Critical illness protection

What is critical illness protection?

CRITICAL ILLNESS protection is a life assurance product that is normally included with in a Pioneer life insurance policy provides benefits should an individual that is covered acquire a predefined critical illness. Critical Illness protection was included into Life Assurance products relatively recently. The argument was that an individual who became critically ill, who had been paying life assurance premiums for long periods of time, stood the chance of losing all this as a result of not being able to keep up paying the premiums as a result of a critical illness. This protection is paid out should the predefined critical illness occur on the individual, thus protecting that person against this happening as a result of a critical illness.

The types of critical illness protection covered with this assurance product generally includes but not limited to the follow: cancer, multiple sclerosis, angioplasty and heart attacks. In the United Kingdom approximately 40% of men and 70% of women die from cancer alone. The protection also covers disability if requested. Disability means that an individual is unable to work as a result of an accident or illness. Approximately 3% of women and 4% of men become permanently disabled in the UK. Where as in the Philippines the average age of death is a considerably lower it really is a must have product and everyone should have a life insurance Cebu product to fall back on if not at least to protect their families.

Critical illness insurance is the protection an individual requires to prevent further financial hardships should a potentially terminal condition occur. Fortunately we have learnt from the past where people suffered great hardships as a result of acquiring a life threatening illness or a disability.

With today’s lifestyle of smoking, drinking and no exercise, such conditions are going to increase rather than decrease. In England, Scotland and Wales the trend has been a gradual increase in heart disease over the years. This type of protection is become more and more important on daily basis as our lifestyles continue to change.

It is ironic that as we have advances with medical science and reduced the risks of other previously life threatening diseases like typhoid and dysentery, other diseases have now taken their places as a result of becoming more common. This trend is set to continue unless we as individual start to look after our health more seriously through avoiding smoking, avoiding excessive drinking, start to exercise and maintain a healthy diet.

Buying furniture for your new home in Cebu

technology on society

How to make choices we would be satisfied with in the area of furniture?

You have just seen the one of the best condos for sale in cebu and you are ready to move in so what about the furniture?

Growing number of people currently tend to think that regards getting furniture it has never been simpler to do that that it is now. It is connected with the fact that thanks to the progress of the rivalry on this market we may choose from significant variety of commodities. In addition, we might compare various pieces of wardrobes etc. quite rapidly using the Internet and diverse topical websites that allow us to compare various parameters.

This also makes rising amount of people be keen on improving them in their houses, which is also related to the fact that thanks to being interested in developing it we might bring some fresh air to the house and get rid of something that made the view in our home pretty boring. Nonetheless, although it may appear to be very simple to do that, we should not forget that doing this right is not that easy. If you are buying a penthouse in cebu then you want high quality modern furniture that complements the property where as if you bought one of the many Studios for sale in Cebu then you need a more minimalistic design

If it would be pretty easy there would be no end-users complaining that they have made wrong moves. It is frequently found out that more and more people having made decision in the above mentioned area too quickly mostly regret it and feel they could have spent more time on checking whether there would be more professional furniture that would meet their needs. This implies that one of the most popular mistakes people make in this area is that they lack of a more critical eye in analyzing the pros and cons of different services.

Investing in the Real Estate market


Buyinvestment property overseas could be said to be always a risky business and one of the fundamental consideration in investing in the Real Estate market especially a if you are looking for condos for sale in Cebu where the growth and desirability is extremely high, is not only the present supply situation of the basic utilities in the area such as power and water but more importantly, the outlook for these basic utilities. Imagine investing in a property situated in a location where power or water supply would become intermittent in a couple of years.

With this, I did some research on the Power and Water outlook for Cebu per se and Visayas en banc. For the Power Supply-Demand Outlook, I was able to get hold of some information from the presentation material of our DoE Sec. Carlos Jericho Petilla that he used during the 2013 Visayas Power Summit.

His presentation included the power supply & demand projection for the Visayas until 2030 together with projects that are intended to augment the present power capacity.

This chart takes into consideration two (2) average annual demand growth scenarios, i.e., 4.45% (aggregated demand submitted by the utilities to DoE) and 5.28% (based on GDP growth projections).

Noteworthy also are the 5-year plans and programs, both committed and indicative, that are intended to augment our power capacity and should cover our projected power demand until 2019.

As for our Water Supply (in cubic meter), please refer to the table below.

You will see that in Cebu, we have enough water to supply our needs. Coupled with newly tapped water sources, we should be able to sustain this in the coming years.

