Benefits and Disadvantages of Critical Illness Insurance

Critically illness insurance is a relatively new type of policy that is often misunderstood. Today we will clarify what it is and what it is.

How does critical illness work?

Critical illness is similar to life insurance for the concept unless it is paid if the disease covered by the policy is diagnosed and not paid to death. Some, however, confuse this type of insurances with invalidity insurance, which replaces their income if they become disadvantaged.

Sickness insurance, like term life insurance, lends a lump sum if pre-defined disease, such as cancer. You decide that this amount will be used – some will use additional medical treatment (especially if there are treatment methods not covered by provincial health care), others decide to spend time with family or travel.

Like many insurance products, this type of insurance plan is covered by an extensive insurance offer, application and subscription process that is insured by the insurer prior to obtaining a policy; And like any insurance policy, critical illness policy involves both arguments and disadvantages.

Let's take a closer look at the benefits and disadvantages of this type of insurance

Critical Illness Profi Insurance

There are a number of positive aspects:

  1. Funds that Help When Needed: If you diagnose lump sums in a critical illness, you may, in some cases, get better treatment and hopefully complete healing. These funds can be spent on other needs or projects (for example, a trip or item from the bucket list).
  2. Protecting Your Own Business: If you own a business, you must work part time after diagnosing a critical illness (reduced work time is common if you need extensive medical attention). It stops the financial gap caused by reduced hours in the company. With funds, you can hire someone who can help with your business.
  3. Stackable protection: Contrary to disability insurance, the coverage of critical illness is "stackable". With disability insurance coverage is limited because it is based on your income and you can not even exceed this limit if you have more disability policies. However, you have a policy that has different diseases. For example, if you have two benefits of $ 250,000 and $ 300,000, you will receive a $ 550,000 payout when you make a claim.

Disadvantages of Critical Illness Insurance

  1. Expensive: This type of insurance is not cheap. For example, a 10-year insurance policy of $ 500,000 (condition 10 covering a 10-year insurance policy) for a 35-year-old non-smoking man without the prerequisites being about $ 180 / month (exemplary) An annual life insurance policy that covers $ 1,000,000 on the same person costs $ 50.
  2. Definitions are essential:
  3. If a diagnosed disease, such as a heart attack, does not fit into the concept of illness, the claim can not be paid.

  4. Does not Affect You Instantly: Your policy usually comes with a wait time (like 90 days) below which you do not cover it.
  5. Payout is not immediate: If you have been diagnosed with a critical illness, there is a 'survival period' (for example, 30 days). If you die during this period, your claim will not be paid.


Critical disease insurance provides solid coverage because it is diagnosed with unexpectedly serious illness, but this coverage costs. It's a good idea to work with an insurance broker to get a critical illness insurance policy and apply a policy. Brokers can have access to multiple insurance companies and help navigate the complex application process, especially if they have medical prerequisites.

Source by Alexey Saltykov

12 Malaysian Holidays – What Celebrations and Special Occasions Are in Malaysia?

Malaysia is always the country where most holidays are. It is a fact that the number of national holidays is only thirteen days, compared to Thailand, a total of 14 days.

The National Holidays below are in Malaysia: –

1 – New Year's Day

New Year's Day is the first day of the year. This is a celebration except for all states except Johor, Kedah, Kelantan, Perlis and Terengganu

2 – Chinese New Year

Chinese New Year is the most important and longest celebration of Chinese The so-called "Spring Festival". The celebration usually falls between January and February.

3 – Muhammad's Prophet's Birthday

Prophet Muhammad is celebrating his birthday in February. Prophet Muhammad is a respectable icon in the Muslim society. However, some Muslims do not accept birthday celebrations and consider this as a religious innovation.

4 – Workday

On May 1 we celebrate Hari Buru. This day is celebrated as a day of commemoration and recognition of work, workers and trade unions.

5 – Wesak Day

Wesak Day or Buddha birthday is usually celebrated by Buddhists in May. The purpose of the celebration is to bring happiness and joy to the less fortunate. Additionally, devotees serve vegetarian dishes in the temple.

