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Life insurance pays a lump sum to you or your loved ones if you suffer a serious medical condition or die. It can help pay off the mortgage, cover your kids' school fees, or pay off outstanding debts
We know price is important to you, but we can't include costs in the comparison table because quotes are tailored to everybody's specific circumstances. Try comparing the core features first - then get your personalised quote. Want to apply online? Check the policy type column for direct online application options.
Generally speaking, life insurance is a policy which pays your family a lump sum when you die. In some cases, it'll also pay out if you're diagnosed with a terminal illness which can help with any end of life care you may need.
With life insurance, you get to choose the size of the lump sum you'd like your loved ones to receive. The more cover you have, the higher your premiums will be, so make sure you're getting the right amount of cover for your needs. A financial advisor can help you figure this out.
Although you get the freedom to choose the lump sum, some insurance providers have set limits for the amount you can take out. For example, you may have to choose a lump sum of between $50,000 and $1.5 million. However, there are insurance companies which don't set upper or lower limits to payouts, so you could pick a payout of $10,000 or $10 million if you liked. You may be asked to justify the level of cover though.
While this type of policy is generally referred to as life insurance, you may also see it referred to as death cover, term life or whole life insurance. That's because there are other types of life insurance which pay out when you're sick or injured, instead of when you die. We'll go into these further down the page.
The important thing to know is that, whichever type of life insurance you choose, it will act as a financial safety net for you and your family. It means, if the worst happens, your loved ones will still be able to afford the mortgage and pay off any debts. Getting through an illness, or grieving a loved one, is hard enough without money worries on top.
If you're after more personalised quotes, follow the link below. You can get instant quotes and compare cover side-by-side. This gives you a better understanding of the cover that's on offer and how much it might cost you.
With the Finder life insurance tool, you can:
There's an easy way to figure out whether life insurance is right for you.
If you answer YES to any of these questions, you should seriously consider life insurance:
If you answer NO to any of these questions, you should seriously consider life insurance:
Did you know? Savings are scarce. A Finder survey revealed the average Aussie has just $28,186 in cash savings.
Life insurance is often used as an umbrella term to describe lots of different types of insurance. You can either buy a standalone policy or bundle several policies together to create cover which is perfectly tailored to you and your family.
Pays a lump sum when you die. In some cases, it may also pay out if you are diagnosed with a terminal illness.
Pays a lump sum if you are diagnosed with a specific medical condition, such as meningitis or cancer.
Short for total and permanent disability. Pays a lump sum if you are rendered totally and permanently disabled due to injury or illness. In some cases, it will pay a smaller lump sum if you are partially disabled.
Pays a monthly benefit if you are unable to work due to illness or injury. Usually, it will only pay up to 75% or 85% of your typical wage.
Pays a lump sum benefit if you are injured or killed. Does not provide cover for illnesses.
Pays a lump sum to your family when you die, which they can use to cover the cost of your funeral.
It's possible you'll want more than one type of life insurance, so you can have peace of mind that you'll be covered in lots of different situations.
If you're unsure which type, or types, are right for you, start by focussing on your motivation for buying life insurance.
I want to make sure my family will be okay if I die
Life insurance / death cover might be right for you.
I want to make sure I can maintain my lifestyle if I can't work for a while
Income protection insurance might be right for you.
I want financial help if I suffer a serious injury or critical illness
Trauma insurance or personal accident insurance might be right for you.
I want to be able to cope if an injury or illness stops me from ever working again
TPD insurance might be right for you.
I don't want my family to have to pay for my funeral
Funeral insurance might be right for you.
I already know that my family and I will be fine no matter what happens
You may not need life insurance at all.
Remember, you can mix and match different types of life insurance to create cover which is perfect for you and your family.
For example, combining death cover with income protection would mean you're protected if an injury or illness stops you from working, and your family will also be protected if you die.
There are 3 ways to get life insurance in Australia, they are known as direct, retail and super. Each option has its own pros and cons. Check them out below to figure out which way might be best for you.
|What it means
|Do the research yourself and speak to an insurer directly
|✅ Quick approval process
✅ Might not require a medical
|❌ You have to do the research yourself
❌ Typically has more exclusions
|Get advice from a broker who then finds the best cover for you
|✅ Get expert guidance from a broker
✅ More comprehensive cover
|❌ Longer approval process
❌ May require a medical
|Get it through your super fund
|✅ Guaranteed acceptance
✅ Very convenient
|❌ Premiums eat into your super balance and affect your retirement
❌ Typically far more restrictive cover
Life insurance is a popular product in Australia, so you have heaps of providers to choose from.
Check out the list of Aussie providers below. We've rated them based on the features each brand offers and again on their pricing. You might find some of the lower scoring brands for features have the better pricing, so weigh up your options carefully!
⭐ Features are rated out of 3 stars. The more features offered the higher the star rating.
*In some instances we weren't able to get pricing data, this is generally because this cover is taken out through an advisor or broker
|Feature rating
|Additional features
|Find out more
|Get a quote
|Get a quote
|Get a quote
|Get a quote
|Get a quote
|Learn more
|Insure Me Now
|Learn more
|Learn more
|Learn more
|Learn more
|Get a quote
|Get a quote
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|Learn more
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Methodology - How did we make this decision?
As part of our research for the 2020 Finder Awards, we looked at 20 insurance policies and the features they offered. The features were weighted and given a score out of 10, which we then converted into a star score out of 3.
The features were weighted as follows:
So you're already well on your way to buying life insurance - but there are a few things you should always check before signing on the dotted line.
📌 What's covered and what's excluded
📌 How much cover you currently have through your super
📌 What personal information you'll need to give the insurer
📌 How your premiums may change over time
📌 What the waiting periods are
📌 How you make a claim
📌 How the claims process works
📌 Customer reviews for the insurer
Did you know? Finder surveyed 5,050 Aussies and found 19% already had income protection insurance while a further 13% plan on getting it.
Lots of different factors influence the cost of life insurance. That's why it's so important to get a personalised quote before deciding whether it's right for you or not.
|Younger people will pay less for life insurance
|Biological sex
|In general, women pay less for life insurance but more for income protection
|People with riskier jobs will pay more for life insurance
|Non-smokers will enjoy cheaper life insurance premiums
|Overall health
|People without pre-existing medical conditions may pay less
|Cover amount
|The higher the potential benefit, the higher the monthly premiums
That's a tough question. You have to take lots of different factors into consideration when deciding how much life insurance you should get, including:
We know, it's a lot. So we created a calculator to help you figure it out. However, you should only use this as a starting point. If you want expert advice, you should speak to an advisor.
Did you know? In a Finder survey of over 10,500 people, 27% reported that they already struggle to pay their rent or mortgage.
You can buy life insurance whenever you like but there are a few life stages which often prompt people to get cover. They include:
An adviser can help you find cover from trusted life insurance brands.
Aside from the peace of mind life insurance can give you and your family, there are lots of concrete benefits that make life insurance a worthwhile investment:
Keep up with the rent or mortgage
Don't fall into debt if you're unable to work
Cover medical expenses if you prefer private healthcare
Pay for a nurse if you need home care
Afford everyday items, like groceries and utility bills
Make sure your family will be okay without your income
Did you know?Most people can get life insurance. In a Finder survey of 5,050 Aussies, only 2% had been refused cover by a life insurer.
People from all different walks of life can benefit from life insurance, but not every policy is suited to every person. Take a look at the personas below to see how each one has created a life insurance package which suits their specific situation.
☑ Toby, 30 Self-employed
☑ Single dad
Toby isn't entitled to workers compensation or paid sick leave so income protection insurance guarantees he'll still have money coming in if he can't work.
He also gets TPD and life insurance as his daughter will be financially dependent on him for many years to come. He wants to make sure she will be okay if something happens to him.
What did he get?
Income protection
TPD insurance
Life/death cover
☑ Keira, 45 Mortgage-holder
☑ Married
Keira and her wife have a mortgage that they wouldn't be able to afford without both wages. She takes out income protection insurance so they know if she is unable to work, they can still cover the bills.
Keira also prefers private healthcare so she takes out trauma insurance which will pay a benefit if she falls sick. She plans to use the money to cover medical expenses if the worst happens.
However, Keira doesn't take out life insurance as her wife wouldn't want to stay in the same house if Keira died. She would be happy to sell and downsize.
What did she get?
Income protection
Trauma insurance
☑ Tracey, 55 Owns her home
☑ Adult children
Tracey and her husband have paid off their mortgage and have no other major financial commitments.
She knows they can get by on her husband's wage if she could no longer work and he will be fine financially if she dies. She decides she doesn't need life insurance.
What did she get?
No insurance
☑ Mario, 65 Retired
☑ Adult children
Mario struggles to save money independently but wants to make sure his family won't have to pay for his funeral after he dies.
He takes out funeral insurance with a value guarantee, meaning he will never pay in more than his family receives.
What did he get?
Funeral insurance
Did you know? Debt is a big issue. In a Finder survey of 1,000 Aussies, 29% said they felt negative about their amount of household debt.
Buying life insurance is a big decision, so we understand you want to take your time and get it right. Luckily, we've got heaps of guides that can help.
Need more information on life insurance? Start with the very basics with our beginner's guide to life insurance.
Have any lingering questions about insurance premiums? You can check our guide on the different payment structures you can have. Find out if stepped or level premiums are the way to go.
If you're wondering what the tax implications of life insurance are, check out our guide which explains when life insurance premiums are tax deductible and when payments are tax-free.
Of course, if there's anything we've missed, don't hesitate to give us a shout. Drop us a comment below and we'll do our best to clear things up for you.
Life insurance is there to help when things get hard. Take a look at the situations below to see which type of policy would pay out
|Terminal illness
|Permanent disability
|Life insurance / death
|Income protection
|Personal accident
✅ = Yes 🆅 = Varies between insurers Ⓛ = Limited conditions ❌ = No
You'll never be charged for clicking through to one of our partners. We get paid out of their pocket, not yours.
We'll never give you the sales pitch and we'll avoid complicated jargon when we can. We want to help, not push a sale.
Searching through a lot of different policies can be hard. We let you compare policies side-by-side, taking the hard work out of it.
Looking for affordable life insurance? Or Maybe need some tips on how to save? Our guide on cheap life insurance can help you save on your premiums.
Are you trying to find the best life insurance for your needs? We looked at Australian life insurance providers to help make the decision easier.
If you're approaching retirement and wondering about life insurance for the first time, check out our life insurance for seniors page. It has tailored information for over 65's and advice on the things to pay particular attention to.
There is no set limit to the amount of life insurance policies you can have. Many people mix and match policies to create cover which works better for them.
Yes. Some life insurance policies will have an expiry age. However, the specific age varies between different insurers and types of life insurance. Always check the PDS.
A life insurance beneficiary is the person, or people, you choose to receive the financial benefit of your policy after you die.
Yes! If you have a pre-existing medical condition there are insurers who will still cover you. Although, they might ask you to pay slightly higher premiums or exclude that condition from your cover. It's really important to disclose any condition you have when you sign up to any life insurance, because not doing so could impact your ability to claim later.
Child life insurance is a feature you can add to your own life insurance policy. It will pay out a financial benefit if your child dies or suffers a serious medical condition.
No. Life insurance will only pay out if you suffer a serious medical condition or if you die. In some cases, it will pay out if you are made redundant.
Yes, Life insurance can be cancelled at any time. Keep in mind if you cancel your insurance and decide to take it out later, you will likely have a higher premium due to your age or any medical conditions that have come about in the meantime.
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Find out if TPD insurance in super is right for you.
Find out about standalone and bundled life insurance.
Everything you need to know about the cost of trauma insurance.
It's possible to get life insurance if you or a loved one has been diagnosed with dementia and Alzheimer's. Find out how.
It's possible to buy life insurance for your parents. We'll show you how.
From the claims process to exclusions, we detail how life insurance is paid out.
Compare life insurance policies for 35-year-olds
Looking for $1 million life insurance? Compare policies here.
Find out if you can still get life insurance if you're overweight, what your options are and where to get cover.
We talk you through life insurance options for new parents.
I am 58 years old female and my husband is 67 years old. We are self-employed farmers. We are both non-smokers.We have no dependents. We have no superannuation or savings, shares or investments of any kind. We have about $100,000 in debt on our farm. Our home in also on the farm. I was thinking about taking out a joint policy with my husband. I'm not sure which company would insure us because of our age. I have no idea where to start.
finder.com.au is one of Australia's leading comparison websites. We compare from a wide set of banks, insurers and product issuers. We value our editorial independence and follow editorial guidelines.
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Please note that the information published on our site should not be construed as personal advice and does not consider your personal needs and circumstances. While our site will provide you with factual information and general advice to help you make better decisions, it isn't a substitute for professional advice. You should consider whether the products or services featured on our site are appropriate for your needs. If you're unsure about anything, seek professional advice before you apply for any product or commit to any plan.
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Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.


