Advantages And Disadvantages: Cord Blood Banking By B Columbo

Parents to-be face an interesting dilemma of whether or not to do cord blood banking of their unborn child. There are several advantages to storing umbilical blood of the newborn as it has proven to be life-saving in many cases where the child had life-threatening conditions and there is lot of research still going on. So, the decision to save umbilical blood is not difficult to take. The harder decision is whether to store it in a private cord blood bank or public set up. The implications of this decision are not apparent now but will be borne out only years or decades later.
Here in this discussion we will try to lay thread bare the pros and cons of saving your baby's umbilical blood with public banks and private banks and tackle all the issues surrounding this delicate subject.
Public Cord Blood Banks - The Advantages
1. When you donate the baby's umbilical blood to the public banks, it is collected and stored for free. No charge to you.
2. This a free service offered by the government and so the blood donated becomes public property and is offered to whoever needs it and at no cost to that person.
3. As a public entity the bank makes the donated stem cells available to research labs.
4. Any person can request for umbilical blood stored in the public banks for their legitimate use.
5. If you plan on donating the umbilical blood the doctor collecting the blood will not charge for their service.
Disadvantages Of Public Cord Blood Banking
1. Due to the large number of public banking projects supported by the government, it is difficult to the get the right match at the right time.

2. Every citizen is entitled to the donated blood stored in public banks, hence there is no guarantee that you will get the umbilical blood of your baby if and when you need it.
3. The chances of rejection are higher for transplantation done using non-related donors. When you use public banks the chances are high that your body might reject the donated stem cells.
4. Once the umbilical blood is donated it becomes the sole property of the bank. The donor has no rights over it.
5. The banks will decide who will receive the donated stem cells. The bank will not consider any request to store the blood donated by you for your exclusive use.
6. Even with public cord blood banks, to the donor does not pay any money for collection and storage, the end-user will have to pay about $5000 dollars as processing and storage charges. This can be deal-breaker for many, particularly if the insurance companies do not pay for it.
7. Finding perfect matches for transplantation or treatment of rare conditions or genetic diseases is tougher when trying to get it from a public cord bank. This is especially true for minorities.
Advantages Of Cord Blood Banking
1. As you pay for collection and storage of the blood done with a private setup is reserved exclusively for your family's use.
2. When times comes you don't have to look for compatible donors as the donated blood is all yours and no one has any claim over it.
3. The risk of rejection from stem cells transplanted using close relative's donated blood is more acceptable to the body and the risk of rejection is very low.
4. There is higher success rate for transplants done with private umbilical blood donated by close relative compared to public banks.
5. The ownership of donated blood remains with your family.
6. You choose the beneficiary of the donated blood.
Disadvantages Of Private Cord Blood Banking
1. When transplantation is autologous, then donated cord blood is of little use. A related donor's stem cells are of better value.
2. Collection and storage charges of private banks can be very high and out of reach of many folks.
3. Most insurance will not cover the costs of collection and storage of this blood. Only when there are genetic disorders do insurance companies pay for such storage.

B. Columbo, is interested in cord blood banking and has written articles to help lay persons understand the different options available. For the detailed article on Cord Blood Banking Costs. Click here. His articles are featured on Cord Blood Banking and other websites.

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Car Insurance Quotes Come To Fruition By Jack Tralston

When you are in the market for car insurance, whether it be for a renewal or if you're just interested in changing companies, car insurance quotes can a be really useful tool. The ability to shop for car insurance without having to commit too much to anyone plan has definite perks for the consumer, and enables them the freedom to make the best decision while simultaneously and continuously forcing competitive rates from leading companies.
Since the big car insurance companies today control the market in much the same way they have for decades, by being familiar brand names with big advertising campaigns, it is useful for the smaller companies to invent ways to pull the public's attention to them by offering free quotes, or buying incentives or other promotional bonuses.
For instance, in the 2000's the car insurance company Progressive came onto the scene and made them selves famous on almost entirely their online tool that offered people leading competitor's rate quotes alongside their own. It was extremely effective, because people admired their honestly and straightforward approach.
Once the online car insurance quote was seen as a successful endeavor, every company started employing the method. Now every insurance vendor that has a website also has an online insurance quote tool, because if they didn't no one would choose their business no matter how low their rates were.

What most of these car insurance companies have no doubt discovered, once the general public experiences the benefits of a commodity, nothing is the same again. We only wish to have it and nothing else, and we refuse to let go of it until some other bright, shiny object comes along.
This is mainly the reason our society is in constant flux. As we learn to see things in new and different ways, out entire outlook of the world changes right along with our perspective. We always seem to look forward without every looking back.
This outlook is definitely a positive one, for if we became convinced that we had no power to change our lives and our surroundings, change would most surely halt right in front of our eyes, and that would be a sad day. In fact, I believe that complete halt is either impossible or leagues away from our current state of affairs.
Car insurance companies feel around the same way about change, in fact they thrive on it as well. Despite their consistent tendency to act the part of France during the Revolutionary war and move on something only after the initial storm is over, they all still had the brains to realize that the people, their customers, are in control. They survive and make their way in our commerce, and respect is due there I suppose.

I have more reviews, tips and information about car insurance quotes at my Web site.

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The Money Market Accounts By Bret Dashel

If you are looking for a safe investment that will yield great returns, some of the most viable options on the market are Money market accounts. Naturally, you want to get the best deal available, to do so just follow these tips:
1. Window Shop- Banks are always trying to outdo each other for new business, interest rates and terms will vary from bank to bank, as will the bonuses that they will offer. Look at as many offers as you can and pick the best. Credit Unions are also worth looking into, and quite often they offer the best rates.
2. Invest Big- While interest rates for money market accounts are higher than saving accounts, these are still considered conservative investments, if you want to earn a lot of interest, you need to invest a lot of money. Banks and institutions that offer the accounts, usually require large minimum deposits.
3. Link your money market account to your checking account- Maybe not a great idea for your money making account, but this is a good safeguard against accidental overdrafts. Banks do charge huge overdraft fees.

4. Avoid withdrawals- The whole point of a money market account is to earn interest; if you withdraw frequently, it sort of defeats the purpose. Banks also typically limit the number of withdrawals you can make to about six per month. Should you exceed that, there will be stiff penalties charged.
5. Monitor your earnings- While it's best to leave the money alone, it is also a good idea to keep an eye of how much it is earning, and whether or not you are getting the yields you expected.

Bret Dashel is a senior copywriter for Ratelines.com. For nearly 6 years, Ratelines has been an objective and reliable source of financial information. For factual advice on top cd rates, please visit our site.

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