Weight Loss – The Magic Money Spinner Of Health Industries!

Some of us are spending money and trying to keep that ever expending waistline down while others make fat profits on others misfortune. But what we didn’t know is that the same food companies are feeding us fatty sugary foods, profiting from us not only once, but twice.

There are two global food companies in particular producing food without the best interest for health or nutritional values. At the same time they own other companies for weight watchers where they are profiting from, in attempt to bring the weight down of which they are the ones that caused it in the first place.

What can we call it? Is it double dipping, double standard, or just outright cheating without any conscience?

It seems the heat is starting to build up and is becoming uncomfortable. One of the companies has already sold and the other announced a week ago that it will sell the weight-loss company to a private equity firm.

Big market’s and profits!

The market for weight-loss products and equipment is huge with big profit margins and yet, money is often spent with little results.

Money for gym membership and personal trainers is another boom industry, often with extension to weight-loss counselling sessions, medication, pills, sugary sport drinks and maybe some protein-bars chucked in for good measure. It’s just another tool of manipulation to the ones who are trying in desperation to get that extra weight off. At the same time, if not all, but most of the gyms are displaying cold drinks: What drinks? Sugary soft drinks, coke, diet coke, sports drinks and concentrated sugary fruit juices which are not helping you to take weight off, they are helping to keep it on.

This is just an example to become aware of the temptation that profit-seeking companies put in front of our noses every day and most of us fall for it hook, line and sinker!

Stay trim and do it from home!

Some years or decades ago gym or weight loss programs were hardly known or heard of; there was no need or demand for them. Now we all must have that work out to stay fit and lose weight. Losing those kilos or pounds is not necessarily achieved through extreme exercise. Anyone who has tried to lose weight this way would agree. Exercise and being active is certainly a large part of staying healthy and fit, and by simply regularly walking out in fresh air it has a positive effect on your mind and thoughts. To lose weight or improve your health is not a matter of costing you an arm or a leg; it is a matter of making better decisions about what you eat and spending more time on preparing nutritious meals at home. We have become lazy and unhealthy at the same time; we want everything, ready-made meals, remote controls, all as effortless as possible, but not for the benefit of our health or wellbeing. We’re far too smart to fall into this trap, spending time to travel to and from a gym or fitness centre to pay money to those who caused most of the problem in the first place.

Think about the changes you can make!

Changes are not as hard as you may think: There is much free information on how to make better choices, how to take little steps to get to that goal. You’ll learn how to integrate these methods in to your daily life; you will gain knowledge and therefore better overall quality of life.

In whichever way you are going to do this, make it enjoyable so it’s sustainable for any length of time. Remember: It is your health, your life and you are the one responsible for it, no one else!

Select from the food nature been giving us over thousands of years; this is what our body needs. We don’t need any of the gadgetry and processed food, sugary drinks and medication only to make things worse. It’s time to take action for the need of real transformation, action that actually can make that difference to your life.

This is not science fiction; most of it boils down to plain common sense. It doesn’t need a doctorate in medicine like some would like us to believe, just a basic understanding of knowing where to start and how to go about it.

The most important step to control your weight and leading a healthier life is the change to a healthy diet. Get more information from the FREE copy of my e-book report. The power of knowledge will give you the health you want to have.

Bipolar Disorder – Health Insurance

Obtaining health insurance to cover any mental health condition, such as bipolar disorder, is problematic at best, impossible at worst. For more than a decade, the mental health parity has been a topic of debate. This states that health insurance companies are required to cover mental health conditions at the same level as physical ailments. Many states have local laws in effect, and in October 2008, President Bush enacted the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008. It was not in full force until January 2010, and even now some stipulations remain. As it stands, you probably have limited coverage for your bipolar disorder needs, which is a very frustrating situation.

The particular part of a health insurance policy you will need to pay attention to is the “continuous health insurance” clause. If you have had a period of time, usually 30 days, without medical insurance coverage, then any diagnosis including bipolar disorder will be considered pre-existing and will not be covered. There are a few viable options available to people who fall within this category and are searching for health insurance companies to cover them and their mental condition.