6 – Yang di-Pertuan Agong's birthday

Yang di-Pertuan Agong's birthday is celebrated on the first Saturday of June. In Malaysia, Yang di-Pertuan Agong refers to the king. As part of the celebration, the king respects the outstanding members of the public.

7 – National Day

The "Hari Merdeka" or "Independence Day" on August 31. The national holiday is a celebration free of British colonization. As part of the celebration, various organizations organize parades and performances. Hari Raya Puasa

Hari Raya Puasa is the "Forget and Forgive" festival celebrated by Muslims. On the first day, Muslims wear new clothes and pray in the mosque and visit the tombs of relatives. Then it will be an "open house" to serve all sorts of delicacies.

9 – Deepavali

Deepavali is the "Light Festival" celebrated between October and November by the Hindus. New beginnings are the oil bath rituals to overcome the sins of the past and the bad luck. This is a national holiday except Labuan and Sarawak.

Hari Raya Haji

Hari Raya Haji is an important celebration of Muslims as the Son of memory of Ibrahim's willingness as obedience to God. On this day, domestic animals like cows or goats sacrifice to all families. The meat is distributed equally to the family, relatives, friends and the poor.

11 – Awal Muharram

Awal Muharram is also known as Hijrah, a calendar. This is the time when Prophet Muhammad and Muslims migrated to the city, Madina

12 – Christmas

The birth of Christmas Christ, which Christians celebrate on 25 December each year. At Christmas, Christians wear new clothes for midnight service. On Christmas Day it is time to gather family members. There was also a celebration and a friendly exchange of gifts.

Holidays in Malaysia may sometimes be confusing for some national holidays that are only applied in certain states and the dates of each holiday are not recorded. It may be changing.

Source by CN Pong

Do you know the family functions?

If you take time to understand the family's operation, you can improve the ability to develop and develop harmonious relationships. Then you can enjoy the best of your family's experience in the right place. Effective family communication is needed to build a good and harmonious relationship with all members of the family.

The main features of the family fall into three categories: practical, social and psychological. Before we take more into these three categories, let's take a look at what's in a family:

It's best to be part of a family, a source of great happiness and joy, intimate, rewarding The simplicity of communication, the practical support and the emotional stability net , As well as the feeling of safety and competence

Unfortunately for many people, family relationships are more problematic than pleasurable, frustrating or angry. Interaction is indifference, constant battleground, or even completely retreated.

Most of us may experience our experiences somewhere in these extremes. In different phases of our life, phases pass through which are fulfilling or making it difficult. It may not exist like a "perfect family", but it will increase your insight into how your family can understand.

Practical: The main functions of the family derive from basic survival needs; Its most important goal is to provide a safe and secure environment for child rearing and ensuring that they are nourished, dressed and protected. From a purely economic point of view, it makes sense for people to live in a group, because a lot of living expenses can be shared.

The family provides us with our first experience in the larger world. It is here that children receive guidance that contributes to the moral and ethical understanding and helps to understand the society in which we live. The family is partly responsible for the role and sexual behavior of children (both positive and negative) What it means to be a man or a woman

In addition, we learn how to contribute to a group in a family, how to balance our own needs and Others

The family may become a part of the feeling of stability and security, and it is especially important for children to have such strong frameworks within which they are free to evolve individually. Family life must provide a secure forum to express and explore different feelings and to get acquainted with personal relationships. Also, a good parental help will surely help you build better parent relationships. Last but not least, one of the most important tasks of the family is to make children feel that they love and accept them.

Family and Society:

Society. While no two families are the same:

– Everyone has to act according to his own rules and traditions, managing his needs and personalities if he is a member – they also reflect the society they are involved in. As human beings have created new abilities to adapt to life, family unity has changed their organization. However, each family consists of unique individuals, each having special qualities and talents.

Perhaps the most significant change is the growing acceptance of different families. Although they undoubtedly exert more pressure on the families of staircases and one of their parents, of course they are not the same accomplice stigma as they were. People now know that we can not all create a perfect textbook family, but that does not mean that we can not create a viable, cohesive and psychologically healthy family.

The changing family:

Modern times brought with smaller families. Some consider this to be an advantage as it reduces family ties, resulting in greater individual autonomy and freedom of choice, although it is less positive that people miss a feeling of common history, common goals, and emotional warmth.

