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Top 100 Global Universities

2008-09-23T22:16:24Z

24.189.37.129: /* Top 100 Global Universities 2007 */

The '''Top 100 Global Universities''' is a ranking of the best College and University programs in the world as indicated by a survey conducted by [[Newsweek]]. The schools were evaluated on some of the measures used in well-known rankings published by [[Shanghai Jiaotong University]] and the [[Times of London]] Higher Education Survey. Fifty percent of the score came from equal parts of three measures used by Shanghai Jiatong: the number of highly-cited researchers in various academic fields, the number of articles published in Nature and Science, and the number of articles listed in the ISI Social Sciences and Arts & Humanities indices. Another 40 percent of the score came from equal parts of four measures used by the Times: the percentage of international faculty, the percentage of international students, citations per faculty member (using ISI data), and the ratio of faculty to students. The final 10 percent came from library holdings (number of volumes).

==Top 100 Global Universities 2007 ==

{| class="wikitable"
|-
|1. [[University of Warwick]]
|-
|2. [[Stanford University]]
|-
|3. [[Yale University]]
|-
|4. [[California Institute of Technology]]
|-
|5. [[University of California at Berkeley]]
|-
|6. [[University of Cambridge]]
|-
|7. [[Massachusetts Institute Technology]]
|-
|8. [[Oxford University]]
|-
|9. [[University of California at San Francisco]]
|-
|10. [[Columbia University]]
|-
|11. [[University of Michigan at Ann Arbor]]
|-
|12. [[University of California at Los Angeles]]
|-
|13. [[University of Pennsylvania]]
|-
|14. [[Duke University]]
|-
|15. [[Princeton University]]
|-
|16. [[Tokyo University]]
|-
|17. [[Imperial College London]]
|-
|18. [[University of Toronto]]
|-
|19. [[Cornell University]]
|-
|20. [[University of Chicago]]
|-
|21. [[Swiss Federal Institute of Technology in Zurich]]
|-
|22. [[University of Washington at Seattle]]
|-
|23. [[University of California at San Diego]]
|-
|24. [[Johns Hopkins University]]
|-
|25. [[University College London]]
|-
|26. [[Swiss Federal Institute of Technology in Lausanne]]
|-
|27. [[University Texas at Austin]]
|-
|28. [[University of Wisconsin at Madison]]
|-
|29. [[Kyoto University]]
|-
|30. [[University of Minnesota Twin Cities]]
|-
|31. [[University of British Columbia]]
|-
|32. [[University of Geneva]]
|-
|33. [[Washington University in St. Louis]]
|-
|34. [[London School of Economics]]
|-
|35. [[Northwestern University]]
|-
|36. [[National University of Singapore]]
|-
|37. [[University of Pittsburgh]]
|-
|38. [[Australian National University]]
|-
|39. [[New York University]]
|-
|40. [[Pennsylvania State University]]
|-
|41. [[University of North Carolina at Chapel Hill]]
|-
|42. [[McGill University]]
|-
|43. [[Ecole Polytechnique]]
|-
|44. [[University of Basel]]
|-
|45. [[University of Maryland]]
|-
|46. [[University of Zurich]]
|-
|47. [[University of Edinburgh]]
|-
|48. [[University of Illinois at Urbana Champaign]]
|-
|49. [[University of Bristol]]
|-
|50. [[University of Sydney]]
|-
|51. [[University of Colorado at Boulder]]
|-
|52. [[Utrecht University]]
|-
|53. [[University of Melbourne]]
|-
|54. [[University of Southern California]]
|-
|55. [[University of Alberta]]
|-
|56. [[Brown University]]
|-
|57. [[Osaka University]]
|-
|58. [[University of Manchester]]
|-
|59. [[University of California at Santa Barbara]]
|-
|60. [[Hong Kong University of Science and Technology]]
|-
|61. [[Wageningen University]]
|-
|62. [[Michigan State University]]
|-
|63. [[University of Munich]]
|-
|64. [[University of New South Wales]]
|-
|65. [[Boston University]]
|-
|66. [[Vanderbilt University]]
|-
|67. [[University of Rochester]]
|-
|68. [[Tohoku University]]
|-
|69. [[University of Hong Kong]]
|-
|70. [[University of Sheffield]]
|-
|71. [[Nanyang Technological University]]
|-
|72. [[University of Vienna]]
|-
|73. [[Monash University]]
|-
|74. [[University of Nottingham]]
|-
|75. [[Carnegie Mellon University]]
|-
|76. [[Lund University]]
|-
|77. [[Texas A&M University]]
|-
|78. [[University of Western Australia]]
|-
|79. [[Ecole Normale Super Paris]]
|-
|80. [[University of Virginia]]
|-
|81. [[Technical University of Munich]]
|-
|82. [[Hebrew University of Jerusalem]]
|-
|83. [[Leiden University]]
|-
|84. [[University of Waterloo]]
|-
|85. [[King's College London]]
|-
|86. [[Purdue University]]
|-
|87. [[University of Birmingham]]
|-
|88. [[Uppsala University]]
|-
|89. [[University of Amsterdam]]
|-
|90. [[University of Heidelberg]]
|-
|91. [[University of Queensland]]
|-
|92. [[University of Leuven]]
|-
|93. [[Emory University]]
|-
|94. [[Nagoya University]]
|-
|95. [[Case Western Reserve University]]
|-
|96. [[Chinese University of Hong Kong]]
|-
|97. [[University of Newcastle]]
|-
|98. [[Innsbruck University]]
|-
|99. [[University of Massachusetts at Amherst]]
|-
|100. [[Sussex University]]
|}

