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Insurance Doctors And Their Multifaceted Role

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Sara, a 50-year-old working professional, was in a car accident. She suffered some serious injuries and submitted a claim for permanent partial disability benefits with her insurance company. Her personal physician had already provided detailed documentation. But her insurance company requested her to attend an examination with another doctor, provided by them. This doctor, they said, is an "insurance doctor." Now, this was something new to Sara. But is it a new concept? Let us find out.   Who Is an Insurance Doctor? Insurance doctors play a critical role in the insurance sector, which is quite underrated and misunderstood. Most of us assume that they actually replace the role of our treating physicians, but that is not the case. Our physicians treat us in case of any mishap, but they do not assess or evaluate our level of injury or disability. But then, who actually does it? This work is done by Insurance doctors, which, in turn, impacts or affects our insurance benefits. Th...
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ESG Investing Vs Sustainable Investing

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Understanding ESG and Sustainable Investing: Believe it or not, you often use the two important terms, ESG investing and sustainable investing, interchangeably. But they actually convey two different meanings. Let's clarify what ESG (Environmental, Social, Governance) and Sustainable, also called SRI (Sustainable, Responsible, and Impact) investing, convey.  Various big investment houses put a lot of effort and funds into publicizing ESG investing and try to judge a company or business' responsibility levels by using ratings based on some numerical data and metrics. They, quite often, do not follow any particular level or quality, because the metrics keep varying from time to time. The essence is that these ratings portray the potential impact of the environment on the business and not vice versa.  Now, what do we understand about the difference between them? Overall, the idea behind ESG investing vs. sustainable investing is that ESG focuses more on aligning the fin...
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8 Best Cryptocurrency Wallets - 2025

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What is Crypto Wallet?? To discover which is the best crypto wallet, it is necessary to have a good understanding of what a crypto wallet actually is. A crypto wallet is a software application that can be used as a wallet, very similar to the ones that we typically use to keep cash or debit and credit cards.  However, this wallet is not in a physical form. Instead, it is in the form of software that can be used to store the keys. Keys or passkeys are a combination of letters and numbers that secure the communication and access of the cryptos. Each wallet has its own features and security system and is typically used to access the blockchain network.  Best Crypto Wallets of 2025: 1. Coinbase Wallet - It is extremely user-friendly and offers high levels of security for digital assets. Users have total control over the wallet, which supports a variety of cryptocurrencies. It is integrated with various decentralized applications and is versatile and easy to handle for beginners....
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Sustainable Finance - Deal between Morgan Stanley and Climeworks AG

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The  Morgan Stanley and Climeworks AG  Deal... The latest deal between Zurich-based Climeworks AG and Morgan Stanley related to corporate social responsibility activity, aiming to permanently remove 40,000 tons of carbon dioxide from the atmosphere is an ambitious step towards environmental sustainability by using funds for climate change mitigation. It shows a commitment to framing credible strategies and meeting climate sustainability goals to control the catastrophic outcome that our planet may have to face in generations to come.    What does Climeworks gain from it? The agreement towards environmental stability will facilitate Climeworks' scaling up its Direct Air Capture technology in the United States, which is crucial because it is a strong supporter and the largest technology provider to Project Cypress, which aims to capture and store CO2 from the air. Morgan Stanley, in this case, is playing a very important role in fulfilling...
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Power-Users - A Blend Of Tech-savvy In-store Shoppers

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Assess your shopping style!!! Are you a consumer who has mastered the art of blending digital convenience or technological advancement with in-store retail shopping? Do you love to access online applications and scroll through products and offers available for a particular brand in various e-commerce stores, but want to feel the excitement of actually physically looking, trying, and then deciding about buying a product inside a brick-and-mortar shop?  Who are Power-Users? Welcome to the world of power users, who are experts in using software tools during their in-store purchases and currently, quite often, finding the need for more innovation and technological sophistication in physical stores or shops. These categories of users are steadily on the rise, and they seamlessly navigate between online and offline environments. They often visit shops weekly or multiple times within a week to stock up on their daily supplies and hope to scale up their physical purchases in year...
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AI In Education - A Reason To Be Curious Or Concerned?

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In the current technologically advanced world, Artificial Intelligence(AI) is intertwined with various aspects of our lives, from school students and teachers to career opportunities, healthcare, infrastructure development, and security.  AI In Education But here, we will be specifically discussing its effects on education, particularly schools. As per the 2024 Literacy Trust Survey, teachers in the UK are more restrictive and concerned about teaching AI and allowing their students to use AI in their learning process, whereas in the US, teachers are more flexible but curious about this approach.  Opportunities of AI in education:  AI in education can help the learning process by making it more customized and interactive, and that, too, much faster than it would usually take using the average human approach. However, at every step, the education sector, which includes both teachers and students, should ensure proper accountability and understanding to move p...
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Profit Booking - How To Decide?

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Book Profits In the Stock Market: It was just about 5 months back when I finally decided to sell off my holding in one of the great stocks that gave me an overall return of 15%. However, the company had come up with some excellent investment prospects, which caused its share prices to keep rising, leaving me in a dilemma. Then the worst happened. Some serious allegations regarding the company management came to the limelight, and the stock prices crashed. Who could predict such a sudden downfall? Is it really possible to invest and book profits when the market is so full of uncertainty?  Yes, it is definitely possible. Before we understand how to handle profitable shares, it is important to note that such profit booking strategies are applicable only to investments meant for the short to medium term, which may aim for a few months to a year or two.  Use return on a risk-free investment as  a benchmark - Investment in fixed deposits is a very common step that we take...
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