First, you may have options available to you in the form of individual health insurance. This is your only option if you are self-employed and may be the only option if your conditions cannot be covered by job-based insurance. Individual coverage may be more expensive, but you may have the choice to customize your coverage if you can convince the insurance company to cover you despite your diagnosis of bipolar disorder. You may be able to get coverage for some elements, but it may be impossible to have your medications covered if your disorder is classified as a pre-existing condition.

The other option is to look into high-risk pools. 35 states operate these, which are designed to provide a safety net for people whose current health conditions prevent them from obtaining health insurance coverage. To get coverage in this way, you will undoubtedly be expected to pay more than with traditional health insurance because high-risk pools are expensive to maintain. Insurance companies will also take things like your age, gender, smoking status and state in which you reside into consideration when they establish the premiums you will be charged. High-risk pools cannot deny you, even if you have pre-existing bipolar disorder, but they can certainly choose to charge you more.

 

The Four Horsemen of the Private Equity Apocalypse

Introduction

Over 10 years, across 24 private equity sponsors, for 100 portfolio companies, and past 300 deliverables, certain patterns emerge. Let’s call these an 80-20 observation. This article addresses one such observation. Deal teams should think critically about four behavioral enemies of value creation that challenge both the investment professionals and the C-level stewards of their portfolio companies. We call these The Four Horsemen of the Private Equity Apocalypse.

Procrastination

The human condition is punctuated with preferences and avoidances. Deal teams are no different. The sizzle is in the next transaction. Comparatively, the operational side of the investment is boring. However, execution vindicates the investment thesis. Moreover, small, unattended problems may metastasize into full-scale crises.

Assuming the dashboard metrics have a practical mix of leading and lagging metrics, i.e., input, process, and output metrics, questions should be asked routinely about underlying root causes for variation against expectations. No different from a medical diagnosis, early detection and treatment underwrites good fiscal health. The points are simple. First, measure and analyze the “right things.” Second, react quickly to variation to verify whether it is a hiccup or a developing trend.

Denial

Denial regards self-deception through cognitive dissonance, i.e., filtering out stimuli contrary to one’s existing paradigm of “reality.” What’s the difference between denial and procrastination? They are first cousins. Whereas procrastination regards delaying execution that one knows should happen, denial is the inability or refusal to see the obvious need for action. For example, one who delays writing their will is a procrastinator. One who eschews the wisdom of a will is in denial.

Denial adopts irrational conclusions about negative dashboard metric variance. To wit, “This cannot be right (because we just renegotiated bank covenants)! Root cause(s)? Perhaps the forecast assumptions were flawed, the tracking metrics are unaligned, or both. The most common area of denial I witness in my private equity consulting practice regards portfolio company leadership teams. In Jim Collins vernacular, this regards the right people, with the right skills, in the right positions, at the right time.

Private equity transactions often place new responsibilities on portfolio company C-levels. Absent the aptitude and attitude to learn, the correct decision is a fait accompli because these C-level professionals are not sufficiently equipped to execute the responsibilities of their roles relative to the investment thesis. Great leaders chronically struggle with tough personnel decisions. Upon making the decision, most lament their denial that resulted in value-destructive procrastination.

Alpha-Dog Behavior

“Alpha-dog behavior” is another way of saying “control.” For openers, “control” is illusionary. Leaders only accomplish great performance through proselytized followers. Followers do not commit until they internalize the WIIFM-”What’s in it for me?” In deference to this new reality, leadership styles have changed dramatically over time. This entails abandoning command and control dicta in favor of more inclusive and collaborative styles.

Leadership style evolution is somewhat a generational phenomenon. Millennials have a different “flight-or-fight” DNA from baby-boomers. Millennials’ version of Maslow’s hierarchical aspirations of fulfillment and self-actualization has different definitions. A recent client experience encapsulates the point. The managing director fumed, “Doesn’t the (portfolio company) leadership team understand that they should be grateful to have a job in this economy?” Since the U.S. has enjoyed a basically robust economy from 1983 until 2008 (notwithstanding the mild recessions following Desert Storm and the dot-com bubble), millions of employees have a skewed perspective for “tough times.”

The picture is complicated. Sandwiched between employees and deal teams are C-levels. These C-levels may struggle with deal team directives. Why? Some deal team members lack managerial experience that translates into credibility chits with the C-levels. Recessionary dynamics exacerbate the phenomenon.

