Why Are Countries Moving To Stop ‘Genetic Discrimination’ In Insurance?

Our genetics are what makes us who we are. Science Daily notes that as much as twelve percent of the human genome can have different genetic characteristics and as much as six to nineteen percent of any given chromosome in the human body. The vast number of permutations that this can offer to the human race is staggering, and it’s what makes us such a unique species. However, hard-coded into our genes are certain things that put us at risk of certain diseases. The American Cancer Society (ACS) notes that there are several different abnormal configurations of genes that are inherited across generations that increase the risk of cancer for individual families. While the transfer of these genes through hereditary has been known for a long time, it has only recently come into focus as people’s eligibility for life insurance hangs in the balance as taking tests to enlighten people about the presence of these abnormal configurations could count against an insurance company deciding to cover an individual.

What Is Genetic Discrimination?

The National Human Genome Research Institute (NHGRI) defines genetic discrimination as a basis of discrimination that is rooted in the genetic makeup of a particular individual. As more and more people become aware of their genetics, companies can start using that knowledge to fuel their own decisions. In some cases, the result isn’t evil – companies can market particular products to people who have a genetic predisposition for short-sightedness built into their genes for example. In the most extreme of cases, however, this sort of discrimination can lead to people not being able to live happy, healthy lives, all because of something that they have no control over.

Ignoring the Elephants in the Room

Because of the ease of availability of genetic testing in more developed countries of the world, people can start finding out about their genetic markers and what diseases they may at risk for. This has the added benefit of allowing individuals to be forewarned of impending problems with their health that are genetically encoded. While genetic makeup can suggest the propensity of an individual acquiring a particular disease, it is far from a sure thing. However, in some industries, all one needs is the chance of something happening to make a decision that could impact a life irreparably.

The Science of Chance

According to the Journal of Insurance, both mathematics and statistics offer significant advantages to the field of insurance since they deal with helping insurers predict risk more effectively. Insurers deal with uncertainty and its impact on human life and well-being. To this end, the potential for people to develop long-term, chronic diseases or potentially fatal diseases later on in life is of utmost importance for these companies. By limiting their coverage to clients that have the potential to develop such conditions, they lower their own risk and the chance that they may have to cover treatment for those patients when they do discover that they have developed the said disease. From the business side of the equation, the idea is brilliant. However, it completely removes the most crucial part of insurance – the element of humanity.

Discrimination By Any Other Name

Human beings have come quite a long way in recognizing our shortcomings in terms of prejudice. We are still struggling in different parts of the world with equality of gender, race, and other factors. Discriminating against someone because of their genetic predisposition towards getting sick is just as bad as discriminating against someone because of their skin color. In a paper published in the journal Public Health Genomics, the author argues that the insurance industry self-regulation in Australia lacks in its application of industry standards for the use of genomic data and that more government oversight is necessary to ensure that everyone has a fair chance at being covered. In other developed parts of the world, similar situations arise that make it evident that safeguards need to be enacted to classify this sort of discrimination and to take action against companies that use it to disqualify consumers from their product.

Public Faith Hangs in the Balance

While it’s not inherently a bad thing allowing insurance companies in Toronto to have access to genomic data to inform their decisions, there needs to be a more robust safety net in place to ensure that that data doesn’t automatically disqualify an individual. Additionally, while these markers indicate a chance of a particular disease showing up, they are by no means a foolproof method of predicting the incidence of illness and should be taken as an indicator. While the premiums for individuals with these sorts of markers might be marginally higher than those without them, their presence should not immediately disqualify a customer from being insured with a company. As the industry has dropped the ball on the usage of this data, it’s up to the consumers or the government to organize to ensure that measures are taken to remove this sort of discrimination going forward. No one should have to suffer for something that they have no control over.

5 Cheapest Places To Get Car Insurance In Canada

Car insurance is a vital part of everyday life, with millions of people living at risk of financial collapse should they suffer from a serious auto collision and not have appropriate coverage. Despite the immense important of good car insurance, however, many young Canadians are finding it difficult to afford good coverage, which has been leading many young people to start driving without coverage.

This is a terrible mistake to make that can haunt you for the rest of your life, yet many people see no other option as coverage is expensive. Here are the 5 cheapest places to get car insurance in Canada, and why you should consider these options before hitting the open road without insurance.

