Uncategorized Archive

Lower Health Care Costs

Everyone is attacking the insurance companies and rightfully so. They have been asking for it every time they come up with another excuse to deny someone the care they need. They’ve become the evil in the industry when they put a policy in place to deny, deny, deny until the people who are entitled finally give up filling out form after form.Of course, the American people are looking to the president to solve the problem. It doesn’t look as if the problem is anywhere close to being solved. In 2008, Obama said that making the American people buy their own insurance is like requiring the homeless to buy homes. In 2010, just two years later, the Patient Protection and Affordable Care Act he enacted did that very thing and in 2012 it was upheld by the Supreme Court even though it was immediately challenged by a majority of the States in the U.S.In all of this turmoil, I don’t hear too many people complaining about the cost of health care itself. I’m not saying I don’t hear people complaining at all. I’m saying that the squeaky wheel gets the attention and the squeaky wheel in all this is the complaint about insurance companies and what the president can do. Health care costs itself could use a little more attention.When a visit to the ER for a broken wrist costs a thousand dollars, I think we’re talking about a health care system that is literally running away itself unchecked. Walk into a hospital and look on the wall for a menu, a price list or anything that other businesses are required to provide. You won’t walk into a restaurant and order before knowing what the cost will be. Why can the hospital get away with it?So, you can’t control the insurance companies and you can’t control the mess the government is making. How about take matters in your own hands and start cutting health care costs yourself? It’s not that hard. All you need to know is that the options are available and be willing to use them.First of all, cut down on the trips you make to the hospital or the doctor’s office. This does not apply to people who have ongoing conditions that require frequent doctor’s office visits. If that doesn’t apply to you, then by all means be your own doctor.If you have a symptom, look it up on the internet. Go to the credible sites that offer solid advice. Webmd is at the top of my list. But, you should also look at a few others. Just like you might get a second or third opinion on serious medical conditions, go to several different sites and make sure they are all giving the same advice. Mayoclinic, Medicinenet and Healthline are some others that have articles written by doctors and you just might find the information you need.Remember though, if you take your health care into your own hands, you are responsible for following the advice the right way and using your own discretion if you happen to have a condition that precludes you from taking said advice. In a legal slap happy world, people love putting blame on others when they really only have themselves to blame. Quit being part of the problem, looking for that easy paycheck, and become part of the solution.Cutting down on hospital or doctor’s office visits also means that you need to stock up on certain supplies and have them in your house or in your car at all times. Make yourself a kit of common medical items that you might possibly need for non-emergency situations. Bandaids, gauze, tape, peroxide, wound cleaners and anything else that you can imagine that will make your kit complete. Make a smaller kit of only the essentials for your pocketbook or book bag.If there is a symptom that doesn’t require emergency attention and you have tried to look it up or you are unsure of what to do, go to a clinic. That’s why they are there. Clinics offer low cost solutions to getting medical advice. But you might get offered a prescription or a treatment that you can’t afford. Don’t hesitate to ask for alternatives. You’d be surprised how effective alternative health care treatments can be.In the case that a trip to the hospital or the doctor’s office is necessary, there are still great ways to cut down on health care costs. The first thing you need to know is that health care does not have to cost as much as it does. Keep in mind that it’s a business. The insurance companies look at it like a business. The doctors and the hospitals run it like a business. So, treat it like a business!If you have to go to the hospital, challenge the bill when you get it. Take it to the business office and negotiate it down. There is a sizable margin of wiggle room and you have every right to ask for it. Most of the time, you’ll get a reduced cost without even an argument. When they do argue, don’t take “no” for an answer. Climb the ladder of supervisors until you get to the decision maker. You will find that behind the closed doors is a much nicer person willing to give you a highly reduced hospital bill.If you require surgery, treatment or any health care that will be set in the future, negotiate the bill upfront. Just like negotiating the hospital bill that you’ve already received, you can negotiate future health care costs as well. Climb the ladder to the decision maker and ask them what they can do for you. If insurance companies can get discounts of up to forty percent, then why shouldn’t you be entitled to the same?Insurance companies aren’t designed with you in mind. They are money-making factories put in place to take your money and hope that they never have to pay. Looking to the government for the solution really isn’t doing anyone any good. When the government is required to find a solution, they have to find one that fits all shapes and sizes for all of its constituents. A task that is nearly impossible.Take matters in your hands when you can and make sure you follow through when you make that decision. You just might live longer anyway. After all, you should be able to figure out what’s best for you and possibly keep yourself out of the hospital or the doctor’s office altogether.

