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Nobody likes to talk or even think about death, but the truth is that while life is uncertain, death is always certain. Everyone will pass from this world to the next at some point. The best course of action is to be prepared for it, so that it doesn’t affect your loved ones in a negative way. One of the best things you can do for both you and your beloved family, especially your kids, is to protect and provide for everyone both now and in the future with the help of a life insurance policy.
Getting life insurance is probably one of the easiest and best gifts you can give your family. There are two types available. Whole Life and Term Life insurance. We’re focusing mostly on whole life here, along with it’s benefits. Your policy will outlive you, thereby serving to keep your memory alive while providing for your family’s needs into the future. They will still miss you when you are gone, but at least they won’t be left without any income, or even worse with huge debts that banks or other lending agencies will try to collect from them. Below are a few reasons insurance broker Randy Roberts recommends you have life insurance in place.
1. If you are still employed and working to support your family, with life insurance if you pass away, they won’t be left without any source of income. It is especially important if there are a lot of people relying on your income such as your children or spouse. For example if your spouse stays at home to take care of your children, life insurance is critical. A life insurance policy is an absolute must of those who are the only breadwinners in the family, as without them the family would most likely be in serious financial trouble.
2. A proper life insurance policy can save a business if its key employee dies. Whether good or bad, many small businesses rely on one person or a few key people who run their day to day business operations. If something were to happen to one of these key people, the situation would create a lot of stress and uncertainty, especially to the businesses finances and day to day management. This can be helped or even avoided by having the resources from a life policy in place to mitigate these hard circumstances and implement the needed transition in the business.
3. Life insurance can also be used to make you richer when you retire. Even if you don’t work anymore, you can borrow against your life insurance policy in case you are in financial trouble. Many wealthy people use life insurance as a vehicle to borrow against for investments or necessary expenses and to earn tax free income during retirement. It is an extremely flexible offering that can bring multiple benefits.
4. You don’t want to trouble your family with pricey funeral costs. They’re already going to have a hard time dealing with your death. Their loss could be emotionally crippling for a time, so leaving them some needed extra money for ever rising funeral-related costs is going to make things a lot easier for them.
So after reading about all of these benefits, you’re probably starting to see the many possible benefits of proper life insurance. Getting the right policy, whether whole life or term life, for your family’s needs can be as simple as talking to the right person to guide you in choosing life insurance. As with health insurance, getting the best option at an affordable rate requires a knowledgeable professional such as the reps at the Randy Roberts Insurance Agency to guide you in setting the variables correctly in your equation. Once these suit your needs in a way you’re comfortable with, the policy will be written and will grow a nest egg over time for you and your family.
You’ll get the most benefits over time when the research and setup of a life insurance policy is done in this manner by the friendly professionals at Randy Roberts Insurance Agency. They serve the Lehigh Valley, Poconos, and Philadelphia metro area with life and most other insurance types you and your loved ones may need.
Smoking is a dangerous lifestyle because it exposes users to serious medical conditions, like coronary heart disease, cancer, and even death. People have been researching safer and better alternatives to smoking regular cigarettes. When electronic cigarettes were introduced, many people switched to vaping because e-cig companies advertised that they were less harmful compared to regular cigarettes. It is important to note that most of these electronic cigarettes contain nicotine and therefore are not completely harmless, as advertised. However, there are some options that are nicotine-free and are less toxic. Apart from vaping, there are other safer alternatives to regular smoking, such as menthol cigarettes, herbal cigarettes, clove cigarettes (kreteks), cigars and little cigars, hookahs (water pipes), and bidis (flavored cigarettes). This article highlights several advantages of vaping compared to regular smoking.
Helps to quit smoking
Research shows that many smokers are unaware of the health risks that come with smoking. Those who do know these risks try to quit before they are completely addicted. Switching to vaping from regular cigarettes has proven to help smokers quit. Electronic cigarettes have less chemicals because you inhale vapor as compared to tobacco smoke. This fact helps those who want to fight the addiction to be able to do so gradually.
