14 April 2014

29 December 2011

Health Insurance Reform and Breast Cancer: Making the Health Care System Work for Women


Rising health care costs and inadequate coverage burden many Americans. Alarmingly, those Americans most likely to fall through the cracks are also those who need care the most. Breast cancer patients face great uncertainty in the current health care system. Women diagnosed with breast cancer, whether insured or not, face significant and sometimes devastating hurdles to receiving timely, affordable treatment.

Breast cancer is the second leading type of cancer among women.1 The disease will affect one in eight American women during their lifetime,2 with treatment costs totaling $7 billion in 2007.3 Older women are more likely to develop breast cancer, as well as women who are obese and those who have a history of cancer in their family.4 This year alone, an estimated 192,370 American women will be diagnosed with breast cancer and 40,170 will die from the disease, making it the second leading cause of cancer deaths in women.5

The affordability of treatment is often a concern for women diagnosed with breast cancer. Rising health care costs have left a growing number of Americans either uninsured or with less meaningful coverage than they need and deserve. The results of a recent survey estimated that 72 million, or 41 percent, of nonelderly adults have accumulated medical debt or had difficulty paying medical bills in the past year – and 61 percent of those experiencing difficulty paying medical bills had insurance.6 Health insurance reform seeks to eliminate these hurdles to ensure that women with breast cancer, along with all Americans, get the quality, affordable health care they deserve.
HEALTH INSURANCE COSTS FOR WOMEN WITH BREAST CANCER
Problem: Breast cancer patients have high and potentially ruinous out-of-pocket health care costs.

With each passing year, women face increasingly high deductibles, copayments, and other cost-sharing requirements, forcing them to make difficult decisions to make ends meet. Women affected by breast cancer are particularly susceptible to these rising costs. Breast cancer patients with employer-based insurance had total out-of-pocket costs averaging $6,250 in 2007, higher than out-of-pocket spending for patients with asthma, diabetes, chronic obstructive pulmonary disease (COPD), or high blood pressure.7

In addition to rising deductibles, copayments, and coinsurance, health insurance plans often contain annual and lifetime benefit caps, particularly in the non-group insurance market.8 Because breast cancer treatment is costly and long-term, patients are more likely to surpass these benefit caps, leaving them essentially uninsured. In one recent national survey, ten percent of all cancer patients reported that they reached a benefit limit in their insurance policy and were forced to seek alternative insurance coverage or pay the remainder of their treatment out-of-pocket.9

Jamie Drzewicki, Florida
Jamie reached her employer-sponsored insurance plan’s $100,000 annual limit after she was diagnosed with breast cancer. As a result, she amassed about $75,000 in unpaid medical bills. Her hospital eventually forgave $40,000 of her debt, but about $30,000 in debt remains. The medical debt caused significant stress for Jamie, who received many calls from collection agencies. “I am a hard worker and now I am making decisions between paying for my groceries and paying off some of my bills,” she says. “I stress about my bills, my job, my cancer.”10
Health Insurance Reform Solution: Make health care affordable for everyone.

Women with breast cancer are frequently forced to make decisions based on their finances and not on what is best for their health. By expanding health insurance to all Americans and providing premium assistance to make it affordable, health insurance reform will make health care affordable for women with breast cancer.
Health Insurance Reform Solution: Limit out-of-pocket spending and eliminate benefit limits.

Women with breast cancer are more likely to spend more out-of-pocket and reach yearly and lifetime insurance policy benefit limits than individuals without cancer. Health insurance reform will limit what insurance companies can force an individual to pay in out-of-pocket expenses such as deductibles and copayments. Health insurance reform will also eliminate yearly and lifetime limits on how much insurance companies cover when an individual is sick.
HEALTH INSURANCE STABILITY FOR WOMEN WITH BREAST CANCER
Problem: Too few women have access to stable, employer-based coverage.

In the current employer-based health insurance system, women too often fall through the cracks. Women are less likely than men to be employed full-time (52 percent versus 73 percent), making them less likely to be eligible for employer-based health benefits. Most women not covered directly through an employer are covered through a spouse (41 percent), while smaller proportions purchase insurance directly through the individual market (5 percent), or are insured through public programs (10 percent). Notably, 38 percent of these women remain uninsured.11 Such a piecemeal framework for obtaining health insurance can create uncertainty and anxiety for women already fighting a life-threatening disease like breast cancer.

Difficulty finding and maintaining employer-based coverage is especially pronounced for older women, who are more likely to develop conditions like breast cancer. Women are twice as likely as men to get employer-sponsored insurance through their spouse,12 but this coverage becomes unstable for older women as their spouses may go on Medicare. This can lead to a loss of coverage at a time when older women need it most.

