This is the time of year people have a tendency to overspend and focus on items that are eventually outgrown or become bored with. Some items are returned or stored somewhere in the house never to be seen again. No use for it, don't like it or just don't want it and not even worth the time it takes for a store return. If you are living pay check to pay check, it would be to your benefit to spend wisely.
Once the holidays are over, take a moment to count the money you spent on the spirited holiday season. How much money did you spend or family spend on you? Really, is it the gifts that make the season? Is it who can out do each other in quantity or cost? Keep your spending in check and don't allow the demands of family and friends break your budget.
This is the time of year to evaluate your financial health particularly financial stability. If you truly want to give the gift that keeps on giving, take a good look at your financial health and see where improvements can be made. Do you have a life insurance policy in place or a catastrophic plan? If you really want to outdo your neighbor or friends, buy your family financial stability.
The new "it" gift is financial security and peace of mind. Look into purchasing a life insurance policy or a growth and income annuity for your children, grand-children, niece, nephew. By doing so, you are enabling a financial head start and securing low monthly premiums. A whole life policy will earn interest and cash value. A term life policy on yourself is a sound way to transfer money upon your death tax free. You work hard for your money, make your money work hard for you.
Celebrating the holidays is fun and exciting but you don't have feel the pinch in your finances. Be practical in spending. Gift giving is a nice gesture, but financial peace of mind is nicer.
Happy Holidays,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Saturday, December 5, 2015
Monday, November 16, 2015
Everyone can afford life insurance
If you are many working families, single mothers or single persons who live pay check to pay check, you can afford life insurance. You are the image of life insurance. If you are pinched for money now imagine what will happen to your family or estate if you have no financial protection at all on anything.
Unfortunately talking yourself out of estate planning does not pay the bills or cover death related expenses. Talking yourself into reasons why you cannot afford life insurance does nothing beneficial. Excuses places yourself and family in financial jeopardy. This is not a reality to be in. A financial crisis will occur. Carving life insurance premiums into your monthly budget is not a chore its a necessity.
Reasons for financial planning:
Reason #1
To pay bills. Most importantly, 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. Have no mortgage? A life policy is still a solid investment to pass on to your survivors tax free. The proceeds may be used how ever the situation calls for.
Reason #2
Young, fit and healthy? This is the best time to buy 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. When you develop health issues later on in life, it doesn't matter, because you already have the policy in force.
Reason #3
Are you married? Do you have a domestic partner? If you parish and leave no/not enough money behind to help cover bills and death related expenses, the potential of personal bankruptcy looms over the survivors. Do you want to put those financially dependent on you 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 of a terminal diagnosis from your treating physician. You will have the money to help get your affairs in order.
Having life insurance in force ensures there is a financial plan in place for those left behind. The premiums of life insurance are small and affordable to anyone's budget. Remember it is important for you to discuss options with your agent and decide on a type of policy: universal or term that fits your individual needs.
Be pro-active and discuss your wishes with the beneficiary(s). He/she needs to know what your last wishes are and where your life policies are kept. This is not a taboo subject nor is it a subject to be ignored or taken lightly.
Think ahead because the inevitable will be here if your ready or not.
Forward thinking pays big rewards!
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Unfortunately talking yourself out of estate planning does not pay the bills or cover death related expenses. Talking yourself into reasons why you cannot afford life insurance does nothing beneficial. Excuses places yourself and family in financial jeopardy. This is not a reality to be in. A financial crisis will occur. Carving life insurance premiums into your monthly budget is not a chore its a necessity.
Reasons for financial planning:
Reason #1
To pay bills. Most importantly, 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. Have no mortgage? A life policy is still a solid investment to pass on to your survivors tax free. The proceeds may be used how ever the situation calls for.
Reason #2
Young, fit and healthy? This is the best time to buy 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. When you develop health issues later on in life, it doesn't matter, because you already have the policy in force.
Reason #3
Are you married? Do you have a domestic partner? If you parish and leave no/not enough money behind to help cover bills and death related expenses, the potential of personal bankruptcy looms over the survivors. Do you want to put those financially dependent on you 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 of a terminal diagnosis from your treating physician. You will have the money to help get your affairs in order.
Having life insurance in force ensures there is a financial plan in place for those left behind. The premiums of life insurance are small and affordable to anyone's budget. Remember it is important for you to discuss options with your agent and decide on a type of policy: universal or term that fits your individual needs.
Be pro-active and discuss your wishes with the beneficiary(s). He/she needs to know what your last wishes are and where your life policies are kept. This is not a taboo subject nor is it a subject to be ignored or taken lightly.
