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Mention festival season and you might think of long summer days lazing around in fields dried from the sun. But festival season in the northern hemisphere isn’t just a warm weather summer love-in, as these ski and snowboard parties show.

With line ups as good as their summer counterparts and all encompassing tickets to get you there, put you up and get you on the slopes, these winter festivals are a hedonist’s dream. You have the beauty of the mountains, the daytime thrill of the piste and sparkling night-time parties to give you a fantastically fun – but no doubt very tiring – winter break. Pack winter sports travel insurance from World First and you’ll have everything you need for the trip of a lifetime.

What more could you ask for? Here are five of the best winter festivals in the northern hemisphere.

SnowBall in Vail Valley, Colorado takes place between March 2nd and 4th. It’s a music festival with a strong student and indie vibe and a line up that this year includes The Kooks and Deer Park among an eclectic mix of dance and rock music.

The Brits in Laax, Switzerland (March 18th to 25th) is now in its 23rd year. It’s the big party for British alpine regulars and includes an intensely competitive snowboard and skiing championship that is famously fought by those hoping to be crowned the year’s best (and bravest) on the slopes. Last year the music included The Correspondents and Pendulum. This year’s line up is to be announced shortly. Not for the faint

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One individual may be saved from having to claim on their camera insurance thanks to a newspaper appeal.

The Eastern Daily Press has published details of footage found on a memory card discovered in Norwich in a bid to track down the devices owner.

A member of the public sent in the SD 2GB card and it is hoped videos discovered on it may sound familiar to some readers.

As well as clips of a baby named James playing with his Mr Watsit toy, there is a wedding that appears to be held in Scotland.

The bride and groom seen in the film are referred to as Mary and Andrew, while two bridesmaids called Donna and Eve also feature.

Other details which may sound familiar include men dressed in kilts and banners advertising Old Pulteney whisky decorating the reception venue.

Elsewhere, the BBC recently reported how Australian Paula Noack was reunited with her camera thanks to a Facebook appeal established in the UK.

Here’s a quick quiz for you: Do you know how much life insurance you have? Do you have life insurance in addition to a policy your employer provides? If your answer to either question was “No,” then you need a life insurance audit to determine if you are adequately covered.

If you’re underinsured, you’re not alone. More than 46 million Americans are. That doesn’t mean being uninsured is a good idea. If sudden death strikes, your family would have to cope with catastrophic financial issues in addition to their emotional loss. No grieving family should have to struggle to pay the bills or have to sell real estate or securities prematurely because the family’s primary breadwinner died without adequate insurance.

The American Council of Life Insurers recommends, as a rule of thumb, that your insurance coverage equals five to seven times your annual earnings. That’s a good starting point, but many factors go into determining how much insurance you need.

Immediate Expenses

The most common immediate expenses that survivors have to pay when a loved one dies are medical bills and funeral expenses. Whether death occurs accidentally or after a lingering illness, survivors face bills for their loved one’s final illness and expenses for his funeral. Medical bills vary greatly based on the type of illness and how long the deceased was ill, as well as how comprehensive his medical insurance coverage was. Having enough life insurance to pay any uninsured medical expenses gives the family peace of mind in case the worst happens. Your insurance should also cover your funeral expenses, which typically range from $7,000 to $10,000.

Debt Repayment

How much insurance you need depends on how much you owe your creditors.

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This RV travel guide is as valuable for young families as it is for the young at heart. Exploring the country in an RV is about what you see and where you stop, so for the science-minded in your touring group, visit any or all of these great southern science centers!

The Museum of Science and Industry in Tampa, FL

Known as MOSI (MOH-zee), The Museum of Science and Industry in Tampa, Florida has over 400,000 square feet of education and entertainment ranging from meteorology to physics with weather exhibits in Disasterville and a 98-foot long high-wire bicycle ride 30 feet in the air!

MOSI also has an amateur radio club for the “hams” in your family, and their “Kids in Charge!” section is the largest children’s science center in the country for learning through play.

The North Carolina Museum of Life and Science in Durham, NC

This wonderfully diverse science center in Durham, NC boasts its very own Dinosaur Trail, live animals with motorized cameras to see deeper into the wildlife exhibits, and a uniquely entertaining outdoor chain of interactive exhibits called “Catch the Wind” that explores how humans, animals, and the earth adapt to and use the natural phenomenon of wind.

Their indoor exhibits are also a blast including SoundSpace, a room that you play like a musical instrument by moving throughout the room at different speeds and moving in different ways. Their “Magic

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Insurance House (IH), a Abu Dhabi-based insurance company, has opened a new branch in Sharjah.

IH chairman Mohammed Alqubaisi said that their decision to open a branch of Insurance House in Sharjah reflects their commitment to serve the entire UAE population in a befitting manner.

“The newly opened branch will meet the growing demand of insurance products in this Emirate, and provide its customers with the most innovative and tailored insurance products to ensure ultimate satisfaction,” added Alqubaisi.

IH general manager Mohammed Othman said that the UAE`s strong and resilient economy has boosted the local insurance market significantly, and Insurance House is also keeping a pace with this growth.

“We are committed to always providing best-in-class services and developing our portfolio of products to cater to the widest spectrum of clients. We promise to open more branches in 2012,” added Othman.

In November 2011, IH has opened a new branch in Dubai.

How savvy are you about car insurance? Take our car insurance trivia test and find out. The answers could help you make better decisions when you shop for car insurance quotes online.  

Car insurance is required in all 50 states for anyone operating a motor vehicle on public roads.

All 50 states and the District of Columbia require that drivers carry a minimum amount of car insurance to cover stipulated amounts of property damage and personal injury. Some states will allow you to post a bond
in lieu of buying an insurance policy.

If you have liability insurance, it covers anyone else who drives your car.

Your insurance will most likely cover any damages, but always read your policy for any exclusions and limitations.

If you hit a deer (and over 1.5 million U.S. drivers do every year), your liability insurance will cover the damage to your car.

A basic policy will cover any injuries you sustain in the accident, but unless you have comprehensive coverage, it may not cover damages to the car.

Car insurance is tax deductible.

If you use your car for business (that doesn’t include time spent commuting to the office), you may be able to deduct the percentage of business use on your taxes. Always consult a tax expert to be sure.

If you and another driver are in an accident and your insurance companies can’t agree who was at
fault, neither company will pay for the claims.

Both insurance companies will prepare cases and submit them to an impartial arbitration panel who will determine the percentage of liability for each driver.

If someone breaks into your car and steals your expensive camera equipment, your liability policy
will cover the loss.