The Positives of Captive Insurance

Captive coverage is something that has been practiced by businesses for years. The industry was first created so that businesses could cover themselves against things that they couldn’t find coverage for before. It works by the company basically forming their own insurance provider that operated offshore. This both acted as a way to deal with taxes and a way to manage risk.

As time went on, a larger number of smaller businesses started adopting the practice, even combining with other small companies to form these subsidiaries. The benefits for these smaller companies are the same as they are with larger ones, but just on a smaller scale. Many of these companies are privately owned. What are the benefits for companies getting into captive coverage?

The Benefits of Captive

  1. Tax Benefits – The parent company that provides the insurance can get some tax deductions that other companies can’t get. They basically get a deduction of any premium that they have to pay. There are some other tax benefits as well for company shareholders and estate tax savings.
  2. Different Styles – There are many different kinds of businesses. Because of this, there has to be multiple different kinds of captive Insurance parent companies to fulfill their needs. This means each company can find the perfect match for them, especially as the market grows and adapts to what is going on around it.

What Kind of Companies Can use Captive Coverage

How can a company know if a captive parent company is right for them? First of all, this type of coverage is usually only appropriate for company’s that have profits and are looking to increase the tax deductions. While the companies can be smaller, they usually need at least $500k in profits annually to qualify for the coverage. The coverage is also important for any company that is looking to increase the protection of its assets.

Forming a captive company is not a quick and easy process. A lot of research needs to be done to gather the stats and information needed to apply for an insurance license. Risk needs to be assessed correctly to determine what the appropriate coverage level is. Don’t forget, the captive must act exactly like a traditional insurance company to qualify for all of the tax benefits that come with it. It is good to hire a company that has experience in the industry to run it in order to stay and remain compliant.

How Should You Choose The Best Growth Hormone Supplement For You?

Growth hormones are an integral part of the body system that enhances the growth of cells in the bones and muscles. These hormones are highly regulated in the body at specific periods of age. Deficiency or overproduction of these hormones leads to imbalances in the growth of the body. As an effective medication for these diseases, synthetic forms of growth hormones are administered.

There are several GH pills for height and bodybuilding purposes. Therefore, choosing the best product for your purpose is a daunting task. There are several considerations needed to be taken regarding your choice for GH pills. The three most important considerations are ingredients, purity, and efficacy. The need for these growth hormones surfaces when the master regulator of hormone- pituitary gland fails to function properly. Under such circumstances, patients turn to pills or enhancers to supplement the need of the growth hormone.

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Effect of growth hormone in the body

Under normal circumstances, growth hormones are produced and manufactured by the pituitary gland. The organ is located in the brain and receives master signals from the hypothalamus. Upon reception of these growth signals, the pituitary gland releases the growth hormones into the bloodstream. Upon release of these growth hormones, production, and secretion of another growth hormone called IGF-1 take place in the liver. All these growth hormones function in the growth and development of major cells of the body.

People normally relate growth hormones with the growth of long bones in infants and adolescents. However, it has also been found to trigger the production of protein, muscle development as well as the growth of organs. IGF-1 and other growth hormones are found to be involved in several metabolic processes like lipid and fat metabolism, regulating the lean muscle mass to fat ratio of the body amongst several other functions.

Therefore, improper functioning of the pituitary gland results in complications of the body. Short stature, improper development of organs and imbalances in general metabolism are some of the outcomes of growth hormone deficiency. These imperfections can be ameliorated with growth hormone therapy.

Growth hormone Brands

There are over 24 brands for the synthetic form of growth hormone Somatotropin called Somatropin. These brands differ in their effectiveness for the diseases depending on the source of the disease. For example, it has been found that Serostim is most effective in the treatment of cachexia or other muscle-wasting symptoms generally associated with AIDS. Similarly, Norditropin is used for the treatment of childhood-related growth hormone deficiencies like Prader-Willi syndrome or Turner syndrome.

How to choose the best growth hormone supplement?

There are certain things to be kept in mind while choosing the best Growth hormone supplement for you. Most of these supplements provide nutritional support for the pituitary gland. Most of these supplements come in the form of tablet, pills, cream or in spray form. The best choice contains a wide variety of essential amino acids that are required for the production of proteins. These amino acids include L-Ornithine, L-Arginine, L-Lysine, L-Glutamine, L-Valine and L-Isoleucine to name a few.

These amino acids help to trigger the pituitary gland for the production of the growth hormones. Therefore the best way is to go for a balanced combination of these steroids, exercise and nutritional diet to obtain the optimal benefits for your body.

