October 30, 2007

Keeping A Prosperity Journal

Filed under: Help 4 U — admin @ 11:02 pm

>From the dictionary: cre·ating - To cause to exist; originate.
To bring about; produce. pros·per·i·ty - Financial success or
well-being. jour·nal - A daily record of occurrences or
transactions…

Creating a personal prosperity journal will focus and empower
your goals and the future, by recording and tracking what you
want to create in life now and in the years to come.

A prosperity journal is an expression and testament, written
proof, of how you define what you want from life. From that
clear understanding, it also defines what you do not want from
life.

Begin your prosperity journal by writing a concise description
of what prosperity means to you. If you already keep a journal,
keep a separate section for your prosperity journal. You can use
a blank book, notebook or your computer to start a new journal.
Blue-sky as you think about and answer these questions: What
does prosperity look like? What does it feel like? Who is there
with you, a partner, family, friends or co-workers? What do you
look like? Are you heavier or lighter in weight? Are you smiling
and happy? How are you dressed? What is your hair style?

Also ask yourself about your house. Ask about the car you are
driving. Ask yourself where you live. What work to you do and
what is your job title? How much money do you make? Do you love
getting up in the morning? Do you love going to work? Do you do
volunteer work? What makes you the happiest? Also, include any
other questions that are specific to what is important to you,
your life, and your desires.

Then ask yourself why you answered each of these questions as
you did. Ask yourself why that certain car or house or how you
look is important to you. Clearly defining and understanding
what you value and want can clear the way for life to abundantly
provide those very items for you. Plus, if you are clear about
what and who you are looking for, you will recognize when it
appears.

You can do this exercise every week, every month or every year.
Be sure to date all your entries so you can compare what has
worked in life and what has not.

Write it down, see it, feel it, visual, know yourself better
through creating a prosperity journal.

Copyright 2006 OMDC, LLC

Ergonomic Questionnaire

Filed under: Health Hub — admin @ 7:11 pm

These days, computers have become so inevitable part of our
lives that we need to use it for various purposes. Be it a free
time or working hours, except a very few people, all depend on
this machine to get their jobs done. There are certain things
you need to know about the computer work hazards and the
preventive techniques you need to follow to make your stay in
front of the computer, trouble free.

I have come across some common worries shared by people who have
to sit for long hours in front of the computer.

Is there a term called overuse of computers? If so, where do I
draw the line?

If I have to use it on a daily basis, how many hours of my
presence in front of this machine is recommended?

Will I be able to finish my work if I am to follow my
recommended time schedule?

Here is a checklist that will help you create a safe, sound, and
relaxed workstation. You can try using it in combination with
the purchasing guide checklist. There are two options - ‘Yes’
and ‘No’. The questions relate to different topics like working
postures, seating, keyboard, monitors, accessories, work area
and some general questions. If the response is ‘no’, it means
that a problem exists. Working Postures:

1. Do your head and neck need to be upright, or in-line with the
your torso (not bent down/back)?

2. Do the head, neck, and trunk need to be facing forward
without twisting?

3. Does your trunk have to be perpendicular to the floor (you
may lean back into backrest but not forward)?

4. Do your shoulders and upper arms need to be relaxed and
in-line with the torso, normally about perpendicular to the
floor (but not elevated or stretched forward)?

5. Do the upper arms and elbows need to be close to the body and
not extended outward?

6. Do your forearms, wrists, and hands need to be straight and
in -line (forearm at about 90 degrees to the upper arm)?

7. Do the wrists and hands need to be straight (not bent up/down
or sideways toward the little finger)?

8. Do both the thighs need to be parallel to the floor and the
lower legs to be perpendicular to floor (thighs may be slightly
elevated above knees)?

9. Can your feet rest flat on the floor or should they be
supported by a stable footrest?

Seating (Chair):

10. Does the backrest of the chair support your lower back?

11. Does the seat width and depth have the capacity for the
specific user (seat pan not too big/small)?

12. Is the seat pan of your chair too long to press against the
back of your knees and lower legs?

13. Is your seat cushioned properly, rounded, and blunt with a
“waterfall” front?

14. Do the armrests of your chair support both forearms while
working on the computer without meddling with your movement?

Keyboard:

15. Are the platforms for the keyboard/input device stable and
large enough to hold a keyboard and an input device?

16. Are the input devices (mouse or trackball) located right
next to your keyboard so that they can be accessed and used
without having to reach them?

17. Can the input devices be easily activated with their size
and shape fitting your hand (not too big/small)?

18. Does your workstation ensure that your wrists and hands do
not rest on sharp or hard edges?

Monitor:

19. Is the top of the monitor screen at or below your eye level
so that you can read it without bending your head or neck
down/back?

20. Can the user with bifocals/trifocals read the screen without
bending the head or neck backward?

21. Does the distance of the monitor allow you to read the
screen without leaning your head, neck, or trunk
forward/backward?

22. Is the monitor positioned directly in front of you so that
you don’t have to twist your head or neck?

23. Do you ensure that glare (for example, from windows, lights)
is not reflected on your screen that makes you sit in awkward
postures so as to view the screen better?

Work Area (Desk and Workstation): 24. Between the top of the
thighs and your computer table, do you have enough room or your
thighs (thighs are not trapped)?

