There are 35 percent of Americans who have conditions of obestiy which gives them a higher chance of heart disease, strokes, type 2 diabetes, and other types of cancer which can lead to death. Obesity is now known as a disease, and the cure for this diease is bariatric surgery. There are different types of bariatric surgery procedures you can get which is gastric bypass, gastric banding, and a sleeve gastrectomy. Most obesity patients gets the gastric bypass. With the gastric bypass, doctors would create a pouch by stapling a portion of your stomach together. The will help limit the amount of food you will eat. Obesity patients who have had bariatric surgery within the last couple of years, researchers have found that it helped them with their high blood pressure, high cholesterol, and it helped them lose some weight.
Patients who underwent bariatric surgery it helped them reduce the risk of metabolic syndrome which is a condition that raises the risk for heart disease, the risk for strokes, and the risk for diabetes. Obesity can also give you kidney disease which can be caused from high blood pressure, and diabetes. Researches have found that most patients with obesity had symptoms of slight kidney disease coming along, but after getting bariatric surgery the kidney disease went away. So now they're testing to see if it can help cure more diabetes related conditions as far as bad eyesight and nerve problems caused by diabetes.
More studies of weight loss surgeries have also reported protective benefits against obesity related chronic diseases. Patients who underwent gastric bypass, studies found that it lowered their blood suger levels, and it reduced the amount of medication obesity patients used before they had the gastric bypass surgery done. In Cleveland, a study for five years have found that patients who got bariatric surgery done have had improvements with their high blood pressure, improvements with their cholesterol levels, and improvements with controlling their diabetes.
Experts have said that some other studies have found disease protection have been going on for ten years or longer. Do you think that everyone with obesity or a weight problem get the bariatric procedure done the surgery will give them diease protection? I think it's a no brainer and they should. People with obesity and have matabolic syndrome sould talk to their primare care doctor and discuss the benefits of getting the surgery, and have it sset up to be done. There are risks in going through the procedure, but studies found that a very small percent of the procedures may lead to some serious complications. That small percentage is outweighed by the health risks of having uncontrolled diabetes and heart disease down the line in the future.
Getting the bariatric procedure done will be the greatest risk for obesity patients lives in the long term. It will keep diabetes and heart problems in controll for a long period of time by undergoing this bariatric procedure weight loss surgery. And other studies shows that it can stop or slow down other disease complications caused by diabetes. Researchers tracked patients with diabetes after 10 years of getting the weight loss surgery and have found out that complications caused by diabetes have went away for most of them after getting the surgery to treat their obesity.Studies found that 80 percent of patients who got the surgery done, it helped them to get their blood sugar levels under controll at a of 7 percent HbA1c which is the level that most doctors recommend. Most obesity patients who got the gastric bypass surgery done have been cured from diabetes, or it helped them cut down on their diabetes medication for a long time.
Wednesday, December 8, 2010
Wednesday, November 24, 2010
Health Insurance
For each state, health insurance plans and prices are different. In New York, costs for health insurance is very expensive because companies must insure everyone no matter what their health condition is. But this is now becoming everywhere with the Affordable Healthcare Act known as Obamacare. It is now the law that everyone must have healthcare insurance, and every insurance provider must accept individuals no matter what their health conditions is. You can sign up for healthcare insurance by going to healthcare.gov website or do some more shopping and searching for policies online. Instead of just signing up for the first thing you see, it's best to do some shopping and looking around to see different prices and policies which can save you money while still getting the coverage you need.
It will depend on your income to determine what you quailfy for and how much you will be paying. It also will determine what type of plan or package your looking to get like a individual package or a family package. If you want to stick with your current doctors then go with the insurance company that your doctor has to offer. Keep in mind the things you're looking to be covered for and when speaking to a insurance agent, go over these things with them and also see what else they have to offer with their coverage. You will want to choose a company that offers the lowest premiums, great customer service, and great doctors. After making your choice, you should see what's the good and the what's the bad with your plan. Most companies offer a trial period in which you can see if you like your coverage with them or not, and if you don't you can cancel and get your money back.
The restrictions are different for each company, so make sure you go over these restrictions and understand them so that you can make sure you follow their guidelines. Most companies give you up to at least one and a half months to see how you like the service if you want to cancel and get a refund. If you are healthy and don't visit your doctor often then you should get a Health Savings Account. This is great for you if you only visit your doctor for a yearly checkup, or if you only get very sick like catching the flu or something like that once a year. This is also great if your deductible is high, but your premiums is low. The Health Savings Account works by putting the money you save each month on premiums every month in the Health Savings Account and you will be able to use this money to pay for deductibles or any other medical expenses. The money keeps building in the Health Savings Account and all the money that you didn't use out of the account you will be able to withdraw when you turn 65 years old and you can use the money on whatever you like. This could have be a way to save some money for retirement while using some of that money if you have to for medical expenses.
Most Americans get their health care through their employer plans, but even if you get health care through your employer you still have have to shop around when getting things like prescriptions because the price and co-pay can be high. When you're getting you prescription refilled you should see if they have a cheaper brand of the same medication that can save you money. You can also check around other places that carry the prescription you need incase theirs might be cheaper. Every pharmacy prices are not the same which will result in some pharmacies prices being cheaper. You should also talk to your doctor about the prices because your doctor can get the prescriptions and co-payments lower for you. Your doctor can also write you out a 90 day supply of your medication instead of the 30 day supply which will give you more for the same price.
Health insurance is great to have because you never know how your health can turn out. Also if you don't have insurance coverage and you need surgeries, medication, or need to see a doctor paying for these things out of pocket can be very expensive. This is your life you're dealing with and if you want to live then it pays to have insurance. Choosing the best healthcare plan is very important because it will determine what you are covered for, so do your shopping around and some research to find the best plan at a great price for you.
