Archive: August 2018

What you must know about health care for puppies in Newburgh, NY

Bringing home a new puppy is a great source of excitement for the entire family. The children especially will be very ecstatic anticipating a furry bundle of joy to play with. All these are well and good but now you have to shoulder the responsibility of keeping your puppy happy and healthy. You need to know about health care for puppies.

These are important facts to learn in the health care for puppies:

1. Habitat is the place or environment of your puppy. Consider three important factors:

Comfort is important for your puppy needs a cozy bed to sleep which is warm and snuggly. Remember that most puppies are used to sleeping beside their mother. Provide a blanket if it gets too cold.

Security is the importance of safety to your puppy. Remove anything in the surroundings which is harmful.

Play is necessary to keep your puppy from becoming bored. Provide some harmless toys to keep puppy entertained especially when you leave him alone.

2. Provide a balanced diet that is appropriate for the kind of puppy you have. There are many kinds of dog food available in the market. It is not necessary to buy authentic dog food for natural food is also good for puppies. Natural foods favorable to the health care for puppies are milk, chicken, chicken heart, oatmeal, vegetables, boiled rice, carrots and cheese. The recommended feeding schedule for puppies an d dogs is:

From 0 – 4 months: 4 meals a day;

from 4 + to 8 months: 3 meals a day;

from 8+ to 12 months: 2 meals a day.

Above one year, you can feed your dog once a day. Even older dogs can do better on 2 meals a day, however, because they may get hungry if only fed once a day.

3. Vaccinations are a necessity for puppies. Newly born pups have natural enzymes from mothers milk but after the 6th to 9th week, your puppy needs vaccination. Start with the initial vaccination followed by booster vaccination 3 weeks after. Vaccination is a must on health care for puppies. Follow the advice of your vet.

Puppies need immunization from diseases like parvovirus, paraflu, lyme disease, rabies and corona virus.

Rabies prevention – Rabies is a communicable disease that is transferred via the saliva from the bite of an infected animal. Puppies must be given a rabies shot. Many towns in areas of known rabies infestation require biannual rabies shots for the dogs entire life.

Worm prevention – Deworm puppies at 2 weeks and continue at stated intervals. Puppies have round worms which cause illness.

4. Physical activities are important for your puppies. Exercise the young ones at home and when they are older, walk around the neighborhood. Use balls to encourage your puppies to play and run. Exercise is an essential part of health care for puppies. Playtime is a good time to train your puppy

From the very first day, teach the puppy that you are the master. Your puppy will feel secure knowing his place in your family. Also learn that puppies are different based on their breed. Care for a Pomeranian puppy differs from a Great Dane.

The health and happiness of your puppy depends not only on you but also to your veterinarian. You need a vet to give you guidance about health care for puppies.

Westchester Health Care Center Is A Cost Effective Way To Get Better Treatment

With increasing numbers of difficulties in ones normal lifestyle, people have been coming across heavy costs for health care. The hospitalization cost for serious accidents or critical illness is beyond that and tends to involve huge amount than that. Today, it has become bit difficult for middle class people to afford the expense of medical care as it has increased a lot with the time. It also keeps many people away from visiting doctors even when they are ill. Furthermore, under the scenarios when people have minor health problem, they dont visit any doctor. And, to overcome such problems, people are looking for reliable health care center for their health maintenance. It is comparatively affordable than the hospital expenses.

Health care service in Westchester is provided at much affordable prices which provide world-class treatment to the people based on their health condition. The advantage of visiting Westchester health care center is that they provide variety of treatments like massage, rehab, nutrition and stress management. It also serves the basic requirements of people who have been going through health maintenance, recovery from trauma and lifestyle changes. The best part about this health center is that it provides medical care to the people on the basis of their requirements as they dont force people to go for those treatments that might not cure them, but could fill pockets of the doctors.

It is also called as the Family Health Care Center Westchester as it caters to the problems of every member of a family. For instance, it also provides medical treatments to the children with the special and unique approaches. Most importantly, these health centers are equipped with well-trained professionals in a range of massage and therapy methods.

The treatment method provided by these health care zones does not leave any kind of negative effect as it is professional done by a licensed specialist. The treatment is of world-class and tends to support you until you get well. The mainstream medicine treatments sound too expensive in front of Westchester health care center. The health care centers prove safe in terms of both treatment and medicine provided.

