Get the most effective Insurance Rate for Your Sports Auto

Get the most effective Insurance Rate for Your Sports Auto

Obtain the most effective Insurance Coverage Rate for Your Sports Car Owners of sports vehicles might be the ‘kings of the streets’. Sports automobiles provide terrific functions and also benefits that many automobile purchasers seek. More »

Term Life Insurance Quotes Online

Term Life Insurance Quotes Online

Term Life Insurance Quotes Online Obtaining a term life insurance quote online is as fast as the click of a computer mouse. You can avoid sensation pressured by any sales person since you control the whole process. More »

Make Your Health Insurance Plan Benefit You

Make Your Health Insurance Plan Benefit You

Make Your Health Insurance Plan Help You No matter how avidly you care for your health and wellness, there are unexpected conditions that can land you a day or 2 in the health center. More »

 

Female Genital Cutting (FGC): An Introduction

Female Genital Cutting (FGC): An Introduction

In the United States it is estimated that about ten thousand girls are at risk of this practice. FGC in a variety of its forms is practiced in Middle Eastern countries (the two Yemens, Saudi Arabia, Iraq, Jordan, Syria, and Southern Algeria). In Africa it is practiced in the majority of the continent including Kenya, Nigeria, Mali, Upper Volta, Ivory Coast, Egypt, Mozambique, and Sudan.

Even though FGC is practiced in mostly Islamic countries, it is not an Islamic practice. FGC is a cross-cultural and cross-religious ritual. In Africa and the Middle East it is performed by Muslims, Coptic Christians, members of various indigenous groups, Protestants, and Catholics, to name a few.

Definition:

FGC is a term used to refer to any practice which includes the removal or the alteration of the female genitalia. There are three main types of FGC that are practiced through the world: Type I or Sunna circumcision, Type II or excision, and Type III or infibulation. These three operations range in intensity, from the “mildness” of Type I, to the extreme Type III. Type II is a recent addition to FGC. I will explain in the next sections what each of these practices involve, and outline some of the short-term and long-term effects that they have.

Type I — Sunna Circumcision

The first and mildest type of FGC is called “sunna circumcision” or Type I. The term “Sunna” refers to tradition as taught by the prophet Muhammad. This involves the “removal of the prepuce with or without the excision of part or all of the clitoris (See the World Health Organization definition).

Type I is practiced in a broad area all across Africa parallel to the equator. Fran Hosken enumerates the following countries: Egypt, Ethiopia, Somalia, Kenya, and Tanzania in East Africa to the West African coast, from Sierra Leone to Mauritania, and in all countries in-between including Nigeria, the most populous one. There are also reports of Type I taking place in areas of the Middle East such as in Oman, Yemen, Saudi Arabia and United Arab Emirates.

Type II – Clitoridectomy

The second type of FGC, Type II, involves the partial or entire removal of the clitoris, as well as the scraping off of the labia majora and labia minora. This takes place in countries where infibulation has been outlawed such as Sudan. Clitoridectomy was invented by Sudanese midwives as a compromise when British legislation forbade the most extreme operations in 1946.

Type III – Infibulation or Pharaonic Circumcision

The third and most drastic type of FGC is Type III. This most extreme form, consists of the removal of the clitoris, the adjacent labia (majora and minora), and the joining of the scraped sides of the vulva across the vagina, where they are secured with thorns or sewn with catgut or thread. A small opening is kept to allow passage of urine and menstrual blood. An infibulated woman must be cut open to allow intercourse on the wedding night and is closed again afterwards to secure fidelity to the husband. Hosken also reports that infibulation is “practiced on all females, almost without exception, in all of Somalia and wherever ethnic Somalis live (Ethiopia, Kenya and Djibouti). It is also performed throughout the Nile Valley, including Southern Egypt, and all along the Red Sea’s Coast.

FGC is mostly done in unsanitary conditions in which a midwife uses unclean sharp instruments such as razor blades, scissors, kitchen knives, and pieces of glass. These instruments are frequently used on several girls in succession and are rarely cleaned, causing the transmission of a variety of viruses such as the HIV virus, and other infections. Antiseptic techniques and anesthesia are generally not used, or for that matter, heard of. This is akin to a doctor who uses the same surgical instrument on a number of women at the same time without cleaning any of them.

