A commonplace advertisement from insurance companies is ‘no medical tests required to purchase an insurance policy’. People are attracted to the convenience of no-test policy compared to the one that requires all medical tests. But is it really right to purchase a policy without knowing your health condition?

Every individual going to buy an insurance policy whether health or life insurance needs to undergo medical tests as prescribed and should be aware of his health condition. This article discusses the importance and reasons for getting an insurance policy after taking medical tests appropriately.

Premiums are based on health condition
The premiums of an insurance policy (health or life) are charged based on the individual’s health condition. You need to make a declaration about your health condition in policy application form and the insurer fixes a premium rate on the basis of your discloser.

For understanding this clearly, lets take an example of two persons. Of them, one has high sugar levels and the other person has normal sugar levels. If both take insurance policy from a company that does not require medical tests then both will be charged same premium. But in reality, the premiums for normal persons should be less than the premiums of others with health issues.

The policies that require no-medical tests are:

Low value policies: Policies that do not consider health tests offer cover not more than Rs 5 lakh. So, if you are looking for a higher cover, that serves your life/health insurance needs, then you should take pure protection policy that requires you to undergo medical tests.

Prone to rejection easily: In most cases, the person who is taking insurance without a medical test may not be aware of his/her health condition. S/He may suffer from an illness and may not know about it till a medical test is conducted. In such a case, an insurer can reject the claim as these policies contain suppressed facts of your health condition with no proper underwriting. So, these kind of unintentional mistakes may simply deprive insurance cover even for those paying huge premiums.

Cover may be inadequate: If you get policies that require no medical tests, then you will also get the policy that has no appropriate insurance cover. It is like getting insured, but having no adequate insurance protection.

It is the actual responsibility of insurance company to determine the health condition of an insurance buyer. An insurance company simply cannot deny the claim as it is its responsibility to subject the policyholder to medical tests and then fix the premium.

Thus, a detailed medical examination that requires blood and urinalysis related tests, blood sugar, ECG, blood count, blood pressure, blood serum tests etc. will benefit you manifold. It provides your health condition report which tells you how fit you are. If you are suffering from any illness, get it cured before it ruins your health. Get complete medical record of your health before buying insurance policy.

Board certified plastic surgeon. Those are the words you must see if contemplating any cosmetic surgery procedure. You might ask yourself “Does that really matter?”. The answer is an emphatic yes.

The number of reports about ‘botched’ plastic surgery has skyrocketed recently. A careful inspection shows that most of these so awful results where not performed by real plastic surgeons. Most of the surgeries reported in the media are performed by licensed physicians, but not board certified plastic surgeons. What’s the difference?

To become a board certified requires completing an approved medical school. Then there are a few options. Older plastic surgeons used to complete a 5 year general surgery residency followed by 2 years of plastic residency and sometimes an additional fellowship. (That was my path.) Another options is to complete a combined program with 3 years of general surgery and 3 years of plastic surgery. An additional path is to complete an ENT, Orthopedic, or oral surgery residency and then complete plastic surgery.

You can see that whatever path is chosen, the training is extensive. General patient care is learned first, then the fine points of cosmetic and reconstructive care. It is an extensive training program.

Lets look at some of the recent news posts about botched plastic surgery:

Nip/Tuck Nightmare: The Dangerous New World of Cosmetic Surgery posted on Fox News
Case of ‘uniboob’ a startling reminder to pick plastic surgeon with care posted on MSNBC
Lack of training can be deadly in cosmetic surgery posted on USA Today
British woman dies after botched butt ‘enhancement’ in a hotel also posted on USA Today
Non-surgical cosmetic options also have risks was another USA Today post
Each of these news articles are worth reviewing. They are scary and the should give you pause. Is your surgeon certified? In plastic surgery?

One more thing I want you to see. Watch this very short video, put out by the ASPS. The video is on the main page and is entitled “Do Your Homework”.

So please, do your homework. Make sure your surgeon is board certified in plastic surgery. Make sure your surgeon is a member of the American Society of Plastic Surgeons, so you know they adhere to ethical principles and lifetime learning goals. Make sure not to skip this step or you could end up on one of the ‘awful plastic surgery’ websites. I’m sure that is not the way you want people to see you.