Thanks to the increasing popularity of Internet that has opened the doors for reputable and reliable health care centers to present themselves to the patients who are really in need and provide them with the most sophisticated and world-class treatment at affordable prices. So, make the most of it and approach the best center to get the best treatment for a better and healthier treatment.

How To Go Down On A Woman

Cunnilingus–oral sex performed on women–is the holy grail of satisfying most women. So if you haven’t honed your oral sex technique, you’re most likely going to suffer some cunnilingus performance anxiety. Cultural myths about nasty vaginas just add to the pressure. But cunnilingus performed well will endear you to a partner like nothing else can. So whether you’re a seasoned muffdiver or are a late bloomer just getting started, here are a few oral sex tips to improve your technique.

1. Be prepared with some sexy goods. Have the Cunnilingus Expert Kit on hand and you’ll find the edible gel, lickable oil, and accompanying vibrator will help tranform you from a novice into an oral sex master. (Plus you save 25% when you purchase all the toys together!)
2. Study up. In addition to these cunnilingus techniques, you’ll find great oral sex tips in the DVD Tristan Taormino’s Expert Guide to Cunnilingus, The Ultimate Guide to Cunnilingus book, and the Low Down on Going Down book.
3. Lick her like an ice cream cone Big soft licks from stem to stern with a wide flat tongue stimulate all the nerves in her genital area. Go deliciously slow to make her feel like a yummy dessert being savored, or speed it up a bit and focus more on the clitoris to push her towards orgasm. You can sweeten things up by applying an edible gel like Sliquid Green Apple, which won rave reviews in Men’s Health magazine.
4. Dive in. Build up the intensity level gradually. Once you’re into it, use your whole face. Bury yourself in her pussy, get your tongue in as far as possible, use your nose for more pressure. Not only does this feel good physically, it lets her know you are really into her taste and smell. Hint: if your eyelids aren’t sticky, you’re not doing it right.
5. Insert two fingers in her vagina while licking her clit. Curl those fingers up towards your tongue, capturing her clit and G-spot between your mouth and fingers. As your tongue licks up pull down with your fingers; get a rhythm going. Rev things up even more by slipping a G-spot vibrator or G-spot dildo into her while you’re going down on her.

6. Let your lover straddle your face. If lying back during cunnilingus is too passive for her, let her hop on top. From there she can control the pressure and area of contact during oral sex. To make this position even more fun, get tied down to the bed before she mounts you using some restraints, and maybe she’ll even boss you around with firm directives: “stick your tongue out!”, “open your mouth!” “suck it boy”, and so on. Bottomy munchers will, well, lick it up.
7. Mix it up. If your idea of performing cunnilingus is to just lick up and down, up and down, (“fencepainting”), chances are that it’ll get boring to your partner after a while. Vary your movements, add pressure, use your lips, breath and teeth in addition to your tongue, change positions, use your hands.Get your whole creative body involved.
8. If it ain’t broke, don’t fix it. Most women orgasm in response to rhythmic stimulation, so if you’re in a groove that is building her up, don’t suddenly change what you’re doing. Finding the balance between variety and consistency is the art to being an oral sex expert.
9. Suck her into your mouth. Gentle suction is a nice variation on the licks and downward pressure of most cunnilingus. While you’ve got a nice piece of her sucked in your mouth, lick it while maintaining the suction.
10. Lick her asshole. Use a barrier for hygiene (try Glyde Dental Dams), or if she is very clean and you don’t penetrate, you may choose bare tongue on skin. The anus is rich in nerve endings so all the varieties of oral stimulation–licking, sucking, nibbling–can feel wonderful. Ask her if shed like to wear a butt plug like the Little Flirt, for an added thrill.
11. Keep it wet. The juicier your make it, the better it feels. Experiment with edibles like Babeland Lickable Oil, some flavored lubricant or some lube that warms when you blow on it.
12. Get as good as you give! Make a gift of the Blow Job Expert Kit and you both may get so good you’ll never leave the house.

How do you know if she likes it?

With your face buried in her cunt and your ears muffled by her creamy thighs, it can be hard to talk about how things are going. So look for more subtle signs of her enjoyment. If she raises her hips to meet your mouth, that is a very good sign. A lubricating vagina and swelling vulva and labia that spread open as they become engorged are a sure sign that she’s responding favorably. So is a growing clitoris. An all over skin flush, rapid breathing, and writhing are clues. Clutching the sheets is excellent, and so are hands on the back of your head pushing you in for more.

