Critical Illness Insurance. How Critical Can You Get?

Submitted by: Michael Challiner

There s a new critical illness policy on the market which attempts to go some way with regard to sorting out the perplexity regarding exactly what is, and is not, covered when it comes to claiming on the policy.

Traditional critical illness policies tend to cover up to 35 listed medical conditions. Policyholders could become seriously ill with a condition that doesn t fall into the scope of the policy and find that their illness is not covered, whilst others may be diagnosed with a listed illness with a lower grading which is relatively easily treated, for which they get a full payout.

Because of this inequality, the Financial Services Authority is uneasy with regard to insurers failing to fully understand that cover is restricted to certain specific illnesses.

[youtube]http://www.youtube.com/watch?v=uw_Tgu0txS0[/youtube]

This new product is marketed by the Prudential, under the name of the Flexible Protection Plan, and is unusual in that it claims to cover an amazing 140 medical conditions. However, cover is based on the severity of the condition which could possibly cause some uncertainty regarding the grading of these illnesses.

This is how the plan works:

Listed in the policy are practically all serious illnesses and the payout when one these is diagnosed will be graded according to the severity of the condition. The Prudential says that by tying payments to the degree of seriousness of the illness means that more payments can be offered to people with debilitating illnesses, who may otherwise get nothing at all. An example of this is that should you lose the sight of one eye; the Prudential policy will pay 25% of the sum assured. Normally, critical illness policies would only pay out when total blindness occurs. In all, 140 severe conditions are covered.

A spokesman for one of the specialist financial advisers welcomed the range of the policy, but voiced some concern regarding the implementation of these severity-based payments, saying that it would be open to argument as to what level of severity some illnesses would be graded as. It was felt that it would not be advisable to enter into this type of policy unless you had a very clear understanding of exactly how it would work. We quote It will be up to the consumer to decide whether a guarantee of getting a smaller payment is better than possibly getting nothing.

The cost of this new policy is approximately twice as much as conventional critical illness cover.

If your main concern regarding insurance cover should you become critically ill would be the financial outcome, it might be better to consider life insurance. Particularly, if you have a family to support, you may need something that is going to guarantee their lifestyle in the worst case scenario and with the addition of some income protection cover, which would meet outgoings in the event of you becoming unable to work due to illness. This type of cover, unlike the critical illness policy, protects you against common conditions, which result in you being unable to carry out your work.

The best course of action would be to contact a broker and check out the alternatives. The internet s a good place to start and there are some good internet discount s available, along with plenty of advice. A good broker will be able to compare the products available and come up with the right insurance product for you.

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Cloned cattle’s milk and meat seem safe, according to new study

Tuesday, April 12, 2005

A National Academy of Sciences report (.pdf) last year said that while the milk and meat from cloned animals would not likely make anyone sick, more research should be performed. Now, a new US-Japan study published in the April 11 online issue of the Proceedings of the National Academy of Sciences says that milk and meat from cloned cattle does indeed appear to meet industry standards and appears to be safe for human consumption.

As BBC News reports, the scientists, led by Professor Jerry Yang from the University of Connecticut, compared the produce from two beef and four dairy clones, all derived from a single Holstein dairy cow and a single Japanese black bull, with the produce from normal animals of similar age and breed.

The meat was analysed against more than 100 physiological, tissue and cellular components, while the milk was analysed for protein, fat and other variables. No significant differences between the produce of cloned and normal cattle were found. Higher levels of fat and fatty acids were found in the cloned cow meat, but they still fell within beef industry standards.

While the study showed the cloned produce to be within the range approved for human consumption, the scientists stressed that the research was still in its early stages. Their findings, they said, provide “guidelines” for further research with larger numbers of clones from different genetic backgrounds.

Cloning livestock may one day increase yields by copying those animals that are especially productive and especially resistant to disease.

