Who is Responsible For the Health Crisis in America?

A baby born in the U.S. in 2004 will live an average of 77.9 years. That life expectancy ranks 42d in the world, down from 11th twenty years earlier.

– Source: Census Bureau and National Center for Health Statistics

BLAME-STORMING THE HEALTH CRISIS

Who is responsible for the health crisis in America? Is it the government? The state of the economy? Parents? Schools? What about you and me? Restaurants? Grocery stores? Or is it our busy schedules? How about those get-togethers and parties you attend? Maybe the presented food choices are to blame. Yes! “Blame.” That is the word I was looking for! We are looking for someone or some institution to blame for our health crisis.

IS THERE A GOVERNMENT CONSPIRACY?

Is there a government conspiracy? If so, just who are the conspirators? Let us get one thing straight. You and I do not need anyone’s help in creating a health crisis. There is a reason for this. You and I are the greatest conspirators of our own lives. We have received more than enough information to let us know what to do to enhance our health and yet we, in many cases, do not act and make the changes. I think that clarifies the conspiracy theory in a nutshell. When I speak of this health crisis, I am not talking about medical insurance or medical costs or treatment. True, this is an important issue. However, this issue only touches on the surface of the problem. How we think, eat and live is the real cause. So who or what is responsible? Do you have an idea? Who is the villain or culprit?

YOU ARE RESPONSIBLE FOR YOUR HEALTH

You are personally responsible for all the decisions you make. Do not blame any institution or anyone else for your poor choices that lead to disease, illness and poor health.

WHY AMERICANS RANK LOW ON LONGEVITY

What has caused America to fall so far behind the statistics on longevity in the world? The ranking went from 11th to 42d. Americans do live longer, but not as long as 41 other countries, according to National Center on Health Statistics. Why is one of the richest countries in the world not able to keep up with other countries? Some say it is because the United States has no universal health care. I do not see that as the primary reason since we have never had universal health care. Here is what I think are some of the primary reasons for this trend:

Adults in the United States have one of the highest obesity rates in the world. One third of U.S. adults 20 years and older are obese and about two thirds are overweight, according to the National Center for Health Statistics.
Americans are extremely sedentary in their lifestyles.
Americans do not exercise at all or very little.
Americans eat too much and they eat too much processed foods, sugar and fat.
As long as the health care debate is limited to insurance, the health of Americans will not improve.

What Makes a Good Health Insurance Cover?

If you are soon going shopping for health care insurance cover, you may find a discussion on what goes into the making of good health insurance cover useful. After all, as you will probably realize, your health insurance purchase is a very important one; one that can have very great implications in your financial life. As such, it is a purchase decision that you won’t want to get wrong.

Now in a nutshell, good health insurance cover is one that ‘provides you with peace of mind at a reasonable price.’ Yes, when you buy the health insurance cover, what you are actually purchasing is peace of mind. So the two elements that make up good health care insurance cover arise out of that assertion: peace of mind and reasonable pricing. These two can be further divided so that we come up with three qualities of good health insurance cover:

1. Adequate coverage: it is from this that we would go on to get the ‘peace of mind.’ You may get insurance, but if there is a huge range of conditions it doesn’t cover – so that the risk of your falling ill and being unable to access good quality health care still exists – then you would know that you wouldn’t be getting true peace of mind. Ideally, if you can afford it, and you end up with a health care insurance cover that caters for pretty much every imaginable health condition that you are at risk of, you would be getting real peace of mind. But since that ideal of having health insurance that caters for everything is pretty much unattainable for most of us, the best we can do is opt for health insurance that gives a ‘reasonable’ level of coverage

2. Trustworthiness: in order for ‘peace of mind’ part of the health care insurance equation to come true, it is important to ensure that you get the health insurance from trustworthy providers. In this regard, there are two things you should check out. The first is the health insurance provider’s record of claim payments. You can’t have peace of mind when you know that the guys you bought health care insurance from have a tendency to bounce or delay claims on legitimate conditions covered by them. Neither can you have peace of mind when you know that your insurance provider is experiencing financial difficulties and may not be in a position to finance your health care, in spite of their willingness to. So how do you ensure that the health policy you buy aces all these tests? The key would be to engage in good research, before buying into any insurance policy.

