August 2018

In Mexico, bad teeth are known as "dentes ingles", reflecting just how global our reputation for bad teeth really is.

Cosmetic dentist specialists believe that everyone has the right to a Hollywood smile. And why not? After all, who wants to play for the yellow team?

Cigarettes, red wine and coffee can play havoc on your teeth, and that's where cosmetic dentists step in. We Brits spend more money in the cosmetic industry than the nations much loved teabags, with research from the British Dental Health Foundation showing almost one in two people would now consider having treatment purely for cosmetic reasons; even the PM is sporting a new smile.

In the past a tube of stripy toothpaste and the odd trip to the dentist was enough, but the days when we relied upon the NHS to care for our teeth were washed down the plughole long ago. Today popular treatments offered by a cosmetic dentist generally include "tooth bleaching", or simple teeth whitening, enamel shaping, bonding and tooth veneers.

The boom in cosmetic dentistry is part of a general general acceptance of plastic surgery on this side of the Atlantic with a market increase of 50% in 2004 alone. And with today's junk food addicts showing no sign of cutting down on haribo it looks like the cosmetic dentist is to become a fixture of the future. A pricey one at that. Tooth whitening can cost between 300 and 1300 pounds! But you get what you pay for.

Going to the dentist for many is a test of nerves. You expect clinical rooms and eerie silence combined with an old dentist with bad breath despite his love of all things fluoride. At a modern cosmetic dentist clinic however, clients are treated to relaxed contemporary environments more familiar with up market hair salons than the traditional dentist practice.

A new smile is like a new handbag these days and you can even pop out and get one in your lunch-break. A cosmetic dentist can fill gaps, fix protruding, chipped, worn teeth, zap yellow and see no more of that gummy smile.

Source by Gillian Martin

Would you like to learn how to hypnotize someone into having sex with you? In this short article I am going to explain how you can achieve this.

You might think that it is difficult or even impossible to learn how to hypnotize someone into having sex with you, but trust me it is actually very easy once you learn how. Our minds are extremely susceptible to trance and we actually go in and out of trances all day without us even knowing.

Have you ever been driving somewhere and suddenly arrived at your destination without being able to remember how you got there? This is because your mind “zoned out” and went into a trance. Most people do this all day and if you learn how to control and take advantage of it, you can pretty much get anyone to do anything you want them to. Including have sex with you.

First step in learning how to hypnotize someone into having sex with you is to learn how to get rapport with them. Rapport can be defined as a deep connection of mutual understanding and trust between two people. After you have built this connection with a person you can then begin to use embedded commands on them.

An embedded command is a direct instruction to a person’s subconscious. It is hidden in an ordinary sentence and your subject will never know that you are commanding them. Here is an example, “Have you ever felt an instantaneous connection with someone? Like maybe as you were there looking at them and you started to listen intently”

In this example the embedded command is, “Listen intently” and you would “mark it out” by pausing before hand and slightly lowering the tone of your voice. In this sentence their person’s subconscious would hear, “Listen intently” and they would then begin concentrating far harder on what you are saying.

Just imagine all the other juicy possibilities of using embedded commands. You could probably get into some seriously exciting situations!!! What I have taught you today is only the tip of the iceberg when it comes to using covert and conversational hypnosis.

Source by David St. Claire

I can only wear gold jewelry, everything else breaks me out.” How many times did I hear that exact phrase from my mother when I was a child? Every time I would give her jewelry that was her response.

Why does everything but gold break my mother out? Is that statement even true? When I started designing jewelry over ten years ago I decided to find out. I wanted to design jewelry for my mom that she could wear without fear of a breakout. Now I am going to let you in on what I have discovered.

My mother, like many people, develops contact dermatitis when her skin comes in contact with some types of jewelry. Her dermatitis is a result of an allergic reaction to the nickel found in many types of jewelry. Nickel allergies are very common, in fact one out of every seven people are likely to suffer from a nickel allergy. More often, women tend to suffer from nickel allergies than men. Allergy treatment can help with the symptoms of a nickel allergy. Unfortunately once the allergy has developed, a person will remain sensitive to nickel for the rest of their life.

Nickel is found in many types of costume jewelry, especially those that are mass-produced. It may also be found in other everyday items like coins, zippers, eyeglass frames, and cellphones.

