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September 17, 2018September 17, 2018

Why Secure Transportation is Critical – Duty of Care for Business Travel

The needs for employers to meet their duty of care requirements to employees is a complex process to navigate for many organizations. Understanding what measures you can take to manage this level of risk remains a considerable challenge. Incorporating the use of secure ground transportation USA into your travel risk management plans is a prudent move to reduce this risk and keep your people safe. Now, more than ever the need arises as to how best to meet this legal obligation for staff and employees who are traveling overseas on company business. The constituent groups this affects are varied, ranging from executives, accompanying spouses and dependents, students, teachers, volunteer groups, contractors – the list goes on.

A Duty of Care – A Definition

The broadly accepted definition of Duty of Care is: ‘is a legal obligation, which is imposed on an individual requiring adherence to a standard of reasonable care while performing any acts that could foreseeably harm others. It is the first element that must be established to proceed with an action in negligence.’ Moreover, there is now a growing recognition both in the courts and with potential plaintiffs that breaches of duty of care occurring abroad can be heard in U.S. courts. The number of cases being presented has increased and employment lawyers are particularly alert to the issue.

Secure Transportation Considerations when Overseas

This sets an additional standard to be met by employers – in that the measures in place to meet the requirement at home may not suffice abroad. In fact, it is almost certain that it won’t. Your senior executives and traveling staff members will likely be most at risk and exposed to hazards when in transit – particularly when traveling by road or awaiting transportation outside of an airport, venue or business premises. If you are not paying attention to the additional safety and security needs for staff on travel abroad then it is highly likely that you may be placing your own organization at risk – both in terms of their physical safety, but also of potential future litigation.

Increasing Levels of Risk for the Business Traveler

The much-publicized case in 2015 of former NGO worker Steve Dennis provides an excellent example. Dennis, a former staff member of the Norwegian Re (NRC) issued the agency, claiming gross negligence and failure in duty of care after he was kidnapped and shot in Dadaab, Kenya. Dennis was traveling in a convoy through the camp when his car came under attack. The driver was killed, Dennis was shot in the leg and he and three other colleagues were taken captive. Interviewed in 2015, Dennis stated that: “Like everyone going into a risky situation for work, I believe there’s a minimum level of training and procedures required and when it’s not there I believe there should be accountability for it.”[1] This case absolutely highlights the need to have deliberate and sensible measures in place for employees traveling abroad – especially in an environment where there is an increased level of risk. Not only is transportation key, but also training employees – click here to learn about the Explore Secure® online travel safety training.

How Secure Executive Transportation can Protect Your Company

Employers and HR managers can help protect their staff (and indeed themselves) by reviewing their procedures and policies. Consider the use of pre-travel training packages or courses to prepare their people for the trips. Then, consider what can be done in-country to further reduce risk. As most issues and incidents tend to arise when people are in transit (especially traveling in vehicles on roads) a further consideration must be the use of secure executive transportation – with trained and vetted drivers. In higher risk environments with an increased likelihood of criminal activity, you may wish to use the enhanced services of a close protection officer in conjunction with secure transportation. It will keep you out of the courts – but above all will set conditions for a safer workplace abroad which in turn will allow your staff to focus on your organizational goals.

September 13, 2018

Sun Safety For Children

Sun safety for children is high on every parent’s agenda when the sun comes out. This summer has been amazing so far. Lots of sunshine and dry weather and plenty of opportunities for the little ones to be out in the fresh air. However as parents it’s drummed into us that we should protect our children’s skin from the ‘dangerous’ sun rays.

Of course we also need to think about keeping the children hydrated and cool too. So with this in mind we need to always think three important things!

Cover all visible skin with high factor suncream, ideally SPF50
Dress the kids in cool organic cotton clothes
Pop a cool cotton sun hat on them

Young babies and children are particularly vulnerable in the summer and extra care needs to be taken with protecting them. Babies under 6 months should be kept out of the sun whenever possible, and older babies and children should be allowed in the sun for a limited time and only when they are well protected.

Apply a minimum of Factor 30+ sunscream, Anything below SPF30 does not really give adequate protection. To be honest even adults should never go below a factor 15 and children ideally Factor 30+. Apply the suncream 15-30 minutes before they go out and try to use waterproof sun cream, especially when they are playing in swimming pools or the sea.
Even during term-time, remember that children are outside at school for break and lunch times. Look at buying the 10 hour protection creams and putting it on the children before school. A lot of schools allow the children to take sun-creams in but the staff are not allowed to apply it on the children.
Encourage your children to wear a hat and cover up. Loose organic cotton clothes are the most comfortable. The sun can still penetrate thin clothing, so ensure you cream them all over.
Don’t be tempted to buy cheap sunglasses for the children. We all know that children easily lose and break sunglasses but cheap ones can do more harm than good.
Use the shade as much as possible, especially for babies. Under trees and sun umbrellas are perfect for children to play under.

