Sunday, 30 March 2014

06 Important Factors To Consider Before Choosing A Web Host

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1. Price

This is the aspect most of us will look at first when choosing a hosting provider; however, it shouldn’t be the deciding factor. When you see price differences it’s helpful to remember the old maxim that we get what we pay for. Jumping on the cheapest offer you see isn’t necessarily the best idea, especially if you rely on your site to make money. Things like non-outsourced support and quality hardware cost money, and a hosting company that charges $1.99 per month likely won’t offer these features. Take a closer look at the features that each host provides, and THEN compare prices.
Further reference(s):

HostMonk – A site with comprehensive list of hosting companies and their packages. Use this site to compare prices of almost any web hosting companies’ hosting packages.
WHReviews – Reliable web hosting shopping guide.

2. Area of Focus / Specialties

It’s a fact that not all web hosts are right for all different kinds of customers. Some offer great shared plans but don’t have solutions that are good for growing businesses, while others have great enterprise solutions but aren’t the right fit for someone with a small recipe blog. Look into a company’s specialty or area of expertise before you buy, and go with one that understands your particular needs as a customer. You can find reviews and recommendations on the Web, and many of these will talk about a particular company’s strengths and weaknesses.

3. Tech Specs / Limitations

Take a good, honest look at your site and figure out what you want it to do. If you’re hoping to host a blog, an e-commerce site, rich content, and videos, then you shouldn’t go with the cheapest hosting package you can find. A cheap hosting plan probably won’t have the RAM, processing power, and disk space to serve all these needs, and you’ll spend more time dealing with downtime or load issues than you would like. Look to see what you are getting with the cheap host and what features are included in the cost. Do they charge for additional domains, support, backups, etc.. Call them. Ask questions. Tell them what you envision your site’s needs to be. Just don’t take it for granted that they take your site as seriously as you do.

4. Tech Support

In most people’s opinions, this is the big one. When my site, for some unknown reason, goes down, can I call up and get a real, live person on the phone? And, more than that, can they find out what’s wrong and fix it, or at least tell me what I need to do to get my site back online? Before going with a host look into their reputation for customer support. See what kinds of different ways you can contact them when you need support – email, toll-free phone, chat, and so on. Are they staffed 24/7? Do they outsource support?
You’ll find that, like in price and technical specifications, all hosts are not equal. Some hang their hat on their support crew, and some view customer support as an afterthought. Steer clear of the latter.

5. Features / Add-Ons

This area of consideration comes down to the following question – What makes this hosting company special? What extra incentive do they provide to make hosting your site with them just a touch more attractive? Whether it’s multiple data centers, energy-saving practices, or additional features such as regular data backups or free domain privacy, hosting companies often offer more than just servers. If you see one that offers something you need or find important, that can be a good indicator that you should look into using that company.

6. Hardware

You might have to do a bit of reading (or question-asking) to get to the bottom of this one. What kind of machines does your hosting company use? Are they top-of-the-line, out-of-the-box new machines, or are they cobbled together from what might be spare parts and chicken wire? If the hosting company doesn’t say what kind of servers they use, you’ll want to ask, since hardware can affect the performance of both their servers and your site.

CHALLENGES FACING INSURANCE COMPANIES IN KENYA

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Many of the companies including a comp[any for insurance in kenya has a lots of function but aslo has got problems which make less to their efficiency;this has been analysed due to lots of factors such as low fund and lack of qualified skilled labour.

faced by several challenges that make their operation in the Kenyan market not so easy. These challenges are dependent on the people, the status of the market
- laws governing insurance in Kenya and the lack of proper information aboutinsurance.The Kenyan people don't have enough trust in the insurance business
  - majorly due to the number of non-paid claims that lie about within the market.
    - Many claims have not been paid due to prolonged investigations to the point that

READ:ALL ABOUT PROBLEMS FACE CREDITS HOLDERS

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The average person doesn't open a credit card planning to abuse, misuse or lose it. A credit card offers more than just convenience, and it's a basic requirement for shopping, paying bills and building good credit. Understanding how people get into trouble with credit cards will help you avoid the pitfalls of plastic and keep your personal finances in good shape.

Overspending

It's much easier to make a discretionary purchase using a card than digging into your wallet and handing over your cash. It just doesn't seem like you're spending that much money sometimes or really depleting your bank account, and this mindset can lead to high balances. Overspending increases your interest payments, reducing your net worth. High balances also decrease your credit score. If you can't afford to pay cash for something -- and there will be times you can't – ask yourself whether you need to make that purchase. Overspending can lead to serious financial problems, including bankruptcy for more than 1.2 million individuals in 2012.

