Factors That Affect Life Insurance Coverage

November 2, 2016

Factors That Affect Life Insurance Coverage
Life insurance policy is the best way to overcome from unexpected risk factor in the future and it will protect you financially. Even a slightly lower premium can lead to major savings for the future.

The premium rate on life insurance policy mainly depends on a variety of factors. But for many people insurance concept is difficult to understand and it leads to many misconceptions. To avoid such misconceptions and confusions there are few factors that needs to be considered while opting for the life insurance policy and to determine the premium rates.

Here are the most common factors that affect life insurance coverage in determining the premium rates and risk coverage.

Age of the Policy Holder
It is the number one factor that needs to be considered in the life insurance coverage. If you are younger, then chances are more to pay premium rates for years and rates will be lesser. That’s why it is always recommended to buy insurance policy at young age. It doesn’t mean that you have to buy insurance policy in your college life, it is better to buy when you’re financially stable.

Gender of the Client
Gender is another significant factor need to be considered when evaluating the average life expectancy. In fact on average women are likely to live longer than men so women pay slightly less premium rates for longer years.

Medical Test
This factor is important in the underwriting process. Medical test mainly include height, weight, cholesterol, blood pressure and other key metrics. So purchase life insurance policy before searching for coverage to ensure competitive rates. Few insurance companies do offer policy without any medical test, but they cost higher premium rates.
Genetic History of the Family
The insurance advisor generally asks about the genetic history of the family and details about the family members those susceptible to genetic disease like diabetes, heart problems, etc. If this is the case then you have to pay the higher premium rates as you carry the genetic diseases.

Profession Plays an Important Role
If your profession is risky or challenging then chances are more to pay the higher premium rates. If your job is considered has a risky profession then you may be denied to get all benefits from your insurance policy. For instance: many insurance companies charge more if your occupation is relatively dangerous such as mining, drivers, steel engineers and many more.

Driving Record
This factor seems to be surprising, but many insurance companies keep track of policy holder driving record during the underwriting process. They will access for the department of motor vehicles records to find out any issues that you’ve run afoul of the traffic rules. So if you maintain clear records in the motor vehicle department then you will be benefitted by more favorable price.
The above mentioned factors will significantly affect on life insurance coverage and insurer should minimize the premium rates by minimizing the risk factors. However, it is always advisable to compare different company policies before buying the life insurance policy.

Betty Boop – The Character, The History

March 19, 2017

Origins of Betty Boop

Betty Boop first was first sketched around 1923 as a dog, a French poodle to be exact. This however was not particularly popular and she was brought to life in her now famous style on our screens in the 1930’s, The first few appearances saw Betty maintain her floppy poodle ears. Her first appearance in Dizzy Dishes saw her basic outline but maintained those big floppy ears. A mixture of human and poodle! Her floppy ears were soon changed to hoop earrings in her first totally human appearance in the film ‘Any Rags’. Her black poodle nose had changed to a girls button-like nose & her voice had been refined to a very girly tone with a distinctive Brooklyn accent. Betty as we know and love her today was born.

Popularity of First Releases

Betty Boop was known as the first and probably the most famous sex symbol of the animated screen. She wore short dresses, high heels and a garter belt. She was drawn with a rather girlish quality. Her head was bigger than normal for an adult but normal for a baby! The animators frequently added a gust of wind that saw Betty’s skirt ride up. The audiences loved it. The first three years of her appearances were said to be her best mainly due to her Jazz Baby character and her innocent sexuality, her audience was mainly adults.

Changes For Betty

Things changed for Betty as time went on. Pressure was put on by moralists that insisted that Betty was too revealing and overtly sexy. The animators bowed to this pressure and Betty now began to appear in a fuller or longer skirt and was portrayed as a career girl or husband-less housewife. Betty teamed up with her faithful cute Poodle ‘Pudgy’ in the film ‘Little Pal’ (1934). The following year saw the introduction of ‘Grampy’ in the film ‘Betty Boop and Grampy’ (1935).

Betty Boop Cartoon – The Demise

The later cartoons were a lot tamer than the first releases and were targeted toward a more juvenile audience. This was to be the downfall of the Betty Boop cartoon. During the last few filming’s, her character appeared less and less giving more screen time to her co-stars. The last cartoons were released in 1939 and whilst an attempt was made to revive her and bring her into the swing era, her final cartoon in 1939 – ‘Yip Yip Yippy’ was actually a ‘Boop-Less’ cartoon.