Sun Safety for Children

A survey revealed that:

83% of British parents don’t think it’s necessary to apply any sun protection to their children in the summer months before going to school.
Over half of parents don’t give their child a bottle of sun protection before they go to school during the summer.
A staggering 19% of mums and dads say their children do NOT have a shaded area in their school playground.
37% of parents buy lower than an SPF30 for their children.

Sun Safety Facts

babies burn faster than children or adults
you can burn in the shade from reflected light
a wet cotton t-shirt lets through nearly as much sun as no shirt
don’t wait till you feel hot, 10am sun burns as much as 2pm sun
always re-apply suncream after swimming even if waterproof
apply sun cream at least every two hours
cloudy days are dangerous- a lot of UV still gets through cloud

watch out for cool winds or water, it can make you think you are not getting burnt

TIPS

plan your trips to avoid being in the heat of the day 10-2pm
have picnics in the shade and play in the shade
enjoy the woods
encourage the children to wear hats and long sleeved t-shirts
give children regular drinks of water or fruit juice to keep them hydrated.

I hope you don’t feel like I’m lecturing you here. Sun safety is so important though and with skin cancer rates rocketing year on year, we must remember to protect our babies and children.

Enjoy the lovely weather but Think Safe!

Source: https://www.tillyandjasper.co.uk/blogs/news/sun-safety-for-children

September 5, 2018September 6, 2018

Never Seen Before! Secrets To Pass A Driving Test With Flying Colors!

No matter how superb a driver you are, it’s only human to feel anxious when an examiner sits beside you on the ‘D’ day of the test! Many new drivers, unfortunately, face the symptoms of the anxiety-like heart beating rapidly, palms sweating profusely, and many horror scenarios popping up in your mind. Experienced driving instructors who are able to fathom the anxiety of the student’s advice them to relax and stay calm.

They ask their students to visualize an outcome where they drive beautifully and pass out with flying colors. This is a very good strategy since it is your thoughts that create reality. Driving lessons at Partick see to that their students are well trained before they attend their driving tests. Therefore, they are able to drive well without verbal or physical intervention from the driving instructors.

Mock Tests by Driving Instructors! Driving schools now conduct mock tests which are very useful for the students. This is a real blessing to the students because they get to know and experience the procedures and conditions that they have to encounter, beforehand. It also helps the driving coaches to establish if the concerned student is ready for the test. Driving schools arrange for the tests to be conducted by driving instructors who the students are not familiar with. This helps the students to be prepared because it is a fact that driving examiners tend to talk less and they can know how to react to such situations. These mock tests are also conducted for about 3 hours as the same duration of a real test.

Tips That Help To Pass A Test!. Before you leave home, make sure that you have the learner’s permit with you. Ensure that you reach the test center on time and never be late. Do not take your cell phone with you or at least keep them switched off until the test is over. No examiner would like an intervention or interruption during the test. Listen attentively to all the instructions of the examiner and do not hesitate to ask him to repeat if you are not clear. That is Businemore preferable than doing things wrong. Always focus on the road and take care to check your speed and rear view mirrors regularly. Driving examiners make note of how alert you are to any unexpected entry of a vehicle or similar situations. It is better if you are well prepared to make moves and maneuvers. Parallel parking and three-point turns should be practiced well so that you can perform well.

Driving lessons also take care to see that their candidates are able to answer the ‘show me tell me’ questions. One of them requires the student to explain and the other to be demonstrative. Following all these tips and a little bit of confidence is sure to do wonders in passing the test with flying colors!

August 6, 2018August 6, 2018

Protective Surveillance White Paper

Protective Surveillance

The nuances of personal protection and the specialist options available to High Net Worth Individuals (HNWI’s), VIPs and Celebrities are never ‘one size fits all’. With each client, the situation and threat level will vary, as will their requirements and appetite. When it comes to security there is a myriad of options available, often (and hopefully) with multiple, complementary components working together in harmony. One weapon in the personal protection armory is Protective Surveillance. This article attempts to provide a comprehensive overview of a service that has multiple benefits, quite a few limitations, and several misrepresentations.

What is Protective Surveillance?

Protective surveillance is the creation of a covert security team around an individual or group, forming a protective bubble around the client in a covert manner. The Protective Surveillance Team (PST) watches those that may be watching the client. The primary role of a PST is working to control spaces and areas that would be used by hostile surveillance and potential imminent threats. Their objective is to pro-actively identify hostiles and threats (achieved through counter surveillance, behavioral analysis, and risk assessment). The other role of a PST (that runs concurrently) is to be able to react as a Quick Reaction Force (QRF) if required in extremis.

Why Utilize Protective Surveillance?