Hiring a Home Health Care Employee

Providing the primary care for an elder loved one can be difficult. When you cannot deliver all the elder care yourself and support from friends, family, and community organizations is not enough, it may be useful to hire a home health care worker. He or she can offer care from a few hours a week to 24 hours a day, and can provide many other helpful services. Types of in-home health care services include:

General Health Management like administration of medication or other medical treatments
Personal care such as bathing, oral hygiene, dressing, and shaving
Nutrition help like preparing meals, assisting eating, and grocery shopping
Homemaking services including laundry, dishwashing, and light housework
Companionship for example reading to the senior or taking them on walks

Recruiting and Interviewing Applicants

There are many avenues for hiring a home health care employee. Generally, home health care workers can be hired directly or through an agency. Home health care agencies often have a staff that includes social workers and nurses that will manage your care. However hiring an independent home health care worker is generally more cost effective, it will also give you more control over the type of care you receive. Resources like help connect you with independent home health care workers in your area.

Senior home care workers should be carefully screened for proper training, qualifications, and temperament. Fully discuss the needs of the elder care recipient during an interview with a prospective home health care employee. There should be a written copy the job description and the type of experience you are looking for.


Have applicants fill out an employment form that includes the following information:

Full name
Phone number
Date of birth
Social Security number
Educational background
Work history

Before hiring, you should ask to see the senior home care worker’s licenses and certificates, if applicable, and personal identification including their social security card, drivers license, or photo ID.

References should be checked out thoroughly. Prospective employees should provide the employer with names, dates of employment, and phone numbers of previous employers and how to contact them. It is best to talk directly to previous employers, rather than just to accept letters of recommendations. Also ask the applicant to provide or sign off on conducting a criminal background check ( can be used to complete background checks on caregivers).

Special Points to Consider

Make sure the person you are considering hiring knows how to carry out the tasks the elder care recipient requires, such as transferring the senior to and from a wheelchair or bed. Training may be available, but make sure the worker completes the training successfully before hiring him or her.

No one should be hired on a seven-day-a-week basis. Even the most dedicated employee will soon burn out. All employees need some time to take care of their personal needs. No worker should be on call 24-hours a day. If the elder care recipient needs frequent supervision or care during the night, a family member or second home health care worker should be able to help out or fill in.

Live-in assistance may seem to be more convenient and economic than hourly or per-day employees but there can be drawbacks. Food and lodging costs must be calculated into the total cost of care, and it could be difficult to dismiss someone without immediate housing alternatives. If you decide to utilize a live-in arrangement, the employee should have his own living quarters, free time, and ample sleep.

Job Expectations and Considerations

Before hiring a senior home health care worker, you should go over the tasks you expect them to perform and other issues, such as promptness, benefits, pay scale, holidays, vacations, absences, and notification time needed for either employer or employee before employment is terminated. If you work and are heavily dependent on the home health care worker, emphasize the importance of being informed as soon as possible if he or she is going to be late or absent so that you can make alternative arrangements. Be clear about notification needed for time off, or what to do in the case the home health care worker experiences a personal emergency that requires them to abruptly leave work. It is important to have a backup list of friends, family, other home care workers, or a home health care agency you can call on.

Be clear about issues concerning salary, payment schedule, and reimbursement or petty cash funds for out of pocket expenses.

You should spend the day with the home health care worker on his first day to make sure you are both in agreement over how to carry out daily tasks. It would also be helpful to supply the home health care worker with a list of information on the elder care recipient such as: special diets, likes, dislikes, mobility problems, health issues, danger signs to monitor, possible behavior problems and accompanying coping strategies, medication schedule, therapeutic exercises, eye glasses, dentures, and any prosthetics.

You should also provide the following information to your home health care worker: your contact information, emergency contacts, security precautions and access to keys, clothing, and locations of washing/cleaning supplies, medical supplies, light bulbs, flashlights, fuse box, and other important household items.

Another big consideration in hiring a senior home care worker is how he or she is going to get to work. If they do not have a reliable car or access to public transit, then you might want to consider hiring someone to drive him or her, which might be more economical than using taxis. Inform your insurance company if the home health care worker is going to drive your car when caring for the senior. Your insurance company will perform the necessary driving background checks. If the home health care worker is using his or her car to drive the elder care recipient, then discuss use of her or his car, and conduct a driving background check.

