Nothing Fancy About These Preps

My oldest son is an easy going individual who is a firm believer that nothing is going to happen which would require preparations. He appears to lack the insight to see exactly what the future will hold concerning our personal liberties as well as our survival. He never has been able to get intricately involved in any sort of survival details and his level of preparedness is exceptionally low. Does that mean he is doomed when the balloon goes up and we need to rely upon our resources? Not necessarily, I would like to present the simplest preparedness program in existence.

The adult son in question resides in his own three story home with neighbors on each side of his house. He is not rich but gets along well on what he and his wife earn by working. He owns a car but it is never setup as a BOV so we may as well consider him as having no means of escaping his current environment. My goal is to establish an easy, simple and practical method to get him to prepare at least some what for any potential crisis. Here is what I have to offer.

He never was much to store up on a lot of extra food. He and his wife generally purchase enough pantry supplies to last them for approximately two weeks at the most. To start him out in the right direction I would suggest that he purchase at least 30 cans of pre-made canned foods which should not require water to be added. These quick foods could be stews, spaghettis in a can or something of a similar nature. Add to this another 30 cans of various types of vegetables and meats, such as peas, carrots, pork and beans, canned fish, canned fruit or any other types which appeal to the family. Lastly, include 30 gallons of water to this list of essentials. That concludes my suggested food supplies. It isn’t very elaborate and the problem of food fatigue may enter the picture but food in the stomach is of utmost importance and if one is hungry enough they will eat the food.

Now for providing light in an emergency we must understand that my son lives in a three story home and has two young children. Taking that into consideration, I suggest two hurricane lamps along with several battery operated flashlights. The lamps are fairly inexpensive items and can be purchased at any department store or Wal-Mart for less than $15 dollars. Add four gallons of lamp oil to that list along with batteries for the flashlights and you are ready for action. Keep in mind that batteries when used for the sole purpose of light do not last very long however they are warranted so that the family members can go from floor to floor safely as well as a means of seeing while outside the confines of the home. The lamp oil on the other hand will consume a mere ½ ounce per hour. Not bad at all.

Heating the home presents a bit of a dilemma since it is so large and occupies three floors. Granted the oil lamp will provide a small measure of heat but nowhere near what would be needed. The only alternative would be to stock up on plenty of warm clothing for each family member and lots of thick wool blankets. Open flame devices for heat are not acceptable due to fire safety reasons as well as for the carbon dioxide hazard presented.

For their sanitation needs they could obtain a five gallon plastic bucket similar to those found in cake decorating shops from bulk icing. These are generally free or at a small cost of one dollar or so. Toss in several boxes of garbage bags and enough toilet paper to handle the family’s usage. To freshen up the smell keep several bottles of dishwashing liquid nearby. For washing up after use include a bottle of waterless hand soap.

To account for minor health related issues you should include the more common over the counter items like pain killers, bandages and a small bottle of iodine. Add the kind of simple items which one would find in a first aid kit. Serious health issues which require prescription drugs should be dealt with accordingly.

No home is a fortress and security should be adequately addressed. Place a few 2×4’s in a convenient location along with some nails to secure them across the homes doors and windows. To use nail one of the boards into the floor near the base of the door. Next nail two others at 45 degrees angles across the middle section of the door or window. This naturally means keeping a few hand tools such as a hammer and screwdriver readily available. Be sure that you keep one exit clear for departure in dire emergencies.

As you can readily see these items do not involve any long term efforts to organize as they are short and to the point. For less than $150 dollars you can assemble these emergency supplies which will easily take care of several people without difficulty for at least one month. I have deliberately kept everything as simple as possible. In addition to the above suggestions try to keep a low profile and windows covered with heavy blankets at night.

Copyright @2011 Joseph Parish

By Joseph Parish

Proper Childhood Feeding

Copyright 2005 Joseph Ben Hil-Meyer Research, Inc.

Bruce Berkowsky, N.M.D, M.H., HMC


A lifelong legacy of good health emanates from the institution of correct feeding practices at birth. Unfortunately, in this era, feeding children in accordance with Nature’s dictates has fallen out of fashion.

Good parents make every effort to provide for their children materially and to orient their moral compasses. But their nutritional guidance responsibility is often neglected. As a result, many parents unwittingly subvert their offspring’s health and human potential. Proper feeding not only benefits the child in the immediate sense, but also serves as a paradigm the child is likely to adopt and pursue throughout his or her adulthood. Proverbs 22:6 teaches: “Train a child in the way he should go, and when he is old he will not turn from it.”

For the most part, disease is not, as is popularly thought, a direct outcome of microbial infection; rather, it’s the result of disregarding one of Nature’s primary laws: Human beings have an inherent relationship with those fundamental elements necessary for life: proper diet; pure water; fresh air; adequate sunlight, exercise, warmth, rest and sleep; emotional harmony; proper posture. Disease is an outgrowth of a deficiency or excess of one or more of them.

Violation of this law leads to the two primary roots of disease: autotoxemia and enervation. Autotoxemia is a polluted state of the internal milieu. This toxic burden impedes all bodily functions, including elimination, and so increases and perpetuates itself. Enervation is a state characterized by depletion of nerve force and reduction of the body’s resistance to infection. These two conjugated factors fuel each other and constitute the primary disease state. Acute ailments such as colds and flu as well as chronic ailments such as recurrent middle ear infections, diarrhea and eczema are secondary effects of this primary state.

When systemic level of toxicity surpasses the body’s threshold point of tolerance, a crisis of toxemia ensues. Medical science classifies these crises as acute “diseases,” according to their unique symptom complexes (e.g., bronchitis, colds, flu, pneumonia, etc.).

In reality, these crises are the body’s urgent efforts toward elimination of toxins. The crisis of toxemia continues until the level of toxicity has been reduced (via sweating, fever, vomiting, diarrhea, nasal drainage) to below the threshold point of tolerance, after which it subsides as naturally as it arose. However, if drugs are used to suppress toxic discharges, the poisonous matter (which the body is seeking to expel) is forced away from eliminating organs and secreting surfaces, and forced deeper into the tissues which further lowers the body’s vitality, setting the wheels of chronic disease in motion.

In this era, traditional naturopathic knowledge regarding childhood feeding has fallen into near-total obscurity. Harry Benjamin, N.D. writes in Everybody’s Guide To Nature Cure (1936): “Parents assume that the children’s ailments of today are something inevitable. So they are –if children are fed as they are today.” The import of this observation has increased exponentially in this ubiquitous junk-foods era.

Aliveness is dependent upon what naturopaths refer to as vital force and Chinese medicine calls chi. Vital force is the fundamental energy sustaining life and is present in every cell’s vibratory, biological process. The Chinese feel that a large proportion of vital force is liberated from food upon digestion and assimilation. Thus, the quantity of vital force—the very force that is the impetus of growth and development—is dependent upon our food’s quality.

Medical science now clearly acknowledges that childhood diet is a critical factor in adult health. A recent study published in the International Journal of Cancer found that weekly servings of French fries to girls between the ages of 3 and 5 significantly increases their risk of developing breast cancer later in life.