25. Do you ensure that your legs and feet have sufficient
clearance space under the work surface so that you can get close
enough to the keyboard/input device?

Accessories:

26. Is your document holder stable and large enough to hold
documents?

27. Is your document holder placed at about the same height and
distance as the monitor screen so that there is little head
movement, or need to re-focus, when you look from the document
to the screen?

28. Is your wrist/palm rest padded and free of sharp or square
edges that push on your wrists?

29. Does your wrist/palm rest allow you to keep your forearms,
wrists, and hands straight and in-line when using the
keyboard/input device?

30. While doing telephone and computer tasks simultaneously, do
you keep your head upright (not bent) and your shoulders relaxed
(not elevated)?

General:

31. Do your workstation and equipment have sufficient
adjustability that ensures your safe working posture while
allowing you to make occasional changes in posture when you work
on your computer?

32. Are your computer workstation, components, and accessories
maintained in serviceable condition and do they function
properly?

33. Are your computer tasks planned in a way that allows you to
vary tasks with other work activities, or to take micro-breaks,
or recovery pauses while at the computer workstation?

So that is all about it. Living carelessly is the easiest thing
to do, but could be the most dangerous thing too. On the other
hand if you take some precaution, it can be the foundation for a
healthy living, later in your life.

Remember that all the computer related hazards are not going to
hamper your life in a very short span of time. But it may take
years to show the symptoms. As I said earlier, prevention is
better than cure.

Conspiracy of Silence

Filed under: Great New Age Tips — admin @ 10:30 am

Direct Answers - Column for the week of January 12, 2004

I’m hoping you can help me with a moral problem that crops up every now and then in my personal and professional life. Sometimes I find myself being blamed for an error or lack of judgment that actually occurred on someone else’s part. For example, I asked someone at work about using a certain location for a display, was given the go-ahead, then chastised for using that location.

When the only way I can defend myself involves pointing the finger at someone else, I’m in a real quandary. I am rarely prepared to defend myself if it means making someone else look bad. I handle the problem by saying nothing. I simply don’t know what to say.

There is usually ample opportunity for the person responsible to come forward, but I find that hardly ever happens. How can I handle this type of problem without taking the low road of attacking others? What is the moral or ethical thing to do?

Karla

Karla, each of us has principles of behavior rattling around in our head. These principles range from the Golden Rule to Miss Manners’ etiquette to the Boy Scout Creed. Often we are not sure which principle to apply.

The principle you are applying here is the playground and schoolyard rule which says one shouldn’t snitch to a parent or teacher. It is not an ethical rule so much as a rule children employ in play. A much more basic rule applies. That is the rule which says, in simple justice, each of us deserves to be known for the person we are.

Your lack of explanations makes you look guilty. Coming forward and explaining why you acted as you did should not be a moral or ethical problem for you. It is simply a matter of fact. If you acted because Sheila told you to do it that way, or the employee handbook says to do it that way, or you have always done it that way and no one told you otherwise, you are simply reporting a fact.

You should look at this as an impersonal matter, much as if you are reporting the time or the weather. When you report facts in these situations, there are three rules to remember. The three rules are: don’t apologize, don’t apologize, and don’t apologize. An apology is due when you have done something wrong; no apology is called for when stating the reality of a situation.

Karla, you don’t have an ethical problem here, but the people who know the truth and remain silent do.

Wayne


Missing Holiday Spirit

This Christmas I went to a lot of trouble to find special gifts for my grandchildren. I have some health challenges, and it was a stretch physically to shop for these gifts. Since I was in their neighborhood the week before Christmas, I left my presents under the tree ahead of time.

They expected me Christmas morning, and I called ahead to say I was on my way. When I arrived carrying two grocery bags with food, my grandson met me at the door saying he really liked the books. I couldn’t believe my ears. They had opened my gifts without me!

I told my daughter I was disappointed, and she said she was “sorry” I hadn’t left “instructions.” Her husband told me they have a rule in their house: no whining. What should I do? Skip Christmas for them? Forgive and forget? Move?

Clara

Clara, if a tree falls in the forest and no one is there, does it still make a sound? If a child receives a gift and you are not there, is he still filled with joy?

Don’t skip Christmas with your family. Next year take the gifts with you on Christmas morning, and be grateful for a son-in-law with such a wise rule for his household.

Tamara

About The Author

Authors and columnists Wayne and Tamara Mitchell can be reached at www.WayneAndTamara.com.

Send letters to: Direct Answers, PO Box 964, Springfield, MO 65801 or email: DirectAnswers@WayneAndTamara.com.

Book Excerpt: Give Me a Home Where the Dairy Cows Roam

Filed under: To Read A Book — admin @ 10:17 am

When I reached the top of the driveway after getting off the school bus one April afternoon, I couldn’t help but wonder why Dad was standing on the stepladder next to the tractor.

I had never seen my father use a stepladder to fix a tractor. He didn’t have to climb on anything to reach the engine. I also knew he wasn’t filling the tractor with gasoline. The 460 Farmall was too far away from the gas barrel underneath the silver maple tree by the garage, so the hose wouldn’t reach that far.

“What’s Dad doing Needles?” I asked.