It will depend on your income to determine what you quailfy for and how much you will be paying. It also will determine what type of plan or package your looking to get like a individual package or a family package. If you want to stick with your current doctors then go with the insurance company that your doctor has to offer. Keep in mind the things you're looking to be covered for and when speaking to a insurance agent, go over these things with them and also see what else they have to offer with their coverage. You will want to choose a company that offers the lowest premiums, great customer service, and great doctors. After making your choice, you should see what's the good and the what's the bad with your plan. Most companies offer a trial period in which you can see if you like your coverage with them or not, and if you don't you can cancel and get your money back.
The restrictions are different for each company, so make sure you go over these restrictions and understand them so that you can make sure you follow their guidelines. Most companies give you up to at least one and a half months to see how you like the service if you want to cancel and get a refund. If you are healthy and don't visit your doctor often then you should get a Health Savings Account. This is great for you if you only visit your doctor for a yearly checkup, or if you only get very sick like catching the flu or something like that once a year. This is also great if your deductible is high, but your premiums is low. The Health Savings Account works by putting the money you save each month on premiums every month in the Health Savings Account and you will be able to use this money to pay for deductibles or any other medical expenses. The money keeps building in the Health Savings Account and all the money that you didn't use out of the account you will be able to withdraw when you turn 65 years old and you can use the money on whatever you like. This could have be a way to save some money for retirement while using some of that money if you have to for medical expenses.
Most Americans get their health care through their employer plans, but even if you get health care through your employer you still have have to shop around when getting things like prescriptions because the price and co-pay can be high. When you're getting you prescription refilled you should see if they have a cheaper brand of the same medication that can save you money. You can also check around other places that carry the prescription you need incase theirs might be cheaper. Every pharmacy prices are not the same which will result in some pharmacies prices being cheaper. You should also talk to your doctor about the prices because your doctor can get the prescriptions and co-payments lower for you. Your doctor can also write you out a 90 day supply of your medication instead of the 30 day supply which will give you more for the same price.
Health insurance is great to have because you never know how your health can turn out. Also if you don't have insurance coverage and you need surgeries, medication, or need to see a doctor paying for these things out of pocket can be very expensive. This is your life you're dealing with and if you want to live then it pays to have insurance. Choosing the best healthcare plan is very important because it will determine what you are covered for, so do your shopping around and some research to find the best plan at a great price for you.
Monday, November 1, 2010
Car Insurance Discounts
You can get a Car Insurance discount if you haven't had many accidents, even better if you never had a accident. That will let any insurance company know that you are a safe driver and you can qualify for a discount up to 30 percent. Another way you can prove you're a safe driver, they have devices that you can put on your car that will let the insurance company know the distance you drive, the speed you drive, and the time of day you drive. It only records those things, it doesn't invade your privacy like GPS which can tell them where you are located. You can also view this data by logging on to your account on the website and it will show you what time of day you was driving, how far you driven to, how many times you pressed the brakes hard, and how long you was driving over 80 mph. It doesn't tell if you're on a certain street and the speed limit is 30 miles per hour and you're going 40 miles per hour which is over the speed limit. You will have to keep the device on your car for 6 months then you can remove the device and return the device back to the car insurance company.
After the 6 month period, the insurance carrier will go over the data collected and they will make the decision if you're a safe driver or not and if you are then you will be rewarded with a discount rate. It is your choice if you want to put the device on your car or not, but doing so can get you the discount. If you decide to put the device on your car, and you want to get the device taken off before the 6 month period you can do so. If you get it taken off before the 6 month period you will not complete the project for the discount, you will just opt out of the project and won't recieve your discount. Almost all insurance companies offer this discount program to their old customers and new customers who want to get insurance discounts with them. New customers who don't have insurance with them yet can use the device before signing up with the company which will result in a better insurance quote with the company when you're ready to sign up. You won't have to keep the device on your car for 6 months, you will only have to keep the device on your car for 1 month just to get a better insurance quote.
This device and the program have been around for years, but more people are using it now then they've did before during the time when it was first offered. About 35 percent of new customers who would like insurance discounts join the program and get the device put on their car because it's only for 1 month just to get a better insurance quote. Once you've buy insurance with that company you can sign up for the program again to get discounts to lower you monthly price. To lower your monthly price you will have to keep the device on your car for 6 months. Most people take advantage of this program to get discounts because car insurance rates have been going up within the last 10 years. If the price is too high, customers will struggle to make their payments if it becomes hard times for them. This program of having the device put on your car was created as a way customers can prove to insurance companies that they're a safe driver which will result in them getting a great insurance discount to save them some money.
Most customers don't mind getting the device put on their car for this short period of time because it will do them some good in the long run and save them some money. If you can't find an insurance company who offers this program, there's pleanty of them online you can find. The device is small and wireless gadget that monitors your driving habits to see if you're a safe driver or not. More insurance providers are opting in to use this program instead of the ways they've used before to GUESS your driving habits. This device is more better and accurate for them to use. Before they was using information on a person to tell their driving habits or if the person is liable to have a accident or not. They was going off of your age, your sex, how many miles you drive, your marital status, and even your credit score to determine if you're a safe driver or will get into an accident. In reality, none of that tell how you will be behind the wheel, but putting this monitoring device on your car does.
The car insurance police holder can volunteer to get the device put on their car, it is not mandatory. As i said before, it only collects the data like what time of day you was driving, how far you driven to, how many times you pressed the brakes hard, and how long you was driving over 80 miles per hour. The device connects to your diagnostic port and it communicates with your car computer system. Progressive car insurance calls this program "Snapshot" and they offer the program in almost every state. State Farm calls this program "Drive Safe and Save" and they offer it in half of the U.S. So if you're looking for a discount on your auto insurance and looking to save almost 35 percent on your bill, then get the device put on your vehicle for the short period of time and get your discount.
