Why have life insurance?
Everyone knows that life is ever changing and anything can happen at any given moment. The importance of preparing will provide peace of mind knowing there is a plan in place. Life insurance will cover the unpredictable and exorbitant expenses associated with end of life issues.
Of course it is a personal choice. The world is nothing without free will. Everything must be carefully considered when financial stability is brought into question. It is whether you are willing to take those risks and use your individual situation to your own advantage. We all have heard the tragic stories happening to people who experienced a sudden loss of a loved one and no life insurance was in force. The survivors are left with a major financial burden and many unanswered questions.
It is so important to do your research and decide which type of life insurance and how much to have that best fits your needs. Each of us has our own situation that is different from our neighbors and friends. Only you know what goes on in your household. Keep in mind, what may be best for someone else does not necessarily mean that is the best thing for you. Which is why YOUR needs must considered when purchasing a policy.
So, why have life insurance? Just a couple reasons:
Reason 1
Do you have any bills, a mortgage? This alone is a pertinent reason to have life insurance. This major bill will be paid off and not left to your survivors to deal with.
Reason 2
Young, fit and healthy? Then this is the best time to get life insurance. Your premium will be affordable and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. And then if you develop any health issues throughout your life, it doesn't matter, because you already have the policy in force.
Reason 3
Are you married? Do you have a domestic partner? Should you parish and leave no money behind to help cover bills, you now just placed a heavy financial burden on your loved ones. Do you want to put them through added financial stress on top of the emotional turmoil caused by your death?
Reason 4.
Peace of mind. If you develop a terminal illness, your life insurance will pay out a lump sum upon confirmation from your treating physician. You will have the money to help get your affairs in order.
Having life insurance is a small piece of the pie to make sure you and the future of your family are fully protected.
Good Health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Sunday, July 25, 2010
Tuesday, July 6, 2010
Skin Cancer is the #1 Cancer in America
Did YOU Know....
* 1 in 5 people will get skin cancer.
* There are 1.3 million NEW CASES of skin cancer yearly.
* Melanoma- the most dangerous of all skin cancers, risk has doubled in the last 10 years.
* >90% of all skin cancers are caused by sun exposure.
* Those who use tanning booths are at a 75% increase risk of developing Melanoma.
* Women <39 years old have a higher probability of developing Melanoma.
Summer is here and people will be spending their time outdoors when the sun's intensity is at it's highest: between 10am-4pm. The sun weakens the body's immune system thereby reducing your defense against infection. When at the beach, the sun is about 80% stronger when reflected off the sand. Overcast days are not any safer than clear days, as 70-80% of ultraviolet rays pierce through the clouds.
What are UVA and UVB rays?
They are ultraviolet light rays carried by the sunlight that reaches the earth. UVA and UVB rays affect the skin's sensitivity to sun exposure in different ways.
UVA: the aging rays.
* Penetrate deeply into skin layers damaging collagen and cells.
* Causes wrinkling, hyper-pigmentation and elasticity loss.
* 50 times more prevalent than UVB
* Present every day of the year.
* Pass through windows. Yes even your car windows!
UVB: the burning rays.
* Affect the outer layer of skin: epidermis.
* Causes hyper-pigmentation: freckling, dark spots, sunburn.
* Vary at time of day but stronger during Summer.
Protect yourself from the sun's harmful rays. Your skin is the largest organ of your body. A few quick tips to be sun smart:
1. Daily use of a broad-spectrum suncreen. Protect against both UVA and UVB.
2. Apply before going outside. Doing so provides ample time for the sunscreen to be absorbed.
3. Use high SPF suncreen to block the burning rays.
4. Avoid over-exposure during peak time hours.
5. Wear protective clothing.
Tan skin does not give a "healthy glow". Conversly, suntanned skin is damaged skin. Over the years, skin is bombarded by sunlight. Skin cancer is caused by the cumulative effects of tan and burns. It is a precurser to skin cancer.
For more information visit the American Cancer Society's website.
Good Health,
Trisha M. Pacenti, RN,BSN
www.nurseinsagent.com
* 1 in 5 people will get skin cancer.
* There are 1.3 million NEW CASES of skin cancer yearly.
* Melanoma- the most dangerous of all skin cancers, risk has doubled in the last 10 years.
* >90% of all skin cancers are caused by sun exposure.
* Those who use tanning booths are at a 75% increase risk of developing Melanoma.
* Women <39 years old have a higher probability of developing Melanoma.
Summer is here and people will be spending their time outdoors when the sun's intensity is at it's highest: between 10am-4pm. The sun weakens the body's immune system thereby reducing your defense against infection. When at the beach, the sun is about 80% stronger when reflected off the sand. Overcast days are not any safer than clear days, as 70-80% of ultraviolet rays pierce through the clouds.
What are UVA and UVB rays?