Hoarding

Hoarding is the antithesis of delegation. What’s the difference between hoarding and control? Actually, they, too, are first cousins. However, whereas control is a power manifestation of centralized decision-making, hoarding is related to execution. A prime symptom of hoarding is “around-to-it.” Translation: I’ll get around to it (eventually). Two counterpoints are offered. First, even Superman is vulnerable to kryptonite. Second, there are only 24 hours in a day; consequently, bandwidth is a finite commodity.

The solution is to prioritize and delegate to the lowest level of functional competency. This may be within the firm, within the portfolio company, or to an outsourced vendor. Hoarding is not a sign of strength. Hoarding may be viewed as a sign of insecurity. Moreover, hoarding may limit upward career mobility. A sage mentor once quipped, “If you cannot be replaced, you cannot be promoted.”

Effective leaders delegate. They also respect followers who push back for clarification on priorities and the corresponding execution implications. Successful leaders engineer efficiently executed deliverables. Superior leaders do not burn out their subordinates.

Summary

Many seasoned veterans opine that the more they learn, the more they realize how little they actually know. The “I don’t know” epiphany may be a healthy step toward value creation. The litmus test for leadership is what such professionals choose to do when confronted with the unknown. Electing to master new skills is laudable but time-consuming. Sometimes the skill entails knowing when to defer to a colleague or when to outsource to subject matter vendors. The decision-drivers are speed, costs, and benefits, i.e., IRR on the value-add. Indeed, relationship-minded vendors might address the issue as well as mentor both investment professionals and portfolio company C-levels toward knowledge transfer. Value creation hangs in the balance of the decision.

Home Equity Credit Line

What is a home equity line of credit?

A home equity line of credit is a form of turning credit in which your home serves as collateral. Because the home is liable to be a consumer’s prevalent asset, many homeowners use their credit position only for main objects such as schooling, home improvements, or health invoices and not for day-to-day expenses. With a home equity line, you will be official for an unusual total of credit your credit check, the utmost total you may sponge at any one time under the plan. Many plans set the credit check on a home equity line by pleasing a percentage (say, 75 percent) of the home’s appraised treasure and subtracting from that the tally allocated on the free credit. For example, accept example [D] In determining your actual credit check, the lender will also respect your ability to reimburse, by looking at your returns, debts, and other monetary obligations as well as your credit saga. Many home equity plans set a flat stage during which you can sponge money, such as 10 days.

At the end of this “draw stage,” you may be all allocated to renew the credit line. If your plan does not authorize renewals, you will not be able to sponge additional money once the stage has broken. Some plans may call for payment in bursting of any outstanding tally at the end of the stage. Others may authorize reimbursement over a flat stage (the “reimbursement stage”), for example, 10 days. Once official for a home equity line of credit, you will most liable be able to sponge up to your credit check when you want. Typically, you will use unusual checks to draw on your line. Under some plans, lenders can use a credit license or other means to draw on the line. There may be cessations on how you use the line. Some plans may demand you to sponge a least total each time you draw on the line (for example, $300) and to keep a least total outstanding. Some plans may also demand that you take an original heighten when the line is set up….

What should you look for when shopping for a plan?

If you elect to affect for a home equity line of credit, look for the plan that best meets your particular desires. Read the credit accord carbureting, and sift the language and conditions of diverse plans, well the yearly percentage velocity (APR) and the outlay of establishing the plan. The APR for a home equity line is based on the activity velocity forlorn and will not show the last outlay and other fees and charges, so you’ll want to relate this outlay, as well as the APRs, among plans….

Interest rate charges and related plan features

Home equity position of credit typically contain adaptable quite than flat activity velocities. The adaptable velocity must be based on a overtly existing sign (such as the superior velocity available in some main daily newspapers or a U.S. bargains invoice velocity); the activity velocity for sponging under the home equity line changes, mirroring fluctuations in the treasure of the sign. Most plans cite the activity velocity you will pay as the treasure of the sign at a particular time good a “margin,” such as 2 percentage points. Because the expense of sponging is fixed openly to the treasure of the sign, it is important to find out which sign is worn, how regularly the treasure of the sign changes, and how high it has risen in the older as well as the total of the margin.