Reduces the risk of cancer
Smoking cigarettes has been established as the major cause of lung cancer. The tobacco found in regular cigarettes produces tar and carcinogens, which cause cancer. Inhaling these substances immediately causes changes in the lung tissues. At first, the body is able to fight them off, but the immunity to these factors eventually goes down. Using e-cigarettes reduces the risk of cancer because they do not use tobacco; hence, the harmful substances are not emitted to the lungs. There are also nicotine-free vaping juices that work well for those who don’t want to be exposed to nicotine, which is addictive.
Electronic cigarettes are friendly to the environment because they are not regularly disposed off. Most regular smokers throw away cigarette butts wherever they are seated. This degrades the environment, and people are advised against such actions. The e-cig toolkit contains a mouthpiece, heating element, rechargeable battery, sensor, and e-juice. After use, the components are cleaned and stored properly. There are also disposable e-cigars that can be purchased at ePuffer.
Regular cigarettes contain tobacco, which gives off an unpleasant smell. Smokers can be distinguished from non-smokers because of this pungent odor. With the introduction of vaping, vapers are able to enjoy all types of assorted flavors. These flavors include but are not limited to mint, fruit flavors, and candy. Flavors also make smoking for non-smokers bearable because instead of the awful smell of tobacco, they are able to smell sweet flavors.
Less risk of fire
As mentioned earlier, regular cigarettes are carelessly thrown away, and sometimes they are not completely put out. These leftover pieces can start a fire and thus cause serious damage to people and property. While electronic cigarettes are not completely harmless, they pose less of a risk for fire as compared to their cigarette counterparts.
Although more research needs to be carried out, electronic cigarettes are perceived as a safer alternative to regular smoking. People who do not smoke, however, should not start vaping just because it is viewed as safer. Regular smokers are advised to switch to nicotine-free vaping to help them eventually quit.
With 2019 in full swing, many of us have a lot of New Year’s resolutions. One of them might be to become healthier. The thing is that many people associate being healthy with a healthy diet and a gym membership, but in truth there is more to it than just that. Here are some ideas that can help you to become healthier even if you eat healthy and go to gym regularly:
1. Travel somewhere from time to time. Traveling broadens your horizons and is very good for you, especially for your adrenal glands. As Dr. Eric Berg says in his videos, you need to give yourself some space. So do it, even if it means traveling for one day if you cannot afford to take longer holidays. Even one day can already make a huge difference in terms of your well being.
2. De-clutter your home. Many people find it liberating to get rid of some of the belongings, or at least being able to store them in a place such as storage units san antonio. Even if you don’t feel like giving everything away, the least you can do is to place the items you don’t need in a storage unit so that you can easily come back to them latter when you need them.
3. Visit somebody you haven’t seen in a while and somebody who might not be expecting you. Maybe an old auntie you haven’t seen in years who has nobody to talk to and lives in a nursing home? A lot of people tend to feel lonely these days, so surprising them with a visit might be a very good thing to do you will not regret. Not only will it make them feel better, but it will make you happy as well, because making others happy has a positive effect on your health.
4. Cook a healthy recipe in your home so that you don’t have to go to a restaurant. This is just another way to become healthier this year.
Having lived with the good doctor Ryan Shephard for a number of years now I feel as though I know as much about emergency services as he does, well perhaps not quite as much. What I do know about however is that a shift in ER is intense and filled with arrested patients, blood and gore, cuts and grazes, worried family members, tears, tantrums and catastrophes. What I also know is that the men and women who work there each and every day deserve medals. I was chatting with Ryan last month about how he and the others find ways to relax and so he did a little bit of covert digging for me and here is what he found out.
Many of his colleagues told him that the most relaxing thing that they could do was to cook a recipe on their day off. This seems very strange given that cooking is potentially one of the most stressful things that I do, but each to their own of course. The men and women who spoke about their love for cooking said that they would usually pick a complicated dish to complete which requires a lot of their time and energy in order to make it just right.
An overwhelming number of the staff at the ER where Ryan works told him that they love nothing more than finishing a shift and then going to the gym to box holes in the punchbag. I can imagine that over the course of a shift there must be an awful lot of pent up aggression so to go and destroy a punchbag afterwards does appear to something that is completely normal.
