Saturday, November 13, 2010

Personal Health Care Insurance Quotes - How to Find Affordable Quotes

Modern day medical care can work miracles, but how can you afford it? How do you know which plan will cover you in case of emergency? Here's a few ways to help you find affordable personal health care insurance:

Personal Health Care Insurance Plans

A lot of people don't have health care benefits because it's either not provided by their employer or they're self employed. To get health insurance they have to purchase their own personal health care policy. If you fall into this category, then you should learn as much as you can about the various health care plans before buying your own policy.

There are many things which affect the cost of your health care premiums. The amount of your deductible plays a large part in determining the cost of a health insurance policy. A deductible is the amount of money you pay towards your medical costs before the insurance company begins to pay. A larger deductible will get you a lower monthly premium.

Copayments are another way to keep insurance premiums as low as possible. A copayment is a fee you pay each time you visit the doctor or hospital. A typical copay amount with a managed health care plan such as an HMO or PPO is $15 to $20 per visit. Managed care health plans offer quality medical care at reduced costs.

Personal Health Care Insurance Quotes

One of the best ways to find affordable health insurance quotes is to go to a free insurance quote website. There you can get competitive quotes from up to 5 health insurance providers so you can compare plans and prices. After you have your quotes, you can look more closely at the policies and decide which one is the best for you.

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Thursday, November 11, 2010

Cancer-Causing Ingredients in Your Cosmetics and Personal Care Products

Cosmetics make you attractive, but some of the ingredients in your cosmetics and personal care products may be killing you!

If you're like most Americans, you may be unknowingly poisoning yourself and your family everyday with the many cancer-causing ingredients in today's cosmetics, toiletries and personal care products. Makeup, shampoo, hair coloring products, baby powder (Yes, baby powder!), shaving cream, mouthwash and toothpaste are just a few of the products that contain cancer-causing ingredients.

But don't despair! In just a minute, you'll know what products to avoid and how to choose those that are safe for you and your family.

You may be asking yourself, "Why do I have to check the ingredients to see if they're safe? Doesn't the government do this?" The answer is: Well, kind of..., but not really!

The truth is the cosmetics industry is very poorly regulated. With the exception of a handful of extremely toxic chemicals, manufacturers can put almost anything in their cosmetics without testing to see if the ingredients are harmful. The Food and Drug Administration (FDA) can only make suggestions or recommendations to manufacturers about cosmetic products or their ingredients, but the manufacturers don't have to follow them.

To make matters worse, most products are labeled to "sell" rather than to provide accurate information. Words like "natural" and "hypoallergenic" (which give us a nice warm feeling about the product and persuade us to believe that a product is safe) do not have official definitions. This means the manufacturers can use them to mean anything they want and not get in trouble with the regulatory agencies. This often leads to misleading information on the label...and more sales.

Here's a rogue's list of ingredients in cosmetics, toiletries and personal care products you should avoid:

Fragrances. Each fragrance can have up to 600 different ingredients which are not required to be listed on the label. Even if you're not sensitive to fragrances, it's wise to avoid them because they often have hazardous ingredients and there's no way of knowing if they do.

Preservatives. Many preservatives contain or release formaldehyde which is a carcinogen, neurotoxin, irritant and sensitizer. These include DMDM hydantoin, Imidazolidinyl urea, Diazolidinyl urea, quaternium 15, sodium hydroxymethylglycinate and bronopol (2-bromo-2-nitropropane-1,3-diol). Other preservatives that may also cause reactions include the parabens, methylchloroisothiazolinone and methylisothiazolinone.

Talc. It may contain carcinogenic contaminants and products containing talc, including baby powder, should never be used on babies and children.

Artificial colors. Many of them cause cancer. Most of the D&C and FD&C colors are derived form coal tar, a known cancer-causing agent.

Silica. By itself, silica is not harmful, but it's often contaminated with crystalline silica which causes cancer. Manufacturers are not required to list contaminants so you'll never see it on the label.

