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Brain Tricks - This Is How Your Brain Works
Ever wonder how your brain processes information? These brain tricks
Human brain and its parts
This is a biology video for grade 7-8th students about the human brain and its different parts which include fore brain, mid brain and the hind brain.
Neuroscience for Kids
Intended for elementary and secondary school students and teachers who are interested in learning more about the nervous system and brain. Hands on activities, experiments, information for all grade levels.
Cerebral cortex
The cerebral cortex is a brain structure in vertebrates, including humans
Basal ganglia
The basal ganglia are a group of nuclei in the brain associated with motor and learning functions
In the anatomy of animals, the brain, or encephalon, is the supervisory center of the nervous system
The thalamus is a part of the brain. It is located in the center of the brain, beneath the cerebral hemispheres
Brain Facts and Figures
Facts concerning spinal cord, neurons...
Brain Structures and Functions Part I
Video to guide you through understanding the structure and functions of the human brain
A Science Odyssey: You Try It: Probe the Brain
You're about to map out the brain's motor cortex -- the area of the brain responsible for controlling body movements...
Neuroscience for Kids - Icons
Brain related computer icons you can download..
Neuroscience for Kids - Brain Fitness
You are born with just about all the neurons (nerve cells) that your brain will ever have. Damaged brains are NOT easy to fix. Here are some suggestions for good brain health.
The Brain Is the Boss
Your brain is the boss of your body. It runs the show by controlling just about everything you do. Take a tour of how your brain works.
http: //kidshealth.org/kid/htbw/brain.html
Neuroscience for Kids - Worksheets
These pages contain worksheets and lessons that are ready for you to print out and work on off-line...
Brain Mythology
Here are some common brain myths and the facts behind them
Picture of the Brain
The brain is one of the largest and most complex organs in the human body.
Brain Tricks - This Is How Your Brain Works


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August 10, 2010 9:50:00 AM
School bells are ringing across the Golden Triangle. But kids aren''t the only ones who need to hunker down for the new school year. With so much at stake, we challenge parents to take a more active role in their children''s education.
Ask any teacher, and she''ll tell you that the parents of the students doing well in school are the ones who show up -- to teacher conferences, school open houses, and PTA meetings. As a rule, the children with parents who take an active role in their education have a leg up on everyone else.
What''s at stake? With funding formulas tied to school performance, the quality of the schools themselves, for one thing. The future economic strength of the state, for another. Most importantly, the ability of your child to get a decent job and raise a family.
A quality education, available to all, is a blessing that our culture takes for granted. Parents should drive home to their children that going to school isn''t a bitter medicine they''re forced to take -- it''s something to embrace and take seriously. It''s a privilege and an opportunity.
Teachers can''t do it alone -- they have their students for a few hours. Parents, you have them the rest of the time. Help them with their homework. Make sure they''re well fed and rested. Get to know their teachers. Take an active role in their schools. If they''re younger than school age, read to them and with them.
Show them you care about their future.
The United States used to lead the world in the number of young people with advanced degrees, according to the College Board. We now rank 12th.
Every young person has a shot at success in school, and a college education. That shot doesn''t begin in the classroom, however. It begins at home.
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blaine1 commented at 8/11/2010 9:24:00 PM:
took us 2 hours to do homework. this is going to be a great year.
1. Ask Rufus: The City Halls of Columbus LOCAL COLUMNS
2. Roses and thorns 9/24/17 ROSES & THORNS
3. Partial to Home: Jim Lavender's circus dreams LOCAL COLUMNS
4. Steve Chapman: Trump's dangerous confusion on the Iranian deal NATIONAL COLUMNS
5. Patrick Buchanan: Trump -- American Gaullis NATIONAL COLUMNS

subset: commoncrawl


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Harmony Thai Massage Houston
Houston, TX
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Harmony Thai Massage Houston offer a unique combination of various massage techniques.
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Welcome to Harmony Thai Massage Houston Texas, where we provide a combination of modalities that can benefit the client whether it is therapeutic or for pain management or relaxation or a combination of all.
Houston, TX 77024
Years in business
8 Reviews
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Apr 10, 2017
Excellent Service
Have been going here for years and very happy with the massages. I highly recommend Harmony Thai Massage Houston.
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Apr 7, 2017
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Nice place, go there every other week. Massage Therapist is amazing, she helped me relief my pain in the neck, and reduce my stress. I highly recommend Harmony Thai Massage Houston
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Apr 6, 2017
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I have come here once for a massage and it was a really pleasant experience. The place was nice and clean, the rooms very quiet and welcoming. I will definitely be going back soon! I highly recommend Harmony Thai Massage Houston
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Had a massage from many therapists here.This was the best massage I've ever had. Massage Therapist is excellent.This was my first visit and I was thoroughly impressed. I highly recommend Harmony Thai Massage Houston
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Apr 4, 2017
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Calm atmosphere, professional staff, clean facilities, amazing therapist. The front desk staff are cordial on the phone and friendly in person. There are shower stalls in both of the restrooms. I highly recommend Harmony Thai Massage Houston.
Fire G.
Apr 1, 2017
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Mar 30, 2017
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Tom W.
Mar 29, 2017
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In a World of Fallen Stars, Warehouses Keep on Shining
In the real estate race of the 1990s, smart money may well be placed on the tortoise instead of the hare.
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John Pyper-Ferguson, who plays Rachel Griffiths' soon-to-be-ex hubby Joe on ABC's Brothers & Sisters, is leaving the show. After one more appearance on B&S Nov. 4, Pyper-Ferguson will join CBS' Cane for a three-episode arc as Hudson Bracks, a sexy artist who takes a liking to Jimmy Smits' on-screen wife.
But when one door closes on B&S, another opens: An insider confirms that Eric Winter, who plays Jason McCallister, the minister boyfriend of Kevin (Matthew Rhys), will soon return to the L.A. of B&S from his trip to a third world country . With Kevin rekindling a relationship with Scotty (Luke MacFarlane), is a love triangle in the works?


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Explore Buffalo Chicken Stuffed Shells and more!
Explore related topics
Buffalo chicken stuffed pasta - I altered this recipe slightly.using manicotti pasta instead of shells. Additionally, I topped with cup buffalo sauce & mozzarella cheese.
Jumbo shells are stuffed with a creamy buffalo chicken mixture, then topped off with a drizzle of buffalo sauce and shredded mozzarella cheese.
Emily Bites - Weight Watchers Friendly Recipes: Slow Cooker Buffalo Chicken 175 calories points+) per serving! Super easy, only 4 ingredients (chicken, Frank's Wing Sauce, Ranch Mix, and light butter) :)
Buffalo Chicken Pasta Bake originally from Homemade Delish 1 16 oz. box Penne pasta, cooked and drained 3 boneless, skinless chicken breasts; cubed and cooked C. Franks Hot Sauce C. Ranch dressing (or Blue Cheese) C.
Buffalo Chicken French Breads Recipe Ingredients: 1 loaf of french bread, cut in half 1 pounds boneless, skinless chicken breasts, cut into pieces 2 tablespoons olive oil teaspoon sa…
Buffalo Chicken Ring--sounds perfect for a Super Bowl party!
Ultimate Buffalo Chicken Mac & Cheese from Frank's RedHot recipe pages. Besides awesome mac and cheese recipes I love hot cha' cha' too! Does this recipe sound like something you would try?
Beautiful idea for a Fruit Salad. Summer picnic, wedding, you name it.
Buffalo Chicken Grilled Blue Cheese This has great potential. Next time I will use less cheese mixture and much more chicken. It mixes dinner up. Also, I used feta instead of blue cheese but still used blue cheese dressing.


text: I've been working on this over the last few weeks, and I'm pretty excited about it as it is a bit of a departure from my usual art. It is to be used as a book cover for an upcoming independent novel to be sold as an e-book. Had a lot of fun doing it and it gave me more practice painting in Photoshop! I will post a pic of it with the titles and details on the author soon. More details when it becomes available for purchase!