While there isnt an official area of expertise for cosmetic dentistry, orthodontics and prosthodontics both work closely with the cosmetic appearance of teeth, and most dentists will be able to make changes to your teeth to improve their appearance. The question is then, what kinds of cosmetic changes can be made to teeth?

If you are just beginning to change your teeths appearance, you will most likely start by seeing an orthodontist. While there are some people who are gifted with teeth that are perfectly straight naturally, many people have crooked or uneven teeth. An orthodontist will be able to fix almost all of these problems, usually with braces or other devices designed to adjust your jaw or teeth. Once your teeth are straight and (possibly) your bite has been corrected, the next stages of cosmetic dentistry Tacoma may be desired.

The types of additional cosmetic dentistry Tacoma cover a wide range of problems. Tooth reshaping, which may add to or take away from the size and shape of your tooth, can help some patients to have a more even or standard smile. Some people may have some teeth which are either larger or smaller than average, or have an unusual shape. This isnt always noticeable, but when it is, you may wish to have your teeth reshaped so that your smile appears more natural. Similar procedures can be done on the gums. Although, unlike the teeth, gum grafts which add to the gum tissue are much more common than procedures which remove gum tissue. If you are missing any teeth, a fake tooth can be placed between the remaining teeth and fused or otherwise sealed to the neighboring teeth.

The most common treatment in cosmetic dentistry Tacoma, however, may likely be teeth whitening. Many people feel that any discoloring in their teeth is unattractive, and pure white teeth are considered ideal. For this reason, tooth whitening in a dentists office is relatively common. On the other hand, there are also many kits and toothpastes that can be bought even in an ordinary grocery store that claim help you to whiten your teeth on your own. Many of these whitening kits can whiten your teeth over time, and they may cost less than whitening your teeth at a dentists office, but generally speaking, a dentist will be able to give you better, and often much more immediate, results.

We could always notice, deliberately or unintentionally, retailers crying out for customers both along the street and on the Internet that celebrities glasses sold within $10 to $50 are provided. Most customers would throb on knowing it, and a majority of them would take action to buy. However, a few of them has ever thought whether they are genuine ones or replica ones.

Replica glasses are usually poorly made. People wearing poorly made eyeglasses would feel dizzy and sick, meanwhile, objects in vision maybe blurry and deformed. More seriously, eyeglasses of low quality could contribute to many eye diseases to the eyeglass wearers. Trachoma, cataract and glaucoma, etc., are possible.

Therefore, one should learn to tell celebrities glasses from replica ones, so that their eye health would be better guaranteed. There are several methods: A). Check the package and relative assembly parts. celebrities glasses are equipped with manufacturer certificates, instructions in which detailed information for eyeglass frame and lens materials are included, as well as patented eyeglass case and cloth. Plus each glasses have its own electric product code and color code, which are especially designed by the manufactures. Therefore, before buying eyeglasses, you could surf on the Internet to check those information. B). Professional after services are provided. For the brand reputation, celebrities glasses offer professional services in case of possible problems of the glasses having been sold. C). Celebrities glasses are taken from the general agents concerned, but replica ones are not taken from the general agents, but maybe even from nameless factories. Usually there is no maintainability assurance provided. D). The easiest way is to distinguish them is according to the price. Under normal circumstances, no celebrities glasses would be sold at extremely low prices, like $10, $30 and $50. The range of fluctuation is within 25%–30%. It is true that the cheap buyer takes bad meat.

Learning from the above 4 points, one is believed to be able to tell celebrities glasses from replica ones in some degree. Therefore, when you once again encountering eyeglass retailers along the street or on the Internet who crying out that they provide celebrities eyeglasses of extreme price, do not believe them no matter how realistically they are describing their goods. Do not buy them as well, for poor qualified eyeglasses are rather bad for eye health.

Default Author Bio:

Firmoo.com is the fastest growing online community selling affordable yet high quality prescription eyeglasses, progressive glasses and other eyewear. Firmoo’s return and refund policy makes your purchase with Firmoo risk-free. Be sure to get your prescription reading glasses online ready.