By now, the link between improper childhood feeding and lifelong obesity with all its associated health risks (e.g., diabetes, heart disease, cancer) is well-established. Astonishingly, 60% of American children are obese (i.e., over 30% of body weight is fat). Unlike adults, a child’s body, when challenged by an excess quantity of fat, creates new fat cells rather than relying upon the storage capacity of pre-existing cells. At maturity, the number of fat cells is fixed and can never be reduced. Normally, the adult body contains 30 to 40 billion fat cells. Adults who became overweight as children may house as many as 90 to 120 billion fat cells.

In cases of childhood physical illness and behavioral dysfunction, a pivotal and often overlooked factor is improper diet. In the digestive system, intestinal villi represent a type of “root system” charged with absorbing nutrients from the small intestine and transporting them to the blood. Like a plant, the integrity and vitality of the human organism is largely dependent upon its root strength and the quality of accessed nourishment.

Poor nutrition directly contributes to behavioral- as well as physical dysfunction in a variety of ways. Vital nutrient deficiency is an obvious one. For instance, zinc-deficient children are not only immunologically compromised, they are also subject to learning disabilities, moodiness and proneness to violent behavior.

Proper childhood feeding actually begins before birth. William Howard Hay, M.D. writes in Superior Health Through nutrition (1891): “As we eat, so are we. We die, cell by cell, every day of our lives and, cell by cell, we are recreated. We not only have the means of proper re-creation in our hands through our manner of feeding, but also original creation [of cells] depends largely on the state of the mother’s chemistry.” Thus, the importance of optimal prenatal nutrition cannot be overemphasized. For many children, a pattern of food allergies, obesity and chronic unwellness is institutionalized before they are even born

Mother’s Milk

Human milk meets the infant’s special growth requirements. To accommodate evolving nutritive requirements, both composition and volume of breast milk change as the infant matures. Each species’ milk is adapted precisely to the specifications of its own young. Accordingly, vast differences exist between nutrient profiles of human milk and those of other species. For instance, human milk contains 1% – 2% protein as opposed to the 3.4% protein-content in cow’s milk.

Importantly, human milk’s amino acid composition is ideally suited to facilitate the great degree of brain growth that occurs in a child’s first year of life. Cow’s milk, on the other hand, is structurally adapted to rapid development of muscle and bone mass rather than brain tissue (adult cows have relatively small brains).

Whether milk or soy based, commercial baby formulas are a highly problematic substitute for mother’s milk. Commercial formulas evoke diverse allergic reactions which often affect digestive function. Formulas generally provide difficult-to-digest proteins (more than baby can absorb), giving rise to putrefying accumulations in the bowels. Also, undigested protein can enter the bloodstream which causes distal-site inflammation and elicits adverse immunological responses.

Mother’s milk contains only one type of sugar: lactose. Artificial formulas are laden with refined sugars such as sucrose, maltose and dextrose which tend to ferment in the child’s digestive tract, interfere with the digestion of formula protein-content and lay the groundwork for many catarrhal disorders associated with childhood, including chronic ear infection, tonsillitis, croup and colic.

The Nursing Mother’s Proper Diet And Lifestyle

Despite breast milk’s superiority to the milk of other species and to commercial formulas, this does not mean that all breast milk is of good quality. Quality of breast milk will vary in accordance with the quality of mother’s diet and lifestyle. A healthy, thriving child is most likely the product of a nursing mother’s lifestyle that is characterized by: proper diet; adequate fresh air, exercise, sunshine, rest and sleep; emotional balance; avoidance of negative influences.

The nursing mother should eat a high water-content diet consisting of large quantities of fresh fruits and vegetables and comparatively smaller quantities of whole grains, legumes, seeds, nuts, fish, skinless chicken and turkey. She must also avoid all common allergenic foods (e.g., dairy, wheat, peanuts, etc.) and rotate moderately allergenic foods such as corn and eggs on a four-day schedule.

The Three Feeding Periods Of Childhood

Ideally, childhood feeding should consist of three clearly demarcated phases:

1) Breast milk period: breast milk is taken along with supplemental fresh, raw fruit and vegetable juices.

2) Transition period: intermediate-phase when the child takes both breast milk and proper solid foods.

3) Post-weaning period: the child subsists on a diet similar to that of adults.

Ultimately, the best way to ensure a child’s physical and behavioral integrity is through careful and knowledgeable implementation of each phase. For example, a common feeding error in infants is the premature introduction of starches. Starches do not occur in breast milk and infants are unable to digest it.

Starch digestion begins in the mouth as saliva contains the starch-splitting enzyme salivary amylase. Noted naturopath Paavo Airola, N.D. writes in Every Woman’s Book: “Salivary amylase will not be present in a child in any appreciable quantity for at least 6 months. Another starch-digesting enzyme secreted by the pancreas is also not present in sufficient amount to digest starch….The baby’s digestive system is not equipped to efficiently digest starch foods until 1-year or longer, and therefore, he should not be fed starchy foods for at least that long.”

It’s common practice for mothers to introduce cereals to 4-month-old infants. This crucial feeding error may impact the child’s health for the rest of her life. Herbert Shelton, N.D., founder of the Natural Hygiene System, writes in The Hygienic Care Of Children: “The present widespread practice of feeding cereals, baked potatoes, bread and other starch foods to babies is responsible for much illness in them. Indigestion, constipation, diarrhea, colic, skin rashes, tonsillitis, etc. are chief among the outgrowths of such feeding.” I have always advised mothers against feeding starches to babies until they are at least 14-months-old.

Clearly, investing in a child’s future must go beyond a college education fund to include parental investment of time and effort to learn about and implement optimal prenatal and childhood nutrition. In fact, it is one of the most important gifts a child can receive.


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My Ankle is Sore – Treatment, Prevention, Rehabilitation Aids – Brace Yourself For Pain Relief

Is your ankle sore? Do you know how this soreness came on, or are you unsure?

1.) The Purpose of This Article

We are going to cover why your ankle might be sore, and actually help to make some suggestions that might help you in your quest to be pain free. Many at home treatment methods can help and we are going to focus on these options in this particular article.

2.) How Did The Pain Start?

Sometimes people know out right that they rolled their ankle and sprained it. Sometimes that answer is just starring you in the face. Sometimes the pain is less obvious in origin. As we get older it is obvious that our bodies do not respond like they used to and you could be suffering from arthritis and over use type of problems. Typically, people will suffer from ankle pain due to some level of sprain, but fractures are possible as well. – At home treatment methods are not ideal for a fracture and it is important, of course to visit with your physician about this issue.

3.) Treatment Options – Rest, Ice, Elevation & Braces

Often times when you hurt yourself, one of your immediate responses will be to look for some ice and rest. Take it easy! We are sure you have heard of these treatment options to help reduce your swelling and pain in the short term. However, what are you going to do in the long term? We also know that we would love to sit around and constantly rest our ankle, nursing it back to perfect health. This, however is not always easy to do! Especially as we get older and our responsibilities begin to call you into action.

One of the best things you can do for yourself is to use a well made ankle brace for support. The use of one of these kinds of supports can do many things for you. It can help you to reduce your ankle pain, and it can also help to reduce painful movements that are really bringing you down! The other good thing about ankle braces is that you can use them just about anytime you want to. This is very important because people can not always just sit around trying to rest and ice their ankle problems. Braces are very effective in that they can be used at almost any time during the day!