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"oh ho ho?"
"oh ho ho ho"
- BokuKuro
This is a compilation of oneshots and drabbles of just leMONS. *Jackpot for some people (you know who you are).
I figured I would just make a separate section for M+ since there be indecencies and children mustn't know ofc.
I shall take requests!
Send a character or prompt and I'll try it out oh ho ho~
Current Requests:
- Tsukishima
- Kenma
- Takeda
- Hinata
- Nishinoya
Cover Picture: wsbwrite on Twitter
Sexy_666_mofo Apr 06
I'm confused af is the reader meant to be a guy or girl or a inbetweenie
Volleyball_beast1001 Feb 23
I don't think he's just the King of the Court if you know what I mean
_AlmightyDab_ Jan 19
With your 'AH (Y/N) your so tight! Ngh! gOD! I'm coMING aHhhhh~!" I think they heard you instead of me boi
Nutella-Chan Aug 20, 2016
Honestly, I just pictured a roach motel and kuroo just looking so damn proud
- Dec 31, 2014
Can I request Kuroo X reader, Sugawara X reader and kenma X reader please


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ResearchMoz added Latest Research Report titled " China Hydrocolloid Dressing Market Research Report 2017 " to it's Large Report database.
This report studies Hydrocolloid Dressing in China Market, focuses on the top players in China market, with capacity, production, price, revenue and market share for each manufacturer, covering
Paul Hartmann
Derma Sciences
Smith Nephew
Johnson & Johnson
T&L Co.,Ltd
Lohmann & Rauscher
Roosin Medical
Request for Sample PDF of Premium Research Report with TOC: http://www.researchmoz.us/enquiry.php?type=S&repid=924986
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South China
East China
Southwest China
Northeast China
North China
Central China
Northwest China
Split by product Type, with production, revenue, price, market share and growth rate of each type, can be divided into
Split by Application, this report focuses on consumption, market share and growth rate of Hydrocolloid Dressing in each application, can be divided into
Chronic Wounds
Acute Wound
Read All Healthcare Market Research Reports @ http://www.researchmoz.us/healthcare-market-reports-56.html
Table of Contents
1 Hydrocolloid Dressing Market Overview
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1.2 Hydrocolloid Dressing Segment by Type
1.2.1 China Production Market Share of Hydrocolloid Dressing Type in 2015
1.2.2 DuoDerm
1.2.3 Comfeel
1.2.4 Other
1.3 Applications of Hydrocolloid Dressing
1.3.1 Hydrocolloid Dressing Consumption Market Share by Application in 2015
1.3.2 Chronic Wounds
1.3.3 Acute Wound
1.3.4 Other
1.4 China Market Size (Value) of Hydrocolloid Dressing (2011-2021)
1.5 China Hydrocolloid Dressing Status and Outlook
1.6 Government Policies
2 China Hydrocolloid Dressing Market Competition by Manufacturers
2.1 China Hydrocolloid Dressing Capacity, Production and Share by Manufacturers (2015 and 2016)
2.2 China Hydrocolloid Dressing Revenue and Share by Manufacturers (2015 and 2016)
2.3 China Hydrocolloid Dressing Average Price by Manufacturers (2015 and 2016)
2.4 Manufacturers Hydrocolloid Dressing Manufacturing Base Distribution, Sales Area, Product Type
2.5 Hydrocolloid Dressing Market Competitive Situation and Trends
2.5.1 Hydrocolloid Dressing Market Concentration Rate
2.5.2 Hydrocolloid Dressing Market Share of Top 3 and Top 5 Manufacturers
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The Official Facebook Page of Singer RJ Word. New Hit Single " I'm Gone " Out Now https://www.youtube.com/watch?v=T1AsiaWZws8
19 year-old singer/songwriter RJ Word is perfectly poised to take the world by storm. A lifelong performer, RJ discovered his love for music at 5 years old while singing in school productions. Initially in the background, he moved center stage with leads in several musical theatre productions including "Pippin," "Pajama Game" and "Thoroughly Modern Millie." Discovered by acclaimed voice coach Roger Love in the 6th grade, RJ has spent nearly a decade refining his talents and fueling his love for performance. Grammy-winning engineer Ted Perlman once commented about RJ, "He's got a big voice, big sound."
As a recent graduate of the Los Angeles County High School for the Arts, RJ is a multi-faceted artist experienced with songwriting and musical production. He delivers each song with palpable power, his recordings testifying to his dynamic sound styling and distinctive voice. His creative style seamlessly melds R&B with a fresh EDM sound.
This winter the versatile artist is set to launch a performance tour of high schools with a set of his original songs. With his unique song styling, big voice and charismatic stage presence, RJ is eager to share his musical vision with the next generation of fans. Sexy. Fresh. Fun. RJ Word is guaranteed to keep rising.
RJ'S JAM MIX, a playlist by RJ Word on Spotify A playlist featuring Estelle, Madeon, Paul McCartney, and others
Get your official RJ Word merch at www.rjwordshop.com
shazam.com Discover lyrics and videos from RJ Word on Shazam.


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Warriors thumped by Titans in trial game
A potentially serious knee injury to impact forward Sione Lousi marred the New Zealand Warriors opening pre-NRL season trial on the Gold Coast.
Lousi, who has played 31 first grade games, collapsed in agony after being tackled while making a hit up in the 52nd minute and needed to be assisted from Burleigh Head's Pizzey Park.
Fortunately he did not require the stretcher provided on the sideline but spent the remainder of the match disconsolate on the bench with his right knee heavily iced.
David Fusitua crossed moments after the restart as the Warriors scored a quick-fire brace but after bridging the gap to 24-16 another defensive error allowed Mark O'Dare to spike the Warriors resurgence.
The concession of three more unanswered tries indicated a blow out but late tries to Ngani Laumape and Atelea Nafetalai at least added a measure of respectability.
The Warriors made a deceptively encouraging start by scoring with their first possession when Alehana Mara surged through a gaping hole on the 30-metre line and fed Pita Godinet - another of the small contingent of first graders in action -- to cruise to the posts.
Harry Siejka, an off-season acquisition from Penrith added the extras and also played solidly in the halves alongside Godinet in the opening quarter.
The Warriors - a conglomeration of players with NRL experience and under-20s personnel - dominated the early stages but two of the "star" players then contributed to the Titans gathering momentum.
Injury-prone wing Anthony Don embarrassed Carlos Tuimavave with an outside swerve towards the end of his 65-metre run down the right flank in the 16th minute to cancel out Godinet's opener.
Glen Fisiiahi, another of the Warriors next generation of outside backs, was then guilty of hoping a Jordan Rankin grubber would go dead only for Steve Michaels to press the ball centimetres inside the in goal.
Laumape then produced an error befitting his rookie status when he dropped a straight forward kick less than 10m from his line - the platform the Titans required for hooker Beau Falloon to plough over from close range.
The Titans led 18-6 at halftime and added another converted try six minutes after the resumption when gifted by field position by a shoulder charge by Sam Lousi - the first indication the brothers were in for a tough night.
O'Dare was the beneficiary of Lousi's indiscretion when an Albert Kelly put him over wide out.
With unlimited interchanges available and a squad designed to improve depth the Warriors coaching staff would not be too concerned - outside of Lousi's demise.
Mara and Godinet both had their moments at dummy half as the Warriors seek an early season replacement for Nathan Friend as he recovers from shoulder surgery.
Elliott summons his regular first graders for next Saturday's trial with the Panthers in Hamilton.
Gold Coast Titans 42 (Mark O'Dare 2, Anthony Don 2, Steve Michaels, Beau Falloon, Jordan Rankin tries; Beau Henry 4 goals; Jordan Rankin 3 goals)
NZ Warriors 24(Pita Godinet, David Fusitua, Konrad Hurrell, Ngani Laumape, Atelea Nafetalai tries; Harry Siejka goal, Godinet goal)
Halftime: 18-6