Compounding these difficulties with employer-based coverage, breast cancer is also a physically and emotionally taxing disease, oftentimes precipitating an inability to work. Almost 20 percent of families experiencing any cancer reported that the cancer caused someone in the household to lose a job, change jobs, or work fewer hours.13

When employer-sponsored insurance is lost, limited protections exist to ensure families can find adequate coverage. Through COBRA coverage, breast cancer patients can usually continue their employer-sponsored insurance coverage for an average of 18 months by paying the full premiums themselves (with no employer contribution). Through the Health Insurance Portability and Accountability Act (HIPAA), breast cancer patients who previously had employer-based coverage can be protected in finding new employer-based and sometimes individual coverage, but this is subject to several conditions, including at least 18 months of prior uninterrupted group coverage.
Health Insurance Reform Solution: Greater and more affordable choices.

Many women with breast cancer lack or lose employer-sponsored coverage. Health insurance reform will create a health insurance exchange so an individual can compare prices and health plans and decide which quality affordable option is right for a patient and her family. Health insurance reform will ensure that you will always have choices of quality, affordable health insurance if you lose your job, switch jobs, move or get sick.
HEALTH INSURANCE FAIRNESS FOR WOMEN WITH BREAST CANCER
Problem: Insurance discrimination based on pre-existing conditions prevent breast cancer patients from accessing necessary treatment in the health care system.

In 45 states across the US, when a person with a health condition such as breast cancer tries to buy health insurance through the individual insurance market, insurance companies can charge higher premiums, exclude coverage for certain conditions, or even deny coverage altogether because of the pre-existing medical condition.14 Women are doubly affected by discrimination in the insurance market, particularly in their child-bearing years, when a 22-year-old woman can be charged one and a half times the premium of a 22-year-old man.15

Because of this, breast cancer patients, even when in remission, are unlikely to find meaningful insurance coverage in the individual insurance market. A full 11 percent of individuals with any cancer said they could not obtain health coverage because of their illness.16

The stress, costs, and uncertainty in maintaining coverage can lead people with chronic conditions like breast cancer to stay in a job they would otherwise leave in order to maintain health benefits – a phenomenon called “job lock.” This inability to change jobs has been estimated to cost $3.7 billion in forgone wages in a year.17

Joni Lownsdale, Illinois
Joni completed her treatments for stage I breast cancer in 2007 and is insured through her state’s high-risk pool. She pays $556 per month for coverage with a $500 deductible and a $1,500 out-of-pocket maximum. She and her husband are self-employed. They have two daughters and spend approximately 14 percent of their income on health insurance premiums and other medical expenses. They try to limit their family’s doctor visits in order to save money. “It is frustrating to me,” Joni says. “I am at low risk for recurrence, but because I have this cancer diagnosis on my chart, I am uninsurable.”18

In addition to the inability to find meaningful coverage, if an individual is diagnosed with an expensive condition like breast cancer while covered by a nongroup plan, some insurance companies will review her initial health status questionnaire for errors. In most states’ individual insurance markets, insurance companies can retroactively cancel the entire policy if any condition was missed – even if the medical condition is unrelated, or if the person was not aware of the condition at the time.19 This practice is called rescission.
Health Insurance Reform Solution: Eliminate Discrimination for Pre-existing Conditions and Health Status.

Health insurance companies often use the presence of chronic conditions like breast cancer to charge higher premiums and deny coverage. Health insurance reform will prevent any insurance company from denying coverage based on your underlying health status, including genetic information, and it will end discrimination that charges you more if you’re sick.
Health Insurance Reform Solution: Prohibit Rescissions

The threat of having a health plan retroactively canceled when someone falls ill creates insecurity and a lack of meaningful coverage at a time when breast cancer patients need it most. Health insurance reform will prohibit such insurance company practices.
HEALTH CARE QUALITY AND PREVENTION FOR WOMEN WITH BREAST CANCER
Problem: Breast cancer prevention and early treatment are under-emphasized.

Women who receive recommended mammograms for breast cancer increase their chances for survival and significantly decrease the projected cost of treatment. In recent decades, the size of breast tumors at diagnosis has decreased as mammograms have become more prevalent.20 However, many effective prevention measures that help with the early detection of cancer are not used often enough. One in five women aged 50 and above have not received a mammogram in the past two years.21

Uninsured women in the U.S. are less likely to receive these vital preventive screenings than women with insurance. A women who was uninsured for more than 12 months was half as likely to get a mammogram in the past 2 years than a women who had continuous insurance.22 As a result, uninsured women with breast cancer are significantly more likely than insured women to be diagnosed with a larger tumor or more advanced cancer. Women without insurance are also more likely to experience a 90 day delay between diagnosis and treatment (23 percent versus 3 percent) and are more likely to receive a mastectomy (37 percent versus 26 percent). And while they are more likely to initiate chemotherapy than insured women, they are less likely to complete it.23