On a more personal note, while our current outlook for both power and water supply may be sustainable, Ecology 101 taught me that it is our responsibility to ensure the sustainability of these resources and not to just rely on the plans of the government and the different private consortium.

Here are some ways we can alleviate the situation:

On Power:

a.) Some developers have already included freebies to tap renewable energy sources. As an individual, you might also want to include in your investment equipment that will be enable you to tap energy sources like solar and wind. There are already a lot available in the market that can supply your needs and might even enable you to get credits on your electric bill.

b.) For your A/C needs, you might want to consider the inverter split type A/C units that should reduce your consumption by as much as 50%.

c.) As a back up, you might want to buy a generator.

On Water:

a.) Some developers have already included waste water treatment facilities in some of their projects.

b.) Individually, we can also ensure the sustainability of our water supply by building our own cisterns to catch rainwater.

c.) Use rainwater for washing the cars (you would need filters though) and watering the plants instead of tap water.

So it is good to know that the resources can supply the ever increasing demand as more condos in Cebu are being built so meet the demand of people looking for property for sale Cebu.

Another concern was tourism; with the expected rise of 50 expected in the next 3 years it means that the hotels will be running at higher occupancy rates and will also increase the number of properties for rent cebu used for short term or daily lets via websites such as airbnb.



Hgh Can Reduce Cholesterol Levels

Bodybuilding. Man and woman

Hgh News can Reduce Cholesterol Levels

Human Growth Hormone most likely hits its peak within the development of every individual upon reaching adolescence. Since HGH may be the master hormone within your body, it will help boost producing other the body’s hormones too. It will help and balance producing sex the body’s hormones too which guarantees enhanced libido and sexual function both in males and females. Growing HGH production within your body can’t only assist you to look more youthful but could also cause you to organs and circulatory system more powerful to ensure that you are able to fell more youthful and energetic from inside. The real cause of getting older processes within your body is really a stop by producing Growth Hormone. At that time, apparent changes are most apparent in much deeper voices and growing of facial and the body hair, too as with a number of other activities. When you go to the second phase of the aging process, the secretions of HGH begins to decelerate. People often tackle age effects with many different anti-aging items instead of dealing with the main from the problem by inside. Applying antiaging creams can be results you good looking but it can not make you feel younger from inside.

HGH supplements will make you internally more powerful. Probably the most and significant advantages of these herbal supplements is they might help improve your defense mechanisms. This provides greater potential to deal with illnesses and infections to ensure that you receive a much more healthy body. Not only this, these herbal supplements also aid in increasing bovine collagen and elastin to ensure that you will get more youthful skins. What anti-aging skin remedies do at the expense of 1000′s of dollars, these herbal supplements can perform in a faction from that cost. These supplements might help reduce facial lines, wrinkles and dark spots inside a couple of days. Boost-up your energy and sex drive within month.

By growing HGH production within your body, these herbal supplements also reduce your Cholesterol levels that are simply ideal for your cardiac health function. You will find many buy HGH pills are scientifically approved. Not only this, top quality supplements now include Bioperine to make sure even faster results which too with no unwanted effects. Essentially, these herbal supplements can ensure an entire body transformation for you personally. They will make you look in addition to seem like 20 once more. Many people choose the diet program where to follow strict diet programs whereas you will find people who choose the mixture of these two programs. Artists are using different techniques to have their body formed.

When choosing a growth hormone product, full disclosure of advisable, adverse-side effects, elements, and testimonials ought to be accessible. When the packaging label conveys all-natural elements, then that’s what ought to be within the product. Naturally created within the anterior pituitary gland, the best HGH uk provides a proven status for marketing development and growth.

News for Soft Sensual Massage


Try the Soft Tender Sensual Massage

Do you fancy a woman rubbing herself all over your body, or maybe two women doing the same? This would be more of a sexy sandwich massage your friends have been talking off, and now its time you get to experience the sensual massage or tantric massage in London  as well.

There are many men like you who need and deserve all the sexual attention in life. You don’t have to try to hard to hook a chick to get that sexy massage done, nor spend a bomb trying to impress someone who could do it for you. This is not the case when you come to our heavenly massage parlor for a sensual massage, a place where our angels with soft skin and gentle touches await to please you.

Rubbing and teasing every part of your body while your hands roam theirs would be fun. Isn’t it? You can also ask more than two women to play with you while you grope one of their buttocks as they do their jobs. Our angelic ladies have one motto in mind, and that is to keep you happy. The tantric massage London and sensual massage will provide you with an excitement and sheer pleasure, but don’t worry because the girls know how to bring you back to reality and yet keep you content and satisfied.

