05Jul
0

BenefitsForLife

Millions of Americans have a chronic medical condition such as diabetes, high blood pressure or asthma. If you have one of these conditions, you might believe that obtaining a life insurance policy is impossible. According to this article on Nasdaq.com, chronic medical conditions may not necessarily preclude you from getting the life insurance coverage you desire.

Risks Associated with Chronic Medical Conditions

Some chronic medical conditions present a greater risk than others, which can affect the availability and pricing of life insurance policies. The chronic conditions with the greatest risk of premature death and disability as it relates to getting life insurance coverage include heart disease, obesity, pulmonary disease, diabetes and cancer, explains this article on Kiplinger.com. However, even within these guidelines, not all risks are created equally. A basal cell carcinoma type of skin cancer may not raise your risk as much as if you’ve had recurrent or metastatic colon cancer. Seasonal asthma does not affect risk in the same way as life-long asthma. Gestational diabetes is not factored in the same way as Type 2 diabetes.

Types of Insurance Policies for People with Chronic Conditions

When you have a chronic condition, you may not be eligible for the range of policies that are offered to people without these types of conditions. According to this article on Chronic Disease Preparedness, most people with a chronic medical condition are able to secure a term life insurance policy. A term life insurance policy affords you financial protection during your income-earning years while you still have dependents. Because the risk of your condition worsening with age or cutting your life short, a term life insurance policy is easier to obtain than a whole life policy. You can also look into a guaranteed issue life insurance policy, which is similar to whole life but is designed for people with chronic conditions.

Benefits of Life Insurance When You Have a Chronic Disease

Stress and worry about your financial situation or future may worsen some chronic diseases. According to this article at Cigna.com, NZ insurance companies offer life insurance policies that can bring peace of mind to those with a chronic condition. Knowing that your children, spouse and other loved ones will be provided for in the event of your passing may help reduce some of your anxiety about your condition and the future.

Affording Your Premiums

Keeping your chronic condition under control is the best way to find an affordable life insurance policy, explains this article on Jewish World Review. That may mean keeping up with preventive care, screenings, tests and staying on top of your medication. Your health insurance policy may offer you services to aid with chronic disease management. If you’re able to bundle your life insurance and health insurance policies with the same carrier, this can help you save even more on the cost of your monthly insurance premiums.

04Jul
0

Enuresis, more commonly known as bed wetting, is normal for very young children. There are two types, primary and secondary. Primary enuresis is characterized by a child over the age of five who has never gained bladder control overnight and wets the bed more than twice a month. Secondary enuresis is when a child has gained bladder control overnight for six months or more, and then begins to wet the bed again. Generally, children fall under the category of primary enuresis; however, around 25 percent suffer from secondary enuresis, according to Urology Health. Studies indicate that nocturnal enuresis may be one of the most common pediatric health issues. The percentage of five to seven year olds that suffer from the condition may be as high as 25, and twice as many boys as girls experience it through age 13. In addition, one to three percent of adolescents and adults experience a problem with bed wetting.

Symptoms

Other than the obvious symptom of bed wetting, some children have the polysymptomatic form of nocturnal enuresis. It is important to distinguish between the two in order to treat the problem correctly. The diagnosis is based on the presence or absence of an overactive bladder. Research has suggested that twice as many children present with the monosymptomatic form of nocturnal enuresis, and that the polysymptomatic form was associated with other bladder and bowel problems.

Causes

There is no single cause of nocturnal enuresis. According to ClinicalKey, factors associated with the condition are varied. Some of the factors involved are listed below.

  • Genetics

  • Deep sleep

  • Small bladder capacity

  • Maturational delay

  • Diabetes

It has been determined that genetics play a role in a child’s nocturnal enuresis; if one or both parents experienced the condition as a child, then the odds are that their child will also experience it. Some children just cannot arouse themselves from sleep to feel their bladder. In addition, a child’s bladder may be too small to hold urine throughout the night. Another factor may be that the child’s CNS (central nervous system) hasn’t developed enough to respond to a full bladder. There have been some correlations identified between nocturnal enuresis and other conditions such as diabetes. Usually, primary nocturnal enuresis is not associated with psychological issues; however, they could be a factor in secondary nocturnal enuresis.

