Archive for April, 2017

The Basics of Senior Home Care

The Basics of Senior Home Care

With a large aging population in descending health, many children and family members are seeking information and services for senior home care. Rather than moving parents or loved ones to a nursing home or residential facility, home care brings health care professionals into a comfortable and familiar environment, increasing independence for the senior and allowing them to remain in their own setting. The term "home care" often refers to non-licensed medical professionals, although in some cases nurses or physical therapists are involved in the treatment plan.

What services are provided by home health care professionals?

As the goal is independence, familiarity and comfort, keeping an elderly relative in their own home is critical. In home care can provide a longer, more comfortable, stay at home for aging parents and loved ones. Service professionals providing home care include:

Transportation: Driving can become increasingly difficult and balancing daily commitments such as church, friends or doctors appointments, impossible. Seniors can utilize taxi or bus services, although there are alternatives in the local community that may be free or at a nominal charge. Medical insurance may cover or partially cover the cost of transportation to and from doctor appointments for seniors. Keep in mind that familiarity is important for both the elderly person and the driver as it ensures that the patient's needs are met each and every time.

Meals: Nutritious, delicious food production and kitchen cleanup can become an increasingly difficult task for geriatric relatives. In addition to meals, delivery people offer companionship and regular contact with the patient.Professional delivery companies often train their staff to watch for caring conditions, changes of mood or medical needs.

Home Construction: As needs change for an elderly person, they may need alterations within their home environment, such as lowered cabinets, non-slip flooring or updated bathroom fixtures. Consideration of the cost of long-term, in-care treatment should be taken when faced with the cost of assisting an elderly person to remain in their home.

Licensed Medical Care: Family members may wish to provide regular medical treatment by qualified, licensed professions in the home. This provides comfort for the patient and also regular updates for family members.

Prevention Services: Fall prevention is playing an increasingly important role on this. As cost hospital stays can result from a fall, a professional familiar with common causes of falls can provide guidance in altering a home environment. These may include updating shower fixtures, widening doorways or installing ramps.

How can I find the best home care professionals?

For comprehensive services, eldercare agencies are an excellent option. In addition, community groups, religious groups and local government agencies can provide resources and qualified senior care services.

How will we pay for these services?

Insurance companies that cater to geriatric care, such as Medicare or Medicaid, often cover all or part of in-home care.For specific senior home care advice, consult a professional, qualified insurance agent.



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Top 17 Selling Words of the Sales Process to Improve Insurance Sales Letters' Response

Any sales process can be improved by using the 17 top selling words. In insurance, add in selling words of this magnitude will improve the insurance sales letters response. Find out what these top selling words are, and the sales process to implement them.

Sales process tip: There are 4 types of words to use in your insurance sales letter offer. Three types are the type that spice up and entice your prospect to read on. These are motivational and inspirational adjectives, adverbs, and verbs. The remaining category is limited to only 17 words. These are the top selling words.

"ITS NOT WHAT YOU SAY BUT HOW YOU SAY IT." Has value. It is WHAT WORDS YOU PICK that makes sales.

In selling insurance you must master the sales process of using the top selling words. If not, you will be among the nearly 600,000 sales rookies dropping out of this year, never getting the opportunity to make sales a rewarding career. Using the correct sales process provides the insurance sales person a gigantic advantage. You will not only save lots of prospecting and useless presentation time, but it will automatically save you money. Using the correct selling words in your insurance sales letters will increase your mailing response lead rates. This proven sales process will make your sales leap upward. More prospects means more presentations, meaning more selling resulting from your insurance sales letters response.

THE TOP 17 SELLING WORDS

Chances are that your agent sales manager in 5 minutes could guess 25 and hit maybe 8 of the top selling words. In fact when you are done reading this article, test your manager. Next check two additional places. First examine the company produced sales script you had to learn word for word. Underline any that appear, and how many. Last grab that fat presentation book you put together and do the same.Did you ever wonder why the rookies in your office always outnumber the career agents? That is because the company will not implement this key sales process technique.

