Archive for November, 2009

Are Most Herbal Colon Cleansers The Same?

Nov 30, 2009 Uncategorized

A herbal colon cleanse is a perfectly safe and very gentle process for eliminating built up toxins and undigested fecal matter, cleansing and restoring the large intestine, or colon.

The overly refined foodstuffs that you eat every single day, especially sugary and flour based foods, make you more susceptible to real intestinal problems, increasing your risk of contracting all kinds of other diseases.

Ensuring you have a properly functioning, healthy intestinal tract is vitally important to your overall general health.

Though many experts would disagree it is becoming more and more apparent with volumes of evidence that a colon cleanse program is a natural remedy effectively formulated to detoxify, cleanse and overhaul your digestion.

Thousands of happy consumers will tell you that a colon cleanse is beneficial and colon cleansing is taking the detox world by storm.

Virtually all herbal colon cleansers are made up of 100% natural ingredients. It should be noted however that most colon cleansers will not work well without drinking plenty of water too.

The effect of these products is to dissolve stagnant waste in the colon allowing it to be passed. Always bear in mind that often these products are so good it’s necessary to replenish the good bacteria in your gut afterwards. A big pot of natural yogurt will do the trick.

There are many popular colon cleansers on the market today and to be honest there is little difference in the composition of most of them. We have used and recommend the product linked to on this site.

This article is not intended as medical advice and should not be taken as such. Please seek the advice of a medical professional before embarking on any recommendations made in this article.

Women in Business

Nov 30, 2009 Uncategorized

Introduction

In today’s business world we are familiar with seeing women in senior and managerial roles, but being a woman in business brings whole new elements into play in the terms of values and attitudes in the business world. If you were to ask men if they regard women in business as equal most of them would probably concur that they do. If you ask women in business if they feel equal to the men, I think you will find they do not. A common reaction amongst men is that they do not feel comfortable working for a woman boss, although some men say they do not mind.

Although there have been a great many advances since the days of my mother who was not expected to work once she had children, women have still not reached the level of equality you would expect in this day and age. During the sixties, seventies and eighties there was a huge shift from the down trodden woman who was kept by their husband, to the independent woman of today who can fend for herself. But somewhere along the line I feel we have lost something that is of worth and that there is still some way to go to get the balance right. Studies have shown that women in business in many cases still receive less pay than men for the same work in spite of the legislation introducing equal pay.

Historical Attitudes

When I was young my mother stayed at home and looked after the children while my father was the bread winner. In those days young women who did work were expected to leave their jobs once they got married. It was seen as a insult on the man if he could not afford to support his wife. It did not matter how poor you were the woman still did not go out to work and she was expected to manage on the wages the husband brought home. In fact my parents got married and moved in with my grandmother because her husband had just died and she had lost her income. This way my [dad|father} took on the support of both women although my grandmother did some work, helping out two or three days a week for my uncle who was a butcher. Old attitudes die hard and it has taken several generations for it to become the norm for women to share in the burden of earning income.

My paternal grandmother who was also widowed however was a natural business woman. She used to have a ‘pack’ of clothes, mostly underwear which she carried around the local area to sell and the customers paid the cost of their purchases off weekly. Her business was a cross between door to door selling and a clothing catalogue. She had an instinct for business but lived out of her time so she only ever made a pittance compared with the opportunities of today.

Responsibilities in the Home

During the early years of my childhood the roles of men and women were clearly defined. The woman had the responsibility of looking after the family, children, husband and any other relatives who lived with them and the man was responsible for providing the money to feed, clothe and house everyone. It did not matter how little money the man earned the wife had to manage on it. In other words cut their coat according to the cloth.

We were blessed because although my father was a builder and therefore earned a great deal less than the miners in the mining village where we lived, my mother and grandmother were very clever. They made nearly all our clothes, baked and grew fruit and vegetables so although that did not earn us actual money it did however mean that they saved money and we had things we would not have had if we had to buy them. My mother was clever at managing the money such that people had no idea how poor we really were as we always looked decent (In Wales it’s called being ‘Tidy’) and had enough to eat.

