Whole life insurance

Whole life insurance also works as an investment account in some ways, allowing you to borrow against it if you get into a financial bind during life. This is called a living benefit, and it basically means that the policy collects cash via an interest rate, much like a savings account. You can also choose other ways to invest the money in your whole policy. You can even use the policy as collateral for a loan if you desire.

Term life insurance provides you with temporary coverage that lasts for a set amount of years, which is determined at the time you buy the contract. A term policy only pays out in the event of your death, so there is no living benefit with this kind of insurance. However, a term policy is cheaper than a whole, so this may actually be an attractive way for you to get life insurance.

 What is PPO.

The Preferred Provider Organization is actually similar to HMO in when it comes to the physicians and other healthcare providers working together as a team and having discounted rates. The most distinct feature of PPO that differs itself from HMO is that it does not depend on a specific list of doctors. Meaning it has a wider coverage of physicians. Although this means extra payment for the patients many have opted to apply for this plan because of this feature.

Insurance Introduction

Insurance Introduction
Life is full of risks and accidents. People are at risk for getting injured when playing sports, riding in a car, or living in a house. Risk is uncertainty about a situation’s outcome. Risk can be unpredictable events which lead to loss or damage. Insurance is an arrangement between an individual (consumer) and an insurer (insurance company) to protect the individual against risk. Insurance plays a large role in most individual’s financial management plans.


Premium—the fee paid to the insurer to be covered under the specified terms.

Deductible—the amount paid out of pocket by the policy holder for the initial portion of a loss before the
insurance coverage begins.

Policyholder—the consumer who purchased the policy

 Liability insurance—covers the insured if injuries or damages are caused to other people or their property; it is the minimum amount of insurance required by law for automobiles.

Physical damage insurance—covers damages caused to the vehicle; two optional forms of coverage are available
 Uninsured or underinsured motorists insurance—covers injury or damage to the driver, passengers, or the vehicle caused by a driver with insufficient insurance.

 Medical payment insurance—covers injuries sustained by the driver of the insured vehicle or any passenger regardless of fault; also covers insured family members injured as passengers in any car or if they are injured while on foot as a pedestrian or while riding a bicycle.

Nexium

 Nexium is used to treat gastroesophageal reflux disease (GERD), a condition in which backward flow of acid from the stomach causes heartburn and injury of the esophagus (food pipe between the mouth and stomach) in adults and children 1 year of age and older. Esomeprazole is used to treat the symptoms of GERD, allow the esophagus to heal, and prevent further damage to the esophagus. Esomeprazole is also used to decrease the chance of getting an ulcer in people who are taking nonsteroidal anti-inflammatory drugs (NSAIDs). It is also used with other medications to treat and prevent the return of stomach ulcers caused by a certain type of bacteria (H. pylori). Esomeprazole is also used for long-term treatment of conditions (such as Zollinger-Ellison Syndrome) in which the stomach makes too much acid. Esomeprazole is in a class of medications called proton pump inhibitors. It works by decreasing the amount of acid made in the stomach.

How should this medicine be used

Esomeprazole comes as a delayed-release (long-acting) capsule to take by mouth or to open, mix with water, and give through a feeding tube and as granules to mix with water and take by mouth or give through a feeding tube. Esomeprazole is usually taken once a day at least 1 hour before a meal.When esomeprazole is used to treat some conditions in which the stomach makes too much acid, it is taken twice a day. Take esomeprazole at around the same time(s) every day. Follow the directions on your prescription label carefully, and ask your doctor or pharmacist to explain any part you do not understand. Take esomeprazole exactly as directed. Do not take more or less of it or take it more often than prescribed by your doctor.

Swallow the capsules whole; do not split, chew, or crush them. If you cannot swallow the capsule, put 1 tablespoon of cool, soft applesauce in an empty bowl. Open one esomeprazole capsule and carefully sprinkle the pellets onto the applesauce. Mix the pellets with the applesauce, and swallow the entire tablespoonful of the applesauce and pellet mixture immediately. Do not chew the pellets in the applesauce. Do not save the pellets and applesauce for later use.