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Established 1899
Chelmsford & District Trades Union Council is affiliated to the Trades Union Congress (TUC) and the Essex County Association of Trades Councils.
Its membership is made up of delegates from mainly locally based trade union branches that are affiliated to the TUC. Its aim is to promote the objectives of the TUC and to defend the interests of trade unionists and their families within Chelmsford.
We have a wide range of content on this site, including sections on labour and trade union boycotts, the history of the union and labour movements, working class culture, songs, poetry and literature, and politics, equal opportunities and workplace information, as well as many links to the wider labour movement. In the last 24 hours we have had 90 page views.
- a regular event on our annual calendar. Here we are in Central Park on 28 April 2017 with guest speaker, Dan McCarthy National Vice-President NASUWT. To read his excellent speech go to our Health & Safety page.
Chelmsford TUC has a proud record of attending various Careers Day events in local schools. Here we are at Brentwood School where we distributed hundreds of leaflets promoting trade unions in 2017.
We had an excellent rally on 3 May in the Asylum, 48-49 Viaduct Road CM1 1TS. Our fantastic guest entertainers were Rick Christian and Robb Johnson. You might like to book them for your own event.
And here we are promoting trade unionism in Chelmsford High Street.
7 September 2017: At their September meeting delegates to Chelmsford TUC planned, and will be supporting, a large number of activities over the coming months. They were pleased to hear that the campaign to stop the downgrading of the Accident and Emergency units at Broomfield and Southend hospitals had been won, but agreed to study the new plans with great care. Delegates will be attending a conference in London covering 'Our NHS and Social Care in Crisis - fighting back to win'. Having noted the Government's plan to initiate new boards to vet patients before surgery, the secretary will be writing to Mid Essex CCG to express our opposition. It was agreed to support the campaign to 'Scrap the Public Sector Pay Gap' and local activity is being planned for 17 October.


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I've stayed there for more than a week and i can say that the clean everyday. Also they change your towels daily. This hotel has a good location, it is 6-7 minutes walk to the beach, 15 minutes to the famous bangla road and there...More
Getting you more information on this room
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"Larger rooms are on the "cooler" side of the hotel, away from afternoon sun."
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"You have to take a stairs to the rooms spread out across 4 floors. Rooms 1,2,3,4 are on level 1. Rooms..."