“The milking production levels in the US are three to four times higher than levels in China; maybe even five times or more compared to cows in India and some other countries,” Professor Jerry Yang told BBC News. “Therefore cloning could offer technology for duplicating superior farm animals. However, all the products from these cloned animals must be safe for human consumption. …and it is a major issue for scientists to provide a scientific basis for the data and information to address this question.”

As USA Today reports, there is currently no law governing the sale of meat or milk from the estimated 1,000 to 2,000 cloned farm animals in the USA. But since 2003, the US Food and Drug Administration (FDA) has asked producers to voluntarily keep the meat and milk of these animals, and that of their offspring, out of the food supply.

Wired News reports that companies like ViaGen and Cyagra, which offer livestock-cloning services, have also been waiting for several years for a final say from the FDA.

“For the United States agricultural industry, (cloning) can reduce the number of cows necessary for milking,” said Jerry Yang “They can have a pleasant environment and produce even more milk.” He also said that cloning cattle from the United States, where genetic breeding is more advanced, could save developing countries 50 years of breeding.

The idea of cloning animals for human consumption is not without its critics. First, there are the welfare concerns, as most cloned animals do not make it to term before being born, and many of those that do are born deformed or prone to illness. The Humane Society of the United States has asked for a ban on milk and meat from clones for just this reason. Second, there is still the concern that healthy clones may have subtle defects that could make their food products unsafe to eat.

As the Washington Post reports, some critics are asking why it is necessary to clone cows that produce huge amounts of milk when surpluses, rather than shortages, are the main problem facing the U.S. dairy industry today.

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Colombian military spy plane crashes

Wednesday, February 18, 2009

According to media reports, a Colombian air force AC-47 (registration FAC1670) spy plane carrying five people has crashed near the Colombian city of La Dorada, in the department of Caldas.

All on board the plane are believed to have been killed, according to Colombia Reports. Among the dead, according to Monsters and Critics, are two technicians, a major and two second lieutenants. ABS-CBN News reports that the dead included three high ranking officials and two lower ranking ones.

Jorge Ballesteros, a Colombian air force official, says that the plane took off from an air force base in the city of Puerto Salgar and was on an exercise mission when it crashed. He also states that although it was on a training exercise, the plane was carrying bombs and machine guns.

A military team has been dispatched to the area to investigate the incident, but they have already put the blame on mechanical failure. Ballestero noted that investigators have ruled out a rebel attack and terrorism as possible causes.

AC-47’s have been used by the Colombian air force for nearly 20 years, most of which were donated from the United States. They were provided to the country in an attempt to fight the illegal drug market and to defend citizens and the military against rebel attacks. They are also used to gather intelligence and come equipped with a state-of-the-art communications system, radar and infrared detection systems.

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If You Get Nervous During Pharmaceutical Sales Interviews

By Clint Cora

One thing that is always unfortunate to see during pharmaceutical sales interviews with candidates is just how nervous many of them are. Although being nervous is very common among many job seekers during any job interview situation, it is a definite liability when interviewing for pharmaceutical sales positions or any type of sales job for that matter.

As a former hiring sales manager in the pharmaceutical industry, I along with my other sales manager colleagues used interviews to predict whether candidates would be able to do the sales job in a real customer situation. The interviews would be the best device we have to assess a candidate’s suitability for a sales position.

[youtube]http://www.youtube.com/watch?v=GpFO3mTf9Hk[/youtube]

If a candidate is nervous in front of us, many sales managers unfortunately would think that the person being interviewed would also be nervous in front of actual customers. As sales managers, we want confident individuals in our sales forces, not those who would be anxious during sales calls with our customers. Nervous candidates would probably not progress much past first interviews.

If you tend to get nervous during job interviews, it is highly recommended that you find ways to get rid of this nervousness. One must display a certain level of confidence in order to come across as a top candidate for a pharmaceutical sales position. Being nervous would just become too distractive for both a sales representative and the customer during a real sales call.