Treatments

Treatments for this condition depend on the factors that are related to it. In many cases, treatment is not needed at all since 5 to 15 percent grow out of this condition annually. For those who need help, there are three main ways of treating the condition: enuresis alarms, behavioral therapy, and medication. Only severe cases that have not responded to other treatments and have other medical conditions need to be medicated. The most common treatment, according to Dri Sleeper, is an enuresis alarm. This is an alarm that reacts to moisture when attached to the child’s bed sheets or pajamas. In most cases, the alarm will wake the child in time to stop the urination and compete it in the toilet. Behavioral therapy in conjunction with an enuresis alarm may be beneficial.

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02Jul
0

Young boy rakes cocoa beans on a drying rack.

“Sweat shops” and child labor might seem like something that only happens in “other places,” and while that’s true it’s also prevalent in the dark underbelly of America. While most people know this issue exists, it’s easy to put it on the backburner because (of course) the victims aren’t in the media spotlight. It’s an underground operation for the most part, and out of sight out of mind comes into play.

However, there are many things you can do to stop child labor no matter where you are. It all starts with education and knowing just how big the problem is. Sharing statistics with others, offering solutions on ways to donate time or money, and simply spreading the word on social media sites can make a huge difference. Here are a few facts on child labor that might shock you.

1. Children ages 5-17 biggest targets

Around the world, there are 218 million children who are involved in child labor in some way. This might mean working 20 hours per day with little or no pay. The severity of the situation depends on each unique situation as well as the country. For example, in the US there are minor employed in “under the table gigs” in order to help support the family.

2. There are still slaves

While not all children, there are still 27 million slaves globally. There are more slaves right now than in any other time in history, and the situation is getting worse. Children are especially desirable for slavery because they’re healthy, will grow strong, and are easier to manipulate. In some places, they can also be easily bought.

3. Kids work

Overall, one of every six children around the world works in some capacity. They might not be “on the books,” but might help their mother with sewing for manufacturers or work in the fields. The lack of documentation means these numbers are probably conservative.

4. Agriculture is the biggest crop

According to the International Labor Organization, over 75 percent of child laborers work in agriculture. This is especially prevalent in rural areas where the average age to start working is between five and seven.

5. Forced labor facts

When it comes to forced labor, kids under the age of 18 make up between 40 and 50 percent of victims. Many times this is in dangerous conditions where sexual and physical violence also happens.

In order to tackle this problem, it’s going to take an army and you can be a part of it. Educate yourself, research, and sharing are the pillars to make it happen.

02Jul
0

This Independence Day, celebrate with Newcastle Brown Ale as they explore the country that could have been: Great Britain II. In “If We Won”, a 16 part series exploring hilarious and ridiculous alternate history, Elizabeth Hurley, Zachary Quinto and more give their insight into how America would be vastly different and greater. Check out Stephen Merchant as he explains the benefits we’d have as GBII. Visit http://www.ifwewon.com and http://facebook.com/newcastle for more content and hilarity.

01Jul
0

Can’t decide between the fame of being a celebrity and the respect of being a doctor? Some A-listers get the best of both worlds by having their doctorate degree but also a recognizable mug. Some of these celebs got their MD and practiced before getting famous, while others took advantage of their fame in order to fund their education. No matter how it was broached, it’s a great feat.

Here are a few of the smartest, most ambitious and driven celebrities who also go by “doctor.”

1. Graham Chapman

This British actor, comedian and writer is famous for his role in the Monty Python comedy troupe. He’s written regularly for programs on the BBC, but he led a completely different life before the entertainment industry called. He was a student of medicine at Emmanuel College (Cambridge) and then moved on to St. Bartholomew’s Medical College. Clearly his bedside manner served him well as he’s proven very successful across the pond.

2. George Miller

This Aussie director is famous for his role in Mad Max, and he took home the Academy Award for Happy Feet. Miller has also received two additional Academy Award nominations for Babe, but all these accolades came years after his first career in medicine. A student at the University of New South Wales, he won a student competition during his senior year with a one-minute video clip. He finished his residency at St. Vincent’s Hospital in Sydney and worked as a doctor for years, but that senior kismet moment had to be fulfilled.

3. Jonathan Miller

This English director of opera and theater also dabbled in acting, particularly as a television presenter. However, his first calling was medicine, and he began at St. Paul’s School in London focusing on biological sciences. Later, at the University of London, he began to get into theater (balancing both passions) and only worked in medicine for two years before making the final switch.

4. Ken Jeong

The super celebrity of Hangover and Community fame was actually a physician for several years. He attended Duke and UNC Chapel Hill with a residency at Ochsner Medical Center. Still licensed to practice in California, it’s lucky for fans that Jeong’s true passion is acting.

