As every summer, the resort end of this year we can make per task. I was late for a summer action can be considered. In addition to air temperatures of my life, I live in the warmth of my children mutluğ. Recreation is always nice. I am 30 years, state officials said the man did not leave even one day, I'm afraid, there is trouble in her soul, she is not a normal person
Our teachers at the school will be September 1, schools will be opened on September 20. After all, life does not stop holiday and business. Examinations Results placements, birth death marriages continues. Said to me during the summer holidays I was sad and thought-provoking look at a few interesting event.
· Both primary as well secondary examinations were performed. Results placed our students are very happy and mourn. I'm wondering if this year of school were the first. The first school is awarded each year by OSYM. They are also separate special contingency OSYM. Unfortunately, despite all this, the first of each year the school stays open. Moreover, for some years, this number exceeds a thousand.
Paid teacher in the district of Tekirdağ Corlu · the 44-year-old Ahmet Phase Acts, by porter carrying books to school at the time of the suffered a heart attack and died. Ambassador Ahmet Phase teachers at the school's entering classes in the period gained 700 pounds, also started during the summer said that all worked. For lack of teachers in summer courses and 40 pounds can not make money make money porter was learned.
Fees and expenses to remove · University in Istanbul Mugla University students who work with 30 pounds per diem, Omer Cetin, fell from the third floor of the building died.
· Last five years have increased 40 percent while divorce, child I'll take the fight because of economic distress, the boy turned to Keep fighting. Now instituted proceedings to get custody of the child's parents now have custody of the child and they had to sue to take over. (Journal News)
· We are in the early months of searching newspaper headline: COMMUNITY Professor at the verge of insanity. Dr. Ozkan Pektas, although not experiencing a frenzy of social limits is quite difficult to assess.
Porter before making their dreams become a teacher of teachers in the Phase Ambassadors, has a vocation to be a porter for the university to end the 20-year-old student who bewail Omer
Due to the increasing divorce obvious candidate to be a criminal in the country was prepared to do to children, ready to fight when we went into the street, you think people in the explosion of anger
Let's think about what you think, does not work
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15 Eylül 2010 Çarşamba
14 Eylül 2010 Salı
How To Buy Jewelry
Jewelry.com shares our most important jewelry gift giving tips - from purchasing that dazzling diamond engagement ring to giving mom that perfect pearl strand. You'll never wonder how (and when) to buy fine jewelry again.
You can't wait to slip that engagement ring on her finger. You know mom will burst into tears at the sight of sapphires. Your friends will drool when you show off that right hand ring. There is no reason fine jewelry shopping should be anything but fun, informational and ultimately satisfying. But research shows consumers find buying fine jewelry one of the least enjoyable shopping experiences. Jewelry.com is on a mission to change that.The following guide will not only tell you how to buy jewelry, but will give you gift giving tips every shopper should know before heading to the jewelry counter or making an online purchase. Our goal is to transform trepidation into confidence. Jewelry jitters be gone!
Know the facts:
We've all heard it before: knowledge is power. Buying jewelry can be one of the first major purchases in your lifetime, so it's important to know the facts before you face all the glitter. Click on the links below to educate yourself about gold, diamonds and gemstones. Thinking of popping the question? Be sure to check out our Bridal Tips as well. We promise it won't be as bad as algebra class.
Gift Giving
Jewelry can be the most important gift you give a loved one. Feeling the pressure? We understand. Guys, in particular, pay attention to the following gift giving tips. We guarantee you'll impress her with your remarkable taste and insight.Know your audience:
There's nothing like that look you get when you know you missed the mark. The slight grimace followed by the fake smile? The best way to avoid awkward gift giving is to study what your significant other likes. What does she usually wear? Has she complimented friends on their looks? You know how to make her laugh, you can surely pick up some tips on her personal style. Take notes and bring what you know on your shopping trip.
Know your budget:
There are many price points in the jewelry world - from $99 to $9999 and beyond. Don't get in over your head with a bauble that will break the bank or make her afraid to wear it. Also, bring what you learned about stone and metal quality to the store, so you won't be duped into thinking 'bigger is better'. Often, it's not.