3. Reasonable pricing: unless you are one of those lucky individuals who have all the money they ever need, chances are that you will also want to know what price you are purchasing the health care insurance at. Ideally, the cost of insurance should be roughly reflective of what you would otherwise spend on health care cost, so that even on your end, the whole transaction makes financial sense. That way, you would be spending on health insurance what you would otherwise spend on health care anyway. But in this case, you would have the added advantage that you more or less ‘invest’ the money, so that whatever the state of your finances when happen to fall ill, you can access decent health care without a care on how you would go on to finance it.

HEALTHFUL TIPS 101 – For Holistic Living

Hello to you all,

Australia is one of the many western societies becoming a place of obsessive, poor nutrient over-eating; many Australians have poor time management coupled with misguided incentives and misinformation, health has been put in the back of our minds. The health of our western culture is decreasing rapidly. More influence from the drug companies is steering many toward artificial and short term answers. Weight loss surgery and weight loss pills are becoming the norm in our society. Pharmaceutical companies are pumping out millions of pills to the unsuspecting public to merely treat the “symptoms”* of poor health related deficiencies and all the while multiple negative reactions cause many to go through the whole process again months or even weeks or days later to receive more “Bandaid Solutions”*.

This article presents a practical approach to achieving and maintaining Optimum health

• NUTRITION; Your knowledge and wisdom
With the weather as erratic as it is around the globe, cooling down to the chills of autumn (fall) and winter, or heating up to the searing temperatures of hot summer days it is important to be feeding the body with the right amount of HEALTHY, FRESH and ORGANIC nutrition to support a sustainable healthy lifestyle. Eat into some fresh homemade vegetable soups which are quickly absorbed into the body due to their already liquid state. Fresh fruits are also a staple part of a healthy and sustainable lifestyle as well as lean and organic meats from chicken and beef to fish and other extremely lean game meats which are exceptionally high in protein and Iron whilst very low in fat.

Most local fresh food markets (NOT SUPERMARKETS) are a great source of healthy nutrient rich food and you can enjoy the atmosphere with a friend over a healthy lunch. If you are unable to make it to the markets and your only choice is the supermarket, then I encourage you to do your shopping from around the outside edge of the shop, where all the freshest vegetables, meats, dairy and fresher bread are kept. Purchase or even grow (if you can) some herbs and spices to enhance the flavour of your meals as well as increase the amount of minerals in your diet. Minerals help the body absorb all the vitamins which work to build better a overall health.

A Psychologist’s Suggestions For Improving Your Health Insurance

Health insurance company earnings were released, showing billion dollar profits by the major insurance companies. Despite these earnings, all of the insurance companies continue to increase their premiums on an annual basis. I am writing as a small business owner, health care provider, and health care consumer to describe my concerns about health insurance abuses.

As a small business owner, the annual 15% to 45% health insurance premium rate increases are unaffordable. Each year, as our employees age, we reduce benefits to afford minimal health coverage. As health consumers, our care is inferior and restricted by insurance company bureaucracy, and we have additional increased out of pocket costs. Just this past week, it was reported on how health insurers have posted billion dollar profits, at the cost of reduced care for the insured. How is this fair? It is time to remove the anti-trust exemption that protect insurance companies, and permits them to abuse the public.

As a health care provider, my income has systematically been reduced, as insurance companies increasingly dictate the care I provide, the fees I receive etc. Additionally, we have been forced to spend more time and money on hiring administrative staff to deal with insurance company errors, obfuscation, and refusal to pay for things that they must. Thus, health insurance companies increase health care costs tremendously simply through their administrative harassment of health care providers. As an example, I counted more than 200 claim errors from one insurance company in one year. This meant that over 200 hours were spent rectifying insurance company errors! Resolution of the problem only occurred after I sought assistance through Congressman Pascrell’s office (for which I am immensely grateful). It is no surprise that private insurance administrative costs of 35 to 40% are way higher than those of Medicare, which are 3 to 5%. This high rate of administrative costs is unacceptable, and insurance accountability must be implemented.