HERE ARE THE FIRST FIVE . The most important word by far of the top selling words is YOU. That is why you want your sales piece and presentation to always sound like you and your prospect are having a conversation. You want the prospect to read, "How you will benefit." The next one is MONEY. Money talks! Most of your prospects wish they made more money or a product that either earned them money or one that in a bad situation saved them from spending money. The last 3 of this first group are SAFE, RESULTS, and LOVE ..

NOW THE NEXT FIVE . This group starts with EASY. You have very few insurance prospects that want to buy something that is hard to use. The easy to use concept in describing your product creates instant attention. The next top selling word revealed is HEALTH. You can not buy health, but prospects will buy enough products to improve or protect their current health. Using the word FREE is one of my favorites. Because each of your sales could be worth quite a bit, you in turn should start being more Free. Surely there is something Free your prospect can receive for responding. Your sales process of writing insurance letters should always use the master of attention grabbing words, FREE. Oh do not forget these two words, PROVEN and MORE.

THE FINAL SEVEN WORDS. These 7 key words round out the last of my 17 favorite top selling words. Start with the word YES. In selling you must check both your sales lead piece and your presentation. Make sure there is not one single question that can logically be answered "no" or "I do not know" You sure want your doctor to answer your questions that way. Until you can get yes answers for sure, ask an opinion choice of which is preferable is a lot safer. The other eight selling words are: GUARANTEE, NEW, HOW TO, MORE, SOLUTION, BENEFIT, AND QUICK.

WRITE DOWN THISE 17 WORDS. Now tape them to the side of your computer. Using your word processing computer program write a four line sales conversation using as many as possible. Stop at the end of 10 minutes and count how many you placed in you paragraph. The magic number should be 10. Take a chunk of your personal presentation and replace it with a natural flow paragraph containing 10 top selling words.

YOUR INSURANCE SALES LETTER RESPONSE. Try another tested sales process. Collect the next 10 advertising postcards that you receive. On each one write at the bottom how many top selling words are contained. Next compare the one with the most, with the one with the least. Which would you be most inclined to respond to? Finally check your current sales letter and see how changing a few words to the 17 here can change your response and your sales career.



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The Basics of Senior Home Care

The Basics of Senior Home Care

With a large aging population in descending health, many children and family members are seeking information and services for senior home care. Rather than moving parents or loved ones to a nursing home or residential facility, home care brings health care professionals into a comfortable and familiar environment, increasing independence for the senior and allowing them to remain in their own setting. The term "home care" often refers to non-licensed medical professionals, although in some cases nurses or physical therapists are involved in the treatment plan.

What services are provided by home health care professionals?

As the goal is independence, familiarity and comfort, keeping an elderly relative in their own home is critical. In home care can provide a longer, more comfortable, stay at home for aging parents and loved ones. Service professionals providing home care include:

Transportation: Driving can become increasingly difficult and balancing daily commitments such as church, friends or doctors appointments, impossible. Seniors can utilize taxi or bus services, although there are alternatives in the local community that may be free or at a nominal charge. Medical insurance may cover or partially cover the cost of transportation to and from doctor appointments for seniors. Keep in mind that familiarity is important for both the elderly person and the driver as it ensures that the patient's needs are met each and every time.

Meals: Nutritious, delicious food production and kitchen cleanup can become an increasingly difficult task for geriatric relatives. In addition to meals, delivery people offer companionship and regular contact with the patient.Professional delivery companies often train their staff to watch for caring conditions, changes of mood or medical needs.

Home Construction: As needs change for an elderly person, they may need alterations within their home environment, such as lowered cabinets, non-slip flooring or updated bathroom fixtures. Consideration of the cost of long-term, in-care treatment should be taken when faced with the cost of assisting an elderly person to remain in their home.

Licensed Medical Care: Family members may wish to provide regular medical treatment by qualified, licensed professions in the home. This provides comfort for the patient and also regular updates for family members.

Prevention Services: Fall prevention is playing an increasingly important role on this. As cost hospital stays can result from a fall, a professional familiar with common causes of falls can provide guidance in altering a home environment. These may include updating shower fixtures, widening doorways or installing ramps.

