Legal Insurance South Africa

Many of us don’t think about legal issues until we get to the point where we need to use the services of a lawyer. Lawyers cost a lot, and if you are unfortunate enough to lose a case, the chances are that you could end up not only paying for your own legal costs but that of the other party. Legal insurance in South Africa offers numerous packages that will ensure that your legal costs are covered from the start of the incident to the very end.

Getting divorced? Get a lawyer. If you have legal insurance, then this perhaps unexpected turn of events will be covered, removing the added stress from an already unhappy situation. There are so many issues and incidents that require legal attention. Litigation is expensive – make your litigation affordable with legal insurance that will cover all the costs.

You know the drill – “don’t speak to me speak to my lawyer”. Companies the likes of LegalWise, Hollard, have made it much easier for the ordinary man in the street to have the kind of legal cover he needs and deserves. If you have been unfairly dismissed (yes – we do know about the CCMA, who are really very good), or perhaps you need a lawyer to handle a criminal issue that has arisen. Legal insurance will step in and assist when the chips are down and you need it most.

If you have been treated unfairly or find yourself the victim of circumstances, it is surprising how quickly a problem disappears when professionals are brought to the table to fight on your behalf.

Legal insurance in South Africa is an innovative service that has been designed to protect the ordinary person who would not ordinarily have been able to afford such steep fees under different and previous circumstances.

If you do find yourself at the shorter end of the stick and have been taken advantage of when having your car repaired, your home renovated or contracts broken, remember if you do have the advantage of having legal insurance in South Africa you will have peace of mind when these instances crop up.

Legal insurance has without a doubt enabled ordinary people to be represented legally in the modern world of today. Everyone has a right to be treated equally and everyone should have access to legal representation, excellent education and a good standard of living. Legal insurance has opened these doors for many who previously did not have the opportunities to have this kind of help.

Do Drink The Water In Texas

You may watch what you eat in Dallas, Houston or anywhere else in Texas. But do you watch what you drink? A number of health problems, including tooth decay, thinning bones, heart disease, stroke, diabetes, dementia, cancer and obesity are linked to the beverages you drink.

In 2006, the Unilever Health Institute in the Netherlands — Unilever owns Lipton Tea — sponsored a panel of nutrition and health experts who published a study, “Beverage Guidance System.” This study was developed to help individuals reduce the amount of calories they are drinking when those calories contribute little or nothing to their health and, in many cases, may actually detract from it.

The panel, led by Barry M. Popkin, a nutrition professor at the University of North Carolina, was concerned by the contribution popular drinks make to weight problems. Panel experts also reviewed 146 published reports to find the best evidence for the health problems from various beverages.
At the top of the heap of preferred beverages is water. It has no calories or hazards, just benefits. But the panel expressed concerns about bottled water fortified with nutrients, implying that some individuals may think they don’t need to eat certain nutrient-fortified foods that contain substances like fiber and phytochemicals, which are lacking in some bottled waters.

Aaahh, The Sweet Nectar of Life…

The panel also reported that approximately 21 percent of calories consumed by Texans, and other individuals, over the age of two comes from beverages, mostly soft drinks and fruit drinks with added sugars. There’s been an incredible increase in sugar-sweetened drinks in recent decades, primarily at the expense of milk, which, in comparison, has a number of nutritional benefits. The calories from sweetened sodas and fruit drinks account for half the rise in caloric intake by Americans since the late 1970s.
Americans are not only drinking more sweet beverages, but serving sizes have also bloated, with some restaurants and convenience stores offering 32 ounces servings as well as free refills.

And throw in America’s recent thirst for smoothies and sweetened coffee drinks — 240 calories in a 16-ounce Starbucks Caffe Mocha without the whipped cream — and it’s easy to see why people are drinking themselves into stretch pants with elastic waistbands.

But calories from sweet drinks are not the only problem. In a report in The American Journal of Clinical Nutrition, it’s cited that beverages have “weak satiety properties.” In other words, they do little or nothing to curb an individual’s appetite. As a result, people do not compensate for the calories they drink by eating less.

In addition, some soft drinks contribute to other health problems. The American Academy of General Dentistry says that non-cola carbonated beverages and bottled or canned sweetened iced tea harm tooth enamel, especially when they’re consumed alone, without a meal. And a study of 2,500 adults in Massachusetts linked cola drinking, both regular and diet, to the thinning of hipbones in women.