Source by Mary Charistica

Holiday Benefits in Your Country

Should you choose a holiday, will you be in your own country or in another country? Of course, there are many attractions for those looking for a holiday abroad, for another culture, for different landscapes and lifestyle experiences. But in other ways you can enjoy your vacation in your own country. Many of us have forgotten or accepted the attractiveness of our own country as self-evident. Sometimes a foreign visitor knows more about these attractions.

Staycation is a new word that has been used recently. Staycation is a vacation spent in your home or short trips from home to attractions, parks, and nearby towns.

So why not consider the following points for a great stop:

1. New Age can explore young people's young places. Share your childhood holiday memories with your children.

2. You can take a few short breaks like weekend breaks to the countryside, theater breaks, adventures, or spa breaks.

3. Visit the tourist office and visit new places to visit. Sometimes, if you are in our own country, we are happy to try out new things or map new places.

4. Talk about long walks in the countryside, discover hidden gems; It's a landscape you do not know about.

5. Traveling with family is less embarrassing. There are not many packages for packaging and no worries about the food.

6. As you know individual customs, language and lifestyle, all you have to do is relax and admire your country and history.

7. This is also a good time to visit the places you always want to visit.

8. Instead of going to overseas leisure parks, why not explore your holiday parks? You would be surprised to offer the same adventures at a lower price.

9. Go on a camping holiday if you are more comfortable with your equipment such as tents, cooking utensils, bicycles and trekking boots when camping in your country

10. Find a new hobby or Release your interest. Go fishing leave in authorized nature conservation areas, boating and skiing on the beach, or a golf course on the golf course.

The internet is a good place to find "Staycation" offers. Observe local bids; These businesses still need their habit. Continue, it's time to re-discover your country and light.

Source by Jennifer Lim

The Simple Guide to Become A Formal Representative

Over the years, this kind of work has become popular since an increasing number of tourists are having more and more holidays every year. This has created demand for vacation reps, and tour operators are constantly looking for new staff each year. The peak time of the vacation channel rental is from September to March, so you can train rapids on time in summer. Although the applications are sometimes accepted until June or July.

Below is a list of tips and advice on the role of vacationer reps:

The holidaymaker is the person who cares for all types of tourists. Become a vacation representative for people who are self-confident with people living in all areas of life.

Airport Tasks: These are: gathering tourists at the airport and accommodating them or hotels, and vice versa when tourists have completed the holidays and are getting home. This is also part of the duty of the representative to handle any possible grievances and address any difficulties.

Hiking and other related products, such as car rental, sun cream, phone card sales while making extra money As rep.

Organize and participate in various activities for tourists. This can be anything from activities, which shows that guests are crawling in the pubs / clubs.

The office is responsible for meeting all office tasks. It is here that a member collects and completes paperwork, visits holiday resorts, and raises all relevant issues or problems.

The holidaymaker has all the advantages and disadvantages:

Working in a warm climate and meeting new people every day

Working in a foreign country

Working with tourists / buyers and different living conditions from different countries

Longer stay at the first hotel [approximately more than 8 months] with a limited opportunity to return home during this period (usually only when the occasion arises and exceptional

Long working time

You may be working on weekends and public holidays

Limited personal holidays during the season

[1] From the age Starting 19459002

This usually starts at 18, and in certain positions It can be 21 years and there is no exact maximum.

Higher education studies and diplomas in tourism are also beneficial.

You do not need to graduate for this role, but if it's related to tourism, this can help with your application.

[3] Work Experience –

If you have any sales experience, this can help you in your application to become a vacationer. Sales experiences help to develop customer service, which is key to your role as a vacationer. So if you worked in a shop, cafe or travel agency, this is the kind of work experience your holiday companies are looking for. The role of childrens play will be one of your requirements in this area and some tour operators will experience at least 12 months of experience.

[4] Training –

Individual Tour Operators provide their own training, which lasts on average 2-3 weeks. They differ in the content of the courses, but include all the features and functions of the holidaymaker. After the training, usually one-time training is under the guidance of senior holidaymakers.

These are a few simple steps to become a holidaymaker.