They are ultraviolet light rays carried by the sunlight that reaches the earth. UVA and UVB rays affect the skin's sensitivity to sun exposure in different ways.
UVA: the aging rays.
* Penetrate deeply into skin layers damaging collagen and cells.
* Causes wrinkling, hyper-pigmentation and elasticity loss.
* 50 times more prevalent than UVB
* Present every day of the year.
* Pass through windows. Yes even your car windows!
UVB: the burning rays.
* Affect the outer layer of skin: epidermis.
* Causes hyper-pigmentation: freckling, dark spots, sunburn.
* Vary at time of day but stronger during Summer.
Protect yourself from the sun's harmful rays. Your skin is the largest organ of your body. A few quick tips to be sun smart:
1. Daily use of a broad-spectrum suncreen. Protect against both UVA and UVB.
2. Apply before going outside. Doing so provides ample time for the sunscreen to be absorbed.
3. Use high SPF suncreen to block the burning rays.
4. Avoid over-exposure during peak time hours.
5. Wear protective clothing.
Tan skin does not give a "healthy glow". Conversly, suntanned skin is damaged skin. Over the years, skin is bombarded by sunlight. Skin cancer is caused by the cumulative effects of tan and burns. It is a precurser to skin cancer.
For more information visit the American Cancer Society's website.
Good Health,
Trisha M. Pacenti, RN,BSN
www.nurseinsagent.com
Monday, June 14, 2010
Friday, June 4, 2010
Protein Shakes: Read the Ingredients
Heavy metals found in some popular liquid and powdered protein shakes are Arsenic(AS), Cadmium(Cd), and Lead (Pb). These muscle building drinks (anabolic) protein can have untoward effects on the human body. Excessive intake of AS, Cd, and Pb can lead to heavy metal toxcity which causes damage to the liver, kidney and heart.
One of the most popular protein chocolate shakes contains more Pb and Cd than the daily recommended allowance. Even the protein shakes targeted to pregnant women and teens, the benefits may not outweigh the risks.
Extra protein in the urine is called proteinuria. As blood passes through the kidneys, they filter out waste products and leave compounds the body needs behind. Most proteins are too large to pass through the kidneys' filtering system. With excessive intake of protein, some protein may pass from the blood and leak into the urine when the kidneys' filtering system is damaged.
Cd causes kidney damage. High amount of Pb causes neurological deficits and kidney damage. AS causes cancer, kidney failure and liver cellular death.
Do due diligence. Read the lables, research and be mindful of the other foods your ingesting. It all adds up.
Talk with your physician about the risks and benefits of adding protein shakes to your diet.
Be kind to your kidneys. They keep your blood chemically balanced and normalize blood pressure.
Good Health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
One of the most popular protein chocolate shakes contains more Pb and Cd than the daily recommended allowance. Even the protein shakes targeted to pregnant women and teens, the benefits may not outweigh the risks.
Extra protein in the urine is called proteinuria. As blood passes through the kidneys, they filter out waste products and leave compounds the body needs behind. Most proteins are too large to pass through the kidneys' filtering system. With excessive intake of protein, some protein may pass from the blood and leak into the urine when the kidneys' filtering system is damaged.
Cd causes kidney damage. High amount of Pb causes neurological deficits and kidney damage. AS causes cancer, kidney failure and liver cellular death.
Do due diligence. Read the lables, research and be mindful of the other foods your ingesting. It all adds up.
Talk with your physician about the risks and benefits of adding protein shakes to your diet.
Be kind to your kidneys. They keep your blood chemically balanced and normalize blood pressure.
Good Health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Saturday, May 22, 2010
Brief Summary of Health Insurance Changes
AFTER 90 DAYS
* Provides immediate access to high-risk insurance pools for people who have no insurance because of preexisting conditions.
AFTER SIX MONTHS
* Bars insurers from denying people coverage when they get sick. What does this really mean--ANY coverage, or high cost services, or things that weren't going to be covered to begin with?
* Prevents insurers from denying coverage to children who have preexisting conditions. Children, not adults yet.
* Bars insurers from imposing lifetime caps on coverage, i.e. aggregate limit. There are some low end plans that have bottom limits, either lifetime or per year.
* Requires insurers to allow young adults to stay on their parents' policies until age 26.
2011
* Requires individual and small group insurance plans to spend at least 80% of premium dollars on medical services. Large group plans would have to spend at least 85%.
2013
* Increases the Medicare payroll tax and expands it to dividend, interest and other unearned income for singles earning more than $200,000 a year and joint filers making more than $250,000.
2014
* Provides subsidies for families earning up to 400% of the poverty level to purchase health insurance.
* Requires most employers to provide coverage or face penalties.
* Requires most people to obtain coverage or face penalties.