The panel suggests that if individuals drink something sweet, they should sip a no-calorie beverage like diet soda that includes an approved sweetener, although many experts have recognized the lack of long-term safety data and the possibility that these diet sodas “condition” people to prefer sweetness.

Fruit juices are another alternative, but not nearly as good as whole fruits, which satisfy hunger better.

Coffee, Tea and You

Here’s a chance to tip your cup at some good news. Several newer studies have linked regular coffee consumption to a reduced risk of developing Type-2 diabetes, colorectal cancer and Parkinson’s disease.

Most studies don’t link a high intake of coffee or caffeine to heart disease, although caffeinated coffee raises blood pressure somewhat and boiled unfiltered coffee — French-pressed and espresso — raises harmful LDL and total cholesterol levels.

On its own, caffeine — up to 400 milligrams a day, or the amount in about 30 ounces of brewed coffee — doesn’t seem to be a health problem or affect water balance in the body. But pregnant women should limit their intake because more than 300 milligrams of caffeine a day might increase the risk of miscarriage and low birth weight, the panel reported.

There also seems to be good news on the brain front regarding caffeine. Mice prone to an Alzheimer’s-like disease were protected by drinking water spiked with caffeine equivalent to what people get from five cups of coffee a day. And a study of more than 600 men suggested that drinking three cups of coffee a day protects against age-related memory and thinking deficits.

For tea, the evidence on health benefits is somewhat uncertain. Tea lowers cancer risk in experimental animals, but the effects in individuals are unknown. Tea may benefit bone density and help prevent kidney stones and tooth decay. And four or five cups of black tea daily helps arteries expand, possibly improving blood flow to the heart.

A Drink a Day May Keep the Doctor Away.

Moderate consumption of alcohol — one drink a day for women and two for men — has been linked in many large, long-term studies to lower mortality rates, especially from heart attacks and strokes. It may also lower the risk of Type 2 diabetes and gallstones. The panel found no convincing evidence that, for example, a glass of red wine is better than a vodka rocks with a twist.

But even moderate alcohol consumption has its downside. Moderate intake can raise the risk of birth defects and breast cancer, because it may interfere with essential B vitamins. And, of course, heavy alcohol consumption is associated with several lethal cancers, cirrhosis of the liver, hemorrhagic stroke, hypertension, dementia and some forms of heart disease.

Milk and Soy Drinks.

The panel, which rated low-fat and skim milk third, just below water and coffee and tea, said that dairy drinks were not essential to a healthy diet. The panel did acknowledge the benefits of milk for bone density, while noting that the calcium and vitamin D benefits to bones are not maintained unless people continue to drink milk. Other essential nutrients in milk include magnesium, potassium, zinc, iron, vitamin A, riboflavin, folate and protein, approximately eight grams per eight-ounce glass. A 10-year study of overweight individuals found that milk drinkers were less likely to develop metabolic syndrome, which is a group of coronary risk factors that includes hypertension and low levels of protective HDLs.

The panel did emphasize the need for children and teenagers to drink more milk and fewer high-calorie, sweetened drinks. The report stated that fortified soymilk is a good alternative for individuals who prefer not to consume cow milk. But the panel cautioned that soymilk cannot be legally fortified with vitamin D and provides only 75 percent of the calcium the body gets from cow’s milk.

If you’ve never considered the ramifications of what you drink, maybe you should. It may not seem like it will affect your health now, but it certainly will in the long run. And as you’ll discover, what affects your health also will eventually affect your bank account. If you’re young individual who watches what you consume and tries to keep healthy, you should take a look at the revolutionary, comprehensive individual health insurance solutions created by Precedent specifically for you.

For more information, visit us at our website, []. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans and an unparalleled “real time” application and acceptance experience.

A Commentary on Water Use and Bio-Fuels

An October 2007 report by the National Academies entitled Water Implications of Biofuels Production in the United States is very good and is a must read.

I touched on this issue in my book entitled “Understanding Water Rights and Conflicts, Second Edition” published by BurgYoung Publishing. The issues involving water use and energy development in the western United States impact agriculture, energy development and human water supply systems.