Late and Missed Payment Penalties

If you don’t pay your monthly card bill on time, you can lose a low interest rate, earn a penalty fee or ding your credit report if you let that payment slide long enough. Let’s say you transfer $2,500 to a card with 0 percent annual interest rate for 18 months. After six months, you miss a payment, losing your 0 percent APR and getting hit with a 20 percent interest rate on your remaining balance. That can cost you more than $400 in extra interest payments. Check your credit reports to see if anyone has reported you as a late payer -- if the information is inaccurate, follow the steps at the reporting agency’s website to get it removed.

Decreased Access to Credit

How you handle your credit cards can decrease your credit score, decreasing your ability to get a car loan, mortgage or even a job, based on some employers' requirements. Closing a card with a zero balance, for example, might seem like a good idea, but if it increases the ratio of your debt to your available credit, closing that card can actually lower your credit score. Applying for multiple cards and letting multiple lenders check your credit score can also lower your score, even if you don't accept or use the new card.

Fraud

Credit card holders are prime targets for petty criminals and cyber hackers. If they steal your card number, they can run up your balances, damage your credit and cause legal problems. Understand the terms of your cards and ask issuers what protection you have in the event someone steals your credit card information and makes fraudulent charges.

Adjustable-Rate Mortgage

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A type of adjustable-rate mortgage (ARM) frequently offered to subprime borrowers. These mortgages are designed as short-term financing vehicles that give borrowers time to repair their credit until they are able to refinance into a mortgage with more favorable terms.

3/27 mortgages have a three-year fixed-interest-rate period after which the interest rate begins to float based on an index plus a margin (known as the fully indexed interest rate). There is a high probability that the fully indexed interest rate will be substantially higher than the initial three-year fixed interest rate; therefore, to avoid payment shock, the intent of 3/27 mortgage borrowers is to be able to refinance the mortgage before the interest rate begins to adjust.
ALSO;
A common mistake many 3/27 mortgage borrowers make is a failure to recognize the risks associated with such a mortgage. Many times they do not recognize how much their monthly payments may increase if the interest rate changes. Even if they plan on refinancing before the interest rate starts to move, they fail to foresee future economic conditions that might make refinancing difficult.

For example, the rate of home price appreciation and home equity play a very important role in a borrower's ability to refinance at a future date. Many borrowers are too optimistic about the rate of home price appreciation. Additionally, many 3/27 mortgages carry prepayment penalties, which make refinancing very costly.

Loans For Unemployed Instant

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Loans For Unemployed Instant

We help you even when you are unemployed
The status of unemployment becomes unbearable when you are low on cash. However, it is going to change forever. With us at Loans for Unemployed Instant, you can receive the monetary help in the form of loans for unemployed. We do not ask our borrowers to become part of extraordinary loan formalities.
Collateral free cash solution
We also readily accept applications for from non-asset holders. We understand your financial state. Hence, you will not have to show any papers regarding your property status. In short, under every circumstance, you will get a sure-shot approval.
All credit-profile accepted
Credit checking is not a formality that you will have to bear when you apply with us. Our representatives will never enquire about your credit score status. Consequently, it does not matter how many defaults or arrears you hold in your credit report. We will not delay your loan approval over your low credit score issue.
Hassle free application process
Feel like applying for the loans for unemployed right away? Yes, you can. The loans are available day and night. Hence, you need not check the time before making application. We assure you that we will process your loan request as soon as we receive it. Just visit our website and go to the Apply Now page.
The application form is ready to be filled up. Provide the required details and click the Submit button. That’s it. Frankly, it will not require more than a few minutes to complete the form and send it to us.
Do not worry; you will not be asked to fax your documents. We have made the loans absolutely paperless. Therefore, you can apply for this cash support from anywhere and anytime.

REGULATION OF INSURANCE COMPANIES

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Insurance regulation that governs the business of insurance is typically aimed at assuring the solvency of insurance companies. Thus, this type of regulation governs capitalization, reserve policies, rates and various other "back office" processes.

European Union

Member States of the European Union each have their own insurance regulators. However, the E.U. regulation sets a harmonised prudential regime throughout the whole Union. As they are submitted to harmonised prudential regulation, and in consistency with the European Treaty (according to which any legal or natural person who is a citizen of a Union member State is free to establish him-, her- or itself, or to provide services, anywhere within the European Union), an insurer licensed in and regulated by e.g. the United Kingdom's financial services regulator, the Financial Services Authority, may establish a branch in, and/ or provide cross-border insurance coverage (through a process known as "free provision of services") into, any other of the member States without being regulated by those States' regulators. Provision of cross-border services in this manner is known as "passporting".

