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.

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.




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.

Effective Genital Wart Remover

wart mole vanish remover

Finding An Effective Genital Wart Remover

Genital warts are caused by the human papillomavirus or HPV. This highly contagious virus is normally spread through sexual contact and carriers of the HPV may not even know they have it until the manifestation of warts appears.

If you have been diagnosed with genital warts, you will no doubt want to find an effective genital wart remover that will leave no scars and get rid of the ugly warts around your genital area. Whether you are a man or a woman, having to look at unsightly genital warts along with the embarrassment and fear that someone else will see them can be a real concern. That is why there are plenty of effective genital wart removers that you can find available on the market.

What Kinds of Effective Genital Wart Removers are Available?

Finding an effective genital wart remover may be more difficult than you had imagined. It is not for lack of products; there are plenty of those out there. Many make extravagant claims about ridding you of your genital warts permanently and without leaving scarring. You know that even if a product swears to help you it is not always true.

You can do your research on the internet and read up on the different effective wart removers. You can find products that are highly recommended by members of the medical community. If you find an ad that uses a doctor or other medical professional as a spokesperson, you can feel assured that it will be an effective genital wart remover.

One therapy that is a very effective genital wart remover is laser removal. This treatment, it may be more expensive than other treatments that you have researched but it is a proven effective genital wart remover and usually is painless for the person undergoing this treatment.

There are many creams that claim they will be an effective wart removal treatment. Before you invest lots of money in buying creams lotions and wart removers, speak to your health care professional to see what advice they have for you concerning an effective genital wart remover. They should be up on the latest in medical research and can put you on the path to finding an inexpensive yet effective wart remover.

You can also browse in your local health food store or visit alternative therapy websites that can lead you to a natural yet effective genital wart remover. Many times these remedies are easy on your system and can be gentler on your skin.

The effective wart remover treatment that is best suited to your individual case has a lot to do with the severity of your case. It is therefore recommended that rather than trying over the counter treatments that you seek out the advise of a specialist who will help you decide which form of treatment is best for you.

Leeds Lettings Acgency

Buy to let properties

Contact Letting Agents Leeds For Best Services

All the landlords who are letting homes for the first time or vexed dealing with other letting agents can surely find Lettings agents Leeds as the best option. The Lettings agents Leeds offer professional and friendly services to the landlords relieving them from the stress of maintaining a property. They can just enjoy the monthly rental amounts while the rest is handled by the letting agents. The letting agents’ offer two types of services like the let only services and fully managed services. If the landlord chooses to let only services they shall take up the responsibility of evaluating the property rental value, advertising the property in different media, shortlisting prospective tenant applications, accompanying tenants for a personal view of the property and finally entering into a tenancy agreement on behalf of the landlords. In the fully managed services the letting agents shall take additional responsibility along with the above services like regular inspection and maintenance of the property, organizing repairs, obligations with the tenants, legal action in case of tenant’s rental arrears or breach of the agreement and also re-letting the property for the landlords to enjoy monthly rentals without any break.

The Lettings agents Morley also help landlords in presenting their property in the best manner to stay in the competitive letting market. They do advise the landlords about the colors of the property, maintenance of gardens or common areas, installing contemporary furnishings, keeping the property spic and span with no grouting issues and also using gas central heating and double glazing that would attract prospective tenants to rent the property. The Lettings agents Leeds also offer guaranteed rent program to the landlords where they lease the property from the owners and sublet the property. Whether the property is occupied or not in the stipulated time the landlords are paid their rents which ensure a steady income for them without the necessity to worry about the occupancy rate. Their landlord fees for letting the only service or fully managed service is quite competitive when compared to other letting agents in the market.

Tenants can also approach Lettings agents Leeds for best services. The agents help the tenants find the best property within their budget and specifications. They help students and self-employed to get the best deals in market and maintain a balance to ensure both the landlord and the tenants interests are met in the tenancy agreement.they have their own team to deal with emergencies. They don’t want to get a bad reputation or get hauled into court. So, they will ensure that there is no breach of contract and everyone is protected. In certain cases, the laws are pretty vague. So, it’s best to use lettings agents as they know how to draw up contracts.

Scrap Car Removal Services

we buy scrap-car harrogate

The staff behind Yorkshire Scrap Car Removal have years of experience in the field of salvaged vehicles. That experience and knowledge led to the creation of Yorkshire Scrap Car Removal, a service designed to help busy Leeds ( Yorkshire) avoid the usual stress and strain of getting rid of old, decrepit, broken down or just plain scrap automobiles. Our goal is to provide our customers throughout the five boroughs with fast and easy removal of their old cars, no matter which part of the city they are in or what kind of shape their car is in.

With our years of experience and myriad partnerships with service providers, we are able to provide these services to customers in every region and neighbourhood of Yorkshire.

Leeds Scrap Car Removal has a few simple goals. We strive to provide prompt removal and friendly customer service while paying top dollar for every scrap car we tow away. We do this by utilising long standing relationships with local towing companies and salvage yards, so that each and every customer not only gets a fair amount for their automobile, but also the peace of mind that comes with knowing it has been properly transported and disposed of. In addition to looking out for our customers, we also make it a point to look out for the environment. It is practices like these that have kept us in business for so many years nationwide, as well as here in Leeds City.

We recognise that owning a Scrap car a burden. Often, the car has already been a money pit for years, costing thousands in upkeep, registration, insurance and fuel costs. So why should getting rid of it be added difficulty and expense? It is this philosophy that has guided our service, and our goals to provide prompt service and the best payouts possible. After years of working in this industry – as well as owning plenty of cars ourselves – we understand the need for a pleasant, professional and painless car removal experience. That is why we do what we do.

We buy Scrap Cars in Harrogate, and all areas of Yorkshire

Give us a call today and let us put out skills and experience to work for you right away.