Our dog, Needles, had come to meet me, his tail going in circles. Needles was a Cocker-Spaniel mix we had gotten when he was a tiny cream-colored puppy with wavy hair on his ears. Within the first week, he had nipped my sister’s ankles while she was hanging clothes outside to dry. She had exclaimed, “Get those needles out of here!” And the name had stuck. As Needles grew older, his color had darkened to light caramel.

At the sound of the word, ‘Dad,’ Needles’ ears perked up, and his round, dark-brown eyes stared at me with sharpened intensity. Needles was Dad’s ‘hired man.’ That’s what Dad said, anyway. When my father worked in the field, the dog would either trot behind the tractor or, on warmer days, would find some shade at the end of the field where he could keep an eye on things. When we milked cows, he stayed in the barn, sometimes nudging aside the cats so he could drink some milk from their dish. And when Dad went on an errand with the pickup truck, Needles often rode with him.

“What’s Dad doing?” I repeated. “Go find Dad, Needles.”

The dog, his feathery tail still wagging, spun around and took off toward the machine shed.

I stood for a minute, listening to the redwing blackbirds singing in the marsh below our driveway—on-ka-leeee-eeeeee, on-ka-leeeee-eeeeee. From the pasture next to the barn, meadowlarks joined in—tweedle-ee-tweedle-eedle-um, tweedle-ee-tweedle-eedle-um.

As I turned toward the house, my books tucked in the crook of one arm and my jacket draped over the other, I still couldn’t quite believe that the sun was shining. For the past two weeks, the weather had been cold and rainy, but today the dark clouds had gone away and the sun had appeared. During afternoon recess at school, it was so warm that we had all taken off our jackets.

Last night at supper, Dad said he wished it would stop raining, and I knew this was the kind of weather he had been waiting for so he could plant oats and corn, although he wouldn’t start for a few days, not until he was sure the fields were dried out and that he wouldn’t get stuck in the mud with the tractor.

Although I usually went into the house right away when I arrived home from school, today I set my books on the porch steps. The house seemed bigger, somehow, now that the snow had melted and the grass was beginning to turn green. My mother said our house was nothing more than a glorified log cabin—and in fact, underneath the siding it was a log cabin that had been built by my Norwegian great-grandfather.

The rumbling in my stomach reminded me it had been a very long time since lunch. I liked to eat a snack right away when I got home from school, but with Dad working outside by the machine shed, curiosity got the better of me and I figured I could always eat a snack later.

When I drew closer to the machine shed, I saw a green bottle standing on the engine cowling next to Dad’s elbow and a wad of rags hanging out of his back pocket. Dad was wearing faded blue work overalls, a blue short-sleeved chambray work shirt and brown leather work boots. During the winter, he wore long-sleeved plaid flannel shirts, but during the summer, he wore short-sleeved shirts.

“What’re you doing?” I asked.

My father looked up quickly, as if he were surprised that someone had spoken to him. Needles sat beside the tractor, keeping a watchful eye on Dad.

“Home from school so soon?” Dad asked, reaching for his pocket watch. “Well, yes, I guess it is that time already, isn’t it.”

I had asked him once why he carried a pocket watch. He said a wrist watch would get too dirty from the dust and oil and grease and would probably stop working.

“Why are you standing on the stepladder Daddy?”

The four-sixty had been around for almost as long as I could remember. It had been brand new when Dad bought it. He called the four-sixty “the big tractor,” and he called the Super C Farmall “the little tractor.” He used the four-sixty for all of the heavy field work. Plowing and planting in the spring, cutting and baling hay during the summer, harvesting oats in August—right around the time of my birthday or maybe a little later—and for picking corn in the fall.

The four-sixty was the prettiest tractor I had ever seen, with its bright red fenders and the alternating red and white sections above the engine. The rear tires, as black and shiny as licorice, were much taller than me.

Sometimes when Dad went to our other place (a second farm that my parents owned about a mile away), he would let me ride on the four-sixty with him. It was tremendous fun to sit on the red fender, right next to Dad, while the wind blew through my hair and Needles trotted beside us.

Instead of answering my question about why he was on the stepladder, Dad grabbed the green bottle and tossed it in my direction.

I reached out with both hands and caught it up-side-down. When I turned it upright, I saw that the label had the letters T-u-r-t-l-e-W-a-x printed on it.

Turtle Wax?

“You’re waxing the four-sixty?” I said.

Dad pulled another rag out of his back pocket. “Yup.”

Now that I was close to the tractor, I could smell the wax, a bitter odor that reminded me of the way peach pits smelled. Every summer, Mom would buy a couple boxes of peaches to can. Homemade canned peaches tasted much better than the canned peaches from the store.

Several used rags occupied the little shelf on the front of the stepladder where Dad or my brother or sister put paint cans when they were painting. The shelf was knobby with drips of dried paint. Most of the drips were white because all of our farm buildings were white, although light blue drips from the kitchen and pale yellow drips from the living room were mixed in with the white drips.

I looked down at the bottle again. “But I thought this was for cars. And trucks.”

Dad shrugged. “Well, yes, I guess it is.”

“Then why are you using it on the tractor?”

My big brother, Ingman, waxed his car a couple of times a year, and my sister, Loretta, waxed her car as well. But I had never seen Dad wax anything.

