Russia Superstitions

Customs that be more ofttimes regarded as superstition M early(a)s typically do not show their baby to either maven except the father, the midwife and other souse relatives for forty days after the baby is born. Many nationalities have a set of rituals for the guests that they have to fit to see the baby for the first time. 1 Before leaving for a long journey travelers, and all those who are seeing them off, must sit for a m signalt in silence before leaving the house. It is practically conveniently written off as a time to sit and think of anything unrivalled may have forgotten. 2 After someone has left the house on a long journey, their room and/or their things should not be cleaned up until they have arrived, or at least a day has passed if they are guests in a house. 2 Knocking on wood is practiced in Russia as in other countries. However Russians tend to add a symbolic three spits over ones left shoulder (or simply with the head turned to the left), and Russians leave alone often knock three times as well. Traditionally one was spitting on the d unrighteous (who is always on the left). 3 Breaking a mirror is considered no-good plenty in Russia, as is looking at ones reflection in a broken mirror. The effect is also more severe than 7 years of bad dower (as in Ameri idler culture). 4 On question day, it is bad luck to make your bed, wear anything new, or cut your fingernails. 3 It is bad luck to use material hand gestures to demonstrate something negative using oneself or someone else as the object. For example, when describing a scar you see on someones face you should not gesture on your own face or someone elses. If you must, you can demonstrate in mid-air.If one does it without realizing, it can be countered by making a hand feat towards the body part used and then an abrupt motion away (as if to pick off up the bad energy and throw it away). 3 If one soulfulness accidentally travel on other persons foot, it is common for the pers on who was stepped on to lightly step on the foot of the person who stepped first. It is said that they thus avoid a future conflict. 3 Birthday parties should be celebrated on or after ones natal day, not before. So when ones birthday falls during the week, its best to celebrate the following weekend. And never authorise someone birthday wishes before their birthday. 3 public lecture about future achiever, especially boasting about it, is considered bad luck. It is considered better to be silent until the success has been achieved or to even sound pessimistic. 3 Returning home for forgotten things is a bad omen. It is better to cease it behind, but if returning is necessary, one should look in the mirror before leaving the house again. other than the journey will be bad. 4 Many Russians consider giving sharp objects, like knives or scissors, as gifts, to be taboo. You can avoid this taboo taking symbolic little money, for example one Russian ruble, in exchange as if it is a tra de, not a gift. 4 Birds that land on a windowsill should be chased away. If they tap on the window, or fly into it (open or closed) it is considered a very bad omen (often of death). 5 If a chicken crows at you three times before noon, the death of a close family instalment can be expected within a fortnight. The chicken should be killed, but not eaten, as consuming it will bring about further misfortune. 5 Things bought for a newborn baby (such as clothes, toys, furniture, and so on ) should exactly be purchased after the baby is born. This is usually done in a big hurry. 1 It is often considered taboo to step over sight, or parts of their body, who are on the ground. It is often said that it will prevent the person from growing (if they are not fully grown already). It is better to politely implore the person to move or to find a way around them. If one accidentally steps over a person (or people), it is sometimes standard to step backwards over them. 3 Unmarried people shoul d not sit at the corner of the table. Otherwise they will not marry. This mostly applies to girls, and often only young girls. Sometimes it is said that you will not marry for 7 years, making it all remunerate for young children to sit there. 6 When giving an animal as a gift (a cat, dog, bird, etc. ), the receiver should depict the giver a symbolic sum of money, for example one Russian ruble. 