If you’re considering medical recruitment to get into the career of your dreams, don’t forget to make time for your other passions. After all, if there’s already a club for Dr. Celebrities, you might have what it takes to be the next member.

30Jun
0

humanresources

Did your dreams of being a million blogger, reality star or the next great American novelist not pan out? Human resources might sound a bit drab, but the reality is that it’s a lucrative career option that’s recession proof, and it’s where all the drama is. Managing resources (or in this case, people) is the perfect fit for those who are social and have a knack for conflict resolution. Of course, it’s also where all the juicy office gossip happens.

Plus, with today’s state of the art HR payroll system options at your fingertips, it lets you tap into your tech geek side, too. According to the Bureau of Labor Statistics, the average HR manager earns an average of $99,720 per year. Of course, that’s taking into account managers in rural areas where the cost of living and salary is quite low. Here are a few more reasons you might want to look into this secure and lucrative career.

1. There’s plenty of variety

Yes, some tasks might get redundant, but if you blossom at the idea of hiring (and firing) people, it means there’s always something new. Maybe it’s the thrill of finding that perfect candidate, or the relief when you’re the one getting that dead weight out of the accounting department. Plus, reading all those resumes can be great entertainment.

2. It’s home central if you’re a people person

Even with today’s open office plans, many people can spend their entire day interacting with nothing but a screen. That won’t be the case for HR managers who are constantly on the go and working with different people. If you need that interaction, HR is where you’ll find it.

3. Recessions won’t hurt your jobs

Here’s the thing about HR departments: They’re charged with firing people and laying them off, which means that (whenever possible) they won’t sacrifice their own. Even during a recession when you’re laying people off, you get the heads up on what’s coming and can rest a little easier knowing your position is relatively safe.

4. It allows for endless networking and socializing

HR departments have possibly more conferences, events and conventions than any other department. Not only is this a place for you to network and make connections, it also allows for plenty of travel and continuing education, largely on the company’s dime.

If you’re on the fence about your future career but have a penchant for all things social, take a closer look at HR.

29Jun
0

webdesign

Are you trying to promote your brand? Have you just launched your business? Consider hiring a Web design agency! This is one of the easiest and most affordable ways to establish your brand and attract new clients. Professional Web designers can create a site that reflects your values and offer you a chance to make a meaningful impact. Many agencies, including DigiTech, also specialize in SEO, social media marketing, and mobile app development. These services can help you grow your business and reach your target market.

Do You Really Need Web Design Services?

Web design services are no longer optional. If you want to build a solid online presence, you need a professional-looking website. This isn’t something you can do yourself unless you’re a Web designer or a programmer. Statistics show that over 62 percent of companies that created a website specifically for mobile had more sales. Approximately 86 percent of U.S. small business owners cite websites as their most important online marketing strategy. More than 69 percent of American marketers say that dynamic content is essential to their website.

Recent studies indicate that over 48 percent of users cited a website’s design as the primary factor in deciding the credibility of a business. About 94 percent of them said that Web design was the reason why they rejected or mistrusted a website. Researchers have also found that 67 percent of customers are more likely to buy from a site that is compatible with mobile devices.

These numbers show that Web design services are crucial for the success of your business. Whether you work in real estate, public relations, Internet marketing, or sales, you can benefit from hiring a professional Web designer. Not only will they set up a website for your business, but they will also help you deliver the best online experience to your prospects. At the end of the day, you’ll have a site or blog that loads quickly, offers quality content, and reflects your brand’s identity. The content will be optimized for search engines and will provide value to your audience.

What Can a Web Design Company Do for Your Business?

Hiring a Web design agency is one of the best things you can do for your business. The best Web designers can enhance your brand’s image on the market and help you build customer loyalty. They will create a website or blog that works as a powerful marketing tool and generates sales. This will help you reach out to customers in the shortest possible time and build a strong online presence that gives consistency to your brand’s image.

Professional Web designers have several years of expertise under their belt and know what your customers want. They can create custom layouts and page styles within the same website. You can ask them to make your site available in multiple languages, install plugins and widgets, create a logo for your business, and even promote your site online. However, not all companies provide these services. Depending on your business goals, consider hiring a Web design agency that specializes in SEO and Internet marketing too.

22Jun
0

Clock’s Ticking

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When time’s running out and everything is on the line, what do you do? Sometimes everyday situations feel like the premise for an action movie. CollegeHumor and BIC Razors have come together to add a little action to your daily grind. Check out what happens when a choice has to be made before time runs out.