India

See also: Insurance Regulatory and Development Authority

The insurance sector went through a full circle of phases from being unregulated to completely regulated and then currently being partly deregulated. It is governed by a number of acts. The first statute in India to regulate the life insurance business was the Indian Life Assurance Companies Act, 1912. The Insurance Act of 1938^[4] was the first legislation governing all forms of insurance to provide strict state control over insurance business. Life insurance in India was completely nationalized on January 19, 1956, through the Life Insurance Corporation Act. All 245 insurance companies operating then in the country were merged into one entity, the Life Insurance Corporation of India.
The General Insurance Business Act of 1972 was enacted to nationalise the about 100 general insurance companies then and subsequently merging them into four companies. All the companies were amalgamated into National Insurance, New India Assurance, Oriental Insurance and United India Insurance, which were headquartered in each of the four metropolitan cities.
Until 1999, there were no private insurance companies in India. The government then introduced the Insurance Regulatory and Development Authority Act in 1999, thereby de-regulating the insurance sector and allowing private companies. Furthermore, foreign investment was also allowed and capped at 26% holding in the Indian insurance companies.
In 2006, the Actuaries Act was passed by parliament to give the profession statutory status on par with Chartered Accountants, Notaries, Cost & Works Accountants, Advocates, Architects and Company Secretaries. A minimum capital of US$80 million(Rs.400 Crore) is required by legislation to set up an insurance business.

VIDEO:ANGALIA HARUSI YA WANA 'JF' SIKU YA JANA JUMAMOSI

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VIDEO:ANGALIA VIDEO HII IITWAYO PAIN OF LOVE

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CV YA MH.EDWARD LOWASSA_WAZIRI MKUU MSTAAFU

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Member of Parliament CV

GENERAL
Salutation	Honourable	Member picture
First Name:	Edward
Middle Name:	Ngoyai
Last Name:	Lowassa
Member Type:	Constituency Member
Constituent:	Monduli
Political Party:	CCM
Office Location:	P.O. Box 139, Monduli
Office Phone:	+255 754 800000
Ext.:
Office Fax:	+255 22 2452037
Office E-mail:	elowassa@parliament.go.tz
Member Status:	Current Member
Date of Birth	26 August 1953

EDUCATION
School Name/Location	Course/Degree/Award	Start Date	End Date	Level
University of Bath, UK	MSc. (Development Studies)	-	-	MASTERS DEGREE
University of Bath, UK	MSc.	1983	1984	MASTERS DEGREE
University of Dar Es Salaam	BA (Edu) Hons.	1974	1977	GRADUATE
Milambo Secondary School	A-Level Education	1972	1973	HIGH SCHOOL
Arusha Secondary School	O-Level Education	1968	1971	SECONDARY
Monduli Primary School	Primary Education	1961	1967	PRIMARY

EMPLOYMENT HISTORY
Company Name	Position	From	To
Tanzania Government	Prime Minister	2005	2/8/2008
Ministry of Water and Livestock Development	Minister	2000	2005
State, Vice President's Office	Minister for Environment & Poverty	1997	2000
The Parliament of Tanzania	Member - Monduli Constituency	1995	2015
Ministry of Lands, Human Settlement Development	Minister	1993	1995
State, Prime Minister's Office and First Vice President	Minister (Judiciary &Parliamentary Affairs)	1990	1993
Arusha International Conference Centre	Managing Director	1989	1990

POLITICAL EXPERIENCE
Ministry/Political Party/Location	Position	From	To
Chama Cha Mapinduzi, CCM	Member	1990	Todate
Chama Cha Mapinduzi, CCM	Party Executive-District, Regional &Head Office	1977	1989

HII NDIO CV YA MH.JOHN MAGALE SHIBUDA-MBUNGE WA MASWA

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ember of Parliament CV

GENERAL
Salutation	Honourable	Member picture
First Name:	John
Middle Name:	Magale
Last Name:	Shibuda
Member Type:	Constituency Member
Constituent:	Maswa Magharibi
Political Party:	CHADEMA
Office Location:	P.O.Box 5, Maswa
Office Phone:	+255 754 465597
Ext.:
Office Fax:
Office E-mail:	jshibuda@parliament.go.tz
Member Status:	Current Member
Date of Birth	23 February 1950