Effects of Female Genital Cutting:

Beyond the obvious initial pains of the operations, FGC has long-term physiological, sexual, and psychological effects. The unsanitary environment under which FGC takes place results in infections of the genital and surrounding areas and often results in the transmission of the HIV virus which can cause AIDS. Some of the other health consequences of FGC include primary fatalities as a result of shock, hemorrhage or septicemia. In order to minimize the risk of the transmission of the viruses, some countries like Egypt made it illegal for FGC to be practiced by any other practitioners than trained doctors and nurses in hospitals. While this seems to be a more humane way to deal with FGC and try to reduce its health risks, more tissue is apt to be taken away due to the lack of struggle by the child if anesthesia is used.

Long-term complications include sexual frigidity, genital malformation, delayed menarche, chronic pelvic complications, recurrent urinary retention and infection, and an entire range of obstetric complications whereas the fetus is exposed to a range of infectious diseases as well as facing the risk of having his or her head crushed in the damaged birth canal. In such cases the infibulated mother must undergo another operation whereby she is “opened” further to insure the safe birthing of her child.

Girls undergo FGC when they are around three years old, though some of them are much older than that when they undergo the operation. The age varies depending on the type of the ritual and the customs of the local village or region.

Justifications:

In various cultures there are many “justifications” for these practices. A girl who is not circumcised is considered “unclean” by local villagers and therefore unmarriageable. A girl who does not have her clitoris removed is considered a great danger and ultimately fatal to a man if her clitoris touches his penis.

One of the most common explanations of FGC is local custom. Women are often heard saying that they are unwilling to change these customs since they have always done it this way and are not about to change. Oftentimes the practitioners are kept ignorant of the real implications of FGC, and the extreme health risks that it represents.

Family honor, cleanliness, protection against spells, insurance of virginity and faithfulness to the husband, or simply terrorizing women out of sex are sometimes used as excuses for the practice of FGC.

Some people believe that FGC is a barbaric practice done to girls and women in some remote villages in foreign countries of the world. However, up until a few decades ago, it was still believed that the clitoris is a very dangerous part of the female anatomy. Who can forget S. Freud who stated in one of his books entitled Sexuality and the Psychology of Love that the “elimination of clitoral sexuality is a necessary precondition for the development of femininity.”

As recently as 1979, the “Love Surgery” was performed on women in the United States. Dr. James E. Burt, the so-called Love Surgeon, introduced “clitoral relocation” (i.e. sunna circumcision) to the medical establishment. He believed and acted upon the idea that excision does not prevent sexual pleasure but enhances it. Dr. Burt practiced in Ohio for almost ten years before he was exposed after which he gave up his license.

Because of the large number of cases of FGC and some of the deaths it has caused, FGC is now outlawed in some European countries (Britain, France, Sweden, and Switzerland) and some African countries (Egypt, Kenya, Senegal).

Eradication:

It is also important to note that even though FGC is currently illegal in many countries in Africa and the Middle East, this has not reduced the number of the girls that are mutilated every year. The governments of these countries have no way of monitoring the spread and practice of FGC. The United Nations, UNICEF, and the World Health Organization have considered FGC to be a violation of Human Rights and have made recommendations to eradicate this practice. However, trying to fight FGC on legal terms is ineffective since those who practice it oftentimes do not report it. FGC is also widely practiced in villages and remote places where the government does not have an easy access.

A better and more effective approach would be a cooperation on the national level as well as the international level. The UN and the WHO have already taken the first step in abolishing these practices. Countries also need to have rigid laws that deal with FGC cases. This is also insufficient by itself. Anthropologists, educators, social scientists, and activists have to go into these villages and areas and educate the practitioners of the dangers of FGC. Female Genital Cutting can only be abolished by a grassroots approach which would take into consideration all aspects of a particular culture and try to work within that system of beliefs to eradicate this practice.