21Jun
0

The elusive Ebola virus has made itself known again, this time in areas of Guinea, Liberia and Sierra Leone. With no cure and no vaccine for the disease, medical professionals are putting their own lives at risk when they care for their ill patients. While Ebola is the stuff of horror films and nightmares, medical professionals do their best to ensure that as many lives as possible are saved, while at the same time working to halt the spread of this often fatal infection.

What Is Ebola?

Ebola is a virus named after a river in Central Africa. The virus causes a severe and often deadly infection in chimpanzees, gorillas and humans. Two days to three weeks after infection, those who are infected develop symptoms such as a fever and headache. Symptoms gradually worsen as the virus interferes with the clotting of blood. Profuse vomiting and diarrhea and bleeding from orifices can result in death in up to 90 percent of those infected. According to an article on CBC News, there are five strains of this deadly virus. The strains are Bundibugyo, Ivory Coast, Reston, Sudan and Zaire. The Reston strain is not known to cause human illness, but it is deadly to primates. The other four strains can all cause human death.

How Do Doctors and Medical Professionals Fight Ebola Virus Disease?

Medical personnel are not sure what the natural host of Ebola is, which makes development of treatments or vaccinations difficult. According to this article on CNN, most Ebola patients die within 10 days of developing symptoms. Doctors and other medical staff primarily treat patients with rehydration therapy to replace lost fluids from the vomiting and diarrhea. They may also provide medications to help restore proper blood clotting.

The Guinea Outbreak

What’s unique about the current Guinea outbreak is that the patients are spread out around a wide area. In past outbreaks of Ebola, the patients were mostly located in one place or a few close villages. However, this outbreak includes Guinea’s capital city where more than 2 million people live. Since the outbreak began in March, over 560 cases of Ebola were reported to health authorities, and, of those, 350 patients have died from the infection, according to the Center for Disease Control. Early treatment has lead to a death rate of just 60 percent in this outbreak, compared to the typical 90 percent rate.

How Medical Professionals Protect Themselves

Because Ebola is transmitted from person to person through bodily fluids, medical professionals must take extreme caution in caring for their patients. Before touching patients, physicians and other staff remove their regular clothes and change into their protective gear, which includes a layers of impermeable gear. They must wear protective scrubs, gloves, face masks and goggles to avoid coming into contact with bodily fluids. The profuse diarrhea, vomiting and bleeding of patients only adds to the challenge. They are then able to enter the isolation wards where patients are housed. Supplies and linens are incinerated after use.

08Jun
0

internet

The digital era has led to the evolution of a unique online culture. Companies have gradually realized that they can key into certain demographics by using Internet jargon, memes, and jokes to connect with potential audiences.

This type of marketing is most evident in the gaming and tech industries, since they draw audiences that are likely to be immersed in digital culture. But other industries are jumping onto this bandwagon as well.

Below are four aspects of Internet culture you might want to take into account before you launch your next online marketing campaign.

1. The power of memes

Image-based platforms such as Pinterest and Tumblr have opened up new avenues for companies to connect with consumers through the use of memes. These are the viral images and gifs that you see all over social media.

The use of these infectious visuals has become so popular in digital marketing that there’s even a name for it: memejacking. Tropes such as Success Kid and the Y U No meme are instantly recognizable among certain demographics, and have been re-appropriated to send marketing messages.

Netspeak

This is the abbreviated Internet jargon that English teachers loathe. However, online jargon has been embraced by multiple generations over the course of online and text-based communications.

While marketers run the risk of alienating some audiences with online shorthand, they will still be able to communicate directly with audiences who are “in the know.” Online and SMS-based speech patterns have even evolved into their own identifiable cultures, such as jejemon in the Philippines.

Multimedia

Memes and online tropes are even easier to spread through online marketing accounts, due to the adoption of image video ads by companies such as Instagram and Facebook. Now companies can connect with their audience through viral videos instead of only text or image-based memes.

Twitter trends

Most digital marketers will tell you to keep a close eye on Twitter trends. This will give you both a micro and macro picture of what’s hot internationally and domestically.

By consulting Twitter’s location-based searches, you can find phrases and hashtags that are culturally relevant at the town, state, and national levels.

Online culture is rife with promotional opportunities for companies. An Internet-savvy digital marketing firm understands the demographics that drive these cultures and how viral memes can boost a company’s success.

Start shuffling through your folders of goofy cat images and puns, because you might find the inspiration for your next marketing campaign!

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