President Obama Needs to Take a Good Look at Healthcare Costs

The historic inauguration of the forty-fourth President of the United States of America, Barack Obama, was celebrated throughout the fifty states and the rest of the world.  Mr. Obama becomes the first president who is not a white male.  His minority status as an African-American has made him a hero to millions of minorities in the country.  But, will his hero status remain as he moves into the coming year and tackles the many problems facing this great country.

One problem Americans need help with is the ever increasing cost of healthcare.  Many United States citizens cannot afford to provide the necessary healthcare insurance that their families need.  This is costing everyone.  When the uninsured must receive medical treatment to stay alive the rest of the citizens pick up the cost.  Even the cost of purchasing a ruined set of nurse scrubs worn by a nursing assistant the uninsured might throw up on.  We need a strong leader to curb the cost of even the smallest part of a visit to the emergency.

It seems as though a visit to the emergency room is never a small cost.  Why?  Could it be that the nurses running around in their nursing scrubs are being overworked and underpaid?  Or, is it that the doctors cannot afford malpractice insurance unless they charge outrageous fees?  Or is it possible that some hospitals and clinics are not being run as efficiently as possible?  As President Obama reviews and researches our nation's healthcare problems needs to search for the answers to these questions.

Research is constantly being done to improve medicine, to attempt to answer the questions of the world's diseases.  Biologist and chemist, wearing the same nurses scrub jackets we see in hospitals and clinics, are conducting experiments to improve medicine.  These researchers need to not only look for cures to today's illnesses, but they must also look for cheaper medicines, less expensive ways to treat even common illnesses.

ROI in Healthcare

With the constantly-rising cost of healthcare and health services, many healthcare organizations are concerned about providing quality and affordable care for their patients, while still being able to make a profit.

As with any other business, healthcare organizations are concerned about the return on their investments, or their ROI. Any time a new piece of equipment is purchased, or a new system is adopted, the ROI must be considered.

One question that is currently being debated, in terms of its potential ROI, is the adoption of electronic record-keeping systems such as EMRs and EHRs.

EMRs, or electronic medical records, are used to store all of a patient's information in an electronic format, and are designed for use within a single organization where a patient receives long-term care. EHRs (electronic health records) are intended to store a more comprehensive and all-inclusive patient history, and to be shared among several organizations which have access to the system.

That way, caregivers always have access to a particular patient's information (including diagnoses, test results, treatments, etc.), even if they visit multiple providers, without patients and caregivers having to concern themselves with the transfer of paper records.

Doctors and hospitals are slow to adopt these systems, however, because there is a high initial investment required; the equipment and software must be purchased, and then they must learn to use the systems.

The time and effort spent, by caregivers, on learning the new systems detracts from that which can be spent on patient care, and they must also pay their staff extra for the time they dedicate to mastering the technology.

However, despite the large initial investment, the ROI for these systems is high according to many experts, and more organizations are choosing to adopt the technology.

The organized and neat format eliminates time wasted trying to locate files and decipher notes that are often nearly illegible; the system can also help to eliminate medical errors, which saves money on malpractice insurance and lawsuits.

Unnecessary tests and repetitive treatments can also be avoided, which saves time and effort, but also a great deal of money.

Paper records also require a great deal more storage space than electronic systems, and use up a significant amount of supplies, which means that while the initial investment for these systems is low, the cost to maintain them over time can be much higher than many practitioners realize.

Body Basics and FAQ

Our bodies are built from the foods we eat, the water we drink, and the air we breathe. Imagine your body as fire. It is mainly built from proteins (in muscles, cells, hormones and enzymes), fats (in and outside cells), minerals (in bones and teeth), and small amounts of carbohydrates (in cells and in the "glue" of the cell). The fuels for your body fire are carbohydrates, fats and proteins. The kindling is essential fatty acids and iodine. Vitamins are the catalysts. They keep the fire burning effectively. The sparks that escape the fire, free radicals, need to be kept under control by antioxidants. The best fuel for your body is natural foods; raw, fresh fruits and vegetables; sprouted foods; moderate amounts of whole grains and legumes; yogurt; raw nuts and seeds; eggs, milk and oils; preferably, all organic. Eating natural foods and regular movement will ward off most health issues and dis-ease. Eating unnatural foods will cause constipation and other digestive problems. Constipation is a major cause of dis-ease. Food matter held in the bowel for too long will accumulate toxins which are then absorbed through the bowel wall into the blood stream and lymphatic system. This created a toxic body which leads to all kind of health issues.

