Wednesday, March 8, 2017

What You Have to Give Up to Pay for An Unexpected Hospital Visit?

We may all be one stomach bug away from an unexpected hospital visit. Accidents and illnesses can occur without warning, wreaking havoc on finances and negatively impacting everyday life, even with health insurance. While many people have major medical insurance, rarely do they prepare for the additional financial impact of out-of-pocket costs even a short stay in the hospital can incur. The average length of a hospital stay is 4.6 days and costs $11,000, according to the Agency for Healthcare Research and Quality.

What Would You Have to Give Up to Pay for An Unexpected Hospital Visit?

What would the average family have to give up to pay that type of medical bill — eating out at restaurants for a year or more, weekly lawn service, maid service, pet grooming or family movie nights? No one should have to stress about the impact hospital visits and related expenses could have on everyday life. That’s why companies like Aflac have designed supplemental hospital indemnity insurance policies to help cover what major medical insurance may not. Hospital insurance provides additional coverage that can help protect individuals and families from potentially devastating medical expenses, allowing them to keep their lives on track.

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When specific events associated with a hospital visit occur, policyholders receive cash benefits that can be used to help cover everything from treatment costs to expenses that health insurance doesn’t typically cover, such as, rent, gas, groceries, utilities, child care and other necessities. Do your kids realize just how much money you’re really worth once all your assets are added up? If they’re anything like the adult offspring surveyed for Fidelity Investments’ “Family & Finance Study,” the answer is a resounding — and rather scary — “no.” In fact, seven out of 10 of them underestimated their parents’ estate by an average of $278,000.

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That’s right, by more than a quarter of a million dollars. The reason that’s scary — and why it should be a wake-up call for even those with modest estates they hope to pass on to heirs — is simple: It illustrates a breakdown in communications that Kevin Ruth, head of Fidelity’s wealth planning and personal trust, says badly needs addressing through ‘frank conversations” between parents and their adult children.

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We all want our kids to have movie-star smiles as adults. As parents, this means knowing how to protect their teeth when they’re young, while ensuring that they practice good dental health care for a lifetime. Because February is National Children’s Dental Health Month, it’s the perfect time to “brush up” on instilling good oral-hygiene habits. Consider this: according to the American Academy of Pediatric Dentistry (AAPD), nearly one in three children ages two to five years old in the U.S. are affected by tooth decay, which is one of the top chronic infectious diseases among children and can compromise their health, development, and quality of life in both the short and long term.

Companies Are Discovering That Pittsburgh Is Good for Business

Not long ago we only used cell phones to make calls or send cryptic, short-hand text messages. Now, we rely on our phones for storing our contacts and calendar appointments, watching videos, checking email, managing our connected devices and, of course, keeping up on social media. In fact, phones have become such a crucial part of our lives that many people sleep with them.

So when your phone becomes lost, stolen, or damaged, it can send the most unflappable of us into a panic. Which is why, most industry experts agree, it is worth considering cell phone insurance.
For those who may still be on the fence about cell phone insurance, consider this:

Companies Are Discovering That Pittsburgh Is Good for Business

1. Despite monthly premiums and deductibles, insurance can save owners money. The average retail price of a new smartphone is $590; even higher for a basic iPhone 7 ($649). More than 70 percent of phone claims are filed within the first year. This means that customers with phone insurance who file a claim at month 12 on an iPhone 7 can save $318 – $342 on a replacement phone after premiums and deductibles.

2. Most after-market “protection plans” are extended warranty plans which only cover accidental damage and malfunctions. Only a cell phone insurance and warranty bundle — available through most wireless carriers — covers loss, theft and damage. This is important because one in four phone claims last year were from loss or theft, according to the nation’s leading mobile insurance provider Asurion.

3. Most cell phone insurance programs through wireless carriers include cracked screen repair for smartphones with a lower deductible than what you would pay for a replacement device, and often lower than a consumer would pay to take it to a repair shop.

4. Shoppers now pay the full cost of their phones either up front or in monthly installments. Those who have a loss or theft before they’ve paid off the installments will still have to make the remaining payments. What’s more, without insurance you could be left with both the remaining installments and the payments for a new phone. With a 128 GB iPhone 7 Plus, at 6 months a customer could still owe nearly $700 on their old phone while trying to pay for a new one.