1. Quebec enjoys famously low car insurance rates

The best place to get car insurance in Canada without finding it necessary to break the bank in order to make that happen is doubtlessly Quebec, which enjoys famously low rates that make other Canadian provinces seethe with envy. Compare Quebec’s awesome low rates with that of the more expensive Ontario, for instance, and you’ll see why so many people make the trek out there before buying coverage for the first time. Car insurance rates can be determined by many things, however, and there are a number of theories as to why Quebec’s rates are so low.

Some assert that the province has superior infrastructure that helps mitigate the likelihood of collisions, whereas others simply note that the combination of a public/private scheme and limits on liability help keep prices affordable for most people. Still, not everyone can get to Quebec, and there are other places in Canada that you can rely upon when it comes to attaining cheap car insurance.

2. Prince Edward Island

For those who are looking for a privatized car insurance system, Prince Edward Island has some of the best car insurance rates across Canada that are waiting for your review. The average annual premium hovers around $796, for instance, far lower than the steep costs paid elsewhere around the country. An intense spate of private industry competition ensures that these rates are unlikely to change anytime soon, either – any company that tries to charge more than the average annual rate is likely going to find itself quickly snuffed out by competitors who offer better rates to drivers.

3. New Brunswick saves plenty of after-tax income

For those looking for a car insurance regime that will ensure they pay as little of their after-tax income as possible when it comes to securing their vehicle, New Brunswick is famous for its low after-tax rates. The average annual premium in New Brunswick typically hovers around $728, with auto insurance reflecting about 2.8% of after-tax income in the region, one of the best of such figures in all of Canada. Knowing the difference between the after-tax income percentage you’ll be paying in various regions is an important part of getting a good deal when it comes to securing car insurance for the first time.

4. Nova Scotia sees fewer car accidents

A sparse population in Nova Scotia means that the region sees comparatively fewer car accidents than most other parts of Canada, such as densely populated Ontario, which has the handy consequences of reducing car insurance rates for everybody in the area. While you may have to look harder to find cheap car insurance companies in Toronto, that’s not the case in Nova Scotia. It can be hard to pin down an average annual figure, but it’s most likely that people in Nova Scotia are paying about $735 annual for protect their vehicles, an admirable figure that many in other parts of Canada would kill for a chance at.

5. Labrador is still cheap despite increases

Average annual payments across Labrador have actually being going up in recent years where car insurance is involved, yet the region still features some of the most affordable prices in Canada. Coming in at just below the national average, people in Labrador frequently pay an annual $749 fee to cover their vehicle, a figure that’s grown slightly over the past decade because of an increase in auto incidents.

Outside of knowing where to buy insurance, knowing which cars offer the best rates can also help you secure an affordable insurance regime. Before long, you’ll be securing excellent insurance coverage that makes your fellow Canadians jealous of your low rates.

Why Periwinkle Hair Is Set To Be The Trend Of 2019

Hair trends change faster than almost anything else, and it can be infuriating to miss out on the latest fad only because you weren’t briefed ahead of time. That’s why it’s important that everyone become familiar with periwinkle hair, which is set to be the dominant fashion trend of 2019, especially after some celebrities recently helped supercharge the trend.

Here’s why periwinkle hair is set to be the trend of 2019, who’s helped make it the go-to-color of the year, and how you can prepare your hair for a new, lovely shade of blue.

We can thank Lady Gaga

Perhaps the biggest reason that periwinkle hair is set to be the trend of 2019 is that Lady Gaga blew us all away with an amazing periwinkle performance during the 2019 Golden Globes. Everyone has come to expect Lady Gaga to help set the year’s fashion trend during her public appearances, and the most recent Golden Globes were no disappointment. One might argue that she’s Lady Gaga, she can sit on a wheelchair and make it look good. Well, you might be right but there was something about the way she rocked the red carpet by showing up in a look dominated by the color blue, she dazzled us all once again and help inspire a wave of hair-dying that’s probably still taking place as we speak.