How can I find the best home care professionals?

For comprehensive services, eldercare agencies are an excellent option. In addition, community groups, religious groups and local government agencies can provide resources and qualified senior care services.

How will we pay for these services?

Insurance companies that cater to geriatric care, such as Medicare or Medicaid, often cover all or part of in-home care.For specific senior home care advice, consult a professional, qualified insurance agent.



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Dentistry’s Holy Grail: Human Teeth Regeneration

Dentistry’s Holy Grail: Human Teeth Regeneration

Photo by: Becky Phan / Unsplash

Echoes of Kennedy’s Moon Shot

In 2006, a group of scientists, with a bold ambitious plan, and modeled after President Kennedy’s manned lunar mission program, began laying out the foundations for Dentistry’s Holy Grail: whole human teeth regeneration. Like the NASA space program, the scientists come from a variety of backgrounds and implementing stem cell and engineering biology to tackle the enormous complexity of ontogenesis. Some of the processes involved include: bioreactor reactor grafting, regenerated cap-stage tooth organ, organogenesis inducement, and stem cell odontogenic signaling. The scientists envision a 10 year plan, with a target date of 2017.

The Benefits

Not only would this regenerative procedure make a superior alternative to wearing dentures, but also offer an alternative to the currently popular synthetic dental implants. It would replicate a natural tooth in every way, including full immune system involvement, neural excitement, systematic capillary development, and trauma self-repair.

The Progressive Steps

It is believed that a cap stage regenerated tooth should be realized in 2011, followed by animal trials in 2012, human trials in 2014, clinician training in 2015, and finally released to clinical practice by 2017. The cap-stage implant progressive steps would be as follows

1: Adult stem cell harvesting

2: Cellular culture expansion

3: Scaffold cell seeding

4: Cellular signaling to induce odontogenic tissue

5: Ontogenesis gene expression profiling

6: Repeating the above steps to conclude cap-stage cellular expressed gene associated ontogenesis.

Conclusion

Ontogenesis and the technology to grow replacement teeth, would mean the end of life long suffering for denture wearers. Living teeth would be superior and far more preferable to dentures, in the fact that they are responsive to human bites, as well as promoting optimal health for surrounding teeth and gums. In Japan and other countries, successful animal trials on mice with full root development have set the stage for human trials in the very near future, and the prospect for yet, another shining epic achievement for the field of regenerative medicine.



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Quality Car Insurance For Less — Things To Do If You Really Want It

Quality Car Insurance For Less — Things To Do If You Really Want It

Photo by: Aaron Burden / Unsplash

Do you want quality car insurance for less? Then you’ll do well to take note of, and implement, the following time-tested tips…

1. Choose a car that has features like alarm system, anti-lock brakes, daytime running lights and any other safety or security feature. Let your insurer know you have such in place. Because they will make you and your vehicle safer they are considered better risks by insurers. Doing these will help you obtain low cost car insurance.

2. It is profitable to be loyal to the same insurance company. You will attract discounts of up to 5% if you maintain a policy with the same insurance company for up to 3 years. The longer you stay with the same insurer, the more the discount you are likely to be given.

3. Do you know of every discount that your insurance carrier offers? Your agent may, by commission or omission, not tell you about some discounts that are available to you. You’ll lower the probability of this happening to you if you make it a point of duty to ask your agent seriously to tell you about every discount that is available. You might get a really pleasant surprise!

4. You will reduce your rate if you have an outstanding credit rating. A poor credit history will cost you in higher rates. The simple reason for this is that there’s a general consensus among many insurance carriers that there’s a correlation between poor credit histories and high risks. This assumption of increased risk makes such persons attract higher rates.

5. Do you know that you could easily save hundreds of dollars by doing smart comparison shopping? Therefore, get and compare many auto insurance quotes from reputable insurance quotes sites. It’s free, quick and very easy.