Recent medical research suggests that the use of medical marijuana could play a significant role in reducing the progression of the dreaded Alzheimer’s disease. Tetrahydrocannabinol or THC that is its primary ingredient reduces and prevents the formation of neural protein deposits deep within the brain. These deposits are primarily responsible for this degenerative neural condition. Medical cannabis that is supplied supplied by medical marijuana dispensaries control the formation of these protein deposits or sticky amyloid plaques that result in neuronal damage, inhibits memory and cognition, cause severe loss of memory, and lead to confusion, irritability, mood swings, spatial disorientation, and speech problems.

The progressive and fatal Alzheimer’s disease destroys brain cells, which results in loss of memory, dementia, and disturbed motor skills along with diminished intellect and social skills. Alzheimer’s disease is among the top ten causes of death in the elderly in the United States. Research indicates that medical cannabis represents an effective drug treatment for Alzheimer’s disease and some of its symptoms.

While Medical Marijuana (MMJ) is legal in some cities of the United States, it is mandatory that all MMJ card holders obtain Medical Cannabis at legal the dispensary. A MMJ dispensary can also guide a patient in the process of obtaining their medical marijuana card.

Alzheimer’s disease is a degenerative condition that is marked by a continuous decline in memory and intellectual facility. It is incurable and terminal and usually affects people over 65 years of age. MMJ reduces the production of the neural enzyme acetylcholinesterase that triggers the formation of harmful protein deposits in the brain and lowers the level of the important neurotransmitter called acetylcholine.

While alcohol, heroin, cocaine and nicotine suppress and inhibit the growth of new brain cells, recent clinical studies by the San Diego based Scripps Research shows that marijuana promotes the growth of neurons. It is this property that strongly supports its medicinal use along with controlled and monitored distribution through various medical marijuana dispensaries.

There are a number of prescription drugs too that are known to stifle the growth of new brain cells. Apart from doing exactly the opposite, medical cannabis from the dispensaries decreases the growth of tumors and inflammation in clinical trials conducted on nearly 50% of patients afflicted with lung cancer. Patients find immense relief from their symptoms of Alzheimer’s through a licensed dispensary that supplies them with optimal doses of Medical Marijuana to cope with their symptoms.

The latest in a long string of celebrities to write children’s books when the going gets tough, Barack Obama has joined the ranks of children’s authors with his book, Of thee I sing.

Bookstores across the world are filled with celebrity offerings and Obama is not the first celebrity to turn to writing children’s books when they have been perceived less than favourably in the press. Though admittedly, he is the first president to aim his work at children. n.

Well-known names such as Madonna (who released her first of six children’s books, The English Roses, back in 2003) and Sarah Ferguson (who has released a string of books throughout her many periods of disgrace) have jumped on the bandwagon.

It is thought that these celebrities (including former First-Lady, Hilary Clinton) believe that by showing their softer, compassionate side, will regain the public’s trust and respect after falling from grace. Take Jordan, a.k.a Katie Price, for example – after a string of allegations and accusations in the press, Jordan released her sparkly pink offering, My Pony Care book.

Obama has provided himself some saving grace, in the form of all his proceeds going to charity. All money gained from sales of the publication will benefit the Fisher House Foundation, a charity dedicated to the children of soldiers wounded or killed in battle, and Obama is not giving any interviews in relation to the release.

Other cynics have also attributed the celebrities’ enthusiasm to the success achieved by the phenomenally popular Harry Potter books, which made JK Rowling both a celebrity and a millionaire.

Despite the fact that many cynics see celebrities’ writing ambitions as a money-making enterprise, it can be argued that it doesn’t matter who’s written the books; if children are more inclined to sit down and read just because their favourite celebrity is attached to the novel, where is the harm?

By reading more, children widen their vocabulary and advance their development. This outcome is positive even if the books themselves may ultimately be a cynical attempt at making cash and creating publicity.

About the author: Louis Sharman is a freelance author writes article on various topics. To learn more about various bookstores and Online Bookshops he recommends you to visit

Most relationships can be salvaged? It might be hard to believe that almost every break up for whatever reason, infidelity, plain old lost passion, loss of interest, a stolen heart, even the worst tenable situations you might imagine, like men/women who are serving prison sentences have salvaged their relationships.