In my quest to resolve the high rate of insurance company errors, I learned that insurance companies routinely employ personnel to deal with bad publicity. They employ entire departments to deal with legislators and the public. They spend unknown amounts of money on advertising and lobbying. In this time of economic distress, and with so many problems funding proper health care, what are insurance companies doing spending so much money on advertising and public relations? Who is looking into the huge burden they add to rising health care costs through all of their administrative errors, public relations gambits, advertising, etc?

How the Killing of Osama Bin Laden Will Affect Business Travel

Introduction

The death of Osama Bin Laden does not conclude the global threat of terrorism but in many instances it will trigger a new wave or business travel threats. If you want to know more on how the killing of Osama Bin Laden will affect business travel then you need to read this article. This article will identify the major delays, disruptions, risks and threats to business travel as a result of this high profile leader’s death. By the end of the article you will know the key issues affecting business travel as a result and be able to identify the primary areas for travel planning and risk management focus.

Bin Laden’s Death

The death of Osama will no more signal the collapse and conclusion of global terrorist events than if the CEO or chairman of a major multi-national were to die also. Global and local terrorism threats are made up of networks, many redundant and independent of any one single point of leadership. Standing Armies, Air Forces and Navies are also constructed along such lines. Would the death of a General bring an Army to a halt? Not likely. Therefore, while being a major news and emotional event for many it will have little to no effect on the command and control of sympathetic terrorist groups. It will embolden some to act, rally to the cause and even further elevate Bin Laden as an icon for their actions, much the same as Che Guevara has evolved as the face of freedom fighters the world over.

Terrorism

Terrorism remains a minor threat to business travel based on the volume of travel and those affected. The responsibility and duty to combat such a threat still remains within the government realm and not that of corporate entities although they do need to be aware of developments and capabilities for local governments to combat or prevent attacks to ensure their travellers do not become targets or affected. Business travellers will still be more likely to be affected by delays, disruptions and threats from more routine and frequent issues such as motor vehicle accidents, illness, airline disputes and bad weather.

The Real Threat to Business Travel

The real threat to business travellers in the wake of the death of Bin Laden will be the subsequent response by the global aviation security and government intelligence agencies. Most will view this result as a success but also be immediately focused on the potential for reprisal. Many individuals and groups are already in the advanced stages of planned attacks but others may rush to action and attack in support of Al Qaeda or Islamic extremists. Their single-minded attention on these issues will result in greater inconsistencies, delays and threats to business travellers.

Over 65s Travel Insurance – 4 Reasons Why It Is So Important

Is you are wondering if holiday insurance is really worth it, It is far more important than you think! If you are thinking about not taking out insurance to save a few dollars, think twice. You could financially ruin your retirement. It can be obscenely expensive to access health care overseas. There are a few companies out there that specialize in over 65s travel insurance. You just need to do a Google search to hunt them down. Here are 4 of the top reasons why getting travel insurance is absolutely necessary, especially when you’re looking forward to enjoying your retirement.

In travel, there’s a wise saying that goes: “If you can’t afford to get travel insurance, then you can’t afford to travel at all.” Getting insurance has always been important, but it’s even MORE important today, with the state of world travel. Here’s reason #1:

Reason #1 – To Cover Health Emergencies.

It’s a hard fact to swallow, but most of us simply aren’t as healthy and strong as a senior citizen as we were in our 20’s and 30’s. That’s why it’s always a good idea to get travel insurance to cover health emergencies. Adequate travel insurance will even cover the costs if you have to be flown home, even if you’re on a stretcher and have to take up the space of six to nine seats! However, don’t expect to be covered for pre-existing illnesses, you are considered a high risk. This fact should save you hours of search time.

Reason #2 – To Cover Travel Delay Costs.