While one is busy massaging your sensitive areas, back and forth. The other would be massaging your other parts, while the third would be indulging in nipple play with you. Now that’s what we call a heavenly and naughty best massage London.


hyg 3

The Best Tandem of HGH in Aging Process

There is no doubt that everyone looking for their youthful looks and stamina in younger life. Jan D. Miller of Longview, TX, at 35 years old also wants to be more youthful looks like earlier. She was hunting several websites for the right anti aging supplement which can give her good and guaranteed result. She was also known that there are plenty of fake websites which are claiming fake promises. She was more than scary about to be cheated and loose her rest of good looking. After a long reading and seeing so many sites, she was more than desperate to know the reality about the human growth hormone supplements. Jan came to read lots of fake reviews throughout the internet regarding the products good results. It was horrible for her to decide the right hgh product for her.

It is true that after the age of twenty five, the aging signs started to appears. So it was not too late but still late to reverse the aging signs or eliminate the aging signs. Few question first of all asked for better understanding.Is that true that human growth hormone help to delay the aging signs?

Actually human growth hormone is the main responsible hormone for aging signs, during slow secretion or less secretion of hgh the body started to appears show different aging signs, like wrinkle skins, gray hair, metabolic disorder, sexual dysfunction etc. So artificially if you can improve the volume of secretion level that definitely helps once to fight against aging signs. Actually there is a close relation between aging process and hgh,

check here : Can HGH slow down the process of aging? Which form of hgh supplements need to be select for best result?
Actually there are mainly three forms available in market 1) Injectable 2) Spray or liquid 3) Pills forms.

Injectable: Injectable hgh is very much expensive and need proper medical attention or permission from a registered doctor to start that treatment.

Spray : In earlier days spray forms were very much popular due to the low cost of the product, but liquid forms are very much sensitive as it is vulnerable to temperature. Proper preservation and packing need for maintain the temperature. In high temperature the molecule starts to show different reactions.

Pills: The pills are very much safe and easy to obtain. There are plenty of brands available in market there are lots of hgh products for sale but mostly GenF20 Plus works fine. This product is time tested a prepared by FDA approve manufacture house.

So after long research Jane came to the point that GenF20 Plus is the best choice for her to overcome the aging signs. In the month of June, 2011, she started to take the pills in regular manner, after only three months she find herself more youthful looks and able to loose extra fat.

The selection of GenF20 Plus was not easy task for her, as there are too much information about the quality of different products, so she started to examine all the products thoroughly and pick the best one as GenF20 Plus.

Massage News


My Tantric Massage Chelsea

Now I will describe the Tantric Massage in Chelsea that I have developed and teach in my workshops . As I already stated in my Bio, I have been practicing a wide variety of Therapeutic Massage techniques for over 20 years, working at some very exclusive resorts and spas around the country. For about the same amount of time, I have been practicing the Tantric Arts on a personal level, cultivating my own energy & Kundalini. Seven years ago, I decided to combine my expertise in both areas All I can say is WOW! The results are incredible. It has been an amazing and wonderful experience for both my clients and myself.

Over the years I have developed an incredible tantric massage Chelsea that incorporates the best of many techniques. It is relaxing, healing, stress relieving, works out kinks and knots and tension, relieves muscle and joint pain, clears energy blockages, balances energy, awakens the Kundalini and circulates it throughout the body. On top of all of that, It feels fantastic!

What to Expect

When you book an appointment, we agree on the time and place. At this point, I do not have a studio, so it is on an out-call basis only. It should be someplace where you have sufficient privacy and feel comfortable. I suggest turning up the heat, so you don’t get chilled during the massage. It’s also a good idea to take a long hot bath or shower before I arrive to get nice and relaxed and loosened up.

You can also decide who you want to receive the massage from. I work with two female therapists: Nikki & Maria. They are both very good therapists who have a wonderful touch and good grasp of Tantric principals. You can have either a two or 4-hand massage from any of us.

When we arrive, we can spend some time getting to know each other a little bit, or just get right into the massage, whatever you prefer. I will take a few minutes to set up my massage gear. I bring a soft, comfortable pad that rolls out on the floor, sheets, very high quality massage oil, candles and even music for ambiance.

Each person is different, so each massage is a little bit different, but we usually start off with the client on their back, on the table, under a sheet. Then begin with a gentle foot massage (reflexology). This is very relaxing and feels wonderful. From there we will go up to the neck and shoulders, where we do some stretching and massage to work out the knots and tension from the muscles. I also do some energy balancing (Polarity) to clear out blockages and restore the flow and balance of your life force energy (Chi). These techniques are extremely powerful and effective. You will feel a noticeable difference immediately.