After the 6 month period, the insurance carrier will go over the data collected and they will make the decision if you're a safe driver or not and if you are then you will be rewarded with a discount rate. It is your choice if you want to put the device on your car or not, but doing so can get you the discount. If you decide to put the device on your car, and you want to get the device taken off before the 6 month period you can do so. If you get it taken off before the 6 month period you will not complete the project for the discount, you will just opt out of the project and won't recieve your discount. Almost all insurance companies offer this discount program to their old customers and new customers who want to get insurance discounts with them. New customers who don't have insurance with them yet can use the device before signing up with the company which will result in a better insurance quote with the company when you're ready to sign up. You won't have to keep the device on your car for 6 months, you will only have to keep the device on your car for 1 month just to get a better insurance quote.
This device and the program have been around for years, but more people are using it now then they've did before during the time when it was first offered. About 35 percent of new customers who would like insurance discounts join the program and get the device put on their car because it's only for 1 month just to get a better insurance quote. Once you've buy insurance with that company you can sign up for the program again to get discounts to lower you monthly price. To lower your monthly price you will have to keep the device on your car for 6 months. Most people take advantage of this program to get discounts because car insurance rates have been going up within the last 10 years. If the price is too high, customers will struggle to make their payments if it becomes hard times for them. This program of having the device put on your car was created as a way customers can prove to insurance companies that they're a safe driver which will result in them getting a great insurance discount to save them some money.
Most customers don't mind getting the device put on their car for this short period of time because it will do them some good in the long run and save them some money. If you can't find an insurance company who offers this program, there's pleanty of them online you can find. The device is small and wireless gadget that monitors your driving habits to see if you're a safe driver or not. More insurance providers are opting in to use this program instead of the ways they've used before to GUESS your driving habits. This device is more better and accurate for them to use. Before they was using information on a person to tell their driving habits or if the person is liable to have a accident or not. They was going off of your age, your sex, how many miles you drive, your marital status, and even your credit score to determine if you're a safe driver or will get into an accident. In reality, none of that tell how you will be behind the wheel, but putting this monitoring device on your car does.
The car insurance police holder can volunteer to get the device put on their car, it is not mandatory. As i said before, it only collects the data like what time of day you was driving, how far you driven to, how many times you pressed the brakes hard, and how long you was driving over 80 miles per hour. The device connects to your diagnostic port and it communicates with your car computer system. Progressive car insurance calls this program "Snapshot" and they offer the program in almost every state. State Farm calls this program "Drive Safe and Save" and they offer it in half of the U.S. So if you're looking for a discount on your auto insurance and looking to save almost 35 percent on your bill, then get the device put on your vehicle for the short period of time and get your discount.
Tuesday, October 12, 2010
Auto Insurance Discounts
Most discounts for Auto Insurance are hidden. You can either call several Auto Insurance companies to get quotes and ask them about their discounts, or you can do some online research and searching to find discounts and best quotes on your auto insurance depending on your state or location. When you're talking to an agent they may ask you how far is your job that you travel to from your home, or how far is your school if you're a student. If it's far like over 100 miles and you're a student you could get a student discount on your auto insurance. Some agencies have discounts for homeowners, some even have discounts for newly weds.
You shoud also ask if there's any new discounts available when it's time to renew your car insurance. You might see a car insurance commercial and they advertise that you can save money, and that their company have discounts and great benefits. There could be other companies that also could have these benefits but they didn't advertise it so you may have to ask them over the phone about their discounts. You should also mention "well, state farm advertised on their commercial that their price is this, and i could save that" other companies don't want to lose customers to their competition which could result in them giving you a discount. If you have a anti theft device for your car you could also get a discount, you would have to mention this to the agent. If you're a member of U.S Military you could get a discount on your car insurance as well.
There are so many auto insurance companies to choose from so you will have to do some shopping around to find the best price that works best for you. Don't forget to mention about the discounts and the key things that could get you a discount on your auto instrance. After all, all the money you paid for the car and gas prices going up, YOU DESERVE A DISCOUNT ON YOUR AUTO INSURANCE.
You shoud also ask if there's any new discounts available when it's time to renew your car insurance. You might see a car insurance commercial and they advertise that you can save money, and that their company have discounts and great benefits. There could be other companies that also could have these benefits but they didn't advertise it so you may have to ask them over the phone about their discounts. You should also mention "well, state farm advertised on their commercial that their price is this, and i could save that" other companies don't want to lose customers to their competition which could result in them giving you a discount. If you have a anti theft device for your car you could also get a discount, you would have to mention this to the agent. If you're a member of U.S Military you could get a discount on your car insurance as well.
There are so many auto insurance companies to choose from so you will have to do some shopping around to find the best price that works best for you. Don't forget to mention about the discounts and the key things that could get you a discount on your auto instrance. After all, all the money you paid for the car and gas prices going up, YOU DESERVE A DISCOUNT ON YOUR AUTO INSURANCE.
Friday, October 1, 2010
Student Loan Consolidation
College students take out more than one student loan when trying to pay for school. These student loans have to be paid back, so some people choose to consolidate their loans to make their monthly payments and finances lower. When choosing this method to lower your monthly payments, or refinancing for a lower intrest rate it will make the amount of time you have to pay monthly longer. This method isn't a good method for everybody. Federal loans cannot be consolidated with private loans. Now, every federal student loan will carry a fixed intrest rate. But before, federal student loans was issued with variable rates and if a borrower wanted to consolidate their federal loan they could lock in a rate that could be lower then the rate they was paying. And now, you can't benefit from student loan consolidation unless you have a single monthly payment with the ability to have a variety of repayment plans.