5 A purse (or any other money holder) as a gift requires a little money inside. Given waste it causes bad financial luck. 4 A funeral procession brings good luck. But one should never cross its street or it is bad luck. 7 A woman with empty water buckets coming towards you is considered a bad omen. 3 A group of two or more people should not talk on different sides of a tree. They should all keep to one side or the other. 3 Bread should only be cut with a knife, not with your hands.Otherwise, it is said, that your life will be broken. The opposite is held true by some people. 4 Two or more people should never use one towel at the same time to wry their hands or bodies, or it is said to bring conflict. 4 A stranger should not look at a newborn baby before it is a certain age (between two months and one year). If one looks at the baby it is considered bad luck to compliment it. Instead, one could say, Oh, what an ugly child . 1 Its good luck to trip on your left foot. 3 One should never hand a knife directly to another person, as it is said that the two will get into a fight.Instead a person should always seat the knife down on a surface, and only then can the other person pick it up. In several cases you can give it directly, but only pointing the sharp end to yourself and making the knifes do by accessible for the opposite person. 4 If one feels that he or she may have been cursed by someone (had the evil eye put on them) or just has the feeling of a hostile presence, it is recommended to channel ones coat and then put it back on starting with the hand opposing th e usually used one. It is also recommended to pin a French Pin inside your clothing to avoid the curse of the evil eye in the first place. 3 One should not to shake hands or give something finished a threshold. 3 Whistling in a house would bring misfortune to that household (see origins below). It is considered taboo to give something that is broken or has a defect as a gift. Before one takes an exam, someone else would say, which somewhat translates to neither fur, nor feather which means good luck. To this, the one taking the exam would reply, ? which means, Go to the Devil or To the Devil which is a way of securing good luck

Life in College

Mohammad Rubel Essay College vitality College has changed my life in legion(predicate) ways. Even though I spent only six months in college, I feel it has helped me a lot with my education and social life. Students who enter college usually collide with many problems, and some may think it is exactly like high school. From my perspective, college life is a life of immunity because it gives a feeling of being an adult, and also at the same condemnation helping out with obligatory needs. Life in college meant a new life for me.When I entered my college for the first day, I looked around with a mixed feeling of perplexity, joy, and a little bit of fear. I was puzzled as I was non habituated to college life. aft(prenominal) checking around and looking for my class, I saw other(a) students in batches were moving up and galvanic pile the corridors for their classes professors were coming smilingly and exchanging greetings with the students in a friendly manner which helped me to calm down and gave me the confidence to pretend on without being too nervous.Related article Monash Moodle CollegeSocial life in college is different from high school. roughly people do not socialize that much because they are there to get their credits and leave. They just want to finish their courses as fast as they can for business purpose or other reasons (this happens mainly in community college. ) For this reason, college has created many club activities, study groups, library, and other open areas to meet friends or work together, which definitely gives the chance to socialize.Another important thing college has taught me is managing time. I have come to understand how time is precious and how it can improve our lifestyle in so many levels. Balancing time is authentically important to do well both in college and in other activities like, Jobs, clubs, and spending time with family. After spending some time in classes, I came to realize how fun and easy it can be if a studen t spends a little bit of his/her time in class activities. College is a terrific place and one can make it happen by his/her will.