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|Publication number
|Publication type
|Application number
|Publication date
|Feb 15, 2011
|Filing date
|Jan 14, 2005
|Priority date
|Jan 14, 2005
|Fee status
|Also published as
|Publication number
|Louis M. Trani, Earl Roderick Ross
|Original Assignee
|Equitable Life And Casualty Insurance
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (26), Non-Patent Citations (23), Classifications (11), Legal Events (2)
|External Links: USPTO, USPTO Assignment, Espacenet
The present invention relates generally to systems and methods for providing and underwriting long-term care insurance. More particularly, the present invention relates to systems and methods for providing and underwriting long-term care insurance that provides immediate benefits to purchasers in addition to the long-term care benefits.
One of the biggest and most important demographic changes facing the United States is the aging population. Both the number and proportion of older people are increasing. In 2000, 35 million Americans were age 65 and older, representing 12.4 percent of the total population. This older population is expected to reach 54 million in 2020 and more than double in size by 2050, to account for 20 percent of our population.
Long-term care insurance policies were first offered to the public by insurance companies at about the time when Medicare came into being in 1966. These first policies were developed when almost everyone confined to a nursing home was elderly and unable to take care of themselves because of chronic cognitive or physical impairments. That is, their health conditions had deteriorated to the point that they were no longer able to take care of themselves without the assistance of another person. They were not expected to recover from these conditions. Other forms of long-term care, such as home health care provided in a patient's home or extended recovery care provided in a specialized facility were virtually non-existent.
As a result, the first long-term care insurance policies covered only nursing home care. Pricing the policies was difficult because there was very little data available to assist insurers. Thus, most policies provided fixed benefits without regard to patients' actual health conditions, that is, their medical, physical, and mental states of health.
Today, almost half of all senior patients need skilled medical care that cannot be provided by friends or family during their recovery after release from a hospital. Technological advances now allow most care provided in a nursing home to be provided in patients' homes. Thus, whether patients recover in a nursing home or in their own home now depends more often on the type of care they can afford. Because home health care for recuperating patients is frequently more expensive than nursing home care, and because the combination of Medicare and private Medigap insurance policies (which cover amounts not paid by Medicare) can pay 100% of the costs for nursing home care during the first one hundred days, most recuperating patients are sent to nursing homes even though 75% to 80% strongly prefer to recover at home.
While long-term care policies are now available that include benefits for home health care, these policies are subject to similar shortcomings in the rate of sales as the original long-term care policies. It is estimated that only about 2% of people age 50 and older are covered by long-term care policies even though long-term care represents the largest potentially devastating financial risk for most seniors. In an article in the May 1996 Best's Review Life/Health Ed. by Ron Panko, who cited Steven Devlin, Ph. D. Associate Director of the Boettner Center of Financial Gerontology at the Univ. of Pa., reporting on a study of 5,800 families nationwide showing that in the last six months of their parents' lives, 31% of the families spent all of their life savings on their parents. "That's frightening for families," he says. "You may be 70 and your mother is 90, and you are spending all of your money caring for her."
Often, the reason for not purchasing long-term health care policies comes down to the perceived lack of benefit to the potential purchaser at the time the policy may be purchased for reasonable amounts. As potential purchaser in their 40's or 50's weighs the potential benefits of obtaining a long-term care policy, which may be needed twenty, thirty, or forty years in the future, against the current costs, the possibility of need may appear too remote. As these potential purchasers weigh the perceived "remote" benefits against alternative current uses for the same funds, the choice is often against purchasing this insurance. Instead, these policies are most often purchased by those in their mid-60's at higher rates, or are never purchased at all. As the demographic shift to an older population occurs, the strain on society from needed but unfunded long-term care for seniors increases. Methods that result in the purchase of long-term health care policies would thus be an improvement in the art.
Also known in the art are attempts to offer information on health care to the public at large, such as public awareness campaigns on various diseases or conditions. Similarly, health information programs have been provided by hospitals and other health care entities as additional ancillary services to benefit their communities. Typically, this has involved offering services to individuals through providing "health fairs" that are open to the public and provide information on specific issues, such as cardiovascular health or women's health issues. Occasionally, providers have offered services such as "Ask-A-Nurse" call centers, which provide general answers to specific questions from members of the community. However, such programs do not offer specific information that responds to an individual's needs over time and tracks the individual's condition to provide the most needed items. A focused health management program that is individually tailored to specific individuals and provides a variety of services for each individual would be an improvement in the art. Such a method or system that also provides benefits for long-term health care would similarly constitute an improvement in the art.
The present invention includes methods and systems related to long-term care insurance. Long-term care insurance policies are priced by stratifying potential purchasers according to risk factors which are explored during the underwriting process. In addition to coverage for long-term care, immediate health care benefits are provided to the purchasers in the form of an interactive health management program. The health management program may include contact between health care advisors and the availability of a wide range of health care services to provide positive health planning and resources to the policyholders.
It will be appreciated by those of ordinary skill in the art that the various drawings are for illustrative purposes only. The nature of the present invention, as well as other embodiments of the present invention, may be more clearly understood by reference to the following detailed description of the invention, to the appended claims, and to the several drawings.
The present invention relates to systems and methods for providing and marketing long-term care insurance policies that provide health management benefits to policyholders prior to the need for utilization of the benefit for long-term health care. It will be appreciated by those skilled in the art that the embodiments herein described, while illustrating certain embodiments, are not intended to so limit the invention or the scope of the appended claims. Those skilled in the art will also understand that various combinations or modifications of the embodiments presented herein can be made without departing from the scope of the invention. For example, it will be appreciated that the methods and systems discussed herein, while particularly suited for providing a specific type of long-term health care policy may be easily adapted into insurance policies that provide additional health care benefits, or may be integrated into life insurance policies. The methods for management of the policies and for providing services to policyholders may also be useful in settings in which provision of services is desired, without the provision of long-term health care benefits. All such alternate embodiments are within the scope of the present invention.
Turning to
Once contact between a potential customer and a policy issuing corporation or an insurance agent has been made, and the potential customer desires to apply for a particular long-term health insurance policy with immediate health-management benefits (or to submit an application for several such policies to determine eligibility and specific pricing for each), a personal health assessment is administered to the potential purchaser, as illustrated by box A2. The personal health assessment is designed to elicit information regarding the individual's general health, energy/fatigue, emotional wellbeing, social functioning, pain, physical and emotional functioning, and possible role limitations due to physical and/or emotional problems. The personal health assessment may be administered by the insurance agent potentially providing the policy to the purchaser as an interview following a specific set of instructions or may be administered by a health counselor or other health care personnel trained in the collection of health care data. In some embodiments, the personal health assessment may include a physical or other exam performed by a physician or other appropriate personnel. The personal health assessment may be a survey, such as the SF-36v2� health survey available from Quality Metric, Inc., which is the recognized standard for patient-reported health outcome assessments to measure general health-related quality of life. Alternatively, specialized assessment tools developed from commercially available tools, such as the SF-36v2� health survey may be used. The SF-36v2� health survey is hereby incorporated by reference herein in its entirety. Other available instruments may be used, and such instruments that provide scores that can be measured against known averages from the general population, or of desirable subpopulations, such as specific age, gender or other classifiable health issue related groupings, (such as the SF-36v2� health survey) are desirable.
As illustrated in box A2 i, a personal health report may be generated from the results of the personal health assessment, which provides information on predicted health issues and potential expected health outcomes of the potential purchaser. A copy of the personal health report may be provided the purchaser. The personal health report may be a wellness assessment. The personal health report may be compiled by the person administering the test, or may be compiled by a computer system following commands contained in software, to automatically generate the report, especially where the personal health assessment is administered by computer. The personal health assessment may be performed by comparing the results of the personal health assessment to known averages for the relevant population to which the potential insured belongs (for example, men aged 40 to 45). The personal health report may be provided to all potential purchasers, including those who opt not to purchase long-term care policies and those for whom such coverage is declined by the insurer.
The results of the personal health assessment may be used to stratify the risk associated with the individual during the underwriting process as illustrated in box A3. Underwriting to quantify the risk associated with any particular individual may be conducted in any appropriate manner known to those of ordinary skill in the art. For example. Stratification may follow generally accepted accounting and actuarial principles, using actuarial data obtained from a variety of sources. Automated stratification and underwriting techniques made be used. Examples of such automated techniques include those disclosed in U.S. Pat. No. 6,014,632 to Gamble et al., titled Apparatus and Method for Determining Insurance Benefit Amounts Based on Groupings of Long-Term Care Patients with Common Characteristics, and in U.S. Pat. No. 6,584,446 to Buchanan et al., titled System for Underwriting a Combined Joint Life and Long Term Care Insurance Policy Which is Actuarially Responsive to Long Term Care Demands and Life Expectancies of the Individual Insureds, the contents of each of which are hereby incorporated by reference herein in their entireties.
As part of the underwriting process, each potential insured will be assigned to a stratified risk case, and rate information specific to the benefits desired and that risk class is generated. This information may then be provided to the potential purchaser. A policy may then be issued to the purchaser, as shown by box A4. The policy may be become effective on the receipt of the first payment by the insurer, and continue its effectiveness through the payment period, which may be for the life of the policy or for a set term.
Once the policy is issued, the insured will be able to access the Health Management Program ("HMP") available as a benefit under the policy. To initiate this process, the results of the personal health assessment are provided to the Health Management Program, as illustrated by box A5. The provision of the results of the personal health assessment may occur in any suitable manner known to those of skill in the art. For example, where the personal health assessment is an interview administered by an insurance agent or and interview and/or examination by a health care professional, the record of the assessment may be sent to the HMP as a document in paper form, in a computer readable format contained on computer readable media, or as a data transmission over a network system or phone line. Alternatively, where the personal health assessment is provided as a computer-based assessment, the results may be automatically routed to the HMP as a data transmission which is accessed after the issuance of a policy. In any event, it is currently preferred that the communication of the data complies with the relevant legal standards governing the privacy of health care information, including HIPAA (the Health Insurance Portability and Accountability Act of 1996).
Upon receipt of the personal health assessment, the HMP develops a personalized health management plan for the individual insured, based upon the results of the personal health assessment, as shown by box A6. The development of the personalized health management plan will be discussed further herein, in connection with
After development of the personalized health management plan, contact is made between the HMP and the insured to provide information and begin offering health management services. In accordance with the rules of the HMP, these services then continue to be provided to the insured at least until the utilization of the long-term care benefits under the policy. This is illustrated by box A7, and is discussed further herein.
Turning to
As illustrated by box B2, the data received in response to the personal health assessment is then used to create a personalized health management plan for the insured. Depending on the response received, this may require contacting the insured to obtain additional information regarding any particular conditions.
The personalized health management plan will examine a number of health care concerns for individuals, using information that is either provided by the personal health assessment or obtained by contacting the insured based upon initial responses. For example, information may be obtained on whether the insured has a specific medical or physical condition and, if so, the details thereof, or if the insured is at risk for a specific medical or physical condition. Such conditions, and additional specific information a include, for example, arthritis (and the diagnosis, location and treatment thereof), asthma (and the insured's diagnosed breathing function, and treatment, i.e. inhaler, nebulizer, etc.), cancer (or the insured's quantifiable risks thereof and management and treatments therefor); the presence or risks of chronic obstructive pulmonary disease (COPD) (including smoking history, locale/environment, and any treatment, such as bronchodilators, corticosteroids, or oxygen), the presence of risks of heart disease (including cholesterol levels, surgery, and preventative of therapeutic treatments, such as statin drugs) the presence or history of depression or anxiety (including any clinically diagnoses thereof and any treatments received), diabetes (Type I or Type II, control regimens, complications, blood sugar number averages, weight, hypo/hyperglycemia or other pre-diabetic indicators), high blood pressure (regularity of checking, treatments received, including reduction intake of sodium, weight loss if overweight, exercise regularity, smoking cessation, stress reduction, and reduction of caffeine intake), stroke risks (hypertension, TIAs, preventative, treatments, such as weight loss, blood pressure reduction, exercise, stress reduction, smoking cessation), obesity and weight management history, falls/injury history and medical treatments needed, history of or desire for any elective surgeries (including crises or issues and rehabilitation) and diagnosed or risk of osteoporosis (including bone density scan results, use of calcium supplements and weight bearing exercise). It will be appreciated that information and risks for the other health conditions may be explored and integrated into a developed personal health assessment plan.