These are some of the attributes of growth hormone pills. Many athletes and bodybuilders use these GH pills for height and bodybuilding. If you wish to administer these drugs, it is best to consult your doctor and get the dosage determined for the optimal benefit for your body.

Weight Loss Therapy

Growth hormone or HGH is regarded as a peptide hormone for stimulating growth, cell reproduction, and cell regeneration. Growth hormone is very important for human development. GH can reverse the clock for you making you build muscle fast, lose weight fast and increase libido. Growth hormone is a stress hormone to raise the concentration of free fatty acids and glucose. It is responsible for stimulating the production of IGF-1. A recombinant formula of HGH is used as a prescription drug for treating children’s growth syndromes and adult GH deficiency. Physicians now mainly prescribe GH to increase vitality as it upsurges fat breakdown to supply the users with more resistance.

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HGH injections

The most common treatment for growth hormone therapy among the children and the adults is using lab-developed growth hormone injections. The injections are designed to supply the users’ body with the behavior of the natural HGH. The injections are reconstituted with bacteriostatic water and the dosage is managed several times daily or weekly depending on the deficiency. Treatments often continue for several years also and patients visit their doctor to check their condition. Based on the blood test the physician decides whether the patients need extra growth hormone or not. The physicians also decide the treatment levels, like it should be increased, reduced or stopped.

The doctor also checks blood sugar levels, cholesterol levels, and bone density to see if his patient is healthy. Taking GH also affects patients’ response to insulin that controls blood sugar levels. Lack of GH in the body can result in brittle bones and high cholesterol if not treated properly. Treatment of growth hormone deficiency depends on the patients’ tolerance level for a particular treatment, age, degree of the condition, treatment expectations, medical history and his overall health. If the children are treated earlier then they survive a better change to a near-normal height. Children can increase nearly 4 inches of their height in the initial 3 years of treatment.

Serving other purposes also

Growth hormone injections are extremely popular for nonmedical usage also. Athletes and bodybuilders use the injections for greater muscles, increased stamina, and more energy. Normal people too look forward to the injections for increasing their energy and to fight the decline of muscle and bone mass that is natural with age. The injections should be strictly recommended by a physician as an overdose of growth hormone badly affects the skin and the built of people. In addition, children and adults should largely focus on things like balanced diet, plenty of sleep and a useful exercise for a proper outcome.

It is vital to know about the safety of the injection for reducing the adverse risk of side effects and to improve the efficiency of the drug. In numerous conditions, the injections require the composition of both water and the powder prescribed by the physician. The mixture is made like this. The syringe getsreconstituted with bacteriostatic water and then the pre-measured water is put into the vial enclosing the powder. The real HGH injection will be transferred into another syringe for the purpose of sterility and it is then injected into the patient’s body.

Airbnb to Double Investment in China, Adopt New Name

Airbnb, the home rentals website, said on Wednesday it would double its investment in China, triple its workforce there and change its name to “Aibiying” in Chinese.

Airbnb CEO Brian Chesky said the name, which translates to “Welcome each other with love”, reflected the company’s commitment to succeeding in the country.

Airbnb to Double Investment in China, Adopt New Name

“There’s a whole new generation of Chinese travellers who want to see the world in a different way,” Chesky said at a launch event in Shanghai.

“We hope that Aibiying… strikes a chord with them,” he said, according to a company statement.

The statement did not provide figures on the increased investment. The company recently ended a successful $1 billion fundraising drive.

Airbnb currently has 60 employees in China and wants a total of 180 by the end of the year, a spokesperson said.

There have been 5.3 million guest check-ins by Chinese travellers at Airbnb listings around the world, and outbound travel from China grew by 142 percent in 2016 alone, the company said.

Domestically, Airbnb will aim to grow from its approximately 80,000 existing listings in China, where the website became available at the end of 2014.

Airbnb competes in the world’s second-largest economy with domestic home rental websites and

Airbnb is not the first US-based technology firm to make a big push into the Chinese market but not all have found success.

US car-hailing giant Uber agreed last August to tie up with China’s Didi Chuxing, ending a ferocious battle between the two for market share.

The agreement left Didi Chuxing with unquestioned control of the ride-sharing sector.

Founded in 2008, Airbnb has become a popular alternative to hotels worldwide, allowing homeowners to rent out their properties by marketing them online for a fee.

Vikalp ‘Alternative Train Accommodation Scheme’ to Launch on April 1

From April 1, waitlisted passengers can avail the opportunity of travelling in premier trains like Rajdhani or Shatabdi even if they have booked tickets in other mail or express trains for the same destination.