Cancellations and delays are a fact of travel. Just in case your first flight gets delayed and you miss your connecting flight, adequate travel insurance will cover the costs of re-booking, hotel, and food. It’ll soften the blow of the delay, and perhaps even give you a chance to explore the town of your stopover a bit!

Reason #3 – To Cover Trip Cancellation.

Remember that weekend trip that got canceled because you got sick on Friday? Unfortunately, that can also happen now, even if you’re already free from the stresses of work! So as a precaution, get some travel insurance to cover the costs in case the trip does get canceled.

Getting adequate travel insurance will also make sure you’re covered in case your travel agency suddenly goes bankrupt. Unfortunately, it happens, particularly online travel agencies. There are so many small travel agencies popping up these days, some unfortunately not as deep-pocketed than others.

This Dangerous World and the Benefits of Visiting a Travel Clinic

Our world is in so much crisis today. From financial meltdown to conspiracy theories regarding doomsday in 2012, feeling safe seems to be a thing of the past. Fortunately, that’s not exactly true. Protecting yourself from the illnesses you may be exposed to while traveling abroad is still firmly in your hands. The one thing you need to help keep you healthy and safe while traveling to another country is the help of a qualified travel clinic.

The slant of current newscasts may conspire to paint the world as dangerous, but one thing is for certain: traveling across the oceans to other countries still contains REAL dangers. Anyone who is planning on traveling abroad should have a plan of action that includes vaccinations from a friendly neighborhood travel clinic.

What Are Travel Vaccinations?
They are a type of medicine supplied to any world traveler by either inoculation or oral form that will protect you from the diseases present in the countries you are planning on visiting.

What Can a Travel Clinic do For You?
Quite simply, they can put together a plan of action that takes into account what diseases are currently prevalent in certain countries. A travel clinic will peruse your travel itinerary and make professional choices on what type of protection is needed for you personally.

When do Vaccinations Need to be Implemented?
Most travel clinics recommend that persons planning to travel receive vaccinations four to six weeks before they begin their journey. While this time frame is ideal, it is never too late to protect yourself via inoculation, therefore, a consultation with a certified travel clinic is always critical.

What Vaccinations Are Important?
This depends wholly on where you plan on traveling to. Living in a highly industrialized nation makes it is easy to forget how many dangerous diseases still exist throughout the world. Once your itinerary is carefully examined it may be necessary to receive any of the following vaccinations:

· Yellow fever
· Hepatitis (both A & B)
· Typhoid
· Tetanus
· Polio
· Meningitis
· Rabies
· Japanese Encephalitis
· Measles
· Mumps
· Rubella
· Influenza

What Else Can a Travel Clinic do For You?
This list is long and the details are so important. Many issues need to be considered and handled before traveling abroad. These include things like prescriptions. Many of us are taking medicines regularly. This needs to be discussed with the travel clinic and arrangements made to assure you have enough of whatever medicine it is you are currently taking.

The Travel Health and Safety Mistake That Could Cost Your Company Thousands

Introduction

Workplace health and safety has become commonplace for most companies globally. However, the same basic standards and compliance are conspicuously absent for those whose workplace includes travel. If you want to know more about this mistake that could cost your business thousands if not rectified, then read on. In this article we will look at workplace health and safety, travel hazard identification, travel health and safety in conjunction with the potential business losses. By the end of this article you will have the four basic steps to evaluate your risk and the correction steps to save your business from significant loss.

Workplace Health and Safety

All developed countries have very mature workplace, site or project health and safety regulations, many with stiff penalties for noncompliance. While the overarching legislation provides compliance and standards guidelines, companies are able to apply their own evaluation and measurement of foreseeable threats, following a standardized methodology. This enables companies to benchmark their final results and permits replicatable processes.

Due to this common approach and process maturity, many companies have ventured even further by creating self imposed higher standards such as “no harm”, “zero loss”, “100% safe” and other similar internal campaigns to reduce or eliminate any-and-all injury in the workplace, site or project.

