The information, products and services provided on this site are in furtherance Read More. To Other Site s? This web site contains links to other web site s, including third party organizations that provide ASCE member benefit programs. ASCE is not responsible for the privacy policies In many cases, for the next decade or two water would fill The site makes it easy to email or tweet the grades di rectly to elected officials. In addition to the national grades, you can also explore The summit included a series of site visits for attendees to see in-depth, first-hand views The rule also would require public di sclosure of all sources, volumes, and specific composition of all water used in well stimulation and the di sclosure of all di sposal of well treatment The proposal is di vided into four main parts : funding and financing infrastructure improvements, additional provisions Sarum College is an ecumenical study and research centre with an international reputation for excellence in theological education and spiritual reflection.
Sarum College offers a distinguished location for meetings, conferences, events and functions with full catering services. Sarum College Bookshop is Salisbury's most established independent Christian and theological bookshop. The Sarum College Library has an outstanding academic theological collection of more than 40, books covering all denominations. Find out more about what Sarum College Principal James Woodward has been reading over the Easter break, and why you might like to read these books too.
A review of Finishing Well — A … Read more. In the lead up to the festival of Christ the King, this course seeks to inspire you with a vision of Christ as the Word of God. We will look together at John 1. Elijah the Prophet is portrayed in Judaism and Christianity as a prophet who never died. The biblical Elijah was a zealot who performed miracles and ascended to heaven in a chariot of fire.
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Mountain Lion, MS Office, lots of graphic-design software, etc. Can give Mac introduction course. For Sale; Original monster guitar connector to minijack. Connect your electric guitar to your computer via the audio input for recording, and music software Garageband, Guitar Pro, etc. For Sale; Portable massage table in good condition with cover but no head rest. Wooden leg, Rp. SMS for photos. All offers negotiable. Please contact For Sale; Original monster cable iCable. Gold plated high quality connect stereo minijack to RCA inputs red-white on your stereo system.
For Apple, Blackberry, laptops, or anything with audio output. See the product and how it works at Toko Damai Sejahtera, Jl. What do you mean Cynthia? Why not? But why? Did he seduce you with a chair in his hand? Ronaldo really knows how to look after a woman. Not only that I want a man with prospects, with a future to look forward to. You were out with the lads and after a skinful of ale they talked you into getting that tattoo. There are certain times in our lives when we need to think very seriously about what we really want.
People with money often think they want a big house. Lots of rooms and large rooms of course. First where do you want to live? George his name has been changed to protect the mentally incapacitated is as happy as a cat in a microwave. Veins bulging purple with hysteria he goes running out of his house shouting at passing people. This man is not where he belongs. Half an hour later, he was as bored as an ant eater with a runny nose.
To relieve the boredom George creates drama on his driveway with any victim he can find. It is probably a good idea before buying land to consider your living routines. If you are a person who enjoys your own company living on a mountain top. Even living in a place like Lovina may require a fortnightly two and a half hour drive to the big smoke with a chiller box to get your supplies of bacon, bread, butter, sausages, pies, oh and one of those nice little cream tarts with blueberries on top.
Then of course with a dramatic increase in traffic and the resulting traffic jams it is important to think carefully about the regular haunts you like to visit and how you travel between them. I am aware of people who live in places such as Ungasan who curse the journey past the airport to get to their bank or take their car to be serviced which these days can take up to an hour and a half at the wrong time of day.
If you are new to Bali it is worth doing some research about how your new life might settle down. Make a list of the places you will want to visit on a regular basis and how often you will go. Then consider the route you will have to take. In my regular routine convenience is an important aspect of my life, perhaps you might find the same. How big a house do you need? You might notice there are plenty of houses that are ridiculously large. One particularly stands out. I think it was the clouds forming in the living room that first alerted me to the shear scale of the place.
This was a typical ostentatious house. You immediately entered a humungous living room with an open kitchen the size of a tennis court in one corner, a bedroom strangely situated off to one side and an awkward staircase up the back. It was obviously designed by a prison guard on a bad day. Once upstairs it got worse with awkward shaped bedrooms placed at strange relationships to each other. It would have been like living in Note Dame and if you remember the hunchback used to climb up and down the gargoyles and swing around on ropes, no wonder he had a bad back.