Widening the scope of availing confirmed berths in trains, Railway Minister Suresh Prabhu Wednesday launched the alternative train accommodation scheme – Vikalp – to be effective from April 1.

As of now, the scheme will be available in online bookings and later extended to counters.


Vikalp 'Alternative Train Accommodation Scheme' to Launch on April 1Under this scheme, waitlisted passengers can get confirmed berths in the next alternative train if they opt for it while booking their tickets. There would be no extra charges or any refund provided for the difference of fares.

After a successful pilot run in six routes, the scheme has been extended to all train routes across the country.

The scheme aims to target about 1.5 lakh berths which remain vacant per day during lean season in some popular trains including premier and special services.

‘Vikalp’ envisages to utilise vacant berths in premier trains, including Rajdhani, Shatabdi, Duronto, and special service such as Humsafar and Suvidha trains in all major routes across the country with no extra cost to passengers.

Describing the scheme as “passenger friendly”, Prabhu said, “Some of our premier trains run with vacant berths at times and we hope those can be filled up through scaling up Vikalp scheme. It is for the passengers’ benefit.”

Any waitlisted passenger who has booked ticket online earlier can avail the new scheme now by opting for alternative trains through the IRCTC ticketing site.

The railways has to forego about Rs. 7,500 crores annually in refund to customers, out of which Rs. 3,500 crores is on the account of cancellation of waitlisted tickets. The rest are for RAC and confirmed tickets which get cancelled for various reasons.

A senior railway ministry official said, “We aim to achieve the twin objectives of providing confirmed berths to waitlisted passengers and ensure optimal utilisation of available accommodation by this scheme.”

After introduction of flexi-fare system in premier trains, some berths are going vacant while at the same time many passengers could not be accommodated in other Mail or Express trains due to huge demand.

The railways maintain that in any case these berths are running vacant. Since no additional cost is involved to the railways, anything that is saved will be earnings for it.

As per the scheme, passengers opting for ‘Vikalp’ scheme while booking tickets will get SMS alert on his/her mobile phone about confirmed accommodation in the next train running on the route.

The name of the passenger, who has been provided berth in the alternative train will not figure in the waitlisted charts of the original train. A separate list of passengers transferred in alternative train will be provided along with the confirmed charts.

iPhone 7 Tops in Q4 as iPhone 6s Ranked the Best-Selling Smartphone of 2016 by IHS Markit

The iPhone 7 and iPhone 7 Plus have emerged as the best-selling smartphones of 2016 fourth-quarter, while iPhone 6s was named the highest-selling smartphone for the whole year by financial services firm IHS Markit. For the full year, Apple’s smartphones took the top four spots in the list of best-selling smartphones, while Samsung handsets took five spots in the top 10.

“Apple again has demonstrated that its new iPhones integrate enough innovations and new features to drive sales and remain successful in the market. The company is also capable of selling older devices for an extended period of time,” the statement added.

iPhone 7 Tops in Q4 as iPhone 6s Ranked the Best-Selling Smartphone of 2016 by IHS Markit

Best-selling smartphones in the world in 2016:

  1. Apple iPhone 6s
  2. Apple iPhone 7
  3. Apple iPhone 7 Plus
  4. Apple iPhone 6s Plus
  5. Samsung Galaxy S7 Edge
  6. Samsung Galaxy J3 (2016)
  7. Oppo A53
  8. Samsung Galaxy J5
  9. Samsung Galaxy S7
  10. Samsung Galaxy J7

The now two-year-old iPhone 6s Plus was also among the most-shipped models of 2016.

Meanwhile, Samsung Galaxy S7 Edge and Galaxy S7 ranked fifth and ninth, respectively, outperforming Galaxy S6 and Galaxy S6 Edge in terms of sales. With the recall of the Samsung Galaxy Note 7, the Galaxy S7 and Galaxy S7 Edge became the best flagships in the premium line-up of Samsung.

One of the models of Chinese manufacturer Oppo has also been listed among the top ten ranking. Oppo registered a growth of 109 percent in smartphone shipments in 2016 to become the fourth largest smartphone maker in terms of unit shipment.

“Huawei, the third largest smartphone maker after Apple and Samsung, did not have any models in the top 10 most-shipped smartphones in 2016. Similar to Samsung, Huawei continues to address multiple smartphone pricing segments – either with its own Huawei-branded handsets or with those of its sub-brand, Honor. In the premium segment, Huawei’s P9 was among its own top five most-shipped smartphone models in 2016, performing better than previous flagships,” the company’s news release said.

