Wading Through the Health Insurance Swamp

The new health care legislation recently passed by the Obama administration should be of great benefit to those self-employed individuals who, until now, have had to pay for their own health insurance at extremely high rates. As individuals who are not members of a group which can use its numbers as clout to obtain better deals, individual insurance consumers and have had to pay for it, quite literally.

Bringing down the prices for these self-employed individuals and their families now opens up great opportunities for them to choose the perfect health insurance for themselves, at the right price. However, the large number of health insurance providers and their many offers and prices can make choosing the perfect health coverage a daunting task. In 2014 there will be ‘health insurance exchanges’ which, it is hoped, will provide a simple way for consumers to compare the large variety of plans. But until then, consumers are on their own. Or are they?

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Savvy consumers can employ the services of an insurance broker who can lead them through the swamp of numerous health plans, helping them find the right insurance coverage at the right price. Sometimes thought of as “relics from the past” insurance brokers have recently experienced a resurgence of demand and find that now they are busier than ever. According to Janet Trautwein, the chief executive of the National Association of Health Underwriters, “Our member brokers are reporting that the number of calls they receive has quadrupled since the president signed the health reform bill in March.” A recent survey by the Kaiser Family Foundation has estimated that about one third of individuals buying health insurance plans engage the services of an insurance broker.  Without the help of the broker, it would be impossible to make an informed choice in such a large marketplace of products available.

Get Ready for Great Fashion

Anyone who is anybody knows that this week is the Mercedes-Benz Fashion Week in New York.  So far, the New York Fashion Week has been full of excitement and surprises with a strategic use of sheer fashion and more.

The spring 2011 previews include a light, airy look that conveys the general optimistic feeling for the coming year.  On Sunday, the fashion crowd enjoyed the 25th anniversary party for Tommy Hilfiger.

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The week of splash and curves has included some of the best in the industry.  Victoria Beckham was showing off her new line, as were Derek Lam, Thakoon, DKNY, Cynthia Rowley and more.

Study Confirms Health Benefits of Eco-Atkins

In yet another study designed to find out what it is about the food that we eat that is killing us, it seems to be indicated that “diets low in carbohydrates but heavy on meat” may be making us sick.  Apparently, according to the comparison of two long –term studies, it is much healthier to populate your low-carb diet with plant-based proteins rather than red meat.

The first study followed about 85,000 women for 26 years, from 1980 until 2006. The second study examined the outcome of the diets of about 44,500 men for the 20 years from 1986 until 2006. The researchers looked carefully at the health results the two types of low-carb diets produced in their practitioners. The results were striking.

Men and women on the plant-based protein low carb diet showed a marked reduction in overall death rate, and a pronounced diminishing in the death rates from cancer and cardiovascular disease. Often a low-carb/high-protein diet is referred to as an “Atkins Diet” after the developer of this way of eating. Those on traditional Atkins diets, which incorporates a lot of meat foods such as sausages, bacon, steaks and the like, showed a 23% increased risk of death overall, with a 14% increase in dying from heart disease and a 28% increase in the chances of dying from cancer.

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Those who got their protein from plant sources, known as the ‘Eco-Atkins’ diet, showed a lower rate of overall death by 20%, and 23% lower death rate from cardiovascular disease.

The conclusions to draw seem clear. A low carb diet is only beneficial to one’s health if the source of all the protein and fat in one’s diet is not meat, but is instead things like avocados, peanut butter, soy, legumes, and nuts. Just eating fewer carbohydrates is not enough. The source of protein is crucial, as this study has shown.

What do Pete Sampras, and Wayne Gretzky Have in Common?

…and the answer is Charity.

Pete Sampras, and Wayne Gretzky have made the world a little bit better by giving their money to Charity.

Pete Sampras – Avon Breast Health Access Fund, Children’s Make a Wish Foundation, United Cerebral Palsy, and more

Pete Sampras was always a likable tennis great, but off the court he makes the difference in many charitable organizations. Here are just some of the many charities that Pete Sampras gives to:

  • The Kid’s Stuff Foundation
  • The Vitus Gerulaitis Youth Foundation
  • Revlon/UCLA Breast Center
  • Avon Breast Health Access Fund
  • American Cancer Society (member of the Public Awareness Board)
  • United Cerebral Palsy
  • The Silver Lining Ranch
  • Elton John’s Aids Foundation
  • Arthur Ashe Foundation for the Defeat of Aids
  • Children’s Make a Wish Foundation
  • Bill Johnson Tennis Foundation (Philadephia)

Wayne Gretzky – Wayne Gretzky Foundation

Besides starting his own his own charity foundation which has raised money for tzunami aid relief, Wayne Gretzky has donated time and money to the follow charities:

  • Casey Lee Ball Foundation
  • MedicAlert Foundation
  • Oxfam
  • Starkey Hearing Foundation
  • Watering Seeds Organization
  • Wayne Gretzky Foundation

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Warning: Swimming May Be Hazardous to Your Health

Three new studies that looked at the use of chemicals in pools have reported that regular swimmers may actually be in for some health risks.

Swimming is terrific exercise, but people who regularly swim in indoor pools may be exposing themselves to some health risks from the chemicals used to disinfect pools, according to new research.

The concern here is with disinfection byproducts.  These are substances that form in pool water from the reactions that occur between disinfectants and organic matter that naturally exists in the water. What the three studies have found is that long term exposure to these substances has been linked to an increased risk for bladder cancer.
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No one should panic just yet.  As the researchers all point out, their studies and the potential risk don’t, at the moment, out weight the health benefits of swimming.  These are preliminary studies and more long-term research is needed to explore these issues further.

Keeping Parents in the Know

In as tempting as it may be to completely move away from your parents – both geographically and emotionally – the time you spend at college can often be very hard for them. While they probably won’t say anything (since they don’t want to ruin it for you), chances are they are suffering somewhat from empty nest syndrome.  Of course, college is a time for you to really enjoy your independence and you should definitely make the most of that.  Still, there are some easy ways you can keep your parents in the loop without divulging too much information that will stab at that first taste of freedom. Here are some basic tips:
1.    Tell them your weekend plans; if you are planning an interesting excursion, this might be something that they will enjoy hearing about.
2.    Let them know about your lectures; talk to them about the subject matters and what is most interesting to you.
3.    If you’ve started a new sport since you began at college, talk to them about that.
4.    Ask them what they’ve been up to over the weekend; if you still have siblings at home, make sure to keep up the connection with them too. Despite any sibling rivalry you’ve experienced in the past, there is a good chance that now you’re out the house they’ll be missing you.
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5.    Tell them what you miss about home; home cooking, chatting to them, it doesn’t matter what it is.
Remember to keep it vanilla. You don’t want to rock the boat. The beginning of your college experience can certainly be fun and exciting for you but at the same time, it can be a rather difficult transition period for all those you’ve left behind.