Thorn Queen Chapter Twenty

Tim surfaced the next morning after some liaison or a noher, and I decided not to mention that our wards had been broken. He handled my array of paranormal activities sensiblely good-naturedly, but that was largely because they ordinarily didnt follow me home. So, I called the witch whod originally laid the wards and asked her to come back and discreetly redo them, scheduling a time when I knew Tim would be fall out.After that it was off to the first shamanic job Id had in a while, fighting a nixie whod taken up residence in some poor familys swimming pool. The rest period with which I dispatched her was a bit alarming. Earlier in the year, Dorian and I had fought off a root word of them that Jasmine had send. Dorian had d mavin the fighting, and at the time, theyd seemed overwhelming. Now, with my magic becoming more and more instinctual, fighting a water supply creature ilk this was ridiculously simple. Admittedly, I hushed banished her the aged(prenominal)-fashi integrit yd way, not wanting to rely on magic more than I had to. I didnt agree with Roland somewhat its use-though my fight with him quiet down stung-but it was exhilarating recalling how slow Id fought the water elemental. If I could yet summon water creatures like Jasmine could, my life would be easier gloss over.And speaking of Jasmine, I summoned Volusian away from her later that evening. I was vent to the Thorn Land shortly and felt confident that she wouldnt pulsate knocked up before and so. Well, I hoped so, at least.Volusian appeared in the darkest corner of my bedroom, scaring off one of the cats that had been sleeping on my bed. My mistress calls, he state in his monotone.I admit a job for you.Of course.I choose you to go to Yellow River and underwrite out the house of a shaman thither. Do not permit him see you-or sense you, if you can help it. My vibe from Art was that while he could fight transcendental creatures, he didnt possess the kindred sensitivity I did.And what would my mistress like me to do once I am in that respect?Look around. Tell me if theres allthing suspicious going on-particularly in bear on to any nobility girls. Make sense?Volusians look was scathing. Certainly it makes sense. Do not confuse me with the other underlings who serve you. at one time he had the address, he disappeared in that way of his, and I sighed. It might be worth enslaving another minion articled for the Underworld. It was easy enough for me, particularly if I got one who wasnt in addition strong. I didnt have a extensive amount of respect for Volusian, but hed been right more or less one thing. He was so powerful that his skills were collapse suited to protection and difference. A lesser spirit would suffice for all these errands I seemed to be direct him on lately.That was a thought for another day. For now, it was back to the Thorn Land. I planned on expenditure the night there since I wanted to raise an early start on our demon hunting. Ki yo had verbalise hed come at sunrise, and I didnt want to miss a moment of being with him.When I arrived at my castle, I was a bit surprised to see a party going on. Well, not a true party, but Shaya, Rurik, and a few of the other decimal point servants were hanging out in one of the parlors, drinking wine and laughing. Girard was still around and had joined them. Even Ysabel was there, looking happy for a change. none of them seemed to have expected me that night and closely leapt up like naughty children. Shaya started to stammer something like an apology, but I silenced her with a gesture.No, no. Keep having fun. I somehow evermore thought of them as utilitarian fixtures around here, but of course, they were only tender-hearted-well, figuratively speaking-and entitled to their downtime.After a few dying(p) moments, they settled back down, and Rurik offered me a glass of wine. I shook my head. You know, he state, that your minion disappeared.Yeah, I know. I sent him on a tas k.I doubled the guards on her when I perceive.Good. Lets hope shes managed to keep her clothes on in this short of time.You should have killed her, Ysabel noted darkly.I ignored that and turned away, leaving them to their party. Im going to check on her myself.The bedroom Shaya had assigned Jasmine was one floor up and very cleverly chosen-not that Id expect any less from Shaya. It was spacious and furnished but not so large that the guards within couldnt see her most of the time-the bathroom excluded. The rooms one window was only a tiny slit, too small for anyone to get out of. Four guards stood on duty outside and four within. To my relief, Jasmine simply coiffe on her bed, reading one of the books Id sent. Girards new cuffs had a pineer, thinner chain that gave her much more range of motion but was jam-packed with weigh. Those blue-gray eyes looked up at my approach, but the rest of her didnt move.Oh. You.I sat down on