Even for women with insurance, cost can be a deterrent to obtaining recommended screenings. Among Medicare beneficiaries, women with insurance plans that required a co-payment for a mammogram were significantly less likely to obtain the mammogram than those beneficiaries whose insurance covered the full cost (69 percent versus 78 percent).24

In 2009, 40,170 women will lose their lives to breast cancer.25 It is estimated that 4,000 breast cancer deaths could be prevented just by increasing the percentage of women who receive recommended breast cancer screenings to 90 percent.26
Health Insurance Reform Solution: Preventive care for better health.

Health insurance reform will invest in a prevention and public health fund and ensure that all Americans have access to free preventive care, like mammograms, through their health plans. In doing so, health insurance reform will create a system that prevents illness and disease instead of just treating it when it’s too late.
Health Insurance Reform Solution: Promote high quality care.

Health insurance reform legislation will establish medically driven priorities and standards on quality, require quality reporting by hospitals, and provide incentive payments for high quality performance. As a result, people with breast cancer will have better information to support their health care choices.
HEALTH DISPARITIES FOR WOMEN WITH BREAST CANCER
Problem: Low-income and minority communities are hit particularly hard by breast cancer.

Treating illnesses is a costly and stressful ordeal, and many minority and low-income women are disproportionately affected by breast cancer. African American women have a lower risk of developing breast cancer than White women, but once they develop the disease, they have a higher rate of dying from it. African American women experience five-year survival rates of 78 percent compared to 90 percent for White women.27

This is due in part to disparities in prevention. Women with less than a high school education, who are racial or ethnic minorities, who are low-income, and who are recent immigrants are all less likely to have had a recent mammogram. Low-income women have had greater declines in mammography usage in recent years compared with higher-income women.28, 29

Disparities also exist in treatment. Studies have demonstrated that Black and Hispanic women with early-stage breast cancer who undergo surgical treatment are less likely than White women to consult oncologists and receive recommended follow-up radiation and/or chemotherapies.30 A recent study showed that Spanish-speaking Latina women were six times more likely than White women to become dissatisfied with or regret their decisions regarding breast cancer treatment. African American women were twice as likely to have regrets about their treatment as Whites.31
Health Insurance Reform Solution: Expand Quality, Affordable Coverage Options

Part of the gap in health care for certain communities is a lack of affordable, accessible health care coverage. Health insurance reform will make affordable coverage options available to all Americans, by creating a health insurance exchange and providing premium tax credits to make those options affordable. Reform will also eliminate discrimination in the health insurance market that is based on medihttp://www.blogger.com/img/blank.gifcal history, including genetic discrimination. Together, these proposals will expand coverage options for minority and low-income populations, enabling them to access high quality care.
Health Insurance Reform Solution: Address Health Disparities

Health insurance reform will take steps toward eliminating disparities that minorities currently face both in their health and in their health care by investing in data and research into health disparities, focusing on cultural competency training for health care providers, and providing scholarships and grants to increase diversity in the health care workforce.

Source

Paying for Treatment Without Insurance


Question: I don't have health insurance. How will I pay for breast cancer treatment?

Answer:
Several government and private organizations help people without medical insurance to pay for treatment:

Begin by contacting the National Cancer Institute's Cancer Information Service at 1-800-4-CANCER (1-800-422-6237). They have information about how to get free mammograms, Pap smears, and treatment.
Call your local Social Services Department. You may be eligible for Medicaid or other programs for low-income women.
Call your local Public Health Department to find out about local health care programs.
Many hospitals run free clinics where they provide medical care at no or low cost.
Contact the Susan G. Komen Breast Cancer Foundation or the American Cancer Society.

25 December 2011

What is an insurance policy?


An insurance policy is a legally binding contract between an insurance company and the person who buys the policy, commonly called the "policyholder", who also is often the person insured.

In exchange for payment of a specified sum of money, called the "premium," the insurance company agrees to pay for certain types of loss or damage as specified by the contract. When a loss occurs which meets all of the requirements described by the terms of an insurance policy, the loss is said to be "covered" by that policy. The term insurance policy refers specifically to the written contract. You probably have other documents that may or may not offer you additional rights, including your application, any correspondence from the insurer, summary plan descriptions (for disability and medical insurance), and your declarations page (often shortened to “dec” page).

