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First Argentina and now the EU – Who will be next?

To be realistic, we must recognize that the growth rate of the federal government has been accelerating and continues to accelerate under the current administration, while at the same time, the private sector continues to shrink. So the real question is “How will the government sustain itself?”

The logical solution would be for the government to do what we should all do, and that is learn to live within our means. Realistically, the government (ie most politicians) will never support such an approach for multiple reasons, including getting enough votes to secure re-election. Also frustrating this approach is the fact that US debt is becoming less attractive to foreign buyers (Source: Washington Post, April 7, 2010). So the only alternatives seem to be:

1. Print more money,
2. Generate more revenue by raising taxes, or
3. Discover new ways to access OUR assets.

Just to put the factual background, let’s go over what happened in Argentina. In 1902, Argentina was one of the richest countries in the world. At the time, the United States was the only country close to Argentina in terms of being the second most powerful economy in the world. Both countries were behind Great Britain.

In 1916, a new president was elected. The campaign appealed to the middle class and was based on “fundamental change.” The changes that were implemented included: “mandatory pensions, mandatory health care, and support for affordable housing…. to stimulate the economy.” These programs resulted in two important changes: (1) the government assumed more control over the economy, and (2) new taxes were assessed to finance the government’s efforts. Not surprisingly, after some time government payments exceeded taxpayer contributions.

Do you think this is starting to sound a lot like US entitlement programs, specifically Social Security and Medicare? If you’re still not worried, read on!

The situation in Argentina only got worse under the Perón administration when the target of all the rhetoric was first focused on the “rich” and then broadened to include the “middle class”. Under the Juan Perón administration, the government expanded rapidly, unions grew, and social spending accelerated geometrically. Long after Perón’s departure, the government continued to spend far more than it could afford, resulting in “hyperinflation” in 1989.

For 1994, the net result of all new income taxes, taxes on the rich, value added taxes, etc. totally crushed the private sector. In 2002, Argentina was experiencing an economic collapse much like the Great Depression in the United States.

In short, in a period of 100 years, Argentina went from the number two position in the world to a state of extreme poverty in which it could not meet its debt obligations.

Just think what would happen if the United States follows the same path as Argentina. As the Heritage Foundation reported on October 31, 2008, the president of Argentina “announced that she would go ahead with her plan to seize the nation’s private pension funds… the seizure of the funds is necessary to protect Argentines.” of the global market crisis. But most observers believe the real motive is to use the $30 billion in seized assets to relieve the massive debt obligations his… government has racked up.”

If our government took the same approach, perhaps more subtly, IRAs alone would provide access to around $4 trillion. Just think of how many new government spending programs, new czars, and new agencies that kind of money could support!

I must say that asset seizure is probably beyond the realm of probability in the US. Retirement asset seizure probably won’t happen, but it could end OUR freedom of choice regarding retirement savings, one bite at a time.

Consider the following:

1. The New York Times recently acknowledged that Social Security has already begun “paying out more in benefits than it receives in payroll taxes, a major threshold not expected to be crossed until 2016, according to the Congressional Budget Office.” .
2. The US Treasury has begun submitting proposals to provide various incentives to divert money to “government-approved investments.”
3. Based on a study finding that most Americans have saved too little for retirement to supplement their Social Security benefits, there are proponents in the current administration who propose forcing workers to save 5 percent of your income. Maybe not such a bad idea, except that it is further proposed that these savings go directly into a government-run “Guaranteed Retirement Account.” The net result of this proposal would be to leave you with less to control through an IRA. Also, you have to ask yourself: What would protect this account from ending up in exactly the same condition as Social Security?

I don’t know about you, but it seems to me that there is a bad wind that takes us all down the same path as Argentina. Keep your eyes open! Keep an eye out for the first step which will likely be naming the US Government Retirement Czar!

As an additional thought, if you can’t relate to Argentina’s history, take a close look at the growth of social programs in the European Union over the last 60 years, and see where they are today!

The timeline for failure seems to be getting shorter: Argentina took 100 years; it only took the EU 60 years. How quickly will the next country fail financially, and more importantly, could it be us?

Arts Entertainments

Sealing and Expungement of Criminal Records: Benefits and Reasons for Denial

As a Fort Lauderdale criminal defense attorney, I often receive inquiries about whether a client is eligible to have their criminal record sealed or expunged. I created this “cheat sheet” for my clients to understand the benefits of sealing or expunging criminal records and common reasons for denial.