“I wanted to get this done before I start the field work,” he said, “to help protect the paint.”

“Protect the paint? From what?”

“The sun,” he explained. “Sun’ s hard on the paint. Fades it.”

I had to admit that the tractor did look nice. The red parts were bright and shiny, like an apple that’s been polished, and the white parts looked as clean as puffy clouds drifting across a blue summer sky.

“The sun would fade the paint?”I asked. “Like the sun faded Mom’s curtains in the living room?”

The curtains had been white with gold and brown patterns that reminded me of leaves drifting to the ground on a warm fall day. Mom said she liked the curtains because they were pretty and were made of heavy cotton and would be easy to wash. Except that after the first summer, the curtains didn’t have gold and brown patterns anymore. They were mostly just white with pale brown streaks.

Mom said the streaks made her curtains look like they were dirty, so the curtains had been replaced with something Mom called “drapes” that were the color of ripe corn. Yellow was my mother’s favorite color. Mom said if the sun faded her new drapes she was going to give up and leave the living room windows bare.

By the smile on Dad’s face, I could tell he clearly remembered the episode with Mom’s curtains.

“Yes, kind of like that,” he replied.

He reached into his back pocket, pulled out another rag and held it up.

It was a piece of Mom’s curtains.

“Mom’s letting you use her curtains to wax the tractor?”

“Well, I don’t know if she knows I’m using them to wax the tractor. They’re not much good for curtains anymore, but they make dandy wiping rags.”

I watched as my father rubbed a few more spots on the engine cowling. A breeze rustled the maple branches arched high above our heads. The maples didn’t have leaves yet, but they were covered with fuzzy red buds that would soon turn into leaves. From the other side of the barnyard fence, one of our cows bellowed. “Mooooooo!” she said.

I turned toward the barn and saw a dozen of the cows standing by the fence, watching us. Most of our cows were black-and-white Holsteins.

Dad looked up and saw the cows too. “I guess they know it’s almost time for their supper, don’t they.”

He climbed off the stepladder and turned to me. “Since they all seem to be expecting it, I suppose I’d better put them in the barn and feed them. And you should probably go in the house and change out of your school clothes.”

“What’s Dad doing?” Mom asked when I walked into the kitchen a few minutes later. She sat by the kitchen table with a cup of coffee and an oatmeal cookie and the newspaper spread out in front of her. We had lots of newspapers at our house. One that came once a week, and one that came every day. Mom was reading the one that came every day.

“How did you know I was talking to Dad?” I asked as I set my books on the table.

“When you didn’t come in the house right away, I poked my head out the door to see where you were,” she replied.

I might have known. My mother hardly ever missed anything that went on around the place.

“Dad just got done waxing the tractor,” I said.

“Dad’s waxing the four-sixty?”

“With Turtle Wax. And he used your curtains.”

Mom frowned. “My curtains? What in the world is he doing using my curtains?”

She paused. “Oh—you mean the curtains I put into the rag bag. I knew he was doing something with the tractor, but I didn’t know he was waxing it.”

The hollow feeling in the pit of my stomach suddenly reminded me I still had not yet eaten a snack. “What’s for supper?”

“Meatballs and gravy and mashed potatoes,” Mom said. “I suppose you’re hungry right now, though, aren’t you.”

“I’m starving.”

She turned to look at the clock. “I don’t think you’re starving in the literal sense, but we won’t eat for at least an hour, so I suppose a couple of cookies would be all right.”

Last weekend Loretta had baked a batch of oatmeal cookies. I reached into the canister on the counter. Usually my sister made ordinary oatmeal cookies, but this time she had added coconut.

After I had finished my cookies, I went upstairs to change my clothes, and then a little while later, Dad came in the house.

“I hear you’ve been doing y our spring cleaning,” Mom said.

“My spring cleaning?” Dad replied. “Well, yes, I suppose you could say that. We paid good money for the big tractor and it doesn’t hurt to keep it looking nice.”

“I also heard you used my curtains.”

“They’re not much good for curtains anymore,” Dad said.

My mother sighed. “No, they’re not.”

Dad grinned. “Especially not since you ripped them up into rags.”

Mom turned and made her way over to the table, grasping the back of one of the kitchen chairs to keep her balance. It wasn’t so much that Mom sat down. She collapsed. The polio hadn’t left her legs with enough strength to allow her to sit down gracefully.

“Roy,” she said to Dad after she had settled into her chair, “since when do you have time to wax the tractor, of all things?”

My father shrugged. “What else am I going to do on a beautiful spring day when I can’t get out in the field yet? Those curtains were just what I needed to do the job. If you don’t mind, I’d like to keep them out in the shed to use for polish rags.”

“Well,” Mom said, “I’m glad my curtains are good for something.”

Although that was the first time I saw Dad waxing the tractor, it certainly wasn’t the last. In the following years on the first nice spring day, he would get the four-sixty out to wax it before he started the field work.

Every year, Mom and Loretta did their spring cleaning, too, washing walls and windows and curtains in the kitchen, the living room, the bathroom and all three bedrooms.

From what I could see, Dad had more fun than Mom and Loretta.

Instead of cleaning the curtains—he used the curtains to do his cleaning.