Then the client will turn over so we can work on the back. We work out all of the knots, tension and stress through gentle, deep tissue massage that is never too hard, but just deep enough. We also work the muscles in the legs and buttocks until your entire body is completely relaxed and loose, like a wet noodle. This is the end of Phase I: to release the physical stress & tension and clear out the blockages in your energy.

Phase II is all about building up the energy in your body, and beginning to awaken the Kundalini. There are a number of techniques for this. One of them is very light tracing of the fingertips over the surface of your skin. Very gentle, very smooth and light, but not enough to be ticklish. I cover the entire body, gradually focusing into the area where the Kundalini is resting (at the base of the spine).

This part of the massage can be arousing. That is OK, it is a part of the process, but I will always tell every client that this treatment is for you, for your enjoyment. So if there is ever a moment where you feel uncomfortable , it is OK to let me know, and we can stop or do something differently. You cannot enjoy your massage if you’re feeling uncomfortable. I am a professional massage therapist with over 20 years of experience, so I know how important it is for my clients to feel relaxed and comfortable.

Another energy building technique that is vital to the emergence of Kundalini is energizing and balancing of the Chakras. These are energy centers that run up and down the center of your body. Your Chakras have a very powerful impact on various aspects of your self, both physical and emotional. Many people can actually feel when certain Chakras are open & clear VS. closed & blocked. For example, when your Heart Chakra is clear, balanced and open, you will experience a great deal of love and trust towards the people in your life, as well as the world at large. When this Chakra is closed & blocked you can feel how closed down your heart feels, inaccessible. I work on clearing, energizing and balancing all 7 of the main Chakras.

By this point, you will be feeling totally relaxed and comfortable. All of the blockages should be cleared and your body is primed for the emergence of the Kundalini.

Phase III is where we really switch on the energy as we awaken the Kundalini and draw it out into the rest of your body. As I use several different techniques to accomplish this, it may be different for each person depending on what works for them. Some people are just not ready for the intensity of the full Kundalini experience, and that is fine. Everyone is different and each person will have their own experience. This phase will usually involve intense Tantric breathing exercises.

Those who experience the magic of Kundalini are not disappointed. The energy can be tremendous and the sensations incredible. Of course, it is different for everyone.

By the end of the session you will feel both relaxed and energized, completely satisfied and at peace with yourself and the world.

Understanding Warts


Understanding the News of Warts and Why They Appear

Frankly speaking, Warts are one of those skin problems that most people find themselves face to face with at least once in their lifetimes. Just like moles and skin tags, warts, are an unwanted condition and have the tendency to just spring up unannounced and then never seem to want to go away – ever! Contrary to popular belief however, warts don’t just ‘pop up’ naturally, instead, warts are actually a viral infection that can be caused by many different types of viruses!

While details about how exactly warts is contracted are sketchy, the fact of the matter is that it is definitely passed from person to person. Normally, it takes place when you immune system is compromised though you may very well contract the virus and only have warts actually appear several months or even years later – so if you were wondering where you might have ‘caught’ it, don’t bother!
Because they are contagious, warts can (as we mentioned) spread from person to person. But what is less known is that they can even spread from place to place! Due to this, if you have warts in one part of your body, you could eventually find yourself developing warts in others as it spreads. For all intents and purposes, you’ll actually be self-infecting yourself with warts!
To further compound matters, removing warts tends to be highly complicated with the common solutions consisting of surgery, or freezing them off using cryosurgery. Of late, there are certain creams that have become the recommended form of treatment but even these tend to only be effective in certain situations.
Considering it is so complicated to remove warts, what makes things even worse is that no matter how you remove them you’re still going to run the risk of warts reappearing. This is why so many people eventually give up and resign themselves to having to live with warts after they’ve successfully removed it only to find that it comes straight back.
All things said and done, warts are not a ‘big’ problem. Truth be told, the biggest problem with warts is the psychological impact as it is linked to various issues such as a low self image, bad self esteem, low confidence levels, and so on. That is really reason enough to want to deal with this problem as soon as possible!

Say Bye To Skin tags!

skin tag

How To Get Rid Of Skin Tags – Say Bye-Bye To Skin tags!

All those cursed with the blemished life of skin tags probably wonders how to get rid of skin tags. But again such solutions definitely do not come easy or cheap. So I am writing for those who are in the same boat of skin tag sufferers and are clueless of what is to be done or how to go about get rid of skin tags processes. Some simple steps on how to get rid of skin tags are given below So read on.