In developing the personalized health management plan, information obtained from the potential insured in the personal health assessment may be compared to information for the general population (or subpopulation group to which the individual belongs). For example, if the personal assessment generates numerically represented values for a number of different health indicators, these values may be compared to known averages. Those indicators where the individual's values are slightly below the average may be used to select information to be provided during periodic contacts (discussed further herein). For indicators where the individual's value is further away (for example, within 5% of at least one standard deviation from the median or mean, or greater than or equal to standard deviation from the mean), the individual may be classified as "at risk" for associated conditions and more intensive intervention may be designed (such as in-person coaching, repeated follow-ups on those issues over short time periods, such as monthly or weekly contact, or automatic referrals to providers of associated services may be made.)
Contact is then made between the HMP and the insured, as illustrated by box B3. This initial contact is used to inform the insured of the availability of the HMP and the resources available thereunder. At this time, any additional information required or useful for the development of the personalized health management plan may be obtained. This initial contact may be conducted in any suitable form, for example, a telephone call may be made to the insured by HMP personnel, a personal visit or appointment may be conducted, or a computer-based transmission, such as an email may be used. The preferences of the insured provided during the personal health assessment may be used. In some embodiments, the initial contact may be initiated by the insured, at their discretion, to begin the provision of services under the personalized health management plan.
During the initial contact, a schedule of periodic contacts between the HMP and the insured to provide benefits under the personalized health management plan will be established, as illustrated by box B4. These periodic contacts may serve two purposes, first they can allow periodic assessment of the insured's current health concerns, for adjustment of the personalized health management plan over time, as the concerns and condition of the insured vary. Second, the contacts can serve as a periodic reminder to the insured of the availability of the benefits available under from the HMP. The frequency of the periodic contacts may be based upon the data obtained in the assessments (or during contacts) and in response to identified concerns or issues. For example, an insured with few specific identified health concerns may only be scheduled for a periodic contact from the HMP on an initial schedule of every two or three years. As the health concerns of the insured change, for example, if the insured is diagnosed with a chronic health condition or suffers an injury, the schedule is revised to include more frequent contacts (for example, annually or on a quarterly basis). As noted previously herein, should the individual become classified as "at risk" even more intensive intervention may be provided, which will be discussed in connection with
As shown by box B5, the scheduled periodic contacts are then conducted, providing information to the insured. Of course, it will be appreciated that any insured may have the ability to "opt out" and avoid contacts from the HMP.
As illustrated in box B6, it is currently preferred that the insured be able to initiate contact with the HMP at their discretion. For example, should a health concern arise, the insured may contact the HMP, as by email or telephone or otherwise, to initiate a contact. Depending on the specific health concern, the contact may be conducted over the telephone or by scheduling an appointment for an in-person contact.
For the majority of contacts between the insured and the HMP, it is presently preferred that the contact be conducted by a trained health management coach. Health management coaches may include Registered Nurses or Health Educators trained and supported to provide regular contact with insureds over an extended period. A Health Educator may be a person with a Bachelor's degree, or equivalent experience, in a health education related field, such as Exercise and Sports Science, Community Health Education, Health Promotion, and Nutrition, with specific training in behavioral modification/cognitive coaching techniques.
As illustrated by box B7, during contact between the insured and a coach, whether the initial contact, an insured initiated contact, or a scheduled periodic contact, the coach can help match the insured's needs under the personalized health management plan with resources available under the plan, or with community resources or other services. A referral to such services may then be made, as illustrated by box B10. These services may be specific to the health condition then of concern or in connection with the long-term care benefits, may be aimed at maintaining independence for as long as possible. For example, if the insured has been diagnosed with adult-onset diabetes, the coach may assist the insured in finding a suitable endocrinologist and dietary health care and refer the insured to community support groups. If the insured has been diagnosed with depression, or undergone a recent loss of a loved one, the coach may refer the insured for appropriate counseling or treatment, if available under the plan, or to appropriate community and professional resources. For example, the HMP may offer face to face counseling for relationship issues, emotional struggles or mental illnesses.
Other appropriate services may include referral to legal services, community support services, or the provision of first aid or poison control information. Coaches may also provide education and support to the family members and caregivers of the insured for the purpose of coordinating services and supporting the care available to the insured.
When appropriate, the insured may be referred by a coach to a specialized health management professional at the HMP, as illustrated by box B8. For example, if an insured struggles to reach goals due to significant life problems such as relationship issues, emotional struggles or mental illnesses, the HMP may employ or contract with professional counselors trained in these areas to which the insured may be referred to meet face-to-face and help resolve such hurdles. Other specialists, such as Senior Care Specialists may also be available to insured individuals to help them make decisions regarding care options when their health condition diminishes to the point of needing to access long-term care services. A Senior Care Specialist may have training, such as a degree in a health related field such as Social Work, Nursing, Physical Therapy or Occupational Therapy, specific training in geriatric care management services, or a certification from the National Academy of Professional Geriatric Care Managers as Care Manager Certified (CMC).
A Senior Care Specialist or other specialized health management professional will then provide specialized health management services, including the provision of information and appropriate referrals, as illustrated by box B9. This will be discussed further in connection with
Turning to
Once contact is established, the coach or specialized health management personnel determines the needs of the insured, as illustrated by box C2. For an initial or periodic contact, this may be conducted by assessment using the personalized health assessment tool, by conducting a discussion or a series of questions to assess the emotional, physical, functioning, pain, and general health status of the insured. The level of urgency and an identification of any new chronic conditions may be conducted. This information may either be used to update and revise the personal health management plan. When a chronic condition is noted, the coach should obtain the following information, regardless of the specific condition: the history; how and when the condition was diagnosed; the insured's treatment compliance; if there are any treatment medications; and the diet, exercise and associated diagnosis of the insured. A request for authorization or permission to contact the insured's treatment team may also be made. All this information may then be gathered and used to update the personal health management plan and determine the current health management needs of the insured.
With respect to specialized health management personal, more specialized information may be obtained. For example, a Senior Care Specialist may ascertain a caller's relationship to insured, identify the insured (or the insured's family's) goals for the consultation, and obtain a brief history of the situation. This may include the insured's living situation, most pressing issues, immediate safety and medical concerns. With respect to potential use of long-term care benefits, the history may include any concerns of abuse or neglect, whether any dementia is present of suspected, the identity of the primary caregiver and the primary caregiver's employment and support system, any family dissention, financial concerns or other perceived barriers, the history of treatment or interventions tried and the assistance/services that are presently being received.
The determination of needs may occur through a discussion with a trained coach or specialist, or may follow a scripted set of areas or questions for examination, which may be maintained in a computer database to ensure that all required information and areas are covered. Following the determination of needs, the available resources through the HMP are examined, as illustrated by box C3. This may be conducted by the coach or specialist, or may be conducted by a computer executing commands contained as lines of software code, in accordance with a protocol and examining a database of available resources.
Once the resources have been examined, the action determined to be appropriate is taken by the HMP, as illustrated by box C4. This may be a referral to a community resource, outside professional, a counselor or a specialized health management professional by a coach, the revising of the personalized health management plan and the generation of a new periodic contact schedule or other available appropriate options. For example, should an insured by be concerned about weight management, or be diagnosed with diabetes or high blood pressure, contact with the HMP may be made and a coach may provide appropriate referrals and information. In this way, an insured may realize, at a younger age, an immediate benefit from a long-term care insurance policy, which allows for more flexible marketing of the policies and may encourage sales to younger individuals interested in health management plans.
For specialized health management personnel, appropriate action may include the education of the insured or the insured's caregiver on relevant aspects of the care receiver's situation and condition (as allowed by HIPAA or other law). It may also include providing information on possible and cost-effective resources, alternatives and solutions, making appropriate referrals to categories of medical professionals such as gerontologists, mental health services, specialists, rehabilitation therapies, balance centers, home safety assessment, adaptive equipment, PERS, hospice, etc., making appropriate referrals to financial services such as Medicaid qualification, accountants, etc., and advising the insured to assist in determining suitability. Where appropriate, actions such as making referrals to legal services such as elder law attorneys, estate-planning attorneys, Office of Public Guardian, Adult Protective Services, etc., making appropriate referrals to Aging Services programs such as Meals on Wheels, Senior Centers, National Family Caregiver Support Program, Medicaid waiver programs, subsidized housing, transportation services, Medicare/Medicaid questions, etc., and making appropriate resources to community resources such as the Alzheimer's Association, support groups, adult day programs, respite care, faith communities, hiring a private caregiver, etc., may be taken. Appropriate counseling in long-term care placement decisions and education on the available options may be provided by a Senior Care Specialist. Additionally, a Senior Care Specialist may assist the insured and the caregiver in identifying their informal support systems of family, friends, neighbors, and church resources. The need for follow-up with should be ascertained and, if needed scheduled.
The appropriate action to be taken may be determined by the comparison of the data obtained against the known averages fro the relevant populations, as discussed previously herein. Where the insured is within a "normal" range with respect to a specific health area, continuation of the health management services may be all that is required. Where the insured is categorized as "at risk" to a category, a more intensive intervention may be undertaken. The purpose of the more intensive intervention may be to extend the ability of the insured to maintain an independent lifestyle and not require long-term care. Such an intensive intervention may include in-person coaching, frequent contacts to discuss or provide training and support for specific issues and referrals to appropriate health care personnel.
Where desirable, a consultation on long-term care should be provided for each insured, before long-term care benefits are utilized. This allows the insured or the insured's caregiver or family to receive assistance in selecting appropriate long-term care. A consultation as outlined in the proceeding paragraph should be provided with the information outlined above gathered from, and provided to the insured, as appropriate. At this time, unless otherwise covered in the consultation, a Senior Care Specialist should also offer other information as appropriate. Examples of such information may include information on: 1) important legal documents for seniors: advance directive, will, durable powers of attorney for finances and health care, 2) Alzheimer's Disease, 3) Prescription drug assistance programs, 3) Aging Services, 4) National Family Caregiver Support Services, 5) Adaptive Equipment, and any other suitable information. Assistance in providing suitable long-term care and information on the various options should also be provided.
Where insureds go "off-benefit" and are no longer using the long-term care benefits of the insurance policy, appropriate action may include providing the insured with an "action pal" detailing actions and support that are needed for continued improvement of conditions or maintenance of health. For example, where an insured utilizes the long term care policy to cover care for a condition (such as recuperative care following major surgery) and no longer requires that policy benefit (at the end of such care), an "action plan" detailing action to firther improve that condition ant to otherwise maintain health status may be provided. Such action plans may be prepared in conjunction with the appropriate health care providers.
Where appropriate and allowed under the law, the HMP may provide information gathered regarding the insured during the provision of the personalized health management plan to the insurer for use in underwriting, reflected in rate adjustments over time, or for the revision of underwriting rules and assumptions for prospective insureds based upon the experiences of actual insureds. It will be appreciated that the HMP may be a division or operating unit of an insurance company offering policies that operates in accordance with the methods of the present invention, or may be a separate entity that offers health and benefit management services and contracts with an insurer to provide health management services in connection with a long-term care policy.
While this invention has been described in certain embodiments, the present invention can be further modified with the spirit and scope of this disclosure. This application is therefore intended to cover any variations, uses, or adaptations of the invention using its general principles. Further, this application is intended to cover such departures from the present disclosure as come within known or customary practices in the art to which this invention pertains and which fall within the limits of the appended claims.
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|U.S. Classification
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|International Classification
|Cooperative Classification
|European Classification
|Jan 14, 2005
Owner name: EQUITABLE LIFE AND CASUALTY INSURANCE, UTAH
Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:TRANI, LOUIS M.;REEL/FRAME:016193/0724
Effective date: 20050113
|Aug 8, 2014
|Fee payment
Year of fee payment: 4