So why is my mom allergic to nickel, you may ask. For some reason, which science still does not understand, her body has mistaken nickel (or similar metals like cobalt) as a threat. In response to that threat, her body causes an immune response (aka allergic reaction) to get rid of the threat. This reaction causes her to breakout in an itchy rash. But others could have a more severe reaction to nickel.

Now that I knew what was causing my mother’s breakout, I set out to find out which types of jewelry did not contain nickel.

First I looked at gold jewelry. Generally speaking, yellow gold (above 14 karat) will not cause an allergic reaction. However white gold may. White gold alloys contain nickel and other “white” metals to produce its silver coloring. One out of every nine people will react to the nickel in white gold.

Another form of gold jewelry is gold filled or “GF” jewelry. Gold filled jewelry metal is created when a base metal is coated with a layer of gold. Gold filled differs from gold-plated by the amount of gold applied. The layer used in gold filled jewelry is typically 50 to 100 time thicker that the layer used to coat gold-plated products.

Next I looked at silver jewelry. For those who are nickel sensitive, fine silver and sterling silver are great choices for “white” metals.

Fine silver is by definition 99.9% pure silver. Jewelry is generally not made of fine silver because the metal is extremely soft and does not withstand normal wear and tear well.

Most silver jewelry is made using sterling silver. Sterling silver is by definition 92.5% pure silver. In most cases, the remaining 7.5% metal is copper. Copper is infused to harden the silver and make it more durable. I use this type of sterling silver in my jewelry designs it is a great metal for nickel allergic people. Sometimes you can distinguish sterling silver by a “925” mark found on the jewelry. This is common on manufactured pieces, but may not be present on artisan jewelry.

Some other metals that are considered safe for people with nickel allergies are:

Copper – Copper jewelry is generally considered pure and not mixed with nickel or nickel alloys.

Platinum – Platinum jewelry contains 95% platinum and 5% of a secondary metal typically iridium.

Titanium – Titanium jewelry is both hypoallergenic and durable. It is a highly recommended metal for those who suffer from nickel allergies.

Niobium – This is a relatively new metal in the jewelry industry. It is a rare earth metal that can be anodized (naturally coated with beautiful colors). Like titanium, this metal is recommended for nickel allergy sufferers, especially those looking for a pop of color.

Since I have given you a list of safe metals, I thought I would also give you a list of metal terms to watch out for when you are shopping for jewelry.

Fashion or costume jewelry typically has base metals that include nickel. Sometimes these metals are plated; however that plating will wear off over time exposing the skin to the base metals. If you choose a plated metal, remember that it will need to be re-plated regularly.

Some have suggested that brass may be a hypoallergenic option. However my research has suggested that brass is sometimes alloyed with small amounts of nickel or even lead to strengthen the metal.

German silver or nickel silver is a metal to stay away from where jewelry is concerned. German silver does not contain any silver. The silver refers to the silver coloration of the metal. The color is derived from a combination of nickel, zinc, lead, and tin found within the alloy.

Surgical or stainless steel – Surgical grade stainless steel is made to be in the human body. However, the steel alloy contains between eight and twelve percent nickel. I have heard varying reports about how safe this metal is for people with nickel allergies. Since the steel alloy does contain nickel, I would tend to avoid it, but some people swear by it.

If you do buy a piece of jewelry and are concerned that it may contain nickel, commercial test kits are available online. These kits contain chemicals that react in the presence of nickel.

Doing a little research can prevent a nickel allergy attack and still allow you to wear beautiful jewelry.

Source by April Williams

The field of dental insurance is growing bigger and more competitive with each passing day. Before going into the rates and limitations of these insurance plans, let us take a look into some basic aspects of dental coverage that you must be aware of.

Why Do I Need It?

At some point of life, all of us will have to undergo tooth extracts, teeth fillings, teeth whitening, or root canals. While some dental check ups are annual, other may be monthly or quarterly. You can not afford to ignore such check ups even with the escalating costs of dental care. Dental insurance offers a perfect solution in this situation by covering the costs of dental treatments.

How Do I Find The Right Insurance?

Ideally, your insurance must offer all the benefits you need and must be reasonably priced too. The best and fastest way to get the information you need is to go online and request dental insurance quotes from different companies. This method will help you get the rates offered by various companies without any kind of fee. As a result, you can apply for multiple dental coverage quotes. From the information you get, look for the lowest quote that offers you the benefits you require.