Frequently Asked Questions:

Q. Why don't doctors talk more about nutrition if it is so important?

A. There is little or nutritional education in medical training. There are several reasons for this. First of all, the health care reimbursement system does not cover nutritional counseling; the medical field is by and large dictated through malpractice rulings, which nutrition has no place in and finally; the medical field is largely supported by pharmaceutical companies, again, of which nutrition and preventative measures do not support drug companies, they are seen as direct competition and opponents. So until the government views nutrition and preventative measures as an important part of our health care system, we must be responsible for our own health by reading and studying on our own. The irony is, if the government supported natural health measures, the cost of our health care would go down dramatically, our quality of life would go up significantly and the economy would respond in kind.

Q. Aren't my health issues are inherited and therefore I can't do anything about them?

A. It is true that you may be "prone" or "pre-disposed" to a certain illness or ailment, but the real truth is that you have more control over your health than any other thing. It is known that the environment (which also includes the way we feed out body) plays a much bigger part in our health than our genes. If we get the proper "fuel" for our body we won't lose our hair and we have a MUCH lesser chance of getting cancer. Everyone has different nutritional needs, based on their genetics. This is where personal responsibility comes in; we need to read, study and live health!

Q. Doesn't stress play the biggest role in my health?

A. Only when stress becomes distress; a negative factor in our life, does it affect our overall health. Everyone is confronted with stress. A kiss causes stress. Exercise causes stress. The plan is not to avoid stress, but to supply the proper tools for our body to handle stress.Stress is particularly hard on our adrenal glands. The adrenal glands produce the hormones designed to deal with stress. If we do not feed our adrenal glands the nutrition they need to properly respond to stress, they fatigue, build up scar tissue and finally wither. This is when stress can no longer be handled properly by the body and we respond with sickness and dis-ease.

Q. Why do I have to take supplements if I am eating properly?

A. Unless you are eating perfectly organic and home food grown in fertile soil, drinking pure water and breathing perfectly clean air, you are not getting all the nutrients your body needs for optimal health and a body that fights dis-ease most effectively. Most food we eat has lost a large portion of their nutrients during processing, packaging and shipping. Also, it is now recognized by top nutritionist that the RDA for vitamins and minerals are generally far too low.

Written by Angela Sladen, RSNA, CNC

False Insurance Claims on Rhinoplasty Procedures

As rhinoplasty is generally considered as an elective procedure by insurance companies rather than a medical need, most of the insurance companies do not even cover the expenses of the procedure. As the costs can range from $3000 to $12,000, there are some individuals who wish for the procedure without having to comply with the requirements of the insurance company. Some will go so far as to tamper with the claims, some doctors will tamper the claims, but when found out, penalties and probably litigations may just be right around the corner.

Only those rhinoplasty procedures which were done due to a valid medical claim can be covered. This includes trauma which can pose breathing problems, a diverted septum which had been broken due to a blunt trauma (accidental or because of a fight), or other reasons. But note, there are still some insurance companies which will not cover the medical necessity. To lay a false claim on a health insurance has been going around for so long and the insurance companies are placed in a difficult position. In fact, there are even some celebrities who have been caught in the scandal of false claims for a rhinoplasty procedure. The most common excuse is the deviated septum when in fact; the only reason behind the procedure was for aesthetic reasons. If and when the false claim is found out, then that would be considered a fraudulent act. The holder of the insurance can lose the insurance coverage; the doctor involved can face steeper penalties, including the threat of a malpractice suit. Therefore, it is very important that when thinking about having a rhinoplasty, to think twice, long and hard and prepare for the costs that cannot be avoided.

If you cannot afford it and still want the rhinoplasty, then look for an insurance company that can cover at least part of the expenses. Do not get tempted into going under the knife of a quack surgeon who can ask for the minimum fees but can ruin your face forever. The steepest penalty to be faced is a guilty judgement by a court of law, punishment of up to ten years imprisonment, compensation of money to the insurance company, there is community service for this particular case.

What is Conversational Hypnosis?

There is no such thing as hypnosis. This is a proven fact. For instance, if you see someone become so rigid that they can be balanced with their head on one chair and their feet on another, and someone else can sit on them, it is perfectly normal. Hypnosis doesn't exist. Conversational hypnosis doesn't exist either. At this point you might be shaking your head a bit.