I write books and eBooks to Promote awareness through the written word. I have books published on water, energy and terrorism, and I am convinced that one of the major problems with our society is the lack of public awareness about our country’s infrastructure.

As an elected member of our local water board for our small water district west of Denver, CO, I have seen the lack of public awareness first hand. In fact, the water board has just scheduled a tour of our reservoirs, water treatment plant and other facilities for interested residents. Most think their water comes from the water lines in the street in front of their home and have no idea of the infrastructure behind the water in their home. We decided as a water board to be more proactive in acquainting our customers with their water supply system. The more they know, the more they can help the board members in forming policy and making decisions.

In my opinion, this is one of the major flaws with our elected federal officials and the candidates for both Congress and the Presidency over the last 16 years. They have made the assumption that the elected officials know best. What they don’t realize is the better informed the general public the more and better the ideas they get for shaping policy and resolving issues.

Water quality and quantity are both very critical issues in all parts of the United States. Many residents and water customers have very little idea about where their water comes from, let alone how good the quality is and how much their water supplier actually has available, legally and physically.

Water issues are not just local issues anymore. More often than not, water issues in one area are at least regional, if not multi-state issues. They also involve multiple sectors including energy, agriculture, industry and health.

The U.S. ethanol boom threatens to cause “considerable” harm to the nation’s water supplies, a National Academy of Sciences panel warned in a report released today.
Farmers’ heavy irrigation and increased use of fertilizers and pesticides for the production of corn and other energy crops threaten to damage water quality and quantity, the National Research Council report says.

Water supply problems caused by irrigators loom at regional and local levels — particularly in the arid northern and southern plains, the report says. Big corn crops could drain water reserves in the Ogallala aquifer, an underground reservoir that stretches 800 miles from west Texas to South Dakota and Wyoming.

The aquifer — which provides water for a fifth of all the nation’s irrigated land — is already being lowered as there has been inadequate rainfall to replenish it, said Jerald Schnoor, a University of Iowa professor who chaired the panel. Any additional corn planting or other irrigated agriculture would only “exacerbate” the problem, he said.

Schnoor urged Congress to pursue policies that would encourage sustainable practices and encourage better technology for increased production efficiency.

A similar report last month from Environmental Defense, an advocacy group, said ethanol production could increase demand for scarce water supplies by 2 billion gallons a year.

Most of NRC panel’s predictions are based on estimated amounts of water and fertilizer needed for corn. The committee said “knowledge gaps” prevent reliable assessments about water use on other potential feedstocks for cellulosic ethanol — switchgrass or native grasses — but that they should have less of an effect on water quality per unit of energy.

The panel also said that the pressure on water supplies could be lessened with new developments in crop production, such as using genetically modified crops that are less thirsty or irrigating with wastewater that would be unfit for food crops.


Matt Hartwig, a spokesman for the ethanol industry trade group, the Renewable Fuels Association, said the industry is “very conscious of its use of natural resources” and is developing new technologies to improve water use.

The National Research Council convened the committee in response the country’s growing appetite for ethanol and other alternative fuels. U.S. capacity to make ethanol has spiked about 28 percent this year to nearly 7 billion gallons.

Those numbers are expected to grow even more. President Bush set a national goal of producing 35 billion gallons per year of alternative motor fuels, including ethanol, by 2017. Congress is considering a host of new incentives and subsidies for the fuels in energy legislation and the farm bill.

Environmentalists say potential water problems in the NRC report highlight the need for beefed-up farm bill conservation programs, to give farmers incentives to manage water, use buffer zones or to put some land in conservation.

“To deliver on the promise of biofuels, Congress must dramatically increase funding for farm bill conservation programs and reform them to get more conservation per dollar,” said Jonathan Kaplan of the Natural Resources Defense Council.

Julie Sibbing of National Wildlife Federation said Congress should support cellulosic ethanol made from native grasses, trees and other plants that would require no irrigation. “As these new technologies come on line, they will be key to our future clean energy production,” Sibbing said.

“The stage is now set for direct competition for grain between the 800 million people who own automobiles, and the world’s 2 billion poorest people.” – Lester Brown, Earth Policy Institute, speaking to the U.S. Senate

Bio-fuels will impact the water supply around the world. We all need to be informed about the choices we make, and how those choices are interconnected.