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Figures And Facts Related To Critical Illness Cover

by

Mike Armstrong

Critical illness cover is believed to be one of the most rapidly growing insurance policies in the UK. In the year 2002, around 1 million critical illness policies may have been sold in the UK. Medical improvements have made it possible for certain people to survive a critical illness. For example, cancer or strokes which may be the most common diseases in the UK. Some people might live normally after undergoing treatment for a certain critical illness. On the other hand, disability may strike others.

As a matter of fact, stroke may be considered as the largest factor responsible for disability in the UK. According to the strokes Association 1999, around 300,000 people may be disabled at any one time in the UK. It is therefore unfortunate to find out that so many people may be affected by this critical illness. Families for such people may get a level of encouragement when critical illness cover awards a tax free lump sum. Loss income along with debts may then be alleviated to some extent.

Most people tend to think that a critical illness can only strike others while this is not true. As a result, they fail to buy a critical illness cover. Research show that nearly 15 percent of every 7 women aged 20-40 may contract a critical illness like cancer before reaching the age of 65. Additionally, around 6 percent of every 17 women may suffer from heart attack followed by almost 4 percent out of 27 women for stroke and finally 20 percent out of every 5 women may have suffered from any critical illnesses.

[youtube]http://www.youtube.com/watch?v=4OaJZNDM7ag[/youtube]

As far as men are concerned, around 9 percent of every 11 men aged 20-40 may contract a critical illness such as cancer before reaching the age of 65. Furthermore, about 15 percent out of every 7 men may have become victims of heart attack followed by almost 4 percent out of every 26 men for stroke and finally 25 percent out of every 4 men may have contracted any conditions of critical illness. If compared, the figures may reveal that most women suffer from cancer whilst men mostly contract heart attacks.

Moreover, each critical illness policy may have already been defined by you about how much cover to provide. And, you may pay premiums according to the magnitude of the cover. So, you should at least have a minimum of knowledge about the subject before you finalise a deal with your insurance agents. If you choose a critical illness policy that requires premiums to be increased each year according to your age, this might eventually become a problem. In the future if you then cannot afford the monthly payments due to high pricing, your critical illness policy might be cancelled. The worst fact is that, your hard earned money might not be refunded to you. Thus do not unknowingly sign on the contract. You may seek more information first.

Critical illness cover may provide you a tax free payout if you suffer from cancer, stroke, multiple sclerosis, etc. You may verify carefully what you will be covered for. Some statistics showed: two fifths of cancer sufferers aged 35-54 may survive for three years. About 80 percent of men and women may survive a critical illness like heart attack. Moreover, Over 50 percent of these may still be alive ten years after undergoing treatment. Finally, approximately 70 percent of stroke sufferers may still be living for 12 months.

As you have seen, critical illness cover might be of valuable use to practically anyone. The aftermath that a family may endure if one member gets caught up with a critical illness can be considerable. Critical illness insurance can save someones life and even help him with a new lifestyle afterwards.

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Figures And Facts Related To Critical Illness Cover}

Wednesday, July 6, 2016

Yesterday, NASA announced their spacecraft Juno has reached Jupiter orbit. It was launched almost five years ago to investigate the largest planet of the Solar System, especially its past.

Charles Bolden, NASA administrator, said, “Independence Day always is something to celebrate, but today we can add to America’s birthday another reason to cheer — Juno is at Jupiter”. He also added the spacecraft would help study the evolution of the Solar System and explore Jupiter’s radiation belts.

NASA spent US$1.1 billion for Juno. The Jet Propulsion Laboratory (JPL) reported Juno was confirmed in Jupiter’s orbit at 0353 UTC. Including the camera, the probe has nine scientific instruments. Juno has covered 2.7 billion kilometres (1.7 billion miles) to reach Jupiter.

NASA said non-essential equipment was turned off for the approach. They expect photos in some days. The first orbital revolution period is 53 days. Juno is expected to orbit the planet 37 times keeping an altitude of 5000 kilometres (3100 miles) above the Jovian clouds and then fall into the planet in 2018.

NASA’s Galileo, launched in 1989, found evidence of saline water on Jovian satellites Europa, Ganymede, and Callisto.

The electronics have been encased in titanium to protect them from high-energy radiation.