---------
To understand title policy insurance in America, let's look at chain-of-title and how title companies search the public records. Title insurance companies aren't really concerned with where dinosaurs once roamed, whether our ancestors trekked across the Bering Straight or where American Indian tribes settled. Title searches begin with when the United States government stole the land, I mean claimed it -- from the U. S. patent -- and move forward from that point.

Because humans are involved in recording deed transfers and plotting land parcels, a lot can go wrong. You want title insurance because it will protect you against defects and human error.

Property Searches and Public Records

Property transfers were first recorded alphabetically in separate Grantor and Grantee books.
The books are heavy to lift and dusty.
County records are often maintained at local courthouses or the Clerk of Registrars.
Today, most records are stored on the computer.

Division of Land

Early deeds involved large chunks of land known as Townships.
Townships contain 36 sections and are six miles by six miles.
Sections measure one mile by one mile and contain 640 acres.
Half of a section is 320 acres.
1/4 of a section is 160 acres.
1/4 section of 1/4 section is 40 acres.
An acre is 43,560 square feet

Title Search Basics

Title searches start with the most recent deed, searching the grantee's name (the person now holding title) backwards in time, until the deed when the grantee acquired the property is located.
That grantor's name is then searched backwards in time in the grantee's book to find when the grantor acquired title as a grantee.
This process continues, and over time, the property description involves larger and larger parcels of land.
Eventually, the searcher finds the U. S. Patent.

Other Factors Affecting Title

Deeds establish chain-of-title, but sometimes those chains are broken. In addition, title searchers also look for reconveyances (proof that the encumbrances are paid off), and they look for easements, rights-of-way, CC&Rs, other elements affecting title to the property. Here are more records that are searched to piece title together:

Marriage records
Death certificates
Tax sales

Title Insurance Coverage

Depending on the title company, consumers can choose among a variety of options, but the top three choices are Owners, Lender's and Extended Coverage.

Basic Owner's Title Policy Coverage:

Clear title to the property
Incorrect signatures on documents
Forgery, fraud
Defective recordation
Restrictive covenants
Encumbrances or judgments

Basic Lender's Title Policy Coverage:

Mechanic's liens and unrecorded liens
Unrecorded easements and access rights
Defects and other unrecorded documents

Extended Owner's Coverage

Building permit violations from previous owners
Subdivision maps
Covenant violations from previous owners
Living trusts
Structure damage from mineral extractions
Variety of encroachments and forgeries after title insurance is issued

Who Pays For Title Policy Insurance?

This depends on your local custom.
It can differ from county to county, but it is also negotiable in the purchase offer.
Sometimes sellers and buyers split the fee for the owner's policy.
Typically, the buyer pays for the lender's coverage.

How Long Are Title Policies Good For?

Forever, theoretically. If you are planning to resell the property within a couple years, ask your title company about "binder" coverage. Most companies will sell you a binder policy for 10% more. A binder is good for two years, often can be extended beyond that time, and the fee charged for the new buyer's policy will be the difference between what you bought the property for and the price at which it sold. In other words, you will get a credit for the amount of coverage you purchased under your own Owner's Title policy.

How Often Are Title Policy Insurance Premiums Paid?

Once. The fee is due when you buy. You will never pay it again. Title policy insurance is the best insurance policy you can ever buy.

At the time of writing, Elizabeth Weintraub, DRE # 00697006, is a Broker-Associate at Lyon Real Estate in Sacramento, California.
Elizabeth Weintraub's Home Buying Advice

How to Buy & Fix Up Your Home
Home Warranties & Home Protection Plans
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The Final Home Inspection Walk-Through
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14 Tips for Purchasing Life Insurance


Insurance is an important part of financial planning — but understanding insurance and buying the right product can be tricky. From whole to term life, riders to convertibility clauses, how do you make sense of all the choices? Most people rely on the expertise of their insurance advisor, broker, or sales representative to help them make the right decision. Yet, for some people, insurance representatives have developed a bad reputation, and many people do not trust the “recommendations” they receive.

From my own experience in the insurance industry, and knowing how representatives are trained, I wouldn’t trust many insurance sales reps either. Here are some steps you can take to ensure you get the right product for the right price:

Understand your needs. No one understands your financial situation better than you. That means you should avoid letting someone else tell you how much protection you need. You can get a rough estimate of your insurance needs by adding together your debt, estimated funeral costs, and six months to a year of income replacement. [J.D.'s note: One common rule of thumb is to multiply your yearly income by between 5 and 10, using the lower level if you don't have many dependents and few debts, and the higher level if you have larger debts and multiple dependents. But Ray is right: understand your own needs.] Taking stock of your financial policy can allow you to select the right policy for your needs. As sales representative, we were trained to sell large policies. Remember, you may not need an exorbitant policy — you need the policy that’s right for you and your family’s financial situation.