Student Loan Consolidation isn't going to help you if you can afford to make your monthly payments, but if you can't afford to make your monthly payments or you think that somewhere down the line you will have trouble making your monthly payments then consolidation can help you becaus it will lower your monthly payments. But it will make the amount of time you'll be paying back longer, and it also will add on extra thousands of dollars in interest. If you decide to consolidate a 5 year student loan to a 10 year, it will reduce your monthly payments, but you could end up paying double the amount of interest if you decide to consolidate your student loan or loans. You should wait some years to consolidate because it is predicted that the interest rate on student loans will drop by two percent. The borrowers who consolidated on their student loans already won't be able to consolidate again when the interest rate gets dropped to the new rate.
You can now consolidate for a new income based repayment plan when the interest rate gets dropped to something you can afford. Waiting for the interest rate to drop can be a good idea if you're entering a field that pays a low salary. Student Loan Consolidation is good for anyone with federal loans and it will base your monthly payments at a certain percentage of your income. This rate will be your adjusted gross income that shows up on your federal taxes and 150 percent of federal poverty level which is $16,245 for a single person with no kids. Single individuals with no kids if your gross income is $40,000 then your monthly payments would be $365. If your salary increses then your monthly payments will increase as well. After 25 years if you still have a balance left on your student loan it will be wiped away.
If you have already started repaying your student loan you still can opt for the income based repayment plan, but by doing so will restart your 25 years of repaying back all over with an additional 25 years. Private loans are better than student loans because with private loans you can choose what interest rate you would like while federal loans interest rates are fixed by the amount of yor income. Consolidating private loans can save you money. If you take out a loan with limited credit history and if you make your payments on time, within 4 years it can increase your credit score by 100 points. If you get your credit score increased, then a student loan lender could lower your interest rate.
If you decide to get a lower rate now, then your rate my not increase as high in the future. Another good reason to student loan consolidation is that it could remove a co-signer if you have one, this would help your co-signer so that they won't be liable anymore with your loan and payments. Co-signers can be removed after two to four years of you making your payments on your loan. The best companies to choose to consolidate private student loans is Wells Farge, Chase, Student Loan Network, and NextStudent. Of course they all will have different terms, but they all have a cap on the amount of debt you can consolidate with them. Some charge origination fees, prepayment penalties, different interest rates, and longer loan payment time periods so you should ask if this concerns you.
Make sure you read the terms and conditions carefully, let someone else read the terms as well incase there's anything you don't understand. Ask questions if there's something you don't understand. Keep in mind that this is your life that you're dealing with and signing the loan contract will be 25 years of your life. I suggest you stay away from lenders if they charge a prepayment fee because you might want to pay off the loan sooner and not get charged for it. Most people take out student loans for thousands of dollars without thinking about soon they will have to start paying back on the loans. This includes paying back on the loans even if you don't graduate and drop out of college. Almost every college student graduates or drop out of school with this big debt hanging over their heads. Over $22,000 in debt for student loans. Student Loan Consolidation is great if you want to lower your monthly payments to something you can afford and don't mind paying extra in the interest rates.
Student Loan Consolidation isn't going to help you if you can afford to make your monthly payments, but if you can't afford to make your monthly payments or you think that somewhere down the line you will have trouble making your monthly payments then consolidation can help you becaus it will lower your monthly payments. But it will make the amount of time you'll be paying back longer, and it also will add on extra thousands of dollars in interest. If you decide to consolidate a 5 year student loan to a 10 year, it will reduce your monthly payments, but you could end up paying double the amount of interest if you decide to consolidate your student loan or loans. You should wait some years to consolidate because it is predicted that the interest rate on student loans will drop by two percent. The borrowers who consolidated on their student loans already won't be able to consolidate again when the interest rate gets dropped to the new rate.
You can now consolidate for a new income based repayment plan when the interest rate gets dropped to something you can afford. Waiting for the interest rate to drop can be a good idea if you're entering a field that pays a low salary. Student Loan Consolidation is good for anyone with federal loans and it will base your monthly payments at a certain percentage of your income. This rate will be your adjusted gross income that shows up on your federal taxes and 150 percent of federal poverty level which is $16,245 for a single person with no kids. Single individuals with no kids if your gross income is $40,000 then your monthly payments would be $365. If your salary increses then your monthly payments will increase as well. After 25 years if you still have a balance left on your student loan it will be wiped away.
If you have already started repaying your student loan you still can opt for the income based repayment plan, but by doing so will restart your 25 years of repaying back all over with an additional 25 years. Private loans are better than student loans because with private loans you can choose what interest rate you would like while federal loans interest rates are fixed by the amount of yor income. Consolidating private loans can save you money. If you take out a loan with limited credit history and if you make your payments on time, within 4 years it can increase your credit score by 100 points. If you get your credit score increased, then a student loan lender could lower your interest rate.
If you decide to get a lower rate now, then your rate my not increase as high in the future. Another good reason to student loan consolidation is that it could remove a co-signer if you have one, this would help your co-signer so that they won't be liable anymore with your loan and payments. Co-signers can be removed after two to four years of you making your payments on your loan. The best companies to choose to consolidate private student loans is Wells Farge, Chase, Student Loan Network, and NextStudent. Of course they all will have different terms, but they all have a cap on the amount of debt you can consolidate with them. Some charge origination fees, prepayment penalties, different interest rates, and longer loan payment time periods so you should ask if this concerns you.
Make sure you read the terms and conditions carefully, let someone else read the terms as well incase there's anything you don't understand. Ask questions if there's something you don't understand. Keep in mind that this is your life that you're dealing with and signing the loan contract will be 25 years of your life. I suggest you stay away from lenders if they charge a prepayment fee because you might want to pay off the loan sooner and not get charged for it. Most people take out student loans for thousands of dollars without thinking about soon they will have to start paying back on the loans. This includes paying back on the loans even if you don't graduate and drop out of college. Almost every college student graduates or drop out of school with this big debt hanging over their heads. Over $22,000 in debt for student loans. Student Loan Consolidation is great if you want to lower your monthly payments to something you can afford and don't mind paying extra in the interest rates.