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What the coronavirus can teach us about ransomware
In just a few months, the coronavirus stretched healthcare organizations around the world to their breaking point. It's changed both how we live and work, as well. There are several valuable lessons about organizational cybersecurity – including where ransomware is involved.
Is UK genetic information at risk from hackers?
How is healthcare information guaranteed to remain safe from hackers and free from commercial exploitation?
"KRACK" Wi-Fi security vulnerability puts millions at risk
A recently uncovered Wi-Fi vulnerability poses real security risks, with potential attackers able to access users' internet traffic and intercept sensitive information.
Latest celebrity nude leaks show need for better digital security education and practices
As another round of celebrity nude images are leaked onto the internet, violating the privacy of a number of stars, it has become increasingly apparent that digital security should become a required part of modern education.

subset: commoncrawl


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Older Fathers May Affect the Health of their Partners and Children
Women have "biological clocks." Men have "biological clocks." A recent study from Rutgers University, published in the journal Maturitas, reviewed 40 years of research on the effect of the father's age on fertility, pregnancy, and the health of resulting children.
While it is generally well known and accepted that reproductive changes occur in women in the mid-thirties, most do not know of the physiological changes happening in men of the same age. In fact, there is no clearly accepted definition of "advanced paternal age." In the medical literature, it ranges from 35 to 45 years with a doubling of the genetically abnormal sperm every eight years after the age of 20. In large part due to IVF, the number of infants born to fathers over 45 has risen 10 percent in the United States during the past 40 years.
Importantly, the Rutgers study found that men 45 years of age and older experience decreased fertility and that advanced paternal age places their partners at risk for increased pregnancy complications such as gestational diabetes, preeclampsia, and preterm birth. Babies born to older fathers were found to be at higher risk of premature birth, late still birth, low Apgar scores, low birth weight, higher incidence of newborn seizures, and birth defects (e.g., congenital heart disease and cleft palate). In addition, these children were found to have an increased likelihood of childhood cancers, psychiatric conditions, cognitive disorders, and autism.
There is a natural decline in testosterone with aging, as well as an increase in poorer semen quality. With aging sperm tend to be less "fit," and damage to sperm from the various stresses of aging can lead to changes in the genetics incorporated into the DNA of cells in the bodies of children conceived. Such germline mutations also may contribute to the association of older fathers and children with autism and schizophrenia.
The "biological clocks" of men should be discussed by physicians as well as by the lay media. Men who delay fatherhood should consult their doctor and consider banking sperm before age 35 to lessen the increased risks to the health of the mother and child.
N. Phillips, L. Taylor, G. Bachmann: Maternal, infant and childhood risks associated with advanced paternal age: The need for comprehensive counseling for men. Maturitas, 2019; 125: 81 DOI: 10.1016/j.maturitas.2019.03.020