a narrow wicker bench and sent the guards outside with a curt nod. I came to check on you.Right. Because you care so much.I do. Well, kind of.The only things you care nigh are having the heir yourself and forcing me to get rid of your monsters.Demons, I corrected. And believe me, the last thing I want is to have the heir.I heard the guards talking. They said youve been hanging out with Dorian a lot. wherefore else would you do that? No one else would quite have our fathers grandson. Well, except Aeson. A grimace fell over her face at the mention of her old lover.Dorians except my friend, something youll understand when youre older. Oh, Eugenie, you are such a hypocrite. And youre better off without Aeson.Her eyes returned to her book. I love Aeson. You have no idea what love is.Oh, I do. I know that its the best high and the lash hurt all at the same time-not to mention confusing as netherworld.Jasmine looked back at me, still sullen but with a new sort of consideration. What do you want? Are you just here to babysit me until that fucking imp comes back? God, I hate him.I started to tell her to watch her language and then decided there was no point. I came to tell you were going to take out those demons tomorrow.At gunpoint.I dont have a choice. Theyre terrorizing people. How can you not understand how serious that is?She shrugged with her typical apathy and pushed some of that long blond h stress out of her face. Your problem. Not mine. Self-centered brat. She frowned for a moment, though. Are they still taking girls? She sounded just about concerned. Almost.I dont know, I admitted. I dont know if this groups connected or not. I actually mean there are humans involved.The book slipped to her lap, forgotten. Why would they do that? That doesnt make any sense.Ill tell you when youre older, I said dryly, which was silly considering all that shed been through. And youre certainyoure certain the group chasing you wasnt human?Yes, for like the hundredth time. They were shining ones.You said they were soldiers. A startling thought came to me. Leather armor? Red shirts?Thats how soldiers dress, isnt it? Well, maybe not the red shirt. Depends on who they effect for, I guess. I dont remember the color.Does it happen a lot? I asked, recalling past thoughts about the similarities between the two of us. Are guys coming after you a lot toyou knowGet me great(predicate)? Yeah, sometimes. There was a sad look in her eyes, a very vulnerable one.Butyou dont always give inJesus Christ, Eugenie. I wont sleep with anyone. What kind of a slut do you recall I am?A capacious one, actually. But I didnt adduce so, and I wondered if shed ever been raped. Sorry. You just seem so anxious to have that baby.Yeah, well, not with just anyone. And certainly not through rape. She held her head up, a fierce look in her eyes. No one does that to Storm Kings daughter. Its an insult to our fathers awesomeness. Try as she might to deny her heritage, only the human part of her could have pulled up awesomeness to refer to a tyrannic fairy warlord.You know I dont quite share the same regard for him that you do.I know, she said. Which is why you have such bad taste in men. You wouldnt device me sleeping with a kitsune. I need someone worthylike Aeson.I started to argue again that Aeson had been a despotic asshole but knew logical system and love rarely worked together-particularly if my own life was any indication. I was lay asided from further commentary when a coldness settled into the room and Volusian appeared.Fuck, said Jasmine. Man, did she have a mouth on her.I stood up, cut across my arms and difficult to look imposing. It was a common attitude I kept around Volusian so there would be no question of my see to it. Did you go to Arts house?Yes, mistress.And? Did you find anything?No, mistress. I could not enter.What do you mean? Did he invite you out back for beer too?Volusian didnt blink. The house was warded.The house was warded, I repeatedly flatly. And you couldnt cross it? Theyd h ave to be some serious wards if he couldnt, said Jasmine.Thanks, Little Miss Stating the Obvious. I racked my brain, thinking of the local witch network. I didnt know them well enough, not like I knew the shamans. Where the hell would he find someone that strong?The wards were not the usual type found in the human world. They were laced with magic from this world as well, continued Volusian.What? How would Art get gen depict help to lay wards-especially if hes abducting them?Maybe he put a gun to their head, said Jasmine, in a fair imitation of my own dry tone. Another family trait, perhaps.Ive got to get into that house, I muttered. I guess thats gotta detainment like everything else, though. Well, thanks for trying, Volusian.I neither require nor desire your gratitude, mistress. I want nothing in these worlds save your death.Jasmine laughed.Well, Im sure you guysll have a great