Monday, September 20, 2010
Car Accident Lawyer
In this article i will tell ou about how you could avoid car accidents. You might think to yourself how could you avoid car accidents if it's an accident, meaning it could just happen out of no where. Well, there are some steps you could take to make sure or lower your chances of getting involved in a car accident.
Here are some tips:
-The Double-Double Stop Sign Check
Some streets form like a T at stop signs and the street it T's into could be narrow with traffic coming both ways. You have to learn to do the Double-Double by looking from left to right, then again left to right making sure no cars are coming before turning. That second look from left to right would make sure there are no cars coming out of the blind spots, which can save you from an accident.
-Clear the Rear
When you put the car in reverse, you should look from left to right and straight behind you to make sure there's no cars or subjects approaching, and if there's a car parked behind you with a driver inside make sure he's not about to pull out before you reverse. Also make sure there's no pedestrains trying to walk across your car while backing up, if so then make sure they don't have small kids with them that may be hard to see from the view of your car.
-Wait A Second When Light Turns Green
When waiting at the red light and the light turns green, wait a second before pulling out in the intersection. Sometimes there are drivers racing to beat the red light, often the light turns red before they enter the intersection resulting in the light changing to green on your side of the intersection. And if you're in a hurry for your light to change green then BAM, there goes your accident.
-Look Both Ways
If you're prepairing to make a right turn, nine times out of ten you are looking at the left and focusing on the traffic coming from the left so you will know when it's ok to make your right turn. When it's ok for you to turn right you should focus on what's going on at the right for a second before making your right turn. Because some drivers think when they're making a right turn and they focusing on the left on coming traffic they think everything is ok on their right side. But that right side that you're not paying attention to can change at any moment. Pedestrains could decide to walk across the street, or even worse a car can decide to make a u-turn right in front of your car, or a driver in parked car can decide to pull out from parking spot. Looking both ways before making your right turn can prevent an accident before it occurs.
-Be Patient
When you're waiting for traffic to pass to turn onto on coming traffic, don't be in a hurry to make the turn before the vehicle completely passes you. Lets say it's a vehicle passing with a low flat bed or trailer attached to the back of it, you're in a hurry to turn out onto the traffic before the vehicle completely passes and you don't see the flat bed or trailer attached to it. Being in a hurry will lead to a car accident.
-Check Blind Spots
It is not only important to look in your rear view mirror and side view mirrors when you're ready to change lanes. You should also ALWAYS look back over your shoulder to make sure there is not a vehicle in your blind spot that the mirrors can't see. New drivers tend to not do this as they think the mirrors shows them everything they need to see and there's no cars in the blind spot. They prepair to change lanes and when the accident happens first thing they say is "i didn't see the vehicle on the side of me."
-Trucks Can't See You
Most of the time when i'm driving and if there's a 18 wheeler truck that decides to pull on the side of me (mostly when i'm on the express way), i'll slow down and let them pass by or i'll change lanes. Trucks sit up very high which makes your lower vehicle hard to see. When they're on the side of you, they might decide to change lanes right into the lane you're in without them seeing or knowing you're on the side of them. When this accident happens, the first they'll say too is "i didn't see you on the side of me."
-Neighborhood Streets Cautions
If you're driving on the residential streets you should drive slow enough that in case anything pops up out the ordinary you can prepair to react. On residential streets there's parked cars, kids playing. When kids are playing, they're not aware of the traffic that's approaching. Therefore you have to be the eyes for you and them. Kids like to chase each other which can lead them to run out into the streets when playing, or they play with balls that sometimes get away from them out into the streets with them chasing after it. Even worse, the parked cars holds a blind spot from you seeing any child that cuts in between parked cars to cross the street. Out of no where you're driving down the street and the child between the parked cars doesn't see your vehicle coming, and you don't see the child as well.
You should always pay attention to any and everything around you when driving to avoid car accidents. You should always drive the speed limit as well to avoid car accidents. If you're driving too fast it can lead to you reacting slower to any changes that occur in traffic that can lead to you having a car accident. Be safe
Here are some tips:
-The Double-Double Stop Sign Check
Some streets form like a T at stop signs and the street it T's into could be narrow with traffic coming both ways. You have to learn to do the Double-Double by looking from left to right, then again left to right making sure no cars are coming before turning. That second look from left to right would make sure there are no cars coming out of the blind spots, which can save you from an accident.
-Clear the Rear
When you put the car in reverse, you should look from left to right and straight behind you to make sure there's no cars or subjects approaching, and if there's a car parked behind you with a driver inside make sure he's not about to pull out before you reverse. Also make sure there's no pedestrains trying to walk across your car while backing up, if so then make sure they don't have small kids with them that may be hard to see from the view of your car.
-Wait A Second When Light Turns Green
When waiting at the red light and the light turns green, wait a second before pulling out in the intersection. Sometimes there are drivers racing to beat the red light, often the light turns red before they enter the intersection resulting in the light changing to green on your side of the intersection. And if you're in a hurry for your light to change green then BAM, there goes your accident.
-Look Both Ways
If you're prepairing to make a right turn, nine times out of ten you are looking at the left and focusing on the traffic coming from the left so you will know when it's ok to make your right turn. When it's ok for you to turn right you should focus on what's going on at the right for a second before making your right turn. Because some drivers think when they're making a right turn and they focusing on the left on coming traffic they think everything is ok on their right side. But that right side that you're not paying attention to can change at any moment. Pedestrains could decide to walk across the street, or even worse a car can decide to make a u-turn right in front of your car, or a driver in parked car can decide to pull out from parking spot. Looking both ways before making your right turn can prevent an accident before it occurs.