Parenting Skills That You Need

Being a parent requires nothing. There are no entrance exams or tests you have to take to be a parent. Anyone can be a parent. That is not to say it is easy, though. To be a good parent there are some parenting skills you really should have. These parenting skills often come natural or are easy enough to learn. They will help you through the process of raising a child.

Parenting skills are often just a natural thing. Most parents already have these skills and do not even give it a second thought. Some of the skills are self explanatory while others may not seem so obvious. The following list explains some of the important parenting skills that ever parent needs to have.

– Patience: Patience is a huge parenting skill. Children are very good at trying your patience and you have to be able to withstand that. You have to be patient with children because they are just learning. They are discovering the world around them and this often leads to hours and hours of them wanting to do what they want to do. They may not understand a lot of things and you have to be patient as they learn to understand. Patience is key to keeping from exploding at your child or losing your cool with them.

– Teaching: Teaching skills are very important when parenting. Part of parenting is teaching. You are your child’s number one guide to life. They learn everything from you from how to talk to how to treat others. They learn the little things and the big things in life form watching you. You have to be a good teacher to make sure your child grows up to be the person you want them to be.

– Listening: Listening skills are another great part of parenting. There will be many ties you will have to listen to your child for various reasons. As infants listening to them and paying attention to them is the only way to understand what they need. As they get older listening to your child will help your develop your relationship and help ensure they are getting what they need form you.

– Organizational: It may not seem like a big deal, but as soon as you have a child you will discover that you have to be organized. Children run on schedules, especially when they are first born. Having and sticking to a schedule is essential to make the baby feel secure. You will find the more organized you are the less stressful parenting is and the more time you actually have to enjoy your child.

– Detective: Detective skills may seem odd to be on the list of parenting skills, but any parent will tell you that it is important. There are going to be many times you will have to search for clues to find out what is going on with your child. You will have to be smart and cunning sometimes to get to the bottom of things. As your child gets older being a detective may be the only way to stay on top of their life and know what is going on with them.

– Doctor: Doctoring skills are a large part of parenting. You have to be able to diagnosis what is wrong with them. They will come running to you whenever they feel bad and expect you to make them feel better. You will have to know when to treat them yourself and when to seek a doctors help. You will have to be able to doctor small wounds and bruises. You will have to treat colds and even the flu.

These are only a handful of the parenting skills you will need. A parent is a sort of jack of all trades you have to not only raise them and love them, but also handle every other aspect of their life. Your child will look to you for everything and you need the right skills in order to help them and raise them. Parenting skills are often learned in time as you are raising your child. Most people do not know anything when they have a child, but learn as they go. You will pickup all the skills you need as you start to begin on the journey of parenthood. Parenting skills will come naturally.

Understanding Friendship From Quotes

There comes a time in your life that you might be wondering what exactly is friendship. Relationships between people, family, lovers and friends are always so complicated that some times left as very confused to the radical point that we do not know what friendship is all about.

The best way to explore this phenomenon is through friendship quotes. At first you might be skeptical and will not see the connection between the two, but as you dig deeply and read hundreds of those quotes you might come to the right conclusion. Although this is a wide topic the true meaning of friendship is very simple: to care about someone that is close to us. Also there are lots of words about sad love quotes, it is true that most of those quotes are sad because we only turn to them when we are unhappy and we want to find comfort by reading those meaningful words. In most cases of friendship people who are happy do not really think about what is going on in there life, it is only start to bug them when they have a crisis.

On the other side of the coin there is this beautiful quote: "at the touch of love, everyone becomes a poet". The idea behind it is that only when you are happy you have the inspiration to read and even create your own friendship quotes. This works like positive energy that spreading the quotes from person to person hopefully they will enjoy them no matter how they feel. If you have a friend than this is the time to find a cute quote on the internet or if you are creative person even write your on friendship quote and share it with someone that you care about, only than you will see the power of friendship quotes .

Everything About Life Insurance!

I want to start off this 2010 with an article regarding Life Insurance. Many people find this topic morbid but believe me when I say this contract is as important as a Will and should be taken just as seriously as health insurance. Due to the length in details of this article I have provided chapters for easy reading. I hope this will educate you on Life Insurance and the importance of its necessity. (Note: For better understanding “You” is the policy owner and the insured)


1= Introduction

2=When/If you have Life Insurance already

3= Difference between a Insurance Agent and Broker

4= Types of Policies

5= What are Riders and popular types of Riders

6= The medical exam

1) About general Life Insurance:

This is a contract between you and an insurance company to pay a certain amount (the premium) to a company in exchange for a benefit (called the Death Benefit, face amount, or policy amount) to the beneficiary (the person you want to get paid in the time of your death). This can range based on the type of policy (which will be discussed momentarily), your health, your hobbies, the Insurance company, how much you can afford in premiums, AND the amount of the benefit. It sounds overwhelming but it is not if you have the right agent or broker.

Now many people can say that Life Insurance is like gambling. You are betting that you will die in a specific time and the insurance company bets you won’t. If the insurer wins, they keep the premiums, if you win…well you die and the death benefit goes to the beneficiary. This is a very morbid way of looking at it and if that is the case you can say the same for health insurance, auto insurance, and rental insurance. The truth is, you need life insurance in order to ease the burden of your death. Example 1: A married couple, both professionals that earn very well for a living have a child and like any other family has monthly expenses and 1 of the couple has a death. The odds of the spouse going back to work the next day is very slim. Odds are in fact that your ability to function in your career will lower which RISK the cause of not being able to pay expenses or having to use one’s savings or investments in order to pay for these expenses NOT INCLUDING the death tax and funeral expenses. This can be financially devastating. Example 2: lower middle income family, a death occurs to 1 of the income earners. How will the family be capable of maintaining their current financial lifestyle?

Life insurance is about the ability of lowering the risk of financial burden. This can be in the form of simple cash or taxes via estate planning.

KEY Definitions:

The Insured: The person that is covered by the insurance company (He/She does NOT have to the policy owner)

The (policy) Owner: The one that pays the premium, controls the beneficiary, and basically owns the contract (Does NOT have to the insured…hope you understand it can be either/or).

Face Amount: Also known as the death benefit. The amount to be paid to the beneficiary.

The Beneficiary: Is the person/persons/organization who will receive the face amount (death benefit)

2) When/If you have Life Insurance:

First, you should review your beneficiaries once a year and your policy approximately once every 2-3 years. This is free! You need to make sure the beneficiaries are the people/person you want to get paid! Divorce, death, a disagreement, or anything of the sort can make you change your mind about a particular person to receive the benefit so make sure you have the right people, estate/trust, AND/OR organization (non-profit preferably) to receive the benefit. Furthermore, you need to review every 2-3 years because many companies can offer a lower premium OR raise the benefit if you renew your policy or if you find a competitor that sees you have been paying the premiums may compete for your business. Either way, this is something you should consider to either save money or raise the policy amount! This is a win-win for you so there should be no reason not to do this.