It seems that for many women, things have come in a kind of full circle through the application of technology and the return of cottage industry styles of business, where a woman can work from home running her own online business whilst still being able to care for her family and home.

One of the easiest ways in which a woman can work more flexible hours is by doing freelance work. When you are freelance you can more or less pick and choose the work you do, and when you do it. I loved working as a freelance trainer because the work was so varied and interesting.

Throughout the world there must be thousands of women who have setup this kind of company creating and supplying products and services through ecommerce websites and managing to avoid having to compete in the ‘normal’ corporate world of business which is fast becoming considered an outdated and outmoded style of working to many, including a lot of men too!

Today’s computer oriented world is much more suited to the employment of women than years ago when work that required manual labour was too heavy for women. Even today in some industries, such as the building trade you will not find many women doing the actual manual work, although I bet there are some! Yes they do work in the trade but usually as administrators, organising the projects, managing the finances and arranging planning permission from the councils.

In other areas such as catering, nursing and teaching there is still a majority of women in these roles. However I have noticed, while spending quite a lot of time in hospitals lately, that there seem to be about an equal number of women doctors as men.

Having Children

During the sixties with Germaine Greer, burning bra’s and free love a change of attitude was generated. Then various recessions and higher expectations of standard of living saw more women going out to work to afford the luxuries of life. When my children were small, I stayed at home with them and did the things my mother did while my husband was the bread winner.

It worked well for us but at that time I would read magazines that made me feel I could not be fulfilled as a woman unless I was holding down a full time job or career at the same time. We ‘read about’ the modern man who was able to look after children and do housework (Although I didn’t see much evidence of it!) so that there was more equality and the woman worked to share the burden of earning a living. In this new world the main problem to overcome was that men could not physically have the children so a woman would have to lose ground on the career ladder if she wanted to have a child. The dilemma of having children and working will continue to vex both men and women in a future dedicated to equality for both sexes.

At the end of the day women are still expected to reproduce as well as hold down a full time job. A woman can have maternity leave and take six weeks off after giving birth, but any mother knows that it is a huge emotional wrench to leave your six week old baby in the care of someone else while you pick up your career again. Friends I know who have been the main breadwinners and still have had children, have ended up having sick leave for stress and depression after the birth taking as much as six months to a year off. I find this interesting because to me this is about the time you need to have with your baby before you can even thinking about doing anything else.

During the eighties and nineties women were challenging men in their top jobs and often giving up the idea of children to become like men. Margaret Thatcher was one but she was of no help to the cause of women at the time of her premiership, I guess because it was too hard won. I however started my own career about this time. My children were becoming teenagers and I spent some time deciding what I could and wanted to do and gradually started my own business career offering training in Assertiveness and interpersonal skills to businesses people. During the eighties and nineties I worked freelance visiting many different companies when running training programmes. I did do part time jobs that fitted in with school hours once the children were at school but felt I wanted to be there when the children came home. In my view the most important thing to focus on was raising the children to become well balanced useful citizens and it was a full time job.

One local mother I know has recently had a lot of success by creating a business where she builds her own websites. These websites are unique however, in that she does not have to stock products to sell, she does not have to deal with any customers, she does not have to work at any specific times, or at all if she doesn’t want to, and the business earns money 24 hours a day! Working from home, especially work with a computer, can allow mothers to be there for their children at the same time generate a useful income to support the family’s needs

She has made a business out of finding search phrases ‘ladies suspenders‘ which don’t have much competition and promoting them in the search engines online.

Old Attitudes Die Hard

During my career as a freelance trainer, working in different companies, I encountered many different situations. Being a woman in business which is dominated by men it was a tough call. Sometimes when I entered the office of the person interviewing me, the senior manager would start ruffling his papers on his desk as though to say “Look how busy and important I am”. Occasionally when I met up with senior managers whose desks were free of papers they would be the ones who had a clear idea of what they wanted and whether or not I would be able to provide the service they required. As I have a male sounding name clients were sometimes taken aback when they discovered I was the course leader and even more so when I worked with a friend and colleague who also had a male sounding name.