Practicing interviewing with friends would be a great way to start in gaining comfort during interviews. Then move on to informal networking with people you meet in the industry such as working pharmaceutical sales reps. It gives you experience in interacting with pharmaceutical professionals without being in a job interview situation. Recruiting agencies or headhunters can also be good outlets to rehearse your interviews.

Another great way to help get rid of nervous habits is to get more experience speaking in front of people. Participating at your local Toastmasters club which develops public speaking skills in a friendly group atmosphere would do wonders for improving self confidence in front of people.

Just remember, even though one might have good qualifications on paper, if one shows any nervousness in an interview situation, then one really isn’t ready for pharmaceutical sales or other types of sales positions. Work on getting comfortable first before pursuing a sales career.

About the Author: Clint Cora is the author of the book “How To Get A Dream Job In Pharmaceutical Sales – Direct Inside Advice and Guidance from a Sales Manager”. He had a very successful fourteen year career as a pharmaceutical sales representative, sales trainer, product marketing manager and a national sales manager. More information about pharmaceutical sales careers can be found at

GetPharmaceuticalSalesJob.com

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Italian goalkeeper Carlo Cudicini seriously injured in motorcycle accident

Friday, November 13, 2009

Italian goalkeeper Carlo Cudicini has been seriously injured in a motorcycle accident in London. The player, who plays for Tottenham Hotspurs, was involved in a collision with a car at 10:30 GMT. The football club reported that he has fractured his wrists and injured his pelvis.

A spokesperson for the Metropolitan Police released a statement saying “A 36-year-old male suffered injuries described by the London Ambulance Service as possibly life-changing and was taken to Whipps Cross Hospital for further assessment and treatment”. No arrests have been made.

Cudicini crashed his motorcycle into a Ford Fiesta with a female driver and a child passenger. Neither the driver or passenger were injured in the accident.

Cudicini is the son of former AC Milan goalkeeper Fabio Cudicini. During his career he has played for Lazio, AC Milan and Chelsea. He played for Chelsea for 10 years until he was transferred to Tottenham in January. He made one appearance for the Italian national team.

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Ralph Nader calls out Democrats for financial bailout

 Correction — Aug 2, 2010 Nader referred to the 1999 repeal of the 1933 Glass-Steagal Act. The Wikinews article omitted the word “repeal” from the account of Nader’s speech. 

Sunday, October 5, 2008

Independent U.S. presidential candidate Ralph Nader had harsh words for the Democrats who engineered yesterday’s passage of the Emergency Economic Stabilization Act of 2008, a bailout of the U.S. financial system. At a campaign stop in Waterbury, Connecticut on Saturday, Nader said that Democrats passed up a chance to enact re-regulation of the financial system and instead gave Wall Street everything it wanted.

According to Nader, Senator Chris Dodd (D-CT), Representative Barney Frank (D-MA), and other Democrats considered but rejected measures such as a tax on transactions of derivatives (a “speculation tax”) because of their financial ties to Wall Street and its lobbyists. He said that Representative Chris Murphy (D-CT), who represents Waterbury, had “become a toady” of Nancy Pelosi. He drew enthusiastic applause by calling Murphy “a dynamic fraud”, and referred to Senator Joe Lieberman as “the Hermaphrodite of American Politics”. For Murphy and Representative Chris Shays (R-CT), Nader said, supporting the bailout despite the opposition of constituents was a “profile in betrayal”. Because there were no public hearings where taxpayers and experts could weigh in on the bailout, Nader characterized it as a return to “taxation without representation“—under “King George IV” 225 years after the 13 colonies were taxed under King George III.