time together. I opened the door and beckoned the guards back in. With Volusian back, only two needed t o be inside. Ill see you both in the morning for demon hunting.After that, I considered joining the others for their impromptu party but decided that would be the same as a stomp crashing her employees happy hour. Instead, I made my way to my own room but was intercepted by Girard.Your majesty. He brush me a bow in that flourish-filled way of his, making his cloak flare out dramatically. Ive made considerable progress on the project you requested.Already? I knew he had magic for this kind of thing, but still.He smiled. The queen asks, and I obey.From within the folds of his cloak, he produced a rolled-up piece of parchment, which he opened up for me. On it was a detailed diagram of a sword, and scrawled all around it were assorted technical notes about burden and composition. Those meant little to me. Mostly I noticed the swords beauty, particularly its hilt.This is lovely, I said.I should hope so. Fit for a king.In spite of myself, I smiled back. Dorian had left me in a miasma of emotions, but Id been trying hard not to let that interfere with the honest favors hed done me. And when hed mentioned needing a new sword, Id gotten the idea yesterday to have Girard make one. By all accounts, there were few more skilled, and his ability to touch iron made him particularly saluteed.Girard traced the draw and quarter of the swords blade and tapped the end. I can work iron into the tip here, and it shouldnt defame the Oak King so long as hes holding the hilt. It too shouldnt affect his ability to control the rest of the blade. As a master of the earth and its contents, Dorian could infuse copper and sometimes bronze blades with magical heat.But the tip willing be deadly to his enemies, I said. The idea to work iron into it had been mine.Considerably. I can begin production right away, but Ill need to get an understanding of his current swords balance before I can finalize this one.Hell be here tomorrow. You can talk to him then. Dorian too had offered to help oust my demons.Excellent. And Mistress Shaya tells me you have the materials here that I could use, if I have your permission to do so. Otherwise, I can return to my workshop in the Rowan Land.I shook my head. No, no. Use whatever you need here.His lips twitched in a wry smile. Thats probably just as well. Were I to return homewell, I suspect my lord prince would spend days asking me about you.I sighed. Is he still upset about that?He was, forgive me, quite heartbroken over your rejection of the gift and of him.I didnt want that. I liked him-still do. I just wanted us to be friends.In my experience, your majesty, men and women often have difficulty with that. Its not impossible-but not always easy.I thought about Dorian. Thats for damned sure. Well, thank you for this, and let me know if theres anything I can do to help with it. But seriously-dont go work on it now. Go back to that party. Drink up. Flirt with Shaya. She could use a good guy.Girard erupted into laughter. It was a ri ch, honey-filled sound. I treasure my neck too much to risk the captain of your guards wringing it.It took me a moment to catch on. Who, Rurik? He doesnt like Shayanot that way, at least. Shes too, I dont know, refined. He only goes after trashy kitchen girls.Girard still shrugged.Im serious I wasnt sure why this astounded me so much. They might seem close, but its because they work together. Theyre just friends.Girard flashed another grin. Didnt you just hear what I said about men and women being friends? He dared a wink and bowed again. Until tomorrow, your majesty.I watched him go, that flamboyant red cape swirling around him. I was still in disbelief. Shaya and Rurik? No, it was ridiculous. I was certain she had no interest in him, and if he did want her, it was only for the same cheap reasons he wanted any woman. She was too smart for that.You give my lord gifts yet still claim no interest.I turned and saw Ysabel standing near a corner in the hall. Shed apparently overheard my conversation with Girard. Did this woman have nothing to do except lurk in halls and wait for me? Hes done a lot of favors for me lately. Its the only way I can genuinely repay him.No doubt there are other ways you could repay him, she said snidely.I started to give the friends line but had already had enough of that with Girard. Please, I dont want to go through this same old variant and dance. And you know, we both fulfilled our side of the deal with Dorian. I let you teach me. Youre free. Hes coming here tomorrow to help with the demon problem. Go home with him afterward.Those big blue eyes widened in surprise. Why?Why what?Why would you let me go?Because you dont want to be here. You gave me the foundation of what I need to know, and Ive been building on it pretty quickly. With a shiver, I recalled how Id nearly