Poems To Make Up With Your Girlfriend.

Yes indeed, even they have been successful in getting back together with boyfriends/girlfriends and husbands/wives after being away for years. You may have tried talking to all their friends and family but that likely did not work.

Everyone likes to have romantic and meaningful relationships. There are some couples who have faced arguments which cause a major break up. Is a serious plea for assistance echoing in your mind? It is never too late to save your marriage.

One step is to keep asking why until you work your way back to the root results in of the issue. You need to work very hard get your ex back fast, if you do not you will just get plural frustrated and your chances will start to rapidly diminish. There will be other people who are interested in your ex.

If then there is a doable way to save your relationship, then you should work very hard to find it. You will need to start the beginning of certain steps you need to do to get back with your girlfriend/boyfriend.

One very important solution to this problem is to find ways to spend more intimate time together. It is not recommended that anyone claim someone back if the relationship was abusive. Men do not like desperate women and women do not like needy men, they like danger. The ultimate goal is to erase old hurts, fire up passion again, get back to a time when your relationship was fresh, new and exciting.

The subject matter and step by step plan is powerful, and the techniques will cover in detail any relationship problem (With doable things to do) that keeps you from getting back together with your ex.

The author of The Magic of Making Up, TW Jackson, has been helping people just like you for years, and has suffer with scores certain types of complicated relationships, and all assorted types of break-ups. The guide will walk you through the steps that you need to take to win your ex partner back.

Poems To Make Up With Your Girlfriend, is she lucky or not?

The book is worth so much extra than it seems. It really does map a complete plan to get your ex back. Some points may seem a bit counter productive, although in the end they have worked for hundreds of people who wanted to make a relationship successful.

There are many types of cosmetic surgery and these have been developed from a very long time. Now you can find the plastic surgery or the cosmetic surgery that can change the way one looks. This is becoming more important for the people who are working in any field like the movies or music or the fashion models. These people are more concerned on the way they should enhance the beauty and class of their body parts and so a nose job or a lip job is to be found in abundance. The cosmetic surgery Jacksonville is growing among the men and women of all the countries. >

Aware of the looks to beautify

The recent popularity shows that people are more concerned and aware of the way they look as they grow older. They do not want to remain behind and lose the beauty of any parts of the body. The breast augmentation or the liposuction and facelifts are seen as ways to look better and younger. The cosmetic surgery Jacksonville helps the celebrities and the people who love to look better with immediate noticeable changes. The camera loves the better shape and the world find these people to remain ever beautiful.

Physical benefits and psychological aspect

The cosmetic surgery Jacksonville can give initial swelling and bruises but as these heals the surgery stains and lines are not seen any more and only the artistic part is visible for the people to welcome. The woman who has gone through the breast augmentation will enjoy the better shape of her assets. The same is true of facial surgeries that can give you a fuller lip or a sharper nose and a better cheek bones. The psychological aspects are also there like the raised self esteem and more confidence on self. The looks that are changed were wish for a long time and so it helps in socialization and a happier mental set.

You will find there are lots of things that one can do to get the effects of the cosmetic surgery. There is the liposuction that takes out the pocket of fat and the areas can be abdomen, chins or thighs. The nose job or rhinoplasty is done to give a perfect shape to the nose. The facelift is for anti ageing process and tightening of the facial muscles. Tummy tucking is another way to get rid of the fat in the abdomen and you can have flat stomach and abdomen. There are thigh lifts, chin and cheek are implanted and the calf lift or the upper arm lift are all done for specific areas to look sharper, slimmer and tighter.

The author Ethan Hunt is a professional writer , presently writing for plastic surgery jacksonville

The very first question most people have when exploring the realm of anti-aging skin care is, What skin rejuvenation products have been proven to be effective?

Accurate information regarding the multitude of anti-aging treatments flooding the marketplace is the best way to make informed decisions for developing your own skin rejuvenation regime which incorporates the anti-aging skin care techniques, strategies and treatments that best address your personal aging skin issues.