Retrieved from “https://en.wikinews.org/w/index.php?title=NASA%27s_Juno_spacecraft_enters_Jupiter_orbit&oldid=4576778”

Thursday, September 18, 2008

Canadian Federal Elections 2008

Day
Stories from the 2008 Canadian Federal Elections
  • 13 October 2008: CanadaVOTES: Libertarian John Kittridge in St. Paul’s
  • 13 October 2008: Canadian scientists protest Harper’s attacks on science
  • 10 October 2008: CanadaVOTES: NDP candidate Paul Arbour in Carleton—Mississippi Mills
  • 10 October 2008: CanadaVOTES: NDP candidate Jo-Anne Boulding in Parry Sound—Muskoka
  • 10 October 2008: CanadaVOTES: NDP candidate David Sparrow in Don Valley West
National Parties

In the lead-up to the 2008 Canadian federal elections much speculation was made about environmental issues and initiative, with various parties maneuvering to claim some portion of the green mantle. But it was the Liberal party which first brought a full-blown policy to the public.

In the months since the Green Shift initiative was brought forth, the political pundits and activists have both talked about this year as the first election where the environment would be a major issue on the minds of voters, and possibly a decisive one for the electorate.

It’s indeed true the environment ranks very high in minds of voters across the country, particularly among young voters. One national survey of Canadians between 18 and 25 finds the environment is the top issue. A poll of all voters found it to be the third most important single issue over all, behind the economy and health care, but the poll suggested that no one issue has really caught the attention of the electorate with many issues gaining similar attention.

The parties themselves seem indecisive, trying to claim a focus on environmental issues but rarely making specific proposals or promises, with the notable exception of the Liberals whose platform has been targeted by opponents and commentators as “wildly experimental” and “doesn’t go deep enough” by turns.

Examining the platforms of the New Democratic Party regarding air pollution and global warming as available on their website, one is struck by a lack of substance. Reference is made to C-377, the Climate Change Accountability Act, which the NDP calls “Layton’s Kyoto-Plus Bill”, which was passed in 2006. The party believes Canada can achieve its Kyoto requirements by 2012, though no mention is made of how a Layton government would do so.

In June of 2008 the Liberals tabled a plan, the Green Shift, which they claim would reduce Canada’s greenhouse gas emissions 20% under 1990 emissions – well below the 6% required by Canadian law when Canada ratified the Kyoto Accord – by 2020, which is rather after the 2008-2012 phase-in period required by that same law. The method of performing this reduction would be to shift the Canadian tax system, reducing income and revenue taxes by replacing them with taxes on greenhouse gas emissions. The plan generated considerable discussion and opposition, and the party has back-pedaled in some portions and added on in others, as well as announcing a couple of separate initiatives to soften the effects for farmers, homeowners, and fishermen among others.

A more diverse approach than solely a “Carbon Tax” is proposed in the Green Party’s platform, which presents an almost holistic approach of adherence to the Kyoto obligations, “Cap and trade” of carbon emissions, industry development with both green technology R&D and regulation as well as consumer subsidies, and their own version of a carbon tax. Alone of the parties they specifically mention the role of international diplomacy/trade as a part of their approach.

Such an approach appears to be anathema to the Conservatives, whose mantra since their election has been that Kyoto cannot be complied with without forcing an economic recession on the country, and used the Throne Speech of 2007 to reiterate that position. They have opposed cap-and-trade schemes in the past, but their platform for this election states their plan to reduce greenhouse gas emissions includes emissions caps for “four air pollutants commonly associated with smog and acid rain,” as well as “tough emission reduction targets”.

In contrast to the laundry-list of unconnected initiatives on the Conservative’s website, the clean platform pamphlet created by the Bloc Québécois makes a simple and apparently heartfelt statement on the environment:

La lutte aux changements climatiques est devenue un enjeu fondamental pour l’humanité et le Québec est déterminé à apporter sa contribution, à sa façon. À Ottawa, c’est le Bloc Québécois qui mène la lutte en faveur de l’application du protocole de Kyoto dans le respect des choix du Québec.
Tackling climate change has become a fundamental issue for all of humanity and Québec is determined to make its contribution, in its own way. In Ottawa, the Bloc Québécois, respecting Québec’s choices, is leading the fight to enforce the Kyoto Protocol.

Just how they plan to enforce the Kyoto obligations is not stated, though they do discuss a carbon market, and tax incentives for home heating upgrade and transportation.

There seems to be a wide if somewhat shallow interest in the electorate as to just what each party is offering on the environmental file. But with sketchy platforms regarding environmental issues, it’s no wonder some of the parties have turned to the subject of economics in recent days.