Milton Erikson and other well-known hypnotists used no swinging watches or blinking lights when they "hypnotized" people. They merely chatted. When he was called before the medical board for malpractice (he was using hypnosis, which of course, does not exist), after dismissing the case, the doctors on the review panel said they felt a bit woozy during the meeting, but they attributed it to having just eaten a big lunch.

This article will look closer at conversational hypnosis.

Have you ever been in a thinking rut? You're poring over a problem, but no matter what you do, you can't think of any kind of solution. You keep thinking "What do I do?" over and over, but no answer is in sight.

What is happening is that you keep thinking "What do I do?" over and over so much that the answer doesn't have a prayer of getting through. But are you really sure that in the next minute or two that answer won't come to mind? And suddenly, there it is! Are you surprised? I'm not.

Let's go back a few steps and find out why this technique is effective.
Our first step is to create a connection. We recognize that you are stuck on this problem. We agree with you. It is possible that we agree that your problem has no solution whatsoever. We can emphasize this point if we need to. This creates a resistance in you.

Our next step is to state a fact. That fact is: You can't be positive... absolutely positive... that you won't find the answer to your problem in the next minute or two. Maybe you won't find the answer in the next minute, but can you be totally sure you won't?

This exercise breaks you out of your thinking rut. Even if you pause to wonder for even a split second that there may be a chance you'll find an answer, it means you stopped thinking about your problem, however briefly. You can't think of two things at the same time, and this frees up your brain to allow the answer to come through.

This is planting a suggestion. You're wondering now, which makes you open to receiving new information. Now we say, "I'm not sure why, but I have a feeling you may be a lot more certain you'll be able to find an answer to your problem now."

Let's look at another scenario.

A few months ago, I wasn't feeling up to par. I had a cold coming on, and I was not feeling well. I told myself, "You feel awful. Ugh." Since I had made this empathetic connection to my inner self, I then said, "But then, how do you know you won't feel a bit better in a few minutes... maybe even as fast as the next few seconds?"

This got me wondering, and I stopped thinking about how awful I felt. I told myself, "Hey, you're feeling a bit better now, aren't you?" I followed that with, "Wow, this method really works well!" And suddenly I was feeling better and could go on with my day.

Can you see how this worked? The effect was guaranteed, even though I knew exactly what was supposed to happen. It worked because it followed the rules our brains use to change thought patterns.

Here are the steps to succeed at conversational hypnosis:

CONNECTION
CONFUSION
SUGGESTION

While you should not be afraid to use these techniques, remember that you should not suggest to others that they should do things that will harm them in any way... including emotionally, financially, or their status. This technique can seem like magic. Look to the Karmic Law... you will reap what you sow.

Practice on yourself or where this may be of benefit to your own situation. See what happens.

Loans for Pending Lawsuits

There are many types of cases that qualify for loans for pending lawsuits, including personal injury cases such as automobile accidents; malpractice as in medical-legal, accounting, or construction; wrongful termination; discrimination; harassment; and much more. Lawsuit funding is available in most states and can be a very beneficial source of funds.

The fees charged by lawsuit loan companies can vary dramatically but it is usually best to stick with the larger companies, like Global Financial (http://www.glofin.com) because their larger volume of work allows for lower pricing. Usually a funding company will charge either a monthly fee or a flat fee depending on the risk associated with the claim.

Claimants should ask themselves one question before applying for a cash advance against their pending claim; will the advance received pay the immediate and necessary living expenses? A cash advance should be accepted only if the answer is "yes." If the answer is no then it might be wise to hold off and wait before applying for a lawsuit loan or cash advance against a pending claim. In addition, a lawsuit loan may be a very important tool when the defendant's insurance carrier decides to make a lowball offer for settlement in the claim. The claimant can then use a lawsuit loan as a financial tool to say no to the lowball offer and have the financial strength to wait for a higher and fairer settlement.

If a plaintiff takes a cash advance against the pending legal claim and the claim is then unsuccessful, the plaintiff gets to keep the money that was advanced. Thus the cash advance guarantees that the claim will be financially successful either by way of the cash advance or by way of settlement or judgment.

Most of the companies advance clients and attorneys the funds they may need while their cases are pending. This can eliminate any uncomfortable ethical questions between the client and the attorney. Companies allow the attorney to complete his or her case strategy, helping to avoid early and less profitable settlements. Some companies assess the qualifications of the case within 48 hours after receipt of the required case file material. If approved, the check is often sent the very next day.