After taking a few moments to marvel at Lady Gaga’s beauty at the recent Golden Globes, you should follow her advice and start picking up the products you’ll need to pull off such an azurely majestic look. After her dress and makeup specialists saw how good Gaga looked in a blue dress, they understandable sought to experiment with her hair color by changing it to a dazzling periwinkle. A number of products were combined for the epic look, including Joico’s Blonde Life Lightner and Color Intensity in the shades of Sky and Rose. You don’t necessarily have to do a home-mix yourself to achieve periwinkle hair, but you’ll only be able to replicate Gaga’s particular look with this combination.

A number of affordable periwinkle options can be found online. The fact that so many of these options are cruelty-free and made from healthy, natural ingredients is doubtlessly part of the reason that periwinkle is so in right now. Not everyone is comfortable buying and applying directly from a bottle, however, so it’s worthwhile to review a mix process if you’re looking for an authentic, unique color specifically shaded to your exact expectations.

Making your own periwinkle

One of the reasons periwinkle will be so dominate throughout 2019 is that it’s not particularly challenging to make. Any home-mix can be a challenge for a beginner, but it’s important to understand you don’t have to break the bank to achieve the color of the blue sky above you. Hunker’s guide to achieving the perfect blue/violet mix is highly recommended. Remember that lighter shades of periwinkle require not only pink but also a touch of white but be careful you don’t go overboard if you’re aiming for a deep blue haze.

If you’re struggling to find inspiration, it’s important to realize that Lady Gaga isn’t the only trendsetter who’s helped make periwinkle hair the biggest trend of 2019. Cardi B recently rocked an astonishing periwinkle look earlier this year, for instance, helping to make the blue shade Instagram famous in a way that substantially bolstered its popularity. With some of the entertainment industry’s leading starlets embracing periwinkle with gusto, it’s safe to say that it’s going to remain a vibrant and popular color for the remainder of the year.

Doubtlessly the final reason that periwinkle is going to remain 2019’s dominant color is its immense creative potential. Periwinkle is becoming a favorite pastel hair color for a good reason – it can match almost anyone and can be adjusted to conform to a wide range of styles. Periwinkle is uniquely capable of hitting some marvelous shades, ranging from a deep blue not dissimilar to distant oceans to a blue-sky color that’s so white it’s almost clear. Some examples help illustrate its vibrant luster, illustrating how obvious a choice it was for Lady Gaga to rock such a color at the Golden Globes.

Regardless of whichever shade you eventually settle on, it’s clear that periwinkle is going to be the dominant color of the year and will continue to make your style pop until the end of 2019.

Top Tips for Choosing Mother of The Bride Dresses For Your Summer Wedding

Bride Dresses

A wedding truly is an exciting event for everyone involved. Especially for the bride and groom, but there really is something even more special about being the mother of the bride. Here, you raised this little girl and instilled here with traits and qualities that she will now one day pass down to her children. However, before that takes place she is going to have to walk down the aisle. And, as the mother of the bride, you are going to have to do your part to make sure her wedding goes off without a hitch. One of the best ways to do that is by choosing an appropriate dress for the summer event.

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Why You Should Embrace Your Oddities

Have you been on a flight and someone slurped their soup loudly? Not just once, but for an entire 10 minutes. You might offer words like uncouth to describe someone’s behavior, but to them, while doing it, it is relatively normal. There are equally situations that you’ve been where someone has deemed your speech or way of doing this different or called them “weird.” If you’ve been told more than a handful of times, it is then understandable if you’re self-conscious.

Being called weird or odd has a stigma attached to it, and we’re here to pop it for you.

It doesn’t all have to be cool; we’re all flawed

While slurping soup is an extreme example, it’s okay if what makes you odd doesn’t make you stand out positively. Some narratives state that what makes you weird is a superpower. Though the aim is to encourage us, it can wrap our sense of who we are. We have amazing things about is, and we have others that we’d do well to change. Therefore, learn to distinguish the weird parts of you that are useful and make a difference, like being super flexible or intelligent. As for flaring nostrils, those make for good comedy, and that’s okay.

No one is normal

Segments from Vanity Fair and other shows have shown us that celebrities can be weird. Someone making petals with their tongue or rotting their ears are all unique qualities to have. There are those who are more honest in their socials, and let you know that they too do weird things. Their reason is that so they can relate to their fans and take themselves off a pedestal. Rest assured that even the person you admire most has some odd things about them. Therefore, there is no such thing as normal.