Hostiles normally use some form of pre-attack surveillance – whether rudimentary or professional. This may be short-term surveillance e.g. perpetrated by an individual opportunistic criminal looking for the best time to strike, or a high-level, multi-person surveillance team on a high-value target for hostile intent e.g. kidnap or murder. The PST will also be set-back from the Close Protection Team (CPT) and will likely have more of an over-arching perspective, able to dynamically risk assess without being caught ’in the weeds’.

Why Do Hostile Gangs/Terrorists Undertake Surveillance?

Hostile individuals or groups need to gather intelligence on their target. To increase the chances of a successful attack it is useful to know the comings and goings of a target, their habits, and routines. What security they have, its strengths and weaknesses. What are the opportunities and threats? A hostile surveillance team will be trying to answer all these things and more. It is with this information that they can formulate a plan to attack their target more effectively and with a greater chance of success.

One example of hostiles undertaking pre-attack surveillance is the kidnap of Anneli-Marie in Germany, 2015. The kidnappers told police after being caught that they followed her for weeks, gaining information. Eventually, when the time was right they struck. Anneli-Marie was walking the family dog around the estate near her house when they attacked, dragged her into the car trunk and zip tied her. This incident, unfortunately, ended badly after the kidnappers panicked when they thought she saw their faces. They killed her, and still tried to obtain the ransom.

Protective Surveillance Teams – A pro-active resource

Identifying threats early is vital to ensure time to react. If one has time to react then the chances of a favorable outcome are increased dramatically. Any aggressive force normally has the advantage of surprise. The attack occurs on their terms. Very few aggressors will attack if they don’t feel they have the upper hand, they do so at a time of their choosing, and probably after extensive planning and preparation.

The assassination of Denis N. Voronenkov in March 2017, a former Russian lawmaker who was killed in Kiev in a widely publicized killing, identifies what happens when security does not have time to react. Denis Voronenkov, who’d been a Communist member of Russia’s lower legislative house before he left, was fatally shot outside a hotel in broad daylight. The assassin walked up behind the target and his personal security, then shot Voronenkov, after which a gunfight ensued and both Assassin and security were shot, and the VIP left dead.

There is an increased chance that a PST would have identified the threat early, communicated with the CPT and been able to pre-empt the attack or intercept.

Protective Surveillance is NOT Close Protection

A normal CPT will have a multitude of tasks and duties to perform that require their undiluted attention. Their focus must when moving with the client, be on the there and now, able to react at a seconds notice to the immediate threat. They provide the necessary ‘close’ protection.

Although a CPT will likely carry out anti-surveillance, taking actions to determine whether they may be under surveillance, a CPT cannot be protective surveillance, and a CPT cannot carry out counter-surveillance. It is the author’s opinion that effective hostile surveillance detection on high-level adversaries can only be undertaken as an entirely covert separate entity. To have complete separation to the CPT and be no way linked over time or by proxy minimizes the chance of being compromised – this is key to successful Counter-Surveillance.

What is the Difference Between Counter-Surveillance and Protective Surveillance

Counter-surveillance is when a third party is utilized to identify whether an individual or group is the target/subject of surveillance. A dedicated counter-surveillance team utilizes multiple methods both physical and technical to determine covertly whether someone is under surveillance. This terminology is often horrendously misused within the industry from commercial ‘experts’ causing extensive confusion. Please click here to learn more about Hostile Surveillance Detection.

A protective surveillance team carries out counter-surveillance as one of its main roles but also has an underlying objective to protect the client from all threats, unlike a counter-surveillance team that remains covert and disseminates intelligence; a PST is in position, and trained to react to threats if necessary, and to break cover in the interests of client safety if required.

Why does the CPT not just carry out Anti-Surveillance?

Accurately and efficiently identifying surveillance comes down to a large number of variable factors, the core ones being; the skill of the surveillance team and the skill of the anti/counter surveillance operators. It is very easy to look, but actually quite hard to see. Meaning: Many so-called surveillance ‘experts’ know the theory, but few have quality experience e.g. counter-terrorism, counter-espionage at a Government level, and/or extensive commercial experience.

Many close protection officers and self-titled hostile surveillance experts have only done at most a week or two of surveillance training or only commercial operations. The majority, have never been operational against surveillance aware, government level targets in challenging and dynamic environments. In most cases, this is just not enough to have a comprehensive ability to identify organized surveillance teams. A trained surveillance team should be able to identify anti-surveillance being carried out by a CPT and avoid it. Likewise, poorly implemented counter-surveillance is easily identifiable. This is compounded even further if the people carrying out the anti or counter-surveillance do not know what they are looking for and when – leading to a false sense of security.

How Can Hostiles Identify and Avoid Good Counter-Surveillance?

If done correctly, effective counter-surveillance is extremely hard to identify and nearly impossible to avoid. If a professional counter-surveillance team carries out the role, the hostile surveillance team will never know they have been identified. This is what the PST does, they undertake counter-surveillance in a dynamic role, but ready to function in other roles including as a QRF.