Insurance and Payroll

Check with an insurance company about the proper coverage for a worker in your home.

Make sure all the proper taxes are being drawn from the employee’s check by contacting the Internal Revenue Service, state treasury department, social security, and the labor department. If you do not want to deal with the complexities of the payroll withholdings yourself, than you can hire a payroll company for a fee.

Even if your home health care worker is working as a contractor, you are still obligated to report the earnings to the IRS. Talk to your accountant or financial advisor about making sure you are following IRS rules.

Ensuring Security

You should protect your private papers and valuables in a locked file cabinet, safe deposit box, or safe. If you are unable to pick up your mail on a daily basis, have someone you trust do it, or have it sent to a post box. You should check the phone bill for unusual items or unauthorized calls. You should put a block on your phone for 900 numbers, collect calls, and long-distance calls.

Keep checkbooks and credit cards locked up. Review credit card and bank statements on a monthly basis, and periodically request credit reports from credit reporting agencies. Lock up valuable possessions or keep an inventory of items accessible to people working in the house.

You can help to prevent elder abuse to your loved one by:
Make sure the home health care worker thoroughly understands his or her responsibilities, the elder care recipients medical problems and limitations, and how to cope with stressful situations.
Do not overburden the home health care worker.
Encourage openness over potential problems.

The following are possible signs of elder abuse or neglect:

Personality changes
Crying, whimpering, or refusing to talk
Sloppy appearance
Poor personal hygiene
Disorganized or dirty living conditions
Signs of inappropriate sedation, such as confusion, or excessive sleeping
Mysterious bruises, pressure sores, fractures, or burns
Weight loss

If you suspect abuse, act immediately. Do not wait until the situation turns tragic. Investigate the situation by talking to the elder care recipient in a safe situation, or install monitoring equipment. Examples of abusive behavior include yelling, threatening, or over controlling behavior that could involve isolating the senior from others. If the situation is serious, you should replace the home health care worker as quickly as possible. If you fear the elder care recipient is in danger, he or she should be separated from the home health care worker as soon as possible. Place the elder care recipient with a trusted relative or in a respite care facility. Make sure your loved one is safe before confronting the home health care worker, especially if there is concern about retaliation.

Report the situation to Adult Protective Services after ensuring the safety of the elder care recipient. The police should be contacted in the case of serious neglect, such as sexual abuse, physical injury, or misuse of funds.
Supervising a Home Health Care Worker

The most important thing to remember after hiring a home health care worker is to keep the lines of communication open. You should explain the job responsibilities clearly, and your responsibilities to the home health care worker. Do not forget that the home health care worker is there for the elder care recipient and not the rest of the family. For live-in arrangements, the maximum amount of privacy should be set up for the home health care workers living quarters. Meetings should be set up on a regular basis to assure that problems are nipped in the bud. If conflicts cannot be resolved after repeated attempts, than it is best to terminate the employee. In such a case, you may have to either place the elder care recipient in a nursing home temporarily or hire a home health care worker through an agency. Reserve funds should be kept on hand in the case of such an emergency.

General Eligibility Requirements for Home Care Benefits

Hiring a home health care worker directly is usually less expensive than hiring through a home health care agency; but if the elder care recipient is eligible and you wish to use assistance from Medicare, you must hire someone through a certified home health care agency. For the senior patient to be eligible, three or more services must be ordered by a physician. Other factors or eligibility are the required need for skilled nursing assistance, or one of the following therapies: physical, speech or occupational. The elder care recipients medical needs will determine asset and income requirements.

Hiring Home Health Care Workers through Home Health Care Agencies versus Independently

Different health care professionals can assess the elder care recipient’s needs. A nurse or social worker can help with design and coordination of a home care plan. Your care manager, doctor, or discharge planner can help with services being covered by Medicare. They generally help make the arrangements with a home health care agency.

You should ask the home health care agency how they supervise their employees, and what kind of training their employees receive. Find out the procedures for when an employee does not show up. Also ask about the fee schedule and what it covers, there may be a sliding fee schedule. Furthermore, find out if they have a policy for minimum or maximum hours. Ask the agency if there are any limitations on the types of tasks performed.

Especially if you have to pay for the home health care services yourself, find out if there are any hidden costs such as transportation. If all the costs for hiring a home health care worker through an agency become too much, you may want to consider hiring directly.