Comprehensive And Maintenance Plans – What Is The Difference?

Your dental insurance will absolutely depend on your specific dental requirements. So it is imperative to understand your needs first. For instance, if you have serious dental issues and need to consult the dentist very often, a comprehensive dental plan would be the right option for you. Although such plans incur higher premium rates, they will completely cover the costs of all your dental treatments.

On the other hand, when you do not have to visit the dentist other than for your annual check up, all you need is the maintenance dental plan. Compared to the comprehensive plan, this affordable dental insurance has lower premium rates.

What Are My Options?

There are different types of plans offered by the Washington State Dental Insurance. The major ones are:

* Indemnity plan: This insurance plan sets a yearly limit on the amount covered for dental treatments or procedures. However, this plan allows you to choose your dentist.

* Self-insurance plan: This dental insurance plan is almost similar to the indemnity plan. But it does not allow you to choose a dentist.

* Preferred provide organization: This plan limits your dental treatments to a few dentists who will provide dental treatments at lower rates.

* Closed panel plan: This dental insurance plan limits the facilities and the dentist available for dental services.

* Service plan: Certain dentists are members of non-profit organizations that provide dental services at fixed rates. Service plans allow you to consult only such dentists.

* Direct reimbursements plan: This plan has been designed for use in companies. With this plan, an employer will be able to directly compensate his employees for any dental treatments that the employees have undergone.

Remember, there are lots of dental insurance plans out there offering you the perfect combination of benefits and low premium rates. Take time to compare plans so that you do not have to sacrifice benefits for affordable rates.

Source by Wilhelmina Huang Thomas

You think about your ex all the time, and you want to get them back, because you cannot ever get them off of your mind! Now, think about this for a minute, all you ever think about is your ex?

What if there was a way to make your ex think about you, in the same way? Well, there is, and all you have to do, is use a few subconscious psychological tricks to get your ex to think about you all the time. Read on to find out how you can get your ex back….

Subliminal messaging

Subliminal messaging is one easy way to make your ex subconsciously want to think about you all of the time. The subconscious is NOT controlled by your ex, and in fact it is the part of your mind that you have no control over. But it can be influenced with the right techniques, and once something goes into the subconscious, it will always circulate around, causing one to feel a certain emotion constantly.

It is the reason why you can feel in love and really happy for a long time, and it is the same reason why you can also feel depressed all the time. Those thoughts float around and then are interpreted into your actions and feelings. Likewise, you want your ex to start feeling for you again, and missing you.

The first step – The first way to get your ex to think about you all the time, is to appear to have moved on. Once you do this, your ex will instantly be thinking that you have forgotten them. This subconsciously sends your ex the message and feeling of abandonment and fear of loss. Your ex will fear losing you, and this will begin to circulate around in your ex’s mind.

The second step – If your ex were to believe that you are dating again, he/she would instantly have old feelings revived. Your ex once had you, and you two were for each other. You were not with other people, but should your ex think that you ARE with other people, he/she will suddenly subconsciously think that they should get you back.

You see, a chain reaction starts, once they find out you are dating again, because your ex will feel jealous and envious almost instantly. This is because they will link you as being their prize possession from before, and coupled with the fear of loss, your ex will not be able to help but think about you all the time now.

To make your ex think that you are dating again, all you have to do is simply send your ex a fake text, making it look like it was meant for someone else.

What happens now

These thoughts will turn into action, as your ex will try to expel them. In order to expel the feeling your ex now has, his mind will command him to seek answers and attention once again from you. This is just a natural human nature, to seek approval from someone, when we believe their standards are higher than ours.

We learn this from a very early age, such as childhood, where we want to be accepted by our parents, teachers and friends. Likewise, if we feel as if they are not accepting us, we act out, much like how children get jealous of their siblings when a parent praises one or gives attention to one more than the other.

This works the same way for your ex, where he/she will want to have your approval again, and will become jealous that you are dating again. In the end, your ex will try and get you back, as these messages and feelings circulate and worsen for your ex, so much so that the only way to become satisfied again, would be to get you back.

Source by Russell Jackson

If you live in an area with an University nearby that has a dentistry program then you might be able to get affordable dental implant. Many dental schools offer reduced rates as students do the work. They are supervised by experienced professors. People who can not afford high cost of dental implants have gotten dental implants using this method. It is also a way to get affordable dental implant for people with no dental insurance coverage. People who have had their dental implants done at the universities are quite happy with the work as the cost works out very cheap.