Protective Surveillance is NOT Low-Profile Protection

Low-profile protection is not to be confused with Protective Surveillance, low profile is not covert, low profile is not counter-surveillance. There are multiple uses and reasons for the application of low profile security, but the key objective of this article is the description of Protective Surveillance. A PST, to be effective, must remain covert and separate from the close protection detail.

What Are the Objectives of a Protective Surveillance Team

The PST’s main objective is to remain covert at all times, working constantly to covertly identify hostile surveillance and any other potential threats to the principal. By conducting Counter-Surveillance there is an increased chance of identifying hostiles in attack-planning stages or identifying pre-attack indicators of hostiles. If such hostiles are identified there are normally (but not limited to) three follow up options:

Inform the close protection team of a potential threat so that the Team Leader can make an informed decision e.g. the removal of the client to a safe environment, but without highlighting that a threat has been identified.
Aim to follow the hostile surveillance team to gather intelligence on them (conduct surveillance on that hostile surveillance team – sometimes incorrectly referred to as Counter-surveillance), obtain intelligence, positive identifications etc. so that the necessary authorities can deal with and extinguish the threat.
If the threat is perceived as being imminent the PST can either disrupt, defend, pre-emptively attack, or supplement.

When Should Protective Surveillance Be Utilized?

Protective surveillance is best suited to individuals, families, or groups at high risk of kidnap or attack. It is, due to the covert requirements, a resource-intensive role. To source experienced operators and have them working in a protective surveillance role requires significant investment. Sometimes a blend of close protection, low profile protection, and hostile surveillance detection may be commensurate with risk, or better suited to budget.

Protective Surveillance for High-Risk

For a high-risk client, it is imperative a security team is pro-active and not reactive. Too many times history has shown that systems are put into operation too late. When it comes to high-risk clients, protective surveillance must only be used in conjunction with a close protection team. The two teams though separate, are symbiotic. They work hand in hand towards the shared goal of keeping the client safe and secure. A PST on its own would likely be able to identify certain threats at an early stage and act accordingly. However, they would rarely be close enough to protect the client from an impromptu attack, or act as a last line of defense. They are also not an overt presence that acts as a visual deterrent to potential threats. This is why the two teams work perfectly together, each with a different scope of work, yet entirely interlinked.

Let us look at a real-life scenario, highlighting where protective surveillance could have fitted perfectly in conjunction with close protection to help engineer a very different outcome.

Protective Surveillance – Case Study – A Colombian former interior minister Fernando Londono in Bogota was attacked during a vehicle convoy. His two-car convoy was held at a set of lights (one free lane to its left, two free lanes to its right) A bus then joined the left lane followed by cars to the left and right. Then a man crosses the street approximately 20 meters behind the cars carrying a large object. He circles around the bus and approaches Fernando Londono’s car attaching a limpet mine to the left front side. Within 30 seconds the mine explodes leaving two dead and 48 injured. Fernando Londono was very fortunate to survive; his level 5-armored car played a significant part in this. Some of his security detail was not so lucky.

It seems highly likely that the attackers in this instance would have had to have put Londono under prior surveillance to establish his routes, what car he traveled in, what security he had with him, did he have a pattern of life? Where best to carry out the attack and how to escape (the attacker ran down an alley to a waiting motorcycle).

A multitude of questions would need to have been answered to carry out such an attack. Protective surveillance would have most likely identified hostile observations and highlighted the imminent attack planning. Further, a PST follows the client at distance to observe the surroundings. There is a good chance that the team would have spotted a car following the client and more so an individual carrying a large suspicious object purposefully walking towards the client’s vehicle. As mentioned earlier identifying threats early is vital to allow time to react.

To further delve into this case study, Londono survived and was removed from the vehicle (via the trunk) injured and dazed within 30 seconds. His surviving close protection officers did a great job of extracting him through the crowd. What if there had been a second wave attack though? Let us imagine that the attackers had mounted a small arms assault post-explosion.

There is a good chance the surviving officers would have been overpowered due to their trauma and the focus on removing the principal. A PST also acts as a Quick Reaction Force (QRF) and would have been able to move in and work to protect the immediate vicinity, and help counter any secondary or tertiary attack. Thus, a PST can provide the necessary cover and support so the CPOs could withdraw to the protective surveillance’s vehicles and extract the client. This is obviously in an ideal world, and hindsight is a wonderful thing, but the principle is valid.

A QRF does exactly as its namesake; it is a force (in this case a PST) able to react quickly in case of emergency. The covert nature of the team would be disregarded at times of extremes to act as a suitable support team. Whether this is as an assault team, a medical support team, or an extraction team. The fact that they would be covert right to the last moment provides an extra level of surprise and advantage to the protection detail.