-Be Patient
When you're waiting for traffic to pass to turn onto on coming traffic, don't be in a hurry to make the turn before the vehicle completely passes you. Lets say it's a vehicle passing with a low flat bed or trailer attached to the back of it, you're in a hurry to turn out onto the traffic before the vehicle completely passes and you don't see the flat bed or trailer attached to it. Being in a hurry will lead to a car accident.
-Check Blind Spots
It is not only important to look in your rear view mirror and side view mirrors when you're ready to change lanes. You should also ALWAYS look back over your shoulder to make sure there is not a vehicle in your blind spot that the mirrors can't see. New drivers tend to not do this as they think the mirrors shows them everything they need to see and there's no cars in the blind spot. They prepair to change lanes and when the accident happens first thing they say is "i didn't see the vehicle on the side of me."
-Trucks Can't See You
Most of the time when i'm driving and if there's a 18 wheeler truck that decides to pull on the side of me (mostly when i'm on the express way), i'll slow down and let them pass by or i'll change lanes. Trucks sit up very high which makes your lower vehicle hard to see. When they're on the side of you, they might decide to change lanes right into the lane you're in without them seeing or knowing you're on the side of them. When this accident happens, the first they'll say too is "i didn't see you on the side of me."
-Neighborhood Streets Cautions
If you're driving on the residential streets you should drive slow enough that in case anything pops up out the ordinary you can prepair to react. On residential streets there's parked cars, kids playing. When kids are playing, they're not aware of the traffic that's approaching. Therefore you have to be the eyes for you and them. Kids like to chase each other which can lead them to run out into the streets when playing, or they play with balls that sometimes get away from them out into the streets with them chasing after it. Even worse, the parked cars holds a blind spot from you seeing any child that cuts in between parked cars to cross the street. Out of no where you're driving down the street and the child between the parked cars doesn't see your vehicle coming, and you don't see the child as well.
You should always pay attention to any and everything around you when driving to avoid car accidents. You should always drive the speed limit as well to avoid car accidents. If you're driving too fast it can lead to you reacting slower to any changes that occur in traffic that can lead to you having a car accident. Be safe
Thursday, September 16, 2010
Unemployment Rate Up
Claims of Unemployement have been on the rise across america. Last week California residents had the most claims filed for unemployment. After upgrading the computer system last month, the state labor agency has been having problems keeping up with the claims. They also had problems processing unemployment checks which caused unemployment benef its to be delayed for people in the state. This error made it harder for people who depended on their unemployment check to pay bills and put some food on the table.
A lot of data and glitches was caused or had something to do with the government shutdown, 15,000 claims came from workers who rely on business from the federal government. This includes government contractors, bus drivers who take passengers on trips to tour parks, also waiters in Washington DC restaurants that was visited a lot by federal employees.
The government shutdown lasted 16 days, during that time nearly 500,000 federal workers was put on stand by. They was allowed to file for unemployment, but it looks like congress will grant them retro back pay for the time they didn't work due to the shutdown. If that's the case then they will have to pay back any unemployment benefits recieved.
This high rise of unemployment claims within the last 3 weeks does not include federal workers who may have filed for unemployment benefits during the government shutdown. Federal workers was counted in a different category by the Labor Department.
In the last 3 weeks the numbers shows about 326,000 people claimed unemployment benefits, but that number could be higher than that due to the states computer glitches and the government shutdown in which people couldn't file a claim. The rise of the unemployment rate shows no change in the job market getting better as the number of people recieving unemployment benefits is the same within a 1 month average.
Labor market are improving, but not improving like we thought or as fast as we want it to. almost 3 million people nationwide received unemployment benefits for their second week or more beginning October 1st 2013. Although there are 11 million people unemployed in the United States, more than 8 million people do not receive unemployment benefits. Last week the numbers went up for 1st time claims of umemployment benefits which broke the record for the biggest 1 week rise since Hurracane Sandy that had thousands of people to file for unemployment benefits.
The rise in unemployment benefits within the last week was mostly due to the government shutdown and other key factors. Within the last week 374,000 people filed for unemployment benefits for their 1st week which means 374,000 unemployers was new within 1 week. The week before that the numbers was at 308,000, 66,000 less than this current week. Unemployment claims was mostly due to layoffs. The job market will get worse before it gets better.
A lot of data and glitches was caused or had something to do with the government shutdown, 15,000 claims came from workers who rely on business from the federal government. This includes government contractors, bus drivers who take passengers on trips to tour parks, also waiters in Washington DC restaurants that was visited a lot by federal employees.
The government shutdown lasted 16 days, during that time nearly 500,000 federal workers was put on stand by. They was allowed to file for unemployment, but it looks like congress will grant them retro back pay for the time they didn't work due to the shutdown. If that's the case then they will have to pay back any unemployment benefits recieved.
This high rise of unemployment claims within the last 3 weeks does not include federal workers who may have filed for unemployment benefits during the government shutdown. Federal workers was counted in a different category by the Labor Department.
In the last 3 weeks the numbers shows about 326,000 people claimed unemployment benefits, but that number could be higher than that due to the states computer glitches and the government shutdown in which people couldn't file a claim. The rise of the unemployment rate shows no change in the job market getting better as the number of people recieving unemployment benefits is the same within a 1 month average.
Labor market are improving, but not improving like we thought or as fast as we want it to. almost 3 million people nationwide received unemployment benefits for their second week or more beginning October 1st 2013. Although there are 11 million people unemployed in the United States, more than 8 million people do not receive unemployment benefits. Last week the numbers went up for 1st time claims of umemployment benefits which broke the record for the biggest 1 week rise since Hurracane Sandy that had thousands of people to file for unemployment benefits.