Big houses should have big gardens although I have noticed there is a tendency these days to build the house right up to the boundaries of the property. All very well if you have open spaces around you but when everyone else does the same thing you end up living in a sea of concrete boxes with no breeze, lots of noise, no privacy and certainly no trees. Is this a nice lifestyle? How many rooms do you need? No I mean really need?
Is the Red Army coming to stay? Wazok going to drop in for a barbie perhaps. Most likely cousin Cedric will pass through once every three years and that annoying man who used to live next door will be visiting once too often. Will it be necessary to open up the Western wing for the guests? Perhaps a second bedroom upstairs or a granny flat at the bottom of the garden might be a little more appropriate. How big should the rooms be? I remember a house where when you crawled into bed and remembered you left the oven on it was 3 day trek with porters to go to the kitchen and back.
Yet another house where the owner had a problem. When the architect gave him the drawings he felt the rooms were too small. Sitting on the sofa you needed binoculars to see the television set. They had plenty of furniture but it simply vanished into such large spaces. Remember the proportions of the pieces of furniture must suit the proportions of the rooms and unless you are going to do a bit of shipbuilding in the evenings or Uncle Bernie with his bad breath comes a calling on a regular basis a vast living room is not very practical.
Kitchens particularly need to be practical with things within reach and we will talk about this another time. Of course everyone with a villa wants a pool but how many people actually use it? Having been to literally hundreds of houses with swimming pools I can count on one hand how many times I have seen one being used.
What do you really want in a house? Ronaldo probably lives in a caravan. Phil Wilson Opinions expressed are those of Phil Wilson. He can be contacted through the websites at www. Dewi Sri No. One call does it all with Super Handyman!! Phn : or Service you can trust!! For Sale; Compaction machine, fully imported from Japan. Robyn engine, the very best money can buy. Cost over Rp. Ideal for sand or soil or crushed stone.
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Stop screaming and fi t your own mask before assisting children or adults behaving like children. They are protesting over the decision by airport operator Angkasa Pura I to re-tender airport trade booths. Ngurah Rai Traders Association chairman Wayan Sukses said the airport expansion would displace traders who have made a livelihood at the airport for years.
The issue is complex. The politicians who nominally have charge of the matter need to publicly acknowledge this singular, if uncomfortable, fact of life too. Commission I chairman Made Arjaya, who would like Angkasa Pura to postpone any tenders until after talks with existing traders, should note this.
Tenders should be open and the process transparent. Several things are wrong with the way the airport has operated. The redevelopment is an opportunity to correct them. The extortionate taxi monopoly should go for a start. My knees are sore. I went arse-up on a wet terrazzo floor He did however attend many of the events, noting that some of the panel sessions were good value, if you could sneak in without a tag.
The ushers are young volunteers, untrained, unpaid lovable local Balinese who would never ask you to show your non-existent tag beneath the brochure. Squeeze yourself into a seat. No usher has the courage to meander through the audience to challenge you for your credential. Keep that brochure tugged against your chest. On the last day a beanstalk of a young Australian female usher kept signalling me across the audience to remove the brochure from my chest so she could see the tag.
I kept smiling back at her which made her signal more frantically. Eventually I blew her a kiss which disconcerted her so much she dispatched one of her underlings, a young Balinese, to investigate. Stay and enjoy. Co-founder Deborah Gabinetti and co-founder actress Christine Hakim announced the programme earlier in the month in Jakarta. In the absence of an international film festival in Indonesia, the Balinale has become the leading film event in the country.
Perhaps this might eventually prompt remedial, or at least catch-up, thinking elsewhere. The festival opened with the latest movie by director Salman Aristo, Jakarta Heart. The movie will be released nationally on Nov.
His latest movie, a crime thriller, features some scenes shot in Karangasem, East Bali. Not to mention the tourist trade: the place was packed. Compliments were sent to the chef. They had earlier asked if the Diary was familiar with tempeh and warned that the dish was rather spicy.
It was a brisk walk — the breeze was a tad chilly though many of the locals apparently thought it was high summer — of just under 55 minutes. We were, we decided, the tail-enders in the breakaway serious walker cohort that led the way throughout.
About people walked and a substantial sum was raised for this vital cause. The beachside pathway also a cycleway system in Busselton features miniature road markings, possibly in an attempt to remind cyclists that their machines do have brakes. They also feature dinky little walking-figures and colourful feet impressed into the paving. It makes life interesting. We considered trying it on our morning walks here at home, after getting back on Oct.