Know her size (mainly for ring purchases):
There's nothing like wowing her with a diamond ring she'll just have to wait three weeks to wear. Guys, break out your inner sleuth for this one. Find a ring she currently wears, trace the inside and bring it to your jeweler. You can always size a ring, but delayed satisfaction doesn't always fly when it comes to jewelry.
Know the occasion:
- If you're not about commitment but want to impress her with a gift of jewelry, word to the wise: stay away from the ring category. A ring, no matter what the design, is loaded with symbolism that screams "I'm in it for the long haul." A nice pair of diamond studs might be the better choice in this case.
- Right Hand Rings are the perfect self-gifting occasion to celebrate a promotion, graduation, or 'just because'. It's also a great friend-to-friend or mother-to daughter gift. Think female power!
- The 'go big' calendar moments are of course Valentine's Day and the December holidays. If she's expecting a ring, and you're thinking peridot earrings to match her eyes?you might want to think again.
Even with all of Jewelry.com's words to the wise, there is ultimately no guarantee your jewelry gift is going to hit a home run. Most stores - whether they are online or in the mall - have a return policy. Don't be afraid to ask your salesperson.
With a little preparation, education and thought, we guarantee buying jewelry will move decidedly from "a little better than a root canal" to "right up there with no calorie ice cream and winning the lottery". Happy Shopping!
Jewelry Basics
Tips for Men buying Jewelry for Women
Buying jewelry as a gift for your wife, girlfriend or significant other is one of the most thoughtful, meaningful and romantic gestures you can ever make. Few items can express your lasting love and devotion like a special ring, necklace, bracelet or pair of earrings. Jewelry's magic, mystique and enduring appeal make it a natural gift for special occasions and milestone events in her life.
But if you're like most guys, you probably know as much about buying jewelry as you do about brain surgery or rocket science. The good news is that shopping for an appropriate piece of jewelry for your special someone doesn't have to be an agonizing experience. Here are some basic tips to help you make the right buying decision:
Look in her jewelry box
You can learn a lot about the kind of jewelry she likes by seeing what she already wears. You'll get clues about her individual style, her favorite gems, and what may be missing from her jewelry wardrobe. You can also gauge things like her ring size and the necklace length she prefers. For instance, if she already owns a cherished pearl necklace, she's sure to love a matching pair of pearl earrings.
Consider her lifestyle and personality
If your wife or girlfriend is a hopeless romantic, it's a good bet that she'd like a heart-shaped pendant. If she's a conservative, casual type, stick to classic, everyday gold or diamond pieces like basic hoop earrings, diamond stud earrings, or link chains. You can also get charms representing virtually every profession, hobby or activity under the sun. But in general, remember that it's safer to stay away from cutting-edge designs or glitzy pieces that would only be appropriate for a night on the town unless you're absolutely sure she'd like them.
Ask around
Her mother, sister or best friend could definitely point you in the right direction about her jewelry needs and desires. If you'd prefer a more expert opinion, find out where she shops, and talk to her jeweler about what she's bought recently and what she's been looking at. And of course, you can go directly at the source. Next time you're at the mall together, buzz by some jewelry counters and take note of what catches her eye.
Do your homework
Nothing would be more embarrassing than buying your significant other a birthstone ring with the wrong birthstone! Make sure you know all the important dates in her life! Also, you certainly wouldn't want to buy her a bracelet with a clasp that breaks the first time she wears it, or a ring that turns her finger green. Educate yourself about jewelry quality.
Last but certainly not least remember that jewelry is an emotional purchase. Maximize the impact of your gift by giving it to her in a romantic setting or in an unexpected way. The key is to be original, and you'll create a memory that she'll cherish forever.