Appeal of Betty Boop Today

Nowadays, Betty Boop is going strong through merchandising products such as figurines, gifts, etc. Her timeless appeal has spawned collectors around the world with clubs and associations in virtually every country on the globe. Collectors of Betty Boop Figurines seek out their favourite figurine and some have huge collections. Her appeal is enduring and long may it last. Boop-oop-a-doop!

Business Insurance For Small Companies

November 2, 2016

Insurance policy is one of the most important parts of a business. Business description details included varies from one insurer to the other. There are plenty of reasons why business insurance services can be beneficial for the company. An online business insurance provider offers a comparison data. Below are stated the reasons why you must consider services from business insurance companies that will compare with other insurance providers in the area and offer real value with the company you choose.

Comparison Data Offered by Business Insurance Service:

When it comes to comparing the different types of insurance, you will need to find a company that does comparison data. They work as an independent insurance broker and help you connect with some of the better deals in market. If you are aiming at the best insurance policy, you need to have a comparative analysis that service providers offer.

Independent Brokers are not Associated with Any Company:
Part of the benefit while you go to an independent broker lies in the fact that they are not attached to any particular company. Individual brokers offer services based on your needs. They won’t force you with any particular company because they are associated with them. A broker can compare the different available companies and point to the right direction on the basis of what is right for your organization.

Business Insurance is a Must for all Companies:

Protecting your assets as well as businesses is vitally essential these days. Getting business insurance is one of the first things that should be in your mind while you are opening a company. Businesses today have realized importance of getting insurance. The insurances can protect people and employees that are working with you.

Online Business Insurance Companies Offer you Help Online:

Business insurance provider with an online website helps you get online quotes. You can sign up free and begin with free consultations online. This is one of the best ways to get started and look for the different insurance options available for you. You need not pay any money to use the insurance broker, they assist you to sign up for insurance as they are paid commission form the insurance companies.

Business insurance is not only about covering the ideas and creativity. It is about covering financial assets and employees, as discussed above that can get toppled by calamities. For example, you would want to have commercial insurance, if you have cars and are using them for making deliveries. You may end up losing a lot of property, if the automobile meets with an accident or incurs any sorts of damages. You can go bankrupt as the creditors and bills start piling up.

There are plenty of variables that you can count for in today’s busy world, however; when it comes to the insurance policies, you need to ensure you have the right coverage for all problems.

Japanese Glossary For Image Board Users

March 19, 2017

Image boards have become a popular web pastime in recent years. If you’ve been to places like 4chan, 7chan, and the like, you’ve seen a unique culture that mixes illustrated and photographic art from both Western and Japanese culture. After you browse these places for awhile, it starts to become apparent that Japanese and English are mixed together so much, you need a foot in each culture to understand what’s going on.

So here’s a guide to the most common Japanese words you’ll find in the world of image boards. Keep in mind that these places are inhabited mostly by anime, manga, and video game fans, so most of the terms have to do with this culture.

anime – Japanese animation. All animated cartoons originating in Japan.

baka – A fool, or art representing foolishness. Disney’s character Goofy would be considered baka.

bancho – A delinquent or rebellious boy.

bara – A gay man, or art appealing to or depicting gay men.

bishojo – A beautiful young woman, older than adolescence but younger than university age.

bukkake – A fetish for messy sex, and art depicting this fetish.

burikko – An adult pretending to be a child. Features in art depicting age-play.

-chan – A suffix meaning “relating to;” also a Japanese honorific.

chibi – A short, small person or a very young child. Also a specific anime/manga drawing style, making a character appear dwarfish or distorted. Western cartoon elves might be considered chibi.

cosplay – The activity of dressing up as a favorite character from anime/mange. Frequently done at comic book conventions and other fan events.

desu – A short Japanese word that links a noun and verb, literally translated as “it is.” Image boards have taken this as a meme, often repeating “desu desu desu,” for various reasons, including to tease the newbies or stubbornly persist in an argument.

doujinshi – Self-published work. The equivalent of desktop self-publishing for manga.

ecchi – The generic term for sexual material.

futanari – Hermaphrodites, or art depicting hermaphrodites. Half-male-half-female.

gaiden – Side or supplemental material. In image boards, gaiden would be some four-panel cartoons of manga characters, depicting events that don’t count in the manga itself. A side-story or spin-off.

guro – Very gross pornography depicting extreme injuries, mutilation, or death. The manga equivalent of “snuff porn.”

hentai – Erotic bondage manga. Most erotic Japanese illustrative material falls into this category.