HAVE YOUR SAY
What is your feelings on how the Canadian parties are addressing the issue of global warming?
Add or view comments
Retrieved from “https://en.wikinews.org/w/index.php?title=Clearing_the_air:_Positions_of_Canadian_parties_vis-à-vis_the_environment&oldid=4498118”

byadmin

If you look around the older neighbourhoods in London and in the surrounding areas you will often notice a variety of buildings on residential properties in various states of disrepair. These may be storage sheds or garages that have long since passed their useful stage and are now just creating a safety concern. If you have one of these buildings your best option is to hire a professional company offering demolition in London to take it down.

Dangerous Possibilities

Many of the older buildings, including outbuildings in residential neighbourhoods that are scheduled for demolition in London were constructed when asbestos was used in all types of construction.

It is therefore critical to avoid working on any buildings on your property, especially if you are removing them, without first testing for the presence of asbestos. Most people do not realise that asbestos is only harmful if the particles are stirred up, which is certainly the case when old buildings are taken down.

The small, virtually invisible particles of asbestos from demolition can be inhaled into the lungs, leading to the development of mesothelioma, a deadly form of cancer. A professional company offering demolition in London can test for the presence of asbestos before you start the project and then provide services based on the results.

Safe Asbestos Removal

A top company offering demolition in London can remove asbestos from your property quickly, safely and efficiently by following all mandated regulations for safe handling.

This includes the use of several different techniques to remove the asbestos present depending on which of the building materials are involved. Removing asbestos cement and textured coating can be particularly complex procedures but are routinely completed by top companies that are expertly trained in asbestos removal and demolition in London.

Before you start any type of residential demolition in London, even if it is just a small shed in your garden, be sure to have the building tested for the presence of asbestos. Professional services to test, remove and dispose of the asbestos safely as well as complete your full demolition will make the entire project safe and ensure it is done in a timely manner according to all necessary safety regulations.

Thursday, May 27, 2010

A US Coast Guard official said today that BP’s latest effort to plug the Gulf of Mexico oil spill has been successful in slowing the amount of oil leaking from the well.

The official, Admiral Thad Allen, said that the procedure, known as a “top kill” operation, has been able to block some of the leaking oil at the source, the top of the damaged well. The operation involves pumping material into the well to plug the leak before cement is used to permanently seal the leak. Allen said the operation has “been able to force mud down and not allow any hydrocarbons to come up.”

BP hasn’t confirmed the success of the top kill operation, saying only that the “operation is proceeding as we planned it,” and that there had been no major incidents thus far. Although the possibility of failure is still present, experts say that the longer the procedure continues, the less likely it will be that anything goes wrong.

The procedure began yesterday afternoon, after diagnostics on the damaged equipment on the ocean’s surface indicated that it could withstand the added pressure of the mud being pumped into the well. Although engineers involved with the operation wore concerned that the pressure of the mud might not be able to overcome that of the oil, that has thus far not been the case.

Separately, a group of US scientists announced new estimates of how much oil was flowing from the well, ranging from 12,000 to 25,000 barrels a day, far higher than BP’s original estimate of 5,000 barrels a day, a figure which BP warned was possibly inaccurate.

In a press conference Thursday afternoon, US president Barack Obama also announced new measures in response to the spill, which include:

  • Suspending off-shore test drilling for six months
  • Extending the moratorium on issuing drilling permits for an additional six months
  • Cancelling the sale of leases for off-shore drilling.

In statements, Obama criticized the “scandalously close relationship” between government officials and oil companies in the past, saying that the Mineral Management Service, which is the agency responsible for monitoring off-shore drilling, had been corrupt for years.

Retrieved from “https://en.wikinews.org/w/index.php?title=BP_says_Gulf_oil_spill_slowed_as_estimates_of_oil_spilled_increase&oldid=3292141”

Tuesday, February 8, 2005 Microsoft has announced that it plans to purchase antivirus firm Sybari Software in order to expand its market within the computer security market. The takeover comes after Microsoft purchased Romanian security firm GeCad in 2003 and two months after an announcement that it is to acquire anti-spyware vendor Giant-Company Software.

Sybari is a private company based in East Newport, New York that develops antivirus software which can be used with Microsoft’s Exchange software, as well as with the Lotus Notes system.

This takeover is seen by analysts to be hostile move on Microsoft’s part, as it places the software giant in direct competition with market leaders Symantec and McAfee. Sterling Auty, an analyst with JP Morgan, told Reuters that he estimated that Microsoft could be competing for up to five percent of Symantec’s business and up to eight percent of McAfee’s revenue.

Microsoft’s shares rose $0.10 at midday to $26.26, while both McAfee and Symantec shares fell.