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Save Money On Gas – The Octane Factor

Save Money On Gas – The Octane Factor

Photo by: Clark Young / Unsplash

With the price of gas these days (over $ 3.00 US per gallon at the time of this writing) most people
Are feeling the economic pinch and wondering what they can do to trim their gas costs. This article presents one of several ways to get as many miles per buck as possible.

When it comes to the grade of gasoline or octane rating your put in your car, "More is Better" right?
Not always. There are a number of myths surrounding the use of high octane gas.

Myth # 1 – Using high octane gas will make my car perform better.

Not exactly. If your car is "pinging" or "knocking", a higher octane gas will help or eliminate the ping and save your engine, but it does not directly add horsepower. However, it does keep your electronic ignition from retarding the timing as an "anti-knock" measure when pinging is detected.

Myth # 2 – My car will get more Miles Per Gallon by using a higher octane gas.

Since a higher octane gas does not produce more power, you will not get better gas mileage.

Myth # 3 – My engine will run cleaner and produce less emissions and smog with a higher octane gas.

Not true. Many oil companies advertising methods may lead you to believe this, but octane has nothing to do with how "clean" your engine runs.

Myth # 4 – Octane is added to gasoline to produce a higher quality fuel.

No, actually Octane is the gasoline, at least most of it. See Octane Rating below.

You can save money on gas simply by using the lowest octane rated gasoline that your car will tolerate. Using a higher octane
Gas than what the manufacture states is simply a waste of money. If you are not sure what octane your car is designed to
Use, you can start with the lowest octane gas (87 in most areas) and try it. If it pings under load, then move up to the
Next octane and only purchase the lowest octane grade that your car needs. For more information on octane, read on.

What is "Pinging" or "Knocking"?

Most of us have heard the rattling noise from under the hood, usually when the engine is under extra load like
Climbing a hill, towing a boat, or in a loaded truck. The noise itself is caused when the air fuel mixture in the
Compression chamber ignites too soon (pre-ignition or detonation). This condition causes the air fuel mixture to burn uneven and
Produces the ping or knock sound. This uneven burn causes flash points in the combustion chamber and can lead to engine damage.

What Does Octane Do?

Without getting into all the chemical properties and technical stuff, basically, octane raises the
Combustion point of gasoline when under compression and slows the burning. The result is that it makes
The gasoline less volatile so that it does not ignite before your ignition system makes it fire at the correct time.
The intent of octane is simply to provide a anti-knock property.

Octane Rating

The Octane Rating you see at the gas pump is simply a percentage of the Octane Chemical in the
Gasoline mixture. In other words, if you purchase gas with a 87 Octane rating, that mix contains 87% Octane and
The reminder is lower quality chemicals like heptane. Also see http://en.wikipedia.org/wiki/Octane_rating

What about "Octane Boost" Additives?

If your car requires a higher octane rated gas, you can use off the shelf "Octane Boosters" from your local auto parts store. The cost
And effectiveness will vary. Try one tank full with one additive to see if your can run properly on it then do the math to see
If it makes sense. Here is a cost analysis for my 1993 Mustang GT:

Example: 1 bottle of additive to boost one tank of gas costs about $ 5.00. With a 15 gallon tank this adds about $ .33 to the cost of each gallon of gas, plus the hassle of going to the auto parts to purchase it and remembering to add it at each fill up.

If you really want or need a high octane mixture, you may want to make your own.

Home Made Octane Booster

There are a number of web sites and blogs that publish the recipes or "home brew". I am not going to publish it here as I can not directly endorse the
Use or safety of doing this yourself. However, if you search for xylene or toluene octane boost recipe, you will find it out there. The chemicals
Xylene and toluene are higher "quality" and can produce a boost over 100%. The chemical Octane alone by definition, can never produce more than an
Octane rating of more than 100.

Other Ping Solutions

If your car continues to ping or knock even though you are using a octane gas rated equal to or above what your car's manufacturer specifes, this
Is an indication of engine problems that you should have your mechanic look at. There is one well known problem that you may be able to
Try to diagnose yourself and that is the case of a stuck or failed EGR valve. It is beyond the scope of this article to explain how to check
Your EGR valve, but it is something to look into if your car has a chronic ping problem.