Hiring independent home health care workers is not only more economical than using an agency, but it also allows more direct control over the elder care. is an online community that can help connect you with independent, qualified home health care workers in your area.

How do I Access Government Funded Health Care In British Columbia

One of the advantages of living in Canada is the ability to use the Universal Health Care program that has been in place in the country for decades. This initiative is paid for by the various levels of government through tax dollars, and alleviates many of the expenses involved with health care, such as the cost of a visit to the doctor or the hospital, various operations, prescriptions, and so on.

Although the program is called universal health care, it is important to note that in reality it is carried out from province to province. In large part this is due to the traditional Quebec medical system; as a result of the difference each province has its own way of administering and qualifying citizens for the program.

In British Columbia, you must register for the Medical Services Plan in order to access government-funded health care. Once registered, you will receive a personal health care card with your health care number on it; this card and number are vital when using any medical services in the province, from hospital visits to doctors visits.

There are several ways to gain a personal health care number and card.

Individuals born in the province are automatically registered through their hospital, and receive a card in the mail.

Those who move to BC from another province must register to receive their card and number. This may be done through your union or through your job, in which case the office should be contacted. Otherwise, you need enrol yourself through a British Columbia government office or on the BC governments website.

Some individuals may qualify under the Health Canada act or the Ministry of Employment and Income Assistance, in which case those offices need to be contacted.

In order to qualify, you will have to prove that you are a resident of the province. This means including all documentation supporting citizenship or immigration.

In order to be deemed eligible, a person must be a citizen or permanent resident of Canada, must make her or his home in BC, and live in the province at least six months in each calendar year. Any dependants of a BC resident are automatically covered under the residents plan.

It is worth noting that while MSP takes most of the cost out of health services, many individuals will have to pay premiums each month if not covered through their employers. The premiums will depend on income level and need and are calculated on a monthly basis.

How To Calculate Your Risk For Breast Cancer

Using known risk factors for breast cancer, mathematical models can be developed to help answer important questions. These mathematical models are useful tools for researchers and for patients as follows:

1.Research on risk factors The Claus risk assessment model was used to discover the subpopulation of people who had an autosomal dominant genetic allele that increased their risk from 10% to 92%. This led to the discovery of the BRCA genes associated with breast, ovarian, and prostate cancer.
2.Clinical trial eligibility The Gail risk assessment model was developed to help researchers determine who to enroll in the NSAPB Breast Cancer Prevention Trials
where chemoprevention was shown to reduce breast cancer risk.
3.Guidelines for doing BRCA testing BRCA testing is very expensive and practically worthless if done on everyone (because it is so rare to be homozygous for BRCA1 or BRCA2). Mathematical models such as the BRCAPRO, BOADICEA, and Tyrer-Cuzick models can help determine what patients should undergo BRCA testing. The decision for testing is usually made when one of these models predicts a 10% or greater chance that there is a mutation of the BRCA1, BRCA2, or both genes.
4.Guidelines for doing MRI screening for breast cancer – MRI screening for breast cancer is not a cost effective screening test for the general population, but in specific groups, there are clear cut reasons to do so. In general, screening MRI is recommended for women with 20-25% or greater lifetime risk of breast cancer. The BRCAPRO and Tyrer-Cuzick models have been used to help make clinical decisions about ordering MRIs for breast cancer screening.
5.Guidelines for breast cancer therapy The Gail model is used clinically to help
determine who should be put on tamoxifen or raloxifene for chemoprevention. Other models have been used to help make decisions about breast cancer risk reduction with prophylactic mastectomy.

For these reasons, it is important to understand these models. These models are collectively refered to as risk assessment tools. The following paragraphs summarize the most popular and most widely used risk assessment tools. Keep in mind that none of these risk assessment tools apply to breast cancer survivors. No mathematical model has been widely accepted to determine cancer risk in cancer survivors.

General Risk Assessment Tools

Gail Model: The Gail model is a validated risk-assessment model that focuses primarily on nonhereditary risk factors, with limited information on family history. It was developed by scientists at the National Cancer Institute and the National Surgical Adjuvant Breast and Bowel Project (NSABP) to assist health care providers in discussing breast cancer risk to determine their eligibility for the Breast Cancer Prevention Trial. The tool allows one to project a woman’s individual estimate of breast cancer risk over a five-year period of time and over her lifetime. It also compares the woman’s risk calculation with the average risk for a woman of the same age. The Gail Model is an on-line quiz that has 13 questions and is interactive. This calculator is based on published risk statistics and methods gathered from peer-reviewed journals, and has been extensively tested for its validity.