To mix the granules, follow these steps:

   1. Place 1 tablespoon, 15 mL of water into a cup.

   2. Open the esomeprazole packet and empty the granules into the cup containing the water.

   3. Stir the granules into the water and leave the mixture alone for 2 to 3 minutes so that it will thicken.

   4. Stir the mixture again, and drink all the mixture within 30 minutes.

   5. If any material remains in the cup after drinking, add some more water and stir. Drink all of the mixture immediately.

Before taking nexium

Tell your doctor and pharmacist if you are allergic to esomeprazole, lansoprazole (Prevacid), omeprazole (Prilosec, Zegerid), pantoprazole (Protonix), rabeprazole (AcipHex), or any other medications.

    * tell your doctor and pharmacist what other prescription and nonprescription medications, vitamins, nutritional supplements, and herbal products you are taking or plan to take. Be sure to mention atazanavir (Reyataz); anticoagulants ('blood thinners') such as warfarin (Coumadin); antifungals such as ketoconazole (Nizoral) and voriconazole (Vfend); clopidogrel (Plavix); digoxin (Digitek, Lanoxicaps, Lanoxin); and iron supplements. Your doctor may need to change the doses of your medications or monitor you carefully for side effects.

    * tell your doctor if you have or have ever had liver disease.

    * tell your doctor if you are pregnant, plan to become pregnant, or are breast-feeding. If you become pregnant while taking esomeprazole, call your doctor.

    * you may take antacids with esomeprazole. If you feel you need an antacid, ask your doctor to recommend one and to tell you when and how to take it.

 there are some medicine

Top medicine  sell   online 

Antidepressants

Prozac, Wellbutrin SR

Mental Health/Epilepsy

Seroquel , Aricept

Anxiety/Sleep Aid 

SleepWell, Buspar

Blood Pressure/Heart

Lipitor, Lasix, Benicar, Cozaar,

Sexuality medicine for men's

Viagra, Cialis , Viagra Super Active plus, Levitra

Viagra Professional , Cialis Super Active plus, Viagra Super Force. Cialis Soft Tabs, Cialis Professional, Viagra Soft Tabs , Propecia

Pain Relief Soma, Tramadol

Women's Health

Female Pink Viagra , Female Cialis ,Nymphomax 

Other top medicine such as Nexium

Microsoft Business Division

Microsoft Business Division
The Microsoft Business Division produces Microsoft Office including Microsoft Office 2010, the company's line of office software. The software product includes Word (a word processor), Access (a relational database program), Excel (a spreadsheet program), Outlook (Groupware, frequently used with Exchange Server), PowerPoint (presentation software), and Publisher (desktop publishing software). A number of other products were added later with the release of Office 2003 including Visio, Project, MapPoint, InfoPath and OneNote. The division also develops enterprise resource planning (ERP) software for companies under the Microsoft Dynamics brand. These include: Microsoft Dynamics AX, Microsoft Dynamics NAV, Microsoft Dynamics GP, and Microsoft Dynamics SL. They are targeted at varying company types and countries, and limited to organizations with under 7,500 employees.[49] Also included under the Dynamics brand is the customer relationship management software Microsoft Dynamics CRM, part of the Azure Services Platform.


The Entertainment and Devices Division produces the Windows CE OS for embedded systems and Windows Phone 7 for smartphones.[50] Microsoft initially entered the mobile market through Windows CE for handheld devices, eventually developing into the Windows Mobile  OS and now, Windows Phone 7. Windows CE is designed for devices where the OS may not directly be visible to the end user, in particular, appliances and cars. The division also produces computer games that run on Windows PCs and other systems including titles such as Age of Empires, Halo and the Microsoft Flight Simulator series as well as a line of reference works that include encyclopedias and atlases, under the name Encarta, and houses the Macintosh Business Unit which produces Mac OS software including Microsoft Office 2008 for Mac. Microsoft's Entertainment and Devices Division designs, markets, and manufactures consumer electronics including the Xbox 360 game console, the handheld Zune media player, and the television-based Internet appliance MSN TV. Microsoft also markets personal computer hardware including mice, keyboards, and various game controllers such as joysticks and gamepad



Environment
Roadside plantation by Microsoft in Bangalore, India.

