Wellness and Health Is Only Common Sense


It’s amazing to me how far we’ve drifted away from common sense and reality, especially about out health. The more intelligent we’re supposed to be, the less we appear to know. Wellness and health need to be our intention and our priority, as we are unable to do anything whatsoever, if we’re sick.

We’re smart! Some of us are clever! But (in today’s world) how many of us are actually wise? Again, put this in the category of wellness and health, where the mind, body, and spirit need to be fine tuned and working in conjunction. According to the dictionary: 1) SMART: is mental alertness, calculations, resourcefulness, quickness and ease in learning 2) CLEVER: is cagey, showing self-interest in dealing with others, and 3) WISDOM: is accumulated knowledge or enlightenment; the trait of utilizing knowledge and experience with common sense and insight and the quality of being prudent and sensible. According to the wise elders I grew up around, ‘To be smart, without wisdom was a ‘game for fools’


Last year sometime (I think), Comedy Central’s Jon Stewart did ‘A Rally to Restore Sanity’ where over 250,000 people attended in Washington, D.C. Stephen Colbert was his ‘nemesis’ with the Fear factor. The same sanity/fear dichotomy happens BIG TIME in the world of health; almost bigger than anything else I can think of. The American health nightmare is one the grandest fear stories ever told. In one respect, it’s scarier than the actual story; in another respect, it’s not scary at all. That’s the dual nature of our Universal forces.

So, let’s be clear…when I see headlines like ‘Can Herbs Prolong Our Lives’ or ‘Is Vitamin C Really Good For You’, I’m shocked and appalled at how little most of us know about earth, nature, our own bodies, and how (all things whole, or not whole) relate to being healthy or sick. Explaining this in simple language could really make this a very long article; however, I’ll make every attempt at being brief, without sacrificing too much of the substance.

Inexpensive Health Insurance – 3 Secrets To Lower Health Care Premiums

When you consider the costs of treating even one health problem, then you’ll appreciate the need for health insurance. But with budgets being stretched already, finding inexpensive health insurance and cutting costs wherever possible is vital. If you’re trying to save money then have a look at whether you can cut costs in one of these three ways:

1) Increase Your Deductible

One of the quickest ways to make your health coverage more affordable is to increase your deductible. Statistics show that raising your deductible usually pays off in proportion to how many times you claim on your insurance. If you want to raise it extremely high then you can looking into health savings plans to help make this less of a risk.

2) Change Certain Aspects Of Your Lifestyle: Smoking And Your Credit Score

Changing your lifestyle is another sure-fire way to reduce your insurance costs. Smoking may be the most expensive habit of all – not just in how much it costs to buy cigarettes, but also due to the fact that insurers will almost always charge you more than non-smokers. Depending on your insurer, you could start to save money within just a year of giving up smoking.

Your credit score is another part of your lifestyle that you’ll want to improve in order to benefit from cheaper insurance premiums. Insurance companies use this to find out more about you, and improving your score can take you a lot closer to securing those inexpensive health insurance plans.

3) Do Your Research

This really is the key to finding affordable health coverage, even if it’s provided by your employer. You’ll almost always have a choice of insurer and you could be wasting money if you don’t bother to shop around. You’re obviously limited if you’re insured through your employer, but if you’re insured independently then you can take advantage of a number of comparison websites.

The best part of this step is that it’s a lot easier than you might think! For example, if you’re looking for a California health insurance quote you’ll simply need to enter your zip code and a few more pieces of information on a comparison website. It really is as simple as that!

While not all of these tips may apply to you, the truth is that most people are in a position to do something that’ll reduce their health insurance premium today!

Can Health Savings Account Funds Be Used To Pay For Health Insurance Premiums?

While Health Savings Account (HSA) funds can be used for a long list of health care expenses before you become 65, these funds cannot be used to pay your monthly premiums for your high-deductible health insurance. Once you turn 65, though, it’s a different story. At that time, you can withdraw money from your HSA to pay for anything without incurring a 20-percent penalty on the withdrawal. You will have to pay taxes on the withdrawal, though.

Health Savings Accounts May Be Used To Pay For Qualified Long-term Care Insurance

Health insurance is critically important, but it doesn’t cover a significant amount of the care that is often needed as people age. Long-term care insurance helps with the day-to-day assisted living expenses that aren’t covered by health insurance, including help that can keep you in your own home or increase care in an assisted living facility or nursing home.

By age 65, nearly 40 percent of people spend some time in a nursing home, which may only mean a short-term stay while recovering from a fall or other injury that makes independent living difficult. Neither Medicare, nor Medicare Supplement policies, covers long-term care expenses and those costs can be unmanageable. It’s typical for private nursing home costs to range from $65,000 to $90,000 per year!

When looking into long-term care plans, it is important to understand certain features that govern how the plans work. Be sure that your plan covers a range of locations, including adult day care, assisted living facilities and at-home services. Also, confirm exactly what triggers these benefits. Typically, the benefits become available when you are no longer able to perform at least two activities required during daily living.