Due to the economic recession, the unemployment rate in the United States hovers around 9%-10%. As a result, employers can be very particular with their new hires and may prevent the hiring of someone with a criminal record. Worse yet, with advances in technology, employers can inexpensively discover your criminal history from anywhere in the United States with no time constraints. A client was recently fired from his job for failing to disclose a minor marijuana charge in 1978! In addition to employers, criminal background checks are common when applying for housing, professional licenses, security clearance, and certain bank loans. I have even heard of potential dating partners doing criminal background checks on a person prior to dating.

When you expunge your criminal record, your criminal record is no longer accessible to the public. Such criminal records include your court case number, your jail record, and the police record of the incident (ie, affidavit of probable cause). Please note that if you were arrested for a crime, even if charges were never filed or your case was dismissed for any reason, your arrest record and court case will remain publicly accessible until you delete your case. It bears repeating that even if the State Attorney’s Office “dropped out” or announced a Nolle Prosequi (“Dismissal”) of your case, your arrest record and Court Case are still available for employers to view until delete your case.

In most situations (including all expungements), you can legally deny that you were ever arrested for the crime you had sealed or expunged. Think of the value of not having to tell an employer about your juvenile indiscretion or misbehavior that is currently leaving an indelible mark on your resume. The cost benefit of spending a few hundred dollars to hire an attorney to seal or expunge his record could net you tens of thousands of dollars in the future. Keep in mind that in Florida, it takes approximately 6-7 months for a court to expunge your record. As a result, be proactive: Don’t wait until you’re applying for a new job to ask the court to dismiss your case.

Common Reasons for Denial
I get dozens of phone calls a year from people who were improperly informed by their previous criminal defense attorney that they can seal their arrest record. I am always amazed when criminal defense attorneys twist the law about sealing, as the Florida Department of Law Enforcement provides a detailed explanation on their website of which crimes are not eligible to be sealed or expunged.

By far the most common inquiry I receive concerns the criminal offense of driving under the influence. In the state of Florida, anyone who accepts a guilty plea to driving under the influence of alcohol receives a guilty verdict. A person cannot receive an adjudication hold for driving under the influence, unless the state’s attorney changes the charge to reckless driving. The law is clear that a person CANNOT seal or expunge their record if they have ever been CONVICTED guilty of any criminal offense, including Driving Under the Influence or Driving While License Suspended.

The second most common query concerns people who were improperly informed by their previous criminal defense attorney that they can always seal their arrest record if they receive a HOLD OF ADJUDICATION of the charge. Again, I consider this legal negligence considering that the Florida Department of Law Enforcement website specifically lists which felonies are not eligible to be sealed, regardless of whether the adjudication of guilt was withheld. Notably, all ineligible offenses are listed in Fla. Stat 907.041.

Criminal defense attorneys often misrepresent that the following crimes can be sealed if the client received a stay of adjudication: (1) Burglary of a home; (2) Any act of domestic violence; and (3) Harassment. These charges cannot be sealed even if the charge is a misdemeanor and you received an adjudication hold. Also, a person can only seal or delete their record ONE time. An individual cannot seal one charge in 2010 and expect to seal another charge in 2011.

Although you do not need a lawyer to ask the court to seal or expunge your criminal record, I recommend that you hire an experienced criminal defense attorney to handle this matter for you. Most attorneys in Florida will charge between $500.00 and $1,000.00 for this service. Since making sure your criminal record is properly sealed or expunged could be one of the most important decisions you make in your life, it is beneficial to make sure it is done correctly.

The information on this article site was developed by Lyons, Snyder & Collin, PA for informational purposes only and should not be considered legal advice. Transmission and receipt of information in this article does not form or constitute an attorney-client relationship with Lyons, Snyder & Collin. Persons receiving the information in this article should not act on the information provided without seeking professional legal advice.

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The True Story of Revolutionary Super Cop – Yes Ma’am Sir

“The strongest oak in the forest is not the one that is sheltered from the storm and hidden from the sun. It is the one that is out in the open where it is forced to fight for its existence against the winds and the rains and the scorching sun.” -Napoleon Hill

It is unlikely that anyone will face situations in their life that require them to go beyond their limits and challenge every cell of their ability, courage and willpower. Society and time would always be there to mock and discourage a person from going out and doing or becoming something that is not ordinary. In fact, everyone can do and be average and it takes a lot emotionally and physically to be extraordinary.