About Jewelry.com
| Jewelry.com is all about jewelry and where to buy it. Jewelry.com helps you find the perfect jewel at an unbeatable price by providing expert jewelry advice, insider shopping tips, unbiased jewelry reviews and a comprehensive jewelry education. Only Jewelry.com members receive exclusive discounts and deals from the country's leading stores, along with doorbuster deals on selected jewels, sale alert e-mails and Jewelry.com's exclusive newsletter full of shopping tips, fashion updates and jewelry info. Jewelry.com membership is your pass to sparkling savings on over 30,000 stunning jewels and is absolutely free. Whether you're looking for diamond rings, anniversary rings, gemstone and birthstone jewelry, watches or the latest jewelry style at the lowest price - jewelry.com is your sparkling online destination. From Pearls, Sapphires, Diamonds and Gold, to elegant earrings, brilliant bracelets or knock-out necklaces, we have the information you want. If it's amazing deals from your favorite retailer you're looking for Jewelry.com's Clearance Vault is the single largest jewelry outlet/clearance platform both on and off-line. Jewelry.com provides a rare in-depth look at the entire jewelry shopping landscape. Our Top 60 Jewelers is the "Zagat" of the jewelry world, providing independent reviews of both national and regional fine jewelry stores in addition to our valued nine founding partners. While we don't sell jewelry ourselves, Jewelry.com brings you years of experience and trust associated with its participating diamond partners: Fred Meyer Jewelers, Gordon's Jewelers, Helzberg Diamonds, JCPenney, Kay Jewelers, Littman Jewelers, Macy's, Nordstrom, REEDS, Sears, and Zales... see more about us. |
Jewellery
Jewellery (pronounced /ˈdʒuːəlri/ or /ˈdʒuːələri/) or jewelry (see American and British English spelling differences) is a form of personal adornment, manifesting itself as necklaces, rings, brooches, earrings and bracelets. Jewellery may be made from any material, usually gemstones, precious metals or shells. Factors affecting the choice of materials include cultural differences and the availability of the materials. Jewellery may be appreciated because of its material properties, its patterns or for meaningful symbols. Jewellery differs from other items of personal adornment in that it has no other purpose than to look appealing. Items such as belts and handbags are considered to be accessories rather than jewellery.
The word jewellery is derived from the word jewel, which was Anglicised from the Old French "jouel" circa the 13th century.[1] Further tracing leads back to the Latin word "jocale", meaning plaything. Jewellery is one of the oldest forms of body adornment; recently-found 100,000-year-old beads made from Nassarius shells are thought to be the oldest known jewellery.[2]
Jewellery is sometimes regarded as a way of storing wealth and might also possess some minimal functionality, such as holding a garment together or keeping hair in place. It has from very early times been regarded as a form of personal adornment. The first pieces of jewellery were made from natural materials, such as bone, animal teeth, shell, wood and carved stone. Some jewellery throughout the ages may have specifically been as an indication of a social group. More exotic jewellery is often for wealthier people, with its rarity increasing its value. Due to its personal nature and its indication of social class, some cultures established traditions of burying the dead with their jewellery.
Jewellery has been made to adorn nearly every body part, from hairpins to toe rings and many more types of jewellery. While high-quality jewellery is made with gemstones and precious metals, such as silver or gold, there is also a growing demand for art jewellery where design and creativity is prized above material value. In addition, there is the less costly costume jewellery, made from lower value materials and mass-produced. Other variations include wire sculpture (wrap) jewellery, using anything from base metal wire with rock tumbled stone to precious metals and precious gemstones.
The word jewellery is derived from the word jewel, which was Anglicised from the Old French "jouel" circa the 13th century.[1] Further tracing leads back to the Latin word "jocale", meaning plaything. Jewellery is one of the oldest forms of body adornment; recently-found 100,000-year-old beads made from Nassarius shells are thought to be the oldest known jewellery.[2]
Jewellery is sometimes regarded as a way of storing wealth and might also possess some minimal functionality, such as holding a garment together or keeping hair in place. It has from very early times been regarded as a form of personal adornment. The first pieces of jewellery were made from natural materials, such as bone, animal teeth, shell, wood and carved stone. Some jewellery throughout the ages may have specifically been as an indication of a social group. More exotic jewellery is often for wealthier people, with its rarity increasing its value. Due to its personal nature and its indication of social class, some cultures established traditions of burying the dead with their jewellery.
Jewellery has been made to adorn nearly every body part, from hairpins to toe rings and many more types of jewellery. While high-quality jewellery is made with gemstones and precious metals, such as silver or gold, there is also a growing demand for art jewellery where design and creativity is prized above material value. In addition, there is the less costly costume jewellery, made from lower value materials and mass-produced. Other variations include wire sculpture (wrap) jewellery, using anything from base metal wire with rock tumbled stone to precious metals and precious gemstones.
