Interesting articles about insurance

 Nationalization: final nail in the coffin for South African mining

<img src="mining.jpg" alt="Mining" width="138" height="92">

The Karoo is the fifth largest gas field in the world. Local and international companies are interested in developing it. According to estimates, shale gas extraction from the Karoo will lead to 9% GDP growth for South Africa!

Imagine extracting cheap shale gas for power plants – no wet coal problems! If Sasol used the gas in its Gas-to-liquids process, South Africa would become liberated from international oil!

A new law that was been passed could ruin all that. That outrageous law makes mine nationalization a government policy and may stop the future of fracking!

Government gets 20% of all new developments FOR FREE!

The Mineral and Petroleum Resources Development Amendment Bill: This bill was passed by using ANC majority vote in government to erase all opposition.Some think this bill will destroy the SA mining industry.

It makes government a 20% shareholder in ALL new mining projects. They are especially keen to get a FREE 20% share in new FRACKING operations due to start up in the Karoo. That’s it! Government wants in on the action where companies spend billions to explore and create new fracking wells, but they don’t want to pay.

The argument is that shale gas belongs to South Africa therefore government should get a 20% share of all the projects. Getting royalties on the gas, as well as tax on all profits, just isn’t enough.

Consequences of this law

If companies has to hand over that kind of share, it will seriously obstruct investment. Companies will have a lack of capital to invest and profit margins will be eaten away. Most fracking companies only work on a profit margin of 20%, so giving away a 20% share to government for no payment and developing a project, WILL make viability questionable.

Making this law even more ridiculous, is the clause: “The government would also be able to buy an unspecified additional share at “an agreed price.”

Government will have the option to buy more shares and eventually become a controlling shareholder. Government should stick to what it does best: Thinking out new laws, sleeping during speeches and throwing parties. They SHOULD NOT be partners in mining or mineral extraction operations.

Companies where government is involved: Eskom, Telkom, South African Airlines and the SABC. Definitely not examples of companies with good corporate management or as profitable companies.


<img src="inoculation.jpg" alt="Inoculation" width="150" height="150">

Protect your child with HPV Inoculations

Free HPV inoculations or vaccines are now offered by the government. This is protection against HPV (Human papillomavirus) infection and the health problems that HPV infection can cause. Two vaccines, Cerva-Rix and Gardasil, protect against cervical cancers in women. Gardasil also protects against genital warts and cancers of the anus, vagina and vulva. Both vaccines are available for females and Gardasil is available for males.

HPV vaccines offer the best protection to girls and boys who receive three vaccine doses and have time to cultivate a resistance to the virus before becoming sexually active. Therefore, the recommendation for HPV vaccination to pre-teen girls and boys.

Who else should get the HPV vaccine?

HPV vaccines are also recommended for teenage children who never received the vaccine, teen girls and young women up to age 26, as well as teen boys and young men to age 21.

Gay and bisexual men, men and women with weak immune systems and people living with HIV/AIDS up to age 26, should also get the vaccination if they haven’t had it before.

What is HPV?

Human papillomavirus (HPV) is the most common sexually transmitted infection (STI). Over 40 HPV types can infect the genital areas of males and females as well as the mouth and throat. People get infected without knowing it. HPV is different to herpes and HIV.

How do people get HPV?

It is passed on through genital contact or oral sex, between straight and same-sex partners. Even when the infected person shows no symptoms.

A person may have HPV even years after the last sexual contact with an infected person. Most  people don’t know they are infected or that they are passing on the virus.

In rare cases an infected pregnant woman can pass HPV to her baby during delivery. The child may develop recurrent respiratory papillomatose, which is warts in the throat.

HPV and Cancer

Several types of cancer are associated with HPV:

  • Cervical cancer: The most common HPV-associated cancer. Almost all cervical cancer is caused by HPV.
  • Vulvar cancer
  • Vaginal cancer
  • Penile cancer
  • Anal cancer
  • Cancers of the back of the throat (including the base of the tongue and tonsils)

This vaccine is insurance against these cancers. Protect your child!


<img src="domestic violence.jpg" alt="Domestic violence" width="150" height="99">

Understanding why battered women stay with their partners

Understanding the reasons for not leaving an abusive partner will give clarity as to why battered women so often react with humiliation and confusion when asked about it. It is so wrong to conclude that women who are up against real abuse, will leave the abuser. The opposite is actually true.

Battered women – The Psychological Stages


She refuses to admit, even to herself, that there is a problem in her relationship. She’ll call the incident an “accident”. She makes excuses for the abusers violence and confidently believes it will never happen again.


The stage where she acknowledges the problem, but takes responsibility for it. In her mind she deserves to be beaten and that flaws in her character is putting her below her husband’s expectations.


The woman realizes the abuse is not her fault and that no one “deserves” to be beaten, though she is still committed to her marriage and stays with the abuser in the hope to work things out.


She accepts the abuser will not, or can not, stop his violent behavior and makes a decision to no longer submit to it.

In the stages of denial and guilt, the battered woman exists in a “fog” while living with the abuser. Psychologists recognize this dangerous state of indifference in domestic abuse victims. It is usually significant of the period before a battered women is finally killed by the abuser.

How does a woman get caught up in this situation?

Why wouldn’t a woman get out at the very first sign of ill-treatment? Many women pick partners in the hope of getting the love they longed for from their parents and didn’t fully get. Subconsciously they pick duplicates of their parents and end up with a partner who in many ways acts like either of the parents. If parents mistreated them as a child, they will likely pick partners adept of similar abuse. Battered women will continually try, though fruitlessly, to get the abuser’s love and approval. The same as it was with their parents.

When an abused child grows up, for them it’s normal to get hurt by the people you love. Their self esteem is very low from childhood and they can’t give a good reason for why they stay. Only therapy can change it.