Modern Science and Technology and the Challenges of Third World Countries

We live in a highly sophisticated world where everything is almost achievable. There would probably have been no changes between the world of today and that of three centuries ago if necessity and serendipitous discoveries had not driven men to achieve great things. Science and technology have had huge positive effects on every society. The world today has gone digital, even human thought. Our world has been reduced to a global village and is better for it.The benefits of science and technology far outweigh every perceived shortcoming. Some of the biggest effects of technology are in the area of communication; through the internet and mobile phones. There is advancement of communication and expansions of economic commerce. Today we hear of information and communication technology (ICT). Any institution worth its name must have it in place to be really outstanding. Information technology has become boosted in today’s generation; from the field of communication, business, education, and down to the entertainment industry. Through information technology, work performances are boosted with less effort and greater productivity by using various operations. Without computers or the internet, it will be difficult for people all over the world to get their questions answered. One may use the internet to locate a wealth of information with which to answer an essay question that may have been assigned at school, communicate with people, conduct transactions, access news, buy and advertise goods. The list is endless.The advancement of Science and technology allow mass communication today so that we not only have the television, radio and newspaper, but even mobile phones which renders a multipurpose service; from long distance calls, listening to radio and music, playing games, taking pictures, recording voice and video, and browsing the internet. The benefits we obtain as a result of services from ICT have become widespread in our generation today. It improves the productive level of individuals and workers because People’s knowledge of life beyond the area they lived in is now unlimited. This idea of mass communication also profoundly affects politics as leaders now have many ways they talk directly to the people. Apart from going on air to use radio or television, politicians resort to the social media for some of their political comments and campaign. Information about protests and revolutions are being circulated online, especially through social media. This has caused political upheavals and resulted in change of government in most countries today.Furthermore, current global issues are much more accessible to the public. Communication has been brought also to the next level because one can find new ways to be able to communicate with loved ones at home.Science and technology expand society’s knowledge. Science helps humans gain increased understanding of how the world works, while technology helps scientists make these discoveries. Learning has maximized because of different media that are being developed which are all interactive and which bring learning experiences to the next level. Businesses have grown and expanded because of breakthroughs in advertising.Modern technology has changed the way many companies produce their goods and handle their business. The idea and use of video and web conferencing, for instance, has helped companies remove geographical barriers and given them the opportunity to reach out to employees and clients through out the world. In today’s economy, it has helped companies reduce the cost and inconveniences of travelling, allowing them to meet as often as they could like without having to worry about finding the budget to settle it. Modern technology helps companies reduce their carbon footprint and become green due to the fact that almost anything can be done from a computer.There have been advances in medical care through the development of science and technology. Advances in medical technology have contributed immensely in extending the life span of people. People with disabilities or health problems are now more and more able to live closer to normal lives. This is because science contributes to developing medications to enhance health as well as technology such as mobile chairs and even electronics that monitor current body levels. Most devices used by the physically challenged people are customized and user friendly.Science and technology increase road safety. Nowadays, law enforcement officers use Laser technology to detect when automobiles are exceeding speed limits. Technology has led to the development of modern machines such as cars and motorcycles which allow us to be mobile and travel freely and airplanes which travel at a supersonic speed.Another machine, the air- conditioner, provides cool comfort, especially during hot weather. In offices where dress codes exist, people can afford to wear suits without being worried about the weather. It guarantees convenience even when the climate says otherwise.Moreover, present day factories have modern facilities like machines and soft ware that facilitate production. These machines work with greater speed and perfection incomparable with human skills. These machines have enabled markets to have surplus products all over the world. For the soft ware, they make it possible for machines to be programmed, for production to be regulated, to monitor the progress being recorded and so on.Modern technology indeed has been great. For third world countries, however, it has been challenging, especially the area of production. Only consuming and not been able to manufacture does not favour any country when it comes to balance of trade. The most sensitive parts of technology are the theoretical or conceptual parts and technical parts. These are the backbone of technological development anywhere in the world. Without the ideas, there will not be technology. Third world counties need to go back to the basics, that is, to the primitive. There must be meeting ground for tradition and modern technological invention. Third world countries engage in import substitution strategy where they import half finished goods and complete the tail end of the production process domestically. Third world countries started wrongly. They started with climbing the ladder from the top which is very wrong and difficult. They thought that being able to purchase and operate modern technological products qualifies for advancement in science and technological development. This makes third world countries to be a dependent system because working in the factories are routine work and this inevitably links to the issue of the idea of technology transfer. They should seek for technological transfer, but the problem is that no nation is ready to transfer her hard earned technological knowledge to any other nation for some certain reasons which drive nations into competition; world politics and economic prowess. That is the struggle to lead or dominate other nations technologically, economically and politically. Be the first to invent new gadgets and latest electronics including those used in modern warfare, use other nations as market for finished goods, and to have a strong voice and be able to influence other countries. They should consider embarking on technological espionage so as to acquire the rudiments for technological development if they must liberate themselves from the shackles of technological domination.In conclusion, it’s not until third world countries begin to put embargo on the importation of certain electronics and mechanical goods that the necessity to be creative would replace the habit of consuming foreign products. Countries like Thailand, Burma, Brazil, and South Africa and so on, should be emulated. These countries experienced colonialism yet they did not allow it to overwhelm their creative prowess. Industry and determination saw them emerge as economic giants in the world today. Third world countries should emulate them by carrying out proper feasibility studies to ascertain which technology will suit their country; giving more financial boost to this area, training people to become experts; motivating and encouraging individuals who are naturally endowed and technologically inclined to display their bests of talents. These measures if strictly adhered to will go a long way to help the advancement of these countries in the area of science and technology. If these countries must achieve greatness before the next decade, they have to make conscious and unrelenting efforts. The time starts now! The more they delay, the more backward they become.