3) Life Insurance Agent or Broker, what is the difference?:

The major difference is an Agent is usually an independent sales man that usually works with different insurance companies in order to give the client the best possible policy while the Broker works for a particular company. My personal advice: always choose an Agent. Not because I am one myself BUT because an agent can look out for your benefit by providing different quotes, types, riders that are available (explained later), AND pros/cons regarding each insurance company. If you don’t like a particular insurance company, tell the agent and he should move on to the next carrier (if he persist for some odd reason, fire him). Buyers BEWARE: The Agent should get paid by the carrier that is chosen, not by you specifically. If an Agent asks for money upfront for anything, RUN! There are also Insurance consultants that you pay but to keep things simple, see an Agent. Consultants and Agents are also great in reviewing current policies in order to lower premiums or increase benefits.

4) Types of Policies:

There are 2 main categories: Term and Permanent Insurance. Within each of the 2 categories have sub-categories. I will explain them at a glance in order for you to make the best possible choice for you and your loved ones. Remember, you can have estate/trust or a organization as the beneficiary. (Note: There are even more sub-sub-categories within these sub-categories but the difference are so small and self explanatory that I have not included it in this article. Once you speak to an agent you will have enough knowledge by this article that you will know what questions to ask and know if you agent is right for you).

Term Insurance: A temporary policy in which the beneficiary is paid only upon death of the insured (you) within a specific time period (hence the word “Term”). Term Insurance is usually less expensive with a smaller death benefit. Some do not require medical exams BUT expect to pay a higher premium since the risk of the insurance company is unknown. Also, term insurance normally does not accumulate cash value (explained in permanent insurance) but can be purchased on top of your permanent policy (for those that may have coverage already):

Convertible Term: Ability to convert policy to permanent. There are some REALLY GOOD policies that require no medical exam, driver history, or hazardous avocations at a certain point in order to convert to permanent coverage guaranteed with all the benefits that permanent insurance policies has to offer.

Renewable Term: Able to renew a term policy without evidence of insurability.

Level Term: Fixed premiums over a certain time period than increases (great for those that are young adults and expect within 10 years to have a increase in pay).

Increasing/Decreasing Term: Coverage increases or decreases throughout the term while the premium remains the same.

Group Term: Usually used for employers or associations. This covers several people in order to reduce premiums. (Great for small business owners)

Permanent Insurance: Just as the name states, this provides coverage throughout the lifetime of the insured. This also builds cash value which is fantastic for tax purposes because if you loan out money to yourself using this cash value there are no tax implications. Few policies may have in general withdrawal tax-free. However in most cases, If you withdraw the cash value you pay the only the taxes on the premiums (the amount that grew) which is fantastic. Just make sure your agent knows not to have the cash value grow larger than the death benefit otherwise it is subject to 10% taxes! Surrender charges may also apply when you withdrawal so PLEASE consult with an agent who can assist you with these details. You should consider Permanent Insurance if you have a family and don’t mind an increase in premiums (amount you pay) by a few dollars compared to term.

Traditional Whole Life: Pay a fixed amount of premium in order to be covered for the insured’s entire life which includes accumulating cash value.

Single-Premium Whole Life Insurance: Whole life insurance for 1 lump sum premium (usually that 1 lump sum is very large in order to get a great death benefit).

Participating Whole Life Insurance: Just like Traditional Whole life except it pays you dividends which can be used as cash OR pay your dividends for you! There is no guarantee that you will be paid the dividends, this is based on performance within the insurance company.

Limited Payment Whole Life Insurance: Limited payments for whole life but requires a higher premium since you are in fact paying for a shorter amount of time. This can be based on payment amounts (10, 20, 30, etc payments) or a particular age (whole life is paid up at age 65, 75, 85, etc).

Universal Life Insurance: Flexible premiums with flexible face amounts (the death benefit) with a unbundled pricing factors. Ex: If you pay X amount, you are covered for X amount.

Indexed Universal Life: Flexible premium/benefit with the cash value is tied to the performance of a particular financial index. Most insurance companies crediting rate (% of growth) will not go below zero.

Variable Life Insurance: Death Benefit and cash value fluctuates according to the investment performance from a separate account of investment options. Usually insurance policies guarantee the benefit will not fall below a specified minimum.

Variable Universal Life Insurance (also called Flexible Premium Variable Life Insurance & Universal Life II/2): A combination of Variable and Universal which has premium/death benefit flexibility as well as investment flexibility.

Last Survivor Universal Life Insurance (also called Survivorship or “Second to die” Insurance): Covers 2 people and the death benefit is only paid when both insurers have died. This is FANTASTIC and somewhat a necessity for families that pay estate taxes (usually High-Net-worth individuals).

5) Life Insurance Riders, what is it and why is it very important:

Rider is the name of a benefit that is added to your policy. This provides special additions to the policy which can be blended and put together. There are SO MANY types of riders that I would have to write a different article regarding Riders (and insurance companies add new types of riders often) but I want to at least name the most popular (and in my opinion, the most important) that you should highly consider when choosing a policy. Riders add to the cost of the premium but don’t take riders lightly; it can be a life saver!

Accidental Death Benefit Rider (AD&D): Additional death benefit will be paid to the beneficiary if you die from a result of an accident (ie: Car accidents, a fall down the stairs). This is especially important if the insurer travels often, relatively young, and has a family. Please note: You can buy AD&D Insurance separately.

Accidental Death & Dismemberment Rider: Same as above BUT if you lose 2 limbs or sight will pay the death benefit. Some policies may offer smaller amounts if losing 1 eye or 1 limb. This is great for those that work with their hands.

Disability Income Rider: You will receive a monthly income if you are totally and permanently disabled. You are guaranteed a specific level of income. Pay attention to this detail, depending on the policy it will either pay you depending on how long the disability lasts OR time frame of the rider.

Guaranteed Insurability Rider: Ability to purchase additional coverage in intervals based on age or policy years without having to check insurance eligibility.

Level Term Rider: Gives you a fixed amount of term insurance added to your permanent policy. This rider can add 3-5 times the death benefit or your policy. Not a bad deal!

Waiver of Premium Rider: If you become disabled which results to the inability to work/earn income, the waiver will exempt you from paying the premiums while your policy is still in force! There is a huge gap between policies and insurance companies so the devils in the details with this rider.

Family Income Benefit Rider: In case of death of the insurer, this rider will provide income for a specific time period for your family.

Accelerated Death Benefit Rider: An insurer that is diagnosed with a terminal illness will receive 25-40% of the death benefit of the base policy (The decision is made between the insurer and the insurance company). This will lower the death benefit however depending on your finances or living lifestyle, this rider should not be taken lightly and should seriously be considered.

Long-Term Care Rider: If the insurer’s health compels to stay in a nursing home or receive care at home, this rider will provide monthly payments. Please Note: Long Term Care insurance can be bought separately for more benefit.

6) The Medical Exam:

This section is not to scary you away but to mentally (and possibly physically) prepare you for the medical exam so this way you know what to expect and can get the lowest possible premiums while receiving the highest possible death benefit. This really shouldn’t be a concern if you work out regularly and maintain a healthy eating habit (notice I said habit and not diet. Diets don’t work for long term).