*********************

About The Author

LeAnn R. Ralph is the author of the books “Give Me a Home Where the Dairy Cows Roam” and “Christmas in Dairyland.” http://ruralroute2.com; bigpines@ruralroute2.com

Can You Handle These Four Common Skin Problems In Dogs?

Filed under: Animal Supplies — admin @ 9:40 am

Dogs are susceptible to various skin problems — which can be frustrating for owners who want to see Fido comfortable and happy. Does your dog have a skin problem, and if so, how do you fix it?

That depends on the symptoms you see. Of course, the most common sign of a possible skin problem in your dog is constant, excessive itching. Other symptoms include fur loss, either localized in a certain location or spread across the dog’s entire body. More severe cases may involve redness in the skin, changes in skin pigmentation or even open sores that your dog constantly licks.

No particular symptom necessarily proves your four-footed friend has a certain type of skin disorder, and you’ll need to investigate other areas before you draw conclusions. While it’s common and helpful for veterinarians to diagnose skin problems, it’s also essential for dog owners like you to familiarize yourself with typical canine skin problems, so you can react quickly and keep his discomfort to a minimum.

Fleas, Lice and Ticks

One of the most common problems in dogs is the presence of fleas, lice and ticks, which are parasites that live on the surface of the skin and feed on the dog’s blood. These parasites’ saliva causes skin irritation and results in intense scratching.

Lice and ticks can be detected visually when you check your dog’s fur, while fleas are hard to spot with the naked eye. However, fleas cause red pimple marks on the skin and also can be spotted through the black, gritty trail of “dirt” they leave on a dog’s belly.

While you can remove ticks and lice with tweezers — applying alcohol to relax the tick’s grip before doing so — you can also adopt more general methods. For instance, you can give your dog a dip with special tick shampoo to eliminate ticks. Flea sprays or flea powder can also be applied to the dog to kill parasites. But all these require persistence and it may be a while before you see results.

One of the best methods to keep your dog comfortable is to prevent ticks from living off your dog in the first place through the use of a spot-on product, such as FrontLine or BioSpot. To apply these chemicals, you drip a small amount onto the back of your dog’s neck once a month. The chemical spreads throughout the dog’s skin and kills parasites — including the eggs and larvae. When regularly treated, your dog becomes an unattractive host.

Mange

Mange is a skin problem caused by mites that burrow underneath the dog’s skin, causing intense and even agonizing itching. Bald spots or inflamed red skin are common symptoms of mange. Two types of mange exist in dogs: sarcoptic mange and demodectic mange, depending on the kind of mite involved.

Most dogs carry the mites involved in demodectic mange or demodex. However, these mites usually do not cause itching except when they suddenly multiply into huge numbers. This may happen in young puppies, or in dogs with decreased natural body defenses, sometimes from stress.

On the other hand, Sacroptic mange or scabies causes intense itching in the dog as the mites burrow under the skin and even lay their eggs there. This causes large red spots on the dog’s skin, and sometimes fur loss on the ears and elbows. Scabies can infect humans as well and cause itchiness, although infection in humans usually disappears by itself after a while. However, it is still important for people to seek treatment if they get infected.

Treatment for mange requires patience and time, as eliminating them or lowering the mite population takes a while to take effect. The best way to kill the mites is to soak your dog in a lime and sulfur medicated dip for 10 to 15 minutes a few times in a week. The dip should not be washed off, but left to dry on your dog’s skin and fur. During this time, it’s best to watch your dog closely and prevent him from licking himself dry. As a further precaution, you can feed him a raw egg to line his stomach before dipping him in the solution. This way, even if he does lick himself, the solution won’t be absorbed on an empty stomach.

When fighting mange, it’s also important to support your dog with the highest quality diet you can find, to improve his immune system. Healing from mange will take a lot of his internal resources. You might consider looking into the raw diet for dogs and avoiding any corn or rice-based products for the time being.

About the Author: Blake Kritzberg is proprietor of Poodle-oo: Fashion for Toy Dogs. Stop by for toy dog couture and home decor, free toy dog postcards and the Toy Dog Blog.
http://www.poodle-oo.com/

Source: www.isnare.com

October 29, 2007

Health Insurance Plans: What You Buy When You Buy Health Insurance

Filed under: Insurance Hall — admin @ 10:38 pm

What do PPOs, HMOs, and POS plans have in common? They are all forms of managed health plans, and you need to be familiar with them when you shop for health insurance. PPO means preferred provider organization; HMO means health maintanence organization, and POS means point of service.

In general, managed care plans provide their members with health care from within a network of providers. In other words, members can only go to certain doctors and hospitals that belong to or agree to participate with a particular network. Managed care plans also take care of claims processing that result from a medical service.

A health maintenance organization generally provides the least expensive medical care. HMOs offer medical services in exchange for a fixed monthly premium. However, HMO clients have no freedom to choose their own doctors and hospitals and can only use providers in the HMO network. Doctors belonging to a particular HMO normally refer patients to other HMO doctor members, and a referral from an HMO primary care doctor is needed in order to see a specialist.