However the thing about affordable dental implant is you must do your homework. Dental implants are expensive but they are an exact science and the implant dentists have to train for this and need to be experienced. So, be careful who you choose. The dental professional must be skilled at placing dental implants or be under supervision of a teacher who is skilled at placing them. A friend has this to say, "I did not go to a dental school but have a very good friend who is a Prosthodontist professor at a reputed University and teachers placement of implants as well as doing them herself and she is very good at it. " So, if you can find someone like that then nothing is better than that.

A very experienced dentist with over 25 years experience shares her thoughts on affordable dental implants: the average cost for dental implants is about 3000 dollars. However, no dental insurance pays for implants unless you can prove it was a real accident and have documents. Then your medical insurance may pay for it. Call and find out.

Dental implants costs are quite high but you need to find dentists who do good work for reasonable costs. I know my costs and it actually easier to do the restorative crown on an implant then a natural tooth. So negotiate with the dentist or shop around. Most implant dentists would take a little less then lose a case. In case of single simple dental implant an Oral Surgeon can put in an implant in less than 15 minutes. So, this is a simple, daily procedure for most dentists. $ 1,200-1,500 is fair price for this procedure.

The dentist who does the restoration simply screws in a hex-abutment and then takes several impressions. For this around $ 1,000-1,200 is more than fair. In the some areas like New York and New Jersey dentists charge anywhere from 4-6K. It's outrageous to see how much they charge. However, it keeps my practice very busy because my work is perfect and they lose the case to me as I give my patients the same service at a much lower prices. Yes, they get their affordable dental implants at my office.

Source by Vanessa Jones

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:

Source by Michael Aponte

Finding low cost dental insurance can be difficult because usually it is expensive and if you are employed then you can usually get it through your employer. Many people who are unemployed have a more difficult time finding dental insurance that fits into their budget. If you spend time searching on the internet you will be able to find low cost affordable insurance that you and your family will be able to use. It is important that you find affordable insurance but also that you get the right insurance policy so that you are covered for whatever procedures you might need.

Going to the dentist on a regular basis is important for you to have healthy teeth. If you wait to go until something hurts then this usually will cause you to have some serious problems and the cost can be very high. We all hate going to the dentist but it is important to go and keep out teeth in good shape.

Searching for cheap dental insurance online can be easy to do because of the internet it makes it easy to find a low cost dental insurance option. It is important that you get many quotes so that you can compare cost and insurance policies. Always make sure the policy will allow you to have enough coverage in case you go to the dentist and find out that you need major work done.

Remember that getting cheap insurance is not hard but you need to take advantage of searching online for the best low cost coverage you can find.

Source by Bryan Burbank

What is interventional therapy?

Interferential therapy originated in Germany and was administrated by an interventional physiotherapist originally in a physiotherapy department. In the US it was about 1960 before there were intervening physical therapists using the new modality.

What does it involve?

Interferential therapy basically involved putting 4 electrodes on the outer edges of where a patient was feeling pain. The interim current therapy consist of one "channel -2 electrodes" going off and on 4,000 times per second (referred to as PPS / Frequency / Rate / Pulses per Second). The other channel went off and on 4,001 to 4,150 PPS. The interventional therapy treatment was the crossing of the current situations within the patient which stopped the pain and also provided carryover pain relief following the treatment that was destined for some time period. In physical therapy journals there were interferential articles describing how the treatment worked and why admitted was most beneficial for chronic pain patients who were unable to find pain relief.

Often the chronic pain patient was referred to a Physical Therapist (Physiotherapist) by a physician for an "Evaluate and Treat" referral. The doctors were unaware of what the physical therapists were doing but they found that in many situations the physical therapist was able to provide pain relief when other methods had failed. The physical therapist often used a combination of hot cold interferential which was nothing more than applying warm moist heat in conjunction with interferential for immediate relief and to extend the carryover pain relief period. If the patient presented with an acute injury, less than 48 hours, then the physical therapist used cold interventional therapy employing ice to lessen the inflammation of recently injured tissues.