Nature – the right way to get rid of skin tags

So true, nature never seems to disappoint us and always have its own way of dealing and healing things. So here are the simple steps of how to getting rid of skin tags the natural way. First I would like to bring to focus some of the beautician products available in the maket:

Halt! The beautician products first!

• H- skin tags – these products are available in some beauty parlours or other shops selling such products. They are highly concentrated stuffs with some chemical contents. Consulting a doctor is a must before using any of such products. If you pick products randomly then you can get allergies and rashes. To prevent such occurrences prior consultation is a must. This product otherwise is quite reliable as it was voted the number 1 skin tag removal product of the year 2010.
• Derma trend skin tag, mole and wart remover have also made quite a mark in the field and much positive reviews are there to back their usage. If one is lucky then it is said that one time application is sufficient of getting rid of skin tags. Again consulting the doctor is of utmost importance and takes precedence against anything here.

5 steps on how to get rid of skin tags naturally!

• Aloe vera extracts works wonders as a natural element that can be used to get rid of skin tags. It is a natural product extracted from the plant itself and when applied on the affected area the tags just disappear. It should be applied persistently over a certain period of time and may take even months. After that it’s a promise that they will never make a comeback.
• Castor oil baking powder paste is another of the unfailing “how to get rid of skin tags” remedies. Also the vegetable oil extracted from castor seeds are equally beneficial for the skin for getting rid of skin tags. Applied for over a period few nights before going to bed the oil seeds also works wonders.
• Wondering other ways of getting rid of skin tags? Dermicil extracts obtained from a combination of three plants results in effective treatment of the skin tags provided one applies daily to get rid of skin tags.
• Another natural getting rid of skin tags idea is to use tea tree oil which is a common treatment applicable to any skin disease is most applicable for removing skin tags and many specialists will nod in favour of this last statement.
• Apple cidar vinegar solution is a must if one is definite about using natural products with guaranteed results. The salicylic acid is the ingredient that makes it a trusted skin tag removal therapy.

Costly remedies to get rid of skin tags

Well this part can be overlooked by those unwilling to indulge in costly affairs. Let’s focus on some of the other methods.
• Getting the skin tags operated to get the blemish less skin is a good but costly option. Yet much opted for, for reasons that it promises never to reappear again. One time pain gives a lifetime of gain!
• Laser therapy which involves immunising the affected parts can be another good option.

Unsatisfied still?

For those still not able to satiate their minds here is an honest opinion. If you want to avail readily available home-made therapies like garlic therapy and others and also those will to explore the minds of some experts and see what te have got to say on these issues consult the website

HGH for sale

hgh for sale

HGH for sale

If you’re looking for HGH for sale, you’re not alone. Human Growth Hormone, which is the full name of the product, is seen as a modern day fountain of youth. HGH is an exogenous hormone that has become extremely popular for those who seek to obtain a more youthful looking appearance, enhance their performance at the gym, boost their energy levels and increase muscle growth.

Contrary to popular belief, HGH is not a steroid product. It is, however, an anabolic supplement, but in fact, the food we consume on a daily basis is anabolic and our bodies produce HGH naturally through our pituitary gland. In other words, we already have it naturally in our bodies, but using an HGH supplement product can help us increase all those positive effects that we would otherwise struggle more to obtain.

HGH can be taken in several different forms. Athletes often prefer to get hgh injectections directly into their muscles while others prefer pills or an HGH spray. The former is the most effective method, but pills and spray can be found in regular nutrition stores.

So how does HGH work?

As mentioned, this hormone can be found naturally in our bodies. When increasing the amount by taking a dose of synthetic HGH, there are a number of positive effects such as cell growth and regeneration (which promotes a more youthful appearance), increase of muscle mass and bone density. Due to these positive effects, scientists have been extracting growth hormone from cadavers since the 1950’s but did not succeed to synthesise it until 1981. Once it was successfully produced, growth products as a supplement quickly started becoming popular. HGH can be used both in people with physical conditions such as deficiencies in their growth mechanisms and in people who seek to improve their normal physical capabilities.

Although HGH is one of the safest hormones to use, there are a few side effects one should be aware of; for example joint pain, headaches, nausea, dizziness and more. It is also important to use the correct dosage which normally ranges from 1-4iu, depending on body weight, gender and which purpose the product is used for. It is important to always consult a physician who can give you advice regarding suitability and dosage before taking this hormone. It is especially important to be careful when combining the hormone with other performance enhancers such as testosterone and anabolic steroids. Although such a combination can bring good results depending on your goals, it is important to know how they work together.