Having said that, sometimes the senior women in a firm were a lot tougher to deal with than the men were. Also when I was establishing the business I had a lot of help from some farsighted men who believed in me and thought I could do a great job. I survived the eighties recession when many other similar organisations were going out of business and eventually I became known and respected for my courses.

Inequality

As the work I did inevitably focused on the problems people experienced in dealing with colleagues I had a wonderful snapshot of the difficulties and challenges that existed within a company. In a group of twelve managers there would generally be two or three women and they would be head and shoulders above the men in terms of abilities because they had to work a lot harder to reach the same level. At the same time they had to deal with sexist comments, sexual harassment and put downs as the men attempted to try and feel superior to them.When running my training programmes some of the male delegates would try to find ways of deskilling me so they could be top dog of the day. They rarely succeeded.

Recently I saw a programme about race discrimination and one of the points made during the programme was that the majority group, ie the white people, did not see there was a problem with race issues although the black people experienced discrimination in many subtle ways. The key issue was that the group with the power are usually oblivious to the problem, only those without the power experience the disadvantage. So if you are a black woman in business you may find you are doubly disadvantaged, even in today’s supposed advanced world.

During the nineties there was a new firm started by a woman for women. The MD was so disillusioned about attitudes to women in business that she left and set up her own accountancy firm. She employed women who wanted the flexibility of having a career as well as bringing up a family and organised it so that they had flexible working hours, time off for maternity leave and part time work without losing out on the career path. It became very successful and could be seen as a model for other companies to follow.

Even the article we commissioned some time ago about ‘Five Things Women Should Know Before Starting A Business’ is condescending to say the least. And the tragic thing about it is that the person (a man) who wrote the article had no idea that it was so condescending. In fact the article is just general business advice that could apply to anyone both men and woman.

In our web design business we still find that quite often the men who we meet with appear surprised or disappointed that the consultant they meet with is a woman because paradoxically most of our telesales staff who book our appointments are men!

Women working in the computer industry may find it has the benefits of flexibility to fit in with child care and the possibility of working from home some of the time. In the more recent years it has been reported that many career minded women have given up applying for the top jobs because they find the demands on their time will not allow them to have any home life with their children. Instead they are choosing jobs with less responsibility so that they can leave the work behind when they go home. In recent years the terms ‘battle’ ‘war’ ‘fighting’ have been used to describe the competitive situation between rival companies. The terminology is indicative of a male approach and seems to eliminate the possibility of co-operation, negotiation and support.

There is no doubt that women have different criteria in the work place. They do think differently and have a more social attitude to their colleagues. Men by and large think more strategically and have an overall concept of the big picture. But that does not mean to say that women are not able to think strategically and that men can’t be sociable to their colleagues. Mostly it is dependent on the expectations we place on our children as to how they develop for their roles in their adult life. But over riding all that is largely to do with hormones and the survival instincts that are built into all of us. The male hunter is seen as needing to be strong and aggressive to bring home the bacon. The female as a counterbalance has to be nurturing and caring, tending the home fires while the mate is away.

My own Experience

When I was trying to set up a new organisation with a male colleague of mine, during the meetings he would say he would go and visit an MD of a certain firm. I was amazed because I knew from experience that getting in to see an MD was not always easy, but he had no doubts that he would be able to get an appointment to discuss our work. Having said that he never did do any sales pitches and the company never got off the ground. What really struck me though, was that as a man his assumptions and expectations were very different from mine. The male sense of inclusion in a man’s world, that a female in business is not party to, means that he will take for granted his power to connect with senior men in an organisation.

Conclusion

I am sure you have heard the saying that ‘behind every great man there is a good woman’. And I believe that is still true in organisations today. When visiting lots of different companies as I did, it becomes obvious that there was always the highly organised woman looking after the everyday running of the MD’s or senior manager’s life.

