Up to 10% off Your Pet Insurance Policy for Life.

This book discusses the use of microorganisms for improving nutrient quality and producing healthier foods. Conventional roles of microbes in food preservation and in producing more readily digestible nutrients via natural fermentation processes are also examined. Individual chapters explore topics such as bio-preservation, incorporation of lactic acid bacteria, traditional fermented Mongolian foods, fermented fish products of Sudan, probiotics in China, fermented soymilk, food colorants, and the effect of food on gut microbiota. Readers will gain insights into current trends and future prospects of functional foods and nutraceuticals. This volume will be of particular interest to scientists working in the fields of food sciences, microbiology, agriculture and public health.

This book presents a new approach to recurrent property taxation based on occupancy, size, and location, that will strengthen local governments. Reflecting on the concept of “beneficial property taxation” first proposed by Alfred Marshall, the political economy constraints faced by traditional property taxation are examined and compared with evidence for beneficial property tax seen in China, Mexico, and sub-Saharan Africa. The benefits of this form of taxation are highlighted in relation to the financing of local public services and infrastructure that are required for sustainable development. This book provides a policy-oriented look at property taxation that engages with the sustainable development goals and lay the foundations for a post-pandemic recovery. It will be relevant to researchers and policymakers interested in development economics and the governance of taxation.

This volume is devoted to the application of microorganisms in medical treatment and health protection. Topics discussed include the role of probiotics in immune modulation, in prevention of influenza, and in atopic dermatitis. Further chapters cover aspects such as the relation of the gut microbiome and stress, the immune system, the regulation of inflammation, the benefits of Bifidobacterium for infants, and bacteriocin in medical applications, as well as the use of in vitro models of the gastrointestinal tract, omics approaches for targeting microbial health potential and the production of hepatitis B vaccines. This volume will be of particular interest to scientists working in the fields of clinical medicine, applied microbiology, pharmacy and public health.

"Halley's Comet has been prominently displayed in many newspapers during the last few months. For the first time in 76 years it appeared this winter, the nocturnal sky. This is an appropriate occasion to clearly visible against point out the fact that Sir Edmund Halley also constructed the world's first life table in 1693, thus creating the scientific foundation of life insurance. Halley's life table and its successors were viewed as deterministic laws, i. e. the number of deaths in any given group and year was considered to be a well defined number that could be calculated by means of a life table. However, in reality this number is random. Thus any mathematical treatment of life insurance will have to rely more and more on probability theory. By sponsoring this monograph the Swiss Association of Actuaries wishes to support the ""modern"" probabilistic view of life contingencies. We are fortu­ nate that Professor Gerber, an internationally renowned expert, has assumed the task of writing the monograph. We thank the Springer-Verlag and hope that this monograph will be the first in a successful series of actuarial texts. Zurich, March 1986 Hans Biihlmann President Swiss Association of Actuaries Preface Two major developments have influenced the environment of actuarial math­ ematics. One is the arrival of powerful and affordable computers; the once important problem of numerical calculation has become almost trivial in many instances."

th This book is published to commemorate the 50 Anniversary of the S.S. Huebner Foundation for Insurance Education. Administered at the Wharton School of the University of Pennsylvania, the Huebner Foundation was established in 1941 to strengthen insurance education at the collegiate level by increasing the number of professors specializing in insurance and enriching the literature in the field. The financial support of leading life insurance companies has enabled the Foundation to provide post-graduate education for prospective insurance teachers and scholars. Through its fellowship program, the Foundation supports students in the Ph.D. program in Risk and Insurance at the Wharton School. The success of the Foundation is measured by the accomplishments of its alumni. Former Huebner Fellows play leading roles in every major area of insurance education. Fellows teach insurance to tens of thousands of undergraduate and MBA students each year and have written hundreds of books and thousands of articles on insurance. Fellows hold leadership positions at the American College, the Life Office Management Association, and the Certified Employee Benefit Specialist Program. The Foundation was created in honor of Dr. Solomon S. Huebner, a pioneer in insurance education. Dr. Huebner taught the first organized course on the economics of insurance ever offered at the collegiate level in 1904. An internationally recognized author and teacher, Dr. Huebner had a profound impact on both insurance education and the insurance industry. He served on the faculty of the Wharton School for more than nearly fifty years.

The basic principle of building home equity is the same for everyone (paying off as much mortgage as possible), but in today's financial environment, different generations face different challenges. Therefore, no matter how old we are, we've put together some tips on building home equity.

Home equity loans provide you with cash in exchange for the net assets you have accumulated in the property as a separate loan.

As with any loan, the person with the highest credit score will be entitled to the highest interest rate. The banks that provide these services will place more stringent requirements on your credit score and the equity in your property. Here are the best interest rates we can find among lenders who still offer home equity loans

How to buy car insurance? The most important thing is to know how to buy auto insurance.

Get the best car insurance for you at the best price by knowing all the information about car insurance.

If you are first-time home buyers, it is very important for you to choose the right mortgage. Here are some tips can help you find a mortgage that suits you as easily as possible.

You Will Not Believe How Easy It Is To Get Great Auto Insurance When You Follow These Tips

Metromile's pricing is mainly based on mileage. For people who don't drive often, the charge is low.

Choosing the right auto insurance for your family is an important decision. The coverage can help to protect a substantial investment, your car. The cost can affect your budget. With so many policies to choose from, it can become confusing to decide which one is best for you. In this article, we will discuss some tips that can help in the auto insurance selection process.