A preferred provider organization, or PPO, allows its members greater lattitude in choosing which doctors they can see. Physicians within a PPO make referrals, but the members can refer themselves to doctors and specialists including those outside of the plan. However,though members have the freedom to go outside of the PPO and will still receive coverage, they will pay more for seeing providers out side of the PPO network.

In a point of service plan (POS), Primary care doctors refer members to other doctors, usually within the plan, but members can refer themselves outside of the plan, though they will pay more. If POS doctors refer a patient outside of the plan, the POS usually pays most of the fee. Participants in these plans choose their own doctors and hospitals, and can refer themselves to whatever doctor or specialist they choose.

It is also important to understand fee-for-service, or FFS, plans. These are not really managed care plans in the sense that there is a pre-existing network of providers in place. Fee For Service plans are often much more expensive in comparison to HMOs and PPOs. However, FFS plans allow participants greater lattitude in who they can see. FFS beneficiaries can choose what doctors, and specialists they prefer to see and what hospitals they can go to. In an FFS, what determines what provider members use is whether or not the provider accepts the insurance. Normally, FFS plans require much more in out-of-pocket expenses and require members to pay in full up front and then file for reimbursement.

The plan you ultimately choose will depend on personal needs, whether or not you are single, married, married with children, whether or not the insurance is available in your geographical area, and of course, the amount of income available for health insurance. One very important point to remember is that health insurance, as all insurance, is protection. The better you understand the kind of protection you need, the better your choice will suit your needs.

Evan C. Davis works in Medicare customer service and is the owner and webmaster of Instant Health Insurance. Find cheap health insurance quotes online and low cost health insurance at http://www.find-health-insurance-online.com

The Amazing Soybean & All Of Its Products

Filed under: Online Nutrition Resources — admin @ 10:19 pm

Soybean is a plant that is found annually in climates with hot summers and is used primarily for vegetable oil and animal feed. It’s natural origin is believed to be China, but soybeans are now grown worldwide by soybean farmers and researchers. Through the years, many new uses have been discovered, including handmade soap, hair care products, candles, cleaning products and even furniture. Just as soybeans are plentiful, so are it’s uses. Researchers continue to strive to find new ways to incorporate soybeans into everyday products. The most recent uses discovered include adhesives, ink, plastics, etc.

Soybean products, including their use in handmade soap, are gaining in popularity worldwide. Researchers believe that the rise in popularity is due to the many benefits believed to originate from soy. In fact, soybeans and soy foods are believed to be healthy because they are high in protein. In addition, researchers have found that food containing soy protein may reduce the likelihood of developing heart disease, cancer, diabetes, etc.

While perhaps every benefit of soybeans may remain unknown to this day, enough promising traits are being recognized to substantiate the addition of soybeans into many products. Handmade soap is among the products that now feature soybeans. Individuals with sensitive skin would especially benefit from the presence of soy in their handmade soap. Soybeans are non-allergenic and may replace other ingredients that could cause problematic occurrences in some soaps. If you have ever used a soap that is too harsh and leaves your skin feeling dry and itchy or uncomfortable, you may be having a slight reaction. Handmade soap featuring soy, however, will eliminate that problem. Leaving the skin feeling soft, smelling fresh and appearing silky are among the many benefits of handmade soap.

Soybeans are grown on farms and in various controlled environments before being sold to manufacturers or exported throughout the world. The next time you visit the store, take a look at the ingredients on the back of vegetable oil, shampoo or cleaning products and see if you don’t notice soy being an ingredient on at least one of these products. Look especially for products that are natural or feature natural ingredients. And, the next time you are at a craft fair or happen to find someone who offers handmade soap, ask if they offer soybean soap and inquire about the benefits. The same is true if you enjoy browsing the internet and shopping with the talented handmade soap creators. You may be surprised at just how many products you will find.

The article on soybeans and handmade soap is intended to be used for informational purposes only. It should not be used as, or in place of, professional medical advice. Before beginning a diet program or attempting to ward off certain illnesses, a licensed medical doctor should be consulted in order to determine the best plan of action for your personal needs.

Jeffrey Dorrian is the soap guy. Really, that is his website http://www.thesoapguy.com He has been making premium olive oil soap for the past five years.

“Handmade soap is a true inexpensive luxury anyone can enjoy.”

handmade soap

Gratefulness

Filed under: Life Of Self Improvement — admin @ 9:39 pm

Gratefulness brings a great fullness to life. The choice to adopt and hold a moment-by-moment attitude of gratitude is the choice that differentiates those who suffer the slings and arrows of misfortune and those who are blessed with a joyous and abundant life.

Yes, that is correct. It is not the actual events and circumstances that occur during one’s journey through life that determine whether or not a person is happy and prosperous; it is the conscious and willful choice to be grateful for all the bounty that life has to offer AND to be grateful for the opportunity to participate in and contribute to the experience of life, which enables and empowers any individual, regardless of circumstance, to have a fulfilling life.

Like everything else on the path to mastery, gratitude is a choice. You can choose to wait for some meaningfully pleasant situation to arise and then feel gratitude in response, or you can choose to be grateful at all times, in all circumstances, and watch as the world conspires to assist you in your path.

If you are grateful for what you already have, the world will conspire to give you more to be grateful for. If you are resentful of what you already have, the world will conspire to give you more to resent.

