Purani Mohabbat - Wardaat –02 March 2016

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Gujranwala Batijy aur Chachi ki Love Story

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Youth rapes 80 year old woman in Okara

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Save thousands when you compare life insurance online - Help

The internet has made a huge difference to the lives of so many people, in so many different ways, and just one of the ways in which it’s changed people’s lives is by allowing them to save money on their shopping. With better technology has come the ability to compare prices, and by being able to compare prices customers are quickly able to find the best deal when shopping. 

Whilst most people find that their savings equate to a few pounds, with the odd person saving hundreds of pounds on the most expensive electrical items, customers who buy life insurance from companies like Life Insure are able to save themselves thousands of pounds, by simply shopping online and comparing the prices of different policies when they buy their life insurance. 

Example 

John buys life insurance from his bank. He’s quoted £20 a month for £150,000 worth of cover over a 25 year period. He’s banked with the same bank for years and years and has always stayed loyal to them, so he doesn’t bother shopping around assuming that he’s got the best deal from the bank. Over the 25 years of the policy John will spend £6000 on his life insurance cover. 

His friend Steve on the other hand is offered the same policy by the bank but decides to go home and use the internet to make sure he finds the best deal for himself. He goes to Life Insure and spends just five minutes filling in his details before being presented with a range of different quotes from the leading insurance providers. One of the quotes is for just £10 a month, for the exact same level of cover. Steve is able to click straight through to buy the cover from the cheapest provider, reading up on the benefits and features of the cover at the same time. 

Over the 25 years of the policy Steve will pay just £3000, making a saving of £3000 and paying half of what John will have. The benefits of shopping around for your life insurance can be huge and with the comparison taking just a few minutes anyone would be mad not too.

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Life Insurance In Uk For Non-Residents | Help

What is life insurance? 

Life insurance is an insurance product that will pay out a lump sum payment to your family in the unfortunate event that you die.

 

Life insurance can provide your family with valuable finances that will help them to carry on living in their home, and to survive without you at such a difficult time. 

Why do I need life insurance? 

You need life insurance if you have financial responsibilities which your family could not take over if you were to die. Somebody with a mortgage and children is someone with financial responsibilities, and in families where both parents work, and their income is needed to keep the home running, life insurance can really make a difference. 

Should you unexpectedly die, if you have life insurance your life insurance payout will often pay off the mortgage, and leave your family with enough money to survive while they find their way back on their feet. Without life insurance you can leave your family in a financial mess, and as a result the family could lose their home. 

This is one of the main reasons many mortgage lenders make life insurance a compulsory part of taking out a mortgage. 

How does life insurance work? 

There are two different main forms of life insurance. Whole life insurance, which covers you against death for your whole life, or term life insurance, which covers you during a certain term. This term if often until you reach a certain age, or pay off your mortgage.

Term life insurance is a lot cheaper than whole life insurance because most people outlive their insurance term. 

When you take out life insurance, you need to calculate how much money your family would need in your absence, and you then base your policy around this. The policy will cost a different amount for different pay out amounts, and generally a term life insurance policy is around eight times cheaper than a whole life insurance policy because of the nature of the two policies. 

Term life insurance vs whole life insurance 

Whole life insurance is more expensive but offers a guaranteed return on investment. Term life insurance offers protection when you need it the most. At your point of most financial responsibility. Once you reach an age where you have paid off your mortgage and your children have left home there is usually much less of a need for life insurance. 

When purchasing life insurance there are many other forms available such as unemployment cover and critical illness insurance.

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Top 10 Mesothelioma News Stories of 2016

Mesothelioma researchers, advocates and physicians unite across the nation every day to change the future of mesothelioma treatment.

Because of their selfless efforts, mesothelioma survivors are living longer, fuller lives with their loved ones at their side. 

As an advocacy organization, we continually share the latest news about medical breakthroughs and other advancements impacting the mesothelioma community. Today, we reflect on several major headlines of 2016. 

Many of our top headlines this year focused on new treatment options for mesothelioma patients. Given the rarity of this difficult cancer and the lack of a cure, patients may feel they have limited options. Thanks to mesothelioma specialists around the world, survivors now have hope for a cure in the future.

Cuba’s Lung Cancer Vaccine Heading to the US 

CimaVax, a new lung cancer vaccine, will make its way the U.S. after changing lives in Cuba for more than two decades. The loosening of the 54-year-old Cuban embargo made access to the vaccine in the U.S. possible. 

The Roswell Park Cancer Institute in Buffalo, New York, will soon begin a clinical trial for lung cancer patients featuring the vaccine. This development means there is hope the immunotherapy drug will also fight mesothelioma.