GoDaddy Launches ‘Mobile-Friendly’ Website Builder for Small Businesses in India

Global Web-hosting company GoDaddy on Wednesday launched a new mobile-friendly “Website Builder” in India to help small businesses and entrepreneurs grow their ventures.

The “Website Builder” features an integrated suite of online tools to help small businesses and entrepreneurs create an audience for their businesses and drive traffic to their website.

“India is our largest market outside of the US and we at GoDaddy have made big investments here. We have over 7,50,000 customers in India,” Andrew Low Ah Kee, Executive Vice President, GoDaddy International, told IANS.

GoDaddy Launches 'Mobile-Friendly' Website Builder for Small Businesses in India

“In India, over 34 million small businesses are still offline. GoDaddy’s new ‘Website Builder’ is designed to help small businesses across country to create a professional online identity with ease, helping to grow their business online,” he added.

‘Website Builder’ with integrated marketing features enables small businesses to quickly improve their Google search rankings and help jumpstart email marketing campaigns.

The company also launched a new integrated marketing campaign focused on educating Indian small businesses on the value of going beyond traditional marketing and the importance of being visible on the Internet.

“The campaign reinforces that with a strong digital presence, small business owners have an opportunity to be more visible and potentially grow their business,” added Nidhi Hola, Senior Director, Marketing, GoDaddy India.

Powered by smart algorithms and machine learning, the website builder helps customers with continuous activity updates and ways to improve results and evolve their businesses throughout their lifecycles

The new Website Builder is available in four different pricing options following a one month free trial: Personal (Rs. 99/month), Business (Rs. 479/month), Business Plus (Rs. 679/month) and Online Store (Rs. 999/month).

With Alexa integration and mapping, iRobot aims to make Roomba the center of the smart home

iRobot CEO Colin Angle has been repeating for some time now that the next step in the evolution of the company’s hit Roomba vacuum is becoming a connective tissue for the smart home. This morning’s announcement from the company takes it a couple of steps closer to that dream, introducing Alexa voice integration and advances to robotic vacuum’s mapping system that lay the groundwork for future smart home upgrades.

“Roombas are already becoming one of the commonly found connected devices in the home,” Angle tells TechCrunch. “The popularity of the Roomba has made it a very powerful ambassador for connected devices, but its ability to organize physical information in the home is making it a central player in allowing homes to be more intelligent. You need to be aware of where things are in order to have a home do the right thing without programming it.”

The company isn’t leaning too heavily on the Alexa integration at this stage, since it’s still a bit of a ways off, arriving at some point in Q2. But it will certainly be a handy feature for those with both an Echo and 900 connected series Roomba already in their home. We caught a demo of the functionality on a recent trip to the company’s Bedford, Massachusetts headquarters, and the whole setup was as user-friendly as one would hope, asking Alexa to tell Roomba to start cleaning and return to the docking station.


The more immediately available Clean Map function, on the other hands, leverages the 900’s navigational functionality to essentially make dirt map of a user’s home. The information takes a bit of the guesswork out of using a Roomba, showing the owner where the vacuum has cleaned and where it spent most of its time – a sort of heat map of a home’s dirtiest spots.

 What’s perhaps most compelling here, however, is the groundwork that the company is laying out with these upgrades. iRobot’s push into strictly consumer devices has dovetailed nicely into the rise of the smart home, and the company is hoping that its widely deployed robot can serve as sort of a connected tissue, levering its WiFi connectivity and advanced computer mapping capabilities to make device a better way to lay out the home.

“The challenge right now with smart home and connected devices is that they’re too hard to use,” explains Angle. “There’s wonderful voice interfaces like the ones from Amazon and Google that allow you to talk to your home and have your home understand the words that you say. But if the house doesn’t know where the kitchen is, what’s the use in saying, ‘turn on the lights in the kitchen?’ You can program your light to be the kitchen light, but your average consumer doesn’t want to program. Typically there’s a really poor track record of wanting to program these things.”

Roomba’s daily mapping functionality could potentially serve as a sort of mobile hub to help connected home software understand what is located where and build actions based around that knowledge. Angle again, “The most important concept that I believe the home needs to understand is what is a room and what’s in that room? It doesn’t matter whether it’s high or low in that room. I want to very clearly say these lights, this television, this radio, these speakers, are in this room. If you think about how we live our lives, we move into a room and we want that room to be able to do something. When we leave the room, we’re happy if the room shuts down.”