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Title Detail
Table of Contents
Found In
Science and Practice
by Linda C. Giudice, Johannes L. H. Evers, David L. Healy
Hardback Book (600 Pages)
April 2012
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Written by an internationally well-known editor team, Endometriosis: Science and Practice is a state-of-the-art guide to this surprisingly common disease. While no cause for endometriosis has been determined, information of recent developments are outlined in this text, offering insight to improve management of symptoms medically or surgically. The first of its kind, this major textbook integrates scientific and clinical understanding of this painful disease helping to provide better patient care.
Table of Contents
List of Contributors, viii
Preface, xiii
List of Abbreviations, xv
Part 1: History, Epidemiology, and Economics
1 History of Endometriosis: A 20th-Century Disease, 3
Ivo Brosens and Giuseppe Benagiano
2 Endometriosis: Epidemiology, and Etiological Factors, 19
Fabio Parazzini, Paolo Vercellini and Claudio Pelucchi
3 Economic Perspective on Diagnosis and Treatment of Endometriosis, 27
Steven Simoens and Thomas M. D'Hooghe
Part 2: Pathogenesis
4 Pathogenesis: Development of the Female Genital Tract, 35
Jolande A. Land and Johannes L.H. Evers
5 Theories on the Pathogenesis of Endometriosis, 42
Annemiek W. Nap
6 Understanding the Pathogenesis of Endometriosis: Gene Mapping Studies, 54
Jodie N. Painter, Krina T. Zondervan and Grant W. Montgomery
7 Pathogenesis: Epigenetics, 65
Sun-Wei Guo
Part 3: Disease Characterization
8 Endometriosis: Disease Classification and Behavior, 81
G. David Adamson
9 Peritoneal, Ovarian, and Rectovaginal Endometriosis are Three Different Entities, 92
Jacques Donnez, Olivier Donnez, Jean-Christophe Lousse and Jean Squifflet
10 Extra-abdominal Endometriosis, 108
Antonio Bobbio, Diane Damotte, Anne Gompel and Marco Alifano
Part 4: Biological Basis and Pathophysiology of Endometriosis
11 Biology of Eutopic and Ectopic Endometrium in Women with Endometriosis, 117
Petra A. B. Klemmt and Anna Starzinski-Powitz
12 Stem Cells in Endometriosis, 130
Caroline E. Gargett, Hirotaka Masuda and Gareth C. Weston
13 Role of Steroid Hormones: Estrogen and Endometriosis, 140
Elke Winterhager
14 Role of Steroid Hormones: Progesterone Signaling, 145
Shirin Khanjani, Marwa K. Al-Sabbagh, Luca Fusi and Jan J. Brosens
15 Early Origins of Endometriosis: Role of Endocrine Disrupting Chemicals, 153
Germaine M. Buck Louis
16 Signaling Pathways in Endometriosis (Eutopic/Ectopic), 164
J. Julie Kim and Xunqin Yin
17 MicroRNAs in Endometriosis, 173
M. Louise Hull and Cristin G. Print
18 HOX Genes and Endometriosis, 184
Jennifer L. Kulp, Hakan Cakmak and Hugh S. Taylor
19 Angiogenesis and Endometriosis, 190
Patrick. G. Groothuis
20 Uterine Peristalsis and the Development of Endometriosis and Adenomyosis, 200
Gerhard Leyendecker and Ludwig Wildt
21 Pelvic Mechanisms Involved in the Pathophysiology of Pain in Endometriosis, 212
Ian S. Fraser, Natsuko Tokushige, Alison J. Hey-Cunningham, Marina Berbic and Cecilia H. M. Ng
22 Neuroendocrine Aspects of Endometriosis-Associated Pain, 230
Pamela Stratton and Karen J. Berkley
23 Pathophysiology of Infertility in Endometriosis, 240
Bruce A. Lessey and Steven L. Young
24 Inflammation and Endometriosis, 255
Daniela Hornung and Ursula von Wussow
Part 5: Models of Endometriosis
25 Models of Endometriosis: In vitro and In vivo Models, 265
Ruth Grümmer
26 Models of Endometriosis: Animal Models I – Rodent-based Chimeric Models, 270
Kaylon L. Bruner-Tran, Melinda E. McConaha and Kevin G. Osteen
27 Models of Endometriosis: Animal Models II – Non-human Primates, 285
Asgerally T. Fazleabas
Part 6: Diagnosis of Endometriosis
28 Surgical Historical Overview, 295
Ayman Al-Talib and Togas Tulandi
29 Diagnosis of Endometriosis: Imaging, 299
Gerard A. J. Dunselman and Regina G. H. Beets-Tan
30 Diagnosis of Endometriosis: Biomarkers, 309
Beata E. Seeber and Kurt T. Barnhart
31 Diagnosis of Endometriosis: Proteomics, 324
Andrew N. Stephens, Luk J. F. Rombauts and Lois A. Salamonsen
32 Diagnosis of Endometriosis: Transcriptomics, 336
Richard O. Burney and Linda C. Giudice
Part 7: Medical Therapies for Pain
33 Medical Therapies: Randomized Controlled Trials/Traditional Medical Therapies, 343
Neil P. Johnson
34 Medical Therapies: Progestins, 351
Andrew Horne and Hilary O. D. Critchley
35 Medical Therapies: Aromatase Inhibitors, 357
Serdar E. Bulun, Erkut Attar, Bilgin Gurates, You-Hong Chen, Hideki Tokunaga, Diana Monsivais and Mary Ellen Pavone
36 Medical Therapies: Statins, 366
Anna Sokalska and Antoni J. Duleba
Part 8: Surgical Therapies for Pain
37 Surgical Therapies: Principles and Triage in Endometriosis, 387
Alan Lam, Tommaso Bignardi and Su-Yen Khong
38 Surgical Therapies: Peritoneal Endometriosis Surgery, 396
Michael P. Diamond and Valerie I. Shavell
39 Surgical Therapies: Pouch of Douglas and Uterovaginal Pouch Resection for Endometriosis, 402
Maurício S. Abrão, Sérgio Podgaec and Luiz Flávio Cordeiro Fernandes
40 Surgical Therapies: Randomized Controlled Trials in Endometriosis, 410
Jason Abbott
41 Surgical Therapies: Rectal/Bowel Endometriosis, 419
Jim Tsaltas
42 Surgical Therapies: Ureteric Dissection and Urological Endometriosis, 426
Anna Rosamilia and Caroline Dowling
43 Surgical Therapies: Robotics and Endometriosis, 438
Camran Nezhat, Arathi Veeraswamy and Chandhana Paka
Part 9: Infertility and Endometriosis
44 Medical Therapy of Endometriosis: Subfertility, 449
Johannes L. H. Evers
45 Infertility Therapies: The Role of Surgery, 455
Oswald Petrucco and David L. Healy
46 Infertility Therapies: The Role of Assisted Reproductive Technologies, 462
Kimberly Moon, Jeris Cox and Alan DeCherney
47 Ovarian Endometrioma: Surgery and Fertility Preservation, 473
Luk J. F. Rombauts
Part 10: Associated Disorders
48 Endometriosis and Autoimmunity, 485
Srinu Pathivada and Thomas D'Hooghe
49 Endometriosis and Cancer: Epidemiology, 501
Paola Viganò, Edgardo Somigliana, Fabio Parazzini and Paolo Vercellini
50 Molecular Mechanisms Underlying Endometriosis and Endometriosis-Related Cancers, 512
Daniela Dinulescu
51 Pregnancy and Obstetric Outcomes in Women with Endometriosis, 519
Henrik Falconer
52 Sexuality in Endometriosis, 524
Brigitte Leeners
53 Psychosomatic Aspects, 533
Brigitte Leeners
54 Endometriosis in the Adolescent Patient, 548
Claire Templeman
55 Fertility Preservation in Patients with Endometrioma, 555
Jennifer Hirshfeld-Cytron, Candace Tingen and Teresa K. Woodruff
56 Eye to the Future: Research, Diagnostics, and Therapeutics, 560
Peter A.W. Rogers and Gareth C. Weston
Index, 565
The color plate section can be found facing p. 78
This title is available for license in the following territories:
Eastern Europe & Turkey
Found In
This title is can be found in the following categories:
Obstetrics & Gynaecology
Women's Health
IMR Agency Limited - Registered England & Wales No. 6562337