Immunotherapy Trial for Mesothelioma Shows Early Promise 

Mesothelioma patients responded well in a phase I clinical trial for avelumab, an immunotherapy drug researchers are testing on more than a dozen cancers. The trial included 53 mesothelioma patients with the pleural or peritoneal type of the cancer. The drug reduced tumor size in nearly 10 percent of patients, and the majority of participants had limited side effects from the treatment. 

Immunotherapy Vaccine for Mesothelioma Gets High Marks 

A mesothelioma clinical trial focused on a new immunotherapy vaccine showed amazing results. Tumor shrinkage was reported in 85 percent of patients. Researchers say immunotherapy vaccine CRS-207 may soon become a standard-of-care treatment for mesothelioma. In addition, CRS-207 produced a startling 94 percent disease control rate when combined with a chemotherapy cocktail of cisplatin and pemetrexed in a recent, multicenter clinical trial.

Tremelimumab Failed to Extend Mesothelioma Survival Rates 

Researchers were previously testing tremelimumab, an immunotherapy drug, as a second- and third-line treatment for unresectable mesothelioma in a phase IIb trial. The drug already had shown success with other cancers. 

Unfortunately, the drug failed to extend the lives of malignant mesothelioma patients, which resulted in ending the multicenter clinical trial in March. While this is seemingly bad news, mesothelioma researchers can now turn their heads and focus to more promising treatment options. 

WT1 Vaccine Nears Approval as Second-Line Mesothelioma Treatment 

Mesothelioma patients may soon benefit from the first second-line treatment for the disease if the FDA approves the WT1 vaccine. Nearly all mesothelioma patients express the WT1 antigen, which would allow a majority of patients to potentially benefit from the vaccine. 
Research shows the vaccine is especially effective as an enhancement to treatment, mostly in preventing recurrence after first-line therapy such as chemotherapy, surgery and radiation. 

Garlock, EnPro Reach $480M Settlement for Asbestos Claims 

EnPro Industries agreed to the multimillion-dollar settlement of Garlock asbestos claims against the company’s bankruptcy trust fund. The settlement was reached with the court-appointed committee representing current claimants and legal representatives for future claimants. Now, Garlock asbestos victims may finally have access to the financial assistance they rightfully deserve.

New Study: Asbestos Related to Most Common Kidney Cancer 

An Italian study shows asbestos exposure may lead to the most common type of kidney cancer: Renal cell carcinoma. The link to kidney cancer adds to the horrific history of asbestos, a substance definitively connected to mesothelioma, lung cancer and other respiratory illnesses. This exemplifies the serious dangers related to asbestos exposure and serves as a reminder for people with any history of asbestos exposure to diligently monitor their health for any possible changes.

Mr. Fluffy Asbestos: Photos Educate Canberra Homeowners 

New photos show the extreme contamination endangering Canberra residents living in homes with Mr. Fluffy brand loose fill insulation. Australia’s Asbestos Response Taskforce shared photos in order to raise awareness about how toxic fibers can migrate through homes. It’s important to remember that asbestos is not banned in the U.S. and many homes built before the 1990s may still have the deadly substance lurking behind walls and in ceiling tiles. 

Comedian Quincy Jones Has Mesothelioma, Lands HBO special 

In a story that collectively broke the mesothelioma community’s heart, young rising star comedian Quincy Jones was diagnosed with peritoneal mesothelioma. Given a heart-wrenching prognosis of just one year, the young star set out to raise awareness and leave a comedic legacy behind. With the help of TV star Ellen DeGeneres and HBO, Quincy was able to live his dream by hosting his first one-hour comedy special. 

Johnny Lattner: Heisman Winner and Steeler Dies of Mesothelioma 

Heisman Trophy winner and two-time college football All-American Johnny Lattner died of mesothelioma in February 2016 at the age of 83. Diagnosed with the asbestos-related cancer in September 2014, the well-known football player cited his two years in the U.S. Air Force and his summer jobs in college as his exposure sites. This serves as a reminder that U.S. veterans are at a high risk of developing mesothelioma because every branch of the military used asbestos. 

Dedicated to Continually Increasing Mesothelioma Education 

All of us at The Mesothelioma Center are committed to raising awareness about mesothelioma and the dangers of asbestos. Throughout 2017, we will continue to share information about recent innovations from the mesothelioma research community. 

 If you would like to stay up-to-date on our latest news articles and blogs, sign up at the bottom of this page for our newsletter.