How big of a threat are contaminants to you and your family? From 1978 to 1980, the FDA analyzed 300 cosmetic samples for carcinogenic contamination. Forty percent of the samples analyzed contained carcinogens. Things actually got worse the next time they analyzed cosmetic samples. In 1991-92, they found that 65% of the cosmetic products sampled contained carcinogenic contaminants. Most recently, in 2004, the Environmental Working Group evaluated 7,500 personal care products for safety. They found that "nearly 70% of all products contain ingredients that can be contaminated with impurities linked to cancer and other health problems."

Polysorbate 60 or 80, polyoxyethylene, polyethylene, polyethylene glycol, PEG, anything ending in "-eth," such as sodium laureth sulfate. These ingredients may be contaminated with cancer-causing 1,4-dioxane, which is easily absorbed through the skin. Again, manufacturers are not required to tell you about the contaminants.

Diethanolamine (DEA) and triethanolamine (TEA). These two ingredients are found in many cosmetic and personal care products. Even though they don't cause cancer by themselves you should avoid all products that contain them because DEA and TEA can react with nitrites to form nitrosamines which can cause cancer. The tricky thing is that nitrites can be present as a contaminant and not listed on the label. So there's no way of knowing whether or not a product with DEA or TEA ingredients is contaminated with the cancer-causing nitrosamines.

Propylene glycol and sodium lauryl sulfate. These are common ingredients in shampoos and they're both toxic. Propylene glycol is a skin irritant which causes kidney and liver damage. Sodium laurel sulfate causes genetic damage.

So what's the bottom line? Even though a great many cosmetics and personal care products are harmful, there are products that are safe and healthy to use. But you're the one who needs to know what cosmetic and personal care products you're using are safe. The way the current regulations are structured, the government simply cannot protect you. Their hands are tied. According to John Bailey, Ph.D., director of the FDA's Office of Cosmetics and Colors, "Consumers believe that 'if it's on the market, it can't hurt me,' and this belief is sometimes wrong."

Knowing how to read and interpret the ingredient label on cosmetics, toiletries and personal care products is a powerful shield. But the manufacturers are fighting back. They're designing packaging with seductive designs to make it look like their products are healthy and made from natural ingredients. Don't be fooled by the fancy packaging and persuasive words like "natural," "gentle" and "hypoallergenic." When you read the label, you'll probably find that is not the case.

As you might suspect, there are more ingredients that can harm you. But if you start avoiding products with the above ingredients, you may find that you and your family feel better and more energetic, allergic reactions may disappear, and your risk for cancer will, most definitely, be decreased.

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Wednesday, November 10, 2010

Ghosts Of Rwanda (12/12)

A history of the Rwandan genocide in which the Hutu Racial extremists the Interahamwe systematically slaughtered the Tutsi people and non-racist Hutu's. Told through documentary evidence and interviews with every major figure involved it documents the incredible brutality but also the kindness and heroism of those involved. A gruesome, grotesque and deeply powerful documentary which tells of the horrors of the events and of the reaction to mass murder by each major Western government. To turn away, to not care or to pull support from them. On a personal note I have taken the time to do this as no documentary has meant more to me than this and as Darfur rages on its message has never been more important. For information on Darfur may I recommend and urge you to read "The Death and Rape of Darfur" in the British Journal Of Criminology



http://www.youtube.com/watch?v=5-58jiPhGPw&hl=en

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Tuesday, November 9, 2010

10 Tips For Choosing the Perfect In-Home Health Care Agency

When caring for your aging parent or loved one becomes overwhelming and you need a break, or when extra help is needed with bathing, feeding, dressing, household duties or if caring for them yourself is just not possible anymore, selecting an in-home health care provider is a good alternative.

Proper screening is essential to ensure that the person you choose has, not only the skills to provide excellent care, but also the right personality for the job. Consider these tips and hints and you will find that hiring an in-home heath care provider does not have to be stressful.

1. Evaluate Your Loved One's Needs
While some older adults just need assistance with basic living skills, others have additional health care needs that require a special skill set. Therefore, it is necessary to make a list of all of the duties that an in-home health care professional will need to provide so you can narrow down the list of candidates early on. If you are hiring through an agency, give them as much information from the start so they can match you up with someone who possesses all of knowledge and capabilities to give the best care possible to your loved one.
If your home health care worker will be assisting with bathing or dressing, it is important to discuss this with your loved one to make sure that they are comfortable with the gender of the companion. Women or men may become embarrassed when opposite gendered health care workers assist them with personal care and this may cause bath time to become stressful.