A Focused Tool

Protective surveillance is a specific and focused tool in the provision of security to an individual or group. In the case of High-Risk protection, it is ideally suited to work hand in hand with a close protection team. Their symbiosis allows for a greater level of protection to be in place and most importantly allows TIME TO REACT. For a PST to be effective it requires operators skilled and experienced in surveillance and counter-surveillance, as well as preferably Close Quarter Battle (CQB) and dynamic Hostage Rescue. Able to remain covert at all times whilst being in the right place at the right time to identify threats, and then react accordingly. This is why ex-Special Forces (UKSF and Tier1 US SF) and former Government level operators are perfectly suited to PSTs.

Covert protection – Unknown to the Protectee/s

Protective Surveillance can be used without the client knowing they are being protected. This is often used in cases of children that may be at risk from abduction or kidnap but do not know the risk for whatever the reason or the guardians require a greater degree of peace of mind. High net worth individuals and celebrities, for example, may have close protection teams but their children do not and have no appetite to do so. Yet the risk still exists. Kidnaps and abduction are a significant risk for these individuals as was identified in the Anneli-Marie case in Germany.

There are multiple limitations to this form of protection. As discussed prior, there would be no ‘bodyguard’ or person/s close to the protected at all times. Although not providing the level of protection that a CPT does, a PST can mold to this requirement of covert protection, allowing a parent to have peace of mind that their children are being observed, and overseen by a security team.

Point to Note: With reference children, a PST can be supplemented by a Close Personal Protection Officer Male or Female that operates in a Nanny, or Child Minder role (overtly responsible for safety and welfare of the child) but covertly they are trained CPOs, medics and in constant covert communication with the PST.

Protective Surveillance – Client Not Wanting Overt Security and Willing To Accept The Limitations

Whilst protection may be required, overt bodyguards or close protection teams may not suit the client. Certain clientele desire covert protection, not wanting the attention gained from having an overt team in close vicinity at all times, yet wanting the confidence that someone is watching over them, and working to protect them. Just like earlier there are multiple limitations to this form of ‘protection’ as no person is close to the client at all times. But, if done well a PST can adapt and constantly work to control the areas around the client, be in the best position possible, at the right times, undercover. This method is often expensive, more suited to short-term, set-itineraries, but can be achieved.

This article was written by Mark Deane, the CEO of ETS Risk Management Inc. and previously published in the Circuit Magazine.

Mark is a risk management specialist whose experience stems from his previous career as a Covert Operational Officer with the British Government. Since leaving HMG he has developed ETS Risk Management into one of the leading security companies for individuals, organizations, and corporates requiring a range of boutique protective services including protective surveillance.

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July 27, 2018July 27, 2018

A Healthy Baby Is an Organic Clothing Baby

When it comes to being green, even your new baby can be a part of the movement. With so many products on the market today, it’s easy to find a wide assortment of organic clothing Baby products as well. If you and your family make it a priority to be as eco-friendly as possible, you can find everything your baby will need to allow you to keep it at the top of your priorities.

You don’t have to look hard to find masses of organic products for everyone in the family, including baby. From indoors to outdoors, you can easily keep your focus on organic and eco-friendly products. For the new addition there are organic products to meet every need. When it comes to furnishing the new nursery, you can find an assortment of organic cribs, mattresses, and even bedding. You can keep your baby safe and use only the purest products. There is also a wide selection of accessories like slings, swings, and diaper bags for baby that is organic. Basically everything you can imagine baby would need, you can find in organic options.

If cloth diapers are your choice because of the environmental benefits, you can easily find many organic diapers to choose from. There are also organic toys, organic teething accessories, organic clothes, organic skin care, and even organic cleaning products, which will make the whole home safe for baby. Made from the purest fabrics and ingredients, organic products are safe for everyone in the home. It’s no wonder so many parents are choosing organic clothing Baby products to keep their little one safe.

From cleaning to sleeping, you can find organic items for your baby. With a wide selection of styles and colours to meet any need, it’s easy to keep your entire home eco-friendly and use only the safest and purest products for baby.

July 24, 2018

What Medicare Supplement Plan G Provides

Medicare Supplement Plan G is one of the most robust of the ten Medigap options. While some who talk about Medicare coverage options such as Medicare Part G joke about supposed lack of medical coverage, the Plan G option is far from laughable. For those who want to reduce their out-of-pocket costs beyond what Medicare Parts A and B cover, Medigap Plan G might well be a wise choice.

What is Medicare Part G? What Does Plan G Cover?

As with any Medicare Supplement Plan G helps defray health care costs not paid by Medicare Parts A and B. While each of the various insurance carriers offering Plan G creates its own package of perks, some benefits are standard to all.