Source by Nick R

Differences between Traditional Family and Modern Families

Women should be awake early to make breakfast in their families. On the other hand, we do not see this event in modern families. Women can wake up at the same time with their husband and do nothing. This is an example of distinguishing between traditional families and modern families in my country. I think there are many differences, but I will only face three big differences, the size, family and discipline leader. An important difference is the size of the family. Traditional families are larger than modern families. There are usually more than ten people in the family, while modern families have only three or four people. Traditional families always live with their relatives and have many children, so they are big families. The other reason is their job. Traditional families are farmers. Family members can work on their farms, so they do not rent workers. You can save a lot of money

In contrast, modern families need no one to help their work because they work in the office. They only have one or two children and do not live with our relatives. I think this difference affects modern families because they do not know their relatives as traditional families. They only meet with special occasions, such as birthdays and New Year.

For example, children are not used to their grandparents because they meet only a few times a year. They will not respect them as much as they should. I think it is an aggressive problem in our societies because they do not know how to estimate or sympathize the elderly. Children do not obey or help them when they grow up. For example, teenagers do not obey their teachers as they are small children or they do not give room to the elderly when they see them in the subway.

Another difference between traditional families and modern families is family. Men are always the leader of the traditional family. Women usually take care of children at home, while men work outside. Women and children need to listen and follow when people tell them. Men have the power to order their family members to do their best, even if they do not like it. For example, fathers can choose a husband for their daughters. It is not a good idea that women and children must always believe the command, so they have now turned into modern families. Modern families do not have the family leader as women and men Equals Women and men are working outside. They share ideas with each other. Women and children do not obey the mandates of men if they believe the commands are incorrect. Women and children can decide for themselves. For example, women are working outside the way men do. When the women come home they do not do a house alone because men have to help them together. I think this is a positive change in our society.

The last difference is discipline. Traditional families have many rules that directly affect their children. I think parents of traditional families are always strict because they have a lot of children who take care of them. Women only care for children at home, so they need a lot of rules to check them out. On the other hand, modern families have little control over their children. Modern families are working outside their parents. They do not have enough time to take care of their children so they do not have time to make the rules. They always spoil them. They hire someone to take care of their children while they work outside. This difference really has an impact on modern families because their children always raise problems to raise their parents' attention. For example, kids do not go to school because they want their parents to ask them why they do this. They want their parents to talk to them. This article showed three distinctions between traditional families and modern families in my country.

I think these differences are a kind of development of the family system from the past until now, for example, for the care of children and their lives. When societies change, families are changing. Both good and bad things are changing. People should only choose good things in their family because families are important.

Source by Praphansak Imporn

Haller Park Nature Trail: Greatest Rehabilitation Success Story

Haller Park Nature Trail is probably one of the biggest success stories in the world of rehabilitation. Bamburi Cement factory is located in the south near the Mombasa Malindi highway, a project to rehabilitate the desert, after the area has become a year of mining. With the support of Bamburi Portland Cement Company, Rene Haller (who has a park named after him) got a job in a seemingly impossible task 1971.

was the first order of business that in some way … any of the plants that grow in barren land . After a long search the huge quarry, we managed to find the Casuarina equisetifolia limestone that will survive the desert lacked humus and the intense tropical heat. After months of trial and error, success and growth of the species, introduced Haller and seedlings afforestation project.

have completed the forest ecosystem introducing fungi and termites and ants. Termites feeding on dead wood, while the ants feast of mealy bug and aphids attacked vegetation.

No one stops there, Haller lakes were dug out of the bulldozers and introduced tilapia fish. Following the successful survival of other species integrated into the ecosystem. The result is a lush spread of absolute beauty.

But as in all other things, challenges arise every project. Over time, it turned out that the fish does not do any good. After research and consultation, Haller learned that a hippo could solve this problem. You see a hippopotamus disperse the feces and urine of the ponds, which restore the nutrients in the water plankton flourish. This in turn means more food for fish. The hippo is in constant motion walking, playing and rafting, lake sediments and prevents the buildup of toxic gases.

This is the famous "Sally" the hippo was living in the park. He later joined the "potty" a male hippo. There was also the "Baobab Farm" that has sheep, goats, chicken and beef. The growing population of animals and plants, have increased the demand "dustbins" so to speak. So were crocodiles in the park, as the waste is fed to the fish pond and the carcasses "Baobab Farm".