But we thought better of it in the end. Hector can be contacted at reachme61 yahoo. Looking for; A SUP long board, nose rider. EF L, Rp. EF 35L, Rp. For Sale; Icom 2m band transceiver, HT, power supply. SWR adjuster, Yaesu citizen band and accessories. For Sale; Baby car seat. Maxicosi Pebble kg from birth on Rp. All brought from Europe, excellent condition. Call Katya Extend iphone battery life up to 3 times as long. Never be caught with dead battery again. For Sale; Paragliding harness.
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Launch brand has all Western standards safety locks. Two post four ton heavy duty only used ten times. Cost nearly Rp. Pork has been on the menu in Bali for a long, long time. The Hindu Majapahit began moving into Bali from Java in the 14th century, bringing their culture of pig rearing and consumption with them.
But the prehistoric Balinese had already been using the sharpened bones of wild pigs as tools for millennia and presumably enjoying roast pork when it could be had. In recorded history the Balinese have always kept and eaten pigs. This affection for all things porcine thrives at every level of Balinese society. Pigs are killed to mark ritual occasions. When I first came to Bali in the late s, these were black, swayback pigs, probably introduced from China or Vietnam long ago. Now the swayback Bali pig is rarely seen, replaced by the meaty white Australian hybrids.
When pumped with hormone-laced chemical feed to fatten them quickly, these pigs can balloon up to kg in four or five months. It takes a naturally fed pig six to eight months to attain kg. And yes, these hormones are passed on to the consumer. According to Karen Waddell www. Any leftovers are immediately given away or packaged in banana leaves and steamed.
Babi guling is another iconic menu item. A whole young pig is stuffed with herbs, spices and aromatic roots and spit-roasted over an open fire until golden. Then there are blood sausages, satay and stewed pork. Nothing is wasted. So where do all these piggies come from? This proves to be an enormous white boar, huge testicles swinging, being led with a bit of string tied around its neck to a romantic interlude.
It seems that the Balinese are happy to use artificial insemination for their cows, but many prefer to make piglets the old-fashioned way. The string around the neck is symbolic. He has no desire to run away. This is one very contented pig; life is not boaring. His career as neighbourhood stud may continue for a decade. Eventually, of course, he will end up as lawar. Some boars, like the one on the photograph, are provided with transportation. I was told that this is to conserve their energy for the passionate encounter to come.
My staff, who are in the pig business in a small way, turn up their noses at chemical interventions. Why would you pay good money for commercial pig food when you can feed them for free on banana trunks, rice bran and sweet potato leaves? One five star hotel near Ubud buys three or four a month. Wayan Manis has a special kitchen in the compound where she cooks up their daily porridge with a little salt for flavour. After dinner they enjoy a bath and sometimes a brief massage. Before the island became so prosperous, meat was a luxury.
Wayan tells me that when she was growing up, all the rice her family grew was sold for badly needed cash. They ate sweet potatoes for carbohydrate, greens from the fields, tofu, eggs and sambal. When rice was eaten it was mixed with sweet potato or corn to make it go further. For many Balinese, the pig that was slaughtered every days for Galungan and Kuningan may have been the only meat they tasted in a year.
In the poor areas of East Bali, this is still true. Galungan is not a good day to be a pig in Bali. Preparing the pigs for ceremonies is a convivial neighbourhood affair. The men wake in the early hours of the morning, dress in ceremonial clothing and gather to slaughter the pigs. They then sit around for hours companionably chopping meat, spices and other ingredients into microscopic pieces for lawar. When is a lady pig ready for love? Everyone I spoke to had a different suggestion. She would lose her appetite.
She would cry. Interesting things would happen under her tail. She would become aggressive. Whatever the signs, when the time was right a single visit from the stud for hire was sufficient to eventually bring 10 — 15 piglets into the world. Now my dogs, my hens and some of my friends have a strong focus on food, but they are still glad to see me even when I turn up empty-handed A few years ago I kept pigs myself. Remembering my first visit to Ubud in and the charming little swayback piglets that trotted freely along the dirt lanes, I asked Nyoman to find me a couple of traditional Bali pigs.
This turned out to be quite a challenge but eventually he located some in Karangasem and brought them home. They were 6 weeks old, the size of puppies and quite enchanting. They immediately escaped through the fence. Small as they were, they were already very strong, determined and extremely hard to catch. During their brief spell of freedom they managed to plow up the entire vegetable garden.