The basics of effective skin rejuvenation begin with the facts on anti-aging skin care treatments. There are several active ingredients that have been clinically proven to be effective skin rejuvenators. One of the most effective treatments is vitamin A derivatives such a retinol or retinyl palmitate.

Retin A or Renova vitamin A treatments are the strongest although the most irritating treatments of the vitamin A options and are only available by prescription. If your skin needs major rejuvenation attention, ask your Doctor if you are a candidate for the prescription vitamin A treatment of Retin A or Renova.

If not, including one of the other retinol alternatives in your skin care routine is an excellent strategy. The concentration of over-the-counter retinol products can range up to 1%. The basic rule of thumb is, the higher the concentration, the stronger the treatment. Be forewarned though, read the directions carefully because the stronger retinol products can be quite irritating to the skin. Starting slow and gradually working your way up to higher concentrations will allow your skin to adjust to the treatments better. The vitamin A derivative, Retinyl Palmitate, is the less irritating of the Vitamin A options and is considered to have quite effective rejuvenating qualities.

The next most beneficial anti-aging skin rejuvenation treatment is a chemical exfoliant such as an alpha hydroxyl acid (AHA) or beta hydroxyl acid (BHA) product. The most popular of these acids is an AHA glycolic acid. Glycolic acid should be use in concentrations of 8% to 15% depending on your skins sensitivity. Start out with a lower concentration and gradually move up to a 10% then 15% concentration depending on your skins tolerance in order to avoid irritation.

The last consideration is including an antioxidant to contain the skin damaging free radicals as well as to encourage overall skin repair. Products containing Vitamin C Ester, Spin Trap, or CoQ10 are all good options to explore. Then, of course, there are other viable anti-aging treatments which can be incorporated into your regime depending on your particular skin rejuvenation needs which include DMAE, Kinerase or Kinetin, and GHK Copper Peptides.

Finally, the most critical and essential aspect to any successful skin rejuvenation regime is sunscreen, at least once a day, each and every day!

Oily skin is one of the most common skin problems faced by teenagers and adults alike. The cosmetics industry has given rise to thousands of different skin care products over the past few decades to address this issue. Some have proven to be incredibly effective, while many have not. An important fact to remember is that while everyone’s skin is unique, the underlying problems that cause oily skin are not. By identifying what is causing oily skin it is easier to choose the right cosmetics to effectively solve the problem.

The reason skin troubles are most often associated with teenagers and young adults is because it is often caused by an increase in testosterone production. Testosterone is a male hormone however it is present men and women alike to varying degrees. The amount of testosterone in the bloodstream is a primary factor which causes excessive sebum production and secretion. It is important to note that other environmental and physical factors affect sebum production and secretion as well.

Controlling sebum production and secretion is the key to controlling oily skin. Excessive sebum secretion creates an oily film on the skin. Not only does this physically make the skin feel oily but it also increases the retention of dead skin cells. It is the retention of dead skin cells which are the leading cause of common skin conditions including pimples, acne, clogged pores, enlarged pores, and rough skin.

To decide which cosmetics will effectively control oily skin, it is important to focus on their underlying approach. The first thing effective cosmetics need to do is control the excessive sebum and dead skin cell accumulation. It is impossible to completely stop this process but it can be effectively limited.

Additionally, effective cosmetics must provide additional nourishment and relaxation to promote healthy skin growth. Unhealthy skin is at an increased risk of bacterial growth and the formation of free fatty acids. This is what causes the inflammation commonly associated with unhealthy skin and acne.

To control oily skin it is also important to utilize a moisturizer that creates a protective layer on the skin. This promotes healthy skin because it prevents the release of elastase and the formation of free radicals. Free radicals are associated with a variety of skin conditions. Finally, an effective cosmetic must thoroughly cleanse the pores. Clean pores not only lead to healthier looking skin but provide an additional defense against inflammation and the release of elastase and free radicals.

When choosing the right cosmetics, it is important to ensure they will control oily skin by combatting all of the problems associated with poor skin health. Some cosmetic companies package multiple products together when each product is designed to combat a specific factor which leads to oily skin. Other companies utilize an all-in-one approach. Neither option is inherently superior as both have proven effective. The key is trying multiple cosmetics to determine which one is the most effective for each person’s unique skin type.