How to Use a Doctor Review

Many men and women consider choosing a spouse to be one of the most important decisions of their lives. While this is certainly true, not far behind is the selection of a physician that will take care of your health and medication for years to come. Choosing a doctor that you like and can trust for many years goes a long way to improving your health. Having a person that you can talk to easily and voice your questions or concerns helps keep you involved in the health process. Proactive patients are healthy patients. Also, choosing a physician that you can trust for many years helps improve continuity of care. When you switch doctors and jump around, a lot of information is lost, even if your medical records are forwarded. By finding a physician that you can stick with for a long time, they get to know you and are able to make informed decisions about your healthcare and medication. This is important in preventative medicine.

So, how do you find that perfect doctor? How do you find a physician that you can easily talk to and trust with your health for years to come? This is where the doctor review comes in. A doctor review is an important piece of information delivered in a report form that helps you evaluate physicians on a number of different criteria. The very best way to find a good physician is usually through word of mouth from friends or family. However, many people do not have friends and family in their community. Perhaps they just moved across the city or across the country. In this situation, it might be wise to turn to an online database with information about comprehensive physician statistics.

A doctor review includes information on their education, experience, licensure, awards, publications, malpractice suits, complaints, patient praise, memberships, and hospital affiliations. All of this information is important to help you find the right person for the job.

In addition to reading and researching a doctor review, you should also take the time to find out as much information as you can about your medical problem or the particular surgical procedure you require. Many patients are researching doctors in order to find someone who is suitable to perform their elective cosmetic surgery. In this case, an elective surgery probably costs a lot of money and is most likely not covered by insurance. As with any investment, it is important to put your money where your mouth is. Take the time to research the procedure and the physician and you will be happy with the results for a long time to come. Choosing to save a buck by going with a physician that mysteriously offers a discounted rate may not be the best idea.

As you can see, the doctor review is an important part of the physician selection process and empowers the patient to take responsibility for their health.

Reasons Patients Choose Alternative Cancer Treatment

Like many other major debilitating illnesses, is a serious, life-threatening disease that can cause the patient to feel extremely anxious and frightened about the direction of his or her health. Choosing the appropriate healing regimen can be daunting since it is generally difficult to predict whether the benefits of the system will outweigh the potential side effects. Many times the patient is encouraged to begin treatment even if he or she is not yet experiencing any symptoms from the disease.

Many people are not aware that there are other options for the treatment besides chemotherapy. More and more people are opting for alternative cancer medication and relying on natural-based therapy instead of synthetic, pharmaceutical medications and procedures to alleviate their symptoms, improve the functioning of their organs, and diminish the disease that is infecting their body.

Why do many patients opt out of chemotherapy for this type of regime? There are numerous reasons for this, but a primary reason is that chemotherapy is known to cause a variety of severe, and often painful, side effects.

Although chemotherapy has shown to eliminate cancerous cells by targeting rapidly dividing cells, the medication and procedures associated with this treatment also affect the normal, healthy cells that exist in the patient's blood, intestinal tract, nails, nose, mouth, and hair, causing a multitude of issues not related to the disease.

The severity of the side effects largely depends on the amount of chemotherapy medication being administered, as well as the health and endurance of the person undergoing the process. The most common physical side effect is nausea, but often other symptoms appear and linger, such as depression, rapid weight loss, diarrhea, vomiting, fatigue, general pain, and hair loss.

Another reason why many people decide to take a more natural route in regards to cancer therapy is cost. Mainstream medicine is a multi-billion dollar business, and the decisions and recommendations that medical doctors make for the patient are largely influenced by the amount of money involved.

Their practice is regulated by the FDA which promotes only approved pharmaceutical drugs, and their malpractice insurance will not cover their practice if they use unapproved procedures or prescribe unregulated drug alternatives. Many times the judgment of the medical doctor is determined by specific guidelines and regulations instead of the overall well-being of the patient.

Alternative cancer treatments generally refer to treatments not yet approved by the FDA and have not yet been accepted by mainstream society, but more and more people are realizing that these are not necessary requirements for a successful cancer treatment, especially since many of these practices are scientifically-based and shown to have effective results.