Plan G medicare coverage includes:

Co-insurance costs for up to 365 days of a hospital stay after Medicare Part A runs out.
Part A deductible. In 2017, that cost is $1,316.
Part B co-insurance or co-pay. Once the Part B deductible has been met, this co-pay is 20 percent of the Medicare-approved costs for physician services during an inpatient hospital stay, durable medical equipment, and outpatient therapy.
Excess charge for Part B. When physicians charge legally-allowed fees higher than what Medicare is authorized to pay, this perk pays the difference. However, the federal government mandates that doctors can only charge 15 percent in excess of what Medicare has approved for the service or procedure. As example, a senior is having surgery to alleviate varicose veins. Medicare has determined that the customary and reasonable fee for this procedure is $1,800. The physician performing the procedure, if unwilling to settle for this $1,800 as full payment, would only be allowed to charge an additional $270 ($1800 x .15), for a total fee of $2,070. Plan G would pay this additional $270.
Co-insurance fee for hospice care provided through Part A
Co-insurance for a stay in a skilled nursing facility
80 percent of the cost of emergency care while traveling outside the United States. The only qualifier is that the care take place within the first 60 days of the overseas travel.

Why choose Medicare Supplement Plan G ?

This Medigap plan is one of only two supplements that pay Part B excess charges – fees that can be considerable for those who have chronic health maintenance needs or costly surgeries. The alternate choice for this coverage is Plan F, which , unlike Plan G, pays the Part B deductible. Plan F monthly premiums are greater, however. Deciding between the two must take into account availability in the senior’s residing state. While the U.S. federal government requires that each insurance carrier selling Medicare Supplements must offer Plan F, it has no such requirement for Plan G. Thus, Plan G may be harder to find, with fewer carrier and monthly premium choices.

Let’s study examples:

In Houston, Texas, four insurance carriers offer both Plans F and G. These are Gerber Life Insurance Company, GPM Life and Health Insurance Company, Humana, and United World Life Insurance Company. We compared rates for a 65-year-old male. Without exception, Plan F monthly premiums exceeded Plan G.

As example, the estimated monthly premium for GPM ‘s Plan G is $130.62; for its Plan F the premium is $174.83. A Texas senior using annual cost as criteria for a decision on whether to purchase Plan F or Plan G would find Plan G the best choice. The math looks like this: Plan F premium of $174.83 minus Plan G premium of $130.62 equals a savings of $530.52 annually ( or $44.21 monthly.) The only benefit derived from Plan F coverage as opposed to Plan G is the Plan B deductible payment (in 2017, $183 annually.) A senior opting for Plan G would then save $347.52 in 2017 ($530.52 minus $183.)

In considering Plan G over the nine other Medicare Supplemental insurance plans, the two primary factors are:

Whether Plan B excess charges are anticipated. That is, if the insured anticipates multiple or high-cost medical procedures by physicians who typically charge more than the allowed Medicare fees. If the answer is yes, the choice narrows to either Plan F or Plan G.
If, after a mathematical comparison of medicare supplemental Plans F and Plan G premiums in the insured’s state, the cost difference exceeds the annual Plan B deductible, Medicare G is the best choice.

July 16, 2018

Can Lasers Improve Stability of Orthodontic Treatment?

With orthodontic treatment, we have the ability to correct rotated teeth including teeth rotated 180°. The stability of these orthodontically corrected rotations continues to be an area of concern. A recent study in The Orange County Orthodontics Woodbury suggests a new technique to help reduce relapse of rotated teeth using a soft tissue laser.

One of the main causes of rotational relapse is due to the transeptal fibers connected to the tooth. Transeptal fibers are like little rubber bands connecting the tooth to the bone. When we rotate a tooth with orthodontics, these fibers stretch. When we remove the braces and let go of the teeth, these stretched fibers begin to pull back some. This is one of the reasons, orthodontists require you wear retainers after orthodontic treatment. This study showed that by using a soft tissue laser on the transeptal fibers, we can reduce the rate of rotational relapse almost 300%.

The use of soft tissue lasers for orthodontics is a fairly recent phenomenon (last five years). Many orthodontists have not invested the time and money necessary to become proficient in this new technology. While the use of a soft tissue laser is certainly not indicated for the majority of orthodontic patients, rest assured that Dr. Patel has the training and experience with using a soft tissue laser if needed for you or your child’s orthodontic treatment. If you have any questions about the use of soft tissue lasers in orthodontics or any other orthodontic questions, please contact your orthodontists today.

July 9, 2018

All You Need To Know About Childrens Clothes Sale

This website has been put together with a lot of care and attention to detail based my own experience searching for childrens clothes sale for my daughter Karolina. I used to spend hours searching for clothes for her and hardly finding anything with the “WOW” factor. Do you often find that?

So, with the help of some friends, I decided to put my own website together and to say that the number of visitors and people like you who are looking for some of the best childrens clothes sale available anywhere..the numbers have skyrocketed and that’s just because you can find the childrens clothes sale that are in fashion from many of the world’s top designers.

A big thanks to all who have contributed to make this a success!

