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Health Update :-

High school teams raise breast cancer awareness :-

Seeing pink throughout October makes sisters Cara and Mary Kate Facchina feel fortunate.

More than most teenagers, the Mount de Sales tennis players understand the importance of the pink initiatives supported by many high school teams during breast cancer Awareness Month to raise money for the cause and emphasize the need for early detection.

Had it not been for early detection, their mother, Eileen Facchina, might not be coaching Cara and Mary Kate on the tennis court today.

Seven years ago, Eileen Facchina was diagnosed with breast cancer. Because her mother had died from the disease and her sister had had it, too, she was vigilant. Her cancer was caught early, when, she said, it was barely there. She had a double mastectomy and has been cancer-free since.

During October, many local teams participate in national breast cancer awareness initiatives such as the Side-Out Foundation's Dig Pink for volleyball and Longstreth's Play 4 The Cure for field hockey. Some also run the Komen Maryland Race for the Cure.

Others, including the Facchinas' Mount de Sales team, raise money by selling pink wristbands or pink shoelaces. The Sailors began selling pink shoelaces several years ago, donating the money to Mercy Hospital to help fund transportation for radiation patients.

The Talented Roosendaal Rats

Rats have been called many things, but… talented? That doesn’t happen very often, but these two rats aren’t ordinary either. Just like the surfing rats, they do cool tricks.

Trained by Dutch photographer Ellen van Deelen to hold different musical instruments and pose for the camera, the Roosendaal Rats are considered very talented by their owner. She confesses rats weren’t exactly her favorite creatures, but, after buying these two, she realized they are highly intelligent creatures.

They simply grab the instruments, hold them in a professional manner and aren’t camera shy at all. On the contrary, they listen to their trainer’s commands to the letter, during photo-shoots.

Now, Ellen aims even higher and wants to teach her furry pets to play the instruments and wants to turn the duo into a larger band.















Types of Personal Accident Insurance Policies
Under personal accident insurance, the policyholder, if injured, receives cash benefits every month, just like income, for as long as s/he is unable to work due to the accidental injuries. This income is non-taxable and does not exceed the policyholder’s after-tax earnings minus the state benefits s/he can claim. In case of death of the policyholder due to an accident, the family receives a specific lump-sum amount.

There are eight common types of personal accident insurance policies:

• Individual: This policy can be taken by any individual. The benefits usually enclose partners and children. Since several activities are excluded from this policy, it is not as useful for people who love adventurous sports, like mountaineering and rock climbing.
• Children: The purpose of this policy is to provide financial help to parents if they are unable to work or if they incur expenses as a result of an accident.
• Group: This policy is used by companies to cover employees for expenses related to accidents.
• Self-employed: Since self employed individuals are not eligible for employee benefits, they are worse off when injured in an accident.
• Team: Through a team accident insurance policy, organizers can seek cover for all the members of a sports team.
• Professional: This policy is specifically for self employed professionals, such as a sportsperson, actor, lawyer or doctor, who have special requirements.
• Over 50: This policy targets people over 50 years of age, as accidents can cause more grievous injuries to them.
• Travel accidents: This policy offers benefits in case the policyholder meets with an accident while traveling.

wonderful collection of avian imagery, simply magnificent

Types of Home Equity Loans
The home equity loan can be applied by filling the application form on the online and generally the approval time varies from loan to loan. Many borrowers get an instant approval as soon as they apply online. However, in some cases we will need additional information before we can arrive at a credit decision.

There are basically two types of home equity loans. A traditional home equity loan also called as second mortgage and a newer type is a home equity line of credit also abbreviated as HELOC.

The traditional home equity loan is a loan in which the bank/lender offers you a lump sum of money that must be paid back within a period of time. In this type of home equity loan the interest rate begins as soon as the bank/lender issues you the money.

While in the newer type that is the home equity line of credit the bank/lender will issue you a checkbook or the credit card to purchase, which then will accrue from the home equity. In this type of loan that is line of credit the interest rate begins only after you make the purchase actually. These allow you to borrow up to a certain amount for the life of the loan - a time limit set by the lender. The helloc gives you more flexibility than a fixed-rate home equity loan.

There is several ways for the repayment of an online home equity loans. The most common and popular way of repayment is to make regular payments towards your interest and principal. It is possible to remain in debt with a home equity loan, paying only the interest and not paying down the principal. The time period for the home equity online loan repayment is usually the shorter period than the first mortgages.