They remember you Imagine dealing with a family law sub professor that had the habit of tapping his pen when we laughed at his jokes. Years down the like, who will you remember more; the sub or the actual professor? Apart from being engrained in someone’s memory, it’s a fantastic feeling to know what we can become part of someone’s life through their narrative. Next time you want to muffle your quirky laugh, don’t.

It gives you more reason to practice self-acceptance

There are odd things about you that you might never be able to change; same with your flaws and weaknesses. While’s what you can do to mitigate some of them, being okay with being called weird should reinforce your self-acceptance muscle. That lets you focus on things that you do have the power to change because they matter.

Wrap up

We’re in an era where more people are speaking out against being boxed into societal molds. They are realizing that what makes us difference shouldn’t be shunned but embraced. There are too many of us walking around with low self-esteem because others made us feel out of place for aspects of us we have no control over. Take back your power by noting everything weird or odd about you and owning it.

Self-compassion: being a better friend to yourself

Self-esteem, self- awareness, confidence, and empathy are some of the words society has been familiar with for decades. These words and others are crucial when talking about personal development and how to be better to others. We get taught that we should work on and in ourselves to become better people to us and those around us. However, we rarely talk about extending the same attributes we’re to share with others to ourselves.

Compassion extended inwards

Compassion is a mix of sympathy and empathy. In one, you feel for the difficulty in which a person is experiencing walking in their shoes and the other you do walk in them. In this space, humans extend kindness, patience, understanding, pity, sensitivity, and love toward the other but rarely extend the same inward. Think of all the mistakes you’ve made: missing a typo in an important email, snapping at a friend when they didn’t meet your expectations, getting an eavestrough installation request wrong after spending hours with your husband deciding; the list is endless.

When is the last time you extended patience and kindness to yourself after making a mistake? Did you berate yourself or did you correct yourself with the kindness that you would a beloved friend?

Self-compassion for physical and mental health

From a young age, we’re taught to be harsh on ourselves. It is usually either through criticism from others that we turned inward or through hearing how those around us talked about themselves. These thoughts are not without effects on our physical and mental health. When we comfort a friend, we visibly notice their breathing slow down, they relax, and in no time a smile returns to their face. In a case where it’s not tended to, their complaining of headaches, insomnia, fatigue, stress, digestion issues among other symptoms is deemed as an effect of their bashing themselves. The very same thing happens to us.

When we adopt self-compassion in our lives, immediately our wild heart rates slow down, and our immune systems strengthened. Scientific research by neurologists and others in the field also shows our ability to see life in a rosier hue increases as the areas in our brains responsible for pleasure become increasingly active. Overall, self-compassion is the road to improved mental health as you learn to soothe yourself into wellness.

The practice

One can go about being self-compassionate in their lives. Even what feels like a perfect day can have you feeling you made mistakes. In whatever day you’re having, actively catch yourself in self-negating thoughts. Once you have, step outside yourself and talk to yourself as a loving friend would. Do it right now, and notice the difference you’ll feel immediately.

What makes paid cloud storage worthwhile?

Cloud storage has transformed how we work and access our data. At the very least the convenience of it gets its loyal fans. A person can work on their computer and after leaving the house to pick up where they left off of your phone or tablet. The ability to be able to access your files from anywhere is perhaps one of the characteristics that make the times we live in what they are.

While this feature is convenient, there is a limit to it. That then puts a person in a position where they have to decide. A company researching divorce without a lawyer and where multiple people are involved in the project will need cloud storage if people are to access the documents at any time. Therefore, here we are trying to determine if one, even on a personal level, should invest in cloud storage.

The first step to knowing if it is worth the investment is through determining if you have a stable enough internet connection too. In that way, you know that depending on what you’re working, a poor connection will not lock you out. Another aspect to look at is how often you work out of the office. We can’t always afford to take our laptop with us everywhere, and we need more convenient ways of working around that. Therefore, if you’re working on documents constantly and are on the move, having a cloud account would make more sense for you.