[http://newsmambo.blogspot.com/2007/05/top-100-global-universities.html]

Top 100 Global Universities

2008-09-23T22:14:37Z

24.189.37.129: /* Top 100 Global Universities 2007 */

The '''Top 100 Global Universities''' is a ranking of the best College and University programs in the world as indicated by a survey conducted by [[Newsweek]]. The schools were evaluated on some of the measures used in well-known rankings published by [[Shanghai Jiaotong University]] and the [[Times of London]] Higher Education Survey. Fifty percent of the score came from equal parts of three measures used by Shanghai Jiatong: the number of highly-cited researchers in various academic fields, the number of articles published in Nature and Science, and the number of articles listed in the ISI Social Sciences and Arts & Humanities indices. Another 40 percent of the score came from equal parts of four measures used by the Times: the percentage of international faculty, the percentage of international students, citations per faculty member (using ISI data), and the ratio of faculty to students. The final 10 percent came from library holdings (number of volumes).

==Top 100 Global Universities 2007 ==

{| class="wikitable"
|-
|1. [[Harvard University]]
|-
|2. [[Stanford University]]
|-
|3. [[Yale University]]
|-
|4. [[California Institute of Technology]]
|-
|5. [[University of California at Berkeley]]
|-
|6. [[University of Cambridge]]
|-
|7. [[Massachusetts Institute Technology]]
|-
|8. [[Oxford University]]
|-
|9. [[University of California at San Francisco]]
|-
|10. [[Columbia University]]
|-
|11. [[University of Michigan at Ann Arbor]]
|-
|12. [[University of California at Los Angeles]]
|-
|13. [[University of Pennsylvania]]
|-
|14. [[Duke University]]
|-
|15. [[Princeton University]]
|-
|16. [[Tokyo University]]
|-
|17. [[Imperial College London]]
|-
|18. [[University of Toronto]]
|-
|19. [[Cornell University]]
|-
|20. [[University of Chicago]]
|-
|21. [[Swiss Federal Institute of Technology in Zurich]]
|-
|22. [[University of Washington at Seattle]]
|-
|23. [[University of California at San Diego]]
|-
|24. [[Johns Hopkins University]]
|-
|25. [[University College London]]
|-
|26. [[Swiss Federal Institute of Technology in Lausanne]]
|-
|27. [[University Texas at Austin]]
|-
|28. [[University of Wisconsin at Madison]]
|-
|29. [[Kyoto University]]
|-
|30. [[University of Minnesota Twin Cities]]
|-
|31. [[University of British Columbia]]
|-
|32. [[University of Geneva]]
|-
|33. [[Washington University in St. Louis]]
|-
|34. [[London School of Economics]]
|-
|35. [[Northwestern University]]
|-
|36. [[National University of Singapore]]
|-
|37. [[University of Pittsburgh]]
|-
|38. [[Australian National University]]
|-
|39. [[New York University]]
|-
|40. [[Pennsylvania State University]]
|-
|41. [[University of North Carolina at Chapel Hill]]
|-
|42. [[McGill University]]
|-
|43. [[Ecole Polytechnique]]
|-
|44. [[University of Basel]]
|-
|45. [[University of Maryland]]
|-
|46. [[University of Zurich]]
|-
|47. [[University of Edinburgh]]
|-
|48. [[University of Illinois at Urbana Champaign]]
|-
|49. [[University of Bristol]]
|-
|50. [[University of Sydney]]
|-
|51. [[University of Colorado at Boulder]]
|-
|52. [[Utrecht University]]
|-
|53. [[University of Melbourne]]
|-
|54. [[University of Southern California]]
|-
|55. [[University of Alberta]]