I knew that Ryan relied quite heavily on meditation to make sure that he was in a good headspace for his upcoming shift and to be honest I always assumed that the majority of hospital workers would be exactly the same. Somewhat surprisingly there were a very low number of staff who said that meditation helped them to unwind. There were still some who said that meditation helped them however and that some even took advantage of the odd quiet moment in the hospital during their shift to take some much needed quiet time.
The number of staff at the hospital who play musical instruments is incredible and I had no idea that medicine and music were so aligned. The majority of those who can play a musical instrument said that this was the way in which they chilled out at the end of a busy day. I guess if you consider things like dexterity and the fact that to play a musical instrument you need to be good with your hands, much like working in medicine. One of the doctors even charges some of the residents for lessons!
Do you know any medical staff, how do they like to unwind at the end of a long and stressful day? Let us know in the comments.
I moved to Arizona this time last year and on my first day we met our closest neighbors and his beautiful family. Over the last year I have grown quite close to Roger and it is fascinating to see what doctors are like away from the hospital. Dr. Olade specializes in internal medicine her in Arizona, although he can turn his hand to quite a number of medical branches, he even helped me to take action against my back when I was in terrible pain with a muscle injury. Not many of us have the chance to see the real person behind the medial gown, so I thought that I’d offer an insight based on my experience.
We all think about doctors as being almost robotic in the way that they treat patients, viewing them in the same way that an electrician would view a fuse box, with absolute pragmatism and zero emotion. This however is not the case and what many doctors do is to push the emotions to one side whilst they carry out their duty. The problem with this is that those emotions must be dealt with at some time or another and I have had lengthy chats with Roger about this and how he often struggles with the emotional pressure that he is under.
I innocently thought that when doctors had completed medical school that their studies were over, but this is simply not the case. In fact I cannot tell you how many times I have seen Roger in his study in the wee small hours, and when I have asked him why he still studies, he tells me that he has to. The reason for this is that there are always new and exciting treatments in how we deal with diseases and disorders and doctors must stay on top of this new information in order to help their patients as much as possible.
We all know that doctors must work very long hours but what many of us don’t see is the impact that these long hours have on our medical professionals. I have spoken to Roger on a number of occasions where he has barely even known what day of the week that it is. Of course he is always rearing to go when he is at work and fatigue rarely affects him then, but when he comes home after work I see the other side of him, the side that is tried beyond belief. Worse still, Roger will often talk to me about how during these bouts of extreme fatigue, he often struggles to actually get to sleep because his brain is so wired because of what has gone on at the hospital.
Doctors are very well respected and they certainly should be, especially when you realize what goes on once they have clocked out and go home, truly remarkable human beings.
If you are looking to fix your smile and re-arrange crooked teeth then you will have a couple of options in front of you. Speaking to your dentist about this subject will see them offer you one of three options in most cases which are veneers, Invisalign or something similar or alternatively dental braces. It is the latter option which we are going to focus on today, metal braces. To give us some more insight on this I spoke with super dentist Kami Hoss, who has offered this treatment to thousands throughout his career, in order to find out what the pros and cons are of this kind of treatment.
Lets’ get started with the positives about this kind of treatment in terms of giving you the smile that you have always wanted.
It Works – The best thing that anyone can say about dental braces is that they actually work and they have helped hundreds of thousands of people over the years to get the smile that they wanted and to rearrange their teeth.
Cheaper – When we compare the three options that you will be offered in terms of sorting out your teeth, dental braces are far and away the cheapest of the three options.
All Ages – The notion that only children’s teeth can be affected by braces is wrong and they can be used on patients of all ages and still have a great effect on adults. Use on children will brig about much faster results but that is not to say that it cannot work on adults because it certainly does.
This is a fantastic treatment which can help you out but there are some aspects of the treatment which not everybody loves, let’s take a look.
Unsightly – From an aesthetics point of view there are many who do not like the idea of having these metal braces adorning their teeth and it can put a lot of people off this kind of treatment.
Painful – Dental braces can cause you some pain especially when the teeth begin to slowly move into new positions. The pain is never intense but more of a slow ache which many people complain about. Furthermore you may ave some pain with the ends of the wire, which can occasionally catch the inside of the mouth, and sometimes it will even cut it.