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Children are amazing, magical, hilarious, wondrous, brilliant little beings. Please don't have them unless you really, really want them.
Those amazing, magical, hilarious, wondrous, brilliant little beings demand a LOT of time, resources, mental energy, physical energy ... like ... a lot.
There's a reason animals who raise their young do pretty much nothing BUT raise their young when they're a parent. It's hard, fam. But it's just what you're supposed to do at some point, right?
At one point that was the pervasive thinking, absolutely, and people do still seem to assume that if you're an adult in a long term relationship that kids are an inevitable thing. You're just supposed to have them, or at least WANT to have them as far as much of society is still concerned.
But tides are changing. People are starting to think of children as the kind of major life decision that requires some consideration - and lots are considering it and going "Nah."
But why? For those answers, we turn to this reddit thread:
Redditors who have decided they don't want to have children, what is your reasoning?
Look, at the end of the day we feel like just not wanting them is absolutely reason enough not to have them. They change EVERYTHING and are innocent in that, but may find themselves deeply resented by their parents for it. They didn't ask to be born, but are often the ones to suffer most for it.
So unless you really want them, it's probably best to avoid having them. If that's not a good enough reason, there are plenty more here for you to browse through.
Kids can - and should - be the absolute joy of your life if you want them. But not everyone does, and that's okay.
At one point that was the pervasive thinking, absolutely, and people do still seem to assume that if you're an adult in a long term relationship that kids are an inevitable thing. You're just supposed to have them, or at least WANT to have them as far as much of society is still concerned.
But tides are changing. People are starting to think of children as the kind of major life decision that requires some consideration - and lots are considering it and going "Nah."
But why? For those answers, we turn to this reddit thread:
Redditors who have decided they don't want to have children, what is your reasoning?
Look, at the end of the day we feel like just not wanting them is absolutely reason enough not to have them. They change EVERYTHING and are innocent in that, but may find themselves deeply resented by their parents for it. They didn't ask to be born, but are often the ones to suffer most for it.
So unless you really want them, it's probably best to avoid having them. If that's not a good enough reason, there are plenty more here for you to browse through.
Kids can - and should - be the absolute joy of your life if you want them. But not everyone does, and that's okay.
Terms And Conditions Apply
It is my belief that if you are going to have kids you should love them unconditionally no matter what. I have conditions.
Good on you for recognising that. Most people don't or lie to themselves that they don't. They push their conditions on their children under the guise of 'parenting' and 'knowing what's best/wisdom' and give their children lifelong psychological and emotional issues.
Caretaker BurnoutGiphy
I took care of ALL of my parents' needs when they both fell devastatingly "cant wipe my own a$$" ill. My mom was sick for a couple years before passing due to diabetes Type 1 complications, then a year later my dad had a crazy bad stroke that took 3 years to moderately recover from.
My boyfriend was around to help me through both of these experiences thankfully, but its opened our eyes to how demanding taking care of another person is and we're not sure we're up for it. Could just be burn out as we could always change our minds later.
- Ayame550
Took care of both my parents when they were sick and helped raise my younger brother. Caring for people takes a lot of time, patience and is emotionally exhausting. My parents have since passed and my brother is older so he's more independent. This was all in my 20's. I'm drained. I want the rest of my life to be simple and focused on personal goals.
The Only Thing Worse Off Than You Is Your Kids
So many parents are uneducated individuals with no morals who don't discipline their kids and can't afford a twinkie, yet think they're parents-of-the-century. I feel like saying - No, you shouldn't have been a parent and you're an idiot for thinking otherwise.
I hate when people tell me I'd be a great parent. Like how would you know? The only thing worse off than you is your kids... but of course I can't say that..
Just No
I intentionally stopped answering this question a long time ago.
Nobody ever asks people who do want children what is their reasoning.
I could give you any number of reasons ranging from "My childhood wasn't that happy" to "I just don't see my life panning out that way", but when you get right down to it, I just don't want to and I don't understand people who do.
The Younger Sibling Trial
I had to raise my brothers, I got the free trial and want none of that sh!t.
Yep, same here, raised my two younger sisters, and my parents just can't understand why I am not giving them grandchildren. Yeah, been there, done that. No thank you.
Not The Default
I believe that children are a very serious and irreversible lifelong commitment and that the majority of society is wrong to consider them the default option rather than a conscious choice you make for good reasons.
With that belief in mind, I simply have no compelling reason for why I should have children and so I don't have them, because they should be an opt-in rather than an opt-out.
A List
- I don't think this (fcked up) world needs more people.
- I don't like children.
- I don't see myself as a parent and don't think I'd be good at it.
- I don't want to give up stuff like traveling to be responsible for another human who depends on me.
I'm a 25 year old woman. I hate hearing "you'll find the right man to have children with" - no, no I won't. I never wanted kids and I never will.
Get A DogGiphy
I like kids and think they're cute, so I was like "maybe I really do want kids?"
Then I saw a dog and got 100% more excited than I ever am upon seeing a kid. I think that's a pretty solid sign...
I Can't Even Handle Me
I can barely handle my own emotions, what would I do with a young child that needs, well, whatever a young child needs?! I can barely handle my own fckin health what would I do with a small spawn that needs 3x as much??
100% The Money
It's 100% money for me. I'm the youngest of four, and all my life I've seen the havoc that a unplanned (hell even a planned) pregnancy can have on finances. Two of my siblings had plans for their lives but when kids happened those plans didn't. Another of my sister's straight up didn't even get a chance to have a future because she got pregnant in her early 20's and didn't even get a chance to go to college.
Only one of my siblings had kids and is alright financially, but that's because she worked her butt off for years, got married to a guy who also worked his butt off for years, and when they were in a financially stable position they had kids.
- Tupiekit
Contributing To A Different Population
I'm aromantic/asexual, so the idea of baby-making absolutely repulses me. No man is using my body like that ever. At first, it kinda sucked because I really want to have a family, but I realized that I have a horrible relationship with my siblings, so there's no guarantee that I'd even like my kids. I had an awful, lonely childhood and all the things I would have needed are things I simply don't have time to provide.
On top of all that, I have a birth defect that would give me a 60-75% chance of even carrying a baby to term and on top of that, my misshapen uterus would likely give the baby birth defects too. Even if I don't want kids, I know myself well enough to know that losing a baby would still wreck me emotionally, and I'd be at risk of multiple miscarriages and stillbirths. No way! Plus, I have ADHD and depression, both highly genetic conditions. It would be pretty horrible for me to risk passing any of that onto an innocent child just for my own fulfillment, not to mention extremely selfish.
Ironically enough, I'm considering breeding Cavalier King Charles Spaniels one day, so maybe I'll contribute to a different population. Cavaliers are angels.
Refuse To Put Another Person Through This
I have ADHD and a panic disorder. I can barely take care of myself, let alone another tiny human being. I'm also terrified of passing on my anxiety issues to anyone else, it's made my life a living hell and stole my teen years from me. I refuse to put anyone else through them.
- digicow
After Abuse
It's a lot of factors for me. Im 32 years old, asexual and sex repulsed due to severe sexual abuse in my childhood. This coupled with the fact that I have depression and anxiety and would have to go off said medication to have a child, opening me up to post partum depression and generally not being able to cope, I don't think it would be fair to subject a child to that.
My mother had me after years of abuse in a bad marriage and while she wasn't abusive towards me in any way, she had a lot less tolerance for me than she did my siblings, I feel. It's not her fault but I still feel it stunted her emotionally somehow.
Perhaps I might adopt in later life as I would like to give a disadvantaged child a chance at a good life when I am financially stable but I can't see that happening for at least another decade.
The Worst Accident
I have just never had a desire or interest. Children change your life entirely and if they don't, I think you're doing it wrong. I like my life as is. I'm not maternal and I think unless you're at least 95% in you shouldn't do it. I'm not even 5% in.
It always fascinates me that getting pregnant can happen by accident. It's the biggest life altering decision you can accidentally fall into. You've never accidentally bought a car. Most people spend more time debating a car purchase than having a child. It's insane.
I've also always hated when women, and it's almost always women, tell me I'll change my mind. I've been saying this since I was 16. I'm 32 and it's none of your damn business. Could you imagine if I told a pregnant woman she'd change her mind?
Just Not For Me
I don't think I ever decided, but it's something I just always knew. I'm not nurturing or caring especially towards kids and becoming pregnant wouldn't change that. I'm not the type to coo when I see baby. It's not that I hate children, I just don't particularly like them. Almost all of the time I just want to not interact with them and when I'm forced to it's just awkward for the kid and myself.
The idea of raising a life and being responsible for them, teaching them how to essentially be human is hard and terrifying. I'm a very strict person and I feel that my own upbringing would subconsciously affect how I would raise a child in a negative manner. The idea of someone depending on me in a maternal way has always left a visceral feeling that I can't explain and just makes me panic.
I have mental/health related problems and I don't want to even risk giving those issues to a child.
For "selfish" reasons, I just want to live for myself, do what I want when I want, and live an independent life. None of the things I want to do in life have a kid in the picture.
I sometimes think that people have kids because they think it's the natural progression of life or for whatever other reason they decide to bring life into this world, but I don't think it's something I need to do just because it's what's expected of me. The belief that I need to have a child to become a "woman" or that I need to have a child to have a "fulfilling life" is not something people can decide for me.
It's always been a little strange to me why people don't ask why others want kids rather than why they don't.
In other words, it's just not for me.
Do you have something to confess to George? Text "Secrets" or "" to +1 (310) 299-9390 to talk to him about it.


