this will probably depend on your PhD funding and the conditions of your enrollment.

Eventually, though you have to face writing your thesis and submitting your thesis.

Your supervisor will often be involved in this process. They will read your final draft and tell you when they think your PhD is ready for submission.

This will be followed by your final oral exam. This is a formal discussion and defense of your thesis involving at least one internal and one external examiner. This is normally the only assessment procedure for PhD Once you pass, you’re done!

 

UK Inflation Remains Low But Remains Around 10%

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UK inflation dips, remains above 10% due to lower transports costs.

As per a statement from the Office for National Statistics, the Inflation Prices Index shrank from 10.5 percent in December to 10.1 percent in January.

ONS chief economist Grant Fitzner commented that, “albeit still at a high level, inflation dropped again in January.”

“This was primarily due to the return of lower air and bus travel costs following a sharp increase last month.

In addition, he noted that pricing at restaurants, cafes, and takeaways had decreased.

The cut was welcomed but Jeremy Hunt, the finance minister, warned that

“the fight is far from done”

He kept going in a statement,

“High inflation chokes growth and hurts individuals and businesses”

“We must stick to the strategy (to) halve inflation this year, decrease debt, and build the economy.”

The information follows data released last week that showed Britain narrowly escaped a recession in 2022.

The Russian invasion of Ukraine drove up oil and food costs, causing global inflation to rise last year, with the UK’s rate of price increases reaching a peak of over 11% in October.

Due to the cost-of-living issue that has resulted from this, Britain is currently seeing its largest wave of worker strikes in more than ten years.

Today PSL 8 Match Pit the Multan Sultans Against the Quetta Gladiators

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PSL 8: Multan Sultan face Quetta Gladiators at Multan Stadium 3 match.

Days after being defeated by Lahore Qalandars in the opening match of the T20 spectacular, Mohammad Rizwan’s Sultans will be attempting a comeback against Safaraz Ahmed’s Quetta Gladiators.

Along with players like Shan Masood, David Miller, Kieron Pollard, and Usman Khan, charismatic batter Rizwan, who make headlines for his explosive performance in the Bangladesh Premier League, is anticipate to have a difficult time.

Joshua Little, Tim David, and Rilee Rossouw won’t be able to join for a few of the matches though.

Shahnawaz Dahani, a promising player, has rule out for the remainder of the league due to a finger injury, dealing the squad yet another setback.

In contrast, the Quetta Gladiators, who are support by season players, have previously been unable to make a comeback and will be looking to break this unfortunate trend.

Mohammad Hafeez, a seasoned all-arounder, has joined Gladiators, the star performer’s third franchise. In the Gladiators’ lineup, he took Ahsan Ali’s spot who was injure.

Today’s third match will include Naseem Shah, Iftikhar Ahmed, Odean Smith, Dwaine Pretorius, Will Jacks, Jason Roy, and Wanindu Hasaranga.

Asad Umar Apologizes to ECP in the Contempt Case

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Asad Umar, PTI general secretary, issues apology to ECP for contempt.

Imran Khan, Asad Umar, and Fawad Chaudhry, the chairman and vice president of the PTI, were the targets of a contempt case hear by the ECP.

As per Asad Umar, nothing about the ECP should be interpreted as an insult. “I apologize if the ECP still believes that it was offend. I give myself over to its whim,” he continue,

A response to the show-cause notice was also facilitate by the PTI leader.

Umar retorted that the notice was unlawful. The ECP, not its secretary, he argued,

“may send a show-cause notice”

The PTI leader insisted that he had not stated anything to incite feelings of contempt and added that he had neither scandalised nor attempted to discredit the ECP.

He tried to claim that the party had rebelled against the ECP’s prejudice.

“The ECP gave a unilateral report based on malice in the restricted funding case.”

As per him, the commission had designated it as a party with foreign funding and had referred the matter to the government.

Because PTI cases give short deadlines and other cases give extend deadlines, the ECP exclusively hears cases that are against the PTI.

He claimed that only the PTI’s investigation was complete in the funding situation as well.

Elections were taking place in their constituency, as per Imran Khan and Fawad Chaudhry’s attorney Faisal Chaudhry. “Fawad and I are running for office together.

So it would be reasonable to announce the date following the election.

The hearing was postpone until Feb. 28 by the ECP.

NEPRA Rejects Lower Rate for Solar-Powered Consumer Buying Electricity

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NEPRA rejects proposal to electricity rates for rooftop solar users.

The National Electric Power Regulatory Authority (NEPRA) has abandoned plans to change the prices of electricity purchased by DISCOs from net metering users after months of rumors’ and significant pressure from various government and corporate sectors.

The regulator previously considered the written and oral objections from stakeholders opposing the downgrade, but ultimately decided not to change the 2015 NEPRA (Alternative & Renewable Energy) Distributed Generation and Net Metering Regulation.

It “acknowledges” today that there are currently not many net metering units, making up less than 1% of the total energy purchased by DISCOs.

As per NEPRA, the economic advantages of net metering in terms of dumping more expensive electricity, saving money on foreign exchange, and eliminating grid inefficiencies are substantial.

The Authority seemed determined to reduce the rate of Rs. 19.32 per unit and replace it with the National Energy Purchase Price (NAEPP) of Rs. 9 per unit in order to raise the sale price of net metering power slightly above the cost of solar projects, so the new perspective is unexpected.