5 Empowering Tracks From Female Icons To Make You Feel Inspired

Sometimes we all need a little lift. Whether you’ve had a recent knock to your confidence, have been going through stress in your personal or professional life, or have always struggled with your self-esteem, music is an essential tool for lifting your spirits and making you feel better about yourself.

According to a study by Heriot-Watt University, the type of music you listen to not only influences your mood, but also your personality, with indie and rock/heavy metal fans reporting the lowest levels of self-esteem, while fans of jazz, blues, opera, classical, pop, rap and soul all reported high levels of self-confidence.

So if you’re having a ‘down day’, why not boost your spirits by listening to some powerful, uplifting tracks? Here are five perfect confidence boosters.

Britney Spears – Toxic

Britney’s own struggles with her mental health and conservatorship have made her an inspiration for many people across the world.

This classic song is timelessly sensual, and the heavy beats throughout make it impossible not to dance to. A welcome blast of nostalgia, this tune has filled dance floors across the globe with fans old and new.

The video features Britney as a female spy playing the sexy flight attendant, seducing her passenger before she makes her escape on a motorbike and breaks into a high-security facility guarded by a laser security system.

This track and video is a guaranteed way to feel invincible, and deserves a place on your playlist no matter your mood.

Kelis – Milkshake

A cheesy classic that is guaranteed to make you feel all warm and gooey inside, Kelis pumps up the heat in this 00’s RnB track. Underpinned by intricate drum beats and electric elements, Kelis’ self-confidence is infectious, and it’s hard not to find yourself smiling at the lyrics.

This track is a great way to get into a flirtatious mindset, making it a great choice before going on a date or heading out for the evening.

And if you’re staying in? It’s a great mood lift. But beware! You may find yourself craving a sweet treat.

Eve (ft. Gwen Stefani) – Let Me Blow Your Mind

This RnB classic will capture your attention with its assertive rhythm and powerful vocals from 00’s icons Eve and Gwen Stefani. Featuring a laid-back – yet self-assured – beat, and catchy guitar riff, this is a great track for driving, and its empowering feel is sure to help you feel motivated.

Got a job interview lined up, or thinking of asking for a raise? This anthemic number is a quick way to feel positive and more assertive.

The video features Eve and Gwen Stefani crashing an exclusive event on quad bikes, causing a stir among the privileged attendants, and shoving the performer off stage to perform their own music, before finally being arrested and taken to the station in a police van.

This ‘baddie’ track helps you to tap into the hidden ‘bold’ side of your personality, and lifts your mood while keeping you feeling calm and cool.

Fergie – MILF$

If you have kids, it can be difficult to feel sexy. When you’re running around cleaning the house, changing nappies, or up to your elbows in dishwater, you can easily forget your sensual side – leaving you feeling frumpy and lacking in confidence and motivation.

Thankfully, Fergie’s comeback track is a quick remedy to your low mood and lethargy.

Featuring attractive mothers dressed in curve-hugging latex and silky lingerie going about their daily life in a dreamy, colourful suburbia, this track is a quick way to transform your self-esteem and transport you to a world where you are not just a mother, but a goddess too.

Why not shake off the day and tap into your feminine energy with Fergie, your sexiest PJs, and a bottle of your favourite wine?

Marina And The Diamonds – How To Be A Heartbreaker

Low confidence after a breakup? You’re not alone. Having your heart broken can leave you feeling depressed, undesirable, and unmotivated. So flip the tables on your ex and become a heartbreaker with Marina’s catchy club classic.

This empowering dance track will make you want to move your body and get in touch with your bad girl side, with its heavy beat and pounding rhythms.