Understand term insurance versus permanent insurance. Understanding the difference between term and permanent life insurance (such as whole life) can help you make an informed decision about your insurance needs. Today, a term insurance policy should be able to cover most of your debt and financial needs. In turn, you may not need to purchase a whole life policy. Try not to be sold by the “what if” scenario you might hear from an insurance sales rep. Insurance companies traditionally make more profit from whole life policies than term policies, so be prepared to hear a sales representative promote whole life as the best possible choice (even though it might not be the best fit for your needs). Remember, buy what you need and make adjustments as changes become necessary. Term insurance is typically renewable and should have a convertibility clause which allows you to make changes in the future. There are certain situations where a whole life policy maybe more advantageous than term; however, do not purchase it simply because your sales representative told you should.

Speak with an independent broker. These brokers will have access to many more products than just one firm can provide. When I worked as an independent broker, I was able to offer much more to my clients than just a company product.

Avoid one-meeting recommendations. If your broker makes a recommendation in the first meeting, you know that they have not really analyzed your situation and looked for best options. So just say, “No, thank you” and keep researching.

Understand how the advisor gets paid. Find out if they are compensated through commission, fee-plus-commission, or fee only. If there is any commission involved with the sale, make sure to look at all alternative products available. With commissions, the advisor may have a conflict of interest. Just because your advisor is commission-based doesn’t mean they are bad — just ask more questions with them. I always worked on 100% commission, but I would give my clients several options and disclose if I got paid differently.

Recognize that insurance is for protection — not investing. Term insurance provides protection only, without a savings component. Whole life and universal life policies have a savings component and are much more expensive. You are almost always better off just paying for term insurance, and using the cost savings to invest elsewhere.

Ask the tough questions. Don’t be afraid to ask the advisor questions. You should know the product inside out before buying it. Is the policy renewable and non-cancelable? How long are premiums guaranteed for? Is there an accidental death rider? What are the exclusions?

Watch out for “know-it-all” advisor. If the advisor answers all your questions without referring to anything, or pretends she “knows it all”, chances are that she does not. Insurance policies are complicated, and even the best advisors do not know every product 100 percent and may have to look things up. There is nothing wrong with that.

Compare similar products. When you price shop, make sure you compare similar products.

Don’t replace old whole-life policies. If you have had a whole-life policy for several years, try not to replace it. You may lose all the premiums you have paid. You may also have to pay new administration fees (if applicable), and reset some clauses (such as the suicide clause). If your situation has changed and you need more insurance, just buy more. (This warning does not apply to term life.)

Do not buy expensive riders. The advisor might ask you to add on all types of riders. Stay away from them unless you fully understand them and need them. Again, in training there was always an emphasis on selling riders. Often I didn’t see any benefits to the client.

Do your homework. Make sure you do your homework before purchasing an insurance product. Make sure it fits your needs and budget, and make sure you understand the contract. The advisor is obligated to explain it to you. Don’t sign until you understand the contract.

Take a 30-day free look. You have 30 days to look at the policy and understand it. If you are not satisfied with it during that time, cancel the policy and you will get your premium back.

Keep it simple. Do not make your insurance planning complicated. Because it is based on protecting your family, it should be based on your needs. Don’t fall for all the bells and whistles the company may try to sell to you.

I hope these fourteen steps will help in your insurance planning. The basic idea is to educate yourself by doing your homework so that you can understand what you are buying.

23 December 2011

Breast Cancer Tips


BACKGROUND




Breast Cancer is not automatically a death sentence. In fact, the statistical model used to predict cancer death rates was recently found to be incorrect. So, in fact, there are many more cancer survivors than are reported in "the statistics".

The breast contains lymphatic vessels, milk ducts, lobes and fatty tissue. The breast is mainly a round mass of glandular tissue with fifteen to twenty lobes. Each lobe has a duct that leads to an opening in the nipple. The framework of the breast is composed of connective tissue with a ligament layer beneath the breast, which provides firmness.

Most breast lumps are cysts and fibroid masses that are not cancerous. Cancerous tumors and lumps never go away. They are firm and usually pain-free, and can appear in any part of the breast. A biopsy may be needed to determine if a lump is cancerous. Some of the symptoms of breast cancer are: thickening of the breast; lumps; and redness, soreness, or itchiness of the nipple.