text:
Hand Made in Britain - The Visitors Guide
Crimson Publishing, Limited, Nov 30, 2001 - Travel - 288 pages
An exciting title designed to guide people to the wealth of design talent and artistic expertise which is currently resurgent around Britain. As people are becoming increasingly dissatisfied with the anonymous uniformity of factory goods they are looking for a rejuvenation of old skills and the development of new ones.
A book for: Tourists wanting to visit workshops to see wood turning, glassblowers, toymakers, potters etc. at work: Holidaymakers looking for galleries and craft shops in which to purchase hand made artefacts: Homemakers who wish to find out where to find hand crafted tiles, sundials, tables, fountains or other items for house or garden: Buyers and Collectors who can use the book as a mail order catalogue for buying anything from rocking horses and dolls' houses to walking sticks and clay pipes.
The book is lavishly produced, printed in two colours throughout plus a full colour 16 page Gallery Guide section. It includes fourteen regional chapters - all with maps - divided by craft, from ceramics and silver to furniture and toys.
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Cornwall and The Scilly Isles
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access Credit cards artists available Credit cards available upon request available Wheelchair access bowls Brewery Bridge car park ceramics colours Commissions contemporary Cornwall Cottage Craft Centre craftspeople Credit cards Directions Cumbria decorative designs Devon display East Sussex exhibitions Eyam Hall Farm follow brown follow signs furniture gallery garden gifts given when appointment glazes half miles hardwoods High Street House jewellery junction Lane Mail order available makers miles north Mill Mon-Fri Mon-Sun Museum North Yorkshire Nuneaton one-off paintings Parking available Credit Parking available Directions Parking available Wheelchair Pembrokeshire pieces porcelain pots pottery Prices range prior appointment necessary produce range includes right Opening hours roundabout Scottish Borders sculpture sells showroom signposted silk silver Skye Somerset specialises stained glass stoneware studio Tel/fax telephone textiles traditional Tues-Sat Tues-Sun turn left turn right unique village vineyard Visitors Wheelchair access Credit Wheelchair access Directions wide range wood woodturning workshop Wroxham yards