The rise in unemployment benefits within the last week was mostly due to the government shutdown and other key factors. Within the last week 374,000 people filed for unemployment benefits for their 1st week which means 374,000 unemployers was new within 1 week. The week before that the numbers was at 308,000, 66,000 less than this current week. Unemployment claims was mostly due to layoffs. The job market will get worse before it gets better.
Tuesday, September 7, 2010
Great Careers To Pursue
If you look at the options available within different careers, it will help you make a better decision. Research shows which careers are growing in the future years puts you in a great position to secure a job and keep it. I will tell you about these careers you can look into if you're laid off and searching for a job.
-Teacher
Projected Growth: 17 percent, 248,880 new jobs
Teachers are the main source when it comes to education. Education has been around for decades, so by far this profession is growing mostly in elementary schools.
Planning assignments, grading assignments, and talking to parents about their child's progress are the main duites of elementary school teachers.
Why is it a good choice: This career as a Teacher is even stronger than ever due to gaining focus on great teachers and the student-teacher ratio in the classroom. The good news is more schools are looking to hire older employees which works in favor of those who have been laid off and want to re-enter the workforce.
Preparing For This Career: You will need a bachelor's degree in Elementary Education, a State Issued License or Certification is required for public school teachers. Also some states require teachers to have a major in a specific content subject, or require teachers to earn a masters degree after recieving their teaching certificate.
-Accountant
Projected Growth: 16 percent, 190,700 new jobs
Accountants work more than just every year when it's tax season, they work all year long. By far, this profession is constantly growing and gains even more employees during tax season. Accountants spend much of their time examining financial statements to ensure that they're accurate, organizing and maintaining financial records, and suggesting ways to enhance revenues, improve profits, and reduce costs, according to the U.S. Department of Labor.
Why is it a good choice: Every business, company, and organization need an accountant. After the recession of 2008, a lot of businesses realized that it is important to have a good accountant. And since the budgets are going back up, this career profession is growing heavy with no signs of slowing down.
Preparing For This Career: Department of Labor says most Accountants need at least a bachelor's degree in accounting or a related degree. Department of Labor says that some employers might prefer to hire people with a master's degree in accounting or business administration with a concentration in accounting.
-Registered Nurse
Projected Growth: 26 percent, 711,900 new jobs
When visiting your doctor and before you actually see your doctor, you will often talk to and see a registered nurse first. During that time the nurse will do everything from coordinating patient care to recording medical histories and then consulting and going over this information with doctors.
Why is it a good choice: There's always a great need for Registered Nurses as this profession has been around for decades and this profession is going no where. The health care reform will begin in 2014 and Registered Nurses will be on the rise.
The Affordable Care bill states that every american will be required to have health insurance, this law will put the health care industry on the rise. There is already a shortage in this field, so it's a good idea to go after this career because they will be looking to hire. If you're older and looking to jump into your second career or just trying to re-enter the workforce, don't worry about your age since the median age of the average registered nurse is 46.
Preparing For This Career: Department of Labor says there's more than 1 way to pursue a career as a registered nurse. You ca either get a bachelor's of science degree in nursing, a associate's degree in nursing, or diploma from an approved nursing program. Whichever path you choose to go, the Department of Labor says you must be licensed.
-Software Developer
Projected Growth: 30 percent, 270,900 new jobs
If you have ever used a computer, then i'm pretty sure you have also used a software program that was on the computer. Well, that software that you have used on that computer was made by someone. This person is called a Software Developer. They are the creative minds that build computer programs to fit user needs, they design programs, softwares, and apps to match current needs that users look forward to.
Why is it a good choice: Technology is on the rise from iPhones, Android Phones, iPads, and other tablets, and also computers and laptops. In this case, Software Developers will always be needed to develop such things to go along and stay up to date with technology. It will make a great career for people who is computer savy and would like to go to school and learn Software Developement.
Preparing For This Career: Department of Labor says you would need a bachelor's degree in computer science, software engineering, or some related degree. It's recommended that you have some type of computer programming skills as well.
-Medical Records and Health Information Technician
Projected Growth: 21 percent, 37,700 new jobs
As i said before, the health care industry will be on the rise. If you like keeping things in order then you should use that as an opportunity to choose this career as a medical records and health information technician. You will maintain and organize data for clinical databases and registries, review patient records for accuracy, and protect patients health info for confidentiality.
Why is it a good choice: If you're looking to get into a new career field and you don't want to spend years going to school to get a degree for it, this career profession requires only a little schooling. Also the health care field will continue to grow which will provide more jobs in this field as a Medical Records and Health Information Technican.
Preparing For This Career: Most of these professionals have a certificate to persue a career as a Medical Records and Health Information Technican, some of these people have an associate's degree. Most employers require a professional certification.
-Management Analyst
Projected Growth: 22 percent, 157,200 new jobs
A Career as a Management Analyst is the perfect choice if you are business savy and always accepting the challange of initiating change. Management Analyst find ways to improve businesses, companies, and organizations efficiency. Management Analyst gather and organize information to the problem then come up with a solution or another way to fix the problem.
Why is it a good choice: Every company, business, and organization is looking for ways to cut costs and save them some money which will make their profit go up. So Management Analyst will always be needed because they affirm, re-think and reorganize the management team and their roles to make them run more efficiently.
Preparing For This Career: You will at least need a bachelor's degree. You will have to study in business, management, accounting, computer and information science, economics, marketing, statistics, and engineering. Most employers prefer people witha master's degree in business administration.
-Market Research Analyst
Projected Growth: 41 percent, 116,600 new jobs
Have you ever seen a survey on common products or services? Have you ever answered those surveys? Those surveys is the work of a Market Research Analyst. In this career field, you will forecast and monitor sales trends and marketing, gather data about competitors, consumers, and market conditions, and also find methods for getting data from the form of surveys questions.
Why is it a good choice: Market Research Analyst is in demand because these professionals can help a company or business become more successful with their product or services by breaking down what consumers think about the product or service then use that information to make it better.