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Home Insurance UK – Home Security Ensured

Home Insurance UK – Home Security Ensured

Photo by: Ken Treloar / Unsplash

One of the desires of every human is to have a home for himself. A place where he can live peacefully with his family. Away from the hustle and bustle of life. A desire that always existed but which was difficult for people to follow. After all things were pretty expensive and there were not many avenues open for help. Not any more though, for there are several financial institutions available now which are ever willing to lend money to construct homes and that too too at the friendliest conditions. No wonder people these days own a house at a much earlier stage in their life than they used to do it couple of decades earlier.

However, one must understand that purely owning a house means nothing if one does not take adequate step to protect it. And that's exactly what home insurance is, a viable option for home security. Such a service like home insurance is extremely popular around the world. Particularly in UK it sells like hot cake. No wonder then that this is one of the most sought after services in UK.

The reason for it is not difficult to understand. This, after all, protects your home from such potent threats like fire, earthquake, storm, lightning, flood, theft, burglary, riots, vandalism, fire, explosion, compliance, burst pipes, civil upheaval, water leakage, oil leakage, impact From vehicles, falling trees, air crafts etc. If, unfortunately, one's house faces some damage than it can leave a deep hole in his pocket for it is mighty expensive to get a house repaired. It is here that home insurance come for one's rescue and arrangements for the money one might need for the repair of one's dream possession.

However, like any other insurance, home insurance also needed to be approached sensibly to ensure that it provides maximum help. Firstly one must ensure that the policy comes to life as soon as it is signed, secondly one must also find out the calamities one's house is protected from, as also the fact that if the house is priced fairly. One should also ensure that there is no default on monthly premiums from his side and lastly one must also ensure that no wrong information is given to the company as it can lead to the cancellation of the policy.

If these precautions are taken then one can be rest assured that it would indeed go a long way in providing utmost security to one's house.



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Car Insurance and Yellow Automobile Interpretations For 2008

Car Insurance and Yellow Automobile Interpretations For 2008

Photo by: Crew / Unsplash

You are in love with animals which is a very good thing. Sometimes you would take your brand new puppy out for a drive in your yellow car. This year you are ready to buy a brand new pet, but you don’t know what kind of animal to buy from the pet store. Around February, kittens will catch your eye which will be just about the same color of your vehicle. Your kids hate the decision you’ve made on purchasing a yellow car, but somehow they accept it and soon adapt to every move you make.

If you haven’t noticed it yet then I will tell you. You are very sensitive inside and you may keep this to yourself for protection which is why the automobile that you drive everyday represents the daisy. The daisy is known as being fresh as water on a pouring Zephryhills river. Don’t allow things to get you down emotionally. Do as you would normally do on a normal basis, such as, taking your animals out on a ride in your Jeep or beach cruiser.

Car Insurance For Yellow Automobiles

Sunny days are a great break for you to make a move on the road in your personal opinions. Car insurance is a must for you this year because you let others move before you or you kind of follow there advice while driving your automobile. Learn not to be distracted by the outer crowd while taking your car out. There are tons of options for first time drivers on the road. There are options for those who need cheap car insurance to use. This is a must, especially for younger adults.



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The Eyes Don’t Lie – Reading People By Eye Movements

The Eyes Don’t Lie – Reading People By Eye Movements

Photo by: Laurent Perren / Unsplash

Your eyes will position themselves according to the thoughts that are in your head. By watching your eyes other people can often tell what you are thinking and if you are lying.

Professional poker players know that your eyes can be a dead giveaway. Most professional players are very good at reading body language and are keen at reading them. They also tend to wear sunglasses, ball-caps and other accessories on their faces to hide their eyes.

The behavior of the eyes is fairly predictable, someone will make eye contact with you and during the conversation they take a moment to think. For this brief moment while they access information in their brain, and their eyes will move to a predictable position. Here are what the different positions mean:

– Eyes in the Upper Right (1st person upper-left) – When someone moves their eyes up and right it means that they are accessing the visual part of their memory. In this person’s head they are visualizing objects, colors, movements, and other visual information that pertains to your conversation. If you want to see someone do this a good question to ask them is, “what color is your car?”

