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Topic 23: Legal Aspects of Insurance - 67 (4) Estoppel prevents one from denying a fact if the fact was admitted to be true by previous actions If one party to a contract waives its right to enforce a part of the contract, and the other party relies on that waiver, the rst party is prevented (estopped) from enforcing it later (5) Rescission An insurance policy may be rescinded if one party can prove that the other party misrepresented material nformation in the preparation or negotiation of the insurance contract (6) Reformation is the changing of an existing contract, not the creation of a new one It is done when both parties agree to change the new contract from what was originally intended (7) Conditional The insurance company is obligated to pay a claim on the condition that a covered loss is sustained C Categories for analyzing insurance contracts (1) Declarations are factual statements identifying the speci c person, property, or activity being insured and the parties to the insurance transaction (2) The de nitions section of the policy is an explanation of the key policy terms (3) The insuring agreement is the heart of the insurance policy This agreement(s) spells out the basic premise of the insurance company An example is an agreement to pay the face amount of the policy in the event of the insured s death (4) Exclusions are items that the insurer does not intend to cover A practical result of exclusions is to hold down the premium cost of coverage for policy owners (5) Conditions The insuring agreement is a quali ed promise that is enforceable only if the policy owner ful lls the conditions that are spelled out in the policy An example of these conditions is timely payment of premiums (6) Policy continuation One of the most important miscellaneous provisions of a policy relates to the right of the owner to continue coverage These policy renewal provisions fall into ve categories: (a) Noncancelable This gives the policy owner the right to renew the coverage at each policy anniversary date, and future rates in the coverage are guaranteed in the contract itself (b) Guaranteed renewable Like a noncancelable policy, a guaranteed renewable policy gives the policy owner the right to renew the coverage at each policy anniversary date, but the insurer does not guarantee future rates for the coverage (c) Nonrenewable for stated reasons only These policies often qualify as guaranteed renewable, but allow the insurer to refuse to renew the policy for conditions speci cally listed in the policy (d) Optional renewable This gives the insurer the unilateral right to refuse to renew a policy at the end of any period for which premiums have been paid (e) Cancelable A few property and liability policies are cancelable during the period for which premiums have been paid (7) Valuation of losses Another type of miscellaneous provision concerns a required sharing in the amount of the loss by the insured For example, deductibles are common in homeowners insurance, auto insurance, and medical expense insurance (8) Endorsements and riders An endorsement or, in life insurance, a rider is a provision added to the policy, generally for an extra premium charge As a general legal principle, whenever the wording in an endorsement or rider con icts with the terms of the policy to which it is attached, the endorsement or rider takes precedence.



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In Visual Basic .NET Using Barcode generation for .NET . 5 Decoder In .NET Using Barcode recognizer for .423 ACCOUNTING FOR CHANGES IN FIRM MEMBERSHIP (a) Effect of Change in Partners (b) New Partner Purchasing an Interest (i) Purchase at Book alue (ii) Purchase at More than Book Value (iii) Purchase at Less than Book Value (c) New Partner s Investment to Acquire an Interest (i) Investment at Book Value (ii) Investment at More than Book Value (iii) Investment at Less than Book Value (iv) Goodwill Method (d) Settling with Withdrawing Partner Through Outside Funds (i) Sale at Book Value (ii) Sale at More than Book Value (iii) Sale at Less than Book Value (e) Settlement Through Firm Funds (i) Premium Paid to Retiring Partner (ii) Discount Given by Retiring Partner (f) Adjustment of Capital Ratios.Related: 

Owners of properties with over 12 units (or the equivalent number of tenants in several properties), as well as absentee owners, manage their properties through a professional management company You ll pay a fee for the service typically 2 to 5 percent of the property s gross monthly revenue yet have the advantage of working with a company far more experienced in management than you are Specific advantages of contracting out management to a professional firm include the following: The firm will have established bookkeeping procedures, accounting practices, and management systems, reducing hassle for you The firm typically has access to suppliers who can provide bulk-buying discounts and good service You ll avoid worrying about the selection of tradespeople for maintenance, as the management company will usually have a roster of contractors with whom it works Tenant relations will be the firm s responsibility, including showing apartments, selecting tenants, and negotiating tenancy agreements and leases, though you ll set the ground rules (such as no pets, no smokers, and the like) Collecting rents, paying bills, and maintaining relevant records will be the manager s job, with your involvement limited to review of the monthly statement to ensure operations are running smoothly You may have the option of assigning management of your condo unit to the management company the building council employs This is advantageous because you get to work with a company that comes with a solid reference, and which knows the building Some jurisdictions, such as Saskatchewan and British Columbia, require licenses for third-party property managers Check ith your province s real estate council and know regulations govern property managers in your area, and make sure if required your property manager is licensed, or has appropriate training and experience to handle your properties Because the management company will handle only the tasks you assign to it, you may also authorize the appointment of a resident manager if you believe you should have someone on site As with any business arrangement, have a written management contract that clearly defines the role of the management company and the resident manager, if applicable And make sure your lawyer reviews the contract before you sign it!.

Both linear and two-dimensional barcodes are available to be directly generated in Microsoft Office word ocuments using KeepAutomation barcode generator addin. In addition, our barcode generator product also enables GS1 and Postal barcode images to be created for word within a few seconds. to be generated; Easy to create 2D barcodes . Besides, users are entitled to type needed data information and insert barcode images into ain document for sending email-message to others. Furthermore, barcode labels are able to be created. And all the remaining labels on the main document can be replaced by barcode images within a few clicks.Related: Barcode Generating VB.NET , Barcode Generator Excel Library, ASP.NET Barcode Generation

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Using Barcode recognizer for Visual Studio NET Control o read, scan read, scan image in NET framework applications Therefore, online customers have to trust an e-vendor from which they purchase; otherwise, the ocial complexity will cause them to avoid purchasing [7] 1323 Calculus-Based Trust Antecedents In economic transactions, parties develop trust in a calculative manner [10] To make a calculus-based trust choice, one party rationally calculates the costs and bene ts of other party s cheating or cooperating in the transaction Trust develops if the probability of that party performing an action that is bene cial or at least not detrimental to the rst party is high [10] Consumers can obtain pieces of information regarding an e-vendor s trustworthiness through a variety of channels Calculus-based trust develops because of credible information regarding the intentions or competence of the trustee.

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The credible information, such as reputation and certi cation, can signal that the trustee s claims of trustworthiness are true Theoretical evidence has shown that calculus-based trust can be a powerful form of trust to facilitate electronic transactions [11] 1324 Knowledge-Based Trust Antecedents Previous research proposes that trust develops as a result of the aggregation of trust related knowledge by the involved parties [12] This knowledge is accumulated either rst-hand (based on an interaction history) or second-hand One of the knowledgebased antecedents for trust tested by previous researches is familiarity, an understanding of what, why, where, and when others do what they do [7] Familiarity emerges as a result of one s learning gained from previous interactions and experiences It reduces environmental uncertainty by imposing a structure.

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