Greenpeace ranked the electronics portion of Microsoft's business (e.g. game consoles, computer peripherals, etc.) 3rd worst in Microsoft's introduction in November 2007 and 3rd worst in May 2010 out of 18 companies in its "Guide to Greener Electronics", an assessment of chemical-disposal waste-reduction practices.[74] Microsoft's main U.S. campus received a silver certification from the Leadership in Energy and Environmental Design (LEED) program in 2008, and it installed over 2,000 solar panels on top of its buildings in its Silicon Valley campus, generating approximately 15 percent of the total energy needed by the facilities in April 2005.[75]

Microsoft makes use of alternative forms of transit. It created one of the worlds largest private bus systems, the "Connector", to transport people from outside the company; for on-campus transportation, the "Shuttle Connect" uses a large fleet of hybrid cars to save fuel. The company also subsidises regional public transport as an incentive.[75][76] In February 2010 however, Microsoft took a stance against adding additional public transport and high-occupancy vehicle (HOV) lanes to a bridge connecting Redmond to Seattle; the company did not want to delay the construction any further

Los Angeles arts and culture

Los Angeles arts and culture
Believe it or not, L.A. has a thriving artists and cultural scene, with dozens of great museums, countless art galleries, all sorts of great music, theater, and, of course, the magnificent Disney Hall in downtown and the world-famous Hollywood Bowl.

The art museums really are fantastic, from the stunning and enormous Getty Museum atop a hillside overlooking West L.A. and the Pacific to the campus of the Los Angeles County Museum of Art (LACMA), with it's 5 museums and frequent traveling exhibits, you can find world-class art in L.A.

And that's really just the tip of the iceberg. From the Museum of Contemporary Art, the Hammer Museum, and the great museums in Exposition Park - the huge Museum of Natural History and the Museum of Science & Industry, you could spend an entire vacation just visiting the museums.

Universal Studios Hollywood
Theme parks and other attractions
Of course no trip to Los Angeles would be complete without visits to Disneyland (about 40 minutes south of downtown) and Universal Studios (about 10 minutes north of downtown).

For thrill seekers, there is Magic Mountain, with its world-class roller coasters and dozens upon dozens of other great rides. Another great option is Knotts Berry Farm in Buena Park, about a 10 minutes ride from Disneyland, with it's Old Western theme and rides ranging from mild to wild.

For water park lovers, there are some really great options, from Soak City near Knotts to Raging Waters in San Dimas a half hour east of downtown and Six Flags Hurricane Harbor next to Magic Mountain.

Network

Network
A network is any collection of independent computers that communicate with one another over a shared network medium.A computer network is a collection of two or more connected computers. When these computers are joined in a network, people can share files and peripherals such as modems, printers, tape backup drives, or CD-ROM drives. When networks at multiple locations are connected using services available from phone companies, people can send e-mail, share links to the global Internet, or conduct video conferences in real time with other remote users. As companies rely on applications like electronic mail and database management for core business operations, computer networking becomes increasingly more important.
Every network includes:

At least two computers Server or Client workstation.
Networking Interface Card's (NIC)
A connection medium, usually a wire or cable, although wireless communication between networked computers and peripherals is also possible.
Network Operating system software, such as Microsoft Windows NT or 2000, Novell NetWare, Unix and Linux.

Types of Networks:

LANs (Local Area Networks)

A network is any collection of independent computers that communicate with one another over a shared network medium. LANs are networks usually confined to a geographic area, such as a single building or a college campus. LANs can be small, linking as few as three computers, but often link hundreds of computers used by thousands of people. The development of standard networking protocols and media has resulted in worldwide proliferation of LANs throughout business and educational organizations.