These healing practices are holistic in nature, meaning that all aspects of the patient's well-being are taken into consideration when formulating a regimen, including emotional factors, lifestyle habits, social aspects, psychological influences, and the person's mental state.

The New World of Drunk Driving Today

Driving under the influence of alcohol, or "DUI" as it is usually called, is the most commonly committed crime in the United States. Yet it is almost always committed by a noncriminal - that is, by an otherwise respectable citizen who has never been in trouble with the law. Consequently, representation of the DUI defendant often is attempted by attorneys not versed in drunk driving laws. Typically, the defendant's business or family lawyer will undertake to represent him "as a favor". Drunk driving, the lawyer tells himself, is merely a glorified traffic offense. Certainly it is not as serious or complex as a "real" crime, and therefore cannot call for any particular expertise.

This is invariably a tragic mistake. Any lawyer representing a client charged with DUI should be aware of certain preliminary facts.

Though the most common of all offenses, DUI is one of the most complex to understand and defend properly. And the stakes in a DUI case are high - higher in the long run than for most other crimes.

A unique system of legal standards and procedures exists in DUI cases, a system geared to facilitate a conviction. Once the DUI defense attorney is fully aware of these facts, he can proceed to competently represent his client.

Common though DUI is in our courts, it represents one of the most difficult criminal offenses to understand and to litigate. Consider first the nature of other crimes: If the client is charged with petty theft, for example, the issue is usually simply a question of whether he was really seen taking something; if burglary is the charge, perhaps fingerprints represent the most esoteric area involved (if even that); and, in a rape charge, semen analysis may be the only subject requiring any special expertise. In fact, in the majority of crimes, the trial hinges solely on one issue: Did the eyewitnesses see what they testified they saw? Even in circumstantial evidence cases, rarely is anything more exotic than DNA, handwriting analysis or ballistics evidence involved.

Now, consider only superficially what the primary issues are in a DUI case: What was the blood alcohol level in the defendant an hour or so prior to the analysis of a breath sample? To what extent was alcohol chemically affecting the brain tissue of the defendant in such away as to "appreciably" impair his "judgment," his motor reactions, and his coordination?

In other words, the basic issue is to define chemically what was going on in the client's brain and body at the time of arrest. Even brain surgeons do not yet fully understand how the human brain functions. Yet, in an attempt to determine the biochemical conditions within his client's body at a remote moment, the DUI lawyer must be knowledgeable in chemistry, physiology, photochemical and infrared analysis, gas chromatography, etc. And what is meant by "appreciably" impaired? How does one define "judgment"? How is individual tolerance to alcohol measured? What effects do various drugs and medical conditions have on the metabolism of alcohol? Is there any inherent error in breathalyzers? These issues can continue seemingly without end.

Make no mistake: DUI is one of the most complex of all criminal charges, and undertaking to defend a client on such a charge without extensive preparation constitutes nothing short of malpractice.

The second misconception commonly held by both clients and attorneys is that the penalties for drunk driving are only minor. After all, DUI is only a step removed from a traffic citation.

Again, consider the probable consequences if the client were arrested for, say, petty theft, solicitation, or assault. Since it would probably be his first offense, and since he has probably led a sterling life, he will probably not receive jail time. Instead he will be fined perhaps $300 and placed on informal probation for approximately two years. In many jurisdictions, he can come back into court after a probationary period and have the conviction expunged - that is, erased from his record. End result: a few hundred dollars, inconvenience, and attorney's fees. In fact, statistics indicate that the majority of defendants convicted of felonies end up serving no time in custody; the majority are placed on probation, often without even having to pay a fine.

What does the citizen arrested for DUI face? Depending on the jurisdiction, of course, the first offender may be fined $1,500 and also placed on probation, as a beginning. In addition, the court and/or DMV may take his driver's license, a license that may be critical to operating his business or performing his job. His car maybe impounded or he may be required to have ignition "interlocks" placed in it. He will have to attend special DUI schools, occasionally for a "fee" of hundreds of dollars. According to one somewhat dated study, a convicted first offender's average cost for bail, a DUI defense attorney, treatment programs, and fines exceeds $5,000 assuming no accident. Auto Club News (Southern California), October-November 1989. That figure is much higher today. And he may well serve time in jail; many jurisdictions now impose jail sentences for first offenders. On his second conviction he will almost certainly spend time in custody. This is not time served by a hardened con but by a terrified citizen totally unfamiliar with the callous penal system.