The major limitation of the Gail model is the inclusion of only first-degree relatives, which results in underestimating risk in the 50% of families with cancer in the paternal lineage and also takes no account of the age of onset of breast cancer. It may underestimate risk in certain groups, such as obese patients.

National Cancer Institute Model: The NCI risk assessment tool is essentially a simplified Gail Model that also factors in race. Race is a factor in determining breast cancer risk but is excluded when determining eligibility for clinical trials. This tool is probably the most popular risk assessment tool available to the public as an on-line, interactive risk calculator. The on-line quiz is a shorter, nine-point questionnaire that includes multiple factors, giving a woman her future five-year risk of breast cancer and her lifetime risk of breast cancer.

The NCI tool does not account for a lot of risk factors that can be modified. For this reason, it is difficult to use this test as a motivation tool to show people how lifestyle can alter their risk of breast cancer. It also cannot be used in breast cancer survivors, in patients with DCIS, LCIS, or people who carry one of the BRCA genes.

BRCAPRO model: This is a statistical model available as a computer program that uses two different algorithms to evaluate family history and helps a doctor determine the likelihood of finding either a BRCA1 mutation or a BRCA2 mutation in a family. The results of this can be used to determine if BRCA testing is indicated. This is very useful in light of the high cost of BRCA testing ($3,000). None of the nonhereditary risk factors can yet be incorporated into the model, however. In a comparison of four different methods for estimating breast cancer risk in patients with a family history of breast cancer, the BRCAPRO model was the least accurate. It predicted only 49% of the breast cancers that actually occurred in the screened group of patients with a family history of breast cancer.
Harvard Center for Cancer Prevention Risk Assessment Tool: This is another breast cancer risk assessment tool that includes more lifestyle factors than the NCI or Gail Model tools. It has not been studied as extensively as the Gail Model or the simplified NCI model, but it is promising in that it includes many lifestyle factors that people can do to modify their risk of developing cancer. It is also an on-line questionnaire that can be used by both women and men to estimate their breast cancer risk.

Making all this practical

Now after a thorough and confusing discussion of all these statistical models, its time to make all this information practical. What is the best way to help a patient accurately assess her risk of breast cancer and if possible, show her what positive factors are reducing her risk and what negative factors can be changed to reduce her risk? If possible, it would also be great to show the patient the value and indications for testing, imaging, chemoprevention, and in some cases surgery. A discussion of the practical aspect of each of these is addressed in a Q & A format below:

Q: What (free) online programs can be used to help a patient assess their risk of breast cancer?

A: Several of the risk assessment tools mentioned above can be accessed for free by the public. Here are the tests and their websites:

1.Your Disease Risk English version:
Spanish version:
This is a great interactive questionnaire that calculates five-year and lifetime risk of breast cancer developed by the Harvard Center for Cancer Prevention and made public online in 2000. In 2005, they launched the Spanish version of the site, Cuidar de su Salud. The risk calculator includes lifestyle factors such as weight, dietary vegetables, alcohol intake, as well as Jewish ethnicity. It does not include other ethnicities, however, and is not accurate for BRCA mutation carriers or breast cancer survivors. Despite these issues, this is by far the best free online risk calculator since it is very interactive and gives you a personalized description of your risk in the form of a colored bar graph, which they can electronically manipulate to experience “virtual” risk reduction. The bar graph is a seven-level scale that compares users to a typical man or woman your age. Users learn where to focus their prevention efforts and how to make lifestyle changes by “clicking on” personalized strategies. With each click, the bar graph shrinks, and the user watches his/her predicted risk drop. This is a great concept to motivate people to participate and comply with lifestyle modification measures.

2.The NCI Risk Assessment Tool regular web:
Mobile web:
This is the easy to use, on-line questionnaire based on a modified Gail model that also includes ethnicity. It does not factor in a personal history of breast cancer, DCIS, or LCIS. It does not account for other factors such as BRCA status, hormonal replacement therapy, lifestyle factors, breast feeding, menopause, or mammographic density. Despite these issues, it is a very useful tool that gives a woman her five-year and lifetime risk of breast cancer. It is the only risk assessment tool that can be used via mobile handheld devices (any type). A version of this can be downloaded for PDAs with Windows Pocket PC operating system as well.