Over time was the introduction of the different species of plants and animals. A walk on the nature trail shows the turtles among some as old as 100 years, giraffes, buffalo, Elands Oryx, monkeys, a range of about 160 species of birds, among others.

Haller Park is the home of the famous Owen and Mzee. It all started at a time when a hippo Owen was orphaned in the 2004 tsunami. He rescued and brought Haller Park, which was adopted by Mzee, 130-year-old turtle. They developed a close bond that has stirred a storm. It spawned a series of children's books, a website and a blog.

The path also leads to the butterfly pavilion, which was started in 1998. It is a part of the rehabilitation process to save the butterflies will shift deforestation. The pavilion boasts 16 different species of butterflies and butterfly breeding house. All animals in the park this thriving ecosystem plays a role.

to get a chance to enjoy the delicacies baobab Farm and the crocodile farm, which extend steak crocodiles, antelopes, or ostrich and Bamburi tilapia. The Haller Park Nature Trail is the perfect place for the whole family bonding and educational reasons. the trees and spread

The vegetation and create the aura of peace and tranquility. A trip to Mombasa would not be complete without a visit to the spectacular sanctuary. This not only leave you awestruck Nature Trail and relaxed while enjoying the scenery and the animals, you can also remind you that all is not lost on the planet. Not to give up saving the mother earth and this park is a proof of this.

Source by Njambi Mungai

Canada Holidays – Located in the Beautiful Retreat

north of America, Canada, a popular holiday destination for many tourists, with its glowing glaciers, Niagara Falls, parks, beautiful lakes, lively rivers and the coast, affecting Pacific ocean and the Atlantic ocean. Families can enjoy visiting the big cosmopolitan cities like Toronto and enjoy adventurous sports are excellent Canadian holiday.

Rocky Mountain Rail

Rocky Mountain Rail's unique train experience. The train service, which includes passengers on the Toronto Jasper Winnipeg to Saskatoon. You can also enjoy the services of Vancouver Banff and Calgary. Canadian tourist and holiday visitors and their experience should include this in their list of things to do. The sight offered in this rail trip relaxing and a great way to Canada. Some of the famous tourist spots in the city and offered tours in Banff Yoho National Park, a stay at the Fairmont Chateau Lake Louise, Calgary Tower Observation Deck and Vancouver Harbor Center. The Okanagan Wine Tour

Okanagan Valley is one of Canada's most popular tourist attractions most tourists and visitors love to capture outstanding wineries. The valley presents a great wines and a remarkable British Columbian flavor. The dry climate and terraced landscape of this valley makes it worth visiting tourist attraction when on vacation in Canada. With wine tours to see the fine art of wine making and the best season to enjoy the Canadian vineyards in summer.

Whistler Blackcomb

One of the largest ski and snowboard resorts, Whistler Blackcomb is a tourist attraction in a Canadian vacation. Tourist and visitors love winter sports, like skiing do not miss this great and beautiful ski resort, also known as the heaven for snowboarders and skiers. Spread over an area of ​​8,000 acres, this choice is also a tourist attraction sites of the Winter Olympics in 2010

Carnaval de Québec

Quebec Carnival is a tourist delight of a Canadian vacation. This tourist attraction is often enjoyed the tourists and visitors from all over the world as the celebration With more than 300 shows and activities. Held in a large city in Canada, Quebec, the festival offers highlights like parades, dogsled rides, ice fishing, ice towers, concerts, snow baths, snow sculptures, slides, skating, etc.


one of the oldest cities in Canada, Alberta offers a long list of tourist attractions such as national parks, hiking, skiing, lakes and more. When on vacation in Canada we cherish this popular that more Canadian vacation.


As one of the most popular and stylish cities, Toronto is one of the main attractions. Revolving restaurants, sky towers, fine cuisine and diverse culture and rich historical attractions found in the ethnic and vibrant cities in Canada.

The best time to holiday in Canada

The ideal time for a vacation in Canada during September and October, which is also known as the autumn weather.