In many cultures, FGC serves as an initiation rite, and any efforts to eradicate it must take this into consideration. Some of the most successful eradication efforts have taken place in areas where FGC was replaced with “initiation without cutting” programs whereas a girl still goes through some initiation rites but this time, without any blood.

On the United States level, there are many efforts that are being made in order to abolish the practice locally and internationally. The National Organization of Circumcision Information Resource Centers (NOCIRC), a networking organization have brought together social scientists and medical practitioners from all over the world who are fighting FGC as well as male circumcision. NOCIRC has also founded the FGC Awareness and Education Project in August 1996. One of the goals of the project is to create an FGC Module which will provide information and training material to health care professionals. NOCIRC has also organized the International Symposium on Sexual Mutilations.

The Research, Actiona & Information Network for Bodily Integrity of Women (RAINBO) has been conducting research and grass-roots programs internationally as well as in the United States on women’s reproductive sexual health as well as on female genital mutilation. On the National Level, Congresswoman Patricia Shroeder introduced H.R. 3247, a bill to outlaw FGC in the United States in the fall of 1994. The bill was then combined with The Minority Health Initiatives Act, H.R.3864. This bill was then combined with H.R. 941 on February 14, 1995 which was to be cited as the “Federal Prohibition of Female Genital Mutilation of 1995.”

The bill was passed in September 1996. Some overdue effort is being made to abolish FGC, but there is still much work to be done. Educating ourselves, as well as others is a way that we can begin acting upon the convictions that human rights should not violated, and that violence against women is intolerable. Many people are still unaware that practices such as FGC are still widely practiced, and only an awareness can bring this inhumane practice to a halt.

The Costly Lure Of Free Car Insurance

The Costly Lure Of Free Car Insurance

Although not a completely stagnant market, selling new motorcars in the UK these days is hard work. Combating this, one very successful way that car manufacturers have found to attract new buyers to the motorcar market in the UK is to offer the first year’s car insurance completely free with the purchase of a new motorcar.

Wonderful, but before you jump in and buy that new car, consider this:

  • if you are under the age of 25, while the first year of your motor insurance is going to be completely ‘free’ (i.e. paid for as part of a sales gimmick by the car manufacturer), subsequent years won’t be! So, before you buy that brand new SUV, 4×4 or sports car, you may want to enquire what the insurance will cost you subsequent of year 1 – otherwise you may well find you have the nicest looking car sitting on a car driveway in your neighborhood!
  • if you are going to buy the car using one of the car manufacturers’ payment hire-purchase payment plans, read the fine print to see if you are contractually required to use the same car insurance provider throughout the term of the hire-purchase period. If so, you may want to reconsider the value of buying your new car this way as there is a very good chance you can find cheaper car insurance elsewhere.
  • remember that even if you are the perfect driver and have no accidents or need to call upon the car insurance company’s services, it is going to have no bearing on the insurance quote for year 2. This is the case because you’ll not be credited with any ‘no claims bonus’ for that period.
  • if you decide to go ahead with the deal, check carefully to see what the car insurance exclusions are as, in most cases, the car insurance being provided for the first year is fairly basic and won’t cover you for a number of circumstances and events that you may automatically have assumed they would.

    There is little doubt that the lure of a year’s free car insurance policy as a marketing tool has been extremely successful, but faced with this and the opportunity to try and negotiate some free extras or upgrades with your new motorcar, you may very well want to consider taking the option of negotiating for the free extras or upgrades because in the long run the free motorcar insurance being given to you by your car salesman is going to be anything but ‘free’ and will almost certainly end up costing you far more than if you had arranged the car insurance yourself online.

  • Comparing Auto Insurance Quotes Online

    Comparing Auto Insurance Quotes Online

    Auto insurance refers to the insurance which is used for insuring the automobiles against any kind of uncertain accidents that may cause damages to the vehicle. The main purpose that the insurance serves is to give protection against the losses incurred due to accidents. Auto insurance is a type of insurance that consumers must buy to protect the life span of their vehicles and also for any kind of damages that the vehicle may suffer in an accident. Auto insurance is used to insure many automobiles such as cars, trucks and any other kind of vehicles that may need it. Different kinds of coverage are available under these insurance schemes such as Third-Party Foreign Theft and Fully Comprehensive insurance, to suit the interest and the needs of the insured.