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(Cash Money Mix) - Dirty Harry - Rapid Fire
Of course our daily commute is not as stressful as other employees that are rightfully concerned about gas prices, sitting in traffic with road rage, and are otherwise wound tight before they even arrive at their office ready to spring from all the stress of just getting there.
For someone that works at home making money online, our commute is far different. It probably consists of navigating the hallway or stairway without breaking our necks on a hapless toy left in our path.
The stress of finding our house robe and slippers one of our children have misplaced. The group were joined on stage by Swizz Beatz for the performance. Rapper Trina recorded a remix to "Ass on the Floor" in February The remix features a new verse, rapped by Trina, and will feature on the Trina issued Valentine's Day, From Wikipedia, the free encyclopedia.
Diddy-Dirty Money - "Ass on the Floor". A sample of "Ass on the Floor" with the Swizz Beatz -produced marching beat. Richard and Harper take lead with the vocals. The Outside Organisation. Archived from the original on Retrieved Buzzin Pop.
Village Voice. BBC Radio 1Xtra. British Broadcasting Corporation. Archived from the original on 18 February Swizz Beatz". Archived from the original on 31 December Milian eventually petered out, though.
The video for the former changed the lives for many millennials. Mystikal recorded a lot of material for Cash Money, but no album dropped. He eventually wanted out. I'm a page-turner. I was gonna turn that page, for real, shake it up a little bit. I think they want to keep where they are, because it works for them. Birdman happened to be one of them. Richardson only has an EP to his name.
How many American Idol first place finishers are still relevant? How many American Idol fifth-place finishers are still relevant? The Texas quintet starred in a Radio Disney mall tour and even released an album under the kiddie pop label in You can only really give props to a brand like Cash Money if its risk-taking actually works. With a sound just about as relevant as Radio Disney, things might not get that much better.
As in, K. If she has trouble getting free downloads on DatPiff The Stafford Brothers are house DJs working for a hip-hop-focused label.
Blend tapes became increasingly popular by the mids, and fans increasingly looked for exclusive tracks and freestyles on the tapes. Also since the s, it describes releases used to promote one or more new artists, or as a pre-release by more established artists to promote upcoming "official" albums.
In the hip hop scene, mix tape is often displayed as a single term mixtape. It is now a word to generally describe full-length albums released for free, which is the modern form of mixtape that was made a popular following by 50 Cent and his group G-Unit in the early s, sometimes containing all original music, other times composed of freestyles and remixes of popular tracks.
Media Type Media Type. Yo Gotti 06 Nba Youngboy - No. Boosie Badazz [Prod. By Li Torie] 10 Nba Title 01 Kevin Gates - Mr. By S-X] 11 Kevin Gates Gucci Mane [Prod. By Honorable C. Pnb Rock [Prod. By Yodayae1K] Genasis Ft. Future - Frozen Water 11 - Berner Ft.Jan 09, · The Culture A Time Line to Post-Soul Black Culture From 'Sweet Sweetback's Baadasssss Song' in to Spike Lee's 'Malcom X' in


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The Holidays are hitting the road again to celebrate the release of the third single from their recently released sophomore LP, Real Feel.
'Tongue Talk' is classic Holidays, with a little added pizzazz thanks to some cacophonous instrumental frustration and lyrical wordplay echoing the song's tongue-tied subject matter.
The Holidays are set to play their biggest shows yet in Sydney and Melbourne, Brisbane and Wollongong.
Electronic pop brainchild of PJ Wolf aka Thief will be opening the capital city shows with armed with his synthesizers, and fresh minimalist sound. Step Panther will have the honour of getting the party started at Wollongong's Uni Bar!
Thur 5 June @ UNI BAR, Wollongong (+18 only)
Fri 13 June @ METRO THEATRE, Sydney (ALL AGES)
Fri 20 June @ ALHAMBRA LOUNGE, Brisbane (+18 only)
Fri 4 July @ THE HI FI, Melbourne (+18 only)
Thanks to The Holiday, we've got a double pass to give away to each of the shows:


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Modern Lodge
Collection by Olivia Bennett • Last updated 12 weeks ago
43+ Modern Rustic Master Bedroom Design Ideas
Do you like a rustic bedroom? We think that it is not something bad when you have a plan to ... Read more43+ Modern Rustic Master Bedroom Design Ideas
Vivir Design on Instagram: "Any new angle of this infamous property built by @hammerkraft, and designed by the almighty @katemarkerinteriors, is always worth sharing.…"
3,536 Likes, 45 Comments - Vivir Design (@vivirdesign) on Instagram: "Any new angle of this infamous property built by @hammerkraft, and designed by the almighty…"
First Home Pic Ideas – My Life Spot
Casual Friday: Selling the Cabin plot & More
This week, 9 months after the fire at our cabin, the plot finished getting cleared of all the debris. The investigation took MONTHS and in the end they declared the cause undetermined, which was
This A-Frame Cabin in West Marin Is a Modern-Boho Paradise - Sunset Magazine
A Bay Area designer strips back an A-frame cabin to create a moody, modern-boho hideaway tucked among the evergreens.
Painted brick facades for instant curb appeal
If you watch those American reno shows you'll notice that they are a big fan of painting an old tired brick facade. It's actually a really great way to bring an ugly, boring home back to life. I've also seen a few painted brick homes popping up around Wagga lately.…


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Standard delivery
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Place your order before 6pm (18:00) to receive your order the very Next day (excludes Public holidays).
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You can get your order delivered to participating stores within the UK. Once your order has been delivered to your chosen store, you'll get an email confirming it's ready to be collected.
£4.99Spend over £100 (excluding delivery charge) to get a £10 voucher to spend in-store
Converse Collegiate Joggers Junior
The Kids Converse Collegiate Joggers are a great addition to their everyday wardrobe, crafted with an elasticated waistband with an adjustable drawcord and loopback lining for a warm and comfortable fit, two open pockets and a printed graphic to the left thigh, completed with the Converse branding.
> Jogging bottoms
> Elasticated waistband
> Adjustable drawcord
> Loopback lining
> Two open pockets
> Ribbed trim to the ankle cuffs
> Printed graphic
> Converse branding
> 60% cotton, 40% polyester
> Machine washable
Product code: 482848