We parked them in a disused aviary while constructing a wall of cement blocks. They escaped again. Finally they resigned themselves to captivity. Pigs are said to be as intelligent as some dogs, but if this was true it was soon clear that inter-species bonding was not on their agenda. In fact, they had a very short agenda with just one word on it. That word was FOOD.
Now my dogs, my hens and some of my friends have a strong focus on food, but they are still glad to see me even when I turn up empty-handed. Not these girls. They would scan me with their disturbingly intelligent little eyes and if I was not bearing a pail of scraps from the Bali Buddha kitchen, I was invisible. When they were still small I would take a cup of tea into their paddock some afternoons for a visit, hoping to befriend them. Their pretty paddock looked like a bomb site in a week.
I tried hard to find them attractive and engaging but they would not meet me halfway. These pigs did not want to be my friends. All animals are charming when they are young, but mine quickly outgrew any appeal on their single-minded mission to become eating machines. Pigs, like people, will keep putting on weight if they keep eating. After a few months even Wayan was afraid to go into the paddock with them. Although sadly lacking in character and affection, I must admit that the pigs did not smell.
In fact they were very careful about doing their business in a far corner and covering it with leaves. What did smell was the leftover food. A pig is not a dainty feeder. Towards the end of our time together I would approach the pen with two heavy buckets of scraps, quickly tip them out into the trough and immediately retreat. The girls, now huge, would lunge right into the trough and snap viciously at each other over favoured morsels they did not like each other very much, either.
Inevitably some food would be trodden into the mud, where it soon began to stink. Pigs and humans are both omnivorous mammals that gain weight easily and are susceptible to the flu. Somehow we evolved to be at the top of the food chain. And thank heaven for that. E-mail: ibukatbali gmail. Jalan Suweta No. The scent of possibility a heady pheromone was in the air making everybody perky and talkative.
This time I was one of the presenters. About thirty participants partook in the feast of Indonesian food, wine and readings. Words held us enthralled but the Reog Ponorogo masked dance performance knocked our socks off. The performance involved a Javanese dancer going into trance and behaving like a horse. During the course of the dance he transcended into a shamanic state where he was able to eat slices of glass and several burning coals as if they were candies.
I attended several panel discussions and interviews. The Neka Museum venue was packed, standing room only by the time I arrived. The audience of about people was relaxed but attentive. How did he choose the title Middlesex? When asked to read from his book, he chose the first page.
I was hooked in the first sentence. That, I thought, is the power of great literature. Steven Pinker in The Better Angels Of Our Nature, goes further than developing empathy in children, he claims that the advent of the novel and greater literacy helped civilize England and Europe in the eighteenth century.
So, perhaps there is more to fantasy and imagination than mere entertainment. Raya Andong I took a half- day writing workshop. I felt like I was in recovery group and found myself confessing all my fears about the trouble I was having finishing my novel in one big blurt-out, and then sat stunned at what I had done. No one laughed or dismissed my dilemma. I realized I was in the company of kindred souls. My issue could be resolved by sheer persistence. Social dinners at the festival provided an opportunity to meet writers and readers from places I hope to visit one day.
Nury is a witty and slyly wise commentator on all things literary. He is a doer, a mover and a shaker in literary and journalist circles. This is one of the few festivals where participants always say: I must find an excuse to come back, and many of us are in serious danger of coming for a visit and staying forever.
Not a crazy idea in my estimation. I was grateful that there were a range of different kinds of events that writers could-and, even better, did- attend, which went a long way to demonstrating how much the festival wanted to ensure that writers were having a good time and were well taken care of.
I know that this festival will prove to be a boon to my career, because of the international scope of the attendees: I met a great bunch of people who I see myself continuing to be connected with in the future. Though living in Beijing made me take for granted the idea of having an international network, my time back in Canada has reset my scopes, and this festival really opened up the world to me, and showed me how amazingly large, and small, the planet is, and how important it is to be face to face with writers - and readers - from around the world.
Help is here. I Wayan Wija is one of the most widely celebrated and inventive masters of the Balinese wayang kulit. At the rate that Gede and the other farmers expand their range, I could be a busy woman. See email address at the bottom of every column. Many fine young campur adults here, as a result. Times move on and the range of schools and other activities for kids has grown. One valuable service is www. Genuine Napolese recipes, cooked by husband and wife team Piero and Nung, who aim to stay in the kitchen from opening to close to keep Napoli taste authentic.