Think ahead because the inevitable will be here if your ready or not.
Forward thinking pays big rewards!
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Friday, September 25, 2015
Americans and Emergency Savings
Which category are you?
http://www.bankrate.com/
By failing to adequately prepare you are preparing to fail.
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
- 29% NO savings
- 22% 6 months of savings
- 21% Less than 6 months of savings
- 15% 3-5 months of savings
- 13% Didn't know/declined to answer
http://www.bankrate.com/
By failing to adequately prepare you are preparing to fail.
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Cost of life insurance
The true cost of life insurance. 3 out of 4 people believe they have a good understanding of life insurance. But do they really? When asked specific questions of life insurance they don't understand the different types of life insurance, how it works and the benefits that come along with it. When it comes to cost, ideas are all over the board. People throw numbers around and they have no idea how they came up with that number. That "number just sounds right" to them.
Fortunately, business does not work that way. There would be no thought, no structure, no logistics, no analysis, no statistical means on conducting business. It would just be, "well that number sounds good so lets use that one." Doesn't make any sense does it? Businesses would collapse and households bankrupt without any true mathematical sequence used to generate a number. Math is incorporated into every life.
When asked how much a yearly premium would be for a 20 year level term policy with a face value of $250,000 the answers were all guessed. It was obvious people did not understand the question and numbers shouted out reflected their lack of understanding of life insurance.
Annual premiums on life insurance is much less expensive than you think. The value added benefit of having life insurance far outweighs any monthly bill you have. Cost of life insurance is less than your cable bill, less than your phone bill, grocery bill. etc. One vacation could pay for many years of insurance premium.
In summation, before you say no or render an opinion on something you know nothing about, do due diligence and take the time to learn about how insurance can prevent financial ruin.
Learn more at www.lifehappens.org/barometer
The more you know,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Fortunately, business does not work that way. There would be no thought, no structure, no logistics, no analysis, no statistical means on conducting business. It would just be, "well that number sounds good so lets use that one." Doesn't make any sense does it? Businesses would collapse and households bankrupt without any true mathematical sequence used to generate a number. Math is incorporated into every life.
When asked how much a yearly premium would be for a 20 year level term policy with a face value of $250,000 the answers were all guessed. It was obvious people did not understand the question and numbers shouted out reflected their lack of understanding of life insurance.
Annual premiums on life insurance is much less expensive than you think. The value added benefit of having life insurance far outweighs any monthly bill you have. Cost of life insurance is less than your cable bill, less than your phone bill, grocery bill. etc. One vacation could pay for many years of insurance premium.
In summation, before you say no or render an opinion on something you know nothing about, do due diligence and take the time to learn about how insurance can prevent financial ruin.
Learn more at www.lifehappens.org/barometer
The more you know,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Wednesday, August 5, 2015
Kidney disease and general immunity
First you need to know what the kidneys do. They:
-regulate blood pressure through the renin angiotensin aldosterone system
-regulate phosphorus, potassium, chloride, sodium and calcium in the blood
-clean your blood by filtering waste products.
-stimulate red blood cell production
-control water balance
The kidney is a complex organ that works in synergy with the heart and vascular system, urinary system, the skeletal system and many other body systems. The kidneys go far beyond filtering waste from the blood. The kidneys also work in conjunction with your general immune system. When your kidneys are in a compromised state they are unable to function the way they are designed. Hence, your overall health is effected. Including your skin.
Kidney failure is a progressive process. Once it starts, there is no stopping it. Upon diagnosis your physician will discuss with you options to delay the progression. Nutrition plays a big role.
Those with chronic kidney disease (CKD) are most at risk for skin cancer. Reasons not limited to: Medication related. Some medications cause skin sensitivity to the sun thereby increasing sun burn risk. Vitamin D is activated in the kidney. Those with kidney failure are unable to convert vitamin D to its active form which make getting vitamin D through their diet a challenge. CKD decreases the "sun vitamin" Vitamin D. Since sun exposure stimulates Vitamin D production, talk with your physician about getting the right amount of daily sun exposure.
With the immune system compromised, there is an increased risk of infection. CKD causes chronic systemic inflammation. The presence of inflammatory cells alone cause a wide variety of health problems. CKD contributes to patient mortality and morbidity.
It is critical you see your physician regularly and follow his/her advice. If you choose to seek alternative therapies do due diligence and learn all you can before starting any holistic treatment
regimen. As always you want to discuss this with your doctor.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
-regulate blood pressure through the renin angiotensin aldosterone system
-regulate phosphorus, potassium, chloride, sodium and calcium in the blood
-clean your blood by filtering waste products.