Slow – In comparison to the other options that you have in front of you the dental braces option is certainly the slowest. For many people who want an instant fix this is an option which is unlikely to be for you as it does require some patience. Over the course of your treatment the dentist will seek to move the brackets in order to move your teeth into better places, and this is why the process can be lengthy.
And there you have it, the pros and cons of using dental braces, would you use them?
To be able to enjoy the great things in life we need to be healthy. The healthier we feel both physically and emotionally the better the chance we have a great outlook on life.
Since our good health applies to both our physical and emotional, we need to do things that improve the health of each. Here are a list of things that might seem common, but that the average person often neglects or forgets regarding its power to keep us healthy. These tips are offered as a reminder by medical experts like Ian Weisberg and are things that each of us can do to improve our good health and lead a fuller life.
Go on Vacation
More and more, people are skipping vacations because they feel that the only distract and take time away from work. Only a few decades ago the opposite feelings were prominent. People thought that vacations were a necessity because they took us away from the rigors of work and allowed us to reset our brains, and our bodies.
This approach to vacation was a proper one. Vacation plays an important role for each of us. It allows us to bond with our families, to have fun and interesting times, and two explore new cultures and people. Passing up a vacation in order to continue working can have negative health effects on you.
The body needs to get away from stressful situations and the vacation is the ideal situation for that to occur. When your vacation time is coming around, don’t pass on it, instead plan a fun-filled several weeks away at a location where you can think about nothing but having fun and enjoying your life.
Don’t Take Things Too Seriously
These days it seems as if everything is Vital. If you watch the news, sports, current events, and just about anything else, you would think that we are at the end of times and nothing can save us. The reality is that the new cycle has lengthened to 24 hours and we are constantly bombarded with stories of doom and gloom.
You might not have noticed that in spite of all of the talk about World War 3, and other doomsday scenarios, they never seemed to happen. Instead of the news outlets just continue to report and we continue to watch. And that’s we watch you become more stressed out about our futures. The solution is simple, turn away from the constant news and don’t take things so seriously. The past is shown that things have a way of working themselves out for the best.
Start a Family
One of the most important elements of a good healthy life is having a family and those around you love who can share this life with you. This of course starts with a spouse who is dedicated and compliments your strengths and weaknesses.
Connecting with another person in this type of bond enriches your life and get you to be more happy and calm. When you have children, you add to your happiness create little reasons for you to become a better person. Children push you, challenge you, make you angry oh, and also make you understand what life is all about. As they grow, you grow along with them and knowledge and experience and life comes full circle.
Last year I decide to start off a new healthy living routine which I was in desperate need of after spending quite a few months not exactly looking after my body. I consulted the help of my good friend Girish Kumar Navani, some who I have known for a very long time and someone who is an expert in health and in weight loss. The tips which Guirish Kumar Navani shared with me were incredibly helpful and they aided me in achieving my weight loss goals. If we are all being honest with ourselves then we would confess that we all know how to lose weight, we just need some handy tips to help us out, and here is what Girish has to say.
Sunday is a very important day when it comes to editing because this is the day that you should go and do your shopping and then prepare for the week ahead. Preparation is always key when you are trying to lose weight because if you haven’t properly prepared, you end up eating convenience food when you are hungry, which is usually unhealthy. And so a Sunday should involve a good breakfast ahead of your supermarket trip -shopping on an empty stomach is a bad idea. Once you have been to the supermarket you should spend your afternoon cooking for the week and preparing veg and salad for the week. The time that you spend on Sunday will help you throughout the week.
Snacking has a reputation as a negative activity but as Girish often tells me this is a myth and snacking is actually widely encouraged. The key is of course what you snack on and that is why you should always have a ready supply of nuts, fruit and prepared salad such as cucumber and carrot sticks. Healthy snacking can be a great way for you to stave off hunger until it is time to eat and it will help you with your weight loss goals.
Getting a solid 8 hours of sleep each night is essential when you are trying to lose weight and it is during these hours that your body works hard on digesting and using food, as well as repairing cells, all of which are vital in weight loss. If you aren’t sleeping well then this will impact your weight loss.