If you’re like me, I just love dressing my daughter in beautifully styled and cute childrens clothes. I used to buy my childrens clothes on the high street but now there is so much to choose from online and at great value prices so you can get the best childrens clothes without costing you a fortune.

Don’t make the same mistake that I made – Assure yourself of finding the best Childrens clothes sale for your child from a supplier offering the biggest selection from the world’s top designers.

At Childrens clothes sale, we are proud to be offering you childrens clothes from many of the top fashion designers with an extensive high quality range of quality fashions, toys and accessories for children of all ages from birth to 16 years of age with over 50,000 products we have something for everyone to suit ALL budgets.

Just seeing how beautiful, cute and styish your children look in quality clothes is one of those nice feelings..that as a parent you simply enjoy

So, come on in, take a look around, you’ll love what you see as there is nowhere else online offering such an extensive range.

Our list of satisfied clients grows daily, the reason is that we offer some of the best selections of the world’s finest luxury baby sale uk, including Dior, Burberry, Little Marc Jacobs, Armani, Hugo Boss, Roberto Cavalli, D&G, John Galliano, Ralph Lauren, Fendi, I Pinco Pallino, Chloé, Hackett London, Monnalisa, Juicy Couture, DKNY, Simonetta and Miss Blumarine, Jean Paul Gaultier….. and more..

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July 5, 2018July 5, 2018

Online Guitar Lessons vs Private Guitar Lessons

Want to learn guitar but confused between online lessons or private lessons that which learning method is the best? Don’t worry guys, I am here to answer your questions about online guitar lessons or private guitar lessons. Hope this information proves beneficial for you!

Online Guitar Lessons – 24/7 Availability

There’s no doubt that both methods of learning the guitar are efficient but when we consider the availability; at that time online guitar lessons is definitely a winner. You can schedule these online video lessons according to your timetable. There is no hard and fast rule that you have to attend these lessons of learning guitar for some fixed time.

You can access these online video lessons 24 hours in a day or 7 days a week. Bottom line online guitar lessons are convenient.

Anytime Review

With the web-based guitar lessons, you are able to review previously learned techniques any time. You can watch online guitar video lessons. It can be very convenient being able to either review or watch an online guitar lesson video numerous times until the information becomes clear and the skills and guitar tricks taught can be mastered.

As students will not get this benefit in private lessons, for you have a limited amount of time usually 30 minutes or 60-minute lessons. Yes, you can keep asking the instructor to help you with a particular technique which can be helpful to see your private instructor do it over and over again but remember the clock is ticking and you will have to pay for him/her to teach it to you again and again.

Online Guitar Lessons are more Affordable

Affordability is another criteria on which we can decide that which type of guitar lessons are the best. As the information is the same for all students the instructors and creators are not limited to a certain amount of students. More students mean more earning. There is no limit to how many students can take a class online. This allows the sites to offer courses at more of a discount for students. Online guitar lessons are 40%-50% cheaper than private lessons.

Easy Picking

With the help of online guitar video lessons, it is easy to pick up each and every single technique or small thing. You can pause a video and notice every single position of the fingers very precisely. You can also learn different types of guitar techniques such as bluegrass, country, rock, etc. There are various bluegrass guitar video lessons, country guitar video lessons, rock guitar video lessons available on the internet.

Learning guitar is not a difficult task. The only thing you need is self-discipline because rest is readily available in front of you in the form of online guitar lessons. So, guys what are you waiting for? Go ahead and start learning today!

Originally Article

June 29, 2018June 29, 2018

Are You Losing Muscle Mass Due To Menopause?

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We often talk about menopause when what we are really referring to is perimenopause – also considered the menopause transition. Perimenopause is the period during which a woman’s body undergoes changes and it stops functioning as it did previously, losing muscle. This usually starts during a woman’s forties and is over by her fifties. It differs from one woman to the next. Surprisingly, the term menopause actually refers to the exact time and day her body has completely adjusted and these changes are completed.

Losing Muscle Mass

Perimenopause can last anything between four and ten years. There are many symptoms associated with this perimenopausal period. They include losing muscle mass, unaccounted for weight gain, hormonal imbalances, dry skin, thinning hair, sleeping problems, hot flashes, and irregular periods, to name but a few.

One of the most alarming but seldom talked about effects of the menopause transition is the loss of muscle. The effects increase when a woman becomes postmenopausal.

Why Losing Muscle When Menopausal?

The aging process brings about a decline in the body’s physiological functions. The body’s muscle mass shows a steady decline starting from around the age of twenty. When a woman hits menopause, however, the rate at which she loses muscle mass increases.

Studies have concluded that this increased rate of muscle loss is due to a deficit regarding the production of the estrogen hormone. The decrease in estrogen production also contributes to the loss of bone mass density, an increased risk of cardiovascular disease, and the redistribution of fat to the visceral area, which includes the body’s organs such as the lungs, heart, liver, or pancreas. To make matters worse, it has a direct effect on muscle tissue.