5. For the customer that can’t imagine being without their beloved cell phone, most carrier cell phone insurance programs provide a replacement device the next day. Replacement devices through the major wireless carriers are backed by a 1-year warranty providing shoppers with peace of mind should they have any mechanical or electrical issues.

Protecting Seniors Online from Scams, Hacks and Tax Fraud

The vast majority of seniors today are using the Internet at least once a week to check email, pay bills online and keep in touch via social media. But all that time online puts them at risk for scams and hacks, such as tax fraud. In fact, a new survey by Home Instead, Inc., franchisor of the Home Instead Senior Care network, found that 67 percent of surveyed older adults have been the victim of an online scam or hack.

Encouraging seniors to practice cyber security can go a long way toward protecting their identity and sensitive financial information. Home Instead collaborated with the National Cyber Security Alliance to create Protect Seniors Online, available at www.ProtectSeniorsOnline.com, a free resource that educates older adults about cybersecurity. Here, seniors can test their cybersecurity skills with the “Can You Spot an Online Scam?” quiz.

Protecting Seniors Online from Scams, Hacks and Tax Fraud

Older adults can take the following steps now to protect themselves online:
*Password protect and secure devices, accounts. Lock all devices (including computers, tablets and smartphones) with secure passwords in case devices are lost or stolen.
*Think before clicking. When faced with an urgent request — like emails asking for money — think before clicking or get a second opinion. Clicking on links is often how scammers get personal information. When in doubt, trash an unusual message.

*Share with care. More than half (51 percent) of seniors surveyed by Home Instead use social media to stay connected. Use care when sharing personal information, adjust privacy settings to limit who can see your information, and turn off location sharing.

*Use security software. Install anti-virus and anti-spyware software and program it to run regularly. And be wary of pop-up ads or emails, many of which contain malware that can infect computers.
*Log out. Log out of apps and websites when you are finished. Leaving apps and websites open on computer screens could make you vulnerable to security and privacy risks.

*Recommend support. Older adults who live alone may need help from a trusted source — such as a family member, tech-savvy friend or professional caregiver –to serve as a second set of eyes.

The Top State for Robotics Innovation? Florida Will Surprise You

Lifelike animatronics, next-generation “surgeons” and mechanical warfighters — words that might create visions of a Sci-Fi blockbuster. However, these innovations in high-tech robotics are real and you need look no further than Florida to find them. The history between the state and robotics is a long one. Since the birth of IBM PC in Boca Raton in 1981, the “Second Machine Age” has been thriving in the Sunshine State.

Florida’s robotics revolution covers a lot of ground, including mobility assistance and research, but a common theme found in the state’s innovation reliance on technology that defies human capabilities, including in the life sciences. Seamless procedures on the spine, cancer cells and more have been enhanced by robotics at the Florida Hospital Global Robotics Institute and Mazor Robotics, both in Orlando. Similarly, Kissimmee-based Photon-X explores the science of photonics, such as fiber optics, in applications for robotics surgery.

The Top State for Robotics Innovation? Florida Will Surprise You

According to Photon-X President and CEO Blair Barbour, “Medical robotics is the next generation of surgery. The technology is perfected to eliminate human error from procedures, making it possible to enhance surgeries and surgeon capabilities with better hand-eye coordination. Tests have proven that patients also heal faster through robotic surgery.”

The Florida Institute for Human & Machine Cognition (IHMC) in Pensacola takes a different approach to defying human capabilities. By pairing scientists and robots to develop systems using complicated human thought process and versatile machines, IHMC develops systems that save lives in situations where help is needed but the risk is too great for human response, including in nuclear meltdown sites and space exploration.

To develop the groundbreaking technology that Florida has become known for, the world’s most talented scientists are required, and the state has made it possible to attract and retain that talent. Says Julie Sheppard, general counsel of IHMC, “Being in Florida helps us with our recruitment. In addition to the exciting work, IHMC is able to hire top talent due to Florida’s weather, our affordable housing and all the access to waterways for recreational purposes. We are especially appealing to scientists from cities with a higher cost of living because we offer our employees a more attractive lifestyle.”