suffocated that gentry in my yard. That had been intentional. I had no accident excuses as Id had with her. It was probably something I shouldnt mention to her quite yet. As it was, she looked troubled enough.Yesyou have learned quickly. The magic burn down so strongly in you, I dont think it needs much of an excuse to burst out. You really are like Storm King.Did you know him? I asked curiously. I was always conflicted on hearing about him. Part of me wanted nothing to do with him, yet the other part longed to know more.I wouldnt say know, she mused. My father was one of his bodyguards, so I saw Storm King a few times. He wasterrifying. Terrifying and awe-inspiring. She tried to hide her fear but shuddered anyway.From what I hear, thats the reaction most people have. Kiyo too had seen Storm King in his youth, and Id once had a flashback of my own brief meeting with my father.The power you try to summonhe was able to bring it about in a heartbeat. He had only to think about a storm and the world would tremble with its force.Well, I guess everyone can rest easy. Im a long ways from that.Do you know why? she asked.Practice?She shook her head and pursed her lips. Because for all your titles and regard and impressive use of magic so faryou are still human in your heart. Human, by her tone, was a very ugly thing to be.Not according to my stepfather. It didnt seem like Id ever tally anyones expectations.You think like one. You want to divide everything up logically. The way you approach magic, its veryscientific. Not a word gentry used very often. You treat it coldly. You parcel up each fragment of air and categorize it. Magic requires control, yes, but at its heart, it is tied to your emotions. You said youd summoned lightning accidentally. What was going on?I was scared. It had also happened, I realized, when I was aroused. And, um, excited.You were lost in your emotions, and the power seized you. But youll never be able to do that regularly, never by choice. You repress your emotions. You dont give in to them. Her smile turned triumphant. And that is why my lord will never love you like he does me.Of course. I should have k nown there was a prick waiting at the end of this lesson. I wondered what shed think if she knew her lord had been pretty willing to love me up yesterday.Well, thanks for the pep talk, but Im going to my room now. I meant what I said. Go with Dorian tomorrow and love him as much as you want. Ill carry on without you somehow. No point in secrecy the sarcasm I felt.Ysabel gave me a sickeningly sweet smile. Youre presuming youll come back.I jerked around and gave her a not bad(p) look. Are you threatening me?Certainly not. I have nothing to do with your adventure tomorrow. But youre going to face demons. Anything can happen. And if you dont return, I wont weep.Great. Nothing like a good omen to go into battle with.

Aesthetic Reading: Reading for Appreciation and Enjoyment Essay

esthetical reading is for entertainment.* Reading to explore one.* In Aesthetic reading, the lecturers attention is centered directly on what he likes through during his relationship with that particular text.* Non-academicals purposes of reading.Aesthetic Stance is for experience* Recreational reading.* Fulfills an important function in lives.* Reading for pleasure or aesthetic reading, been described as the most hidden literary practice.* Aesthetic reading been viewed as typic withdrawal. Reading for appreciation* One that is designed to head the learner to understand and enjoy something. permits get the most out of Literature* Reading literary selections like poems, curt stories, novels, plays, or essays, not only provide pleasure. * It also develop your analytical skills as you must consider severally part of the text separately before you can interpret the meaning of the entire work and in the end appreciate it. Poems express ideas in a tighter, more compact way than pros e as they do not include details and explanations common to the short story or novel. They are more concentrated, suggestive, and rhythmical than prose as they resort to the use of symbols, figurative language, and imagery, which tend to leave more to a readers resourcefulness rather than giving everything he needs to know.Poems may be* Lyric poem expresses the observations and the feeling of a single speaker. * Narrative poems are stories told in prose. Often narrative poems, even ballads have all the elements of the short stories, such as plot, characters and setting.Poems may take the form of* Haiku an unrhymed verse form, consisting of three lines. The first and leash lines contain five syllables while the second line consists of seven-spot syllables. * Tanka another verse form. It has thirty-one syllables come in five lines (five, seven, five, seven, seven). * Cinquain apoetic unrhymed form consisting of five lines. * Diamante a seven line, diamond shaped poem.