Long-term care insurance also has limits on benefits, such as how much it will pay for a specific service or a period of time that it will cover a specific service. Even though the average stay in a nursing facility is about 2.5 years, you may want to see what it costs for lifetime coverage. On that note, you may also be interested in an inflation rider to protect you from inflationary cost increases.

Long-term care insurance also has elimination periods, during which you must pay for your long-term care expenses. Typically, the longer that period lasts, the lower the cost of coverage will be, much like the trade-off of low premiums for high-deductible health insurance.

What Else Can Health Savings Accounts Be Used To Fund?

You can withdraw funds from your HSA and pay for many services not covered by health insurance even before you turn 65. Common withdrawals include dental expenses because typical dental policies only have limited coverage for a restricted network of dentists.

Both mental and physical therapies may also be funded through an HSA. That includes services from psychoanalysts, psychiatrists, psychologists and psychotherapists. In terms of physical therapy, you can pay for chiropractor services, hydrotherapy and medical massage therapy from an HSA.

Technology Is Hard At Work With The Dawn Of Electronic Health Records

Technology is making it easier for many aspects of today’s society to flourish. Computers and the internet have made communication and the sharing of information easily available with just a click of a mouse. Most areas of businesses have used technology to their advantage and have had many positive results from its use including those involved in the medical profession and the main source of this advantage for the medical profession is through the use of electronic health records.

An electronic health record, or EHR, is a system of keeping track of every aspect of a patient’s health history so that no matter where a patient goes for health care, there is a detailed record of their health history. Electronic health records make it easy for doctors to share health information in a digital format across the medical network so that a patient can be serviced better. Through an electronic health record, a doctor can easily access information about a patient’s health past including everything from medications taken, to allergies the patient has, so that the patient can be more properly taken care of.

Not only are EHR’s making it easier patients to receive better quality health treatments, but it is a system that is helping make the job of a doctor easier. An electronic health record can reduce cost and make it harder for the doctor to make mistakes in diagnosis and treatments of patient’s ailments. When all of a patient’s medical information is easily accessible through the use of a computer, it makes the job easier for a doctor and leaves little room for error. Through the use of EHR’s, the medical field is truly experiencing the benefits of today’s technology.

Some systems are starting to allow doctors to approve prescriptions and review medical labs from their smart phones. And patients are able to login to secure websites and view medical lab results and get messages from their medical providers. This is another way this advancing technology is helping society become more efficient in the way healthcare is practiced now and in the future.

Electronic health records are a very helpful and beneficial way for both patients and doctors to experience total health care treatment. EHR’s make it easier for a doctor to treat a patient because all of the patient’s information and health background is easily accessible with just a few clicks of a mouse. EHR’s are now beginning to experience a more widespread usage throughout the medical profession and it is helping both patients and doctors get the most out of their health care experience.

Vital Components of a Automotive Electrical System and Their Roles

The automotive electrical system, a significant part of the automotive system has brought in a lot of comfort and flexibility in a commuter’s life. Periodic developments in the system components, aids easy drive and more has become more efficient. But, we all know the cliché, “Pros and Cons.” If there are positive aspects about a system, negative aspects also come along. Predominantly, the problems one faces with starting a car and other problems one encounters are with the electrical system. Do you know the problems that one usually faces with the electrical system? A few common problems are enlisted as follows:

Common Automotive Electrical Systems Perplexities are:

Zero Power in Car’s Battery: This is a very common problem which occurs in a vehicle, where the car battery might be totally out of power, making times hard for you.

Out of Charge Battery: There are a lot more occasions where your car’s battery will seem to have power lesser than the threshold, in order to get the engine running. This is rightly termed as the out of charge which would really be frustrating if you are in a very hurry commitment.

Alternator not functioning: Alternator is a very important component in the battery. It plays an important role in effecting the proper functioning and charging of your vehicles battery. When its condition is not good, the battery cannot be charged and apparently, your electrical system would be faulty.

Damaged Starter or Solenoid: This is certainly an important component in your car which needs to work properly for a perfect electrical system. Any malfunction in these functions will not provide proper braking systems, which is a serious problem.

Cables in the battery: Any loose connections among the battery wires might cause charging and functioning problems.

Electrical Fuses: Fuses malfunctioning, loose wires in the electrical system might affect the system performance and cause serious threats.

Alternator Belt’s Cracks:Alternator being an important component cracks due to tension and heavy usage will cause trouble.

Deficiency in Ignition System:This is a very common cause for breakdown of a vehicle. Automobile Ignition systems play a very important role in the dynamics of the vehicle. Without a proper ignition system, you cannot even think to have your accessories and spark plugs to work. Some of the important components which make an effective ignition system include,

ignition switch


coil wire

Most often, problems in your electrical system will seem to occur only because of a faulty ignition system. So make sure that your vehicles ignition system is very much perfect and healthy.

Automotive Load Managers For Emergency Vehicles

Automotive load managers for emergency vehicles are designed to monitor and control the transfer of electrical energy in an automotive system. The most advanced load managers will incorporate load sequencing and load shedding functions. These two functions will help maintain the vehicles optimal electrical state, which is paramount for any emergency vehicle.