WANs (Wide Area Networks)

Wide area networking combines multiple LANs that are geographically separate. This is accomplished by connecting the different LANs using services such as dedicated leased phone lines, dial-up phone lines (both synchronous and asynchronous), satellite links, and data packet carrier services. Wide area networking can be as simple as a modem and remote access server for employees to dial into, or it can be as complex as hundreds of branch offices globally linked using special routing protocols and filters to minimize the expense of sending data sent over vast distances.

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Law Firm.

Law Firm
The Maasen Law Firm is a team of Arizona DUI and criminal defense attorneys serving Phoenix, Scottsdale, Paradise Valley, Mesa, Peoria, Tempe, Chandler, Glendale, Prescott, Tucson, and Flagstaff in Maricopa, Yavapai, Coconino, and Pima counties.

The Maasen Law Firm aggressively fights for our clients. Our Phoenix area criminal defense attorneys have previously worked as prosecutors and have years of extensive trial experience. The Maasen Law Firm's DUI lawyers are exceptionally educated in the area of Field Sobriety Testing and breath testing equipment used by Arizona police and highway patrol during DUI stops. Our criminal defense attorneys have the knowledge of Arizona DUI law and the skills to fight for your case. We can help! Start a free DUI case evaluation now.

A high level of commitment to our clients is of the utmost importance to us. We believe that effective communication is the key to successfully helping our clients. In addition to continuous interaction with your Paralegal and the Attorney assigned to your case, every client has Scott Maasen's personal cell phone number and direct email address.

Las Vegas Casino Quick Reference Guide:

Las Vegas Casino Quick Reference Guide:
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Comparing the forex and stock morkets

Comparing the forex and stock morkets
Forex market is global while stock market is based on a specific country. When you talk of a stock market, it is usually involves specific countries and currencies. Forex market is worldwide in its operations.
All trading in the stock is based on a country's currency. For example, to trade in Tokyo, Japan, you have to be talking of Japanese Yen. The same way, you have to trade with US dollars when trading in the New York. The forex trade is different. First it involves all the currencies of the world and the trading are usually done in pairs of currencies.
Forex commodities are currencies of countries that are being traded everyday whereas stock commodity, usually a paper asset, is based on the business and the products it produces.
The stock trading system in majority of the countries have been around for a long time, whereas Forex is relatively new, being about 30 years of age.
The amount of money traded daily in the foreign exchange market is in the trillions of dollars. The amount of money put into stock daily, even for the most advanced countries, is nowhere near the amount of dollars traded daily.
The commodity that is traded in the forex is easily liquidated, converting from one currency to another. Stocks are not so easily liquidated. By liquidation, it is meant the easy at which the commodity can be turned into cash.
The hours of stock market are specific to that country's hours of operation. For example, when the New York Exchange market is closing down, the Tokyo market might just be opening and vice versa. For Forex, hours of operation is 24 hours, 7 days a week.
The stock trading in any country is going to be based on only that countries currency, say for example the Japanese yen, and the Japanese stock market, or the United States stock market and the dollar. However, in the forex market, you are involved with many types of countries, and many currencies. You will find references to a variety of currencies, and this is a big difference between the stock market and the forex market

Esomeprazole

Esomeprazole is used to treat gastroesophageal reflux disease (GERD), a condition in which backward flow of acid from the stomach causes heartburn and injury of the esophagus (food pipe between the mouth and stomach) in adults and children 1 year of age and older. Esomeprazole is used to treat the symptoms of GERD, allow the esophagus to heal, and prevent further damage to the esophagus. Esomeprazole is also used to decrease the chance of getting an ulcer in people who are taking nonsteroidal anti-inflammatory drugs (NSAIDs). It is also used with other medications to treat and prevent the return of stomach ulcers caused by a certain type of bacteria (H. pylori). Esomeprazole is also used for long-term treatment of conditions (such as Zollinger-Ellison Syndrome) in which the stomach makes too much acid. Esomeprazole is in a class of medications called proton pump inhibitors. It works by decreasing the amount of acid made in the stomach.
How should this medicine be used

Esomeprazole comes as a delayed-release (long-acting) capsule to take by mouth or to open, mix with water, and give through a feeding tube and as granules to mix with water and take by mouth or give through a feeding tube. Esomeprazole is usually taken once a day at least 1 hour before a meal.When esomeprazole is used to treat some conditions in which the stomach makes too much acid, it is taken twice a day. Take esomeprazole at around the same time(s) every day. Follow the directions on your prescription label carefully, and ask your doctor or pharmacist to explain any part you do not understand. Take esomeprazole exactly as directed. Do not take more or less of it or take it more often than prescribed by your doctor.