– Eyes to the Middle Right (1st person left) – Moving the eyes directly to the right is a sign that they are accessing the auditory part of their memory. The person could be remembering a song, the sound of a voice, or a particular noise. If you ask someone to think about the sound of their alarm clock they should look to the right.

– Eyes Down and Right (1st person down-left) – Someone that is talking to themselves or thinking about what they are about to say next will look down and to the right. Ask someone how a conversation went and they will look down and to the right.

– Eyes Up and Left (1st person up-right) – Looking up and to the left allows someone to access the visual part of their imagination. This person is constructing a picture in their head. If you ask someone to imagine a green sky with red clouds they should look up and to the left.

– Eyes to the Middle Left (1st person right) – A person looking directly to the left is constructing sounds in their head. They may be imagining what an unheard voice sounds like, or putting together a new melody. Ask someone to image the sound of a car horn underwater and they will likely look to the left.

– Eyes Down and Left (1st person down-right) – When thinking about their feelings someone will look down and left. Often when people say “I feel…” They will glance down and left, and you can know they are actually thinking about how they feel.

To detect someone that is lying it is important to understand how their eyes move normally and then take notice when the behavior of these changes. For instance your friend is telling you about his recent vacation and is looking up-right while describing the hotel and the places he visited. Suddenly his eyes move to the upper left and he tells you about this girl that he met while he was there. There is a very good chance that he is lying about the girl.

Many people have become good at lying by learning to mask the signals of a lie. If you watch their eyes, they will likely maintain eye contact while telling a lie, or will shift them away from you. Once again, notice how they were moving them when they were telling the truth and then compare this to when you think they are lying.

Knowing how read people’s eyes can be a huge asset when communicating in person. You will know instantly when someone is lying and will be able to catch them before it slips by.



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What Is The Difference Between Recreational and Commercial Fishing?

In the early era, fishing is done primarily for food consumption but nowadays, it is practiced not only for consumption but also for fun, research work, and industrial purposes. Technological advancements had made it easy to catch fish, however, there are still many people who prefer the traditional way of catching for the purpose of relaxation.

Modern day fishing is broadly categorized into recreational and commercial fishing.

Differentiating Recreational and Commercial

Recreational fishing is also known as sports fishing. This is usually done for fun and competition purposes. Using the basic method of catching, this type of fishing differs from commercial category in many ways. Fish catching in this category is usually done in lighter boats with rods, reels, hooks and baits. Lighter boats are used so as not to make disturbance for a successful catch.

Sometimes this is also done inland with the same equipment used, usually beside a lake.

What Is The Commercial or Industrial Fishing

Commercial fishing, if done on large scale, is also called an industrial fishing. This commercial type of fishing which uses equipment such as trawlers and factory ships aims to provide seafood supply for the market. Trawlers are used for commercial purposes while factory ships are used for industrial purposes.

Generally, the trawlers are equipped with nets, trawl and pot-traps. Factory ships on the other hand are large vessels with dynamic on-board facilities for immediate processing and freezing of caught seafood. These factory ships are capable of storing tons of seafood at a time. Unlike recreational fishing, commercial fishing is a serious revenue generating career for people. But it is considered as a very dangerous career line because of its high fatality rate.

The alarming rate of marine species extinction has also been attributed to this kind of industrial fishing.

What Is The Role of Government

Several non-profit organizations continuously file petition against recreational fishing as well as commercial fishing to protect other marine forms of life. Thus some government agencies were formed to monitor excessive catching of fish that can be dangerous for the existence of several marine species. Strict rules and regulations have been imposed to control catching of fish to a reasonable extent.

Like commercial fishing, recreational fishing is also subject to the intervention of the government. Government regulations make quotas, treaties and laws to control the catching of fishes otherwise the extinction of marine species will rise at an alarming rate.



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