Preparing For This Career: Most people get a bachelor's degree in Market Research or some type of simular field. Some people get their degree in fields like computer science, statistics, or math. Or you can have background in communication, or business administration.
-Teacher
Projected Growth: 17 percent, 248,880 new jobs
Teachers are the main source when it comes to education. Education has been around for decades, so by far this profession is growing mostly in elementary schools.
Planning assignments, grading assignments, and talking to parents about their child's progress are the main duites of elementary school teachers.
Why is it a good choice: This career as a Teacher is even stronger than ever due to gaining focus on great teachers and the student-teacher ratio in the classroom. The good news is more schools are looking to hire older employees which works in favor of those who have been laid off and want to re-enter the workforce.
Preparing For This Career: You will need a bachelor's degree in Elementary Education, a State Issued License or Certification is required for public school teachers. Also some states require teachers to have a major in a specific content subject, or require teachers to earn a masters degree after recieving their teaching certificate.
-Accountant
Projected Growth: 16 percent, 190,700 new jobs
Accountants work more than just every year when it's tax season, they work all year long. By far, this profession is constantly growing and gains even more employees during tax season. Accountants spend much of their time examining financial statements to ensure that they're accurate, organizing and maintaining financial records, and suggesting ways to enhance revenues, improve profits, and reduce costs, according to the U.S. Department of Labor.
Why is it a good choice: Every business, company, and organization need an accountant. After the recession of 2008, a lot of businesses realized that it is important to have a good accountant. And since the budgets are going back up, this career profession is growing heavy with no signs of slowing down.
Preparing For This Career: Department of Labor says most Accountants need at least a bachelor's degree in accounting or a related degree. Department of Labor says that some employers might prefer to hire people with a master's degree in accounting or business administration with a concentration in accounting.
-Registered Nurse
Projected Growth: 26 percent, 711,900 new jobs
When visiting your doctor and before you actually see your doctor, you will often talk to and see a registered nurse first. During that time the nurse will do everything from coordinating patient care to recording medical histories and then consulting and going over this information with doctors.
Why is it a good choice: There's always a great need for Registered Nurses as this profession has been around for decades and this profession is going no where. The health care reform will begin in 2014 and Registered Nurses will be on the rise.
The Affordable Care bill states that every american will be required to have health insurance, this law will put the health care industry on the rise. There is already a shortage in this field, so it's a good idea to go after this career because they will be looking to hire. If you're older and looking to jump into your second career or just trying to re-enter the workforce, don't worry about your age since the median age of the average registered nurse is 46.
Preparing For This Career: Department of Labor says there's more than 1 way to pursue a career as a registered nurse. You ca either get a bachelor's of science degree in nursing, a associate's degree in nursing, or diploma from an approved nursing program. Whichever path you choose to go, the Department of Labor says you must be licensed.
-Software Developer
Projected Growth: 30 percent, 270,900 new jobs
If you have ever used a computer, then i'm pretty sure you have also used a software program that was on the computer. Well, that software that you have used on that computer was made by someone. This person is called a Software Developer. They are the creative minds that build computer programs to fit user needs, they design programs, softwares, and apps to match current needs that users look forward to.
Why is it a good choice: Technology is on the rise from iPhones, Android Phones, iPads, and other tablets, and also computers and laptops. In this case, Software Developers will always be needed to develop such things to go along and stay up to date with technology. It will make a great career for people who is computer savy and would like to go to school and learn Software Developement.
Preparing For This Career: Department of Labor says you would need a bachelor's degree in computer science, software engineering, or some related degree. It's recommended that you have some type of computer programming skills as well.
-Medical Records and Health Information Technician
Projected Growth: 21 percent, 37,700 new jobs
As i said before, the health care industry will be on the rise. If you like keeping things in order then you should use that as an opportunity to choose this career as a medical records and health information technician. You will maintain and organize data for clinical databases and registries, review patient records for accuracy, and protect patients health info for confidentiality.
Why is it a good choice: If you're looking to get into a new career field and you don't want to spend years going to school to get a degree for it, this career profession requires only a little schooling. Also the health care field will continue to grow which will provide more jobs in this field as a Medical Records and Health Information Technican.
Preparing For This Career: Most of these professionals have a certificate to persue a career as a Medical Records and Health Information Technican, some of these people have an associate's degree. Most employers require a professional certification.
-Management Analyst
Projected Growth: 22 percent, 157,200 new jobs
A Career as a Management Analyst is the perfect choice if you are business savy and always accepting the challange of initiating change. Management Analyst find ways to improve businesses, companies, and organizations efficiency. Management Analyst gather and organize information to the problem then come up with a solution or another way to fix the problem.
Why is it a good choice: Every company, business, and organization is looking for ways to cut costs and save them some money which will make their profit go up. So Management Analyst will always be needed because they affirm, re-think and reorganize the management team and their roles to make them run more efficiently.
Preparing For This Career: You will at least need a bachelor's degree. You will have to study in business, management, accounting, computer and information science, economics, marketing, statistics, and engineering. Most employers prefer people witha master's degree in business administration.
-Market Research Analyst
Projected Growth: 41 percent, 116,600 new jobs
Have you ever seen a survey on common products or services? Have you ever answered those surveys? Those surveys is the work of a Market Research Analyst. In this career field, you will forecast and monitor sales trends and marketing, gather data about competitors, consumers, and market conditions, and also find methods for getting data from the form of surveys questions.
Why is it a good choice: Market Research Analyst is in demand because these professionals can help a company or business become more successful with their product or services by breaking down what consumers think about the product or service then use that information to make it better.
Preparing For This Career: Most people get a bachelor's degree in Market Research or some type of simular field. Some people get their degree in fields like computer science, statistics, or math. Or you can have background in communication, or business administration.
Monday, August 2, 2010
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