Swallow the capsules whole; do not split, chew, or crush them. If you cannot swallow the capsule, put 1 tablespoon of cool, soft applesauce in an empty bowl. Open one esomeprazole capsule and carefully sprinkle the pellets onto the applesauce. Mix the pellets with the applesauce, and swallow the entire tablespoonful of the applesauce and pellet mixture immediately. Do not chew the pellets in the applesauce. Do not save the pellets and applesauce for later use.
To mix the granules, follow these steps:

   1. Place 1 tablespoon, 15 mL of water into a cup.
   2. Open the esomeprazole packet and empty the granules into the cup containing the water.
   3. Stir the granules into the water and leave the mixture alone for 2 to 3 minutes so that it will thicken.
   4. Stir the mixture again, and drink all the mixture within 30 minutes.
   5. If any material remains in the cup after drinking, add some more water and stir. Drink all of the mixture immediately.
Before taking esomeprazole
Tell your doctor and pharmacist if you are allergic to esomeprazole, lansoprazole (Prevacid), omeprazole (Prilosec, Zegerid), pantoprazole (Protonix), rabeprazole (AcipHex), or any other medications.
    * tell your doctor and pharmacist what other prescription and nonprescription medications, vitamins, nutritional supplements, and herbal products you are taking or plan to take. Be sure to mention atazanavir (Reyataz); anticoagulants ('blood thinners') such as warfarin (Coumadin); antifungals such as ketoconazole (Nizoral) and voriconazole (Vfend); clopidogrel (Plavix); digoxin (Digitek, Lanoxicaps, Lanoxin); and iron supplements. Your doctor may need to change the doses of your medications or monitor you carefully for side effects.
    * tell your doctor if you have or have ever had liver disease.
    * tell your doctor if you are pregnant, plan to become pregnant, or are breast-feeding. If you become pregnant while taking esomeprazole, call your doctor.
    * you may take antacids with esomeprazole. If you feel you need an antacid, ask your doctor to recommend one and to tell you when and how to take it.

What special dietary instructions should I follow?
Return to top

Talk to your doctor about your diet. Some foods and drinks can make your symptoms worse. Your doctor can tell you which foods and drinks you should avoid or eat/drink only in small quantities.
What should I do if I forget a dose?
Return to top

Mesothelioma Lawyers in San Diego

Mesothelioma Lawyers in San Diego
To understand how to choose a lawyer for this disease, you should first understand the basics of the disease. In the simplest sense, mesothelioma is a cancer of the protective layers of the body cavities,
These tissues have different names depending on the organs they protect. You have probably heard of the peritoneum–this is the covering around the stomach and intestines. Other organs and cavities have their own membranes as well.
Mesothelioma is a cancer of these tissues. They often do not just affect the tissues–they affect the organs they surround and can spread elsewhere. This cancer is most often contracted by exposure to asbestos, a highly dangerous mineral often found in floors, ceilings, and some products.
Employers and landlords are supposed to protect you from asbestos, but often this does not happen. If you have mesothelioma you have probably been exposed to asbestos. If so, you should contact mesotheloma attorneys in your area to see if you have a case against the party responsible for your exposure.
San Diego is a big place. The whole area is so large it is almost connected to Los Angeles now with no real division. Choosing a professional in this area is a daunting task for busy people, so here are some steps to take to make the process easier.
asbestos lawyers california Mesolthelioma lawyers get to know the doctors who treat the disease. Over time they develop relationships and form help networks for patients. Often a doctor will have several contacts in the legal field and a lawyer will have several contacts in the medical field. This helps save you time.
If you have been diagnosed with mesothelioma, your oncologist may be your best source of names for attorney contacts. She will likely have already worked with them on cases and can tell you not only who specializes in your type of cancer but who is best and who is within a short distance from your home or work. If she does not have the right kind of specialist, there are other ways to find the right professional for your case.