I did find occasionally some men doing that role but the majority were women. The men seemed to spend most of their time in meetings making strategic decisions while the women got on with making sure the cogs kept turning and things got done. It seemed to me the women were the unsung heroes so that the men could maintain their sense of importance and status. I think it is up to the women to challenge the status quo and make sure they are truly recognised and respected for their talents and abilities in all areas of their life, both at home and at work.

Conference in America

When I attended a conference in Ohio America the delegates were very mixed in terms of race, sex and cultural diversity. The president of the conference was black and the vice president was a woman. During the programme there were mini workshops and lots of interaction of delegates in between. The values which were stated were that ‘No one was more important or less important than anyone else. No one was better or worse than anyone else. Everyone had a right to their opinion and their say.’ And I believe that everyone complied with those values during the conference.

On the last day a vast hall was full of the delegates and people were able to stand and say whatever they wanted to say as an ending to the programme. For the first time in my life I felt the sense of equality with everyone in the room. It is something I have fought for all my life and finally that day I experienced it through my whole body and knew that things would work out. Real equality will eventually happen but it is the responsibility of all of us to ensure that we abandon archaic thought patterns and instill equality as a value in our friends, colleagues and children.

Get low-cost cable TV from a recommended vendor in your town

Nov 30, 2009 Uncategorized

I know about a specially good offerer of cable connections. If TV viewers want to purchase a cable connection that is all-round for television, phone and Internet, then I can recommend the company Kabel Deutschland as a notably effective and providential German provider. For anybody, who wants cable television, this vendor is an equitable alternative. That cable TV vendor is one of Europes largest cable operators and offers an unbeatable cost-performance ratio in my opinion. I am quite enthused by the fantastic multimedia possibilities that the cable junction offers. Digital cable TV is not everything that television viewers can get. Clients can also browse the Internet super-fast via cable connection and have advantageous phone calls without being connected by another telecom provider.

There are numerous useful product arrangements for Internet surfing and telephony. Such as the classic product package and the comfort product package, there is the fitting alternative available for everybody at a very auspicious cost-performance ratio. If prospects want an opportune access to the Internet and telephone simultaneously for free with a flatrate in all German fixed line networks, that is available with the double-flat. There clients can be sure not to pay too much for Internet and telephone.

If viewers do not go for a double-flat for Internet and phone, because they wish to carry on with phoning by utilizing their existing phone vendor, users also could seize the available cable Internet separately. Here prospects can pick several Internet offers at very beneficial costs. If customers only wish to call via the cable network, but do not want an Internet connection, customers can obtain a good cable telephone extension. Viewers will need no separate phone mainlines any more. Television viewers can seize their cable junction only for calling and surfing and do not need to purchase cable television. Thus prospects only have to pay their advantageous tariff for phone and Internet. TV may be continued as before, for example via a satellite receiving system. With the efficient comfort product bundle customers have an Internet connection with Internet flatrate and a phone extension with telephone flat rate for all German fixed line networks. Television viewers can quit their current fixed network and take the existing telephone numbers with them.

Viewers can look at a German report on that website: Kabelfernsehen in Lage. With the eco Internet Award 2008 the provider has received an additional award and has been declared the best Internet provider for private clients by an independent expert jury for the best price-performance ratio. In addition, they won already some specialized awards for their products, for example in the journal Computer Bild no. 23/2007 as the winner for DSL speeds and in the periodical PC Praxis 11/2007 with a “very good” at the cost-performance ratio for the cable package Comfort. Utilizing such cable junction TV viewers are able to pick up over 30 analog and up to 96 digital gratis TV channels. Users also can receive approximately 65 radio stations and additionally browse the Internet and telephone at very low prices. By using a cable junction, besides the amount of free TV channels television viewers also may subscribe to additional channels and thus arrange their individual desired TV experience. There are several countries packages for sale, which make television possible in the customers native language.

How To Pick A Gift To Give

Nov 29, 2009 Uncategorized

Buying a gift for a loved one can be quite daunting at times. It comes down to the fact that we want our gift to be appreciated and we fear that what we have bought might not be liked by the recipient.  It appears that when we are faced with a decision of what to buy, we freeze up. I know I do. Below are some ideas that I hope will get the juices flowing allowing you to buy a gift that not only will be appreciated but cherished as well.