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Feel at home in Chester in our hotel rooms and suites
At the Country Inn & Suites in Chester, VA, free Wi-Fi lets you connect with home or the office while relaxing in comfortable accommodations. Welcome each morning by brewing a fresh cup of coffee, and then get ready for the day with the help of a hair dryer and an iron and an ironing board. Before venturing out, you can chill some drinks in the refrigerator so they'll be ready to enjoy as you unwind with your favorite shows on the flat-screen TV. If you're traveling with your family or on an extended stay, consider booking one of our hotel suites for additional space and amenities. Children 18 and under stay free in the same room with an adult, and cribs are available on request.
Accessibility features
We understand that accessibility is important to our guests. Please contact the hotel to confirm if an accessible room will meet your needs or if you have other questions.
This hotel has accessible rooms that may include the following accessible features:
- Amenities within accessible range to reach
- Lever hardware
- Roll-in shower
- Grab bars alongside toilet
- Grab bars by tub
- Transfer seat to tub
- Audio and visual emergency warning devices
- Wider guest room and bathroom doorways
- Braille elevators
- Braille exits
- Wheelchair-accessible lobby
- Wheelchair-accessible public entrance
- Wheelchair-accessible public restroom
100% non-smoking facility
Room types
2 Queen Beds
- max. guests:4 adults,1 child
2 Queen Beds
- max. guests: 4 adults, 1 child
King Bed
- max. guests:2 adults
King Bed
- max. guests: 2 adults
Whirlpool Suite-King Bed
- max. guests:2 adults,2 children
Whirlpool Suite-King Bed
- max. guests: 2 adults, 2 children
Studio Suite-King Bed
- max. guests:3 adults,1 child
Studio Suite-King Bed
- max. guests: 3 adults, 1 child
1 Bedroom Suite-King Bed
- max. guests:4 adults
1 Bedroom Suite-King Bed
- max. guests: 4 adults


text: Sightseeing Nature & Parks Outdoor Activities Places of Worship 7 Best Things To Do In Ranchi, India Michelle Ranchi is the capital city of Jharkand in India. It is blessed with stunning natural flora and fauna, with waterfalls, huge rocks and hillocks which are an attraction for tourists. Let's explore!


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A must-try for all Italian food lovers, this recipe is easier than traditional lasagna.
Lasagna Roll Ups
Recipe Source: Cooking Classy
- 30 min prep
- 45 min cook
- Beginner
A bit different from the traditional recipe, this dish involves spooning cheese and sauce over the noodles, rolling them up and placing them in a pan, and topping it all with another layer of meat and cheese.
What Makes This Pinworthy?
Despite being easier to make, this lasagna has all of the traditional flavors. The meat sauce is absolute perfection and pairs well with all of the other ingredients. There is just the right amount of creaminess and cheese, and the addition of fresh basil and parsley help to give this lasagna a more fresh taste.
For anyone who has ever wanted to make lasagna but not spend a long time doing so, this recipe is a must-try. It still requires a fair bit of effort and time, but rolling up the filled noodles is considerably easier and quicker than creating several layers of ingredients in a baking dish.
This recipe comes together well, and it is not hard to make it look like the photos in the original recipe. Even the noodles worked out perfectly- rolling them up might seem like a daunting task, but they actually rolled up rather easily and held their shape through the baking and serving processes.
Kitchen Tools We Used
In our kitchen, we vet every tool we use for quality, ease of use, and cost. Here are some of the tools we used that you'll find helpful when preparing this recipe.
Disclaimer: Pinworthy Kitchen may earn a commission on purchases made through links on this page.
Improve Your Skills
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Posted by Samantha on March 12, 2020 in Blog, Web Hosting |
Running your own website is a little scary when you're doing it for the first time. Websites look simple, but there are all sorts of tiny things that work together to keep a website working the way it should. So, if you don't know what you're doing, of course it can be overwhelming. But it doesn't have to be.
Posted by Samantha on February 13, 2020 in Blog, Web Hosting |
Powerful hosting is the best decision you could ever make for your website. It's even more important than making sure your website's colors are aligned with your brand and that your brand voice will attract your ideal customer. If your website takes too long to load, or if it develops a reputation of being down more often than it's working, you'll lose visitors. Nobody's going to stick around waiting for your brand-aligned website to load, and your ideal customer will be so irritated at your website's unreliability that she'll just click out of your website and open your competitor's. So, if you want a successful website, you need to start with powerful hosting.


text: Somewhat unusual, I think, for the bluebirds to arrive so early...but they are here in a flurry, hurrying about their business in a whirl and aflutter. Sort of the way it feels to start a new year with lots of plans for music, life, love, joy, family, friends, gardens...a whole life aflutter, awaiting springtime and the promises of summer...a world away from skis and snow and thermometers below zero! Happy new year!


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How Do I File a Business Interruption Insurance Claim?
If your business has suffered an unexpected setback resulting in temporary closure and suspension of operations, it can be difficult to figure out how to pick the pieces back up. Fortunately, many business property policies include business interruption insurance in their coverage, allowing you to cover any costs or lost revenue from an unexpected closure.
If your business is currently closed or shut down due to a sudden event, please contact Bentley & More LLP today. Our California business interruption insurance attorneys have the knowledge and experience to assist you during these difficult times.
What is Business Interruption Insurance?
Business interruption insurance helps cover the costs when your business operations are temporarily put on hold. Some providers make it an elective coverage, while others may automatically add it to your property policy. Regardless, it generally covers:
- Lost revenue while the business has ceased operations
- Any operating expenses such as utilities, rent, mortgage, and taxes
- Employee wages for personnel for a set period of time
- Any expenses to repair your property
- Relocation costs to a temporary location while the original location is being repaired
How Do I File for Business Interruption Insurance?
Filing for business interruption insurance may seem simple and straightforward, but it can be a comprehensive, complex process — especially if a large number of similar businesses are also filing a business interruption claim.
Gather All Pertinent Information
Before starting the process, it is highly recommended to gather any data or information that is pertinent to your case. This includes:
- A copy of your property policy, including any provisions for business interruption
- Expense statements and P&L documents from the last 12 months, at minimum
- Any financial documents that clearly show the impact of the interruption on your business: receipts, invoices, statements
- Any other unexpected expenses incurred due to the interruption
- Any financial transactions, contracts, or agreements that have been postponed or otherwise canceled due to the interruption
- Any governmental mandates or orders that have directly resulted in the interruption, if applicable
- Any prior correspondence with any agents regarding interruption
Consult An Attorney, Especially in Special Circumstances
When you are filing a business interruption claim, it is always recommended to first turn to an experienced attorney for advice. Business interruption insurance policies are often written in a broad scope so that providers can interpret the policy in a very specific manner. This actually allows providers to approve claims in a very narrow scope of qualifications.
For example, many policies state that business interruption insurance kicks in after a "suspension of operations" regarding a business. However, the term "suspension" is often never fully defined, even though it could be interpreted in a number of ways.
Additionally, in unprecedented circumstances, it can often be difficult to figure out what is and is not covered. The recent Coronavirus outbreak, for example, is typically something that is not explicitly mentioned in coverage policies.
A skilled insurance lawyer can help you sort through the language in your policy to figure out what is and isn't covered. In cases that are covered, they can help construct a compelling case and negotiate it on your behalf — and in situations that may not be covered, they may be able to find other avenues for financial relief in your policy.
File Through Multiple Methods
Once you have all the required materials on hand, you can then file your claim with your provider. For commercial property policies, there is generally a specific agent assigned to your policy — if this is the case, you can contact them to start the filing process.
Otherwise, your provider will commonly offer an easy way of finding an agent near you with an online locator on their website. You may also call your provider's toll-free number for information regarding a business interruption claim.
Some providers also offer an online form to start the claims process. You may submit your information in a form to them, and then they may call you back asking for further information and details.
The most effective way to file your claim is to do so with an attorney. Those who have experience and knowledge in business insurance may have inside knowledge of what it takes to have your claim properly evaluated. They can then correspond with the provider on your behalf throughout the process with your best interests in mind.
There is a Waiting Period for Business Interruption Insurance Claims
It is important to note that most, if not all, business interruption claims in California have a waiting period before they are able to receive any funds. Starting from the first day your covered loss begins, the waiting period is usually considered as a type of "deductible" by providers on condition of coverage.
In California, the waiting period can be anywhere from 24 hours to 72 hours — but most commonly, 72 hours is the standard waiting period time before you are paid out. In other words, you will not be compensated for the first three days that your business is non-operational.
We Can Help You File a Business Interruption Insurance Claim
The business interruption claim filing process can be a stressful process made easier by legal representation. If you are considering filing for business interruption insurance, please contact us first to discuss your case. Our business interruption insurance attorneys act in your best interests to get the compensation you need in this difficult time.