EDUCATION
School Name/Location	Course/Degree/Award	Start Date	End Date	Level
Moshi Technical Secondary School	O-Level Education	1967	1970	SECONDARY
Sayu Sayu Primary School	Primary Education	1958	1962	PRIMARY
Makoko Seminary	Primary Education	1962	1966	PRIMARY

EMPLOYMENT HISTORY
Company Name	Position	From	To
General Tyre East Africa Co. Ltd	Field Technical Product Observation Officer	9/1/1972	9/30/1973
UAC Tanzania Ltd - Machinery Services	Technical Marketing Assistant Manager	3/1/1978	11/30/1978
General Tyre East Africa Co. Ltd	Customer Company Service Care & Marketing Rep.	3/1/1974	9/30/1976
General Tyre East Africa Co. Ltd	Technical Mechanical Installation Officer	3/1/1971	9/30/1971
The Parliament of Tanzania	Member (Maswa Constituency)	2005	2010
Habit Ride Tanzania Ltd	Director/Chairman	2004
Clear Channel Independent Africa (TZ) Ltd	Tanzania Resident Director	2001
Canadian Porserve Ltd	Resident Company Representative	2/28/1993	1997
Tanza Intl. Agr. Inputs Ltd. Norway Nordox Agency	Managing Director	1998
African Road Works Company	Director of Operation	12/1/1979	1989
Cooper Motors Tanzania Corporation Ltd	Company Stock Verifier	12/1/1978	11/30/1979
Domestic Appliances & Bicycle Co. Ltd	Retail Shop Manager	10/1/1976	2/28/1978
General Tyre East Africa Co. Ltd	Technical Marketing Service Officer	10/1/1973	2/28/1974
General Tyre East Africa Co. Ltd	Factory Production Supervisor	10/1/1971	8/30/1972
Al-Abbady Trading Company Ltd	Business Executive Manager	1/1/1990	1/1/1973

POLITICAL EXPERIENCE
Ministry/Political Party/Location	Position	From	To
Chama Cha Mapinduzi - CCM	Chairman - Regional Parents Association	2002	2003
Chama Cha Mapinduzi - CCM	Member of National Executive Council (Shinyanga)	2000	2002
Chama Cha Mapinduzi - CCM	Youth Deputy Commander - Shinyanga	2000	2003
Chama Cha Mapinduzi - CCM	Development Coordinator - Shinyanga	1995
Chama Cha Mapinduzi - CCM	Member of National Executive Council (WAZAZI)	1994	1999
Chama Cha Mapinduzi - CCM	Coordinator (Fund raising for strengthening CCM)	1993
Chama Cha Mapinduzi - CCM	Member - Dar es Salaam Region Task Force	1991
Chama Cha Mapinduzi - CCM	Member - Dar es Salaam Fund Raising Task Force	1990
Chama Cha Mapinduzi - CCM	Member - Dar es Salaam Youth Task Force	1989
Chama Cha Mapinduzi - CCM(Ilala)	Coordinator of the Race for the Uhuru Torch	1989
Chama Cha Mapinduzi - CCM	Leader - Upanga West Branch	1987	Todate
Chama Cha Mapinduzi - CCM	Member of Upanga West National Council	1987	Todate
Chama Cha Mapinduzi - CCM	Member of Ilala District Political Committee	1987	1992
Chama Cha Mapinduzi - CCM	Member of Ilala District Council	1987	1992

MVUA ZALETA MADHARA MAKUBWA JIJINI DAR ES SALAAM

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MVUA ZALETA MADHARA MAKUBWA JIJINI DAR ES SALAAM

Mvua zinazoendelea kunyesha jijini Dar es Salaam, zimeleta adha kubwa, huku baadhi ya wakazi wakilazimika kuhama baada ya makazi yao kukumbwa na mafuriko.

Gazeti la Mwananchi lilitembelea sehemu mbalimbali jijini jana na kushuhudia mafuriko makubwa, huku baadhi ya nyumba kuta zake zikiwa chini baada ya kuzidiwa na maji.

Kinondoni:

Katika maeneo ya Tanesco Mkoa wa Kinondoni Kaskazini, Msasani Bonde la Mpunga na Mikocheni A Mtaa wa Vyura, hali ilikuwa mbaya zaidi, pamoja na nyumba nyingi hasa za Msasani kuwa nzuri na za ghorofa, lakini zilikuwa zimejaa maji eneo la chini kiasi cha kutoingilika.

Msasani:

Eneo la Msasani ndilo lililoathirika kwa kiasi kikubwa na mafuriko, kwani barabara nyingi hazikupitika kirahisi kutokana na kujaa maji na kusababisha msongamano mkubwa wa magari.