The exam is mandatory for most insurance policies. Many term insurance do not require one but expect a low death benefit and/or higher premium. The idea of the exam is not just to see if you’re insurable but to also see how much they will charge the insurer/policy owner. The exam is done by a “paramedical” professional that are independent contractors hired by the insurance company who either come to your home or has an office where you/the insurer visit. They are licensed health professionals so they know what to look for! In very few cases the insurance company may ask for an “Attending Physician Statement (APS)” from your doctor. This must be provided by your doctor and NOT copies by you. TIP: The “paramedical” job is to give the insurance company a reason to increase your premiums so don’t give any details that are not asked.

First part (either called Part 1 or Part A) is complete by the Agent or by you. Part 2/B is the paramedical or physician portion. The best bet is to have your agent contact a paramedical that specializes in mobile exams for an easier exam for you. Paramedical will contact you to schedule an appointment. The exam is not optional so it’s not a matter of yes or no but when and where. This entire exam will cost you nothing except time so make the time, life insurance is important!

The paramedical/physician will take your medical history (questions), physical measurements of height and weight, blood pressure, pulse, blood, and urine. Additional tests will vary based on age and policy amount (yes, the higher the death benefit = the more tests that must be provided). Now if the policy is substantial, the insurance company may not send a paramedical but require an actual Medical Doctor to exam you. Of course, this is chosen by the insurance company so remember my tip earlier! This exam may even include a treadmill test and additional crazy exams in order to see if you qualify for that substantial amount and low premium. On the flip side, if you choose a low insurance policy, you will just have a paramedical doing simple tests that mentioned earlier with no additional exams.

What they are looking for: Paramedical/Physicians are looking for health conditions that may shorten your life. Remember, insurance companies are here to make a business and if you’re a liability then it might be a risk they do not want to take or raise the premium to make the risk tolerable. Blood and urine is taken to see the following:

– your antibodies or antigens to HIV

– Cholesterol and related lipids

– Antibodies to hepatitis

– Liver/kidney disorders

– Diabetes

– Immunity disorders

– Prostate specific antigen (PSA)

– Drug tests such as cocaine

The Results: They are sent directly to the insurance company’s home office underwriters for review. Many times you can request (must be written request) to receive a copy of the results however many insurance companies will automatically do this. Many times they will find abnormalities but it’s usually not a concern and just speak to your medical professional for a follow up (remember: the insurance company will look at these exams with a “fine tooth cone” in order to see what the risk are). The underwriters will look at the exam results and the application (remember part 1/a? well, now they want to see if your also lying) and determine the premium amount. Smokers pay more; any nicotine in your system will consider you a smoker, even if it is just socially.

The premium is determined by a category that you fit in. This really depends on the insurance company on how they factor but the general rule is if you are a higher risk, you pay higher premium. If you are standard risk, you will pay a standard premium, and if you are a preferred risk, you will pay a low premium.

You can decline the policy after you receive the final quote after the exam but do remember this: All results will become part of the MIB group’s database (Medical information Bureau). This is a clearinghouse of medical information that insurance companies use to store information after you apply for Life/Health/Disability Income/Long Term care/Critical Illness insurance. So for seven years it will be on database. You can receive a free report annually (like a credit check) at their website which I included at the bottom of this article.

Now that you know practically everything there is to know about life insurance. I hope you realize how important it is. It may seem like a lot but the hardest part is simply choosing what type of policy is right for you. This can be done with the help of your Agent. In the end, everyone is different and everyone should analyze their own situation and need for the beneficiaries. If you have even the slightest concern for a loved one regarding what will happen if you was no longer with us then you should consider life insurance. There truly is a feeling a relief once you know you and your loved ones are covered regardless of how much you or that person makes. For many that feel that their loved ones don’t need the death benefit due to whatever the case may be (“they earn enough money to survive” is the biggest reason I hear against life insurance), this can be a simple last gesture of “I love you” or appreciation for them being part of your life.

I hope I was able to educate you in Life Insurance and if you have any additional questions please feel free to email me.

MIB website:

Obesity in Today’s Society

Obesity is rapidly becoming one of the greatest health challenges of the 21st century. No disease is more common and causes more unnecessary illness or early death than obesity.  Furthermore there is no other single problem that so reduces the quality of life or increases the demand for healthcare services

The problem is worldwide.  In the United States, more than two of every three adults are overweight and about one in three is obese  This means that approximately 60 million people have the disease of obesity in the United States alone.  More than one in five Australian adults, an estimated 2.6 million of a population of 20 million, are obese.  For both countries, the incidence of obesity has doubled since 1980.  Alarmingly, obesity starts in childhood and already 7% of our teenagers are obese.

Around the world, all countries have a growing problem.  There are now an estimated 300 million people around the world who are suffering from obesity and its consequences.  In both developed and developing nations, a similar pattern is occurring.  In Russia, 54% of adults are overweight.  In Brazil, the figure is 36%, and in Malaysia, 27%.  Even China has a developing problem.  A recent survey of adults in urban Shanghai reported that 29.5% were overweight and 4.3% were obese.

After millions of years of evolution we carry a genetic structure designed to enable us to survive the life of the hunter-gatherer, but our health and our lives are now threatened by a lifestyle characterized by ready access to copious amounts of attractive food and very little need for physical activity.  Foods high in fat, carbohydrates and, in particular, simple sugars, are booming.  The US Department of Agriculture reports that the US per capita intake of sugar was 152.4 lb (69 kg) in 2000.  This is equal to nearly half a pound (230 g) of sugar per person each day.  Most people will claim that they are not eating that much sugar.  However, sugar is now a part of so many foods that we don’t even realize that we are eating it.  Sugar has infiltrated out diet to a frightening extent.  One hundred years ago, the sugar intake per capita was only 0.5lb (230 g).  Is it any wonder that we have a problem with obesity?

And we don’t even need to get out of the chair to order the food to be delivered or to change the channels on the television.  Activity has become optional.  The combination of increased intake of energy and reduced energy expenditure inevitably leads to progressive weight increase. Dallas Weight Loss clinic

Dry Skin Rash – Dry Skin Rash Diet

If you are suffering with a dry skin rash or eczema, whichever, I want you to try a eating plan for ten days to see what difference a certain way of eating will have on your rash.

I can predict that your skin rash will transform to some degree. You might find that your rash disappears completely.

That is how confident I am about this eating plan.


Because by following this eating plan, “The 10 Day Raw Plan”, you will be introducing high quantity and high quality nutrients into your body;

high quality vitamins, minerals, enzymes, antioxidants and phyto-hormones. All of which will heal, detox and rejuvenate your skin.

These foods will eliminate stored wastes from your body efficiently and will rejuvenate your skin all over your body.

You will begin to see that you skin is smoother and your rash heals at a much quicker pace.

Other benefits of following “The 10 Day Raw Plan” are:

Toned flesh, firmer, smoother and clearer skin. You will also notice that you have brighter and clearer eyes and will feel a lot calmer; physically and emotionally.

The basis of “The 10 Day Raw Plan” is as follows:

Dry Skin Rash Diet – Tip #1

First thing in the morning you drink a large glass of raw fruit and/or vegetable juice. You should also add an element of green food such as spinach, green cabbage or spirulina.

