Tyrone

In recent years, heart disease has become the leading cause of death and disability in the world. This is despite the tremendous advances in diagnosis and treatment. Surgery and drugs are temporary aids and are not adequate to treat all the risk factors that cause heart disease.

Heart ailments are now affecting people in younger age groups. The biggest reason is changing lifestyles, high stress, inadequate nutrition, sedentary habits, increased use of tobacco and alcohol, at a younger age. But this can be prevented and perhaps reversed with proper diet and exercise.

Foods To Avoid:

1. Saturated fats red meat, dairy (butter, full fat milk, cream, cheese), poultry and eggs.

2. Foods that have omega-6 polyunsaturated oils like corn, sunflower and safflower. Trans-fats found in margarine, processed foods and baked flour products.

3. All foods that contain sugar and are rich in calories breads, rolls, muffins, cookies, cakes, chips and soft drinks.

Foods To Include:

1.A plant-based diet boosts the immune system. Include a wide assortment of vegetables broccoli, cabbage, cauliflower, greens, pumpkin, sprouts, onion, garlic, and fruits (berries, grapes, plums, citrus, apple, pineapple, banana and papaya).

2.Include food rich in vitamins and minerals almonds, walnuts seafood, and whole grains. These are rich in vitamin E, omega-3 fats and contain selenium as well as dietary fibre.

EXERCISE:

Can include walking, stretching, yoga, and some gentle noncompetitive games. You do not have to walk fast or far, to gain enormous benefits. Moderate exercise for 30 minutes preferable every day or every alternate day, at a comfortable pace will make your immune system stronger and protect against build up of blockages in the arteries. Even a yoga for half an hour could be more useful.

Whatever may be the practices the diet is to be regulated. It is the balanced diet which is helpful to stay away from the heart attack and heart burn.

The author Cher K Markov is not a medical professional and offers this information for educational purposes only. However, one can find more articles on Heartburn Cure and access other Heartburn Cure Treatment at her website.

When you have a disability of any type, your time, energy, and emotions are all heightened as you begin the journey to learn all you can so that you can regain the best quality of life that you can, given your particular circumstances. And, if you are married, and/or if you have children, trying to communicate with them what is going on with you, as well as to your doctors, becomes a difficult chore also.

With all of this chaos in your life, the absolute last thing that you need to worry about is money! What if I cant work any longer? How will the bills be paid?

Perhaps you are saying that you do not need any disability insurance. Consider the following.

Disability Statistics[1]

The odds of a person having at least one long term disability (LTD) that lasts three months or longer before that person reaches age 65.

DISABLED: (1999) According to the Disability Management Sourcebook, the number of folks between 17 and 44 with severe disabilities has increased 400 percent over the past 25 years. One in seven people will become disabled for five years or more before they reach 65.

ODDS, STATISTICS AND DISABILITIES: (1999) The chances of using your homeowners insurance are about 1 in 88. The odds of using your auto insurance at about 1 in 47. The chances of using your LTC insurance is about 2 in 5. One out of two women and one out of three men will spend some time in a nursing home. (Journal of the American Society of CLU, 1996) More than 12 million older Americans will require some form of long term care by 2020. (Health Insurance Association of America). 72% of residents in a nursing home are women 90% of nursing home residents are over the age of 65. 22% of the disabled population is under age 65. (Puget Sound Life Underwriters Journal 1996). Functionally disabled people between the ages of 18 and 64 represent 40% of Americans needing long term care services. (Life Insurance Selling 1995)

The likelihood of needing LTC (obviously) increases with age. In 1991, 29.2% if those age 45- 64 had a disability; 44.6% between 65 and 74 had a disability; 63.7% between the ages of 75 to 84. 15.3% and 41.5% respectively had a severe disability. (Employee Benefit Research Institute, 1995) 80% of disabled persons are cared for at home or in adult day care centers. 72% of caregivers are family or friends. (Puget Sound Underwriters Journal). The cost of home care can run from $4.25 to over $200 daily depending on the level of skill needed (SF Chronicle, 1995). Caring for each Alzheimers patient will cost more than $213,000- on top of other medical expenses- over the remaining five years of their lives. (American Journal of Public Health, 1994). Over 99% of nursing home care is either custodial or intermediate care, not skilled care, and is not covered by Medicare or Medicare supplements (Journal of the American Society of CLU's, 1996).

Reasons People Take STD and LTD

Leading the list of Top 5 causes of short-term disability (STD) workplace absence for 2001 was pregnancy (normal), followed by complications from pregnancy, injuries (excluding back), back conditions and digestive/intestinal conditions. The causes of claims and the percentage received for each cause were as follows:

LTD - 13 percent Cancer, 12 percent Complications from Pregnancy, 11 percent Back, 9 percent Cardiovascular, 5 percent Depression (2003) every year 12% of the adult U.S. population suffers a long-term disability. One out of every seven workers will suffer a five-year or longer period of disability before age 65, and if youre 35 now, your chances of experiencing a three-month or longer disability before you reach age 65 are 50%. If youre 45, the figure is 44%

STD - 20 percent Pregnancy (Normal), 9 percent Pregnancy (Complications), 9 percent Injuries (Excluding Back), 8 percent Back, 8 percent Digestive/Intestinal

The primary sources of disability insurance are STD and LTD. It is important to see if your company offers these insurances. If they do, make sure that you are covered. If they dont, you can get personal STD and LTD. By visiting the following website, you can get more information about disability insurances.