A timeless and universal true story brings you the main message of standing up to your convictions and never giving up. An Indian lady, with her dreams of joining the Indian Police Service despite being an all-male team, became the first elite female police officer. With her, not only did she make a name for herself in one of the most corrupt police forces in the world. Despised and belittled by high officials, society, colleagues and the public, she had to face it all and overcome it. For an ancient Indian culture women are never given much importance, being under the leadership of a woman is far from talking about it. Initially referred to as “that girl”, she was undeterred. Her act to stop the law breakers who did not even spare the illegally parked car of the then prime minister took the legal department by surprise by her courage and steadfastness.

Alone, she put down a troublesome riot of thousands of sword-wielding protesters and all of her colleagues fled. He earned respect and admiration not only from his co-workers and elders, but also from the people of India. With a sincere officer like her, top officials found her a gift to her peaceful, self-beneficial yet corrupt administration. It was decided that she would be sent to “Tihar Jail”, the most notorious and corrupt jail in India as punishment. . This scourge was presented as a blessing, where her contributions to correct administrative failures and reform the lives of inmates.

India’s super police, playing the role of daughter, wife and mother, are still on the move to make their contribution to the welfare of the country. Her three-decade battle against the seemingly indomitable forces of corruption, bureaucracy, sexism and prejudice, and her work on behalf of women, prisoners and community charities, has been nothing short of visionary, leading her to he was awarded the “Ramon Magsaysay Prize” (Asian Prize equivalent to a Nobel Peace Prize) and a key position in the United Nations. “A trip can change a life. A life can change the world.”

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EPSDT Aging – Part VII: Taking Responsibility

In the last six posts, we’ve talked a lot about all the factors involved in the transition from a child with special needs (covered by the Early and Periodic Screening, Diagnosis, and Treatment (EPSDT) program) to an adult. with special needs a particularly traumatic event for low-income families. We’ve talked about the states that rejected the Medicaid expansion offered by Obamacare and about the flaws within Medicaid that cause the unexpanded version to fail so many low-income adults with disabilities. We have discussed the costs this can have for families who have to pay out of pocket for their newly-adult children with disabilities.

What we haven’t talked about is how much all these failures are costing us. Not just in some sort of moral outrage, either, but in terms of real tax money in our pockets.

Emergency treatment is a right…

Emergency medical treatment became a universal right in the United States in 1986: If someone, insured or not, presents to a hospital emergency room with a life-threatening emergency, the emergency room is legally obligated to treat you until their lives are no longer in danger. endangered. If that person has no insurance, no money, and the hospital can’t convince Medicaid that they should have coverage, the hospital uses a perfectly valid and legitimate technique called ‘repricing’ to essentially bill Medicaid anyway, charging a little more for all the other Medicaid covered services they offer.

… that we all pay

It sounds like it could be a no-loss situation for the taxpayer, but that couldn’t be further from the truth, and here’s why: Medical emergencies cost an unbelievably higher amount than medical maintenance. The cost of keeping a person with severe asthma on a powerful inhaler can run to several thousand dollars each year, plus another $12,000 for a couple of interventions. The cost of resuscitating, medicating, observing and ultimately discharging someone whose severe untreated asthma led her sister to call 911 and seek out paramedics will easily exceed $100,000.

And that’s just for one of those events. Many relatively common forms of disability, including severe asthma, often send their patients to the hospital several times a year when they are not receiving treatment. Therefore, the cost of covering one of these families with Medicaid would be perhaps $20,000, and the cost of not covering one of these families can easily exceed $520,000. When you multiply the difference of half a million dollars by an estimated 25,000 Americans who have severe disabilities and are not covered by Medicaid or any other insurance, all of a sudden we see $12.5 billion that American taxpayers are paying so that some states can they pat themselves on the back for ‘cutting costs’ by cutting coverage for young adults over the age of the EPDST program.

What to do fiscally responsible

A decade or so ago, ‘rogue investigator’ Malcolm Gladwell wrote an article in the New York Times called Million Dollar Murray, in which he described how a specific homeless man cost the city of Las Vegas over a million dollars in hospital costs over a 10-year period. . Since that article, various entities have recognized the value of simply paying for people who cannot pay for themselves. The state of Utah’s Housing First program, for example, simply hands out small but complete houses to the chronically homeless, charging them a meager rent of $50 a month. Why? Because one study showed that a chronically homeless person costs the state an average of $19,000/year in jail, hospital, and other services, but it only costs $8,000/year to house and assign a caseworker.

There are hundreds of similar examples across the country: cities, counties, and sometimes entire states realizing that simply providing a service to the people who need it most is the genuinely fiscally responsible long-term option. And while you might be able to make a seemingly pretty strong argument about startup and recovery when it comes to homelessness or drug use, it’s a pretty strong bet that you really can’t ask someone with a chronic disability to ‘man. up’ and handle it on your own, making you not only fiscally responsible, but also morally responsible.