Any lady likes to look, feel and smell good and if you are a touch hesitant picking clothes for her why not get a gift that has been favoured by the ladies for decades. Red door perfume is the brand name and I guess the biggest testament of the quality is the fact that it made its debut back in 1989 and today remains one of Elizabeth Arden’s biggest sellers. There is no better endorsement for a gift for her.

When choosing a present for a loved why not think outside the box. A friend of mine certainly did for his anniversary one year. He and his wife had recently had a small bathroom remodeling job done which included installing a larger shower stall. To finish it off he bought her a 84 inch shower curtain in a rustic fabric finish. She loved it immensely. Simple, I know, but effective.

A perfect gift for your son could be a membership to any pc role playing games sites. These hugely popular sites allow you to assume to role of a super hero who is assigned certain tasks to perform to advance to the next level. Millions of teenagers are involved in role playing games these days. Most sites start off with a free membership but for the more advanced gamer you can upgrade to a paid membership an enjoy more benefits.

Configuring Model Train/Railway Wiring

Nov 29, 2009 Uncategorized

Model trains and railroads enthusiasts understand that setting up the wirings is one of the most important aspect and an exciting part of customizing collections of model trains. All trains ought to stop at each station and need to decelerate on every tight corner and junction. Every stop at each station, there is a certain amount of time where trains can simulate the loading and unloading of passengers or cargo. In order to achieve an automatic function when operating model trains and railways, you need to do add some accessories and change wirings.

To achieve this, you have to identify where to segregate selected parts of the track and to configure the circuit board wirings that will tell your model train what to do when it goes through a certain portion of the track. One key component needed to be able to relay to the circuit board when the train is coming is known as a position sensor.

To slow down the train, you’ll need a circuit board type AS-1. A wire from the board connects to the isolated rail and another wire should be connected to the powered rail on the same isolated track. A train with a flywheel works great with this feature since it can slow down the train and start it up again. The train will regain its utmost velocity once it reaches a track that is not isolated.

For a train to stop, slow down, and start-up again a photo sensor is needed along with a DT-4, TD-1 and AS-1 circuit boards. One wire should connect TD-1 and DT-4 circuit boards. One wire from the DT-4 connects to the isolated track and one wire from the TD-1 should connect to one rail on the isolated track. A third wire should connect TD-1 to AS-1 and one wire from the AS-1 should connect to the non-isolated track.

When the train reaches the isolated track, it would slow down and will stop as it reaches the station where the photo sensor is placed. If you have set the time period on the circuit board on how long the model train would stop at a station, it will re-activate which will start the train again. As soon as it leaves the isolated track, it will pick up speed.

If you want your model trains to have a reverse direction, an AR-1 circuit board will do the job and two position sensors. Two individual wires from the AR-1 should connect to both rails on the track and one more pair of wires connects to the photo sensor.

If you don’t know anything about wirings, then getting a Digital Command Control train set would be a better option. DCC enables you to direct the train’s momentum and direction without getting any additional components and wirings.

My do it yourself weekend

Nov 28, 2009 Uncategorized

In today’s world we are often only consuments. Have you thought how rewarding getting creative yourself can be?

I want to show you three different ways to get creative! I will cover three different fields, so there will be something for everyone. The three different fields are stargazing, knitting and making a photo calendar.

My first idea for spending a good time is go out and have a look at the stars! Our universe is such a fascinating place. Even without any equipment, this can give you hours of joy. And if you invest in a telescope for beginners you will see much more on the night sky - wonders that cannot be seen with the bare eye suddenly appear from where formerly nothing seemed to be…

The second idea, although I must admit that most probably this will appeal more to women, is to knit a nice looking cap or socks for the colder season. A fine set of instructions can be found on wunderfaser.de, the section is called Mütze stricken. I personally own one of those (to be honest, it was a present, but it was made using these instructions…)

The third idea for you creative minds out there is to make a photo calender with your own pictures. It is done using all free software. The instructions and the software can be found on www.naturfotokalender.de (section: fotokalender erstellen.)