hikikomori – An otaku taken to the next level: a loner and outsider whose only interest is anime/manga fandom. The equivalent of a Western “basement geek,” only suggesting a neurotic, unhealthy degree of both obsession and isolation.

itasha – The subculture of decorating a vehicle with decals of manga/anime characters.

josei – A manga genre appealing to adult women. The equivalent of Western soap-operas.

kaitou – A mysterious. elusive thief. Also someone with phantom-like aspects. A stealthy person who lives in the shadows. The equivalent of Western rogue or hobbit.

katana – A Japanese sword. About 99% of the time when you see ninjas and samurai with swords, they’re shown wielding katanas.

kawaii – Meeting the Japanese standard for “cute.”

kawaiiko – A cute child.

kei – Originally a sculpture style used to depict Buddha. As opposed to the more familiar (to the West) vision of Buddha as a jolly, laughing fellow, Japanese Buddhas are slim and serious.

lolicon – A slang term shared between Japanese and Western culture, for the preference for child-like depictions of women.

manga – Japanese comic books. All graphic, printed media of a cartoon nature originating in Japan.

mangaka – A manga creator. Japanese for “cartoonist.”

manzai – A style of humor involving a comedic duo of one “straight man” and one “funny man.” In Western culture, Abbot and Costello would be considered manzai.

mecha – Anime or manga involving large, armored, warrior robots, usually piloted by a human inside.

meganekko – The attraction to girls who wear glasses. Anime or manga depicting “geeky” girls.

miko – A female temple attendant. The equivalent to a Western nun.

moe – A slang term for a fan of anime or manga, or the attraction to anime and manga characters.

neko – A kitten or a cat, especially when shown as being cute. Also applies to describe a woman in a cat costume, or half-human-half-cats.

oekaki – Scribbling and doodling. Amateur art by fans.

ojou – A high-class or wealthy woman.

omorashi – A fetish for urination. The equivalent of Western “water sports.”

oni – A demon or evil spirit.

oranyan – A male who is by turns aggressive and aloof, and sweet and charming.

otaku – A very strong fan of manga, anime, or video games. More serious than moe, not as serious as hikikomori.

pokemon – The most famous anime/ manga/ video game franchise in Japan.

sakura – A cherry blossom. A very common artistic theme in Japan.

seinen – A manga genre appealing to adult men. The male equivalent of josei.

sensei – A teacher or master.

sentai – Japanese superheros. Also refers to military heros; in the West, Hercules and G.I. Joe would both fall under the category of sentai.

shibari – Japanese bondage, involving rope bondage raised to an intricate and specialized art form.

shinigami – A Japanese angel of death, in mythology. The equivalent of the Western “grim reaper,” although shinigami are a whole class of entities and not just one.

shojo – A manga genre appealing to young women and girls. The younger equivalent of josei.

shonen – A manga genre appealing to young men and boys. Usually action and adventure stories.

shotacon – The Japanese version of “boy’s love,” the depiction of young boys in an erotic context. The male version of lolicon.

sukeban – A delinquent or rebellious girl.

tan – A suffix meaning a character used as a mascot for a product. For instance, characters used to represent different computer operating systems are “OS-tans.”

tsundere – A female who is by turns aggressive and aloof, and sweet and charming.

yakuza – Japanese gangs and gangsters. Organized crime. The equivalent of Western Mafia.

yandere – A psychotic stalker. A genre of Japanese manga/anime depicting shy, quiet people who become smitten to the point of obsession with someone, eventually turning violent and abusive, maybe even murderous.

yaoi – Japanese manga/anime depicting male homosexuals but intended for females. In the West, if you made fiction especially for “fag hags,” it would be called yaoi.

yuri – A lesbian, or art appealing to or depicting gay women.

Child Prostitution

March 19, 2017

Prostitution is an act of sleeping or having sex with persons of the opposite gender for money or for other worldly gains. It is an age-old act with its origin dating as far back as the medieval ages. It is difficult to single out a person and epitomize them for their prostitution mannerism as the first to indulge in this damaging trade.

Going down history, the very first traces of prostitution was recorded in the town of Sodom and Gomorrah (Gen. 19) and much later in Nineveh (Jonah 1).

It remains a menace that has continued to plague most, if not all, countries of the world.

Statistics show that the level of prostitution is higher in under-developed countries than it is in the developed ones. In countries like the USA, 85% of the prostitutes that wander the streets are mainly immigrants who are unable to secure legitimate means of livelihood. Italy records the highest number of prostitutes who are call girls, exotic dancers or nude waitresses. Records also show that the illegal immigrants top the chart.