Homegrown talent is cultivated at colleges throughout the state, including the Tallahassee-based Center for Intelligent Systems, Control, and Robotics (CISCOR), a cooperative program between Florida A&M University and Florida State University. As one of the top schools in the country for development and implementation of robotics technology, CISCOR’s students focus on studying mechanical design and human-robot interaction, including mobility in complex environments.
In addition, the Army has collaborated with students to develop automated motion planning, terrain classification and design and modeling of four-legged robots.

Biotech Company Files Two More Patents for Proprietary Cancer Cure

It is the disease that cost more than 8 million people their lives in 2012 and sees 14 million diagnosed every year. It comes in many forms and there is no cure — yet. Part of the problem in finding a cure is that while scientists used to think they knew how cancer operated, it is only in the last decade that they have been able to better understand this insidious disease. Cancer is much more complex than originally thought. But one company thinks it may have a solution. Propanc Health Group Corporation (OTCB: PPCH) is focusing on developing treatments for cancer patients suffering from solid tumors such as pancreatic, ovarian, and colorectal cancers.

Up until recently, the company had four patent applications for its lead product, PRP, a proenzyme, anti-cancer compound which targets cancer stem cell eradication while sparing normal stem cells. Now the company has added two more to its portfolio.

Biotech Company Files Two More Patents for Proprietary Cancer Cure

“I have no doubt PRP represents a new therapeutic drug class with significant potential [because] when confirming PRP’s effectiveness across a broad range of cancers, we also confirmed a synergistic response between the two proenzymes to the majority of cancer cell lines tested,” says Dr. Julian Kenyon, Propane’s Chief Scientific Officer. “We also noticed that for some cancer types, multiple combinations of the two proenzymes proved to be effective.”

Propanc recently met with the Medicines and Healthcare Products Regulatory Agency (MHRA) to discuss formal pre-clinical and clinical development of PRP. In addition, the company said it intends to apply for orphan drug designation for pancreatic and ovarian cancers in the US and Europe in the near future.

With the advent of five new patents, this biotech company is catching the eye of investors. In March 2016, Propanc received more than $1 million from an institutional investor for the purpose of fast-tracking its pre-clinical activities, bringing its received total to approximately $3.6 million.
According to Global Analyst Reports, the combined world market for pancreatic, ovarian and colorectal cancers is expected to reach more than $12 billion by 2020.

How to Make The Backyard The Style Center of Your Home

For many homeowners, the backyard is not at the forefront of their home-design plans. But procrastination can be an advantage when it comes to outdoor living. By the time many people consider the backyard, they have developed a strong sense of their own décor personality.
Most consumers’ design styles can be classified as traditionalist, bohemian, modern, eclectic, rustic or industrial, according to Belgard, a company dedicated to outdoor living design and elements for patio spaces and beyond.

Fortunately, there are backyard design plans to suit any taste, as well as any budget. Some design elements that might have particular appeal to different décor personalities include:
*For the traditionalist: Classic comfort. What is the primary purpose of a patio? A place for sitting and relaxing. Attractive, sturdy pavers in appealing patterns provide easy walking and an artistic base for conversation nooks of tables, chairs, planters, and picnic tables.
*For the bohemian: Fire pit. Fire pits are an easy way to promote cozy gathering for all ages. And everyone can appreciate freedom from bugs; wood fires can help hold mosquitoes at bay.
*For the modernist: Multiple levels. Homeowners seeking a modern look can consider a range of options for walkways and pavers that might include steps and slopes to wind through a terraced garden.

How to Make The Backyard The Style Center of Your Home

*For the eclectic: Water features. But not just for swimming. Homeowners can show off an eclectic backyard style with a fountain, fish pond, or other water feature that makes a splash.
*For the rustic: Eating out. Cooking outdoors can reach a new level, as advanced outdoor kitchen units allow guests to help with meal preparation or just chat with the host/chef while enjoying the outdoor setting.

*For the industrial: Unique lighting is a way to make a statement and set a mood in an outdoor setting. Some ways to get creative with light include not only hardscape lighting and illuminated planters, but short-term elements such as lighting fixtures that highlight cool metals and metallics for a more urban, industrial vibe.

Belgard, part of Oldcastle Architectural, was established in 1995 and remains a respected source of durable, classic, stylish outdoor-living products and a resource for design ideas to help homeowners take on backyard design with confidence.

Monday, May 30, 2016

The cutest Babies Picture ever

The cutest Babies Picture ever

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