-stimulate red blood cell production
-control water balance
The kidney is a complex organ that works in synergy with the heart and vascular system, urinary system, the skeletal system and many other body systems. The kidneys go far beyond filtering waste from the blood. The kidneys also work in conjunction with your general immune system. When your kidneys are in a compromised state they are unable to function the way they are designed. Hence, your overall health is effected. Including your skin.
Kidney failure is a progressive process. Once it starts, there is no stopping it. Upon diagnosis your physician will discuss with you options to delay the progression. Nutrition plays a big role.
Those with chronic kidney disease (CKD) are most at risk for skin cancer. Reasons not limited to: Medication related. Some medications cause skin sensitivity to the sun thereby increasing sun burn risk. Vitamin D is activated in the kidney. Those with kidney failure are unable to convert vitamin D to its active form which make getting vitamin D through their diet a challenge. CKD decreases the "sun vitamin" Vitamin D. Since sun exposure stimulates Vitamin D production, talk with your physician about getting the right amount of daily sun exposure.
With the immune system compromised, there is an increased risk of infection. CKD causes chronic systemic inflammation. The presence of inflammatory cells alone cause a wide variety of health problems. CKD contributes to patient mortality and morbidity.
It is critical you see your physician regularly and follow his/her advice. If you choose to seek alternative therapies do due diligence and learn all you can before starting any holistic treatment
regimen. As always you want to discuss this with your doctor.
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
Thursday, July 23, 2015
Arthritis
Osteoarthritis is the most common form of arthritis. It causes deterioration of the joint cartilage and formation of reactive new bone at the margins of the joint i.e. osteophytes. This chronic degeneration of cartilage breakdown mostly affects fingers, knees and hips. Herberden and Bouchard's nodes are typically seen in the distal and proximal finger joints.
Initially the nodes may be red, swollen and painful. Eventually they become painless but are associated with limited joint mobility. The earliest symptoms occurs in middle age and progresses with advancing age. Depending on the site and severity of joint involvement, disability can range from minor limitation to near immobility.
Signs and Symptoms:
Contractures: loss of muscle function at the joint
Deep, aching joint pain
Gait abnormalities: when hips or knees are affected
Joint instability, swelling, tender and warm
Limited and painful joint movement
Predisposing event such as traumatic injury
Joint stiffness
What you can do to treat and slow progression of osteoarthritis.
The human body is meant to move. You must perform as much self-care as your limitations will allow. Not moving the joints around will quickly lead to contractures. Contractures are irreversible unless you have surgery. You must identify techniques which allow you to perform as much activities as you can in addition to promoting adequate rest. Massages, laser therapy and purposeful exercise are ways to reduce muscle spasms and atrophy to the joints.
If you suffer from knee or hip arthritis and are overweight, weight reduction needs to be at the top of your list. Your knees and hips take all the pounding of walking. Additionally your knees and hips take the full force applied while standing. If you don't lose the excess weight, any treatment plan your on will not be successful and your discomfort levels will continue.
Take prescribed medication as directed by your physician. The usual medicinal treatments are
NSAIDs, narcotics, and/or O-T-C medication such as Cosamin DS will aid in decreasing joint pain and inflammation.
As always, please discuss with your physician before adding any O-T-C medication to your daily regimen.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Initially the nodes may be red, swollen and painful. Eventually they become painless but are associated with limited joint mobility. The earliest symptoms occurs in middle age and progresses with advancing age. Depending on the site and severity of joint involvement, disability can range from minor limitation to near immobility.
Signs and Symptoms:
Contractures: loss of muscle function at the joint
Deep, aching joint pain
Gait abnormalities: when hips or knees are affected
Joint instability, swelling, tender and warm
Limited and painful joint movement
Predisposing event such as traumatic injury
Joint stiffness
What you can do to treat and slow progression of osteoarthritis.
The human body is meant to move. You must perform as much self-care as your limitations will allow. Not moving the joints around will quickly lead to contractures. Contractures are irreversible unless you have surgery. You must identify techniques which allow you to perform as much activities as you can in addition to promoting adequate rest. Massages, laser therapy and purposeful exercise are ways to reduce muscle spasms and atrophy to the joints.
If you suffer from knee or hip arthritis and are overweight, weight reduction needs to be at the top of your list. Your knees and hips take all the pounding of walking. Additionally your knees and hips take the full force applied while standing. If you don't lose the excess weight, any treatment plan your on will not be successful and your discomfort levels will continue.
Take prescribed medication as directed by your physician. The usual medicinal treatments are
NSAIDs, narcotics, and/or O-T-C medication such as Cosamin DS will aid in decreasing joint pain and inflammation.