Retrieved from “https://en.wikinews.org/w/index.php?title=Microsoft_to_buy_antivirus_firm_Sybari_Software&oldid=438364”

Tuesday, May 20, 2008

The discovery of the presence of airborne asbestos in a middle school in Montclair, New Jersey Friday prompted the evacuation of over 200 students from the school and the school’s closure. Renaissance Middle School, part of the Montclair Public Schools in New Jersey, was closed Monday and remains closed Tuesday while undergoing asbestos testing and cleaning.

According to a letter sent home to parents by the Superintendent’s Office of Montclair Public Schools on Friday, “plaster may have been disturbed” during construction on new fire doors at the Renaissance School building on Thursday.

An inspection arranged by the school district indicated asbestos was present in the plaster, and a subsequent inspection performed by asbestos consultant Detail Associates revealed “a level of airborne asbestos fibers that exceeded the acceptable range” in the third floor hallway of the school. Montclair Public Schools business administrator Dana Sullivan told The Star-Ledger that testing conducted on March 31 revealed the presence of asbestos in a brown undercoating of plaster at the Renaissance School building.

The safety of our students and staff is always our first concern.

The affected area was sealed off, and some students were moved to other areas of the building while others were moved to off-site locations. District Public Information Officer Laura Federico told The Montclair Times that sixth and seventh graders were transported to Hillside Elementary School, and eighth graders were bussed to Montclair High School. “The safety of our students and staff is always our first concern,” said Federico.

According to The Montclair Times, Detail Associates conducted a cleaning protocol at the school on Saturday and tested the building to make sure it did not contain unacceptable levels of asbestos fibers. The letter sent to parents Friday by the Superintendent’s Office said that Detail Associates had told the district that the building would be “cleaned, tested and cleared for occupancy by Monday morning”. The school remained closed Monday, and a meeting was held between parents and school district officials. A Parent-Teacher Association meeting is planned for Wednesday night.

The Star-Ledger reported that the ongoing asbestos cleanup of the school is being supervised by the state Department of Environmental Protection. At the meeting Monday morning between parents and school district officials, parents demanded that the inside of lockers be included as part of the asbestos cleanup. This additional step in the asbestos inspection process prompted the school’s closure Tuesday. A Monday statement by the Business Office of Montclair Public Schools said that the Renaissance School would remain closed Tuesday for sixth and seventh grade students “so that an extensive cleanup and additional asbestos testing can be completed”. Eighth grade students did not have classes scheduled as a trip to Washington, D.C. had previously been planned; the school trip is unaffected by the recent asbestos incident.

The kids will be able to go back to school soon, and that’s the important part.

Steve Jaraczewski of Detail Associates was present at the district meeting Monday, and said that one of four test samples taken at the school was positive for the presence of airborne asbestos at over six times acceptable levels. Jaraczewski was critical of the asbestos management plan provided by Roman Catholic Archdiocese of Newark, which owns the school’s building and leases it to Montclair Public Schools.

Jaraczewski said that the state Department of Environmental Protection has required asbestos management plans since 1988, but that the company that drafted the asbestos plan for the Archdiocese of Newark is out of business. Representative for the archdiocese Jim Goodness emphasized that the building would be back open for classes soon. “The kids will be able to go back to school soon, and that’s the important part,” said Goodness.

Exposure to airborne asbestos can lead to mesothelioma, a cancer which develops in the sac surrounding the lungs and chest cavity, abdominal cavity, or the sac surrounding the heart. Exposure to disturbed asbestos fibers can also lead to lung scarring, a condition called asbestosis, and lung cancer. Patients with malignant mesothelioma generally do not have positive outcomes, and once diagnosed have six months to a year to live.

Retrieved from “https://en.wikinews.org/w/index.php?title=Asbestos_discovery_triggers_evacuation_and_closure_of_New_Jersey_middle_school&oldid=1837043”

By Lisa Lutz

House parties are very popular amongst the younger generation. Particularly during New Year’s Eve, birthday celebrations and the start of the summer holidays. Usually a lot of thought and preparation is placed upon organising the best party, in terms of buying plenty of food, drinks and maybe even having some party games prepared. One thing people do underestimate in stocking up is cleaning equipment – and not just any equipment but industrial cleaning equipment. Having experienced many fantastic crazy parties myself, mainly in aid of New Year’s Eve and birthday celebrations, I know firsthand that something will usually go very wrong. For this reason, I have decided to hold back on holding parties at home and stick to nights out. Nevertheless, others enjoy playing the host and even go as far as hiring a DJ, ordering food from catering agencies and buy lots of booze. My advice to all who are planning to hold a big party, invest in some industrial cleaning equipment.