Relevantly, NEPRA suggested NAEPP in Sub-Regulation 5 of Regulation 14 of the Regulations, which started the process of revising the NEPRA (Alternative & Renewable Energy) Distributed Generation and Net Metering Regulations, 2015 about five months ago.

The propose amendment was advertise in newspapers for 30 days to gauge public opinion.

Because of the numerous strong comments from different stakeholders and media stories, the Authority decided to hold a public hearing on the subject on September 27, 2022. Newspapers and the NEPRA website at the time also featured an announcement of the public hearing.

At the hearing, the public and consumers firmly opposed the proposed amendments, arguing that net metering is one of the most efficient methods.

Incurring low distribution losses and requiring no investment in distribution infrastructure, and that the proposed amendment in the Regulations would deter net metering/solar installation.

After months of deliberation, the Authority has given in to pressure from top government officials and private sector investors.

Where as despite the Authority initially emerging confident during the hearing that it would be able to lower the rates of solar electricity purchased by DISCOs from Green Meter holders.

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Ram Charan, Ganesh Acharyaa Shake a Leg on Akshay Kumar ‘Main Khiladi’

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The Superstar, Ram Charan of Tollywood showcases his incredible moves.

Renowned dance choreographer Ganesh Acharya posted a video on Instagram last night of him dancing with Ram Charan in Akshay Kumar’s upcoming film Selfie Se Main Khiladi.

Fans of Akshay Kumar and Ramcharan weren’t ready for this video and it won their hearts by showing them from a different side.

Ganesh Acharya signed it: “I’m glad you liked it!!! Ramcharan #mainkhiladituanari”. The actor also shared the same video on his Instagram story and wrote, “Only for you Akshay Kumar Sahib and Master Ganesh Acharya!! With pleasure”.

Akshay Kumar, who enjoyed the fun, shared the video on his Instagram story and wrote, “Thank you Ram Charan for a job well done as always and masterji (100 percent) #mangirl.”

In terms of work, Ram Charan and Bollywood actress Kiara Advani will next appear together in S Shankar RC 15.

The film will be released in Tamil, Telugu, and Hindi and will be co-produced by Tele Dil Raju and Shrish Garu under the banner of Sri Venkateswara. Creations. . Srikanth, Jayaram, Anjali, and S.J. are also present. Surya. This film will be released in 2023.

On his social media page, the RRR actor uploaded the video and added the message: “Only for You, @akshaykumar sir &@ganeshacharyaa Master!! Enjoyed.”

The Rowdy Rathore star expressed his gratitude for the two wonderful people and felt honored. Thank you, @alwaysramcharan, for nailing it as usual and Master Ji 100 for #MainKhiladi, he said.

The song Main Khiladi is a remake of the classic Main Anari Tu Khiladi, which originally starred Akshay Kumar and Saif Ali Khan. Emraan Hashmi and Akshay are both included in the song this time.

According to IndiaToday, Ram Charan and Kiara Advani are presently filming for the next movie RC 15. He will reportedly make a brief appearance in Salman Khan’s Kisi Ka Bhai Kisi Ki Jaan, according to reports.

 

Custom Caught Passenger Smuggling Over 50 iPhones in Karachi

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Jinnah International Airport customs seized almost 20 million iPhones.

Syed Irfan Ali, a spokesman for the customs department, said Abdul Rasheed Khan’s son Muhammad Arshad Khan had been arrested by authorities at the international arrivals lounge. After he arrived on flight EK-602 USA-Dubai-Karachi during the evening shift.

They suspiciously searched his belongings and discovered several cell phones that had been cleverly hidden. Authorities seized 52 iPhones, including one iPhone 14 Pro Max, one iPhone 14, one iPhone 14 Plus and five iPhone 14 Pro.

The total value of these phones was estimated at Rs.22,300,000. where the tariff of the phone is around 2,000 rupees 6,614,412.

An FIR was registered with the accused, who was later arrested.
in another event The attackers killed a factory worker in Ghaziabad’s Sector 11 Orangi Town district.

Pakistani Bazar police and rescue workers took the body of Ahad Hussain, 25, son of Akhtar Hussain, to Abbasi Shaheed Hospital. holding or wallet of the victim
An investigation is ongoing.

 

PSL 2023: Here’s The Karachi Traffic Plan

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Karachi Police announces traffic diversion plan for PSL match.

According to the details from Karachi traffic police, Press vehicles arriving from karzaz should stop at the National Coaching Center and China Ground, accessed via Habib Ibrahim Rehmatullah Road and the bridge over the stadium on Sir Shah Suleman Road.

After passing through Stadium Road Media cars coming from the Millennium Mall should park at the China Ground National Training Center on Sir Shah Sulaiman Road, to the right of the stadium overpass on Pire Road. Sabkatullah Shah Rashidi

Media vehicles coming from New Town should be parked in the same area on Sir Shah Sulaiman Road on the left side of Aga Khan Hospital past Stadium Road.
The department has also set up a car park in Dalmia near the Gharib Nawaz Football Ground for fans from neighborhoods across the city.

For parking, spectators must present their original ID cards and match tickets. A shuttle service will take them to the National Stadium from the venue.

The department has completely closed the road from Liaquatabad No. 10 and Hassan Square Bridge due to safety concerns.

Similarly, Traffic will not be allowed into the stadium from the Expo Center turning onto University Road. while cars will continue from Stadium Road to Hassan Square.

From the stadium lights to Hassan Square Any form of heavy traffic will be prohibited. Ask the general public to cooperate with law enforcement and traffic police to avoid conflicts.