There are several kinds of breast cancer. They are categorized by the site where the cancer cells originated and the area of the breast in which they are located. These are:
-Paget's disease of the nipple
- Lobular carcinoma (breast lobe cancer)
- Intraductal carcinoma in situ (localized within the ducts)
- Infiltrating ductal carcinoma (invasive milk duct cancer)
- Inflammatory carcinoma (lymphatic/blood vessel cancer)
- Adenoid cystic carcinoma (uncommon)
- Malignant cytosarcoma phylliodes (uncommon)
- Medullary carcinoma (uncommon)
- Tubular carcinoma (uncommon)

Cancer is unrestrained cell growth. Heredity, estrogen and environmental factors seem to be the main cause of breast cancer. Heredity cancers usually develop before the age of fifty. Estrogen promotes cellular growth in the breast. Environmental factors such as pesticides, chemicals, radiation, and silicone implanta have been linked to breast cancer.

There is an increased risk of breast cancer among women who:

- are childless
- in menopause
- started menstruation before 9 years of age
- have had a child after 40 years of age
- consume large amounts of caffeine, alcohol and sugar
- have diabetes
- use oral contraceptives
- eat high-fat diets
- are obese, especially for women over 50 years of age
- use ERT (estrogen replacement therapy) after long term use of 10 years or more
- frequent exposure to medical x-rays

Breast cancer is most common in women over 40, especially postmenopausal women although you can get breast cancer at any age. Men also get breast cancer although it occurs less frequently.

TRADITIONAL MEDICINE

Traditional medical treatments for breast cancer include: surgery, radiation therapy, chemotherapy, chemotherapy plus bone marrow treatment, hormone therapy, or a combination of these treatments.

Doctors once thought that extensive surgery could control the spread of Cancer, however they now believe that the cancer cells may break away from the primary tumor during surgery and spread through the bloodstream, even in the early stages of the disease. The use of drug treatment after surgery is used to kill these cells.

The key to any therapy is Research! Research! Research! Ask questions and get answers.


NATURAL TREATMENTS

Some of the natural health care treatments include:

- Antineoplaston therapy - Dr. Burzynski uses amino acid derivatives to inhibit the growth of cancer
- Biological and Pharmacologic therapy - use of non toxic medications, plant cell medications and human cell medications
- Shark Cartilage therapy - blocks the creation of new blood vessels which are required for cancer to grow and thus starves the tumor
- Herbal Remedies
- Immune System Treatments/Immunologic Therapies - bolsters the immune system to combat & destroy cancer cells using a whole body program of detoxifying the body by diet, uncontaminated water and vitamins.
- Metabolic Therapy - uses detox, colon cleansing, anti-cancer diets based on whole foods plus vitamins, minerals and enzymes
- Nutritional Supplement Therapies
- Diet Therapies
- Detoxification Therapies
- Ozone and Oxygen Therapies
- Lifestyle Therapies
- Mind-Body Therapies - counseling, bio-feedback, hypnosis, visualization, imagery, yoga, massage therapy, meditation, relaxation techniques



FOODS & DIET

Avoid:
over the counter meat, poultry, & dairy products; fatty, charred or grilled foods; well-done meat, processed refined foods, junk food, animal and vegetable oils, saturated fats, white flour, sugar, salt, NO alcohol, NO caffeine, drugs, nicotine, saturated fats, artificial flavorings, colorings and preservatives.

Good Foods:
Low-fat, high-fiber, mostly vegetarian diet; whole grains, fruits & vegetables, tart cherries, spinach, cabbage, yellow & orange vegetables (carrots, squash, sweet potatoes, yams), red & green peppers, turnips, tomatoes, broccoli, cauliflower, brussel sprouts, avacado, salt-water fish, brown rice, corn, alfalfa, soybeans, kelp, onions, strawberries, raw nuts (no peanuts), horseradish, yogurt, maitake and reishi mushrooms.

- 10 raw almonds a day
- Steamed distilled or spring water (no tap water)
- Fruit juices in the AM
- Vegetable juices in the PM
- Only organic/hormone free meat and dairy products because other types contain residue of estrogenic hormones that have been linked to promoting breast cancer



VITAMINS & SUPPLEMENTS

Multivitamin & mineral supplement (from a health food store please); plus extra Vitamin B complex (100mg/each), Vitamin E (400IUs a day and increase slowly to 1,000 IU a day) AND Vitamin C (5,000-20,000 mg/day)

Essential Fatty Acids (flaxseed, borage or black current oil) - helps good cell reproduction

Coenzyme Q10 (100mg/day), DMG (as directed on bottle) - improves oxygenation of the cells

Beta-carotene ((10,000IU/day), Colostrum (as directed on bottle), Garlic, SOD, pycnogenol,
- boosts immune system, accelerates healing

Germanium (200 mg/day); Shark Cartilage (750 mg/day), Maitake (4,000-8,000mg/day), Vitamin D3, Acidolphilus (non-dairy kind), SAMe (as directed), Bee Propolis, - helps deter cancer growth