The load sequencing function is used to turn all selected loads ON or OFF from on central switch. Loads can be anything from, emergency lights, sirens, A/C, radios, etc. When electrical loads of the type encountered in an automotive application are switched ON or OFF they create large current and voltage fluctuations in the electrical system in which they are connected. The larger the current consumption of a load, the greater the impact the load has in the generation of electrical transients or line noise when the load is energized or deenergized (Turned ON or OFF).

These current fluctuations, in turn, contribute to the generation of voltage spikes of a magnitude that is high enough to damage sensitive electronic devices connected to the electrical system. This would be the last thing you want while riding in an emergency vehicle. The load sequencing function of a good load manager will allow you to turn all the selected loads ON or OFF from one location to minimize electrical disturbances and the effect this action may have upon the rest of the electrical system. The load shedding function is used to monitor the voltage level of the vehicles battery. If a decrease in the battery voltage is sensed, the load manager will start shedding loads. A good load manager will allow you to program what loads and in what sequence they will be shed. One the loads battery voltage returns to its normal value, the loads that were previously shed are switched on.

The examples in the previous paragraphs were for when a vehicle is in motion. If the vehicles alternator is not supplying enough power when the vehicle is idling, the load manager should have a high idle function which will send a signal the vehicles engine speed control to set the idle speed to a higher level. An action equivalent to pressing the accelerator while in park. The higher engine speed is maintained until the battery voltage returns to normal or until the engine is no long idling.

The Brief Life of Two Automotive V-16s

For those who find a twelve-cylinder engine is simply not enough, the antique car world has the next logical next step. With perfect mechanical balance negating the need for counterweights or balance shafts, and short duration between power strokes, the V16 was a very smooth operator.

Over the years, examples of the sixteen cylinder layout have enjoyed motor sport successes with manufacturers such as Auto Union, Alfa Romeo and BRM. The diesel configuration has also found widespread industrial uses. The V16’s automotive heyday however, was during the Great Depression of the 1930s.

Prestige automobile manufacturers Marmon and Cadillac produced V16 models for the elite, who were wealthy enough to be unaffected by the economic downturn. Given the target market and the economic austerity of the time, it was not surprising that neither enjoyed great success.

The two manufacturers can also be accredited with the world’s largest and smallest production automotive V16s. The smallest production V16 of 7062cc, was installed in the 1938 Cadillac Series 90. Cadillac’s second V16 of the 1930s, it was more advanced than its predecessor, but slightly smaller. Despite the significant bulk of the engine, the series 90 earned many records. While smaller autos might out accelerate it from a standing start, once rolling the series 90 was accredited as being the fastest accelerating production car of the 30s.

The world’s largest production V16, 8046cc, was found in the 1931 Marmon Sixteen. While Marmon had pioneered the automotive V16, production problems resulted in lower production than Cadillac. The few Marmon Sixteen survivors are massive luxurious automobiles. They were exactly what the public didn’t want during the worst two years of the Great Depression.

Ford – A Leader in Automotive Racing History!

Does the thought of watching a great car race make your heart accelerate? Do you live to enjoy the thrill of speed? Maybe you just appreciate the design of great sports cars. Whatever the case may be, you can be sure that somewhere along the line, you have heard about or seen some great and historic Ford race cars!

Automotive racing has been a very popular sport ever since the first automobiles were designed over 100 years ago. Actually, it was because of car racing that many of today’s automakers exist. Automotive designers would try to create faster and more efficient vehicles by testing their ideas in races against other designers. Henry Ford entered one such event with his unique, early “Model T” design and won, investing the prize winnings into the company that would become the Ford Motor Company. From this humble beginning, many historic Ford race cars would be born.

Ford racing would become a company to contend with as they produced one winning design after another. Here are just some of the historic Ford race cars:

*In 1903, Barney Oldfield drove the Ford 999 to victory at the Indiana Fairgrounds, and set a new speed record of 60 mph.

*In 1909, the Ford Model T shows its endurance as it wins a cross-country race from New York to Seattle.

*In 1949, the first national NASCAR race was won by Ford driver Jim Roper in a new car model called the Lincoln.

In the 1960’s, Ford would reach the height of racing, as they would produce several cutting edge designs, including:

*In 1963, the Ford-Lotus design would win the Milwaukee 200, driven by Jim Clark.

*In 1964, Ford would introduce a new style of Indy car engine known as the DOHC V-8.

*In 1966, the Ford model Mark II’s would place 1st, 2nd and 3rd in the 24 hours of Lemans race.

*In 1967, Ford would introduce a new engine in the Dutch Grand Prix, called the Ford-Cosworth DFV V-8.

*In 1968, Ford would introduce a sporty design of its popular Ford Mustang by showcasing the Cobra Jet Mustang at the NRHA Winternationals, winning its first event.

The 1980’s would see a resurgence of the popular Ford Mustang as the Miller Mustang would win two races in 1981. Ford would also become competitive with the Thunderbird model as driver Bill Elliott would win a record 11 NASCAR races in 1985. In 1988, Bill Elliott would continue winning in the Ford Thunderbird by taking the NASCAR Winston Cup championship.