What is Drug Rehab

What is Drug Rehab
In today’s society the pressures of trying to keep one’s head above water and pay the bills has resulted in more and more of us turning to alcohol and drugs as a means of escape. Unfortunately for many, this then becomes a habit; which can then turn into a very real and very dangerous addiction, which can in turn result in a host of problems; from losing one’s job to hurting our friends and family. Drug rehabilitation is something that most addicts will not admit that they need, and so it can often be up to loved ones to make take the first step. Watching someone you really love slowly deteriorate into someone you can no longer recognize is a painful experience, especially when the person you love is not aware of their change. With drug abuse rehab you have a genuine solution to overcoming their addiction. At the Perry Clayman Project, which can be viewed at www.rehabtoday.com, a host of short term and long term treatments are available here in the UK, where beautiful surrounds will make the process of drug rehabilitation run that bit more smoothly. Whether the addiction is related to alcohol abuse, marijuana, heroin, crack, cocaine, or even gambling, there are individually catered drug rehab programs that last from two to 24 weeks, with aftercare service included, and which have no waiting lists.
Drug Rehabilitation

With so many people turning to drugs, alcohol and gambling as a means to escape from the daily grind of reality, it is sometimes almost impossible to spot when even our nearest and dearest have moved from being occasionally interested in a drink or a smoke, to being an addict. That’s why private drug rehab clinics are trying to reach out to family members to help them save their loved ones from ruining their lives and the lives of the people closest to them. With the level of care that is available at drug rehabilitation centres across the country not always at such a high standard, it’s important to make the right choice of rehabilitation. At the Perry Clayman Project a range of different treatments, varying from just a couple of weeks to almost half a year, are offered for a range of addictions, including heroin, crack and cocaine abuse, gambling addiction and alcohol dependency. They have a centre here in the UK which follows a twelve step structure over four stages of treatment. You will find in this location an established residential centre where patients will be offered a genuine chance at rebuilding their lives and have the opportunity to look forward to a future free of any addictions. Drug addiction rehab is not an easy process but it will ultimately improve and in some cases actually saves lives.
Drug and Alcohol Rehab

For anyone with a serious drug, alcohol or gambling addiction seeking help to overcome their problem or for anyone with someone close to them with similar ailments then there are drug rehab clinics that have the necessary means to help solve and conquer your addiction here in the UK. The Perry Clayman Project has set up to treat alcohol and drug misuse by incorporating a range of modern day treatments into a twelve step program. The periods of drug rehabilitation vary depending on your time constraints, with two week intensive drug and alcohol rehabilitation programs designed for people who have work and family priorities and cannot afford the time for the longer 12 or 24 weeks programs. With a specialist team of counselors, medical staff and nurses on hand round the clock, and with some excellent facilities, everything is in place to ensure that patients are given the best level of care available in an environment that will help them improve in a speedy yet sustained way. Whether it be alcohol or drug addiction rehabilitation the methods used are similar and have the same end goal of making sure that patients leave with a positive outlook on their lives clean of their addiction that invariably would destroy their lives and the lives of others close to them. Drug rehabilitation can work for addictions to crack, heroin and marijuana, and programs are tailored as such.
Living with an Addict