Melatonin (3-50mg) - helps block estrogen-receptor sites on breast cancer cells

Calcium (2000mg/day), magnesium (1000mg/day), potassium (99mg/day), zinc (50mg/day) - aids normal cell division and function

Digestive Enzymes - helps reduce inflammation

Selenium (200-400mcg/daily) - has been found to help prevent formation of certain types of breast tumors

DO NOT TAKE IRON



JUICES

- A daily juice of organic fresh broccoli, cauliflower, carrots, kale, dark leafy greens and an apple
- Other good juices - Beet, Grape, Black Cherry, Carrot, Cabbage


HERBS


Burdock root, Dandelion Root, Milk Thistle, Red Clover - helps protects liver & blood cleansing
Cumin, Tumeric, Ginseng - may inhibit breast tumor growth & have cancer fighting ability
Ginko Biloba, Cat's Claw,Cranberry, Parsley, Boswelia, Andrographics Peniculata, Olive Leaf Extract


TEAS

Essiac Tea (Old Indian Remedy), Red Clover, Green, Ginger, Peppermint & Ginseng


SPICES
These spices may have Anti-Cancer Properties:http://www.blogger.com/img/blank.gif

Cardamon, Cayenne Pepper, Ginger, Rosemary, Sage, Thyme, Cumin and Tumeric


AROMATHERAPY

Eucalyptus, Hyssop, Bergamot, Geranium

This information is not intended to diagnose, treat, cure or prevent any disease and we recommend you check with your health care practitioner before beginning any treatment.

Link

21 December 2011

Selebritis Indonesia Yang Memiliki Jutaan Followers

Penyanyi Agnes Monica tidak hanya sukses dalam karirnya sebagai penyanyi. Di dunia maya, terutama Twitter, mantan penyanyi cilik ini pun terbilang populer. Jika di awal Agustus lalu Agnes mencapai 1 juta follower, hanya dalam waktu kurang dari 5 bulan follower Agnes bertambah 1 juta, hingga akun Twitter Agnes kini menembus lebih dari 2 juta followers di akun @agnezmo ini.




Penyanyi yang kini membawakan lagu lawas "Rindu" milik Fryda ini sebenarnya bukan orang Indonesia dengan follower terbanyak. Twitter mencatat akun penyanyi Sherina Munaf (@sherinamunaf) sebagai selebriti Indonesia di Twitter dengan follower terbanyak, yaitu lebih dari 2,29 juta follower.

Tapi Agnes menjadi selebriti Indonesia pertama (dan baru satu-satunya) yang diberi tanda "verified account" oleh Twitter. Twitter menyebut, tanda "verified account" merupakan tanda khusus untuk menunjukkan keaslian akun selebriti atau tokoh dunia. Tapi tak semua orang bisa mendapatkan.

Hingga saat ini belum jelas kenapa baru Agnes yang mendapat tanda "verified account". Tampilnya Agnes di sejumlah ajang internasional, antara lain sebagai international red carpet host di American Music Awards 2010 dan nominasi 2011 MTV Europe Music Awards, tampaknya menjadi salah satu pertimbangan Twitter dalam memberikan tanda "verified account" itu.

Bukan hanya Agnes selebriti Indonesia dengan jutaan follower. Rekor follower terbanyak dari Indonesia masih dipegang oleh Sherina Munaf, lebih dari 2,29 juta follower. Sherina yang pertama kali dikenal lewat film "Petualangan Sherina" ini sendiri tercatat pertama kali menggunakan Twitter pada 21 April 2011.

Selain itu, tercatat juga akun penulis Raditya Dika (@radityadika) yang memiliki jutaan follower. Raditya yang kini menggeluti dunia Stand Up Comedy ini memulai Twitter pada 15 Juni 2009, dan sekarang memiliki lebih dari 1,5 juta follower.

Ada juga aktris cantik Luna Maya (@LunaMaya26). Mantan kekasih Ariel ini tercatat mulai menggunakan Twitter pada 2 April 2010, dan kini memiliki lebih dari 1,17 juta follower.
Menariknya, baik Agnes, Sherina, Raditya Dika, juga Luna Maya, menggunakan Twitter sebagai sarana interaksi dengan penggemarnya di dunia maya.

Read more: http://3hsoftcom.blogspot.com/2011/12/selebritis-indonesia-yang-memiliki.html#ixzz1h6svdrDK
3hsoftcom.blogspot.com



20 December 2011

Cara Lengkap Instalasi Windows XP SP2

Beberapa dari teman aku, yang dapat menggunakan Sistem Operasi Windows bagaimana dengan menginstal Windows disistem komputer mereka sendiri. Mungkin bagi sebagian orang hal ini sangat mudah tetapi bagi para pengguna awam ini sangatlah sulit karena faktor kebiasaan menginstal komputernya yang kurang. Artikel ini aku pada siapa saja yang ingin belajar cara menginstal komputernya sendiri dengan benar tanpa takut melakukan kesalahan karena tutorial ini aku sertakan dengan gambar-gambar yang sangat mudah dimengerti.

