What Is Predictive Health-Care?

Predictive Health-care may not be a household term quiet yet, but basically this new, emerging way of delivering health-care in the US focuses on predicting health as opposed to waiting for disease to begin.The Challenge of “Measuring Health”Health is commonly defined as the absence of disease symptoms, and it is disease symptoms that are commercially relevant. However, physical symptoms are only the last stage in the progression of Illness, thus Preventive- or Predictive Health has to necessarily identify any degradation in Holistic Health, or what we call Vitality. Whole Health consists of 6 interweaving elements: Physical – Mental – Emotional – Spiritual – Social – Intellectual Health. As Physical Illness is usually the final manifestation of an Emotional Trauma, treating the Physical Symptom is only a temporary fix. In the attempt to forestall Physical Illness we need to identify the potential cause for the loss of Vitality and Lifestyle is the usual culprit. By Lifestyle we mean the person’s intentional choices such as Nutrition and Activities, and circumstantial factors, such as Environmental Exposure, History, Believes, Social Integration, etc.Conventional Health-care is not concerned with these intertwining Mind-Body issues, because the medical science consensus neither extends to analytical methods nor the interpretation of results. The generally accepted medical standard for diagnosing disease rests on sample collection, which can be reduced to numerical values, such as blood pressure, cholesterol, body fat, bone density and various biomarkers.In Predictive Health such samples and methods may be used, but in presumed healthy people, these “disease markers” just resemble a snap shot of a condition at the time of sample collection. If all results check out in the “Normal” range, a person is considered physically healthy, even when all 5 non-physical health elements are compromised. In such case, a physical symptom has just not yet established itself measurably.Vitality can be defined as the sum of all 6-elements that comprise Health. A person, who has thus been classified physically healthy, may completely lack Vitality, if any of the non-physical elements is reduced; while we may perceive a person to have great Vitality, if all health elements are in harmony.What is needed is a process that measures Vitality as the sum of all Health elements. As Vitality is a volatile condition, we cannot rely on static samples to predict a person’s susceptibility to contract any disease, nor can we recommend a Nutritional concept or Lifestyle modification based on static numericals, such as cholesterol, blood pressure, glucose and insulin. Instead, we have to dynamically monitor how well a person copes with lifestyle specific conditions that include various degrees of stress and rest, and we have to measure cellular function under changing situations. We want to assess the wear and tear that the body has undergone to date.These Test results portray a person’s strengths and vulnerabilities incorruptibly and reproducibly. When correlated with the person’s history, lifestyle and personal objectives, a Lifestyle optimization program can be generated that does not rely on prescription drugs.Why choose Predictive Health?A Japanese “Attitude Survey on Health and Preparation” (November 1, 2010; Hello-Global.com) states that 69.4% of the respondents “are worried about their future health”. In the US we are seeing sustained increase in growth rates for Organic Foods even in a recession? The statistics furnish the evidence that people are awaking to the fact that protecting health is better than recovering from illness. The leading market research and information analysis company RNCOS Press Release of October 29, 2010 reveals that the US Organic Food Industry will orchestrate 12.2% CAGR during 2010-2014. North American market growth for Organic Personal Care products amounts to 20% annually, according to Organic Monitor.”Even in the midst of the economic downturn, the Gym, Health & Fitness Clubs industry has maintained steady growth, with membership rates growing consistently and profits remaining solid. Demand for gyms and health and fitness clubs will continue to rise over the next five years, as the general public becomes more health conscious and the aging population places a greater value on staying fit” – According to IBIS World Industry Report of September 17, 2010. Merriman Curhan Ford, Fitness & Wellness Industry Report predicts US sales of Health and Wellness goods to reach $ 170 billion by 2012, a growth of 70% in 5 years. Gym memberships for people over 50 will rise even more dramatic over the next 10 years with a target market potential of 139.2 million people by 2020; according to Capital Connection, March 2010 Newsletter. The Nutritional Supplements market in the US will exceed $13 billion in 2014, yielding a compound annual growth rate of 7%; says Market Resaearch.com, in September 2, 2010 Press Release.These trend numbers clearly portray the global shift to Preventive Health, lead by the US which boasts the highest Health-care costs in the world. If we are truly concerned about our future health, evidenced by spending substantial money for healthy food and lifestyle, it should come naturally that we can no longer rely on drug-centric sick-care, but opt for Predictive and Preventive care.

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All Inclusive Vacation Package: All in One, All in Fun

The all inclusive vacation package will be the most wanted thing for the people who require the perfect and achievable vacation. As the matter of fact, vacation package will never come cheap, as it offers the full of joy moment for everybody. But you will feel amazing that the all inclusive vacation package is a denial. By selecting that type of package, you will find the great vacation in the affordable price.We can call the package with another name called cheap vacation package. In such case, you shouldn’t consider that the cheap price cannot give you the enjoyable as well as comfortable trip. The modest rooms provided in the package will provide the same comfortable feeling as the more expensive package. Why should we spend a lot of money for the clean and comfortable room if we can find it in the cheaper price one?What is the Benefit of this Package?The package will be the greatest solution to free yourself from compounding expenses. By taking this package, you will obtain the great offers, including hotel accommodation, plane tickets, the tour of the area, or even the tickets to other attractions as well. Other packages sometimes involve breakfast meals and some souvenirs of your trip. The all inclusive vacation package is really a more affordable package that will save much money rather than buying everything separately.This package is also beneficial for people who are going for vacation is a group.What about the Disadvantages?So that with the package. You will not only find the advantage of this package, but also the disadvantage. The all inclusive vacation package [http://vacationamazing.com/all-inclusive-family-vacation/all-inclusive-family-vacation-all-about-three-cs/], in summary, will require you to make sure the exact time of your departure and also the good research about your objects before going there.