Workplace health and safety is not just practiced in the country of origin but also applied to all their various projects and worksites around the world as a global health and safety standard.

Get the Right and Balanced Home Improvement

The Budget: Undoubtedly, the budget plays a huge role. You must always keep the monetary considerations in mind before you decide on the home improvement process. This helps you get a clear cut perspective on the key areas of your home that need improvement. The budget justification of these areas is also the key. Firstly, you can always specify a gross budget. Then you can specify the vital aspects of home improvement. Lastly, cross check whether the budget fits your home improvement demands. Such thorough analysis will help you eliminate the unwanted home improvement needs that might arise out of random sampling.

Use of Resources: Effective and efficient use of resources is the key. It is important that you know your house well. You must have good knowledge of your household goods and the durability factor involved with them. A reasonable analysis helps you know the actual need for change or make over in all the relevant areas.

Integration of the Elements: Integration of certain elements can bring a sense of uniqueness to the home. A good balance of the elements can help any room feel more inviting. Try wood and houseplants to invoke the feel of earth and air. Plants are especially good because not only do they look nice, they actually improve the quality of the air. Candles are great to bring fire’s warmth into a room, as is a fireplace. And a gorgeous fish aquarium or tabletop fountain provides the soothing energy of water. This is one example that presents a blend of exceptional budgeting and efficient utilization of resources.

Renovation: “Renovate” is the key to any home improvement project. You should always know the longevity of all our home belongings. This helps you judge the span of your home improvement project and the time specification you can have. The thin line that separates the need to renovate and the need to change can make a vital difference to the cost of any home improvement project.

The Exteriors: With all the potential improvements you can make to the interior of your home, it’s easy to neglect the outside. But the outside of your home is the first thing people see. If you live in a wood home, make sure the paint is fresh and un-chipped. Paint the shutters a new color to give your home renewed interest. Flower plantation and tree swings can add a great charm to your garden. Installing a pool or hot tub is also a good idea. Not only will you get the benefits of having your own place to splash around in, your home will be worth more if you ever decide to sell it.

Flooring: The flooring or the baseline of the homes makes a lot of difference. These days you have options to choose from. You can always try the new eco-friendly floor heating options available in the market. These not only keep your floor warm in winters but make sure that the heating is balanced in accordance with the outside temperature. They also serve as the best home improvement tasks when it comes to balancing. The amount of energy saving that they do as being substitute to floor heaters is phenomenal.

Home Improvement Help: Lower Your Monthly Electricity Consumption With These Ideas

There are different home improvement help techniques that you may use not only to improve the over-all appeal of your home but also to make your everyday living more eco-friendly. Formulating your own energy consumption plan can only do so much, with the various rising costs and fees that homeowners now have to face. Here are some techniques that you may use to lower your monthly electricity consumption, all of which will also allow you to improve various aspects of your everyday life. With these secrets, you do not only revolutionize the way that you use your house but you also save a few dollars in the process.

If you wish to lend a new look to any room in your home, you may consider changing the windows that you have. Various home improvement help involves changing a couple of things in your home, and this one is no exception. However, you should see to it that you choose window materials and equipment that have more efficient designs. Make sure that you also choose ones that have the right types of glazing to avoid allowing light to come out and to improve the insulation in the area.

While you are in the process, it will do you well to perform various home improvement help renovations to your doors as well, more specifically to the ones that come in contact with the outdoors. Most of the time, regulating the temperature of the indoor portion of your home can be pretty hard because the hot air seeps out through door connections and seals. There are various energy-efficient designs that you may install, all of which will allow you to heat your home in a more efficient manner. Buying these replacements will cost you a certain amount of money, however, so try to save up enough money for this renovation tasks.

If you do not think that you have enough funds to cover the aforementioned home improvement help changes, then you should look into cheaper options that you may use to make your home more insulated. Installing weather strips on your doors and on your windows, for example, will make them more efficient in maintaining the temperature inside your home. You may also invest on cheap rugs and carpets to make your floorings more energy-friendly. Make sure that you stick to using cheaper options to avoid having to break the bank.