The Insurance Companies and the Crisis

In developed countries the size of the insurance policy mart is approximately eight to 12 percent of the GDP. In the United States the assets managed by the insurance heavens ar high than the assets of the banking sector. This is one of the some important pillar of the economy and pecuniary system. At the macrostinting point of view, level of insurance increases the pecuniary stability of the economy, reduce uncertainty by enabling effective risk management, and support economic act and stimulate savings and investment. indemnity sector will also increase the efficiency of the entire financial sector by reducing transaction costs, creating liquidity and economies of scale. A modern, well-functioning insurance sector is essential for achieving sustainable economic growth. With the advent of the global financial crisis, the economy is experiencing a in truth hard time. The insurance perseverance as well did non avoid the problems. Lack of access to deposited funds in the b anks, insurance premium decrease or increase in number of claims, labored the insurance companies to a very difficult scrap how to carry out current activities and pay due compensation?Many insurers began to lose its liquidity. Insurance industry as one of the few propped the financial crisis at the beginning. Insurers constantly were expanding their offer non only scarce for individuals but also for business companies, and were continuing decreasing the prices for life insurance. However, it does not apply to all types of the serve provided by insurance companies to entrepreneurs. Finally end of 2007 and 2008 do been rich in events associated with insurance sector.Fall in the received market, the limitations and difficulties in accessing foreign funding, weakening the financial situation of enterprises caused rapid deterioration of the global economy and have had an impact on the financial performance of the insurance sector. Any disturbances in the banking sector directl y bear upon the financial results of the insurers. Insurance companies seek to curb that activities are safe, profitable, and enable timely payment of contracts.Insurers do not give up the cash investments into offices quoted on a regulated market, which can provide significantly higher returns than investments into safe securities. On the background of European insurers investment exposure in 2007 and 2008 can be reason that the intimately important rootage of losses for the insurers have proved their investments in debt securities CDOs SPV securitization companies, which face insolvency. These companies has completely befogged its value and the guarantee of the solvency. After the collapse of SPV companies, liabilities took over the insurance sector.The situation of the insurance sector in 2008 were gradually deteriorating as well as the solvency ratios of individual insurance company. As an example of big problems on insurance market during crisis I would like to use IG c ase. The rapid fall in the share price and unsatisfactory liquidity led to lower ratings of AIG by the four major rating agencies including ideal & Poors and Moodys Investors Service. Standard & Poors lowered scores for two levels because of less flexibility in elevator funds for additional collateral for the loans, and concerns about the outgrowth losses.Similarly, preserved Moody agency, which downgraded AIG for 2 degrees as well. It is take up that the company has liquidity problems. In the first three quarters of 2008, AIG Group lost 18. 5 cardinal of dollars. Poor results and poor ratings of AIG could cause problems to raise the smashing needed to rescue the company. The company asked Central fix for help. Finally, the organisation and the Fed did not committed to the downfall of a company in which millions of Americans are check and agreed to give to AIG financial assistance.The transaction for a two-year revolving credit for 85 billion dollars to ensure the liq uidity of the AIG company in exchange for a nearly 80 percent. shares has been approved in phratry 2008. In case of problems with the implementation of the obligations of the insurer, a domino effect could embrace the whole world, AIG bankruptcy would repair banks and investment funds, which are the primary(prenominal) holders of debt securities. In addition, AIG was a major seller of credit default swaps. nonstarter of the AIG could force financial institutions in the USA, Europe and Asia (that bought these swaps) to accounting losses.Feds decision made was based on the law given to it by the passed bill about the Federal Reserve. It allows the central bank to lend coin to companies outside the banking sector under unusual and urgent circumstances. In the agreement, Treasury Secretary Henry Paulson forced resignation of current AIG President Robert Willumstada, which was replaced by Edward Libby. In case of Poland, Insurance market were rapidly growing for few years before the crisis. The history of life insurance in Poland cover a design of about 130 years.The development of life insurance in the first place was associated with an increase in wealth of the society. With the increase in GDP, which is a key determinant of economic status of the country, increased the disbursement on life insurance. In tweak conditions the development of insurance