Already the person charged with DUI has suffered more punishment than the majority of convicted felons do. But there is more: A convicted defendant will end up paying thousands of dollars over the next few years in increased auto insurance premiums. He is required by law to carry automobile insurance, but he is now a convicted drunk driver who falls into a high risk category; his premiums will be far higher than those of a bank robber or murderer. Further, the client may be suffering from alcoholism. In effect, he may be criminally prosecuted and punished for having what is now recognized to be a medical (and possibly genetic) condition.

Choosing a Plastic Surgeon for Facial Procedures

Choosing a licensed and qualified facial plastic surgeon is essential. Depending on the nature of your procedure, you will have to undergo invasive surgery. So it's important to choose a doctor that provides superior care. However, finding a great surgeon can be easier said than done. Learn the traits of a high-quality plastic surgeon, including background, board certifications, and other qualities.

What is Board Certification?

When choosing a facial doctor, remember that you should be aware of their history, education credentials, and certification standing. While board certified is a desirable quality in a facial plastic surgeon, it doesn't mean that they are actually qualified. There are several self-appointed boards of cosmetic surgery that aren't recognized by the American Board of Medical Specialties. For a board certification to really mean anything, the board should have tested the doctor in a variety of procedures. Plus, the doctor will have had to graduate from an accredited college. In America, all qualified surgeons will possess a certification from the American Board of Medical Specialties.

Learn to Recognize a Good Doctor

When searching for someone to perform the procedure, ensure you find one that is open about their educational training, credentials, safety records, outcomes, and experience. A great one should be:
- Professional and easy to speak with
- Passionate about their practice
- Have an eye for detail
- Concerned about your well-being and healing
- Have several before-and-after pictures

Questions to Ask Potential Doctors

In addition to spotting the qualities of a good option, patients should also ask plenty of questions. These questions can help you determine if your plastic surgeon is a good fit:
- What board certifications do you have?
- What is your educational training and background?
- Have you performed any internships?
- Do you believe in anesthesia?
- Are you affiliated with any hospitals?
- Will the surgery be performed in an accredited facility?
- Have you ever had your insurance coverage suspended, denied, or revoked due to malpractice?

In addition to their educational background, consider asking questions about the surgery; before, during, and after. These questions can help get you off to a good start:
- Is surgery the decision?
- How many procedures have you performed successfully?
- How many hours will the surgery take?
- Will anesthesia be used?
- What is the expected recovery time?
- Are there any risks with this procedure?
- How long will the results last?
- What is your policy on unsatisfactory results? Will you perform a second procedure free?

Consider keeping this list handy during your consultation. Often times patients will simply be too excited or scared during this important meeting and they will forget to ask the critical questions. Of course this list is not complete, but just a good starting point for you.

As you can see, choosing the right plastic surgeon is essential for optimal results. After all, they'll be performing surgery on your most precious asset, your face. If you've decided to take the plunge, take your time and do your research. This is one case where you don't want to wind up with buyer's remorse.

Why Choosing a Facial Surgeon is Important

Even though surgeons use the word 'practice' to describe their business, you don't want a surgeon practicing on your face. It's important to choose a surgeon that not only has experience, but has the right kind of experience for your cosmetic procedure.

Check qualifications

Many cosmetic surgeons advertise that they are 'board-certified'. You may be surprised to know there are 24 different boards that fall under the parent organization of the American Board of Medical Specialties. For facial cosmetic surgery, choose surgeons who are board certification with the American Academy of Facial Plastic and Reconstructive Surgery (AAFPRS).
Surgeons with this certification specialize in surgeries of the face, neck and head and follow a strict ethics code that will help you achieve the best results.

Denver's Dr. Robert G. Fante has been an active member of AAFPRS for years, and is also a National Medical Specialty Society member of the American Medical Association (AMA). He is also a member of the American Society of Ophthalmic Plastic and Reconstructive Surgery (ASOPRS) and is one of only 400 facial cosmetic surgeons to be so designated.

Sources for names

There are several good ways to find a qualified facial cosmetic surgeon. Referrals are often the best way. Simply searching through the yellow pages may not yield a surgeon who is skilled in your type of cosmetic surgery.

.: If you know of someone who has had cosmetic surgery, ask them for a referral. This is a good starting point, but keep in mind everyone is different so you are not guaranteed to achieve the same results.

.: Ask your family doctor or specialist to recommend a qualified surgeon. Do they have any feedback from other people they've referred to this surgeon?