The other aspect that ought to encourage someone to get a paid cloud storage account is the security aspect. When you have a paid account as with everything else, you’re able to get additional features. In paid accounts, the company that you select to be your partner can accord you measures to ensure that your content is safe. That is especially so for those who work on sensitive documents and need to keep them confidential and backed up.

The payment plans for most cloud storage services are convenient, and you’re able to pay monthly or annually. Therefore, if you have high-quality content such photos, audio or video, you’re able to upload everything. The free storage given is typically 5-15 GB. With a paid account, you usually get a terabyte or more. That is about what you get with an external hard disk. The difference, however, this time is that you can access documents anywhere. Therefore, you stand to gain more by purchasing cloud storage than relying on your machine to never crash or be stolen.

Training your mind to see what matters


Part of the power of storytelling comes from having a keen eye. There is an art in stating the obvious but in a manner that paints an accurate picture in a reader or listener’s mind. You might not be looking to become a storyteller, but having the ability to equally fascinate yourself and others and makes for interesting conversation. It is likely that you’re not as observant as you wish to be; how many times has someone told you, “No, that’s always been there.” When you pointed out something supposedly new to them?

Why it matters

Most of us, for a long time, have walked around life being content in the things we see. We tend to walk around and undertake tasks wholly stuck in our mental state, completely missing the oddities of life. We almost look at things expecting them to be there instead of seeing them differently each time. We only fully come awake in new environments, and how many of us genuinely have that luxury of always travel?

Being mindful is one of the ways to bring color back into one’s life. You could be going through a rough patch, dealing with the massive issues such as family services lawyer. However, taking a few minutes to observe what’s around you, free of judgment or even thought, makes the difference. It puts you in a mental space to become less overwhelmed by what’s going on in your mind. You’re even likely to get a renewed perspective on what plagues your mind. It’s no wonder people get advised to take a walk when they’re in a heightened state of emotion.

Become present to see what matters

Psychologists will tell you this for free- most people live their lives in the past or the future. Having an active awareness of what’s happening around you for most of your day forces you to be present. Also a quote, that same observation makes you truly realize just how much we aren’t taking a day at a time. From a personal perspective, it is almost as though you’ve wasted the present day, something that, when faced with death, you realize a gift.

Becoming observant requires curiosity to see what the present moment presents. You’re able to note and gather perspectives different from your own either from others actions or speech. As you’re in this space, you’ll begin to record your thought patterns and how you talk and start to critic why you do and say the things you do. Slowly, in this space, your self-awareness will begin to transform you and everything around you will also attain more clarity.

Finding and loving your authentic fashion

We’ve heard quote and saying all our lives telling us to be true to ourselves in all areas including fashion. While that sounds straightforward enough to do, it underestimates the era we live in where we’re constantly bombarded with fashion images in online articles, magazines, and television. From the Kardashian sisters to the Golden Globes, how and who the celebrities are wearing is constant, with brands continually churning out content persuading us to buy in.

Even in this space, there can be a merging of the messaging we get through various mediums and with who we are. A person working at a barber shop and another in the justice system can both find ways to look and dress the part but still, to the acknowledgment of others, do so in a style individual to them. How does one find their real sense of style in a world with so many choices?

They say that fashion is a form of self-expression. Let’s dissect that for a moment; it is a statement of who we are, but how can we show the world the true us if we don’t know who we are? Most people assume that settling into who we are coming with age, but you don’t have to wait for that to wear what you love. When you become self-aware, we learn to work around our insecurities and eventuate what we love about ourselves. One person may have a flat stomach and opt for tight or cropped tops while another chooses shorts or knee-length dresses to show off their legs.

Knowing who you make self-expression second nature and picking up what suits your fancy becomes a lot easier when shopping. You instantly know what works for you and when to give items of clothing that are not necessarily “you” a shot. Others may act as inspiration, but you go beyond their put together look to find your unique style. Apart from your renewed confidence, those around you will begin to note and appreciate how your clothes are an extension of your personality.

How do you get from the current predicament to what we’ve just talked about? We’re not asking that you go off into a long journey of self-discovery (though everyone is encouraged to do that), but a close look at you and your closet goes a long way. Step outside your body or get feedback from those around you as to what your outfits say about you and make necessary changes. Make the conscious effort to present the best version of yourself, even on bad days.