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The Jagons of African Democracy

“There can be only one kind of democracy and that is democracy that recognizes certain pristine notions…” (Muyiwa Falaiye).* Democracy undoubtedly remains the best form of government in Africa. As a result of the dictatorial leadership of our colonial masters, it is logical to return power to the people, after independence. In general and general terms, democracy refers to a government of the people, by the people and for the people. It is a form of government that empowers the people, and that is what Africa needs. Unfortunately, democracy has been altered and excessively polluted here in Africa.

Africa pretends to practice Western democracy, while the political modus operandi is “African democracy”. In other words, while other continents practice Western democracy, Africa has settled for “African democracy.” This gives us a dichotomy between “democracy in Africa” ​​and “African democracy”. The first is Western democracy unaltered, while the second is democracy intertwined with African cultural values.

Historically speaking, the status quo in most African nations was the practice of African democracy. Apart from our communal social configuration, African democracy existed, even before the advent of our colonial masters. In pre-colonial African societies, African democracy allowed the ruling “party” to view the opposition “party” as an enemy. An enemy that will seek any means to destroy the ruling ‘party’. But when the British came, they introduced their own Western democracy which allowed the opposition party to act as checkmate to the ruling party. Furthermore, in this type of government system, the opposition party is expected to make constructive criticism of the ruling party, not destructive criticism. In fact, this type of system was alien to most African societies. But unfortunately, particularly during the early post-colonial era, this pure democracy that the British introduced was abandoned and most African countries practiced half of this democracy (which led to the practice of African democracy today), or none of it. . It was at this point that Western democracy became excessively contaminated with cultural values.

Due to the wide spread of this African democracy, ordinary people no longer have a voice in politics. African democracy is simply full of inequality, corruption, nepotism, etc. Perhaps that is why most African countries are underdeveloped today. As a continent that recently freed itself from the clutches of colonial dictatorship, African democracy is not what we need right now.

At this point, it is paramount to add that I am not advocating the complete eradication of our cultural values. Rather, I am advocating the complete exclusion of our cultural values ​​from our politics. There is nothing wrong with our African cultural values. But amalgamating cultural values ​​with Western democracy implies giving a grotesque vision of the very concept of democracy. For example, our cultural values ​​demand that we respect our elders, and young people have no part in the discussions or dealings of our elders. In fact, a young child has no right to question the opinions of our elders. In a Democratic setting, this is stark inequality. Democracy demands that all those involved in the political institution of their society have the same rights, regardless of their age. As you can see, there is a conflicting gap between our cultural values ​​and Western democracy. Other examples of these cultural values ​​include the godfather (a political figure who determines who rules, and is also often worshiped by young “godchildren”), the power to rule is in the hands of a specific class of wealthy people, and so on. .

My point is that democracy must be a government of equality, free from all forms of patronage, and where people have the same rights to participate, either directly or representatively, regardless of their age. Therefore, democracy should not be situated or practiced within the limits of cultural values. To do this amounts to distorting the very concept of democracy. Unfortunately, this is what is being done here in Africa.

Democracy is a government of the people. They decide the kind of ruler they want. However, some scholars have argued that democracy is not the best form of government for Africans, and the reason for this is the high rate of uneducated people in Africa. But this also means that African leaders must take up the task of providing an environment conducive to learning, adequate learning facilities and more establishment of schools and higher institutions. When this is done, the illiteracy rate in Africa will drop dramatically and Africans will elect their leaders in a completely democratic environment.

Western democracy is the best form of government for Africa. But the practice of African democracy, enmeshed with cultural values, is like sticking a dagger into a man’s chest. In the end, the man will die. Therefore, something must be done. We cannot stand by and watch this continent drift. “The biggest problem facing Africa now is the absence of ideology” (Franz Fanon). We need to think, provide ideas and act on these ideas. Our founding fathers of independent Africa (Azikwe, Nkrumah, Senghor, Peter Abraham, Awolowo, Hastings Banda, Jomo Kenyatta and George Padmore) expressed ideas about how Africa can gain political independence and acted accordingly. “Evil prevails when good men fail to act.” Therefore, I challenge the youth as leaders of tomorrow to end this African democracy (especially the godfather and political inequality), before it is too late.

Thank you

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Advantages of pepper spray: better safe than sorry

Of the 3 basic chemical compounds used in self-defense sprays, there is one that is the most effective and the most innovative, which is the one that I am going to expand on in this article.

