Life Insurance If You Are Gay

You are probably going to need life assurance if you want to insure your health or your income should you become ill and unable to work- something which is especially important for single people or people with dependents, including a same-sex partner.There are also instances, like buying a house, when life insurance may be necessary.

Providers might want to know if you are gay.They will ask you to complete an application form which will include information on whether your partner is in the homosexual category.The enquiry may not be direct but the insurance company will subsequently send out an intrusive questionnaire on lifestyle.

It might be tempting not to disclose information or to give false details but this would only serve invalidate your insurance and is consequently a very bad idea.Furthermore, this can give rise to considerable difficulties when reapplying to other companies.

Once the form has been completed, you may then be requested to take a test to find out if you are HIV positive.There are no pre-set rules on testing and insurance companies are fairly random in their selection process.

If you do test positive for HIV, it will be difficult to buy products associated with life insurance.Simply taking the test itself can result in a refusal of cover by some insurers, even if the result is negative.
Even if you pass all the tests satisfactorily some companies will still double or treble your premiums.Most companies will insist on HIV testing for gay men who apply for income protection or critical illness policies even though neither would pay out for an HIV related claim.If you believe life cover has been unfairly refused, write to the Association of British Insurers at 51 Gresham Street, London, EC2V 7HQ.Phil Carvosso, of Carvosso & Co, a financial adviser based in Brighton, says: 'It is not nice knowing the insurer can claim rights to some of your blood.Understandably the test can be harrowing.

He recommends that you take the test on your own terms in advance of going to an insurer.To avoid insurance companies being allowed access to areas of your medical history, some people suggest getting drug or STD treatment at anonymous clinics which are available in nearly every town or city.The National Aids Helpline or the Terrence Higgins Trust should be able to help you locate a suitable one.Present guidelines used by the insurance industry in relation to gay applications are very out of date.The ABI has been considering new proposals thanks to tireless campaigning by gay IFA Chris Morgan and the Terrence Higgins Trust.

There has already been an agreement between The ABI and The British Medical Association whereby doctors should not be requested to give information on STIs and negative HIV tests.New proposals would make the risk assessment undertaken by insurance more up- to- date by ensuring that safe sexual behaviour, rather than sexuality, is the criterion.

Although it may be some time before new guidelines are fully implemented, gay applicants can normally still obtain the cover they need even in the present system.Independent Financial Advisors, specialising in gay finance can often find cover without any need for testing and on precisely the same terms that apply to heterosexual applicants.

Mr Carvosso recommends Scottish Widows which he feels is more sympathetic than some banks.Shopping on-line can also generate some of the best prices.theidol.com is reportedly one of the cheapest, offering all types of life insurance, including that for gay applicants.Isis Financial Planners (tel.08000 1960 69) also specialises in gay insurance.

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Textile Lasers

With the passage of time, the field of textile and its machinery has enhance a lot in many regions of the world. One of the important and most required equipment in textile industry is a textile laser. Textile lasers are used for last more than 30 years. Many companies are meant for making the textile lasers. The textile lasers are very useful for the people who earn from this industry.

Textile lasers are basically meant to increase output by pouring less input that is getting more profit by inserting les productive amounts. In past machinery itself took its complete expense and the output wasnt that satisfactory but from the time the textile lasers are invented it has brought new life to the earners and the industry of course by taking less time in performance and yielding better results as compared to its past. The textile lasers are worth than other machine, it is all about how to use it, and one can train its operator with the skills like combination of embroidery and screen printing, heat transfers, and embossing making the substrate the most perfectly done each time. Textile lasers do well randomly like in the screen-printing, the red bright lasers make the positioning more focused on the garment and panels not only this it also indicates the seams, pockets, plackets, and collars before printing. Thus the textile lasers produce a better situation when the operators works on the dark garment printing and the masks applied on it does not give clear appearance as used earlier times. Textile lasers work for a multiple embellishments and other substrates and this is the part of textile laser. The job done manually could be performed in less sophistication, many of the operator at first used to scratch their heads as they had assignments like printing and repositioning of the substrate to do in fixed time, this makes the results bogus and they are handed back with the same assignment thus causing the productivity loss. Textile lasers here save the time; it is it that has made life of the operator easier to tackle couple of assignments at a time with the use of textile laser.