How Much Disability Insurance is "Enough"?

Research shows the following about employer-offered STD (short term disability) and LTD (long term disability).

Disability Insurance: ( 2003) In small private firms, fewer than one-quarter of workers have short-term disability coverage (22%), and just 13 percent have long-term disability income insurance, according to the Bureau of Labor Statistics.

Half of workers at large employers (100 or more employees) have short-term disability income insurance (47%), and more than one-third have long-term disability coverage (40%).

Disability coverage (American Council of Insurers 2004) 82% of employees are lacking in adequate coverage.

The Society of Actuaries says that only 2.5% of employees have individual disability coverage (i.e., paid for by the employee and not the company).

If you have already read the other blogs about Disability insurance, you know how important it is to know about what types of insurance you have, and how much each insurance will pay out, if and when you need it.

Now, you know how much your STD and LTD will pay out each month. The question is, how much SHOULD YOU HAVE?

There are some simple ways to determine just how much is "enough", and it varies for each family.

1) Sick leave - maintain at minimum 5 days, and, at best, 10 days. In this way, you will be able to meet a usual time gap before your STD kicks in.

2) STD - most STD policies cover up to 26 weeks. To make sure that you have "enough" STD TIME coverage, the weeks should cover your LTD's elimination period.

3) LTD - timewise, you will want your LTD plan to cover you until your retirement age. (Note, not all retirement ages are at 65. The retirement ages are increasing; make sure that you know your specific retirement age.)

Now, let's talk about money. To calculate how much money is needed by you and your family, consider the following.

For each month, note the following.

1) OUTGO Your "must pay" expenses (including, but not limited to the following: house payment; utilities; car and gasoline; medical expenses; any child care; any loans, credit cards, etc.)

2) INCOME ON DISABILITY Add together any income other than yours (i.e., spouse's income) plus whatever you will receive on a monthly basis from your company-paid STD and/or LTD. Add to this amount whatever savings you have, and how long this would last.

The gap between income on disability and outgo would be the amount of income that you might want to offset with a private LTD policy.

WHY THE NEED FOR DISABILITY INSURANCE BENEFITS? What are the odds?: (2005) in the next hour 194 people will be injured in car accidents, 57 homes will catch fire, 230 people will die, and 1,027 will become disabled.

Here are the latest disability trends that concern you.

* Today, we live harder, work harder and play harder than ever before. As a consequence, there has been a dramatic increase in disabling injuries and illnesses.

* In the past 25 years, the number of severely disabled people ages 17 to 44 has increased 400 percent. While the number of people with protection has also increased, most Americans still have a disability income protection gap.

* This is alarming when you consider in a year's time, chances are only one in 1,200 of you will need your fire insurancegenerally considered a necessity for homeownersbut one in eight (8) of you will be sick, injured or killed.

* The risk of becoming disabled will continue to increase.

Aging is a main factor.

* Because of advanced trauma and cancer care, more people today survive illnesses and injuries that were deadly 20 years ago. In 1930, the average U.S. life expectancy was 61; today, it is 76; and by the year 2050, it will be 82. Today, there are 3.6 million Americans over age 65; by 2040, there will be 13.8 million.

* With Americans now living longer, age has and will continue to have a profound impact on disabilities. According to the National Association of Health Underwriters, there are 3.74 disabilities per 1,000 people ages 45 to 49. This increases nearly five times more with age, to 15.18 disabilities per 1,000 people ages 60 to 64.

* In addition, the traditional retirement age is moving up, and more people are likely to work part-time after retirement, thus increasing the risk of a disability later in their life.

Changing workforce

* More than 10.5 million people are starting their own businesses, consulting or working at home, according to the Bureau of Labor Statistics. And more women than ever are now working; many families today rely on two incomes. In the early 1900s, there were only 500,000 married women in the labor force. They represented just 4.5 percent of all married women. Today, there are about 39 million married women working outside the home (representing 60 percent of all married women), and 17 million of them have children under age six.

* With more women working and families relying on two incomes, the need for disability protection has become greater, especially since women are twice as likely to suffer a disabling illness than men. And with more people working out of their homes and earning substantial incomes, the need for more flexible, individualized protection is on the rise.

Increase in workplace disabilities

* Over the years, the causes of disabilities have changed in the workplace.

* Today, disabilities due to psychiatric conditions, severe back pains, Carpal Tunnel Syndrome, muscle/tissue disorders and Chronic Fatigue Syndrome are increasing dramatically. Among the most common long-term disabilities (those lasting longer than three years) are circulatory and heart conditions, back disorders, psychiatric conditions, general sickness and subjective pain.

* Common short-term disabilities (those lasting less than three years) include normal pregnancies as well as pregnancies with complications, injuries, muscular or skeletal problems, and psychiatric or substance abuse problems.