Asked about causes of the financial crisis, Nader pointed to the deregulation of the financial sector with the 1999 Glass-Steagall Act and further deregulation in 2000, as well as the rise of overly complex financial derivatives. He outlined a four-part reform plan:

  1. Re-regulation of financial markets
  2. Increasing shareholder control of corporations
  3. Taxpayer equity as part of any bailout, as in the 1979 bailout of Chrysler Corporation
  4. Making speculators pay by enacting a 0.1% tax on derivatives transactions (which Nader said will amount to over $500 trillion this year)

Regarding the equity warrants included in the passed bailout, Nader relayed word from an unnamed source that Treasury Secretary Henry Paulson had told Wall Street executives “don’t worry, it’s not enforceable”.

Nader told reporters that he had abandoned the Green Party because “Greens are not disciplined, and they’re not mature”, and also lack the fund-raising capabilities to break into mainstream political discussions. “They bicker and bicker,” he said, pushing out their best people. However, he endorsed several local Green Party candidates, including Chris Murphy’s opponent Harold Burbank.

The virtual media blackout for third party campaigns by national newspapers and networks has been a source of continual frustration for the Nader campaign, as well as the campaigns of Libertarian Bob Barr and Green Cynthia McKinney and the post-campaign activities of Republican Ron Paul. According to Nader, reporters tell him that editors of national media are “very bigoted against third party and independent candidacies”. Even journalists for taxpayer-supported media, such as National Public Radio‘s Terry Gross and the Public Broadcasting Service‘s Jim Lehrer, have shut him out during this campaign. Debates, he lamented, are controlled by corporate interests through the Commission on Presidential Debates.

Nader spoke to a supportive crowd of about 60 people and his campaign raised over $2000 at the event, their third visit to Waterbury. The event took place in the former building of a closed-down bank.

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Latest trial of the One Laptop Per Child running in India; Uruguay orders 100,000 machines

Thursday, November 8, 2007

India is the latest of the countries where the One Laptop Per Child (OLPC) experiment has started. Children from the village of Khairat were given the opportunity to learn how to use the XO laptop. During the last year XO was distributed to children from Arahuay in Peru, Ban Samkha in Thailand, Cardal in Uruguay and Galadima in Nigeria. The OLPC team are, in their reports on the startup of the trials, delighted with how the laptop has improved access to information and ability to carry out educational activities. Thailand’s The Nation has praised the project, describing the children as “enthusiastic” and keen to attend school with their laptops.

Recent good news for the project sees Uruguay having ordered 100,000 of the machines which are to be given to children aged six to twelve. Should all go according to plan a further 300,000 machines will be purchased by 2009 to give one to every child in the country. As the first to order, Uruguay chose the OLPC XO laptop over its rival from Intel, the Classmate PC. In parallel with the delivery of the laptops network connectivity will be provided to schools involved in the project.

The remainder of this article is based on Carla G. Munroy’s Khairat Chronicle, which is available from the OLPC Wiki. Additional sources are listed at the end.

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Saving Your Marriage : Not As Difficult As It Seems

Submitted by: Tashie Stevens.

A good number of modern day marriages are ending up in divorce and if your marriage is also going down the drain, it is time to take some quick steps for saving your marriage.

A good number of modern day marriages are ending up in divorce and if your marriage is also going down the drain, it is time to take some quick steps for saving your marriage. Surviving divorce or saving marriage is one of the most difficult questions that modern couple faces. The answer to this complicated question lies in the hands of couple itself. You and your spouse have the power to either end up your marriage or make an effort to save it. Marriage problems crop up sooner or later in the life of every couple.

[youtube]http://www.youtube.com/watch?v=N9MVBFq5fgE[/youtube]

However, it is greatly dependent on how the couple handles the situation so that saving your marriage could be possible. You might certainly be utterly confused and thinking that, isn?t it too late to save the marriage when you are already considering divorce as an option. In such a situation, it is wise to slow down and stop expecting quick result. Often people are conditioned to receive immediate results and think about marriage in the same way. Talk to your spouse while keeping the bitterness aside and try to sort out the problems with a cool head. It is certainly possible to derive a solution to your marital problems.