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Shootout Showdown: FNAF Shooter is a fan-made game inspired by FNAF games. Your mission here is to fire all animatronic robots from FNAF series. Once you have caught sight of them, you must quickly shoot their heads before they get close to you. Check all the rooms and finish off these enemies as soon as they appear. How many scores can you get? Will you destroy all animatronic robots? Play Shootout Showdown free game now! Hope you have a lot of fun with it!
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text: Common Problems That Lead to Air Conditioning Service Posted April 27, 2017 There are a couple common problems that lead homeowners to call Eco Fresh HVAC Inc. in Anaheim for air conditioning service. Read our list so you'll know what to look for and what could be causing the problems.Lack of maintenance—If you forgot to schedule annual air conditioner service, you might end up paying for it in preventable repair. If your air conditioner's coil and filters are blocked with dirt and debris, your unit can't operate properly. In fact, build up like this generally leads compressors and fans to fail unexpectedly. It's essential to always arrange annual air conditioner service with Eco Fresh HVAC Inc. and examine your air filters routinely to avoid this problem. Leaking refrigerant—Leaking refrigerant causes an assortment of complications, including a frozen coil. You can't fix a refrigerant leak by just adding more refrigerant. You'll need a pro to repair the leak and assess it to make sure it's legitimately fixed. They can also fill your system with the precise amount of refrigerant your model's manufacturer requires. That will keep your system working at its best.Problems with outdoor unit—When the fan outside fails to work properly, heat transfer is hampered. This can cause your air conditioner to overheat and even hurt the compressor. If the total unit fails to work, you may have something wrong with your thermostat or wiring.Thermostat issues—Air conditioning repairs from problems with thermostats are common for homeowners. Your specialist can help find a solution, whether you're having programming, sensor or wiring issues. If you have questions about your air conditioner or need to set up a repair appointment in Anaheim, call Eco Fresh HVAC Inc. at 714-855-1717. You can also schedule service or annual maintenance using out online scheduler. We're happy to help!


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Join us Saturday July 25, 2020 at 8 pm on Graziella's Facebook Page for a live auction!
Join Abby (Suzy's sister), Deeb, and the two famous cats Gucci and Louis for an evening of sparkle and fun on Facebook Live! Visit our Facebook page at 8:00 pm on Saturday, July 25, to join the live stream. The auction starts at 8:10 pm. Please refer to this page for the complete auction items. Click the photos to see more details of each piece.
Lot 1: Retail $199.99Starting Bid $100.0010KT Yellow Gold "Jewellery Forever" Canadian Diamond Moose Necklace. 0.02CT.Pendant Certified Canadian Gold
Lot 2: Retail $1,200.00Starting Bid $580.0014KT White Gold Emerald and Diamond Ring. Emerald: 0.65CTDiamonds: 0.20CTW
Lot 3: Retail $279.99Starting Bid $140.00 10KT Yellow Gold "Forever Jewellery" Canadian Diamond Maple Leaf Necklace. 0.03CT.Pendant Certified Canadian Gold.
Lot 4: Retail $1,150.00Starting Bid $490.00 10KT Yellow Gold Diamond Ring. 0.40CTW.
Lot 5: Retail $299.99Starting Bid $150.00 Sterling Silver "Forever Jewellery" Canadian Diamond Compass Necklace. 0.13CTW.
Lot 6: Retail $1,000.00Starting Bid $199.00 10KT Yellow Gold 0.13CTW Diamond Wedding Band.INTERNET CRASHER DEAL!
Lot 7: Retail $369.99Starting Bid $190.00 10KT White Gold "Forever Jewellery" Canadian Diamond Snowflake Necklace. 0.05CTW.Pendant Certified Canadian Gold.
Lot 8: Retail $3,550.00Starting Bid $1,450.00 14KT Yellow and White Gold Diamond Ring. 0.70CTW.
Lot 9: Retail $349.99Starting Bid $175.00 10KT White Gold "Forever Jewellery" Canadian Diamond Necklace. 0.10CT.Pendant Certified Canadian Gold.
Lot 10: Retail $430.00Starting Bid $210.0014KT White Gold Citrine, Peridot, Chrysoberyl and Diamond Ring. Diamonds: 0.04CTW
Lot 11: Retail $580.00Starting Bid $290.0014KT Yellow Gold Diamond Necklace. 0.18CTW
Lot 12: Retail $2,700.00Starting Bid $900.0014KT White Gold Ruby and Diamond Ring.Ruby: 0.86CTDiamonds: 0.19CTW
Lot 13: Retail $1,100.00Starting Bid $425.0010KT White Gold and Diamond Necklace. 0.50CTW.
Lot 14: Retail $1,250.00Starting Bid $380.0018KT White Gold Diamond Necklace. 0.25CTW.
Lot 15: Retail $485.00Starting Bid $230.0014KT White Gold Diamond Earring Jacket 0.13CTW.
Lot 16: Retail $410.00Starting Bid $210.0014KT Rose Gold Diamond Necklace. 0.07CTW.
Lot 17: Retail $350.00Starting Bid $170.0014KT white gold created Ruby and Diamond ring. Created Ruby: 1.48TW.Diamonds: 0.06CTW.
Lot 18: Retail $950.00Starting Bid $325.0018KT White Gold Diamond Cross. 10KT Chain. 0.25CTW.
Lot 19: Retail $2,299.00Starting Bid $875.0014KT White and Rose Gold "Maple Leaf Diamonds" Floating Lily Ring. Canadian Diamond: 0.15CT MLR522997 Side Diamonds: 0.35CTW Canadian Certified Gold.
Lot 20: Retail $585.00Starting Bid $290.0014KT White Gold Diamond Necklace. 0.12CTW.
Lot 21: Retail $1,150.00Starting Bid $49.9914KT White Gold Orange Sapphire and Diamond Ring.Sapphire: 1.00CTDiamonds: 0.25CTWINTERNET BREAKER DEAL!
Lot 22: Retail $950.00Starting Bid $350.00Mido Baroncelli Blue dial Automatic 38MM Watch.M86004151
Lot 23: Retail $380.00Starting Bid $190.0014 KT White Gold Garnet Ring


text: If you could ask for anything, including a gift card, what would it be? Or where would the gift card be to? Please keep in mind this needs to be a realistic expectation... If it's a GC, what's the best place to get the best deals outside of the holiday months? Cheaperthandirt?