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3 Biggest Downsides of Bad Credit

Ideally, all of the decisions we make in life involve consideration of both the pros and the cons of the possible outcomes. For example, the decision to eat a piece of chicken past its expiration date should be based not just on the potential for a tasty dinner, but also the potential for a less-than-pleasant gastro-intestinal reaction.In other words, most things in life have both upsides and downsides, and our actions should be – though aren’t always – predicated on whether the upsides outweigh the downsides. While many bad decisions can occur as a result of a failure to consider the downsides, just as many poor choices are the result of the failure to understand the downsides, rather than not considering them at all.Most people know that irresponsible financial behaviors can give you a bad credit score, for instance, but many folks tend to underestimate the many downsides of having bad credit. To help put things in perspective for your next financial decision, here are three of the biggest downsides to having bad credit.1. You Have a High Chance of Being Rejected for New Credit
At its heart, having bad credit is basically like walking around wearing a sign that says, “I can’t handle debt.” At least, that’s how most creditors are going to interpret your poor credit history and low credit score when you come asking for a line of credit.That’s because lenders use your credit reports and scores as a means of determining your credit risk, or how likely you are to repay what you borrow. So, if you have a history of missing payments or defaulting on debt, lenders aren’t going to want to give you more money, and they will reject your application for new credit.Think of it this way: If you loan your neighbor your lawnmower in June but they never return it, how likely are you to lend them your snowblower in December?Since most major banks have a fairly low risk tolerance, bad-credit consumers are left with limited options for finding a credit card or loan. Namely, you’ll be looking at lists of subprime lenders who specialize in bad-credit, high-risk applicants – lenders who aren’t exactly known for their affordability or top-tier rewards. Which leads us to the next big downside to bad credit: the expense.2. Creditors, Landlords, and Utility Companies Will Charge You More
It took a few tries, but you finally found a subprime lender that will work with you. Great, hard part over, right? Wrong. Lest you think that qualifying for new credit is the only big downside to having bad credit, just take a look at how much that credit is going to cost you.As we mentioned, your credit score is what lenders use to determine your credit risk. High-risk applicants are the most likely to default on their debt (not pay it), so lenders willing to work with bad-credit consumers have to find some way to balance the risk. They do this by jacking up interest rates and adding on extra fees.As an example, consider a $10,000 car loan repaid over three years. Applicant A, who has a great credit score of 750, will likely be offered an APR of around 3.5%, which means Applicant A will pay around $550 in interest over the three years.At the same time, Applicant B, who has a low credit score of 580, had to use a subprime lender to get the same size auto loan. The subprime lender charged Applicant B an APR of 10%, which means Applicant B will pay over $1,600 in interest over three years.What’s worse, it’s not just lenders and credit card issuers that will charge you more for having bad credit. You’ll likely face a credit check when applying for a new apartment or when you set up utilities in a new location, and having bad credit can result in being charged a larger security deposit than you would otherwise need to provide.3. You May Miss Out on Valuable Financial Opportunities
An important part of finance and accounting, opportunity cost is basically the consideration of what you’re missing out on when you make a decision to do something else. For example, if you choose to spend your last $5 on a fancy coffee, the opportunity cost could be that $5 hamburger you don’t get to eat later.When it comes to your credit, having bad credit is rife with opportunity cost. Take credit cards, for instance. With bad credit, you’re stuck using subprime or secured credit cards that likely cost a lot without offering very much. In contrast, if you had good credit, you could potentially earn hundreds of dollars worth of credit card rewards and perks every year simply by using the right credit card.And it goes beyond credit cards. Drivers with good credit can get dealer incentives when shopping for a new car, and you can even earn insurance discounts for having a healthy credit profile.Don’t forget the extra cash you’ll likely be required to provide when renting a new apartment. Say you’re required to make a $1,000 security deposit when you move in because of your bad credit. That money could easily be earning you dividends in your retirement account if it weren’t being wasted in your landlord’s bank account.Don’t Let Bad Credit Hold You Back
Although it’s our own decisions that often lead us to bad credit, few of us actively choose to tank our credit scores. You can wind up with bad credit as a result of a series of seemingly minor decisions that are made without full consideration of the consequences. Hopefully, however, knowing these three major downsides of bad credit helps give you perspective when making your next financial decision, be it large or small.For consumers already struggling with bad credit, these downsides are likely daily considerations. But they don’t have to be lifelong obstacles. You can rebuild bad credit over time by practicing responsible credit habits. You can also use credit repair to remove any errors or unsubstantiated accounts dragging down your score.The most important rule for building credit is to always, always, always pay your bills on time. Your payment history is worth up to 35% of your credit score, and delinquent payments can cause you to lose dozens of points with a single mistake. You’ll also want to ensure you maintain low credit card balances and only borrow what you can afford to repay as agreed.With time and diligence, even the worst credit can be rebuilt, freeing you from the many downsides of having bad credit. Even better, having great credit has plentiful upsides that will make the hard work well worth the effort.

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