12 Eylül 2010 Pazar
INSURANCE, RE-INSURANCE and PRIVATE PENSIONS IN TURKEY
As of December 31, 2007, 52 companies operated in the insurance and pensions market in Turkey. 29 of them are non-life, 11 are life, 10 are life and pension companies, 1 is pension and 1 is re-insurance company.
The insurance and private pension market is regulated by the Directorate General of Insurance and supervised by Insurance Supervisory Board of the Undersecretariat of Treasury.
Although the insurability capacity has not reached the expected level in Turkey, in recent years, there have been important developments in the insurance sector parallel to the economic growth.
In 2007, the assets of the insurance sector have become YTL 23.4 billion, increasing by 25%; meanwhile the production of premium has reached to YTL 10.9 billion, increasing by 13%. The number of the insurance policies has exceeded 38 million, increasing by 14% compared to last year. These progresses suggest that the potential of the insurance sector is hopeful.
Moreover, the new Turkish Insurance Law, prepared in accordance with EU norms, came into effect in June 2007.
Private pension system |
Private pension system, which is a voluntary scheme, launched by Law No. 4632 in October 2001. After a two-year preparatory period, pension companies started operating as of 27th October 2003. The number of participants in the private pension funds reached 1.5 million and the amount of contributions surmounted USD 3.3 billion as of 31 December 2007.
- A Brief Report on the Turkish Private Pension System can be reached here.
Pension Monitoring Centre |
As a requirement of the law no. 4632, the Undersecretariat of Treasury authorised the "Pension Monitoring Centre" ("Emeklilik Gözetim Merkezi" or in short EGM in Turkish) in order to ensure that the Individual Pension System operates in a safe and efficient manner, and protects rights and interests of participants. As a self-regulated e-governance application, EGM is established to produce accurate information on behalf of Turkish Treasury for daily electronic supervision of the companies operating in the system. The establishment was completed by the shareholders with $ 1.7 million paid-in capitals on July 10, 2003. One of the shareholders of the centre is Prime Ministry Undersecretariat of Treasury with a small share in capital, other shareholders are 11 pension companies which have licenses to operate in the pension branch with equal share in capital.
EGM, which is a core control mechanism, mainly assigned to perform the following tasks;
EGM, which is a core control mechanism, mainly assigned to perform the following tasks;
• Daily electronic supervision and audit of pension company’s activities and e-reporting to the related government institution,
• Consolidation of data based on the daily transactions of the pensions companies,
• Providing information to public and participants,
• Generating statistical and actuarial information,
• Implementing the examination of Individual Pensions Brokers and following up the electronic registries,
• Meeting the demand for common presentation, training activities, software and allied subjects,
• Organizing data which is necessary for on time intervention to probable problems,
• Analytically querying the Individual Pension System.
As of February 22, 2005, EGM (Pension Monitoring Center) has been registered as a governing member of the International Organisation of Pension Supervisors (IOPS), which is an international organisation, aims to serve as the standard-setting body on pension supervisory issues and regulating issues related to pension supervision through the development and promotion of the implementation of international principles, standards, and good practices in pension supervision, having regard to the variety of different private pension systems.
Health insurance |
28 insurance companies offer health insurance products as of December 31, 2004. Health insurance products are usually, yearly renewable. Private companies offer in patient and out patient health services in private hospitals. There are travel asistance products, contract lengths are less than one year. They offer health services during the tourists' journey in Turkey.
Property insurance |
In Turkey, there are two types of insurance policies for properties. These are the compulsory earthquake insurance and other non-compulsory property insurance.
Compulsory: DASK (The Turkish Catastrophic Insurance Pool-TCIP) has been established by the virtue of Decree Law no:587 in order to write compulsory Earthquake Insurance and to do the other tasks given by the Decree. Compulsory Earthquake Insurance is underwritten by TCIP. The insurance companies are authorised to sign insurance agreement with the name and account of TCIP. In Turkey, Compulsory Earthquake Insurance is mandatory for all houses except for the buildings which belong to public establishments and the buildings constructed on village settlement areas.