occurred in the nineteenth century. The first Polish insurance company was established in the Austrian partition and it was a Krakow Mutual Insurance society founded in 1868 in Krakow ( as the name suggests), which a year later began conducting life insurance business.It functioned on principles similar to todays mutual insurance companies. In Poland we could observe the dynamic growth on the insurance market during last years, both in terms of the companies range of products offered and collected contributions. Privatization, further market openings, the adjustment figure out of the integration with the Eur opean Union, and above all the impact of the launched in 1999 pension reform, the insurance sector are making one of the most promising sectors of the Polish economy.During recent crisis in Poland for example, were noted some main decision-making direction changes in investment policy insurance * Repeat opening up of demeanor Insurance Companies to invest funds in real estate. * Abandonment invest their assets in investment certificates another(prenominal) than in the open and closed funds * Disposal of all bonds of the institutions belonging to countries outside the European Union (For Life Insurance Companies). In the current crisis in financial markets, insurance sales, as well as other products and services, has become oftentimes more difficult than before.Customers are afraid to invest in financial products and very carefully take the decision of purchasing. There is growing consensus that this crisis will survive only the beat out sellers. The best sellers are those who se e semipermanent benefits of building and maintaining lasting kinships between insurer and customer. Such a relationship should be based primarily on mutual trust and benefit for both parties. It is crucial to unendingly monitor changes in customer needs and proposing solutions to it, which will bring real benefits to it.The todays infixed problem of insurance companies is that insurance companies reward their brokers primarily for acquiring new customers. In life insurance commissions for the following years of the contract are much lower than thus for the first year. This is obviously the most reasonable in todays market situation, but the other side is that such system makes that the doer is much more absorbed in gaining new customers and does not think about them in the category of long-term relationships. This carries a risk of decline in the quality of sales and customer satisfaction.Another issue is the differences in the rate of commission between the products. If the age nt is concentrated primarily in the fact to sell a crabby product, which has a better profit, it is likely that the actual identification of customer needs in this area is not a priority for him. Usually it will try to persuade the customer to buy through the force per unit area and the use of different types of manipulation. But do not forget that the customer who bought life insurance, trust bestowed on both the agent and the company and the contracts are renewable every year. The customer is also a source of new contacts.The customer is more satisfied with the purchase and maintenance, including a greater number of friends to recommend an agent and company. An interesting issue in my opinion is that in Poland close to thirteen thousand of entrepreneurs in the 2008 has opted to temporarily withdraw from the movement of the vehicle. * For many of us is the only chance of surviving the crisis explains Jan Kazulski, Wroclaw Transport Association The government not only allowed to the use of temporary de-registration of the car on a larger scale, but released from the obligation to pay by this time a full OC.This is the way how they are trying to deal with the crisis. At the adopted amendments will lose more probably insurance companies. Government explains that option of a pass of contributions for the period in which the vehicle is temporarily withdrawn from service, is already operating in several countries in Europe. The insurance sector in the economy plays a very important role, apart from this obvious, that is protective, contributes to the accumulation of capital in the economy. Accumulation of capital in most concerns life insurance.In case of Poland, despite the current financial crisis, the insurance market in Poland will grow. The pace of growth will be slower than in the past years, and customer requirements in terms of quality sales and after-sales services will increase considerably. Summing up, the financial crisis had a significant impact on insurers. For example the insurance on Polish market has declined for about 22. 33 percent. Its value has declined by almost 9 billion zlotys from 39 billion zlotys in 2008 to slimly over 30 billion zlotys at the end of 2009.The record level of disbursements included both belongings insurance and life insurance policies.Bibliography * Gazeta Ubezpieczeniowa (Articles from Jan and Feb 2009) * Gazeta Wyborcza Rekordowa strata AIG, ToP, AFP, 2009-03-02 * http//www. quotes-r-us. org/home-insurance/current-financial-crisis-and-insurance-companies * http//articles. latimes. com/2009/mar/30/nation/na-aig30 * Yahoo Finance, as of October 23, 2008. * Robert P. Hartwig, Ph. D. , Insurance cultivation Institute, 2008First Half Results, September 30, 2008.