Plus, if your libido has suffered as a result of your low mood, take a sneaky peek at the video – it will get your blood pumping with its steamy shower shots and smoking hot male models.

Appointments – Manage Your Time Better At Home to Be Effective

What would happen to you if your home life was more organized than it is right now? Can work-life balance be achieved? What are the tools at our disposal? Could scheduling appointments and keeping them at home help us save time and prioritize?

What is the challenge we face? I sometimes find that time spent at home can be the busiest time, especially in the times we live in. Imagine someone working from home, home-schooling children, and sometimes even doing a side hustle. Imagine also the full-time home-based entrepreneur. How do they manage to do all they need to do in a day?. We are living in a time when many entrepreneurs and even company employees have adopted work- at – home culture. This comes with its challenges as the lines become blurred between home and work. These blurred lines and constraints on the limited resource called time result in over-worked, under-rested, burnt-out individuals. Whilst good time management has been encouraged and indeed, embraced in the workplace, I believe more needs to be done in changing the mindset for the elusive work-life balance to be achieved.

What are the tools at our disposal? To manage time effectively at home, there are many interventions one can employ including setting goals for the day, prioritizing wisely, setting a time limit for every task, organizing oneself, and instituting the discipline of appointments. Yes, an appointment at home! We can spend time pontificating on the pros and cons of each intervention, however, I believe we need to focus on appointments and see how this can powerfully change the course of one’s day regardless of whether it’s a workday or weekend. Life is busy as it is without any intrusions. The question is how do you handle the one who announces that they are at the gate. These can be friends, neighbors, a salesman of some product you do not even need. I am not promoting regimentation here but rather a culture of filling your day with what’s important. Everything that we succeed at is because we carefully plan and execute it. I am a firm believer that you cannot manage time if you do not manage yourself thus I implore you to incorporate planning and appointments into your repertoire. I am not talking about something I do not do. I have to achieve many things in a day therefore I set appointments with my work, others, and myself.

Could scheduling appointments and keeping them on the home front help us save time and prioritize? Whereas we have established that it is a normal business practice to set appointments and keep them, we need to abandon the liberal open-door policy of allowing all and sundry to have access to us as and when they please on the home front. Please understand where I am coming from. We each have greatness within us but for us to achieve it we need to culture great habits. Employing the use of appointments at home and seeing only those people you had agreed to see removes non-essential encounters especially during the most productive hours. I know this will vary with culture, geographical region, or even level of affluence, whether you live in a low density or high-density residential area, but doesn’t negate the need to be organized and effective. Controlling access determines how organized you are and how well you will work and rest when the time for scheduled rest comes.

What do we need to do differently? We need to be disciplined and diligent, learn to say no, now is not a good time, let’s make an appointment for next week. What are the benefits of this approach? You are not always fire-fighting to meet deadlines, You are not always tired because you have not taken time out to rest. You have set aside enough time to spend with your loved ones or a loved one. If you are a busy person, I am sure you appreciate what I am saying. Whether it’s time to work uninterrupted, family time, or “me-time”, it takes some kind of order to enjoy it.

I am not saying that those that come unannounced are bad people. No, not at all, they probably are people you enjoy spending time with. Nevertheless, there must be prior communication so that you can attend to your visitor(s) when it is convenient for both you and them. It can be quite disrupting and a whole day can just pass by without achieving anything that you had planned to do.

As we grow older we begin to appreciate that rest and recovery need to be scheduled. The fact that I am relaxing doesn’t mean that I don’t have anything to do. One therefore cannot assume that just because you are at home you are available. Maybe you have scheduled that time to rest. That is important. You need to make an appointment with yourself, spouses need to also set aside time for each other. Parents need to schedule a time to spend with their children. When you have some sort of order in your life you determine who sees you and who you see. It also means that your relationships will be healthy and that makes you a happier person.

In conclusion, I believe that the work-life balance can be achieved. There are many tools at our disposal just like it is in the workplace.I believe we could do more and be happier if we are disciplined enough to make only the commitments we can keep.I am certain that setting appointments and keeping them at home help us save time and prioritize.

Fitzgerald Mujuru, a fusion of Business Coach, Personal Effectiveness Coach, Business Consultant, Marketing Strategist, Sales Zealot, Speaker, brand builder, with over twenty years in marketing and sales for globally known brands. He has vast commercial experience at management level in various sectors. His strengths include marketing, brand building, sales, business development, business strategy, management, and equipping leaders and teams with strategies for personal and team effectiveness. He has handled various consultancy assignments for companies in professional services, media, communications, training and development, non-profit organizations. He has released 4 books and published more than 200 articles online.