Non-compulsory: Other property insurance types can be freely bought from the market and they cover some risks including theft and fire. Foreigners are permitted to conclude property insurance contract in Turkey. There are no legal restrictions for foreigners to buy all insurance types. Additionally, real persons and legal entities are obliged to buy insurance policies from the insurance companies operating in Turkey. The Insurance companies must have a licence to operate in Turkey. Those companies are not treated differently in terms of capital requirement whether they are domestic or foreign. It is possible to establish an insurance company in Turkey with %100 foreign capital.
Traffic (motorists) insurance |
Motor vehicle owners have to buy a compulsory traffic insurance policy. A person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of Road Traffic Act.
Insurance Agents, Brokers, Experts |
Insurance Agents: According to the Insurance Supervision Law, agents, who are real persons or legal entities, are allowed to sell insurance policies or to represent insurance companies in some activities.
Insurance Brokers: Insurance brokers, who are real persons or legal entities, operate in line with the Insurance Brokers Regulation issued by the Undersecretariat of Treasury. They are authorised by the Undersecretariat of Treasury. As of 23 May 2008, the number of insurance brokers was 67.
Insurance Experts: Insurance experts are the authorised independent legal or real persons who assess the damages and losses subject to insurance policies. In order to become an insurance expert, people undertake special exams and internship programs.
The premiums generated by the sector |
| Premium generation by the insurance market in Turkey |
 |
| Source: Undersecretariat of Treasury (as of December 31, 2007) |
For further information please contact: |
Directorate General of Insurance |
| Address: | T.C. Basbakanlik Hazine Müstesarligi Inönü Bulvari No:36 06510 Emek/ ANKARA TURKEY |
Tel : | +90 (312) 204 60 00, +90 (312) 2128730, +90 (312) 2121205, +90 (312) 2128203, +90 (312) 2129069, +90 (312) 2128238, or +90 (312) 2129463 |
Fax: | +90 (312) 212 88 71 |
Web: | |
Association of the Insurance and Reinsurance Companies of Turkey |
| Address: | Büyükdere St. Büyükdere Plaza No:195 Floor:1-2 34394 Levent-ISTANBUL-TURKEY |
Tel : | +90 (212) 324 19 50 |
Fax: | +90 (212) 325 61 08 |
E-mail: | |
Web: |
Health Services in Turkey
Every Turkish working citizen as their employer pays a prima in behalf of them to the state (and wife, husband, children) is automatically secured for health services by the SSK (Social Insurance Association) which is owned by the State. Unfortunately the social security system of Turkey is not able to serve non-working or unofficially working citizens. With a new law that is accepted by the parliament by June 2000, unemployed citizens would be able to get health service if they match the criteria. Turkish citizens who are retired are also able to get health service of the state.
The employers, owners of enterprises do pay a different prim to the government (BAĞKUR) that gives them the right to get health service from state hospitals which are in a little better conditions then SSK hospitals in means of infrastructure and hygiene.
Apart from that, citizens which are able to afford the payments, insure their selves by private health insurance companies that gives the possibility to use the private hospitals. Among many possibilities there are two major sorts.
1- "Yatarak" : Secures only the cases which ends with a lodging in a hospital. Operations, Emergency care, Big accidents etc. Generally % 100 of the expenses are secured.
2- "Ayakta ve Yatarak" : Secures all health expenses depending on the condition of the insurance which could be set by the customer. Generally the customer has a %20 percent of own risk with lights health care or controls where no hospital lodging take place. All cases where hospital lodging is need are paid in full.
Private hospitals are open to everybody which could afford the expenses which are high in case compared with the average income of Turkish citizens.
Although the physically health service standard in government owned hospitals seems below average, in private hospitals this level reaches far above international standards in means of infrastructure and expertise. Overall in Turkey the level of expertise and education is quite high and trustful.
On January 2002, the English health social security system authorities has contacted Turkish health authorities to be able to cure English patients in Turkey. This is just a recent development that proves the educate standards of Turkish hospitals and doctors. (Source Hurriyet Newspaper)
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