Dry Skin Rash Diet – Tip #2

The second meal of the day is a large raw, organic salad which contains many difference vegetables. There should be at least 7 different types of food. Serve your salad with two teaspoons mix of sesame, pumpkin and sunflower seeds and prepare a dressing of olive oil and lemon juice.

Here are some vegetables for you to choose from: collards, lettuce, cabbage, spinach, watercress, kale, rocket, radicchio, fennel, carrots chard, turnips, parsnips, radishes, beetroot, celery, yams, sweet potatoes, cauliflower and swedes.

Dry Skin Rash Diet – Tip #3

The last main meal of the day is made up of some grain and vegetables. You can prepare some brown rice and steam vegetables. Or you can stir fry the vegetables.

Holiday Illness Questions Answered

If you suffer holiday illness or food poisoning through no fault of your own, you are well within your rights to make a claim for holiday illness compensation when you get home.

Common questions about holiday illness include:

1. How much can I claim for holiday?

It depends on the severity of your illness and how it has affected your life. A personal injury solicitor will be able to advise you of the amount you may claim once he carries out a free claim assessment.

2. What complications are linked to food poisoning?

Food poisoning complications commonly occur in young children, pregnant women, older people and people with weakened immune systems. Complications can include dehydration if you lose more fluids than you can replace. Intravenous drip treatment usually cures this but you must seek medical advice immediately if you suspect you are suffering from food poisoning.

3. How long do food poisoning symptoms last?

It depends how severe the food poisoning symptoms are but mild or moderate will normally clear up within 4-7 days. Severe symptoms will take longer and some holidaymakers are still carrying the disease when they return to the UK.

4. Who shall I contact if I contract holiday food poisoning?

Firstly, contact a doctor who will prescribe treatment for your symptoms, then contact a personal injury solicitor in the UK if your holiday illness was caused by someone else. You could have a strong case for compensation.

5. Should I take medication with me on holiday?

There is no harm in taking medication on holiday with you but if you contract Salmonella or E-coli you will still need to see a doctor who will prescribe the correct treatment for the infection.

6. What are the main causes of holiday food poisoning?

Common causes of holiday food poisoning at all-inclusive resorts include poor standards of hygiene in kitchens and food serving areas and poor standards of food preparation.

7. Should I accept compensation directly from the holiday company?

No, never accept any offer of compensation until you have spoken to a regulated personal injury solicitor as you could be entitled to much more than they are offering. If you accept their offer, it may prove impossible to successfully claim more money later on.

8. How does a no win no fee compensation claim work?

If you contact a holiday illness solicitor who works on a no win, no fee basis you won´t have to pay a penny to make a claim, even if you lose the case.

9. How long will a claim take?

It depends how quickly the tour operator replies to correspondence from your solicitor and also whether or not they admit liability. A personal injury solicitor will be able to give you a better idea of the timescale when he has assessed your case.

10. What is E-coli?

E-coli is a type of bacterium which can be found in the digestive systems of animals and humans. The most harmful strain to humans is E0157 which often develops after eating uncooked meat or drinking contaminated water or milk.

If you want to make a holiday illness compensation claim choose a regulated solicitor who works on a no win, no fee basis and one who will pay you 100% of the compensation.

Sebaceous Cysts Treatment Tips

A sebaceous cyst is a closed sac under the skin filled with a cheese-like or oily material. Sebaceous cysts are commonly seen on the scalp, labia, scrotum, chest, and back, but can be found anywhere on the body. A foul odor is also often present in the substance called keratin which fills sebaceous cysts. Keratin is a protein that creates the sac of cells called sebaceous cysts. The bumps or lumps you can feel under your skin are actually the sac of cells. Sebaceous cysts are often the result of swollen hair follicles, or skin trauma. The scalp, ears, back, face, and upper arm, are common sites for sebaceous cysts, though they may occur anywhere on the body except the palms of the hands and soles of the feet. In males a common place for them to develop is the scrotum and chest.

They are more common in hairier areas, where in cases of long duration they could result in hair loss on the skin surface immediately above the cyst. The main symptom is usually a small, non-painful lump beneath the skin. Small lumps or bumps that occur just under the skin of the genitalia, breast, abdomen, face, neck, or elsewhere on the body are the most common symptom of sebaceous cysts. Sebaceous cysts may occasionally become infected and form into painful abscesses. It is important when sebaceous cysts are surgically removed that the entire sac is excised to help prevent a recurrence. large cysts may reappear and may have to be surgically removed. If a cyst becomes infected, treatment may include administering antibiotics and then surgically removing the cyst.

Surgical excision of a sebaceous cyst is a simple procedure to completely remove the sac and its contents. Total excision surgical technique removes the entire cyst and so prevents recurrence. Home treatment of sebaceous (epidermal) cyst, may relieve symptoms but may not make the cyst go away. Apply warm, wet washcloths to the lump for 20 to 30 minutes, 3 to 4 times a day. Inject an inflamed but uninfected epidermoid cyst with a corticosteroid to help reduce the inflammation. To minimize scarring use a carbon dioxide laser to vaporize an epidermoid cyst on your face or other sensitive area. Avoiding excessive sun exposure and using oil-free skin care products can help prevent milia. To prevent scarring and infection, don’t try to squeeze cysts yourself.

Sebaceous Cysts Treatmen and Prevention Tips

1. Do not squeeze, scratch, drain, open (lance), or puncture the lump.

2. Keep the area clean by washing the lump and surrounding skin well with an antibacterial soap.

3. Apply warm, wet washcloths to the lump for 20 to 30 minutes, 3 to 4 times a day.

4. Avoiding excessive sun exposure and using oil-free skin care products can help prevent milia.

5. Prophylactic tetracycline or erythromycin ointment is applied once, 1 hour after delivery.

Neem Uses and Benefits

Neem needs no introduction in today's world. A very famous herb of India with worldwide fame and having magical properties known for its miraculous medicinal values ​​from past 5000 years. Neem is known as free tree of India as it is found almost everywhere in India. It is considered as a magic tree, which has properties that not only relieves but also cures from illness. Neem tree is commonly known as margosa tree in English language and Azadirachta indica in biological terms. It is part of every Indian home due to its great application and hence is considered as a place of worship.

Margosa tree attains a maximum height of 40 to 50 fts. It is an evergreen tree whose branches spread all over. It is a very densely crowned tree, which may reach to a diameter of 30 to 40 fts. The trunk is relatively straight. Bark is thick and rough with whitish to reddish brown in appearance. A fluid called neera excrudes out of the bark. Leaves are pinnate 12 to 15 inch long with about 20 to 31 green colored leaflets, which are about 3 to 5 cm in length. Flowers are small and white in colour that blossom in spring ie February to march. Fruits are oval in appearance green in colour, when in raw form and turns pale yellow when it ripes. Every fruit contains one seed, which contain oil. Neem tree fruits in summers ie in May to July. Neem has been used as pesticide since early ages because of its remarkable property of fighting away with pest and microorganism, that are supposed to be harmful for agricultural and homely purpose and hence makes neem the most wonderful partner of human in his evolution.