A few items to think about: Cost-containment: pre-existing illness, chronic illness..where’s the cut off to help prevent out of control premium? High rates: premium no longer affordable. Multi-million dollar lifetime limits. Which chances are may never be reached, What about keeping something in reserve and using dollars wisely? Increased taxes: to help offset the increased addition of people w/o insurance, pre-existing and chronic costly illness. Cost-effectiveness: where is it? All added together places increased strain on small, medium and large sized employers, the policy holders and the medical community.
It pays to be healthy.
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
* Provides immediate access to high-risk insurance pools for people who have no insurance because of preexisting conditions.
AFTER SIX MONTHS
* Bars insurers from denying people coverage when they get sick. What does this really mean--ANY coverage, or high cost services, or things that weren't going to be covered to begin with?
* Prevents insurers from denying coverage to children who have preexisting conditions. Children, not adults yet.
* Bars insurers from imposing lifetime caps on coverage, i.e. aggregate limit. There are some low end plans that have bottom limits, either lifetime or per year.
* Requires insurers to allow young adults to stay on their parents' policies until age 26.
2011
* Requires individual and small group insurance plans to spend at least 80% of premium dollars on medical services. Large group plans would have to spend at least 85%.
2013
* Increases the Medicare payroll tax and expands it to dividend, interest and other unearned income for singles earning more than $200,000 a year and joint filers making more than $250,000.
2014
* Provides subsidies for families earning up to 400% of the poverty level to purchase health insurance.
* Requires most employers to provide coverage or face penalties.
* Requires most people to obtain coverage or face penalties.
A few items to think about: Cost-containment: pre-existing illness, chronic illness..where’s the cut off to help prevent out of control premium? High rates: premium no longer affordable. Multi-million dollar lifetime limits. Which chances are may never be reached, What about keeping something in reserve and using dollars wisely? Increased taxes: to help offset the increased addition of people w/o insurance, pre-existing and chronic costly illness. Cost-effectiveness: where is it? All added together places increased strain on small, medium and large sized employers, the policy holders and the medical community.
It pays to be healthy.
Trisha M. Pacenti RN, BSN
www.nurseinsagent.com
Monday, April 19, 2010
HERBAL SUPPLEMENTS
Herbal supplements have become popular in the treatment of common colds, stress, weight maintenance, sleep aids, etc. Informal studies have shown that 1 in 3 Americans use herbs as a choice medicine over conventional medicine and/or with conventional medicine. Be aware that there may be an inherent danger in the use of herbs with or without conventional drugs.
The herbal industry is not FDA regulated. Therefore, there is limited research on the effects of herbs. Government quality assurance standards do not apply to the manufacturing of herbs and their labeling. The ingrediants may be misrepresented and or contaminated. These products may contain a mixture of chemicals. Their use carries risks.
If you are considering using herbal supplements, please consult with your physician before doing so.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
The herbal industry is not FDA regulated. Therefore, there is limited research on the effects of herbs. Government quality assurance standards do not apply to the manufacturing of herbs and their labeling. The ingrediants may be misrepresented and or contaminated. These products may contain a mixture of chemicals. Their use carries risks.
If you are considering using herbal supplements, please consult with your physician before doing so.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Wednesday, October 28, 2009
Colon Health: Low Fat High Fiber
Colorectal cancer is the second most common cause of death from cancer in the United States. Colorectal cancer is 90% curable when caught early, but only 8% curable when detected late. Colon cancer kills more than 56,000 people each year effecting both men and women. The early stages of colorectal cancer are often hidden without showing symptoms. When detected early enough, you are increasing your chances of survival by 90%.
Studies indicate a link between high fat intake and colorectal cancer. Large amounts of lithocholic acid- a toxic by-product of dietary fat show the body's inability to handle excessive amounts of this acid. Lithocholic acid is produced when the body processes cholesterol. A high fat diet keeps the stool longer inside the colon, slowing peristalsis and sluggishly moving the stool along.
A high fiber diet provides bulk and allows the passage of stool quickly through the colon leaving behind less residue and a cleaner colon wall. Adding vegetables, fruit and high fiber cereals and breads to your diet will provide the fiber you need. Additionally, there are fiber dietary substitutes available in the form of powders and pills. Adding fiber to your diet is a simple and easy way of taking control of your health.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Studies indicate a link between high fat intake and colorectal cancer. Large amounts of lithocholic acid- a toxic by-product of dietary fat show the body's inability to handle excessive amounts of this acid. Lithocholic acid is produced when the body processes cholesterol. A high fat diet keeps the stool longer inside the colon, slowing peristalsis and sluggishly moving the stool along.
A high fiber diet provides bulk and allows the passage of stool quickly through the colon leaving behind less residue and a cleaner colon wall. Adding vegetables, fruit and high fiber cereals and breads to your diet will provide the fiber you need. Additionally, there are fiber dietary substitutes available in the form of powders and pills. Adding fiber to your diet is a simple and easy way of taking control of your health.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
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