Hello Totemixes! Yes, Olga is gone. Yes it’s sad. But dry your tears, because here we are: it’s time for the only, unique, legendary… ORIENTATION RACE!!! An orienteering race a little bit special since it will give more or less access to 4 places for the posts. Yeah, we still haven’t really understood the concept,…
What Is a Reinsurance Sidecar? A reinsurance sidecar is a financial entity that solicits private investment in a quota share treaty with an insurance company. In the quota treaty the ceding company and reinsurer share premiums and losses according to a fixed percentage. Investors who take part in reinsurance sidecars share in premiums and losses…
1. When your chain goes off the rails and you have to put your hands in it After 5 minutes it feels like you have immersed your entire body in the oil. Looks like you’ve been dragged into a mud fight when you need to get to work with dignity. 2. Struggling to store your…
Food is not just a matter of tastes and colors. There are foods that spoil a dish and foods that have a texture to puke. That’s a fact. If I had to eat exclusively the foods on the following list, I would rather choose to drink only tuna juice for the rest of my life….
Loss Ratio vs. Combined Ratio: An Overview The loss ratio and combined ratio are used to measure the profitability of an insurance company. The loss ratio measures the total incurred losses in relation to the total collected insurance premiumswhile the combined ratio measures the incurred losses and expenses in relation to the total collected premiums….
1. Suitcases We use them three times a year and they spend the rest of the time lying around wherever we find a little place for them. They are sometimes under a bed, under clothes in the closet or in a dark corner of the room. The best thing would be to be able to…
Our world is divided into two categories: people who are very poor with their hands like children who make messed up drawings or people who don’t know how to grow things and the others. This second category notably includes all the DIY pros, those who were born with a 12 wrench in one hand and…
It’s well-known that product differentiation results in higher prices and higher profits for companies. Hotels, for example, might distinguish themselves from other hotels by offering the best location, the best service, or superior amenities. Without product differentiation, hotel rooms become, more or less, perfect substitutes for one another, and prices fall accordingly. Why, then, would…
Animals deserve all our affection and we know that you have to be nice with insects, but sometimes it’s more difficult than expected. With all the dangerous and invasive critters that have been arriving in France for several years, we just want to lock ourselves up at home with a spray of mosquito repellent. 1….