It all seems a ways off, of course. Angle told us that he anticipates the true smart home connectivity play to arrive in “the single digit years.” But it is, at the very least, an interesting next step for a company that has spent much of the past decade and a half tweaking and perfecting its robot vacuum iteration by iteration.

Uber rival Grab expands its engineering team with new offices in India and Vietnam

Grab, the main rival to Uber in Southeast Asia, is expanding its engineering footprint after announcing new development centers in India and Vietnam.

The company last month announced plans to open an engineering center in Jakarta, Indonesia, so the addition of bases in Bangalore, India and Ho Chi Minh City, Vietnam, will take it to six R&D locations worldwide. The others are Singapore, Grab’s HQ, Beijing and an office in Seattle which was opened last year.

Despite the new office plans, Grab said it will not expand into India. The move is a bid to suck up new talent to fuel its rivalry with Uber in Southeast Asia, a region of over 600 million consumers where the market for on-demand rides is tipped to grow from $2.5 billion in 2015 to $13.1 billion in 2025, according to a report co-authored by Google.

“These two [new] locations are growing in terms of local talent and they understand what it is like to live in these parts of the world,” Grab co-founder Hooi Ling Tan told TechCrunch in an interview. “There are a tonne of parallels between India and Southeast Asia, especially around payments.”

Tan said Grab is looking to hire around 200 staff in Bangalore, where it will focus on developing its payments service, over the next two years. The other two offices will be focused on more local innovation. In Jakarta, Grab wants to hire 150 people while in Vietnam it will initially start with a team of 25.

 Grab has a total of 2,000 staff, Tan said, but it plans to add 800 more developers to its six R&D offices. Currently there are around 20 in Seattle, where Grab just moved into a new office to house plans to expand to 60 people. The Beijing office, she added, has 40-50 employees, with the remainder of the rest mostly based in Singapore.

Grab isn’t the first from Southeast Asia to look to India for talent. Go-Jek, its $1.3 billion-valued rival in Indonesia, set up a development office in Bangalore last year via two acquisitions. It has since acquired another startup to grow its engineering chops in India. Uber, meanwhile, has an engineering team in India but it doesn’t have a dedicated team in Southeast Asia. Its Hyderabad-based facility, however, does develop technology for other emerging markets beyond India.

Today, Grab claims 710,000 drivers across 39 cities in six countries in Southeast Asia. It said it has seen 36 million downloads of its mobile apps. There’s precious little data to compare marketshare in Southeast Asia, but anecdotally Uber and Grab seem to be fairly well matched across the region. Indicators suggest that Go-Jek is ahead of both in Indonesia, however. That’s significant because Indonesia is the region’s largest economy and its top ride-sharing market, too, according to the Google report.

Company Optimization 101: A Few Tips And Techniques

If company optimization is one of your primary objectives for 2017, you need to develop a strategic plan. Below you’ll find a few tips and techniques you can integrate into your company’s strategic plan for the purpose of generating ongoing growth and expansion:

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  1. Implement Employee Development Strategies.

If you’re serious about enhancing the company optimization process, make sure that you implement employee development techniques. These techniques are helpful because they ensure that you have a smart, savvy staff working on behalf of your organization. There are several strategies you can implement to get the employee development process going and growing. One is hiring a team of business consultants. A firm like KEYGroup Consulting can implement a wide variety of employee development strategies, one of which is the disc employee assessment.

  1. Hire A Web Design And Development Firm.

In addition to implementing employee development strategies, make sure that you hire a web design and development firm. The professionals from these firms will be able to implement a diverse, customized range of strategies to help make your site absolutely incredible. The web optimization process is important for many reasons, including the fact that one of the primary resources that an online shopper will refer to in order to make purchases or learn more about your brand is the website. This is the reason your website needs to be up to date, highly functional, cross compatible, aesthetically appealing, etc. Make sure that the web optimization company you hire can offer several other digital marketing services. Examples would include content marketing, social media optimization, and search engine optimization. By obtaining all of these digital services in tandem, you can optimize your level of visibility and thereby improve your conversion rates.

  1. Read More Business Books.

One final strategy that can enhance your company optimization process is reading more business books. This technique is empowering because it will enable you to gain ongoing access to business strategies and tips that have worked for various corporate leaders. Some of the books you might want to purchase include:

-Think And Grow Rich

-Good To Great

-Rich Dad, Poor Dad

Start Optimizing Your Company Immediately!

There are several tips and techniques you can employ to start optimizing your company. Three of them include implementing employee development strategies, hiring a web design and development firm, and reading more business books. Start implementing these techniques to attain the business growth that you desire!