About Disabilitykey.com & Carolyn Magura: Disabilitykey.com is a website designed to assist each person in his/her own unique quest to navigate through the difficult and often conflicting and misleading information about coping with disabilities.

Carolyn Magura, noted disability / ADA expert, has written an e-Book documenting the process that allowed her to:

a) continue to work and receive her full salary while on Long Term Disability; and

b) become the first person in her State to qualify for Social Security Disability the FIRST TIME, in UNDER 30 DAYS.

Click here to receive Carolyn 's easy-to-read, easy-to-follow direct guide through this difficult, trying process. If you are disabled, don't let this disabiling process disable you. Read Carolyns Disability Key Blog.

Bass fishing with topwater baits is without a doubt the most fun you can have fishing for large or smallmouth bass. People watch these bass tournaments on the tube and see all these pros using plastic and spinner baits jigs and crankbaits, forget about the fun and excitement you get with topwater baits. Topwater baits create great action and stories to pass on to family and fishing friends.

Bass fishing with topwater baits is without a doubt the most fun you can have fishing for large or smallmouth bass. People watch these bass tournaments on the tube and see all these pros using plastic and spinner baits jigs and crankbaits, forget about the fun and excitement you get with topwater baits. Topwater baits create great action and stories to pass on to family and fishing friends.

The best time I find for topwater bass fishing is in summer, the colder the water the slower the response, and the more you have to work that bait. Early morning and evening are best for topwater bass fishing.

Of course weather effects your choice of lures also, on a bright sunny day it is better to have a light wind to go with it, a bit of a chop makes the bass less spooky. On a calm sunny day use a heavier lure and lighter line for longer casts. Bass tend to become real spooky in calm and clear water, so the further the cast from you the better off you'll be.

Wind can also change the type of topwater bait you can use I believe that when the wind comes up you should use a smaller bait that makes a lot of noise. The larger baits just plow through the chop, while the smaller baits ride the chop and still make that enticing noise to get the strike you want. Also try to fish through the troughs created by the wind.

Bass fishing topwater baits has some of it's own quirks you want to be able to make pinpoint casts to cover areas and make a clear retrieve. Most of your topwater bass fishing will be done in shallow water over weed beds, flats and around objects and shoreline cover. The majority of bass population remains in shallow water all summer.

To fish bass with topwater baits cast about a foot or two past your target and bring it as close to the cover as possible. If you do not get a strike after the first few feet reel in and try again and make another cast. Fishing cover like this there is no need to reel the bait all the way to the boat. Work the bait slowly to get that strike from the bass that is hiding in the shadows and under cover. Have patience when fishing topwater baits, let the ripples disapear, and let the bait sit a few seconds before you make you retrieve.

When the bass strikes a topwater bait, wait till you feel the fish before you set the hook. If you try to set that hook when you first see the strike you'll miss more than you will catch. I can't count the times that lure has been nocked back towards me by the bass striking that topwater bait.

Now for some of the most popular baits, Poppers are among the oldest of topwater bass fishing lures. They have the dished out face with the line tie in the middle. When retrieved they make a slash noise or "bloop" when popped. Poppers work best in warm, calm, shallow, clear water. You get your action from the rod tip not reeling. The harder you snap the bait the more noise and commotion created.

Stickbaits are rounded, hot-dog shaped lures usually plastic or wood. weighted to float nose up. The only action they have is what the angler ads to make them work. These baits have appeal for big bass, just using the jerk, then real up slack and jerking again produces a good eratic side to side motion that gets lots of attention from bass.

Propbaits are cigar shaped and fitted with propellers on one or both ends. Propbaits can be worked fast or slow, quiet or loud, but stop and go retrieves are best. The bass will let you know what is best so vary your retrieve. Be sure to experiment, propbaits are dynamite around sunken logs, lily pads, and shallow cover. Be sure the blades on the lure run freely,

Wobblers and Crawlers, these baits are particularly best at night or early morning, Examples of these are the Jitterbug or the Crazy Crawler. They make a loud plopping sound when retrieved steadily. Use a steady slow retrieve for the best results with this bass bait.

Buzzbaits are a little like spinnerbaits desingned to be fished on the surface. There are two types, the opposite wire types, with the blade above the hook, and the inline type with everything on one shaft. Excellent for clear water, and pick up less weeds. Again experiment with your working of this bait, twitching and vary speeds to create different noises.

Weedless Spoons are also in this category, designed to be fished in dense cover, either through the thickest weeds, lily pads, or grass. They go through the toughest cover you can find. Fishing with weedless spoons for bass you will want to be using heavy fishing tackle, rods and reels. I like to point my rod tip at the lure on my retrieve, and again here be patient and allow the bass to take the lure.

Now just remember, get out there enjoy nature, fresh air and let's go fishing. When using these tips you will improve your results and of course have more fun.

Jack Phillips has been fishing Canada coast to coast for over 50 years. Fishing Canada provides solid advice for walleye, bass, pike, muskie, a variety of trout and more. Ideas on when and where to go on your next trip to Canada. Ice fishing tips. Delicious fish recipes to boot!