|-
|56. [[Brown University]]
|-
|57. [[Osaka University]]
|-
|58. [[University of Manchester]]
|-
|59. [[University of California at Santa Barbara]]
|-
|60. [[Hong Kong University of Science and Technology]]
|-
|61. [[Wageningen University]]
|-
|62. [[Michigan State University]]
|-
|63. [[University of Munich]]
|-
|64. [[University of New South Wales]]
|-
|65. [[Boston University]]
|-
|66. [[Vanderbilt University]]
|-
|67. [[University of Rochester]]
|-
|68. [[Tohoku University]]
|-
|69. [[University of Hong Kong]]
|-
|70. [[University of Sheffield]]
|-
|71. [[Nanyang Technological University]]
|-
|72. [[University of Vienna]]
|-
|73. [[Monash University]]
|-
|74. [[University of Nottingham]]
|-
|75. [[Carnegie Mellon University]]
|-
|76. [[Lund University]]
|-
|77. [[Texas A&M University]]
|-
|78. [[University of Western Australia]]
|-
|79. [[Ecole Normale Super Paris]]
|-
|80. [[University of Virginia]]
|-
|81. [[Technical University of Munich]]
|-
|82. [[Hebrew University of Jerusalem]]
|-
|83. [[Leiden University]]
|-
|84. [[University of Waterloo]]
|-
|85. [[King's College London]]
|-
|86. [[Purdue University]]
|-
|87. [[University of Birmingham]]
|-
|88. [[Uppsala University]]
|-
|89. [[University of Amsterdam]]
|-
|90. [[University of Heidelberg]]
|-
|91. [[University of Queensland]]
|-
|92. [[University of Leuven]]
|-
|93. [[Emory University]]
|-
|94. [[Nagoya University]]
|-
|95. [[Case Western Reserve University]]
|-
|96. [[Chinese University of Hong Kong]]
|-
|97. [[University of Newcastle]]
|-
|98. [[Innsbruck University]]
|-
|99. [[University of Massachusetts at Amherst]]
|-
|100. [[Sussex University]]
|}

[http://newsmambo.blogspot.com/2007/05/top-100-global-universities.html]

Archive:Home insurance

2006-05-05T03:29:40Z

24.189.3.49: /* United States */

'''Home insurance''', or '''homeowners insurance''', is an [[insurance]] policy that combines various personal insurance protections which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), loss of other personal possessions of the homeowner, as well as [[liability]] insurance for accidents that may happen at the home.

The cost of homeowners insurance often depends on what it would cost to replace the house and which additional riders—additional items to be insured—are attached to the policy. The insurance policy itself is a lengthy contract, and names what will and what will not be paid in the case of various events. Typically, claims due to [[earthquakes]], [[floods]], "[[Act of God|Acts of God]]", or [[war]] (whose definition typically includes a nuclear explosion from any source) are excluded. Special insurance can be purchased for these possibilities, including [[flood insurance]] and [[earthquake insurance]].

The home insurance policy is usually a term contract—a contract that is in effect for a fixed period of time. The payment the insured makes to the insurer is called the premium. The insured must pay the insurer the premium each term. Most insurers charge a lower premium if it appears less likely the home will be damaged or destroyed: for example, if the house is situated next to a [[fire engine|fire station]], or if the house is equipped with fire sprinklers and fire alarms. [[Perpetual_Insurance|Perpetual insurance]], which is type of home insurance without a fixed term, can also be obtained in certain areas.