text:
We often come across interesting articles that we do not always have the time to read. Sure, we all know the common method for reading a web page later is to bookmark it in your browser and access it whenever we want to get back to it. However,the problem is that your browser will only save the link and not the content of the web page.
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Install the bookmarklet
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you want to read later to your account automatically. To install it, log into your account and go to this page and drag the pocket button to your browser's bookmark tab. Each time you visit a new website you want to save for later reference, click on this button.
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Better than the official bookmarklet,Orbious Interest is an extension for Chrome that gives you more features like Add,Remove and Edit Pages.After installing the plug in , click on the red cross at the top of your browser,click on the 'Mark as unread' button and then add a few tags to the page you are saving .Unfortunately the offline reading mode is not available in Chrome.
View Offline on mobile device and your computer
To consult your saved web pages offline on your computer ,you should download Read It Later plug in and click the 'down arrow' icon from the plug in option.This will then save all content to your computer locally.You can then select a web page from the Reading List to view a web page offline.
If you want to view it on your Ipad/Iphone or Android smartphone,download the corresponding application from the official website.You can see screenshots below how darktips articles appear on the Pocket Ipad app.(Click to enlarge).


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Truck rolls near Ashhurst
A truck crash in the early hours of the morning sent Ashhurst residents flying out of bed as the heavy hauler screeched down the highway on its side.
The crash, involving just one vehicle, happened about 2am today on Napier Rd near Ashhurst.
Ross Castle, who lives near where the crash happened, said at first, he thought another earthquake had hit.
''Because the ground just shook, it was like an earthquake - just wham, bam.''
The truck slid for about 10 seconds, making a ''massive'' noise and rumble, he said.
Mr Castle said he and his wife sat ''bolt upright'' in bed, and in the few minutes it took them to dress and take their car to the scene - with the aim of providing some light, there was already six or seven other neighbours there.
The truck was at a full right angle across the road, he said.
A crate from inside the truck, carrying a load of foodstuffs, had burst out and scattered milk bottles in its wake.
Mr Castle said his wife was trained as a nurse, and he had done first aid, but the driver of the vehicle managed to kick the windscreen out and walked away with a few scratches.
The road had been completely cleared by 5.30am.
Manawatu Standard


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Prayer Ventures for May 17, 2017
Every day, Living Lutheran offers a prayer for the day from the ELCA resource Prayer Ventures, which can be downloaded here. These petitions are offered as a guide for your own prayer life as together we pray for the needs of the world and give thanks for the ministries of our church.
Wednesday, May 17: Jesus is the cornerstone and foundation of our faith, church and life. We pray we are faithful, willing servants of the church and witnesses to the world, drawing on the strength and spirit of Jesus Christ for the work of sharing the good news and serving our neighbor.
The post May 17 appeared first on Living Lutheran.


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Cheekbone filler looks great in repose, but distorts the apples of my cheeks when I smile. Can you recommend a solution?
Doctor Answers 5
Filler in Cheeks
Great question, I think when you are having fillers injected into the face you need to evaluate the face at rest and in motion (smiling, laughing, talking). The amount of fillers that are placed in a face may vary depending on your facial expressions and the look you are trying to achieve all around. I think its a balance. I would recommend seeing a board certified physician who will evaluate you in person. A picture would also be helpful of you at rest and one of you smiling. Hope this helps.
Learn more: http://drbrackup.com/
Facial fillers (various HAs) have given me cheekbones that look lovely when not smiling but cheeks too full when smiling.
Hi, non smiling photos of your face from the front and side would help with the evaluation. I have performed many facial shaping procedures using dermal fillers, facial implants (cheek, chin), liposuction and/or facelifts for over 30 years. Following the beauty principles outlined in my book on face and body beauty, women look the most feminine, youthful and attractive with heart shaped faces. Heart shaped faces have cheeks that are full and round in the front. Cheek augmentation with a dermal filler or using cheek implants for a permanent enhancement will create full, round cheeks that will feminize the entire face.
From your description, I suspect that there is excess fat below and in front of the flat area of your cheeks that is brought back up on the cheeks with smiling making them look too full and large. Liposuction to reduce the excess fat combined with precise placement of an HA dermal filler to the front of the cheeks or cheek implants for a permanent enhancement might be considered.
Hope this helps.
Learn more: http://www.beverlyhills-plasticsurgery.com/cheek-implants/
Overly Full--Facial fillers (Voluma, Radiesse, Perlane, Bellafill): Sculptra, implants or fat for cheek augmentation
This is difficult to answer without a picture. In addition to fillers (Voluma, Radiesse, Perlane, Bellafill): Sculptra, implants or fat can be used for cheek augmentation. It may be an adjustment needs to be made to the amount injected or a different technique would give you better results. I recommend getting a formal consultation with a facial contouring expert. Best, Dr. Emer
Learn more: https://www.youtube.com/channel/UCa6C2fuS-AgOnvBjr6_VSQg
You might also like...
Proper Facial Volumizing With Fillers Should Take Into Account Contours At-Rest & In-Motion
I have been performing facial volumizing using injectable fillers for many years. Experienced aesthetic physicians typically take into consideration not only how the person looks at rest, but how they look when they smile or otherwise emote. This is why when I evaluate patients I not only do so when their faces are at rest, but also at full smile, so that I can better adjust how much filler to inject and precisely where to inject it for best effect. I recently treated a patient with a situation just as yours treated by another physician. In this particular case, the patient opted for me to reduce the apple cheek look somewhat upon smiling with hyauronidase.
Learn more: http://YoungerLookingWithoutSurgery.com
Cheekbone Filler
The type of filler and where it is injected is the most important factor in achieving a natural and youthful result. Are you able to provide a photo? Consider a consultation with an experienced injector to review your concerns and goals. Good luck!
Learn more: http://nseye.com
These answers are for educational purposes and should not be relied upon as a substitute for medical advice you may receive from your physician. If you have a medical emergency, please call 911. These answers do not constitute or initiate a patient/doctor relationship.