Moreover, the true master learns to be grateful, in advance, for the things that are idealized and desired. Why? Because, being grateful in advance for some attainment or accomplishment does two very important things: one…it tricks your subconscious into believing that the goal is certain and two…it convinces other people, with whom you must interact to achieve your desires, that you know what you are about, that you are a winner, not a whiner.

When your subconscious is convinced that the goal is certain, it will provide the ways and means of fulfilling or achieving that goal. Since your subconscious is connected to the great collective subconscious of humanity, it also informs this ‘morphic field’ of your profound intent and the result is that the people, resources and conditions for fulfillment show up in your life. All because you chose to be grateful…in advance of the havingness. The act of being grateful in advance is proof of your faith and belief in the actuality, eventuality and realness of the manifestation of your desired ideal.

When other people are convinced that you are convinced of the realness of your goals, they will rally around you and provide both physical and metaphysical support for you and your goals.

The benefits of physical support (the investment of time, effort and money) to support you and your goals are obvious. What may not be obvious, to those unfamiliar with the laws of the universe, is that the metaphysical support is even more crucial. The added belief of others in you and your goals brings an ‘aura’ of success about you that creates, in turn, even more support for you.

The knowledge that all things, existent and potential, are, at their pure essence, a myriad of interlocking and interwoven vibrations of pure energy and that the emanations of your consciousness (and the emanations of the other individual consciousnesses of the people who associate with you) interfere with and interact with preexisting vibrations to create new patterns that result in the manifestation of actualities is what denotes wisdom and mastery.

All this, and more, happens when you choose to hold and to express gratefulness for what you have and what you claim or expect to have as you journey through life.

Begin each day with an expression of your gratitude for all the blessings that life has bestowed upon you and your day will be filled with even more and greater blessings.

The choice is yours. Every breath you breathe can be an expression of gratitude. Existing in a state of gratefulness is very alike existing in a state of grace.

Being grateful denotes your knowledge of, and application of, one of the most important aspects of creation…who you are and how you are produces what you have. And, of course, makes what you have all that much more en-JOY-able.

EzineArticles Expert Author Leslie Fieger

© Leslie Fieger. All rights reserved worldwide.

Leslie is the author of The DELFIN Knowledge System Trilogy: The Initiation, The Journey and The Quest plus many more success publications. He also the co-author of The End of the World with Hugh Jeffries and Alexandra’s DragonFire with his daughter Ashley. Subscribe to his free and ad-free eZine at http://www.ProsperityParadigm.com or http://www.LeslieFieger.com.

Reprinting and republishing of this article is granted only with the above credit included. Permission to reprint or republish does not waive any copyright.

Root Canal Disinfectants - Antibiotics Prove Inadequate to Eradicate Bacteria

Filed under: Meds + Medicine — admin @ 11:57 am

The bacteria dentists use to determine
Whether treatment of a root canal infection has
been successful, namely the absence of discomfort
and pain; x-ray evidence that abscessed areas,
granulomas and cysts have completely filled in with
new bone; and trust that the medicaments used in
producing these results completely eradicated
bacteria, all proved inadequate when such teeth
were subjected to further testing by Dr. Price
and his group.

Testing for the presence of bacteria in root
canal, after the use of disinfectants which
appeared to have controlled the infections,
proved that the organisms had not been eradicated.

Dr. Price, in making cultures after the use of over
100 different medicaments, including different
strengths of each, found only eight which had
negative responses after 24 hours, and only two
after 48 hours of incubation; longer periods were
found to be ineffective as medicaments lost their
disinfecting power.

The two most efficient medicaments proved to be
objectionable - silver nitrate because it turned
teeth black and formalin because it was very
irritating and painful to patients and destructive
to surrounding tissues.

Though culturing to determine whether bacteria had
been killed was formerly taught and practiced, I
know of no dentists using such a testing procedure
today.

Dr. Price in another series of tests took extracted
infected teeth and treated them (much easier to do
aseptically outside of the mouth) and found when
these teeth were sectioned their dentin and
cementum were still infected.

In still another investigation, Dr. Price made
biopsy sections at and below the gum line and
found bacteria present not only in the root of the
teeth and their protective cementum but also in the
first millimeter or two of adjacent bone. The
importance of this factor in causing cavitations in
bone after extractions will be discussed in a later
chapter.

Dr. Price noted future developments might bring
forth medicaments which are more successful. You
will all be thinking that antibiotics are
certainly the answer. However, antibiotics have
not proven able to effectively penetrate the dentin
tubules, cementum and adjacent bone sufficiently to
eradicate these bacteria.

Testing of new medicaments, and current efforts
such as new laser treatment methods, are of course
necessary and were anticipated by Dr. Price.

All of these root canal side-effect problems should
not deter the profession from continuing to explore
new methods of how to save teeth. While we cannot
learn how to save teeth by extracting them,
Dr. Price fortunately has shown us ways to test
procedures to prove whether infection has been
eradicated in teeth we think we have saved.