.: Check out the American Academy of Facial Plastic and Reconstructive Surgery's information service at 1-703-299-9291

.: Your State Medical Board is an excellent source of qualified surgeon. They can provide information about training, background, malpractice claims, and license standing.

.: Your surgeon's training and experience is very important. They should have had 3-5 years of residency training after medical school, then 2-3 years of specialized plastic surgery training. Certification proves your surgeon has the training and expertise necessary to provide you with an excellent outcome.

Does your chosen surgeon have community hospital privileges? Although your cosmetic surgery maybe be performed in the surgeon's own facility, hospital privileges means your surgeon must stay on his toes to meet with the approval of other surgeons. It also gives your surgeon has access hospital care in the case of any complications.

Schedule consultations

When you consult with your surgeon, note his or her willingness to answer your questions fully. Is the surgeon in a big rush? Does the office and staff seem calm, friendly and well organized?
You'll also want to ask the right questions, such as:

.: How many times has the surgeon performed your particular procedure?

.: Can the surgeon provide phone numbers of people who had this procedure?

.: Ask to see before and after photos of successes and those that did not come out as planned.

.: Ask about post-surgery needs, such as rest and care.

Your cosmetic surgeon is also interviewing you to determine if you are a good candidate. The surgeon should ask you about your expectations and why you want this procedure done. He or she should also take the time to explain about recovery and provide post-operative instructions.

Move on until you're satisfied

If you have any doubts about this surgeon when the consult is over, move on to other surgeons. It is imperative that you have complete confidence in your surgeon's abilities. Successful facial plastic surgery can be greatly enhanced when the patient and surgeon have developed open, trusting lines of communication. Both realistic expectations on the part of the patient, and the highly skilled expertise of the physician should be evident before surgery even begins. The consultation is the time to determine if your desires and the surgeon's abilities are a good fit.

Keep in mind that your facial plastic surgeon devotes his training and practice to surgery of the head, neck and face. He is an expert in both cosmetic and reconstructive surgery and can answer all your questions and allay your fears. Your facial plastic surgeon is a doctor, an artist, a craftsman, perhaps even a psychiatrist! He or she will be happy to share with you the rewards and risks of surgery, and answer questions about the recovery process. When it is time for you to arrive for your surgery, you should feel absolutely confident in your doctor's skills and your decision to go forward with the surgery.

While there are many physicians focusing on other specialties, such as dermatologists, who can perform some types of cosmetic surgery, only a board-certified facial plastic surgeon has the intensive training, years of experience performing your particular procedure, and ongoing training specifically in plastic surgery of the head, neck and face to safely perform your facial cosmetic or reconstructive surgery and produce the stellar results you desire.

Compare Rates to Lower Your Health Insurance Price

It doesn't take very long to find people frustrated with their overall health insurance price. Every year premiums rise, which adds to many families' financial burden. Some families get to the point where they have to change medical insurance plans or find one they can afford.

One reason people become frustrated with their insurance plan is their costs are continuing to rise. Many time, this isn't something people can afford to happen. They either look for a cheaper plan or drop it altogether. The later won't be the wisest decision because you never know when tragedy could hit. This is why comparison websites are helpful because people are guaranteed to get the best rate.

The other thing that helps people is knowing how the money is split up after their bill is paid. Insurance companies split the health insurance price up three ways, which are administrative expenses, medical costs, and extra profits. The biggest expense for a company is the rising medical costs, as payment claims are growing. Malpractice insurance has also gotten out of control. The other area of expense is administrative expenses like the company's rent, salaries, and benefits. Lastly, a company puts money into a reserve to make sure they are compensated the difference between contributions and surplus.

Some people aren't interested in where the money goes, as the split doesn't lower their premium. In this instance, these individuals should look into getting a multi-policy discount. If you get insurance from the same place covering auto and home insurance, the discount will lower your health insurance price.

Affordable medical insurance is everyone's desire, but sometimes the quality of coverage will overrule price. This is why everyone should shop around for the best rates and compare quotes from companies. This will ensure quality health insurance for your family.

Birth Injury Attorneys

Has your baby suffered from any kind of injury during delivery? If so, you may be eligible to file a lawsuit and seek damages for the injuries sustained by your baby. If your baby has gone through complications in the process of his delivery, he could suffer some serious health problems. These problems are collectively called birth trauma or birth injuries.