Spaccanapoli di Ubud, P: Jl Pengosekan. Pak Komang says in most villages every bike is loaded up with plastic bags in the morning, coming from the market or warung. The smallest warung gives out until plastic bags per day, costing the owner approximately ,rp per month. The Tas Pasar Market Bag campaign targets small warungs and traditional markets, with posters plus nonwoven bags sold at cost, with the price 3,, rp printed on the bag. Warung owners save money as customers buy and re-use their own bags.
Komang has sponsored warungs around his own village; his banjar supported with larger banners. With 10, posters in production, Komang wants help to spread the campaign all over Bali. Email Komang at fit bodiku. And a brand new Nintendo Wii classic controller still in unopened packaging. Good condition, not snapped. Very light and strong. Truster FCS. With fins. Will the new complex include a trendy hotel?
Meanwhile, Jl Sukme, parallel to Jl Monkey Forest but much closer to the big statue, is having a facelift, or more accurately a footlift, with safe, walkable footpaths almost complete, down its entire kilometer length. Live music from 7pm by Crescendo. These writers spin a good yarn and the tales themselves are so interesting that an occasional lapse from perfect grammar is easily forgiven. Orders to: jrprconsult gmail.
Ubud Writers Group inquiries to: stevecastley gmail. For lease!! Guarantee money back! Chair 8 pcs, Rp All in good condition. Solutions start with awareness, which in turn needs education from the top using the powerful philosophy of natural balance between Man, God and Nature called Tri Hita Karana that supposedly imbues every aspect of traditional life, or once did.
Religious leaders need to be more proactive educating people about alternatives because few people will take the initiative themselves. Simply stopping people using plastic-wrapped candy in canang sari offerings or selling offerings in plastic bags would have immediate impact. The amount of plastic rubbish produced by Aqua gelas at ceremonies and parades check out the ridiculous amount of litter strewn on the streets at ogoh-ogoh parades for example is a tragedy.
Worshippers could be encouraged to bring their own drink bottles —this actually saves money and, for a population that still claims to have large numbers below the breadline, this should make plain sense. Religious leaders can become more active on TV and social media about the value spiritually and in terms of family bonding of making your own offerings and penjor that are not wrapped in plastic.
At the same time, they can encourage people to plant more flowering plants and trees which can be picked for offering flowers. Starting package Rp. For Sale; 10pcs glass aquarium size 75x40x30cm. Good for cultivation fresh water lobsters. Has a Belkin wireless network card, sell for Rp. More Gadgets Galore. Since we live in a place surrounded by water and with a climate that supports year-round water activities, in this issue I will concentrate on water proof gadgets.
This tough, compact, easy-to-carry design is ideal for both everyday and highly active use. The power turns on or off as soon as the LCD is opened or closed, and Quick Start recording begins in only 0. Expands the fun of video shooting even more. Touted to be the most advanced GoPro camera yet, HD Hero2 punches the clock as an amazing outdoor waterproof edition.
With integrated ability to withstand deep water levels up to 60m, the model indeed knows how to survive and let photography buffs catch their perfect moments. Tukad Pule No. Featuring a sleek 3. So whether you travel in dusty places, worry over possible scratches that could surface, or just happen to dip your toddler in a water tub, the Android-based handset takes care of everything for you. However as far as its fun side is concerned, you can explore it anytime, anywhere.
No problem: this case will protect your phone without stopping you from using it. Phone is fully usable once sealed in the case. And yes, it fits the iPhone perfectly. Class 5 Waterproof ; Keeps out dust, sand and dirt; Supplied with neck lanyard, carabineer clip and one desiccant sachet; and Fits most flip phones and taller phones.
Developed by Chinavasion, the promising Waterproof Bluetooth Speaker lets music enthusiasts happily indulge in their favorite songs while lazing about in the pool. With an amazing power to survive up to 30 feet of water, the well-built Bluetooth speaker indeed does bring a standstill to your listening experience. Rajawali System Solution Jl. Pura Mertasari No. With the Fujitsu Arrows Tab, that dream is a now reality.
Fujitsu launched the Arrows Tab at CES this year by dunking it in water, a feat made possible by its sealed edges. The lightweight Android tablet also has a Design improvements over the popular prior model include an expanded 4GB of memory and an easy-to-read LED screen.