The natural chemical compound used in defense sprays is called Oleoresin Capsicum, or OC. It is not a skin irritant like the other 2 man-made chemicals are.

The term “pepper spray” comes from the fact that Oleoresin Capsicum is made from vegetable oils from hot peppers. “Oleoresin” is a term meaning a mixture of a partially solid substance obtained from the sap of specific plants and trees. “Capsicum” is Latin for fruit of the hot pepper plant. OC is not harmful to the skin or any internal tissue, while the other 2 man-made chemical compounds can be toxic and harmful to human tissue.

As an inflammatory agent, OC pepper spray has an immediate effect upon contact with the aggressor being sprayed. Temporary blindness occurs when the capillaries in the eyes dilate and the terrible burning sensation from the pepper spray causes the eyes to close uncontrollably. The immediate swelling of the lungs and throat will bring the assailant to their knees in a gasping attempt to inhale more air than their swollen respiratory tissues will allow. You will only be able to get enough oxygen to keep from passing out and you may also experience nausea and vomiting.

These conditions are only temporary, but very overwhelming for the person sprayed, giving the victim plenty of time to escape. It takes 20-45 minutes for the effects of the OC pepper spray to wear off and the assailant makes a full recovery, hopefully in jail.

The other 2 chemical compound defense sprays will not have a stopping effect on someone who is high on drugs or in an intense state of high adrenaline from some forms of psychosis, nor will they have stopping power against an animal attack. OC pepper spray IS effective in all of these situations.

OC pepper sprays come in jet, cone, and mist releases.

1. The OC jet sprayer has a throw range of approximately 15 to 20 feet. Wind is less likely to blow it back into the face of the person applying the spray. If the user lands a direct blow to the assailant’s face, the pepper spray will break into small droplets, stopping the attacker and bringing them to their knees from the inflammatory effects. The downside to this jet-type pepper spray is that it doesn’t release OC as successfully as the cone or mist.

2. Pepper spray with a spray pattern wider than the stream is the cone spray. Creates a barrier of mist at its finer density and has a more immediate stopping effect on the attacker than the current. The barrier of mist that the cone emits is effective against multiple assailants and gives the user time to escape. There are a couple of drawbacks to the cone sprayer, one of which is the fact that it is uncontrollable in a strong breeze, so the user must be aware of the need to escape the vicinity immediately after spraying. The other drawback is that the smaller canisters usually only have a 6-8 foot range. Larger canisters that are 3 or 4 ounces can have a firing range of 12 to 15 feet.

3. The fogger pepper spray unit releases a high-pressure jet of a fine mist that is the most effective of the three types of spray because any inhalation quickly draws the mist into lung tissue, swelling the mucous membranes and incapacitating the assailant. Even in windy conditions, this mist works well and forms a barrier between the user and the assailant, giving them enough time to escape. It works especially well with more than one aggressor in still air because the mist will remain suspended for several minutes. The 15-20 foot spray range is also a factor in giving the user time to spray and escape. Unfortunately, the number of shots per unit is less than jet or cone spray due to the large amount of chemical released with the spray and the high pressure of each unit.

Each pepper spray has its pros and cons, but the important thing to remember is that if used correctly, any one of them can save your life. After buying a pepper spray, go through a real attack scenario without letting go of the spray. Familiarize yourself with how to hold the spray to be effective, making sure the nozzle is pointed away from you, simulate a spray, and then turn and run. Although the spray will stop your attacker, NEVER stick around to see what happens. Spray and run like never before. And call the police when you are at a safe distance. Hopefully you’ll never need to use pepper spray, but it’s much better to have it and never use it than to need it and not have it.

Arts Entertainments

Outdoor pool tables and their benefits

An outdoor pool table is certainly a popular thing these days as there are so many ways you can benefit from one. Here we will discuss the benefits of one for you.

school meeting
Maybe you were not the most popular boy in school and you would like to make up for it and dazzle everyone with your big party, imagine having a game of pool outdoors. Your old schoolmates would definitely never forget it. Everyone playing pool and having a lot of fun would make you the most popular man at the party. That would be a great way to start the night with all your old friends, playing a good game of pool. Everyone wants to make a good impression when they meet up with their old friends from school for the first time in fifteen years. Outdoor pool tables would do just that. Plus, a little friendly competition never hurt anyone.

Parties are always fun, but barbecues are even better! When you have your barbecue and invite all your friends, and your friends are talking about who has the biggest house or the most beautiful things, they will think of you, because you are throwing a wonderful party, with an outdoor pool table. No party can get much better than that. Entertaining guests is always a great way to show off your new assets in your home, everyone loves a good round of pool. So there’s no reason why your friends shouldn’t leave your house talking about your party for a week, maybe even a month.