The worst kind of prostitution that is ravaging our society and eating deep into the fabric of our sanity is the ‘child prostitution’.

Child prostitution in our community is a sorry sight to behold. It is horrible to know the number of children who find themselves in this abysmal world of destruction.

Under-aged children on a daily basis inadvertently or consciously walk down this path of self-destruction and total annihilation. Because of their youthfulness and naivety, they often continue down that road until it is too late to put them in check.

This ungodly trade is the direct vomit of so many ills that have continued to surface in our country, society, community, neighbourhood and indeed our homes.

It is the product of negativity, captivity, poverty idleness, illiteracy, failed government, injustice, frustration, unawareness, corruption, religious and moral decadence, just to mention some of the reasons

To solve a problem, one needs to first of all come to grips with the said problem, identify the problem, find out the causes of such a problem then tangible and realistic solutions can be proffered.

Our society has in its way harped on this dysfunctional national issue but yet little headway has been made to ameliorate it.

To curb prostitution, the following things have to be done; and done well and fast

(1) Poverty alleviation: A hungry person would do anything to put food in their stomach. Hunger has a way of making people do what they never would do on normal circumstances.

Poverty is the number one factor that is responsible for the unwanted rise in the figure of child prostitution. A child battered by hunger and not able to get a meal from anybody would indulge in a trade that needs no capital at all. The spirit might be resisting it, but the body too weak and too hungry to care a hoot about moral.

With more than half the country’s population living below poverty line, people will do anything not to die of hunger or be an unsuccessful individual.

If poverty is eradicated, completely abolished or reduced greatly, there will be an instant, sharp decline in the number of child prostitutes.

If the government can put food on everyone’s table, then the prostitutes won’t have a reason to continue with the very dangerous trade.

(2) Sex education: Sex is a topic most people shy away from discussing, deem it not necessary or believe it is an immoral act that should be kept sacred. Most people believe that it should be left alone so that every individual at their on time discover what it is like, its gains and pains etc.

Parents and teachers leave out sex in their wards and students the very simple but complex and broad topic.

The neglect of inculcating sex education on our youth forces them to learn it on their own through the print or electronic media and even through x-rated movies. This lack of prior and direct knowledge by people they can relate with forces them to go into child prostitution as one orgy of sex leads to another until it becomes a continuous trend.

To curb child prostitution therefore, our children need to be taught sex education at home by their parents whom they look up to, by their older and more experienced siblings and also in schools. When they get to understand the details about the whole thing, they will be better equipped to knock out the urge and shield off pressure of any kind.

(3) Idleness: An idle mind, they say, is the devil’s workshop. Someone who is completely idle will be eventually occupied by silly thoughts especially evil and licentious types that will continue hunting the mind and pricking the imagination. With the idleness persisting and the thought reoccurring, there will be no more room for fantasy but reality.

This idle child gradually exposes itself to prostitution that will soon become a part of the person. The child roams the streets vulnerable to all sorts of ills especially the sexually attributed types. They are easily lured to bed by sex-starved and beastly people.

To nip the situation in the bud, such young persons should be kept busy at all times. With busy schedules, the mind aligns with the activity of the day and takes off the menu whatever is irrelevant to the course of the day’s duty.

Provision of recreational tools or little daily job will go a long way in reducing the high level of child prostitution.

(4) Education: Educate a child and you would have educated a nation. Education plays a very important role in every individual’s life for besides inculcating the Western education it also instills norms and moral and also allows for proper mingling with peers and other people from different religious, cultural and racial background.

In our society we are plagued by child prostitution largely because we are still behind the developed world in terms of education. Most of our youth sit at home when their mates are in school. Because they fail to get the education the rightfully deserve, they end up ignorantly embarking on prostitution without really knowing the harm they are doing themselves.

To help eradicate child prostitution, the government, parents and guardians must do everything within their power to educate the child.

(5) Empowerment: This simply means helping someone become less dependent. A dependent person is a tool of art in the hands of anybody so long as they can meet the individual’s needs and wants.

If the youth is empowered and thereby becomes independent, child prostitution will definitely be a thing of the past. Someone who can carter for themselves do not need to indulge in a dirty and filthy business for any reason whatsoever.

(6) Role models: Every child has a role model; someone they wish to be like or emulate. Who the child wants to be like is influenced by a numbers of factors e.g. an adult they see often or know well, it could be a parent, a sibling, a family friend, a movie character, a cartoon character or even their school teacher.

To prevent child prostitution, a role model with impeccable character should be introduced to the child’s life. This person would be able to write the child’s script for them and direct their foot steps towards the right direction.