Q: What programs can be used to help a doctor make decisions about ordering a breast MRI?

A: The American Cancer Society has developed some very good guidelines for breast cancer screening with MRI. It should be emphasized that MRI is an adjunct to mammography, not a replacement. Four programs can be used to help in clinical decision making. They are as follows:

1.A Cancer Journal for Clinicians

2.BRCPRO ver.4.3 available @

3.Claus Model available as a palm based software product version 1.0 at

4.IBIS – Breast Cancer Risk Evaluation Tool, RiskFileCalc version 1.0. This is the Tyrer-Cuzick model that includes hereditary and nonhereditary risk factors. Contact:

New India Considers No-frills Health Insurance Plan

There is a massive, untapped market for health insurance and public sector insurance giant New India declaration is planning to develop a individual product targeting this part, according to company officials.

The company is in the process of developing a no-frills health insurance policy targeting the lower income sector. The product will be launched in three months, said Segar Sampath, deputy general manager, New India Assurance.

There are about 600-700 million people in that segment who do not have any medical coverage. There is a huge market to be captured. We are developing a plain vanilla product with lower premium to meet their needs, said Segar Sampath.

The company at present is studying the market, the affordability levels of the intention segment, the premium payable by them and would try and develop a product with smaller cash and controls to meet their medical emergency needs, he said.

While governments in states like Andhra Pradesh and Tamil Nadu already have medical insurance coverage for those below dearth line, the segment of people just above the poverty line is a huge market untouched and unmet at present, experts say.

There are not many health insurance products tailored for this segment. More than that, health insurance companies have failed to create responsiveness about health insurance to this segment of people, said Meena Nair, vice-president, (India) insure risk management and insurance brokerage services.

While launching the right product with an affordable premium is important to meet their needs, what would also matter is the marketing of these products efficiently to ensure their reach to the target group.

The insurers are probably wary of claims settlement in this segment which could be one reason why they have hesitated to meet their needs. In case of government health insurance programmes, people would know that they could approach the hospitals. But for those just above poverty levels there would be very little knowledge on things like the ways of lodging a claim. The onus lies on the insurance firm to educate them, Nair said.

Source: [mydigitalfc]

Healthcare Expenses Increasing Faster than Personal Revenue

According to the Commonwealth Fund, health insurance costs are rising faster than personal income in all 50 states. Deductibles and other out of pocket expenses continue to go up, while incomes are going down. The Commonwealth Fund’s study discovered several reasons for the rise in health care costs over recent years. Among the findings, it was discovered that employers are charging their employees higher costs to participate in health care plans. In addition, deductibles have risen 98 percent since 2003. This means that most people will have to pay for their own healthcare costs out of pocket for a greater length of time before their coverage kicks in. in addition, total premiums that employees pay annually average $3,721.

This news hits close to home for many Americans who are dealing with other economic problems already. With employment rates mostly stagnating, foreclosures going up, student loan debt reaching one trillion dollars, and incomes going down, it’s not getting any easier for most Americans to stay financially solvent in these trying times. For many Americans, the rise in health care costs is beginning to make the very idea of survival economically prohibitive. .

Many Americans, on the other hand, are being forced to discover creative new ways to pay for their health care costs. For example, some individuals whose incomes are preventing them from getting covered may take out short term loans in order to meet rising medical costs. Many short term loans are available, each coming with its distinct set of pros and cons. Payday loans, for instance, are one of the most popular types of short term loan. However, for most Americans they’re not a feasible option for paying medical costs since they are usually only for a small amount and come with a short repayment period. This may influence some to turn instead to collateral loans, which offer a more robust amount in exchange for some piece of the borrower’s property. One type of collateral loan that’s becoming increasingly popular is called a car title loan. Motorists may find these to be a better option than other short term loans since they typically charge lower interest and come with longer repayment periods. Consumers who are interested in more information about car title loans can access sites such as and

While there may be more than one way to skin the cat of health care costs, one thing is certain. Americans are going to need to take all the financial help they can get as health care costs continue to make themselves out of reach. It’s simply irresponsible to live without health insurance, even if you find that it takes a chunk out of your discretionary income. To pay for ever rising health care costs, Americans will just have to budget more wisely.