Birthday Party
Is your teenager having a birthday party soon? Maybe you should sign up for some outdoor pool tables for your kids birthday party, the more people that come the harder it is to entertain them all. Pool tables are not only great for breaking the ice between children, but also a wonderful source of entertainment. If it were a party invited also for the parents, playing a good game of pool would open up many conversations and a lot of fun for everyone present. For you and your child’s friends. If you have a coin pool table, you could even win money. everybody wins

Outdoor pool tables have always been popular, whether it’s for a party or a nice cool day full of fun and entertainment. There is never an event that outdoor pool tables don’t fit in, even with themed parties or small children’s parties, outdoor pool tables always work. Even if it’s just for the adults or family living in the home. There’s no denying the amount of entertainment outdoor pool tables provide families.

Outdoor pool tables are appropriate for all ages. Normally, when people think of a pool table in a house, they think of a bachelor, but that is not usually the case. Singles live alone and throw the occasional Super Bowl party, while families always have different activities, with additional friends and family members coming and going. It’s always so much fun to play together; Hosting a family night to play pool would even be a great idea. It would provide time for everyone together, even if everyone has been extremely busy during the week.

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Can drug users get life insurance?

Drug use in Canada is either prevalent or nonexistent depending on what you define as a “drug.” Eleven percent of the Canadian population “has a problem with drugs or alcohol,” according to a CBC survey, but this does not include people who use drugs recreationally without “a problem.” That number, especially when you include alcohol and cannabis, is much, much higher, and if you include just people with classically defined addictions to illicit drugs, like crack, cocaine, and heroin, the number is much, much higher. lower.

In general, the way insurance companies approach drug problems is based on two main questions: Is the potential client using prescription drugs provided through the appropriate channels, or is he using drugs outside those channels and, why? Therefore, it is statistically vulnerable to certain liabilities?

For the former, these questions are often discovered in the background checks and medical questionnaires provided by insurance companies before a policy is developed or offered. Naturally, some medications have effects on a person’s life expectancy and prospective quality of life, and others carry certain health risks, even when administered by a healthcare professional. In these cases, an insurance company will consider the medical problems treated by the drugs and the effects of the drugs themselves when developing a policy, but most major health insurance providers can usually provide a policy.

For those who use illicit drugs, the options are generally more difficult. Insurance companies are often hesitant to provide policies, many even wary of offering low-cost options for people who smoke cigarettes.

Fortunately, there are still some options available to drug users, especially those who use illicit drugs. Remember, many policies will not cover complications that occur due to illicit drug use, and failure to disclose such information when requested may constitute insurance fraud, which can be a serious offense that includes large fines and possible jail time.

In general, illicit drug users only have one option when it comes to life insurance opportunities: simplified life insurance policies that do not require medical questionnaires. This is changing as more and more insurance providers offer products designed specifically for the “hard to insure” market. Simplified insurance plans often require only simple medical questions that do not include questions about drug use.

Non-medical life insurance policies vary widely from provider to provider, so it’s beneficial to research these plans before contacting them to compare rates and potential coverage. You can also ask your broker to do an informal preliminary consultation before submitting a formal application. Informal preliminary consultations are non-binding and can give you an idea of ​​whether your application would be approved as standard, rejected or qualified. Keep in mind that insurance providers may offer plans with coverage from day one or with a two-year waiting period, depending on your situation.

If you have used or are using illegal drugs and need life insurance, it’s important to discuss your options with an insurance broker who has your best interests in mind. With the right team behind you, the right policy can be found.

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Bula Spirit of Fiji

Two weeks of Bula Spirit from Fiji made an impression on me in 1999.

Now with a child in tow, Bua’s party of 3 was destined for a memorable week-long family getaway, the first Christmas. Still, this was uncharted territory.

For this trip, unlike the first, figuring it out as we went along and backpacker accommodation in a basic thatched hut (bure) was not going to cut it. We had to factor in the needs of a 9 month old baby now with amenities like a crib, basic kitchen facilities, and at the very least a fan at the top of our wish list.

Some homework would be required, so after much diligent research online and phone calls from Bec, it was finally resolved. We would stay just 4 kilometers from Nadi International Airport at the Club Fiji Resort.

Now we just needed to get there, I told myself, secretly dreading the big unknown of having to fly with a child. But a combination of well-timed bottles and a small dose of Phenergan turned our initial fears of EQ issues and possible tantrums into a quiet point, and Kaia passed her first test with flying colors. I wish navigating the glacially moving immigration and customs line at Nadi had been half as easy.