I hope you enjoy my tips for a creative time! Go and do something yourself, you will be proud of it!

www.thevitalfew.info

How Much Should The Most Appropriate Vehicle Insurance Be Priced For A 17 Year Old?

Nov 28, 2009 Uncategorized

The best car insurance quotes is a cover that is personalized to your certain needs and conditions, providing you the finest value for money. Every vehicle owner desires to pick the best vehicle insurance cover available, even if that results in changing companies every year when renewal time comes round again. However, wanting the best car insurance and obtaining it are two very different things and you have to distinguish in which way to do the latter in order to save money and still get the policy that suits all of your necessities and specifications.

The most expensive age for buying auto insurance in the UK is seventeen. Regrettably the majority of seventeen year olds discover car insurance quotes to be in excess of £1000.
Many seventeen year olds with a provisional or full licence meet some of the most pricey vehicle insurance premiums in the world. The cost of 17 year old car insurance can be too expensive and a lot of insurance providers are simply unable to provide an insurance quote.

Obtaining an instant car insurance quotes for a 17 year old is not hard. In fact it can be quite simple. Get out a phone book and start phoning insurance agents. You will need to tell them that you are enquiring for a quote for 17 year old car insurance. It is important that you call several different agents to be sure you get the best UK car insurance quote for your teenager.

Online insurance quotes are the easiest method to find the affordable, yet right insurance solution to get. In the world of insurance, finding an affordable insurance carrier which also has quality coverage is not an easy task.
Finding quotes online is a quick way of comparing auto insurance rates from quality carriers offering affordable coverage. Since quotes within providers vary widely, it is essential to complete a comparison in order to find out which one will offer you specifically, the cheapest rate.

Evaluate the best car insurance rate quote offered in the world, find the best insurance for your auto and save with the right quote in minutes. We help you find the leading vehicle insurance companies around for a car insurance quote that provides you with superior cover for less.

 

Cheap Young Driver Car Insurance

Getting Exercise While Getting Stuff Done

Nov 28, 2009 Uncategorized

Carla and I have been working real hard to make things better in our lives. When my third marriage ended, (and let’s just say it “ended,” mmm’kay?) I only knew it was time to realize a change. And not just any shift, I am talking a serious change, honey.

Yet it only looks like everyone wants to keep me down. Life is so rough, ain’t it? When I visited my physician to talk about the tummy tuck price I had been quoted, he only ragged me about getting the proper kind of exercise. He knows I have been doing everything I can, smearing on the scar zone cream and making all my beauty salon equipment to earn their price.

But he just keeps lecturing me about diet and fitness, saying to me that my body would improve over the long term if I treat it as if I love it.

He is strong on biking, but I told him bike seats chafe me and I just cannot fathom wearing those tight cycling shirts. Is he attempting to humiliate me? At least he became a little more moderate when he started talking about things I could do in the comfort of my own house.

Stationary bikes may certainly function better for me than riding out in the open and weight-lifting benches and exercise mats are a little more my style.

But I likewise argue that I get enough fitness in my day-to-day life. Only last week I got tons of exercise tugging around Carla’s garden cart while we decorated her backyard for her sister’s party. Rearranging the outdoor bench layout for open-air party seats after moving the Weber 751001 Charcoal Grill made for some strong weight lifting. And then the stretches and effort required to get all those stringed lights set right was like aerobic exercises.

Does it sound like I am making excuses? I do not care, girlfriend, that was challenging work! After all that decoratin’ and partyin’ I reckon I burned one thousand calories. I challenge some treadmill joggin’ sap to press garden carts around for four hours and see how they feel.

I don’t mean to sound whiney. I will get it all together. I simply wish people would sometimes focus on what I’ve accomplished rather than what I still need to do. I know it is not easy being you, but it isn’t easy being me, either. We all have to work hard to be happy, I think.