Compatible with both iTunes and Windows Media. It also works as an FM radio, pedometer, stopwatch, and calorie counter. Completely waterproof and floatable, this is a must have for any water enthusiast or land lubber that loves music and appreciates multi functionality. The comfortable watch not only toughs water out up to 50 meters, but also allows you to seamlessly track your biking and running habits. Endowed with a distinct structure, the water resistant strip benefits from a special protective material to trim down the flow of electricity when in contact with water.
So whether you use it in the pool area or deep within water levels, the strip is completely safe to play on. Your Bali Gadgets Guru! All rights reserved. See our website for full details, including costs www. For Sale; Original PC games, original box, manual and media. All together Rp. For wedding mas kawin. Tools, and other tools and spare parts. Pratu Made Rambug, Perum Bumisanti no.
Indo-Ned will help you in running your business in Indonesia. Assistance for foreigners who have, or intend to have, property in Indonesia. Indo-Ned will also be your partner for business and administrative affairs including business reports, and monthly and annual tax.
Pengubengan Kauh No. Our Offices: - Jl. Raya Kuta No. Cikini Raya No. Bali : Jl. Cikoko Timur No. I guess a simple answer is: those who cannot afford it! Or perhaps to be more accurate, those who can afford it but prefer to spend their money on other things. Perhaps that is an over-simplification, but it is probably true that many people turn a blind eye to the need or think it is worth the risk avoiding it as nothing will happen to them. The fact is, like it or not, sudden death can strike anyone at any time.
In my 20 years in the financial services industry I have known deaths among clients of all ages, from children to those in their eighties, including a whole family wiped out in a plane crash. Admittedly, life cover is not needed by everyone. If you have no dependants or family there is little need to have a large lump sum of money pass to your home government. So for whom then is life cover essential? First and foremost, anyone who is the breadwinner, particular if a young family is dependent on him or her.
You may have a good job and a steady income, but if that were to stop abruptly you could be leaving behind not just a personal tragedy but a financial nightmare. Other instances where life cover is essential would be where a large mortgage has been taken out. Life cover should be sufficient to more than cover the repayment, failing which your surviving family might face eviction. If you have already built up considerable assets your family may be safe, but not necessarily from the tax man.
If you are British, for example, you may still be considered UK domiciled, even if you have lived in Bali for 20 years. If this situation applies to you it may be wise to take out a life policy that is sufficient to meet the tax liability. It will be expensive as you are probably middle aged or older by now, but the cost could be a fraction of the tax your family might have to pay. It is not easy to lose your domicile, by the way.
This would be a legitimate business expense and the purpose is to ensure that a significant sum of money would be made available to hire expertise and ensure the survival and prosperity of the business. It could even turn out to be life-saving so the trouble taken to apply for cover will have been more than worthwhile. Mertanadi No. From the financial standpoint dependants would now remain at risk. The best way to compensate would be to allocate what would have been the insurance premiums to a savings plan and to make an effort to build up wealth faster than would otherwise have been the case.
How much insurance cover do you need? This is where you need to take out your calculator and make some realistic projections. In the case of most professionals with young families a million dollars would probably not be excessive. Cost of course is an issue. There is little point in committing to a premium that you cannot afford to maintain, resulting in possible cancellation, loss of cover and all the premiums you have paid.
At the end of the day you may have to compromise, but having a modest level of cover is infinitely better than no cover at all. The two main types of life insurance Fortunately there are two main types of life insurance, one of which is much cheaper. If cost is an issue this is the one to opt for. It is known as Level Term Assurance. You decide how many years you need to be covered, typically between 10 and The premium is then based on the average cost of cover over the term but it is fixed at the outset and will not change.
Also, if you have satisfied the underwriting conditions cover is guaranteed irrespective of any change in your medical condition. The only downside is that the policy has no surrender value and when the term ends you are no longer covered. But you will have been protected and had peace of mind during the critical years.
The other kind of insurance is Whole of Life. In this case the premiums are much higher but after an initial period an investment value starts to build up. Depending on the size of the premium and the performance of the underlying investments you may be able to stop paying premiums at some point as they can be funded by the investment.
Or you could cancel the policy at any time and have a big party! Why delay can be expensive Time for action — or put it off for another day? But should any medical condition arise it may then be impossible to obtain cover or if it is obtainable it will be conditional or subject to a heavy premium. I recall a case where a man had to have life cover as a condition of employment. Unfortunately he had developed a minor heart ailment; he was offered cover, but at five times the normal premium.