Spesifikasi minimum hardware yang dibutuhkan:


> Prosesor Pentium 1.5 Ghz/AMD yang setara
> CDROM/DVDROM drive
> RAM 128 MB


1. Sebelumnya kamu membutuhkan CD master Windows XP terlebih dahulu kemudian masukan di CDROM/DVDROM kamu. Lalu restart komputer kamu, kemudian nampak tampilan seperti gambar lalu tekan tombol Delete pada keybord agar kamu dapat masuk di BIOS(Basic Input Output System) komputer. Pada beberapa jenis Mainboard harus menekan tombol F2 pada keyboard. Kamu dapat melihatnya pada perintah Press DEL to run Setup.







2. Lalu kamu akan berada dalam BIOS kemudian pilih Boot pada menu dan pilih item Boot Device Priority seperti pada gambar.



3. Setelah itu Kamu merubah [CDROM] pada posisi 1st Boot Device untuk boot melalui CDROM dengan menggunakan tombol +- di keyboard.Lalu tekan F10 untuk menyimpan konfigurasi kamu.

4. Restart komputer tunggu hingga muncul tulisan seperti pada gambar lalu tekan sembarang tombol dengan cepat.

5. Setelah pada tampilan berikut tekan Enter untuk lanjut pada proses instal atau R untuk melakukan reparasi Windows di Recovery Consule atau F3 untuk mengakhiri proses instal.

6. Pada gambar posisi partisi belum terisi oleh sistem windows.Tekan C untuk membuat partisi baru pada harddisk dan Enter untuk menginstal.

7. Lalu masukan berapa besar kapasitas partisi yang ingin kamu buat dalam satuan megabytes(MB) dan tekan Enter untuk membuat partisinya seperti terlihat pada gambar.

8. Kemudian tekan Enter untuk melakukan proses instal atau Delete untuk menghapus partisi.

9. Dan pilih NTFS file system (Quick) atau FAT file system (Quick) lalu tekan Enter.

10. Bila proses instalasi langkah 1 → 10 benar maka akan tampil seperti gambar.

11. Setelah itu kamu sampai pada layar berikut Click Next.

12. Lalu isikan dengan Nama dan Organisasi Kamu kemudian tekan Next.

13. Disini Kamu akan mengisikan Produk Key atau Serial Number dari type windows Kamu tekan Next lagi.


14. Isikan nama komputer dan password untuk mengaksesnya lalu tekan Next.

15. Set Time Zone pada posisi (GMT+80:00) klik Next.

16. Typical settings: Pada option ini settingan jaringan akan dibuat default windows dan Custom settings: Untuk mensetting jaringan kamu secara manual lalu klik Next.

17. Bila Kamu terhubung kejaringan local dengan domain pilih option Yes, lalu isi dengan nama DOMAIN yang sama dengan DOMAIN jaringan Kamu dan sebaliknya jika tidak terhubung kejaringan atau terhubung tapi tanpa DOMAIN pilih option No, sekali lagi tekan Next.

18. Selanjutnya Kamutinggal mengklik Ok,Next,Skip dan Finish juga diminta mengisikan nama kamu. hingga Kamu berada pada tampilan Dekstop Windows seperti ini. Sekarang Kamu tinggal menginstal driver hardware CPU Kamu.

16 December 2011

Gambar – Katak Terbesar Di Dunia

Goliath Frog yang berasal dari Sungai Benito, Cameroon , Afrika Barat adalah katak terbesar di dunia. Berat katak ni boleh mencapai 3.3 kg dan panjangnya pula boleh mencapai 33cm. Kalau di bandingkan saiznya lebih kurang saiz Kucing. Kanak-kanak di afrika sudah biasa dengan katak ini dan mungkin juga dijadikan binatang kesayangan dan peliharaan. Gambar katak terbesar di dunia Goliath Frog ada di bawah ni.


Goliath Frog yang berasal dari Sungai Benito, Cameroon , Afrika Barat adalah katak terbesar di dunia. Berat katak ni boleh mencapai 3.3 kg dan panjangnya pula boleh mencapai 33cm. Kalau di bandingkan saiznya lebih kurang saiz Kucing. Kanak-kanak di afrika sudah biasa dengan katak ini dan mungkin juga dijadikan binatang kesayangan dan peliharaan. Gambar katak terbesar di dunia Goliath Frog ada di bawah ni.