Generic Drugs Popular Than Branded Drugs

Generic drugs are popular than the branded drugs, according to the report submitted by world pharmacist association. You need not be the surprised by this fact because generic drugs are reasonably cheaper than the original branded drugs and are equally effective like the original branded drugs. Generic drugs are approved by US Food and Drug Administration. Generic drugs are now available all over the world with the cheapest price and really are capturing the medicine market very fast. The popularity of the generic drugs is increasing day by day because of the preference of the pharmacists as well as the customers. Generic Drugs are crossing all the sales records in the market because of their low prices.

Generic drugs are identical or bioequivalent to the brand name counterpart with respect pharmacokinetic and pharmacodynamic properties. Generic drugs are easily available in the market and they even do not require the prescription depending on the rules in the country in which you are buying them. Insurance companies are forcing doctors to prescribe generic drugs because of the profits they are making with generic drugs business is more in comparison to the branded drugs. Insurance companies said that they are following legitimate medical protocol which explains that the step therapy procedure should be followed by the doctor. Step therapy is a procedure in which doctors should first prescribe the generic drugs and if these drugs fail to produce the required effect then they should prescribe the more expensive brand-name drugs.

Generic drug industry has now capture 65% medicine market in United States. According to some doctors who practice Internal Medicine in United States, generic drugs produce the same effect when compared to the brand name drugs. Doctors also mention that because of the low prices of generic drugs even the patients are happy to buy the generic drugs. Even some patients are now asking the doctors if they know the generic version of the branded drug, then please prescribe the generic drug. Generic drug contains the same ingredient as the original drug. Generic drugs are similar in strength when compared with the original brand-name drug. Thus, the popularity of the generic drug is increasing.

Companies producing generic drugs have to no longer spend the money on the drug discovery. Generic drug companies have to follow the same procedure for the manufacturing of the drug and to take in consideration that the generic drug also produces similar effects. Generic drug companies receive the benefit of the marketing and advertising effects put by the brand-name drug companies. Thus, generic drug saves the lots of money of the generic drug manufacturing companies. Hence more and more companies are entering the generic drug market. As a result of the competition, the quality of the generic drug is improved and the price of the generic drug is decreasing.

Generic drugs are making the double profits and saving the lots of money of the manufacturer that leads the manufacturer to earn a lot of profits, and is able to still maintain the low costs of the drug. The rise in the sale of generic was observed to be really good by all the chemists in the world. Many online pharmacies are also selling the generic drugs. So, you can even buy the generic drugs from the online pharmacies. You need to confirm that whether the online pharmacy is genuine or not. About 45% sales of the generic drugs is done through the online pharmacies. Hence it makes clear that customers prefer generic drugs than the expensive branded drugs. This gives us the clear idea that generic drugs are more popular than the brand name drugs

God’s Word Is Medicine

A certain Roman officer’s servant, who was dear unto him, was sick,and ready to die. And when he heard of Jesus, he sent unto him the elders of the Jews, begging him that he would come and heal his servant. And when they came to Jesus, saying, that he is worthy for whom he should do this: For he loves our people, and he has built us a synagogue. Then Jesus went with them. And when he was near to the house, the Roman officer sent friends to him, saying unto him, Lord, troubled not yourself: for I am not worthy that you should enter my house. Just speak the word and my servant shall be heal.For I am a man of authority and I say unto one Go, and he goes; and to another Come and he comes; and to my servant do this and he does it.When Jesus heard these things he marveled at him, and turned and said unto the people that followed him, I say unto you , I have not found so great faith,no, not in Israel. And they that were sent, returning to the house, found the servant whole that had been sick.(Luke 7:2-10) My son attend unto my words; incline your ears unto my saying, let them not depart from your eyes; keep them in the midst of your heart. For they are life to those that find them, and health to all their flesh.Keep your heart with all diligence; for out of it are the issues of life. (Proverbs 4:20-23) He sent his word and healed them.(Psalms107:20)Jesus said to the man with the withered hand “stretch forth your hand”! The word that came out of his mouth brought healing to this man. Not only Jesus can speak and his word bring forth healing. But to every believer he has given the authority to speak to the mountain of sickness that’s bothering you and if you don’t doubt in your heart but believe that those things you say shall come to pass you can have whatsoever you say.(Mark 11:23) Calvin K. Minter

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