But in the end, we managed to get through and find our driver waiting patiently to take us home for the next week. Located a few hundred yards from the island’s main road down a dirt road badly in need of grading, we were pleased to find Club Fiji, the well-kept, oceanfront, palm-fringed oasis as shown in the photos at Trip advisor. .

All it took was sorting out our gear, and in less time than it takes to down a full cup of kava and clap your hands three times, we were quickly settled in. In our daily routine of a delicious included breakfast, water hour, naps by the water with dad, walks on the beach, open-air tour bus rides by local bus, and lots of drinks at happy hour before dinner. All interspersed, of course, with feeding Kaia and, more importantly, getting Kaia to boil the endless supply of bottles for her next round of feedings by one member of staff in particular, who couldn’t do enough. to help.

Annie’s smile was as big as it was genuine and she took a special interest in Kaia and doted on her every morning at breakfast with hugs and kisses and pinches on the cheek and, Dad’s favorite, extra helpings. It was a level of kindness and affection that would follow us throughout our time in Fiji, more so than when we boarded a fast ferry to South Sea Island for Christmas Day.

I’ve worked in tourism long enough to know that no matter how unique and exotic your office is, there are times when it’s still just that: a job. Especially at big parties where, truth be told, hanging out with friends and family would be your first choice. It is in these moments when maintaining that sincere smile is more difficult.

But apparently, the South Sea Island crew did not receive that memo. “My family will be reunited later this afternoon,” an island employee adorned in a Bula shirt assured me with a big nonchalant smile that suggested he was happy where he was, thank you very much.

And why not? There really was nothing more perfect for a postcard than the tiny pile of coral they punched their weather cards into in the middle of a turquoise South Pacific. It very well may have been ‘just a job’ but it was definitely one that he seemed to enjoy and it was an attitude shared by pretty much all of his co-workers and it helped raise the level of friendly hospitality to a whole other level.

Ultimately, Fiji with Kaia opened my eyes to the fact that traveling with a young child has its own unique set of rewards. Rewards in the form of an ‘open heart’ policy that makes travel rewarding in ways unimaginable for untrammeled parents.
But then, I should have known better after having been there once. It’s called the Bula Spirit for a reason.

And that spirit, along with Kaia at the helm, probably ruined me…although, I’d be lying if I didn’t admit that we intend to test the theory.

Arts Entertainments

Africa Zambia Travel and Tips Information

When you really want to appreciate nature, solid structures are more of a hindrance than a blessing. When you arrive at a Zambian game viewing spot, you’ll find easy-to-open structures made of porous canvas and indigenous materials with the majesty of nature all around you: the towering desert trees, the open house at the camp for scouts and even the strange Puku. . When you’re in your tent, reed bungalow, or thatched cottage, you’re part of the warp and woof of the wilderness.

The songs of birds, the rustle of grass, the distant roar of a hunting lion float directly into your hearing range and you experience the sweetness of nature’s breath. Within easy roaming, open common rooms and airy enclosures allow you to meet your fellow safari guests for casual conversations…outdoor daydreams under the stars…and hearty meals that set you up for restful sleep, leading to surveillance for game viewing excursions.

Explorer’s Africa will always be in style… but Welcome Tourism Services believes that a good measure of luxury is also in style.

Zambia is often described as the “real Africa” ​​and it’s easy to see why. The country is famous for its vast protected wilderness areas and South Luangwa National Park is home to possibly the most diverse range of game in Africa. Birds are also found in rich profusion.

With Africa’s wildlife areas rapidly disappearing, Zambia remains the least disturbed and commercialized and is still blessed with lush vegetation, abundant water and a steadfast commitment to preserving its vast expanses of African wildlife, spread across 19 national parks and 33 game management areas.

A safari in Zambia offers a legendary wildlife experience on safaris in open vehicles, walking safaris through the virgin forest or canoe safaris on the Zambezi.

Some of the world’s most knowledgeable wildlife experts run safari operations in Zambia. This, coupled with strict training standards for guides, rangers and trackers, ensures that wildlife enthusiasts get an in-depth and entertaining exploration of the African bush. The warm welcome of the Zambian people and culture provide an added dimension to an unforgettable experience.

Welcome Tourism Services believes that, like Botswana, Zambia is best suited for customized tours and safaris. Although we have highlighted some special interest itineraries and opportunities, there are a multitude of safaris, accommodation options and activities available. Our specialist consultants will tailor-make the ideal Zambian adventure based on client interest, budget and available timeframes, ensuring that each safari embodies the spirit of Africa.