As always, please discuss with your physician before adding any O-T-C medication to your daily regimen.
Good health,
Trisha M. Pacenti RN,BSN
http://www.nurseinsagent.com/
Tuesday, June 30, 2015
Smokers beware
Don't worry, this is not another why smoking is bad lecture. Smoking is a choice. You can smoke until your blood vessels and respiratory system sclerose.
This article is about a recent smoking cessation ad I saw claiming laser treatments will help you stop smoking. The laser used is Cold Low Level Laser Therapy (LLLT for short). The claim is utilizing laser light beams instead of needles in an acupuncture-like treatment to stimulate cellular activity and block messages i.e. smoke cravings.
Acupuncture is a traditional Chinese therapy using fine needles inserted through the skin at specific points in the body. Acupuncture is used with the aim of reducing the withdrawal symptoms people experience when they try to quit smoking.
Unfortunately, the existing evidence does not support the effectiveness of either of these treatments.
There is no consistent, science based evidence that acupuncture, acupressure, laser therapy or electrostimulation are effective for smoking cessation.
St George’s Hospital Medical School in London, UK, conducted a mini-evaluation of a local laser therapy clinic claiming to help people quit smoking. The above techniques including laser treatments were proven ineffective for long term benefits. The short term benefit was a decrease in cravings but no smoking cessation. The desire to smoke remained.
What was learned at the end of the study was those wanting to quite smoking should re-direct their finances on more useful resources that demonstrated proven tract records of long term success such as counseling by a trained clinician and or FDA regulated smoking cessation products.
The internet is flooded with LLLT for smoking cessation. This does not mean the short descriptions your reading of LLLT for smoking cessation is science based truth. Do due diligence and don't allow yourself to get caught up in costly alternative ways to quit smoking.
LLLT may be effective in conjunction with, in addition to, along with other smoking cessation therapies.
There is no hard evidence, no FDA approved smoking cessation laser, no FDA scientific study to back up laser treatments alone help people quit smoking. Lack of evidence and methodological problems means no firm conclusions may be drawn. These interventions alone are likely to be less effective than proven evidence-based interventions.
If you decide to try LLLT for smoking cessation, here a few starter questions to keep in mind:
How many people has the individual treated for smoking cessation? Average cost, how many treatments, length of treatments? Cost of follow-up treatments? What other treatment modalities are used in conjunction with LLLT? What is your long term success rate - more than 1 year smoking cessation success rate? Short term success rate?
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
This article is about a recent smoking cessation ad I saw claiming laser treatments will help you stop smoking. The laser used is Cold Low Level Laser Therapy (LLLT for short). The claim is utilizing laser light beams instead of needles in an acupuncture-like treatment to stimulate cellular activity and block messages i.e. smoke cravings.
Acupuncture is a traditional Chinese therapy using fine needles inserted through the skin at specific points in the body. Acupuncture is used with the aim of reducing the withdrawal symptoms people experience when they try to quit smoking.
Unfortunately, the existing evidence does not support the effectiveness of either of these treatments.
There is no consistent, science based evidence that acupuncture, acupressure, laser therapy or electrostimulation are effective for smoking cessation.
St George’s Hospital Medical School in London, UK, conducted a mini-evaluation of a local laser therapy clinic claiming to help people quit smoking. The above techniques including laser treatments were proven ineffective for long term benefits. The short term benefit was a decrease in cravings but no smoking cessation. The desire to smoke remained.
What was learned at the end of the study was those wanting to quite smoking should re-direct their finances on more useful resources that demonstrated proven tract records of long term success such as counseling by a trained clinician and or FDA regulated smoking cessation products.
The internet is flooded with LLLT for smoking cessation. This does not mean the short descriptions your reading of LLLT for smoking cessation is science based truth. Do due diligence and don't allow yourself to get caught up in costly alternative ways to quit smoking.
LLLT may be effective in conjunction with, in addition to, along with other smoking cessation therapies.
There is no hard evidence, no FDA approved smoking cessation laser, no FDA scientific study to back up laser treatments alone help people quit smoking. Lack of evidence and methodological problems means no firm conclusions may be drawn. These interventions alone are likely to be less effective than proven evidence-based interventions.
If you decide to try LLLT for smoking cessation, here a few starter questions to keep in mind:
How many people has the individual treated for smoking cessation? Average cost, how many treatments, length of treatments? Cost of follow-up treatments? What other treatment modalities are used in conjunction with LLLT? What is your long term success rate - more than 1 year smoking cessation success rate? Short term success rate?
Good health,
Trisha M. Pacenti RN,BSN
www.nurseinsagent.com
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