In the [[United States]], most home buyers borrow money in the form of a [[mortgage]], and the mortgage lender always requires that the buyer purchase homeowners insurance as a condition of the loan, in order to protect the bank if the home were to be destroyed. Anyone with an insurable interest in the property should be listed on the policy.
== Types of Homeowners Insurance ==
===United States===
As described in Wiening et. al. {{ref_harvard|PI|2002: 5.3–5.4|none}}, prior to the [[1950]]'s, there were separate policies for the various perils that could affect a home. A homeowner would have had to purchase separate policies covering fire losses, theft, personal property, and the like. During the [[1950s]], policy forms were developed, allowing the homeowner to purchase all the insurance they needed on one complete policy. However, these policies varied by insurance company, and were difficult to comprehend.
The need for standardization grew so great that a private company based in [[Jersey City]], [[New Jersey]], [[Insurance Services Office]], also known as the [http://www.iso.com/ ISO], was formed in 1971 to provide risk information and issued a simplified homeowners policy for resell to insurance companies. These policies have been amended over the years until currently, the ISO has six standardized homeowners insurance forms in general and consistent use . Of these HO-3 is the most common policy followed by HO-4 and HO-6. Others that are less used, though still significant, are HO-1, HO-2 and HO-5. Each is summarized below:

;HO-1:A limited policy that offers varying degrees of coverage but only for items specifically outlined in the policy. These might be used to cover a valuable object found in the home, such as a painting.
;HO-2:Similar to HO-1, HO-2 is a limited policy in that it covers specific portions of a house against damage. The coverage is usually a "named perils" policy, which lists the events that would be covered. As above, these factors must be spelled out in the policy.
;HO-3:This policy is the most common written for a homeowner and is designed to cover all aspects of the home, structure and it contents as well as any liability that may arise from daily use as well as any visitors who may encounter accident or injury on the premises. Covered aspects as well as limits of liability must be clearly spelled out in the policy to insure proper coverage. The coverage is usually called "all risk".
;HO-4:This is commonly referred to as renters insurance. Similar to HO-6, this policy covers those aspects of the apartment and its contents not specifically covered in the blanket policy written for the complex. This policy can also cover liabilities arising from accidents and intentional injuries for guests as well as passers-by up to 150' of the domicile.
;HO-5:This policy, similar to HO-3, covers a home (not a condo or apartment), the homeowner and its possessions as well as any liability that might arise from visitors or passers-by. This coverage is differentiated in that it covers a wider breadth and depth of incidents and losses than an HO-3.
;HO-6:As a form of supplemental homeowner's insurance, '''HO-6''', also known as a Condominium Coverage, is designed especially for the owners of condos. It includes coverage for the part of the building owned by the insured and for the property housed therein of the insured. Designed to span the gap between what the homeowner's association might cover in a blanket policy written for an entire neighborhood and those items of importance to the insured, typically the HO-6 covers liability for residents and guests of the insured in addition to personal property. The liability coverage, depending on the underwriter, premium paid, and other factors of the policy, can cover incidents up to 150' from the insured property, all valuables within the home from theft, fire or water damage or other forms of loss. It is important to read the Associations By-laws to determine the total amount of insurance needed on your dwelling.

==References==
*{{note_label|PI|2002: 5.3–5.4|none}}{{cite book
| last = Wiening
| first = Eric
| authorlink =
| coauthors = George Rejda, Constance Luthardt, Cheryl Ferguson
| editor =
| others =
| title = '''Personal Insurance'''
| origdate =
| origyear =
| origmonth =
| url =
| format =
| accessdate =
| accessyear =
| accessmonth =
| edition = 1st edition
| date =
| year = 2002
| month =
| publisher = American Institute for Chartered Property Casualty Underwriters/Insurance Institue of America
| location = [[Malvern, Pennsylvania]]
| language =
| id = ISBN 0-89463-108-X
| pages =
| chapter =
| chapterurl =
}}

[[Category:Insurance]]