Plans sometimes bargain a temporarily discounted activity velocity for home equity positional velocity that is unusually low and may last for only an introductory stage, such as 6 months. Variable velocity plans available by an apartment must, by law, have a ceiling (or cap) on how greatly your activity velocity may heighten over the life of the plan. Some adaptable velocity plans check how greatly your payment may heighten and how low your activity velocity may descend if activity velocities drip. Some plans authorize you to convince from an adaptable activity velocity to a flat velocity during the life of the plan, or to convince all or a portion of your line to flatter installment finance. Procedure commonly authorizes the lender to freeze or decrease your credit line under certain circumstances. For example, some adaptable velocity plans may not authorize you to draw additional resources during a stage in which the activity velocity reaches the cap….

How Does A Home Equity Loan Release Work?

A home equity loan is taken out against the worth of the house. It can only be for an amount that is not owed against the house. For example, if a house is worth $125,000 and only $100,000 is owed on the original mortgage, the equity in the house is right at $25,000. This is what is meant by the term equity.

Taking out a loan and using the house as collateral should be a last resort. Although the interest rates are lower on home equity loans, it is best to not jump into a loan which is going to use your valuable property as security. It is advisable to explore all available options before taking out this type of loan.

Once there is a large amount of equity in a home it is good to let it continue to mature. However, some people jump on the opportunity to borrow against it. This does place the home in some form of jeopardy. The more you pay the more the equity builds up and the more you will make if you decide to sell the house. Also, if you continue to pay without taking out a home equity loan the sooner the house will be paid for completely.

A home equity release is basically drawing on a portion of the equity but not all of it. You do not have to get a loan for the entire amount of built up equity, you can release a portion of the amount and borrow only as much as you feel you need. An equity release plan allows you to draw off the equity over a period of years. The amount of the loan can be increased over several years rather than all at once.

If the home owner should die while paying on a home equity release plan, the lender gets all the money back. The interest rates on this type of loan are usually very low because the lender essentially owns the house. This type of loan can be beneficial if one is trying to keep their property but needs to stay in a long term health care facility. Usually the equity has matured and can be borrowed at a very low interest rate. This allows the owner to pay it back even on a fixed income. By taking advantage of a home equity release loan one can keep their house and get the medical attention that is necessary.

Aiming at Health Equity Through Public Health

Health Equity or healthcare disparity is required to be diminished in order to imbibe a social institution, a discipline or a practice that improves healthcare for all. Aiming at this wellbeing is very essential especially effective through the route of Public Health. Let’s have a look at how this concept works in building up Health Equity.

Health services tend to fail due to lack of accountability. Health equity refers to the differences in quality of health and healthcare. There currently exist vast discrepancies between developed and developing countries in relation to public health. Ultimately, collaboration is what can reduce healthcare disparities. Focusing on prioritizing healthcare needs and their respective consequences and economic impact is majorly considered.

Public health aims at improving the health of communities. Public Health Solutions specialize in improving the health of all the health management information related communities, groups, organizations to address the various challenges for a better tomorrow. What differentiates this concept from various concepts is the fact that it emphasizes on communities rather than individuals or primary care physician. Healthcare professionals generally deal with just individual health. Here, all the efforts adds on improved quality of life with higher expectancy, world-wide reduction in infant and child mortality, keeping environment safe and clean, preventing many transmissible diseases and promoting good health practices.

For the delivery of better patient care there has been more focus on the computerization of hospitals. There have been efforts in making institutional care happen. Healthcare delivery too is one of the most crucial aspects. Although there is improvement in the managerial efficiency it is indeed required to account if the services reach the beneficiaries (poor) as well. Health Equity would be well managed through system management process leading to an outcome of spirited community.

Currently it is just treated as a nationwide concept and has not been given much of an essence since major focus has been always diverted to immunizations and curative care. What’s required to do through Public Health is evaluate and monitor health, diagnose and investigate, empower and educate the community on healthcare, develop policies or enforce laws to finally assure that care is well provided. The key is to make available all relevant information on healthcare community. Communities should participate in decision makings and taking up responsibilities respectively. The goals of preventing diseases and emphasizing on health needs would highly be achieved through Public Health for the benefit of the population as a whole.