2. Speak With Local Experts
Before you go to the yellow pages or check out the classifieds for home heath aids, speak with neighbors, doctors, and elder care providers locally who can give you some recommendations and advice. Find out where other families have found in-home help and have them tell you about their experience. An administrator at a local nursing home may also have some suggestions for you on where to locate the best care giver. Support groups are a wealth of information, as well.

3. Create a Job Description
When you are ready to begin speaking with applicants and conducting interviews, start by writing a job description. The job duties can serve as talking points for your interview and also give the applicants a clear picture of what will be required of them.

4. Prepare Interview Questions
If you are not experienced at conducting formal interviews, you will benefit greatly by having a prepared list of questions. It will help you stay in control of the interview, not miss any key points, and make the best use of your time. Write it all down.

5. Outline an Employment Contract
Even if the person you select comes highly recommended and you and your family really hit it off with them, make sure to remain professional. This includes having them sign a contract that outlines your expectations, their duties, as well as boundaries. You can then refer back to the contract should a situation arise in the future. Often Home Health Agencies prepare the contracts themselves. Be sure to read them carefully and add anything that you wish to be included.

6. Personally Screen Candidates
Since the person you hire will be spending time alone with your parent or loved one, it is essential that you approve them yourself. Having an agency just send someone over is not acceptable in this situation. Even if they can paint a picture of a candidate's qualifications, because the job of health care provider is so intimate, personality is equally as important. If your loved one is able to participate in the interview, that is ideal. Regardless, they should spend some time together to make sure that they click.

7. Conduct a Background Check
Do not trust your intuition. When you think that you have found the person you want to hire, do conduct a background check to make sure that the person you hire does not have a questionable past.

8. Check References
Even if this is their first job in the field of health care, every applicant should be able to provide references. Ideally, these should come from past employers. Otherwise, professors, internship supervisors, and personal references can also be used.

9. Protect Your Home and Family
Since the health care provider you hire will most likely have free access to your home, possessions, and family members, find out if they are bonded. It they are not bonded themselves, find out if the agency that you hired them from is. Remember not to leave credit cards, checkbooks and personal papers in unsecured areas.

10. Stay Involved
Your job is not over once the contract is signed and employment has begun. The more of a presence you have in your loved one's life the better. Even if you can not be there in person, scheduling telephone meetings can let the health care provider know that you are involved and on top of things. Ask for progress reports and find out if there are any difficulties. Since the health care provider is around your loved one the most, they can give you the best information about their physical health as well as their state of mind.

One way to stay involved is to use a caregiver's organizer (which we just happen to offer on our website). The Caregiver's Companion is an organizational tool that has sections for personal information, family history, medications and side effects, medical appointments, and home health care workers notes. I hate selling, but this IS a very good tool in my opinion.

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Sunday, November 7, 2010

Acquisti e regalini ELF:) (parte 2)

Ecco i miei acquistini Elf, sia della linea che non studio. Un particolare va a rosy rigraziamento che ha fatto Wed Bellissimi i regali che vi mostro in questo video: D un bacio ecco il sito generale care Elf inglese e se volet sbirciare donors:) www.eyeslipsface.co.uk Disclaimer: What the new FTC regulations introduced on 1st December 2009, any views or opinion represented in this channel are my personal views that I am responsible for them none of the above-mentioned cosmetic impliesCompanies mentioned another online shopping site. My YouTube channel contains my own opinion. This channel was not created to make money, and I'm paid by any company to express my opinion on products, unless otherwise indicated. All products were paid for with my own money and not given to me free of the Company. Comments on this channel are to take the sole responsibility of their authors and the writer's full responsibility, liability and blameNo libel or litigation that is written from something written in or as a direct result of something in a comment



http://www.youtube.com/watch?v=VkBjzZc7_oA&hl=en

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