Margosa tree possesses the sheet (cold) virya potency. It contains tickt and kashaya rasa, it possesses the laghu (light) gunna (property). Combination of these makes neem a unique herb. Due to tickt rasa it suppresses kapha and due to sheet virya potency it suppresses pitta dosha. Chemically neem contains complex compounds called triterpenes, limonoids, nonterpenoids, hexanortriterpenoids, and pentattriterpenoids. The most important active ingredient of neem is azadirachitin, which makes neem possess the power, what it projects in its usage. Every part of the plant is used ie flower, leaves, bark, seed, oil, branches and the excludant called neera, which flows out of the bark

Neem is a multipurpose herb, which is recommended in every type of ailment. Following are the wonders of neem, which ayurveda has to offer to this world and modern life style of living.

Local action

· Neem act as anti bacterial, anti parasitic, anti fungal, anti protozoal and anti viral thus helps in protection from all the microorganisms, which are always ready to invade in our body causing serious ailments.

· Local application of neem powder or neem oil has miraculous results. As it is a famous anti microbial herb, it renders all the microorganisms inactive therefore helping in proper healing of wound without causing any infections and septic conditions.

· Taking bath of neem leaves water is a very common sight in Indian homes that helps our body to counter mild infections, which our body might get in day-to-day activity.

· Its tropical application makes us relieved from acne, eczema and even ringworms

· In skin related diseases, neem works as blessing of God on mankind. It has an action on almost every kind of skin disease thus making its indication in eradicating every kind of itch, rash, infection and allergy.

· Neem water is extensively used in burn injuries, thus to protect them from any kind of infection and also promote healing.

· Neem oil is extensively used in hair fall and early graying of hairs with very satisfying results. It also find its application in dandruff and in lice growth.

· Its local application on arthritic conditions like rheumatoid arthritis, gout, Osteoarthritis, lower back pain, and musculo skeletal pains is highly recommended with good results.

Internal action

· Due to presence of tickt rasa it is beneficial in indigestion, constipation and restoring taste of mouth.

· It helps in fighting with the intestinal worms there by act as a deworming agent.

· It is highly recommended in hyperacidity and epigastric pain as it suppresses pitta that is the main culprit in the aggravation of such illness.

· Good results have also been seen in gastritis

· Widely and extensively used as blood purifier as it possess the properties like tickt rasa which helps in detoxifying any toxins floating in our blood stream which may lead to illness.

· It gives wonderful results in diabetes incipidus and diabetes mellitus due to presence of tickt rasa.

· It is very helpful in curing urinary tract infection

· It stimulates liver for proper functioning therefore helps in maintaining proper secretions of liver

· It acts on all kinds of skin disorders and provides great relief.

· It works as an anti inflammatory and pain relieving agent

· It also helps in suppressing extra heat generated in body due to any reason thus helps in maintaing normal condition in hyperthermia. Very useful in suppressing fever.

· Anti malarial action of neem has also been seen

· Since old times neem leaves have been used as an agent that helps in increasing vision as it helps in suppressing kapha disorders thus releasing congestion on eyeballs caused due to mucus accumulation in sinuses.

· Coughing is relieved by use of neem water

· It helps in reducing excess micturation

· It has given very good results in diseases like gonorrhea and syphilis

· It works as an immunoboosting agent therefore making our immune system very strong and efficient to fight against any foreign invasion making our body strong and disease free

More about Know View Neem Neem Uses and Benefits: Acne, Eczema, Skin Diseases, Natural Blood Purifier, Capsules..Fresh Herbs Neem from Himalaya by vBulletin® visiting

Are You Taking The Most Effective Psoriatic Arthritis Treatment?

Psoriatic arthritis treatment can help in relieving pain, reducing swelling, help maintain joint mobility and even prevent further joint damage. The type of treatment recommended by doctors is usually based on the type of psoriatic arthritis, the severity of the condition and the person’s reaction to treatment.

With appropriate early diagnosis and psoriatic arthritis treatment something can be done to slow down the disease and try to preserve the health of the joints. Severe forms of the disease may be characterized by an early young age onset, multiple joints being affected and the spine also involved. Adequate management of the skin part of the disease may be helpful in overall management of psoriatic arthritis. There are some psoriatic arthritis treatments able to treat both psoriasis and the arthritis component.

Mild psoriatic arthritis is said to only affect one to two joints and is localized in nature. People with this condition may have long periods of no symptoms at all. This type of psoriatic arthritis will have less deformity and less chance of disability in the long term.

If a person is suffering from three or more affected joints then they have a increased probability of joint destruction and disability. Usually anti-inflammatory drugs are the choice of psoriatic arthritis treatment option, but if this is non responsive a stronger medication may be needed. Some people may require surgery and then rehabilitation.

The psoriatic arthritis treatment for problems of joint pain, inflammation and stiffness are usually dealt with by nonsteroidal anti-inflammatory drugs (NSAIDs), which can be over the counter medication such as aspirin and ibuprofen and other various prescription medication. Aspirin can be helpful in the reduction of pain, swelling and stiffness. Both prescription and non prescription NSAIDs can offer relief for psoriatic arthritis with easing pain, swelling and morning stiffness and helping the movement of joints. These drugs can play a role in decreasing the restrictions of daily activity often caused by arthritis.

With prolonged use of some types of NSAIDs there is a chance of stomach issues like ulcers and gastrointestinal bleeding. The probability is in relation to the strength of the medication and length of time it is used. There are NSAIDs called COX-2 inhibitors that have been shown to cause less stomach issues than other types. Although equally effective for pain and inflammation they do cost more and they have their individual associated risks. If you are interested chat with your doctor. Disease modifying antirheumatic drugs (DMARDs) are used for psoriatic arthritis treatment of more severe symptoms with the aim of slowing or stopping joint and tissue damage and the overall progression.

Systemic medications are prescription drugs that work throughout the body for psoriatic arthritis treatment. Usually reserved for people suffering moderate to severe psoriasis and psoriatic arthritis. Systemic medications are also used for those people that are unable or unresponsive to topical medications or UV light therapy. These drugs are usually taken orally in liquid or pill form or by injection.

Diabetic Retinopathy – New Drug Treatments For Diabetic Macular Edema

There are new treatments for the treatment of diabetic macular edema. The standard treatment using retinal laser treatment may become obsolete in the near future. New standards and technology utilizing intraocular injections and sustained release drug delivery will replace the old standard.

What is Diabetic Macular Edema?

Diabetic macular edema is the most common "complication" of diabetic retinopathy. Since almost all patients with diabetes ever obtain some degree of diabetic retinopathy in their lifetime, this is the most common manifestation of the disease.

Diabetic macular edema occurs when the normal retinal blood vessels become leaky. The fluid component of blood leaks out of the retinal blood vessels into the surrounding tissue. If the leakage occurs in the macula, the condition is called macular edema, or, diabetic macular edema.

Symptoms of "DME"

Symptoms of "DME" include slight blurring of the vision to significant vision loss, but never complete blindness. Patients can become legally blind from diabetic macular edema. It is fair to say that with more fluid accumulation, the worse the vision.