The textile lasers usage made the replacing of the design or rearrangement in the existing pattern easier and convenient thus saving money, the textile lasers make the half of the capital investment and it saves the time and money both. The use of textile laser shortens the wastage, the lasers that are fixed on the machine, performs well and the set-up winds up the work in just couple of time and doesnt lengthen it much. With the textile lasers in use the machines are simplified and this reduces the operators complex working performance. Textile lasers are best used for the money and time saving, it of course than increases the productivity and benefits at the end of the day by chopping off the setup time. This performance is maintained by the accuracy in its working, the error free working directly promotes time saving. The textile lasers are friendly users; less skilled workers can easily tackle it with its simple eye measurement and guesswork. The textile lasers by some companies is built easier for the less skilled operators so that it takes less time to teach a new operator of it. Almost all textile companies favors its usage, it has solved a bundle of problems that an owner faced before its hiring. Textile lasers have been nowadays replaced by all old machinery. No doubt it is a good replacement of man labor. The textile lasers have few equipments of its own that are provided free with the laser. The screwdriver used to adjust the brightness levels is placed at the back of it and is provided with the textile laser. There are five different projected patterns you can select of your choice. The most famous is the 10 crosshair, than comes the standard Dot pattern with the visibility of up to 21 feet, line with the center dot and the cross of 2. These are innovated according to the utility at different stages.

The textile lasers have been helpful for the operator and the garment and it such a device that gives more than it takes.


About the Author

This article is submitted by Proel S.R.L, deals in Textile Lasers, Laser Plotter and Laser Cutting Machinery.

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Do Not Be Afraid to Start a Home Business Anyone Can Succeed

I truly believe there has never been a better and more exciting time to work from home as there presently exists. The Internet has opened a new and exciting chapter to working from home, & it is available to everyone. From school children to grand parents with no barriers from sex, race, color, creed or religion. Both men & women can compete on equal terms for pay & without any barriers. In fact some of these opportunities may offer even better chances & rewards for women, so come on ladies why not give it a look.

The present climate in the world is one of fear, recession, job uncertainty & ever increasing debt and rising prices. Each day our fuel & utility bills rise higher along with food and basic commodities. No one has a safe job anymore & businesses word wide are downsizing.

So what's the alternative & where can we find the comfort of job security? I believe the answer lies at your very own doorstep. OK it may not appeal to everyone but it is probably the biggest opportunity that most of us can take right here & now. It has the potential to give you a lifetime of security that you may never get in a job, with rewards that many people could never imagine or believe.

The problem with a job is you never really get paid your real worth, & no matter how well you serve your boss each week you rarely get paid more unless you work longer hours. However the Internet can offer a true leveraged income, if you are not familiar with this term it simply means that you get paid for not only your efforts & work but also from the efforts and work of others.

The great thing about some of these businesses is that you get paid even when you are not working, for example when you are asleep or on holiday! Some other great things about working from home and being self employed are you answer only to yourself, you get to work where & when you want. You can run your business around your family and social life & you only have to ask yourself for time off.

There are also many financial advantages that it has to offer. Some of these include income tax relief on the cost of many items for example, a portion of your utility bills to cover your home office, & some of the expenses of running your car. Don't worry about these things most accountants will give you a free initial sitting to point you in the right direction. Also most local tax offices will supply you with all the information you need for free. In your early days you may not need an accountant,

(Tip) Keep a separate bank account for your business. Keep all your receipts & keep them in a date order & in a month by month folder. it will save a lot of time and heartache trust me.

Keep accurate records of income and expense in date order, you can use one book with income on one page & expense on the opposite facing page, always try to keep a separate set of pages for each month with room at the bottom for monthly totals. (Tip) golden rule, update your book keeping on at least a weekly basis

OK this sounds great, so whats the down side? Well it is still a business & you will need to treat it as one. You will need to do work on a consistent & regular basis and it is important that you treat it as going to work & not a hobby. It's a really good idea to set aside a set number of hours you would ideally and realistically like to work each day, they can be as flexible as you like, however you do need to make a habit of working. I would recommend a minimum of two hours each day.

Providing you follow the above you will succeed, the only difference being the more hours you work the quicker you will see a return on your efforts. Don't treat it like a race, it's not a race its a journey and should be enjoyed as one, when done properly it will reward you greatly with freedom, time & finance.

I have tried many things over the last 35 years & ran several small businesses, however none of them compare to my current business & the rewards that it gives me.

My only regret is that I never realized that these opportunities were out there and within the reach of an ordinary person like me from a poor background.

I believe that the best opportunities are in Internet marketing & that they are without a doubt some of the most rewarding & exciting businesses that are currently available to everyone almost without exception.

Lastly it is important that you find a business that is honest, ethical & with a sound foundation.

(Tip) Here are some of the most absolute & important criteria you must look for in any business.

The company must a provide a full and free training pro gramme that you can follow, preferably with lots of video tutorials.

The company should have an email helpline, & offer personal 1 to 1 training, along with daily updates, web calls & training.

A personal mentor with his or her personal phone number, and a team of experts on hand to give you the back up that you will need in your early days.

I wish you well in whatever you choose to do with your life, just be sure that you never end up with these words on your lips

"I wish I had done that"

Best wishes Robert Waugh.


About the Author

Karen I are two ordinary people from good hard working families living in England, UK. We have found a way to help ourselves and others achieve financial freedom from home. We hope you enjoy the Free tour bonus we have to offer you. Best wishes Rob Karen. http://www.incomepool.com

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