Christmas Toys For My Daughter

Nov 27, 2009 Uncategorized

The shopping season is drawing closer and it’s time to buckle down and get my list straight. Each year becomes all the more difficult when you’ve got a daughter that’s getting gifts from multiple grandparents and then her immediate family too.

I used to be able to quickly and easily find items that weren’t just upgraded versions of what she already has. Who needs more dolls? I’m tempted to let her look at Liv Dolls, since they are a little different.

They have a couple of wigs and have an online world that she’s really interested in. Hopefully there aren’t too many weirdos lurking on the online part.

There’s also the Zhu Zhu Hamster that has caught my eye recently. Of course the issue there is that there are a bunch of them, not to mention all of the accessories! Just the habitat alone makes me wonder where in the world I’m going to put something like that.

I guess I could get rid of all of her furniture and just let the dolls and pet hamsters rule the roost. Seems like it will be a bit nicer in a couple of years when I just have to buy clothes. Of course, the main issue there is finding clothes that won’t just be returned the next day. Or worse, buying clothes that have her burst into tears (in a bad way) the moment she sees that I bought the wrong color or something.

Any ideas for gifts? Seems like it’s all just around the corner.

Vegetarians Given Life Insurance Incentive

Nov 27, 2009 Uncategorized

Summary
An interesting new product has been launched by Animal Friends Insurance (AFI). The new insurance plan offers cheaper premiums to vegetarians, based on evidence that they are at a lower risk than their meat-eating counterparts of developing certain medical conditions. It remains to be seen whether other insurance firms will follow the policy introduced by AFI .

A none profit insurance firm has marketed a scheme which offers vegetarians and fish-eaters a reduced price life insurance premium .

The deal, believed to be the first of its type, is being pioneered by Animal Friends Insurance (AFI). The business is offering veggies a 7% lower priceon cheap life cover premiums
The firm claimed that veggies ought to pay less for the product, which pays out if the client dies, because they were less likely to suffer from a list of critical illnesses, including some cancers.

Rebecca Puttey, AFI’s managing director, claims that the danger of veggies being diagnosed with certain cancers is shrunk by up to 40 per cent and the risk of them suffering from heart disease is cut by up to 30 per cent, but despite this they have, until now, had to pay broadly the same premiums as customers who eat meat.
She says that AFI think that this is not fair and says the life insurance industry should acknowledge the concept that being a veggie can impose have a significant effect on life expectancy and cut its charges accordingly.

A normal plan is also on the market for non-vegetarians. Both insurance plans are marketed by LV=, which was known as Liverpool Victoria.

In common with standard life cover, a range of things contribute to the cost of the monthly premium including whether the applicant smokes, their age, weight and sex.

Just at the moment, AFI is funding the 6 per cent discount itself from the payment it receives from LV=. In the future, however, the business’s objective was to offer lower costs on specialist cover. In offering the deal the business is hoping to sign up enough vegetarians to make it cost effective for LV= to underwrite yet another insurance plan that takes the veggie diet into account.

Indeed there are welcome savings to be had, a 38 year oldnon-smoker buying £300,000 worth of insurance cover might potentially save £393.60 over a 20-year period.

Where critical illness is concerned, AFI considers that insurers should start to treat those that eat meat and those that do not eat meat in a way that is similar to the way they view non-smokers and smokers. Perhaps other companies in the insurance industry will take the same initiative.

It is thought that some executivesin the insurance industry are doubtful whether there is verifyable proof that vegetarians live longer, and how any insurer could prove that people who had applied stating that they were veggies did not sometimes enjoy the odd lamb chop.

When it comes to smoking, the insurance company can refer to your Doctor’s records - if you do smoke it’s probable that your Doctor will know about it. However, this is unlikely to apply when it comes to eating meat, an executive from the insurance industry commented.

But many veggetarians say that they are not worried about people falling off the vegetarian wagon and suggested that once a veggie has become a veggie, they don’t return to meat-eating, that’s unlike smokers who tend to drift out and back again into their habit.