It can often be very hard to admit to yourself that your partner, son, or other close relation has stepped over the line from being a habitual consumer of alcohol or drugs to becoming an addict. With the consumption of alcohol being such an ordinary part of people’s lives and with designer and other hard drugs being so readily available, the levels of addiction amongst people from every walk of life has risen to an unprecedented stage. Drug alcohol rehab has now become an important tool in not only curing addictions, but can also help with the first step in confronting those with addictions that they must go and seek some form of drug rehabilitation. The Perry Clayman Project has wide ranging programs to treat a host of addictions, details of which can be viewed at www.rehabtoday.com. With a dedicated team of professional counsellors, GP’s and nurses; patients at either clinic will receive excellent drug abuse rehabilitation and will almost certainly leave with a clean bill of health, and be able to look to a future without a dependency on drugs or alcohol. Drug rehab UK is often considered as being the best in the world with many worthwhile clinics being used by people from across the globe, and the quality of drug rehabilitation on offer is second to none.
Spotting the Signs of Drug and Alcohol Abuse

Golf

Golf
Golf is a precision club-and-ball sport, in which competing players (golfers), using many types of clubs, attempt to hit balls into each hole on a golf course while employing the fewest number of strokes. Golf is one of the few ball games that does not require a standardized playing area. Instead, the game is played on golf "courses", each of which features a unique design, although courses typically consist of either nine or 18 holes. Golf is defined, in the rules of golf, as "playing a ball with a club from the teeing ground into the hole by a stroke or successive strokes in accordance with the Rules." Golf competition is generally played for the lowest number of strokes by an individual, known simply as stroke play, or the lowest score on the most individual holes during a complete round by an individual or team, known as match play.

Contents
Origin ,Golf course , Play of the game , Rules and regulations ,Penalties
Equipment ,Stroke mechanicsScoring and handicapping ,
Popularity ,Professional golf , Instruction , ,Golf tours ,Men's major championships
Women's major championships ,Senior major championships


Golf tours
Professional golf tours
There are at least twenty professional golf tours, each run by a PGA or an independent tour organization, which is responsible for arranging events, finding sponsors, and regulating the tour. Typically a tour has "members" who are entitled to compete in most of its events, and also invites non-members to compete in some of them. Gaining membership of an elite tour is highly competitive, and most professional golfers never achieve it.

The most widely known tour is the PGA Tour, which tends to attract the strongest fields, outside the four Majors and the four World Golf Championships events. This is due mostly to the fact that most PGA Tour events have a first prize of at least US $800,000. The PGA European Tour, which attracts a substantial number of top golfers from outside North America, ranks second to the PGA Tour in worldwide prestige. Some top professionals from outside North America play enough tournaments to maintain membership on both the PGA Tour and European Tour.

The other leading men's tours include the Japan Golf Tour, the Asian Tour (Asia outside Japan), the PGA Tour of Australasia, and the Sunshine Tour (for Southern Africa, primarily South Africa). The Japan, Australasian, Sunshine, PGA, and European Tours are the charter members of the trade body of the world's main tours, the International Federation of PGA Tours, founded in 1996. The Asian Tour became a full member in 1999. The Canadian Tour became an associate member of the Federation in 2000, and the Tour de las Américas (Latin America) became an associate member of the Federation in 2007. The Federation underwent a major expansion in 2009 which saw 11 new tours become full members—the Canadian Tour, Tour de las Américas, China Golf Association, the Korea Professional Golfers' Association, Professional Golf Tour of India, and the operators of all six major women's tours worldwide. The OneAsia Tour, founded in 2009, is not a member of the Federation, but was founded as a joint venture of the Australasia, China, Japan, and Korean tours. The charter members of the Federation, as well as the Asian, Canadian and OneAsia Tours, offer points in the Official World Golf Rankings to players who place sufficiently high in their events.

Golf is unique in having lucrative competition for older players. There are several senior tours for men 50 and older, the best known of which is the U.S.-based Champions Tour.

There are six principal tours for women, each based in a different country or continent. The most prestigious of these is the United States based LPGA Tour. All of the principal tours offer points in the Women's World Golf Rankings for high finishers in their events.

All of the leading professional tours for under-50 players have an official developmental tour, in which the leading players at the end of the season will earn a tour card on the main tour for the following season. Examples include the Nationwide Tour, which feeds to the PGA Tour, and the Challenge Tour, which is the developmental tour of the European Tour. The Nationwide and Challenge Tours also offer Official World Golf Rankings points.

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