Covering 750,000 square feet. km Zambia sits on a plateau averaging 1,300 meters above sea level. Although situated in the tropical belt of south central Africa, Zambia’s elevation gives it a moderate climate. There are three seasons: hot and humid between December and April; cool and dry from May to August; hot and dry from September to November. The rainy season (particularly October) is notably wet in the Zambezi and Luangwa valleys.

Zambia gained its independence in 1964 under Dr. Kenneth Kaunda and became a Commonwealth republic. In 1972, the country was declared a one-party state, but returned to multi-party politics in December 1990.

The basis of Zambia’s economy is copper and cobalt mining, which together provide more than 90% of the country’s foreign exchange earnings. Great efforts are being made to diversify its economic base with agriculture, manufacturing and international tourism becoming more important and the country remains one of the most prosperous nations in Africa.

Starting life as a simple railway halt in 1905, Lusaka has been the capital of Zambia since 1935 and today is one of the fastest growing cities in Central Africa. Of special note are the impressive Munda Wanga Botanic Gardens and adjoining zoo, the Holy Cross Anglican Cathedral, the Zambia Gemstone and Polishing Factory (which produces fine jewelery from precious and semi-precious stones), and the bustling Market. of Luburma.

Before 1935, Livingstone was the capital of what was then called Northern Rhodesia and is situated about 10 km from the magnificent Victoria Falls on the Zambezi River. The Livingstone Museum is the country’s national museum, tracing the history of man in Zambia and has a particularly good collection of memorabilia relating to explorer/missionary Dr David Livingstone. The Victoria Falls Field Museum is located on an archaeological site and displays stone tools from about 2.5 million years ago.

The Railway Museum traces the history of rail transport in Zambia and has a collection of locomotives and rolling stock dating back to the early 20th century. The Maramba Cultural Village just outside Livingstone offers an interesting look at Zambian culture and the Hukini Village on the way to the Victoria Falls Gorges offers interesting craft and carving demonstrations. Mosi-oa-Tunya National Park is home to some of Zambia’s remaining rhinos. A wide variety of adventure activities, including rafting, kayaking, canoeing, ultralight and river cruises, are available at all Livingstone hotels and lodges.

Covering 22,500 m2. km, Kafue National Park is bordered by the blue-green Kafue River and stretches from the vast plains of Busanga in the north to the miombo forests of Nanzhila in the south. The park remains as it has been for centuries and offers a great diversity of landscapes and habitats, making it one of the most exciting and rewarding parks in Africa.

A profusion of animals including elephants, lions, leopards, cheetahs, hyenas, buffalo, roans, sables and a wide variety of other antelope can be seen regularly and bird life is extensive and rich in variety. A short distance downriver from Lake Kariba is the Zambezi Valley, lined with sheer cliffs and a veritable menagerie of wildlife. Drawn by the lush floodplains, verdant forests, and permanent water, elephants, buffalo, and antelope move in large herds. The lion, leopard, and hyena maintain checks and balances. A river teeming with fish and a land of diverse habitats has resulted in an astonishing variety of bird species. Canoe safaris have become a popular way to explore the Lower Zambezi, allowing visitors to get up close to wildlife in their natural environment.

Just a three hour drive from Lusaka is the World Heritage Wetlands site of Lochinvar National Park. Although larger mammals are not in abundance, Lochinvar has excellent bird-watching opportunities, with over 428 species recorded. The park is situated at the southern end of the Kafue Flats and is particularly known for the large herds of Kafue Lechwe, Blue Wildebeest, zebra, buffalo, Greater Kudu, bushbuck, oribi, hippo, reedbuck, waterbuck, and the elusive Sitatunga are also here.

The Luangwa Valley stretches across eastern Zambia. Framed by sheer cliffs and supported by the dynamic Luangwa River, the valley is home to the North and South Luangwa National Parks. With a combined reach of 20,000 square feet. km, the two parks encompass a wild wilderness of abundance and diversity where the relentless daily drama of survival plays out for a small, privileged audience.

The valley is home to more than 50 species of mammals, predators are common, buffalo and elephants are abundant, and hippos drown the river in herds a hundred strong. Over 400 species of birds have been recorded and seasonal migratory birds enhance this bird lover’s paradise, where storks and pelicans enjoy boisterous “fishing parties”, carmine bee-eaters nest in the thousands, crowned cranes screech in flocks and vultures fill the sky along with 38 other birds of prey. species.