Source by Simon D Johnson

Elder Abuse: Signs of this happening

Sometimes it can be difficult to decide what happens, especially if you are an older person can not speak, for example, if a stroke victim. This does not mean that this would happen, though. These signs and symptoms will help families decide whether your loved one a victim of mistreatment.

speak up

In some cases, determining if this situation occurs can be as easy as taking what a loved one says, seriously, no matter how many times complain. If you say that the nurse is too rough, make sure to follow up on those concerns. A nurse inadvertently have done something, but it is also the mistreatment of older people beginning.


A loved one may wind up with unexplained bruises, such as if you accidentally bumps the leg when going to the bathroom. This is understandable. On the other hand, families are encouraged to look at the bruises. Bruises that look the same pattern as a hand or the like fingerprint bruises call for a cause.


If someone in the bed rest, bed sores are easy. If a person did not occur as often as it should be, they wind up with a bed sore. The family may have to discuss this in the nursing home, and you will never have to worry about. On the other hand, if the sores seen with other things, such as bruises and rashes, it can also be a sign of neglect. According to a leading lawyer in the area, most of these cases, starts out as neglect.

Weird explanations

When a person is the victim of ill-treatment, family members often hear explanations that are a bit off. For example, a nurse trying to explain away a bruise on his leg with the first person to hit the wall. Obviously, if a person hit a wall, it would be difficult for a person who can barely walk can do it hard enough to cause a large bruise on his leg before. If this happens more often than not, it's a big red flag and concern.

other kind of

often the only form of elder abuse is not what is happening. According to the lawyer, an expert in the field, this is often the same or a different form, such as financial exploitation, neglect or emotional. For example, a person can not pay bills, they are supposed to, and the staff make you feel as if they are worthless to tell them it did not matter, and that the family does not like them.

Hiring an attorney is the first step to discover that maltreatment occurs and what can be done about it. Families are encouraged to discuss things in a professional lawyer, if you suspect that this is a problem. An attorney can help them tell the truth, because we have more experience in this area, as in most families, and able to recognize the signs and symptoms and help them decide what to do next. This may file a complaint of evidence or the person may simply be moving to another nursing home. Either way, an experienced lawyer will give you some advantages when it comes to handling the situation.

Source by Cameron Gharabiklou

Unique ideas to celebrate New Year's Eve

Last on the eve of the year to say goodbye to all the poor, and take your goodness to create some of the following year. With the New Year just around the corner, reservations, discounts and party systems across sites and hunt for catching the best deal. lost in time

The fast pacing life and busy schedules of our loved ones, why not plan on the eve them and celebrate love and togetherness this year. So here are some creative and interesting ways to the New Year a memorable one.

to capture the lost friends Facebook icons

Create your own unique style of catching up with old friends. Plan your trip at an average close friend or a resort, away from the city. If you only plan to trek a wonderful experience climbing mountains with friends. Let this be the year the bonds back and created a new world of friendship, which does not sink.

anchor of the relationship between man and his wife

Let the love flow of warm air in your home. Decorate your home for the evening. Prepare a meal together, watch a romantic movie, play your favorite video game and go on a long car or on foot. We spent these beautiful moments together and create a gallery of golden memories.

Bring back the romance and fun in your life this New Year. Add a little excitement in touch with a few games. Is not that exciting? Let us see how the game works. Create a wish list for the next year and take a pledge to fulfill a wish of every month. If the parents of the children to dress up, click on the images to make these children's castle and play special games. To revive the childhood of the child, and enter the new year chirpiness. This is a positive vibes home, and the idea is cost-effective.

special relationship Beautifying screen effects

love and the power of the era of nuclear families eludes a common family. This is the time to tie up those loose threads, and as one. Call your relatives will call for months saw their own priorities and invite them to a picnic. Let all nuclear families come with their own tastes and update their taste buds to remember how it was in childhood. Stay away from phones and Facebook, play the old style, dance, tell / show the images of nostalgic flashbacks and swirl realized how different branches grew even led the interconnection of all of us to a root, ie, the family tree. One of the family, and plans to offer special meetings, Skype conversations to maintain the feeling of unity and this time forever.

Make your New Year's special and different. Fill the love, togetherness and happiness, which tracks the whole year to feel special and loved.

Source by Aman Tumukur Khanna