Insurance companies are not charitable organizations; they perform an essential service but they are hard-nosed businesses. They want only fit and healthy applicants and will do all they can to ensure their risk is kept to a minimum. Apart from the result of medical issues premiums also rise with every year of age so the earlier a policy is started the lower the cost.
What if you are rejected for cover? Many are surprised to find their applications for life insurance are rejected, with or without a medical examination, even though they are in the best of health. Rejection may be due to a hereditary issue or a minor condition that could one day flare up into something more serious. Occasionally a medical exam will reveal a problem the applicant is totally unaware of.
As explained earlier, it could be too late should you develop a medical problem. Many people who desperately realise they need to protect their families cannot do so because they have left it too late. Perfect financial planning for you would entail living life to the full, have your money run out on the day you die and leave a cheque for your undertaker that bounces! He visits Bali regularly and can be contacted for advice at indonesia. You can read all past articles of Money Matters at www.
Fridge one door or 2, not older than 2 years, good working condition. Good quality office chair, with wheels black or grey preferred. Electric stove top2 elements. Or gas infrared 2 elements. Available at Kerobokan. Send e-mail address for photo Say What? Question: My daughter, now 25, has been engaged to a young man her age for about 6 months.
They are planning a wedding which mostly I am paying for. I see him as a controlling personality, which appears to me to stem from a sort of inferiority complex. Anyway, he seems to have chosen me as a target.
When they decided to get married, they chose a place for the ceremony that is more convenient for his side of the family than ours. I voiced some disgruntlement, and that started it. Without meaning to sound snooty, my daughter is a kind, lovely, well-raised and well-educated young woman.
At that point, he basically declared war against me. It should probably be mentioned that my 31 year old, unmarried son, completely independently of me, has also talked with his sister about his concerns over her choice of mate. The two of us know and love her more than anyone else in the world. I fear this guy is a classic potential abuser verbal if not physical , and I so want my sweet daughter to see the light and move in the opposite direction.
But she believes she loves him, and he is often very sweet and affectionate with her. That is, of course, absolutely not the case. She is a pretty, delightful person and deserves someone who is truly kind to her and shows respect for her mom. Please help. Both she and I are just so unhappy. I cannot seem to fake being happy for her under these circumstances. ZZ: Sad to say, faking happiness may be your only viable option in this situation.
Though certain life processes are ascribed to your control, deciding whom your 25 year old daughter marries is not one of them. Now, it is up to her — not you —. If she lacks the personal experience to make that decision without first running headlong into a brick wall, then that is what she needs to do.
This is her life for her to live, and her life for her to learn from. As her mother, you obviously wish to protect her from any and all harm. Like the rest of us, your well-raised, well-educated daughter deserves the opportunity to take life by the horns, suffer a few bumps along the way, and correct her course accordingly. In your wisdom, you may be able to sense warning signals that she has not yet learned to detect, but she may never grow to recognize and identify those signals unless and until she herself experiences the potential damage they can wreak.
In the meanwhile, this young man cannot be tried and found guilty based simply on suspicion of future events. He too needs to be given the opportunity to grow in the relationship and to learn from ramifications that the two of them co-create. Be there, as you always are, as wise counsel should she ask your opinion or require your assistance. Regardless of who she marries or where she goes in life, the two best gifts you can give her are 1. The confidence of knowing she deserves to be treated fairly, and 2.
The assertiveness to stand up for what she deserves. Question: This great woman at work has been flirting with me. Finally, rather awkwardly, I told her I fancy her. She said maybe we should have some tea together sometime. She is married with children. What should I do? Bali Main Office: Vayatour Jl.
Denpasar: Vayatour Travel Shop Jl. Gatot Subroto Tengah No. ZZ: There is no cheese down this tunnel. Then, be sure your body language is consistent with your words, and let her know you are not interested. You can read all past articles of Say What at www. ZZ has a Ph. Drawing on a background of over thirty years as a professional therapist, she offers self-help in the areas health, relationship and personal growth. All queries are answered by email and, if they appear in print, are subject to editing.
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This specific term will explore aspects of living in Christian faith, focusing on lived experience and putting faith into action through practical theology and ethical … Read more. Email info sarum. Skip to content. Easter Week Reflections: Reviews on books to read now Find out more about what Sarum College Principal James Woodward has been reading over the Easter break, and why you might like to read these books too.
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