Treatment of Macular Edema

Traditionally, laser treatment for diabetic macular edema was performed in an attempt to reduce the amount of fluid accumulation, or, at least, prevent further swelling. Having said that, not all patients were great candidates for laser treatment, some responding better than others.

Maintaining status quo, that is, preventing further vision loss has always been "success."

Newer Treatments

Over the past few years, intraocular injections of steroids have proven to be very successful in achieving this condition. In fact, many patients that did not initially improve with laser treatment were able to benefit from these injections.

A small amount of steroid is injected into the eye, just to the side of the cornea. The shots are painless and well tolerated. The injected steroid may last for several weeks, yet the effects may last for months or longer.

More recently, sustained release drug delivery systems have started to emerge for the treatment of various retinal conditions. Ozurdex (Allergan) was first FDA approved for the treatment of retinal vein occlusions in the summer of 2009.

While Ozurdex also releases a steroid, it is not indicated for the treatment of diabetic retinopathy. (While it would not be wrong for a doctor to use this for treating a diabetic patient, it does mean that it would not be covered by insurance.)

In the next few months, it is anticipated that a new sustained delivery device, Iluvien (pSivida / Alimera Sciences), will be FDA approved, but this time, for the treatment of diabetic macular edema!

This will be the first drug approved specifically for diabetic macular edema and also utilizing the latest in technology for this novel application.

What Does This Mean? It is very exciting to introduce newer, and better, methods to treat disease. As a retina specialist, it will be very exciting to have another treatment in our arsenal for diabetic retinopathy .

The era of sustained release medicines for the eye is just starting. More specifically, this means that very low doses of medication, steroids, will be released for months inside the eye. The medicine has been delivered to its target and will release drug for months at a time or longer.

The early data for Iluvien is quite impressive. The drug may be FDA approved later this year. The manufacturers of Ozurdex are experiencing that it, too, will have an application for diabetic retinopathy.

The advent of sustained release delivery promises to aid us in saving vision from a very common problem … diabetes.

Is There A Cure For Toe Nail Fungus

Is there a cure for toe nail fungus? Nail fungus can affect you at any time during your life. As a matter of fact it has affected over 30 million people in the United States alone. Although it is not a life threatening disease, it is an ugly sight to see. The fungus can cause your toe nail or finger nail to become badly damaged if it is not treated soon enough.

A few people seem to think it is for their own good if they go to see their Doctor about their fungus problem, but taking medication can be just as dangerous as not treating the fungus, because the medication may have cause some other side affects and even their visit to the Doctor will be expensive. In other words, they will have to pay to see the Doctor and pay for the medication. But, there are a few people who decide to try toe nail fungus remedies for the fungus under their nails.

Here some ways for you to prevent toe nail fungus:

1. Keep your feet dry, avoid constant moisture

2. Avoid nonporous, closed shoes made of synthetic materials

3. Wear absorbent socks, preferably cotton or wool

4. Wear water-proof sandals when public showers

Also, after showering or swimming, dry your feet completely with a clean towel. Keep your nails cut short. Be sure to wash you hands with soap and hot water after touching your own nail fungus or someone else who has nail fungus.

One of the best ways to cure your toe nail fungus is by using a mixture of tea tree oil and lavender oil, make sure you spread it on and around the nail bed of the infected area. This may not work as fast as medication, but at least you will not have to worry about any side affect. Also you may want to try a toenail fungus remover product that has been proven to work.

70 Romantic Phrases That Make Men Fall Deeper In Love

Romantic communication is just one of the proven communication tools you can use to make your man fall madly in love and fulfill your heart’s romantic desires. There is a lot of love-creating power in the romantic words that come out of your mouth. This article will reveals 70 romantic phrases you can start using today to make your man fall madly in

love. You may not say these things phrased exactly the way I have written them, but if you want your man to be addicted to your love, you must speak to him with words that will melt the walls he has build around his heart.

Feel free to use any of the romantic phrases that best suit your communication style.

1. All I care about is being with you forever.

2. All the gold and diamond in the world are not enough to buy the love I have for you.

3. God created you for just for me.

4. I am addicted to your love.

5. I am crazy about you.

6. I cannot live without you.

7. I cannot stop thinking about you.

8. I did not mean to hurt your feelings.

9. I do not want to wake up from this wonderful dream with you.

10. I feel safe when I am with you.

11. I get lost in ecstasy when you make love to me.

12. I have finally discovered true love – you.

13. I love talking to you.

14. I love the way you make love to me.

15. I miss your hugs and kisses when we are apart.

16. I thank God for the day he brought you into my life.

17. I want to spend forever with you.

18. I will give anything to be with you.

19. I will give you my heart, my body, and my soul.

20. I will go with you to the ends of the world as long as you keep loving me.

21. I will rather be broke than trade your love for a million dollars.

22. I will travel a thousand miles to be with you.

23. I wish God had brought you to me sooner.

24. If anything happens to you, I will go crazy.

25. If I could I would make love to you a thousand times.

26. If I had to live life over again, I would live it with you.

27. If loving you is a sin, then let me be guilty.

28. If our love is blind, then I never want it to see the light of day.

29. Life without you will be like going to sleep and never having sweet dreams.

30. Loving you feels like heaven.

31. Loving you has made life even sweeter.

32. Loving you has made my life so full of joy and happiness.

33. My heart cries when we are apart.

34. You are my love, my heart, and my life.

35. No man has loved me the way you love me.

36. Nothing will ever stop me from loving you.

37. Ooh sweetie, you are so good to me.

38. Your warm hugs and your tender kisses are more precious than gold.

39. Talking to you is like sipping the most delicious wine – I want it to last forever.

40. The times we spend together are like precious gems that money cannot buy.

41. Time stops when you hold me in your arms.

42. When I am with you, my troubles seem to melt away.

43. When I look at you I see a man that I find irresistible.

44. Words are not enough to express how much I love you.

45. You are my prince.

46. You are my soul mate.

47. You are the most important person in my life.

48. You are the music that makes my heart sing.

49. You are the only man I ever want in my life.

50. You are the other half that makes me feel whole.

51. You are the perfect man for me.

52. You are the sweetest man I know.

53. You bring nothing but love, peace, joy, and happiness to my soul.

54. You bring so much joy and happiness to my life.

55. You love me gently.

56. You make me feel like a woman.

57. You make me feel so good I want to kiss you from your head to your toe.

58. You make me want you more each day.

59. You treat me like a princess and I love you with all my heart.

60. Your are the kindest man I know.

61. Your caring words touch the deepest part of me.

62. Your hugs and kisses melt my heart like chocolate ice cream on a warm summer day.

63. Your kisses are like warm chocolate on a cold winter night.

64. Your kisses are so good I feel tingles all over.

65. Your love is like a solid rock that will never break.

66. Your love is so good I can’t get away even if I wanted to.

67. Your love warms my heart like the glow of a candle light in a midsummer night’s dream.

68. Your loving whispers in a moon-lit night are like soothing wine, they put me in the mood.

69. Your smile is so comforting it makes my tears go away.

70. Your gentle touch sends chills up and down my spine.

Life without endearing words is like being in a garden without flowers. Endearing words create a feeling that transcends our reality and makes life worth living.

Feel free to to share this article with all your friends.