    Before buying auto insurance, it is very important that the person requiring insurance analyses the companies that provide vehicle insurance quotes. Different companies offer different quotes for the insurance of the vehicle, so the consumer must look out for the best one, which suits his needs and which proves to be highly economical. Many companies also give different discount schemes to attract more and more consumers. The consumer can save a good deal of money while purchasing auto insurance by comparing the quotes of different companies and choosing the cheapest one which satisfies all needs.

    Comparing the quotes of different companies on the internet for buying insurance provides a wider platform to the consumer, where they can compare quotes from several companies and choose one among them. The main thing about choosing a quote is that the quote need not necessarily be cheap but the company must be an established one which the customer can rely on should they have an accident.

    The consumer should not only compare the quotes of different companies but also the company’s reputation and their way of service. While comparing, the consumer is more acquainted with the different kind of coverage that are available and can choose among them according to the needs. Buying insurance online is the most popular way of buying insurance because it is really fast and convenient, which suits to the busy life of people who have little time to phone around the various companies to relay the details of the insurance cover they are after over and over again. And the best part is that it is free of cost, i.e. no cost is involved in gathering the quotes online from different companies.

    Auto insurances are needed because of the reckless accidents that happen on our roads day after day. These can only be reduced once the certainty of the accidents is reduced. The companies quote their prices for insuring depending upon various factors like the age of person to whom the vehicle belongs, the location where the car is bought and supposedly to be used and also many other factors like whether the driver already has points on their licence. The details regarding the car, like where it is being parked, whether or not it is kept in a garage (which is supposed to have less risk of being stolen) and also the mileage of the car are also deciding factors. If the car travels less than a specific limit of miles then such cars are likely to receive some kind of mileage discounts.

    Do Not Get Caught Off Guard When It Comes To Life Insurance

    Do Not Get Caught Off Guard When It Comes To Life Insurance

    Having life insurance means you are looking out for those of whom you take care. You are giving them money when you pass to make sure they are okay. This article will give you a lot of tips about life insurance, and you will want to make sure you purchase this necessity.

    Life insurance providers are going to take your medical history into consideration when they are calculating the premiums for your policy. If you take medications on a regular basis, smoke, or there has been a diagnosis that cuts your life expectancy, you should expect to pay more for your premiums.

    Before making the decision to buy your own life insurance policy, check with your employer to see if they offer a certain discount or coverage on life insurance policies. Some employers will pay for a certain amount of coverage on life insurance, or will provide a discount toward your life insurance policy.

    You can save time and money if you buy a life insurance policy online. However, you should be extremely wary of scams. You should buy life insurance only from the official website of the company you are interested in. Do not buy anything from a third party website or from a company that operates entirely online.

    Try opting for a term-life policy. This is known as the best and simplest option for many Americans ages 20 to around 50. The cash-value life insurance policies can be a great option for wealthy people over 60 years of age. For the average person though, term-life insurance is a great option.

    Thanks to the popularity use of the internet, it is easier than ever to shop around and compare policies and companies. No need to rely on an agent to do all your research for you. If you know what you want, you can still buy through an agent, but just tell them the company and policy you would like to buy.

    Buy the coverage of insurance that you currently need. Don’t be pushed into buying more insurance by the insurance rep with intimidating statements of doom and gloom. Typically, most insurance policies allow for changes and upgrades should you decide to increase your coverage. Instead, stay within your budget and be sure to advise the insurance representative of your cost limitations.

    To make your premiums as low as possible you should purchase life insurance immediately when it is needed. The reason is because life insurance is cheaper when you are young and healthy. As a result, if you wait to purchase life insurance when you are older and in worse health, your premiums will be higher.

    You learned what life insurance can do for those you love. It can set them up with some extra money that can help them out tremendously. You read many tips on life insurance, and now it is time for you to purchase your own life insurance policy. Make sure you fully understand the different types, and purchase the policy that best fits your needs.