(7) Guardians: Because most children don’t have guards who would direct their footsteps, they end up emulating adults who have chosen this wrong path. With no one to call them away from destruction, they go ahead and embrace prostitution. A guardian is like an angel who isn’t necessarily a family but could be a stranger with genuine interest in the said child. They are always there like godfathers and helping financially, morally and even spiritually to the upbringing of the child.

With a guardian always looking out for such a ward’s interest it will restrict the child from indulging in wayward and stupid habits.

(8) Clergy Men: People are made up of body and soul. The body we can see but the soul which defines us and directs us is locked inside. Religion is the oldest practice that directs us and points a finger towards the Supreme Being and forces us to follow.

Without spirituality, we are doomed as nothing pricks our conscience and tells us we are going the wrong path that leads to eternal destruction. A community without religion lives an undefined and worthless live for there is no guard from the Divine Creator.

To curb child prostitution, religious leaders need to step up and warn against any form of spiritual complacency that will lead to it. Because clergymen are deemed by all to be closer to God and therefore are our direct contact to and from Hi, we all tend to respect and fear their judgment and pronouncement. The men of God must play an important role in snuffing the moral decadence in the society with the words etc.

(9) Eradication of sex movies: Sex is no longer seen as a sacred thing but a common practice that artists find it a means of livelihood to pose nude and act exotic movies that hit the market and eventually land unto the laps of under-aged children. These children need only to watch such movies before their adrenalin level skyrockets and their libido rise above normal.

This triggers the child’s fantasy and they seek to practice what they have learnt. One sin leads to another and before long they take the practice a notch up and become prostitutes.

If sex movies are abolished or put in check so that they don’t get into the wrong hands, we would have a safe country with the level of child prostitution dropping below the line.

(10) Eradication of sex tools: Sex tools are like toys these days. Entrepreneurs manufacture and sell these tools to adults to help boost their sexual orgy and performance. Just like the x-rated movies, they also get into the hands of children who practice what they see adults do. This eventually leads to prostitution.

Ranges of Adult and Child Unisex Costumes

March 19, 2017

Dressing up in different colorful costumes is indeed a pleasure. This is generally done during Halloween or theme parties. Halloween is great time to dress up in costumes. Parents of children prepare many weeks earlier to plan and make costumes for their children to take part in trick a treat, to look unique and win prizes. Adults and children like to take part in them. There are many unisex costumes which can be worn by either sex. Such costumes are good especially for children when they dress up as animals. Adults can also dress up in unisex costumes. All the information can be collected in the various websites. They give enough information as to how to make costumes, how to order them online, from different stores. Some of the dresses can even be made at home with material bought from stores. Different accessories such as wigs and hats can be used to make the costume unique.

The advantage of wearing unisex costumes is that the people will have a hard time finding out who is in that costume. This will add to the fun. Babies, infants and small children, can be dressed in costumes of animals or cartoon characters. Some of the animals are the majestic lion, the striped tiger, the grizzly looking bear, the cuddly cat, the beautiful bird, the spotted leopard or the colorful peacock. Small children love to dress up as the jumping kangaroo or the monkey performing tricks. The goldfish, the octopus, the caterpillar, the lobster, and the gorilla are all easy to make or order. These are all unisex costumes. Girls and boys of all ages would like wearing them.

Older children can be dressed as cartoon characters. Some of the most loved ones are Mickey Mouse, Minnie Mouse, Daisy Duck, Superman or Spiderman. The children love to dress up as witches, fortune tellers, dragons, devils, or any other scary character. They also like to look like elves and fairies. The whole fun of Halloween for children is to eat sweets and frighten people. Sailor and pirate costumes are also very popular with children.

Adults can also wear unisex costumes. Some of them love to wear the costumes of clowns, witches, wizards or dress like the devil. They also love wearing sexy and scary costumes. The idea is to have fun and scare others. People, who are otherwise calm and reserved, love to wear scary and frightening costumes. They can now act a different role from their own selves. They can dress up as Frankenstein, the Dracula, Spiderman and Superman. They can dress up as animals. They can dress up as cartoon characters. They can dress up as people of medieval ages or as Space age people. They can wear any dress that will make them look and feel different.

With Halloween round the corner, it is the right time to shop around for the type of character you want to portray. Check out the websites for ideas and material. If you want to create your own costume, just go to the store nearby and buy material and make the costumes. Such unisex costumes can be used by other members of the family in the years to come. The costume will not be a waste. So, go ahead and enjoy wearing unique unisex costume this Halloween.

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