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Discussion about compression algorithms and software.
JPEG XL release candidate
Today, 12:40
Here you may download some very special compressors and test files.
7th July 2020, 15:35
Any other discussion.
Where to buy good tea like...
27th November 2020, 13:13
Build .torrents and delete actual files
Best way to bring compression...
14th November 2020, 20:14


text:
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Todd Harrison and Blackbird Iron and Design built and designed an excellent railing for our entryway. Todd to...Click to call4025 Leary Way NW, Seattle, WA 98107
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Bitcoin extended its gains on Wednesday after PayPal Holdings Inc. said it will allow customers to buy, sell and hold crypto currencies – Reuters reports. It was last up 3.2% at $12,305, just below its highest this year.
Fintech giant PayPal has already agreed to roll out direct sales of crypto currency to its 325 million users. Currently, PayPal can be used as an alternative means for withdrawing funds from exchanges such as Coinbase, but this seems to be a first in terms of offering direct sales of crypto.
Meanwhile, according to Coindesk, Fintech apps that offer crypto are making money. Square, the payments unicorn launched by Twitter CEO Jack Dorsey, rolled out bitcoin purchases in its Cash App in mid-2018. Cash App reported $306 million in bitcoin revenue in its most recent earnings report. London-based Revolut, which began offering crypto to users following a 2017 partnership with Bitstamp, raised $500 million in February, valuing the platform at $5.5 billion. Robinhood, the fintech app thought to be fueling the recent retail boom in equities day trading, first offered crypto in February 2018.
See all the news
რატომ ვერ ვმართეთ კორონავირუსი? - #Forbesკვირა პროლოგი გიორგი ისაკაძე
Q&A: Ek Law Office
LVMH and Tiffany Agree on Lower Price for $16 Billion Takeover
Woman in Charge
Hualing FIZ: Four New International Companies to Establish Free Zone Businesses in Georgia
Focus on Georgia - ADB
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Franco Frattini - Georgia, straying from the rule of law
Letter to the Newsweek Editor: 'Russia Determined to Wield Power in Georgia'
Caspiannews: Georgia's Actions to Seize Foreign Company Disrupt Telecommunications Corridor Between Europe & Asia
Turkish cable manufacturer Koc Kablo has opened its first factory in Georgia
TBC Bank announces management change
EU Local Statement on recent public comments with regards to the German Ambassador to Georgia
Oil prices fall further on virus fears, U.S. crude stock build
Georgia reports 3 new cases of coronavirus and 7 recoveries
The trend of demand for holiday houses is emerging - a study of the real estate consumer market


text:
Jacob Rector
b.Abt 1740 Fauquier County, Virginia
d.Abt 1779 Bedford County, Virginia
Family tree▼
m. Abt 1734
m. Abt 1760
Facts and Events
JACOB RECTOR was born about 1740 in Fauquier County, Virginia. He moved to Bedford County, Virginia in 1773.
Jacob married JANE about 1760 in Fauquier County, Virginia.
Jacob appears in the records as follows:
Fauquier County Deed Book, Page 307. October 1, 1771, John Rector and Catharine his wife of Leeds Parish to Jacob Rector 100 acres.
Fauquier County Deed Book, page 446. October 26, 1773, Jacob Rector and Jane his wife of Leeds Parish to William Young of Prince William County 131 acres adjoining Henry Rector, being part of the land purchased by John Rector of Burgess Ball.
From Bedford County, Virginia we have the following records:
May 23, 1774, Jacob Rector was deeded 200 acres.
February 8, 1777, Charles Rector to Jacob Rector 168 acres on Wade's Branch of Stonewall Creek.
July 27, 1779, Jacob Rector to Thomas Hawkins 200 acres on Cattail Branch.
September 27, 1779, Jacob Rector to Moses Preston 168 acres on Wade's Branch of Stonewall Creek; Jane, wife of Jacob, participates in the deed.


text: Ben Kliewer is an actor, writer and performer who hails from tiny Buhler, Kansas (Pop. 1,343) where he was involved with the arts from a very young age, starring in many plays, musicals, operas,and films before moving to Los Angeles (Pop. 3,792,621). Since arriving in LA, Ben has performed stand-up, improv and sketch at both UCB and Second City, as well as appearing in film and television. His web-pilot GEEX, which is currently in development for Season 1, can be seen at www.watchgeex.com. Ben also loves pizza. www.benkliewer.com


text:
Court to rule on Tesha Miller's claim against State tomorrow
Monday, December 02, 2019
KINGSTON, Jamaica — The court is expected to hand down a judgement tomorrow in a claim filed by Tesha Miller against the State for malicious prosecution, breach of his constitutional right and false imprisonment.
The claim was filed in 2013 after Miller was acquitted of gun and robbery charges, for which he was sentenced in April 2011.
He was set to serve 15 years behind bars.
Racquel Porter


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20 & 25mm Universal Refill, Nominal 6m Length.
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32mm PVA Mesh Refill – Nominal 6m length.
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SEJONG, Oct. 31 (Korea Bizwire) — South Korea's industrial output for September posted its biggest drop in 19 months due to a fall in auto and electronic parts production, government data showed Wednesday, raising concerns that the economy is on the brink of a slowdown.
Production in the mining, manufacturing, gas and electricity industries backtracked 2.5 percent on-month, following a revised 1.3 percent on-month gain in the previous month.
On a monthly basis, the September reading is the sharpest decrease since February last year.
From a year earlier, industrial output also dropped 8.4 percent, following a revised 2.5 percent on-year rise tallied for August.
The September reading is the worst in almost six years.
Production in the service sector remained flat on-month in September, with a 1.4 percent on-year decline.
Retail sales fell 2.2 percent, compared with a 0.1 percent on-month gain in August. The September drop is the largest in nine months. Retail sales rose 0.5 percent on-year, however.
Facility investment rebounded in September, gaining 2.9 percent on-month, following a 1.6 percent on-month drop in August.
For all industries, production declined 1.3 percent on-month, following an adjusted 0.5 percent on-month rise in August. On a yearly basis, industrial production declined 4.8 percent, the latest data showed.
The statistical office said declines in auto and electronic parts production were a major factor for the slump in September's industrial output.
Production of vehicles sank 4.8 percent from the previous month, and electronic parts output fell 7.8 percent.
The average factory operation rate stood at 73.9 percent, down 1.8 percentage points from a month earlier.
"Facility investment rebounded for the first time in seven months, but other data remained weak or in slump," said an official at the agency. "It can't be denied that the economy is not in a good condition."
The data came amid rising concerns that Asia's fourth-largest economy is losing upward steam.
In the third quarter of the year, the South Korean economy grew 0.6 percent on-quarter, the same as the 0.6 percent gain tallied in the second quarter and down from a 1 percent expansion in the first, according to the preliminary estimate by the Bank of Korea (BOK).
From a year earlier, the country grew 2 percent over the three-month period — its slowest on-year growth since the third quarter of 2009.
The BOK revised down its growth target for 2018 to 2.7 percent from 2.9 percent.
In the first nine months of the year, the South Korean economy grew by 2.5 percent.
Sluggish construction and facility investment are seen as exerting considerable influence on the slowdown.
Finance Minister Kim Dong-yeon said the slump in September might have been due to shortened working days and weak facility investment.
"It is too early to say that the economy is going south," Kim told reporters in Changwon, some 400 kilometers southeast of Seoul, after attending a meeting with businessmen.
"We have to review other related data (before judging whether or not the economy is on a downward path)," he said.
As for the recent crash of the local stock market, the minister reiterated that the government is keeping close tabs on all developments, and emphasized that a set of measures are under review for implimentation.
The benchmark Korea Composite Stock Price Index gained 15 points, or 0.74 percent, to close at 2,029.69 on Wednesday, after falling below the 2,000-point mark.
The local stock market fell for five-straight sessions on heavy sell-offs by foreign investors and woes over a slump in the economy and corporate earnings.


text:
France's Prime Minister Manuel Valls has warned France's parliament that he could not rule out terrorists using chemical and biological weapons. Accordingly, the French government has taken its first step in distributing an antidote, Atropine, to Sarin nerve gas. How worried should we be about the threat? What are the steps needed to cope with it? At least one country has put in place a complete system to deal with chemical and biological threats, although more recently Israel's civil defense has focused on protection against missile attacks rather than chem-bio threats. The Israeli system was elaborate and comprehensive in scope. In fact, when I visited Israel just after the Gulf war, I wen
According to news reports, Israel wants the F-15 Silent Eagle. The F-15 Silent Eagle is a stealthy evolution of the F-15 Strike Eagle, which forms the backbone of Israel's Air Force. Some analysts are surprised Israel would request the Silent Eagle. But there are good reasons for it: in fact, the reasons are so good that if our Air Force had common sense it would reduce the size of the F-35 Joint Strike Fighter buy and get the Silent Eagles for our Air Force too. There is, of course, both a sort of respect and competition that characterizes relations between the US Air Force and Israel's Air Force. And there are differences in mission: Israel is a regional power, not a superpower. It most