A whole hearted effort on your part can certainly contribute greatly in saving your marriage. Some of the commonest reasons of divorce are lack of communication between the couple, wrong expectations and lack of commitment as well. Marriage is no trade and you would surely experience various bumps in this tough terrain. However, a couple who really wants to save their marriage would talk to each other and try to ease out the situation. Marriage is a wonderful institution where you loved each other wholeheartedly and took the vows to love each other for your entire life. Of course, you would have seen a wonderful future with each other and that is why you decided to get married. But in case you are not happy with each other, relationship tips can be helpful in melting the ice between the two of you.

There are various reasons why people opt for divorce. Some of them include sex problems, cheating, money related problems, addiction and in numerous cases, petty things. Fighting over small things and trying to change each other?s habits can cause a gorge between the couple. In such a situation, it is wise to fix a relationship and get over the marital issues. If you are really keen about saving your marriage, do not stop communication. It is possible to solve every problem through communication. The couple must also get over the wrong expectations. The relationship problems can be resolved by understanding each other?s view point. Lessen your expectations and you would soon find your old love back. Surviving divorce is an extremely difficult job and therefore, it is certainly wise to work on your problems and get out of the pathetic situation. You can also take the service of marriage counselors for the purpose. It is worth a try.

About the Author: Tasha Stevenson is the author of this article on saving your marriage.Find more information on marriage problems here.Visit

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Ontario Votes 2007: Interview with Communist Party candidate Shona Bracken, Toronto Danforth

Sunday, October 7, 2007

Shona Bracken is running for the Communist Party in the Ontario provincial election in Toronto—Danforth. Wikinews interviewed her regarding her values, her experience, and her campaign.

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New Zealand prisoners do nothing says National party

Sunday, November 5, 2006

Figures released by Simon Power, law and order spokesman for the National party, show that the New Zealand Labour led government lets 81% of all prisoners not do any work while in prison. Newspaper, Sunday News says that some Christchurch prisoners have been given a barbecue for good behavior.

Simon Power’s figures show that of the 7,612 prisoners only 19% (1,470) of them took part in Corrections Inmate Employment during 2006. But in 2005 it was at 23% and in 2004 it was at 26%. He says that the prisons with the least amount of inmates working are: Rolleston with 8.6%, Mount Eden with 8.7%, Rimutaka with 11%, Christchurch Women’s with 13.5% and Dunedin with 13.8%. Mr Power said: “These figures are an appalling indictment on this Government’s approach to prisoner rehabilitation and preparing them for release.”

“In May, Corrections Minister Damien O’Connor announced a strategy that he said would help in ‘significantly increasing the number of prisoners in work and training. But a week later this was shown to be nothing more than window dressing when the Budget increased funding for prisoner employment by a measly $336,000 – up 1%.”

“They have cut funding [on the Corrections Department] by 27% since 2001/02, from $46.5 million to $34 million.”

Mr Power blames the low work rate on the big prison construction budget of $490 million. “There would have been more than a miserable $336,000 extra to spend on effective rehabilitation and work schemes,” he said.

“[Mr O’Conner] seems happier to spend $11 million on landscaping four new prisons and allow prisoners to sit around playing Playstations and Xboxes on their flat-screen TVs than he is about helping them get better prepared for when they are released.”

“Prisoners should be doing meaningful work, training or study while they are in prisons, and I imagine the public would agree,” Mr Power added.

Mr Power, commenting on the barbecue, said: “These people are in prison because they were found to be in serious breach of the law. The victims of their crimes will be grossly offended by the idea that they are being rewarded for anything. This is the just the latest in a long line of incredibly bad decisions made by the Corrections Department over the past year and taxpayers have had enough.”

Bevan Hanlon, president for the Corrections Officers Association, said: “The Mobsters getting a BBQ was a “joke”. (Christchurch Prison) staff are reporting the smell of dope every day. Mobsters are threatening staff on a daily basis and there appears to be high cellphone use (mobile phones are banned in jail). So what happens? They are given a BBQ.”

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