[youtube]http://www.youtube.com/watch?v=Dmqd_3TQy2w[/youtube]

The classic scenario of teenagers holding a house party when their parents have gone away for the weekend certainly attracts gatecrashers and problems. For some teens, a house party is a great way to gain social popularity. Unfortunate as it is, you are guaranteed to expect underage drinking to be involved which is the highlight of any teen party. What they do not realise is the consequences of their actions, that is drunken disorderly behaviour. From my own experiences, I have witnessed fights ensuing, people vomiting from consuming too much alcohol and lots of damage made to the house. At this point, the young person who organised the party is more likely to be panicking and frantically trying to rectify the situation by going on a cleaning frenzy. However, no matter how much they scrub the floor down on their hands and knees, there is no way they are able to lift the stain on their new carpet with the conventional cleaning products, resulting in them facing the wrath of their parents.

This is where the parents must step in. Parents who are leaving their house for a short period of time in the trust of their young teens, need to be prepared that no matter how much they emphasize the fact that they prohibit any parties happening in the house, their teens will almost certainly be planning a party while they are gone. Stocking up on a good supply of industrial cleaning equipment and products are useful for dealing with more serious damages to the house. The more important types of industrial cleaning equipment needed are heavy duty cleaning vacuum designed for industrial usage, bleaches, disinfectants, upholstery cleaners, anti-graffiti products and maybe even some hard surface cleaning tools. The focus is to make sure that whoever has organised the party should deal with the situation accordingly, what better way to teach your child a lesson than to have them clean the house top to bottom ready for your arrival. After all they feel they are responsible enough for holding the party, therefore they must see to it they maintain that responsibility throughout which unfortunately includes after party duties.

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Sunday, January 11, 2015

Space transport services company SpaceX launched their fifth Dragon resupply vehicle to the International Space Station yesterday. The spacecraft — containing more than 2,200kg (5,000 pounds) of food, experiments, and spare parts — successfully decoupled from the launch rocket and should reach the station early tomorrow.

The launch was postponed from Tuesday because of a technical issue on the second stage of the rocket. The shipment includes replacements for cargo aboard the spaceship Cygnus, destroyed during a failed launch in October. Cygnus belonged to the rival Orbital Sciences Corporation.

SpaceX tried unsuccessfully to land the Falcon 9 delivery rocket for reuse. The rocket reached an unmanned barge in the Atlantic, but landed too hard. SpaceX CEO Elon Musk said the landing “bodes well for the future, though”. The attempted salvage of the rocket was experimental, using new retractable fins. Next time they will add extra hydraulic fluid, Musk said.

The ship’s support equipment was damaged but, according to Musk, the barge is intact. Last year saw two successful SpaceX splashdowns but landing on such a small target as a ship is unique.

Retrieved from “https://en.wikinews.org/w/index.php?title=SpaceX_launches_fifth_resupply_rocket_to_International_Space_Station&oldid=3185151”

Sunday, October 30, 2005

Brazil —Former advisors to Brazilian Minister of Finance Antonio Palocci have claimed that three million US dollars from Cuba were used in the 2002 political campaign of Luiz Inácio Lula da Silva. The accusation was printed by the Brazilian magazine Veja in its issue circulating this week.

According to Veja, Rogério Buratti, Palocci’s secretary in the early 1990s during the period when Palocci was mayor, claims that Ralf Barquete (another advisor to Palocci) had asked him to find a way to bring money from Cuba.

Another source, economist Vladmir Poleto who had also worked for Palocci, claimed to have brought the three million from Brasília to Campinas by plane. He stated the money was hidden in whiskey boxes: Johnnie Walker Red Label and Black Label and Havana Club (a Cuban brand of rum). Barquete received the money at the Campinas airport Viracopos. Afterwards he claims the money was transferred by car to São Paulo and delivered to Workers’ Party treasurer Delubio Soares.

Workers’ Party President Ricardo Berzoini has responded saying that the accusation is false. And Lula’s aide Gilberto Carvalho has said the story is “absurd”.

According to the blog of Folha de S. Paulo reporter Josias de Souza, Palocci and Lula are worried about the interviews being aired on Brazilian television.

The president of the PPS, federal deputy Roberto Freire (Pernambucostate), has stated that his party will ask the Electoral Justice investigatory agency and the Public Ministry to begin a investigation into the charge. The parties PFL and PSDB are also considering demanding an investigation.

Retrieved from “https://en.wikinews.org/w/index.php?title=Cuban_funds_tied_to_Lula_campaign,_Brazilian_magazine_alleges&oldid=1522145”