Maeneo ya Hospitali ya TMJ, Ofisi za Tanesco na Jengo la Biashara la Shoperz Plaza, hali ilikuwa mbaya kutokana na maeneo hayo kujaa maji kwa kiasi kikubwa.

Katika Mtaa wa Vyura Msasani, ambako kuna kliniki maalumu inayotoa matibabu ya figo, maji yalikuwa yamejaa kiasi cha kuwekwa mashine za kunyonya kuyatoa nje.

Tabata:

Katika eneo la Tabata hali ilikuwa mbaya zaidi kwani kuna baadhi ya maeneo magari hayakuweza kupita kabisa kutokana na barabara nyingi kujaa maji.

Daladala zinazofanya safari zake kati ya Tabata Segerea-Mnazi Mmoja, zililazimika kuishia Buguruni kutokana na barabara ya Uhuru kujaa maji na kushindwa kupitika.

Mbowe-Tumalize mjadala kwa maridhiano badala ya vijembe

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Mbowe-Tumalize mjadala kwa maridhiano badala ya vijembe

Baada ya mvutano mkali ndani ya Bunge Maalum la Katiba, Mwenyekiti wa Umoja wa Katiba ya Wananchi (Ukawa), Freeman Mbowe, ameshauri wajumbe kumaliza mjadala kwa maridhiano badala ya kulumbana na kurushiana vijembe.

Mbowe ambaye pia ni Kiongozi wa Kambi ya Upinzani bungeni, alitoa ushauri huo juzi wakati akichangia mjadala wa mabadiliko ya kanuni ya 37 na 38 ya bunge hilo, yalipendekezwa na Kamati ya Kanuni ya Bunge hilo kuwa kila mbunge awe huru kupiga kura ya wazi au ya siri.

Alisema mjadala unaoendelea hautafika mwisho kutokana na pande mbili zinazokinzana kila moja kushikilia msimamo wake, hali ambayo inasababisha baadhi ya wabunge kutoka kwenye mada ya msingi na kuanza kudhalilishana.

“Mimi sitaki kujikita kwenye kura ya siri wala kura ya wazi, isipokuwa napenda kushauri kuwa suala hili ili lipate ufumbuzi tulipeleke kwenye kamati ya maridhiano badala ya kuendelea kulumbana kwani naamini kuwa tunaweza kuzungumza kwa muda mrefu na hatutafikia uamuzi,” alisema Mbowe.

Aliwaambia wajumbe kuwa yapo mambo mengi na mazito ambayo tayari yamekwishaamuliwa na bunge hilo kwa maridhiano, haoni sababu ya kuendelea na mjadala usiokuwa na mwisho badala ya kutumia njia hiyo ya maridhiano ambayo tayari imekwishaonyesha njia kwa baadhi ya mambo.

Wazo hilo liliungwa mkono na baadhi ya wajumbe hilo akiwemo Teddy Ladislaus, ambaye anawakilisha wanafunzi wa elimu ya juu.

Katika kuonyesha kuwa mawazo ya Mbowe yalizingatiwa na Mwenyekiti, kabla ya kuahirisha kikao hicho, Mwenyekiti Samwel Sitta aliteua baadhi ya wajumbe kuingia kwenye kamati ya muda ya maridhiano na kuwataka wakutane usiku huo.

Baadhi ya wajumbe kamati ya Muda ya Maridhiano ni Profesa James Mwandosya, Anne Kilango Malechela, Profesa Ibrahim Lipumba, Mbowe, Peter Mzirai, James Mbatia, Anna Abdallah, Dk. Asha Rose Migiro , Askofu Dornald Mtetemela, Amon Mpanju, Fredrick Werema na Hamad Rashid.

Kamati hiyo ilitakiwa kujadili suala hilo na kuwasilisha mapendekezo yake kwa Mwenyekiti kabla ya kupelekwa bungeni ili kutoa uamuzi wa mwisho.

Kanuni ya 37 na 38 ziliwekwa kiporo mwezi uliopita wakati wa kupitisha kanuni nyingine kutokana na wajumbe kushindwa kufikia mwafaka baada ya baadhi yao kutaka itumike kura ya siri wakati wa kufanya maamuzi huku wengine wakitaka iwe ni kura ya wazi.

Licha ya kanuni hizo juzi kuletwa bungeni kwa mara ya pili, bado wajumbe wa Bunge Maalum la Katiba waliendelea kuvutana na kutofikia makubaliano, hali iliyomlazimu Freeman Mbowe kupendekeza suala hilo liamuliwe kwa maridhiano.