The reason for the warm moist heat, in conjunction with differential treatments, was the heat attributed blood, a conductor of electricity, and enhanced the ability of the relevant current to penetrate into the body tissues and target the sensory neurons. When there is more heat in an area the body rushes blood to dissipate the heat. This creates a more electrical conductive environment internally and externally the moisture from the heating pad reducing the resistance of the skin for greater penetration. The physical therapist was using the natural phenomena to aid in overcoming the resistance of the skin.

In theory the crossing of the two currents from the two independent channels would produce a "new" current that was the sum of the two crossing currents. That was theory which later had to be modified since the body and the different tissues had different abilities to store electrons before "filling up" and there was not a consistency of current distribution. However the science was correct even though the imagery was not. This "new current" was called a "vector current" and it moved around the painful areas. What was later revealed was the stimulation did indeed occur for the sensory neurons due to the crossing of the currents. The sensation was very relaxing and the effects of interventional currents were successful for pain relief.

Interferential therapy later moved to other medical disciplines and became an effective treatment for:

1. Urinary and Fecal Incontinency

2. Osteoarthritis

3. Muscle Reeducation

4. Acute Edema

5. Muscle spasm and spasticity

Circulatory stimulation

7. Abdominal Organ stimulation

8. Acceleration of general healing.

Unfortunately during the time involved was being used there was little research being done on the how and whys other than one book published in 1984 by Brenda Savage, physiotherapist, called "Interferential Therapy".

In 1987 Dr. Giovanni De Domenico came out with the literal "encyclopaedia of interventional current therapy" called, "New Dimensions in Interventional therapy." The Theoretical & Clinical Guide " .

Over the years study after interferential study has confirmed what Brenda Savage and Giovanni De Domenico pointed out decades earlier. Interventional therapy processes could produce outstanding clinical results for patients when other treatments had failed.

Interferential therapy contraindications are few,

1. Do not apply electrodes near heart if patient has a demand cardiac pacemaker

2. Do not apply electrodes over neck

3. Do not use interferential therapy on pregnant women,

Unlike tens units, transcutaneous electrical nerve stimulators, prior to January 2009 interferential units were not portable so any contraindication of sleepiness due to muscle relaxation was not hazardous since the patient had to be in a clinic or hospital to receive an interventional treatment. It was not unusual for a patient to fall sleep during an interim treatment and have to be awakened upon completion by the clinician.

Today with the advent of at home, self treat, with a portable device the additional warning is to not operate an automobile or operate machinery when underferential treatment. Today, along the physical therapy intervention office, the chiropractic clinic often uses interventional therapy as a complementary therapy to spinal manipulation and the Doctor of Chiropractic has become well versed in using interferential for pain relief.

The biggest problem with interventional therapy historically has been one had to get an appointment and go to a clinic for treatment. Today that is not the case and the ability to self treat has turned the tide on preventing pain, rather than treating pain.

Probably the principal advantage to the patient is today with self treatment interferential options, the residual or carryover pain relief seems to be extending from self treatment to self treatment and new parameters of health care are emerging due to the new portable modality ..

In conclusion, even though the exact mechanisms of why interventional therapy worked were not known, the benefits were solid and the use of interim proceedings for pain and other health issues has prospered. Interferential currents have helped many patients in clinics and now can help outside the clinic in the home setting. New knowledge is emerging as the results of preventing pain with self treatment is changing the understanding of concurrent current therapy.

Source by Bob G Johnson

Progress in medicine is heavily dependent on research, especially well designed and executed clinical studies, and also to discoveries and innovations made by doctors using FDA approved drugs and therapies (and in some instances supplements, e.g., herbs, vitamins, amino acids, etc.) in novel ways and combinations in treating patients (“In-office tinkering” or experimentation, one might say). So long as what a doctor is using does not constitute a “new drug” by FDA criteria and does not violate agency rules that govern new devices or such, what the doctor is doing is considered the practice of medicine and is governed solely by his or her state medical board.