Not all aspects of a healthy lifestyle are difficult and one of the easy fixes which you need to be focussed on is drinking water. Drinking water not only helps you body to burn off foods quicker, it can also help you to be less hungry. In many cases where we think we are hungry we are in fact thirsty and so drinking a good amount of water each day can reduce how hungry we feel. The recommended amount is 2-3 liters for women and 3-4 liters for men.
supporter and an absolute great within the medical field is an inspiration of mine and part of the reason why I wanted to study medicine in the first place. There are few surgical oncologists quite like Dr. Kang and even fewer with the highly ethical code of conduct nor the results that this man has achieved in his career. I was fortunate enough to meet John Kang at a medical conference at the end of last year where we were able to get our teeth stuck into a conversation about tech in medicine. I couldn’t believe that I was meeting him of course, John Kang WebMD contributor, industry giant and the inspiration sat right there in front of me. I calmed my nerves and here is what he had to say about tech in medicine.
For too many years we have laid a large focus on treatments of diseases and we have used technology in a great many ways to alleviate and cure a wide range of ailments and disease. Thanks to this we have developed better chemotherapy, more effective tumor removal and of course the use of lasers which can now treat a huge range of problems. The issue however is that we have been focusing too heavily on this area when in fact we should’ve been working harder on diagnosis-related tech. This is not to say that we haven’t been spending time and money on this, but the split should be weighted more towards diagnosis than treatment, as the former negates the need for the latter.
Better tech doesn’t just allow us to give better direct treatment to patients and investment in better tech can actually help to solve secondary issues which result in poorer care. Take for example waiting times, something which restricts patients from being seen quicker. The cause of this is ultimately that there are too many people going to hospital for health complaints which don’t require hospital attention. Tech here can step up and we can use virtual doctors to help these patients before they leave home, thus relieving the stress on the ER and the hospital in general. Further investment into better tech solutions like this can aid us in fixing a huge range of problems when it comes to the logistics of a hospital.
The greatest risk that we will run in the world of medicine is when we think that an adequate treatment is acceptable simply because it cures. Take chemotherapy for example, it works very well in treating cancer but it is essentially toxic and can damage many other parts of the body. Through further investment of time and energy into tech we will be able to not only cure problems, but do so in a way that is final and which doesn’t have secondary or tertiary effects on the patients.
Tech is very much the future.
As a young woman from Waukesha, Wisconsin who wanted to go into a career in medicine, provided me with the perfect inspiration and role model. Victoria J Mondloch is a local girl from here in Waukesha and she, like me, had a huge passion for women’s medicine. Throughout her career Victoria Mondloch has sought to develop and raise awareness about women’s medicine and in my view she has been greatly successful in doing so. I wanted to talk a little today about how she has inspired me and what her work means for the future of women’s health both here in Waukesha and throughout the country.
Within her role as a doctor Victoria specializes in gynecology and obstetrics and over the years she has used her outstanding skill and professionalism to help thousands of women with health complaints. Beyond this she has always been ambitious and throughout her career she has taken on roles of responsibility within the hospital and is currently a remember of the board of the hospital. In the role which she occupies on the board of directors she is able to further bring about change in the betterment of women’s health within the hospital, and she has used this position to positively change many things within female medicine.
Beyond teaching those young students who she works with in the hospital, Victoria has also branched out much further than that and often spends time in lecture halls of the universities around the Wisconsin area, giving lectures to young students about the importance that women’s health should have in the medical world. I sadly missed the speech which she gave at my university but the feedback which my fellow students gave me was glowing.
Here in Waukesha, Wisconsin we have a number of community-backed campaigns which operate throughout the region and offer support and guidance for women, as well as offering screening for breast and ovarian cancers. These programs have been greatly helped by the support and the hard work of Victoria Mondloch who has used her status within the hospital to aid these programs and help them with resources and funding. These campaigns are critical to the health of many women in the community and with her help we have been able to diagnose a large amount of women, doing so in most cases at a very early stage.
As if all of this wasn’t enough, Dr. Victoria Mondloch is also a regular contributor to the Medical Journal where she often speaks about new treatments and examinations which are being developed, that can further help with a huge range of female health issues. In doing this she is able to speak to a wider community about women’s health and therefore motivate and animate the wider medical world when it comes to the aspect of health which she is so passionate about.
A true inspiration.