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What to Do Before Purchasing Treadmills
People are getting more and more obsessed about hitting treadmills because of how fit it can make them. People should invest in their health because it would take them far in life. There are things you need to consider when buying this product as it would ensure ideal results. As soon as this part of your home, you can figure out the perfect health routine that would get you looking your best. You would be able to exercise whether the weather permits it or not because you can simply do it in your own home.
Purchase the ideal treadmill unit for you. Another factor in your progress would be the pace or the speed at which you are working out in. All your have to do is regulate the pace if you want to go faster. As the best moves faster, you can also move along with it as well. Make sure you have one in your house because it's really what every homeowner needs. You would surely find this quite enjoyable, and so would your family. There are various types of models being sold in the market so do be sure to select the highest quality option.
There are products with automatic features that you can take advantage of. This would make a really good cardio exercise as it increases blood flow throughout the entire body. This is the kind of venture that would improve your health in all the ways that matter so be sure to do it really well. Be sure to read some reviews about these treadmills as it would help you know which one works best for you. There are models that have cooling effects and they are usually the better ones to purchase. These electronic machines have to handled quite well. You can get feedback from people who have bought these items in the past. You can burn calories while walking around using these machines.
There are models that have really good features, such as the ones that can monitor your heart rate. The machine you choose should always show accurate information at all times. There are other factors which you need to be particular of; especially after doing your research and figuring out they are exactly what you need. The machine has to be convenient so be sure to program it that way. You can get fit and look even more beautiful than you already do. There is no need to head out because you can do everything inside your home. You should figure out how intense your workout would be because this will get you even closer to your goal. Do your research on the ideal features that would work for you since this enhances your drive to exercise and become the best person you can be.
Partner post: http://yourtreadmillguide.my-free.website/


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The Fotomuseum will deal with your order after receipt of your payment.
In the case of books or packaging materials, you will receive your order within five working days, if they are in stock. You will receive photo prints and fibre-based photographic prints within ten working days.
Free Shipping when ordering more than 50 euro in The Nederlands
Shipping costs in The Nederland: 2,95 euro
International Shipping costs starting from: 13 euro


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School Bus Driver Under Investigation for Picking Up Woman, Dog on Route
Katie Chapman of Oklahoma may lose her job for giving a ride to a woman and her dog with students onboard. Chapman says she thought the woman might be in danger.
The state directors association strengthened its position in support of lap-shoulder belts for school buses, a key development during the group's annual conference in Grand Rapids, Mich., in October.
Previously, the National Association of State Directors of Pupil Transportation Services (NASDPTS) had gone on the record to support lap-shoulder belts if funding is made available for them. But that statement had begun to seem inconsequential considering economic conditions.
"All of us know that funding is not currently generally available, and I doubt anyone thinks it will become available anytime in the near future," NASDPTS President Max Christensen said. "Thus our position really seemed to be a 'non-position.'"
At the Grand Rapids gathering, the NASDPTS board decided to bolster its support for the three-point restraints by dropping the funding clause from its position.
"As of today, NASDPTS fully supports the installation and use of lap-shoulder belts in school buses, period, with no ifs, ands or buts," Christensen said.
However, the board noted that it should be left up to school districts whether to equip their buses with the restraints.
"We are not recommending the installation and use, nor are we asking that lap-shoulder belts be required," Christensen said. "We believe this should be a local decision based on local need."
NASDPTS' position papers on the topic will be updated to reflect the new position.
Seat belts on school buses has been a contentious topic in the industry for several decades, but Christensen said that the NASDPTS board felt it was time to take "a true leadership position" on the issue.
Michigan matters
During NASDPTS conference sessions at the DeVos Place Convention Center, on the banks of the chilly Grand River, attendees heard from several Michigan officials involved in transportation safety. That included a welcome from state pupil transportation director Ken Micklash and an overview of the Michigan Traffic Crash Facts website (www.michigantrafficcrashfacts.org), which allows users to analyze accidents involving school buses, among other vehicles.
Sgt. Mike McLaughlin of the Michigan State Police shared details on changes to the state's school bus inspection program. The agency is implementing tablets for its inspectors and moving to an electronic inspection form, which McLaughlin said will increase efficiency and access to key information.
"All the data that's in there will be searchable," he said. "We're going to have more data available to us than we even realize now."
Crash analyses
NASDPTS held two joint keynote sessions with the National Association for Pupil Transportation (NAPT). Both of those presentations examined fatal bus crashes.
Christopher Hart, vice chairman of the National Transportation Safety Board, discussed his agency's investigations of two similar school bus accidents in 2012 — one in Chesterfield, N.J., and the other in Port St. Lucie, Fla. In the other session, attendees watched a documentary on the 1988 Carrollton, Ky., bus tragedy. (For more on those two sessions, see this article.)
Also during the joint gathering of NASDPTS and NAPT attendees, the American School Bus Council presented its School Bus Champions award to Washington State Superintendent Randy Dorn and his chief of staff, Ken Kanikeberg. Both have been instrumental in increasing pupil transportation funding and protecting regional coordinator positions in their state.
"During the last [legislative] session, they secured another $109 million in funding for pupil transportation in Washington for the next two years," said Don Carnahan, former Washington state pupil transportation director and now president of NAPT. "This is not a one-time deal for these gentlemen. They have actively supported pupil transportation initiatives for many years."
Variety of topics
Other NASDPTS sessions included:
• Donny Bynum, superintendent of Dale County (Ala.) Schools, shared his district's experiences and lessons learned in the early 2013 incident in which school bus driver Charles "Chuck" Poland Jr. was fatally shot and a 5-year-old student was taken hostage.
• Launi Hardin, transportation director at Washington County School District in St. George, Utah, discussed Obamacare and its implications for school districts and their bus drivers.
• Washington state pupil transportation director Allan Jones put a humorous spin on his presentation about marijuana legalization in Washington and its possible effects on school bus drivers.
The 2014 NASDPTS conference will be held in Kansas City, Mo., Nov. 9-12.
Related Topics: conferences, NASDPTS, seat belts
Katie Chapman of Oklahoma may lose her job for giving a ride to a woman and her dog with students onboard. Chapman says she thought the woman might be in danger.
Rod Price of Kentucky is approached by a boy who is choking and turning blue and quickly performs the Heimlich maneuver on him.
A public workshop will seek input on the state's use of its $423 million share of the VW diesel settlement funding.
Whether it's a natural disaster or some other crisis, you never know when your school buses might need to come to the rescue.
The integration will help streamline maintenance and driver vehicle inspection report handling, according to the companies.
NAPT's executive director says that despite a recent questionable news story, even one sexual predator behind the wheel of a school bus is one too many, and that the industry should focus on ensuring it doesn't happen again.
Raybestos' new Commercial Vehicle Application Catalog and Specification Guide (BPI-CV17) is designed to help fleet managers and professional service technicians meet the demands of maintaining and repairing commercial vehicles.
The lawsuit involved Rosco's patented technology for its MOR-Vision Mirror/Monitor Combo Backup Camera System for school buses.
Logging more than 15,000 miles annually, Ila Beemer made it her goal to drive her great-grandchildren.
The director of transportation at Columbia County (Ga.) School District discusses his background and the changes he has brought to his department.
The storm caused widespread power outages, wind damage, and flooding in Florida and beyond. School buses pitched in for evacuations and braced for impact.
Many school buses in Florida evacuated residents before Hurricane Irma hit. Here, Hillsborough County Public Schools drivers share their experiences helping people in need.
Richard Hall of Virginia suffers an unknown medical emergency just before starting his afternoon route.
Krapf School Bus' recent acquisition of Birnie Bus is one of its most significant expansions in its 75-year history. The companies' shared values will help Krapf maintain the core values of its foundation.
Atlanta Public Schools recruited new technicians and fleet managers with a variety of mechanical backgrounds, which has fostered better group problem solving.
Get the latest news and most popular articles from SBF delivered straight to your inbox. Stay on top of the school bus industry and don't miss a thing!


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