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Blood, Organ, and Other Medical Donations In USA | Help

Donate Blood 

Donating blood is a simple way to help save a life. If you're a first time donor, let the organization know when you make your appointment and ask

• Is there is something you need to do ahead of time to prepare?
• What are some of the potential adverse reactions to the procedure? 

The government monitors blood and blood products to make sure blood is handled properly and that you're safe as a donor or as a transfusion recipient. Learn more about blood monitoring for safety. 

Where You Can Donate 

The American Red Cross and the United Blood Services are nationwide organizations that manage blood donations. They are not part of the federal government. 

The Armed Services Blood Program (ASBP) is the official blood program for the U.S. military. It is part of the federal government. Most blood products are for ill or injured service members, veterans and military families worldwide. 

Register to Donate 

• Call the American Red Cross blood donation hotline at 1-800-RED-CROSS (1-800-733-2767) or visit their website for local blood drives and Red Cross regions. 
• Visit the United Blood Services website for local blood drives and donor centers.
• Civilians can donate blood at an ASBP blood donor center on a military installation only. Restrictions apply on who can donate. See the ASBP website for a list of military donor centers.

Donate Organs and Tissue Organ and tissue donation and transplantation provide a second chance at life for thousands of people each year. People of all ages can be organ and tissue donors. There are few reasons a potential donor may not be suitable (such as HIV infection, active cancer, systemic infection) and no strict upper or lower age limits. Read inspiring stories and learn how the processes of organ donation and transplantation work at OrganDonor.gov. 

Donate to People 

• Sign up to be an organ and tissue donor through your state organ and tissue donor registry. 
• Find answers to frequently asked questions about organ and tissue donation. 

Donate to Science 

• You can donate either your complete body or specific organs like your brain to help medical research. 
• Contact the medical facility or research study of your choice to make donation arrangements based on what area of research you want to help. 

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insurance policy for a child is a great gift idea | Help

Give Your Child a Financial Head Start 

The purchase of a whole life insurance policy for a child is a great gift idea
It offers both a financial head start for the child and financial protection for the parents. A Whole Life policy is the type of policy that accumulates cash value over time. 

Therefore, if a family member contributes a relatively small amount of money towards the purchase of a whole life policy on a toddler, someday the beneficiary could consider the matured policy to be a valued gift that provides protection.Some experts say that child life insurance is not a sound financial move. 

They argue that it’s not necessary to purchase children’s life insurance because children are not assets that need protection. In other words, they argue that the only family member needing insurance is the financial provider. However, there are many reasons that those arguments are flawed. For example, some unavoidable health problems could prevent your child from purchasing insurance when he or she is grown. 

Or in the event your child works in a hazardous occupation, engages in dangerous activities, or becomes uninsurable for any medical reason, his or her only option could be to pay for an expensive high-risk policy. Now try to visualize the fact that someday your small children will have their own families. Think what it will mean when they realize that the policy you had the foresight to purchase when they were children is now serving as protection for their own families.

By purchasing your child life insurance when they are young, you guarantee that he or she will always have life insurance coverage. 

Therefore, besides the obvious financial benefits of purchasing a children’s life insurance policy, your children will grow up knowing that your caring concern gave them a financial head start in life.

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SOFICAS Health Insurance in France - independent broker since 1988 | Help

Our job is to solicit the largest insurance groups to bring you the best financial and technical solutions regarding your individual health insurance needs in France.  
We cover the whole of the French territory and we specialize in Health Insurance, Top-Up and Full Private cover, for the English speaking population living in France, or on the point of doing so. For over 15 years, SOFICAS has specialized in health insurance for English speaking people and has obtained important means to bring you a high quality service. 

Established in 1945, the French public health programme, called the 'Securité Sociale', has undergone many transformations, and continues to change depending on European economics and National Health matters. Keeping up with these changes made to an already complicated system and understanding how differences could affect each individual is the main reason why people recommend SOFICAS.

SOFICAS will guide you through the tedious task of getting into the French Health System, but that’s not all ! SOFICAS can accompany you thereafter with your French Health, Top-Up or Full Private Health Insurance needs in English. 

The Top-Up system has become a way of life for the French. Health services have become increasingly expensive and Government reimbursements have decreased considerably over the years. However, many have family or friends that have experienced the excellent French health services and they will tell you,  

"Thank goodness we had a Top-Up!" 

During this financially demanding period, people are hesitant to give up their Top-Up insurance to save money but prefer to re-examine their existing policies. Ironically, when SOFICAS is contacted to make comparison, people realise that they have often been underinsured and / or overpriced. 

It is not unheard-of, to get a higher level of cover through SOFICAS and to pay lesser premiums

 

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