    Finding The Best Arizona Home Insurance

    Finding The Best Arizona Home Insurance

    To find a right home insurance is not an easy job. You should take certain steps to find better Homeowners Insurance. Here are some guidelines, which will help you in finding the best Arizona home insurance, if you are residing in or around Arizona.

    1. Estimate the total reconstruction cost of your home. Here are some factors, which will decide the cost to rebuilt your home.

    a. Local construction costs.
    b. The style of the house (colonial, ranch)
    c. The square footage of the structure.
    d. The type of exterior wall construction.
    e. Number of rooms in your house
    f. Cost of masonry, frame or veneer.
    g. The type of roof.

    2. Shop Around

    Get information about homeowners insurance from various sources like relatives, friends, phone book and Internet. Do a comparison of all the collected data. While comparing any two companies don’t consider the price alone. Look for other benefits as well.Choose an insurer who offers both excellent service and fair price. Choose a reputed company with excellent financial rating.

    3. Buy more than one policy from the same insurer

    If you buy homeowners insurance along with auto insurance from the same company then the company can take 10 to 12 percent off your premium.

    4. Improve Your Home Security and Safety

    Install burglar alarm, smoke detector or dead bolt lock. Some homeowners insurance companies are associated with security companies and if you install security device in your home they can deduct your premium by 20 to 22 percent.

    5. Look For Private Insurance First

    If you are residing in areas that are vulnerable to fire, costal storms or don’t buy a government insurance without making some study. It is better to check with a private company representative or insurance agent. Some times private insurance companies provide better options in low price.

    You can even apply for online home insurance quotes. Since your home is located in Arizona, you can apply for Arizona homeowners insurance. Online application is faster and saves a lot of your time to finding the best home insurance.

    It Is Not Safe To Live Without Health Insurance

    It Is Not Safe To Live Without Health Insurance

    Your health should be one of your most important considerations! You need to take care of yourself! Protecting your health includes having health insurance, so that you can afford to visit the doctor when you need to. Health insurance can be expensive and confusing, though. Here are some tips to help you navigate these waters.

    Buying long term health care insurance can be tricky, you must make sure the policy you choose is comprehensive. It must include various options for care, such as assisted living facilities, adult day care, or other. Some older policies covered only nursing homes without looking at any other options. You don’t know what you will need, so it is best to have choices.

    To make sure the insurance plan you choose is the right one for you, make a list of your priorities. When you know what’s really important for you to have in an insurance plan, it’ll be easier for you to see how well any given plan will fit your needs. Try comparing your list to every available plan and checking off every one of your requirements it meets.

    Read the fine print in your health insurance policy before you sign. If you wait to read the small print until after signing, you are stuck with whatever is written there. Insurance companies do not want you to read fine print, as it typically contains the seediest element of their policy.

    Plan for the worst when taking out a new health insurance policy. Health insurance can be expensive. However, even the cost of health insurance is pocket change when compared to the astronomical cost of some health bills. Take out a policy that won’t leave you completely bankrupt if an emergency hits.

    Consider the pros and cons of the different types of health insurance plans that are available. You will need to research Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), Point of Service (POS), Health Savings Account (HSA) and traditional indemnity. Find as much information as possible about each kind before enrolling into the program.

    Health insurance can be expensive if you have to pay for it yourself and don’t have an employer who offers a group policy. Short term medical insurance can cover you for six months to a year, while you find something else that works for you. It will protect you in the event of a major illness or injury and is often very affordable.

    Research a potential insurance company’s reputation. Even if you have been quoted an attractive rate, it is important to thoroughly look into an insurance company before signing on with them. Find out if they are in good financial standing, and not in danger of bankruptcy. Check reviews as well, as some companies have become known for dropping customers when they are in the most need and costing the insurance company the most money.

    As mentioned above, health insurance is a great way to make sure you can afford to take care of your health. Health insurance itself can be expensive, though, and it can be difficult to understand at times. With the advice from this article you should be better prepared to make good decisions regarding your health insurance coverage!