Muscle loss is mainly the result of an imbalance regarding protein synthesis in muscles and muscle protein breakdown, as well as increased catabolic factors. These include inflammation and oxidative stress. A decline in hormone levels, which is associated with menopause, is also involved. Additionally, new studies have shown that vitamin D also plays a role; a low level of vitamin D contributes to muscle loss.

Vitamin D plays an important part regarding the body’s ability to regulate calcium as well as in the development and maintenance of bones. Evidence also suggests vitamin D plays a role in muscle function. Research has shown that older people with a vitamin D deficiency were more at risk of losing muscle, falling, which is largely due to a lowered muscle mass ratio. Research has also shown that a deficiency in vitamin D is implicated in the atrophy of muscle fibers.

The Vitamin D-Endocrine Connection

Vitamin D is actually considered a ‘precursor hormone’. This means that it is a building block of an immensely important hormone in the body called calcitriol. This process takes place in one of the major organs in the endocrine system – the liver.

From there the kidneys take over and the results are transported to the different target organs in the body, with muscles being included.

The body is not able to create vitamin D by itself. It has, instead, been designed to create it by being exposed to the sun. Only a few hours per week are necessary. It could also be consumed by means of certain foods, such as fatty fish.

The problem, however, is that people are not exposed to the sun enough to acquire sufficient vitamin D. The negative side of this is seen in certain symptoms – such as losing muscle mass in women in menopause.

A Deficiency in Vitamin D Contributes to Adrenal Gland Fatigue

One of the contributing causes of adrenal fatigue is a deficiency in certain nutrients. Because it is a major contributor towards the functioning of the body, Vitamin D also happens to be one of these:

It helps to maintain a balance with regards to phosphorous and calcium.
Research suggests it plays a role in the countering of the effects of sustained cortisol production. The risk of osteoporosis increases when the adrenal cortex is forced to produce higher levels of cortisol over a period due to stress.
A Vitamin D deficiency has been related to the development of certain heart problems.
A low level of vitamin D is linked to the ability of adrenal glands to produce hormones.
A deficiency in vitamin D has been linked to the inability of your immune system to fight infection. It has been linked to chronic disease and constant inflammation.
Anemia is linked to a deficiency in vitamin D.

Adrenal Fatigue and its Complications

Adrenal fatigue usually occurs when the adrenals are exposed to a prolonged period of stress due to either physiological or psychological factors. Diet usually plays an important role as well.

Although a vitamin D deficiency is not the cause of adrenal fatigue, it contributes towards the problem and https://www.drlam.com/blog/serious-progesterone-side-effects-and-brittle-adrenals-part-1/30858/ Vitamin D is necessary because it aids in the production of adrenaline and noradrenaline. These two hormones are both produced by the adrenal gland.

Stress, whether of a physiological or psychological origin, depletes the body of vitamin D. The body then has to choose what it needs most when it goes into survival mode, which would be to manufacture another hormone called cortisol. Cortisol is the hormone a body needs in order to protect itself during long periods of stress. The prolonged production of this hormone, in ever-increasing amounts, perpetuates adrenal fatigue.

Prolonged stress, finally, leads to the NeuroEndoMetabolic (NEM) stress response kicking in. The burden of coping with stress falls onto the hypothalamic-pituitary-adrenal (HPA) hormonal axis, the primary neuroendocrine highway. This is the path the brain receives stress signals from, interprets them, and then by means of neurotransmitters and hormones sends instructions to the different organs of what they should do about the situation.

Once adrenal fatigue reaches stage three or stages four, the production of cortisol, as well as other related hormones, is negatively impacted. Advanced symptoms of adrenal gland fatigue set in, most of which are the direct result of a dysregulated HPA axis.

Where a healthy metabolism is able to detoxify itself and govern the body’s response to inflammation, a weakened metabolic system experiences an imbalance. It also reduces the delivery of nutrients needed for optimum respiration in cells, thereby retarding the body’s recovery rate from trauma, whether physical or psychological in nature.

The organs that are part of the neuroendocrine circuit are the adrenals, heart, autonomous nervous system, thyroid, GI tract, and brain. The liver, pancreas, immune, microbiome and extracellular matrix form part of the anti-stress metabolic circuitry.

When the body goes into stress overload, both systems are called into action simultaneously. Their activation is automatic.

Once this system’s proper functioning is completely disrupted, certain consequences result. One of these is an imbalance in hormones.

Part of the metabolic cycle’s process is the building up of muscle tissue. This is usually accomplished due to the actions of certain hormones, such as testosterone, insulin, and growth hormones that facilitate the process. However, when the body no longer has the energy to synthesize these hormones, the opposite takes place. In other words, instead of building muscle, the body actively starts losing muscle.