If a doctor were to treat ulcer patients using a combination of an approved drug such as cimetidine (Tagamet) and an herbal ulcer product such deglycyrrhizinated (DGL) licorice, this would fall under the practice of medicine and represent a form of low risk medical experimentation that most state medical boards allow provided informed consent requirements have been met, i.e., the patient has been told about known and suspected risks, side effects, or complications (Higher risk forms of experimentation might require the treatment regimen or protocol be approval by an Investigational Review Board aka as an ethical review board). If this particular combination happened to heal up ulcers better and surer than the drug alone then this would represent an innovation of the sort that propels medicine forward. If on-the-other-hand a doctor wanted to try a drug for advanced cancer approved in the EU but not in the US, he would have to comply with FDA rules and procedures concerning new drugs. He might, for instance, get be able to get permission to use the drug by filing an emergency IND (Investigational New Drug) application and having this reviewed by FDA officials. If they felt the risk v. benefits favored use in this instance, they would grant the doctor a new drug (IND) permit for the one-time use of the anticancer drug in question.

But what if a doctor wanted to use stem cells from a patient’s own body to treat his arthritic knees and bad back? Given the fact there is no risk of rejection, would the FDA take issue with a doctor taking a patient’s own fat or bone marrow stem cells and treating his bad knees and back?

The answer depends on what is done with the stem cells and how they are administered.

If a doctor wants to take a patient’s bone marrow stem cells and then culture them and increase their numbers or otherwise process them in ways that would substantially alter their form or function, this would constitute a new drug according to the FDA and would have to meet their body of regulations that govern biologics and how they are produced, processed and tested. If a doctor plans on harvesting stem cell rich bone marrow from a patient, doing very little to it (minimal processing or “manipulation” in FDA parlance) and then promptly administer it to her this does not constitute a new drug and thus does not fall under the FDA’s jurisdiction or purview.

Currently there are a handful of clinics here in the US treating patients with their own “minimally manipulated” stem cell rich fat or bone marrow tissue. Some are focused on treating orthopedic issues such arthritic joints, others on cosmetic procedures such as face lifts and breast reconstruction, and a few on neurologic conditions such as stroke as well as other medical challenges.

Critics have raised questions about the safety and scientific rationale of at least some of these treatments. For instance, while bone marrow stem cells have been shown to naturally mobilize and migrate to diseased, injured or infected tissues, then engraft, many scientists and doctors question whether harvesting and infusing huge numbers of bone marrow stem cells in patients might pose an unforeseen safety risk. The doctors doing this see it as augmenting a natural process and find that potential benefits and gains outweigh risks. Case-in-point: Chronic stroke. One osteopathic doctor (See Resource Box) who has been treating stroke patients with infusions of their own minimally manipulated bone marrow stem cells for more than five (5) years now has seen no problems crop up and has documented improvements in many of those treated. Recently some preliminary small-scale studies have confirmed that treating stroke with stem cell rich bone marrow or “bone marrow aspirate” is not only safe but produces clinical benefits in some patients.

In a February 1, 2012 article in US News & World Report’s HealthDay section titled “Stem Cell Therapy Shows Promise for Stroke, Studies Say” (Patients may regain some function after treatment, preliminary research suggests), journalist Maureen Salamon discussed the results of two separate studies done in India in which stroke patients received stem cells from their own bone marrow. In one of the studies 120 moderately affected stroke patients (18 to 75 years old) were divided into two groups. Those in the stem cell or experimental group were given intravenous infusions of bone marrow stem cells harvested from their hip bones, while those in the other group did not and served as controls. Approximately 73 percent of those in the experimental group achieved “assisted independence” during the ensuing six months, while only 61 percent of the control group did. This was not statistically significant.

And in the second group “…40 patients whose stroke occurred between three and 12 months prior were also split into two groups, with half receiving stem cells, which were dissolved in saline and infused over several hours. When compared to controls, stroke patients receiving stem cell therapy showed statistically significant improvements in feeding, dressing and mobility, according to the study. On functional MRI scans, the stem cell recipients also demonstrated an increase in brain activity in regions that control movement planning and motor function.”

According to one US expert Ms. Salamon consulted, Dr. Matthew Fink, chief of the division of stroke and critical care neurology at New York-Presbyterian Hospital/Weill Cornell Medical Center, “the therapy’s safety is the only thing the two studies seemed to demonstrate.” Dr. Fink also stated that “the cells taken from study participants’ hip bones can only be characterized as “bone marrow aspirates” since the authors didn’t prove that actual stem cells were extracted.”