About author:
Dr. George Meinig,D.D.S.,F.A.C.D. is a Founder of the Association of Root Canal Specialists Discovers Evidence That Root Canals
Damage Your Health Learn What to Do. Learn how Dr. George Meinig discovered that a meticulous 25 year research program, conducted by Weston A. Price, DDS, under the auspices of the American Dental Association’s Research Institute, was buried by
disbelievers of the focal infection theory.
Along the way, Dr. Meinig has received many recognition citatons and awards, both Nationally and internationally.
For further information:
Visit:http://www.1stultimategumsolution.com

Edited and prepared by Sung Lee, alternate author.
This article can be reprinted freely online as long as the entire
article with resource box are included.

Developing Your Export Import Business Using Internet - Part I

Filed under: Marketing Management — admin @ 11:52 am

Since most of the businesses throughout the world have access
to the Internet, many astute entrepreneurs and trading companies
are using the Internet as one of the primary means for
developing their import and export businesses.

Already a big slice of global trades are taking place through
the Internet. According to Forrester Research, a major
marketing research company, worldwide online exports will
escalate to US $1.4 trillion in 2004, and cross-border
e-marketplace trade will exceed US $400 billion in this year
alone.

However, cross-border trading will create a division between
the companies that actively import and export using the
Internet and those that don’t. Companies that are slow in
adopting the Internet will loose competitive edge to the more
proactive Internet-savvy counter parts.

If you are already involved in international trade or planning
to either import or export products, Internet could be your
primary source of gathering data, researching prospective
market, finding clients and, may be even, for doing your entire
business online.

First, let’s look into the export side of the international
trade. Like any other business, exporting requires proper
planning. Well-documented and clearly written export
marketing plan will work as your road map to success.
The following steps are essential for any export endeavor.
Identifying products for export

Although, in any given time you may find numerous products
that qualify as exportable one, your chance for success will
increase substantially if your chosen product met the
following criteria:

- You have been handling this product for local market for
several years

- You have full confidence in the quality of the product

- The value of the product matches or exceeds the imported
similar ones

- You have guaranteed availability of this product for export

If you don’t have a product to export yet, and you are
serious about export oriented business, consider checking
out your local trade shows to seek out an exportable product.

Local online marketplaces are good options for finding products
for export as well.

Identifying potential export markets for your products

To identify an export market you have to spend sometimes on
gathering necessary information.

You will need export statistics of your country to see which
markets are presently buying products similar to yours. This
will give an idea which markets are viable for you to target.
Apart from checking the statistics from you own country, you
also should verify export statistics from several other
countries that manufacture and export similar products.

After analyzing this information, choose couple of markets
for further assessment. This time you will need more in depth
information on these markets.
Doing market research

Market research is imperative in order to identify export
potential of a product in a targeted country. There are two
ways you can research your targeted market.

By getting first-hand information from the targeted market

This can be done by hiring a research company from the
targeted market, participating in trade shows, contacting
prospective customers, visiting the market personally, etc.
Although, this method has a great advantage since you can
get exact information tailored to your need. However, this
might be very expensive and time consuming for most of the
first time exporters.

Getting information from the Internet and other sources
Thanks to the Internet you can get almost all the needed
information from various online sources. This includes:
trade data statistics, country profile, demography and
other market related data, list of prospective customers,
etc.

To take an informative decision while selecting a market
you will need answers to the following questions:

- How big is the demand for your product or similar products
in the targeted market?

- What is the ratio between domestic production and import?

- Who are the main competitors in this market?

- What is the growth potential of the market?

- How strong are they in comparison to you?

- What is the import duty structure for your product?

- Is there any incentive available to you from your country
for exporting this product?

Answers to these questions will give you enough facts to
compare the markets you have chosen for assessment. While
taking final decision on export market, don’t forget to
study the business and social cultures of the specific
country. This could be an important issue in selecting the
right market for you.

Selling your products

Once you targeted the market you would like to pursue, you
next step is to start selling your products to that market.

There are several marketing options available for you to
choose from:

Hire an export trading house from your country
The advantage, if you find right export trading house, is
the experience and knowledge the company may have. The
draw back is they might not be interested in your products,
and if they do, you have to pay a major share from your
sales to them as their commission.

Find a distributor in the targeted market to sell your
products

This is, no doubt, a very good option. However, finding
a good distributor for a product which does not have a
proven track record of sale in the market won’t be that
easy.

Sell products to customers from targeted market directly

Initially, you might have to stick to this option only.
B2B exchanges and emarketplaces from the targeted market
can be a good place to start your venture.

Here are the steps you need to take if you would like to
sell your products through E-marketplaces.

1. Seek out the largest emarketplace for the country of
your choice.You should consider both vertical and
horizontal marketplaces.

2. Register with them.

3. Create a Web Site, if you don’t have yet, in the local
language.

4. Add your products to the e-catalog of the emarketplaces.

5. Post your products for sale to the marketplace.

6. Post frequent sell trade leads.

7. Search for companies interested to by products similar
to yours and contact them.

International trade business, same like any other business
requires months, sometimes even several years, to bring
anticipated profit. Aggressive use of the Internet will help
you achieve your goal with lesser investment and faster
result.

Nowshade Kabir is the founder, primary developer and present
CEO of Rusbiz.com – a Global B2B Exchange with solutions to
create e-catalog, Web store, business process management and
other features to run a business online. You can read various
articles written by Nowshade Kabir at http://ezine.rusbiz.com.

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