As you might expect, in instances in which doctors have used patient stem cells that were cultured or taken beyond “minimal manipulation” the FDA has gone on the offensive. In one well publicized and on-going case, in 2005 Colorado-based Centeno-Schultz Clinic began doing orthopedic treatments (Regenexx-C) in which patient’s own bone marrow mesenchymal stem cells were expanded in a special solution and the re-injected to treat moderate to severe joint, tendon, ligament, and bone pain. This was done as part of “IRB approved and supervised clinical studies using both same day and cultured stem cells for orthopedic injuries”, according to Chris Centeno, MD in a blog entry to the Regenexx website blog on February 6, 2012.

Following two years of treating patients who were part of the IRB approved and supervised study, Dr. Centeno and his associates felt they had sufficient evidence of efficacy to begin offering the procedure on a limited basis to its regular patients.

In 2008 the FDA sent a letter challenging the Regenexx™ procedure as constituting creation of a new drug. Dr. Centeno and his colleagues provided the FDA with numerous legal opinions declaring that what had been doing did not qualify as creation of a new drug, and invited agency representatives to meet with them to discuss the issues involved. The FDA declined Centeno’s invitation which resulted in his firm (Regenerative Sciences LLC) filing suit against the FDA first in 2008 and again in 2010; lawsuits aimed at getting the agency to present their reasoning for categorizing a patient’s own cells as “drugs” and cite their authority for this. Two years later (2010) the FDA filed suit against Regenerative Sciences LLC. According to Dr. Centeno “As part of an agreement between the parties, we state that we will only use same day procedures in the U.S. and not culture cells until a judge decides who is right in this dispute.”

In July 2011 Texas Governor Rick Perry revealed he had a longstanding back problem treated with spinal fusion surgery and injections of his own lab grown and cultured fat stem cells by his orthopedic surgeon Stanley Jones in Houston. According to an August 3, 2011 article that appeared in The Texas Tribune, a few weeks after his procedure Gov. Perry had declared in an AP (Associated Press) interview “that he felt 80 percent recovered and was swimming and using the treadmill”.

Since then Gov. Perry, Dr. Jones and other prominent Texans have actively pressed to have the Texas Medical Board pass rules that would allow and regulate as opposed to hindering use a patient’s own stem cells by Texas doctors. Various drafts have been proposed since then and are being debated at this time.

Not surprisingly the issues surrounding the Centeno lawsuits and the initiative in Texas to allow but properly regulate doctor use of a patient’s own stem cells has triggered a fierce, often contentious debate over matters such as how to maintain the latitude needed by physicians to do their own in-office informal research vs. concerns over patient safety. Some are wondering whether a court decision favoring the FDA’s decision to treat more than minimally manipulated autologous (a patient’s own) stem cells as a new drug might not result in states defying this much as seventeen of them have with respect to medical use of marijuana (Allowing and regulating at the state level what has been declared illegal at the federal).

For patients who wish to try some form of stem cell therapy the options boil down to either pursuing either what is legal or permitted, or what isn’t.

On the legally permitted side are FDA approved clinical studies they can try to get into (provided they qualify, i.e., meet inclusion criteria) plus treatments offered by private doctors who use a patient’s own stem cells that have been harvested and not more than “minimally manipulated” as part of the same procedure. They can also travel abroad to have adult (nonembryonic) stem cell therapy in a country that permits this such as Mexico, Panama, Thailand or the Cayman Islands.

On the technically illegal side are various clandestine clinics and treatment programs (plus the few well known ones in Texas) that treat with autologous stem cells that have been cultured or otherwise more than “minimally manipulated”. How many of these “underground clinics” exist and where they are located is difficult to determine for obvious reasons.

In the final analysis, many people writing and blogging about this “stem cell turf war” want medical progress that is not predicated on throwing patient safety to the wind nor so hamstrung by restrictive laws and regulations as to be driven to its knees. Such progress is contingent on physician’s being able to do in-office informal patient research. When it comes to autologous stem cells, some doctors feel the FDA has no business declaring more than minimally manipulated stem cells a drug subject to their regulation and the new drug approval process. However, until the issue is settled in the courts or through other venues, doctors who use autologous bone marrow or fat stem cells as part of their quest for and development of more effective medical treatment approaches must walk the FDA’s “minimal manipulation”/prompt use line.

Disclosure: The author serves osteopathic physician David Steenblock as a professional writer but otherwise has no connection, commercial or otherwise, to any clinic, program or individual named in this article or in The Resource Box.

Source by Dr. Anthony Payne

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