About 27 out of 1,000 babies have been reported to have suffered from birth injuries. Injuries often caused by operative vaginal or abdominal deliveries are the following: oxygen deprivation, commonly caused by a compressed or twisted umbilical cord; mechanical trauma caused by the baby?s awkward position during birth; physical trauma caused as the baby passes through the mother?s birth canal; and mistakes or negligence on the part of the medical staff.

Malpractice cases filed against doctors are the following: caput succedaneum, a severe swelling of scalp tissue that happens during the baby?s travel through the birth canal; cephalohematoma, which happens a few hours after the birth, where there is bleeding underneath the cranial bone; temporary facial paralysis, injuries to facial nerves during labor; brachial palsy, excessive pressure applied on the baby?s head, neck or shoulders that can cause injury on the brachial plexus; fracture of the clavicle or the collar bone, the most common injury to a baby during childbirth; klumpke?s palsy, which causes paralysis to certain areas of the hands; brachial plexus palsy, where groups of nerves in the arms and hands are injured, causing the baby difficulty in flexing and rotating his arms; and cerebral palsy, the failure to control movement.

When a baby experiences a variety of injuries, you usually do not want to go through with an investigation or lawsuit. However, your lawyer can help you get substantial compensation for the birth injuries your baby suffered as well as coverage for your medical bills.

How to Determine the Best Legal Entity to Hold Your Real Estate

As a tax advisor, one of the most common questions I get from investors is "what type of legal entity should I hold my real estate in?" Unfortunately, the correct answer to this question is most likely "IT DEPENDS." For real estate investors, the best legal entity to hold title to your investment properties should accomplish the following 5 objectives:

1) Minimize taxes due to the IRS and State agencies and in turn result in a higher overall return on investment

2) Allow for maximum asset protection against potential lawsuits and creditors

3) Provide privacy to the owner(s) of the property

4) Allow the investors to achieve a wide range of flexibility and options regarding the management and control of the property, and

5) Minimize the complexity and cost of maintaining the legal entity(s).

You may have heard people tell you "Always use LLCs for real estate", and another person may say "Always hold your real estate in a Trust".

As a real estate (R.E.) investor, it can be both confusing and frustrating to receive such definitive, yet contradictory advice. As a result, a lot of investors are left to wonder - just which one is correct?? Well, the answer again is: IT DEPENDS! Unfortunately, in our complex tax code, there is no "easy way" to provide an answer. Also, there is no "one size fits all" strategy that works for all R.E. investors. An analogy I often make is: Giving out tax advice without first understanding everything about the taxpayer is the same as a doctor prescribing medication without first doing a diagnosis. In both the financial and medical field, this is known as malpractice. Every taxpayer is different and unique. As such, the BEST legal entity(s) to hold title to your R.E. investments will depend on your personal, business, investing, and overall tax situations.

Here are a few examples of things I analyze when working with investors to determine the ideal entity structure for their R.E. holdings:

1) What type of property will be purchased? (Commercial, multifamily, single family, office space, etc.)

2) What is the length of the expected holding period of the property? (Long-term hold, fix and flip, wholesale, etc.)

3) What is the projected monthly/annual income for the next several years? What are the types of income to be earned? (Rents, management fees, commissions, vending income, etc.)

4) What are the investor's exit strategies for the property? (Sale, lease option, seller financing, 1031 exchange, transfer to next generation, etc.), **TIP** - YOU SHOULD ALWAYS HAVE MORE THAN ONE!

And

5) Last but not least, what other types of income or investments is the investor involved in? (This includes a review outside of the R.E. and analyzes the taxpayer's tax situation as a whole.)

The answers to all of the questions above will assist your advisor in determining the optimal legal entity structure for your investment. It is true that an LLC can be a great entity for those investing in R.E.. But there are times when holding your investments in an LLC will result in significantly higher taxes vs. in a Corporation or a Trust. In order to identify the ideal entity structure for YOUR R.E. holdings, here are the two action steps to help you get started:

Step One: Spend some time and think about your answers to the 5 planning questions above.

Step Two: Seek out your qualified R.E. and asset protection attorney to help you develop the best entity structure for your R.E. holdings from a LEGAL perspective based on your answers above.

Step Three: Concurrent with Step Two, seek out your tax advisor to help you develop a strategy to determine the best entity structure for your R.E. holdings from a TAX perspective based on your answers above.

Step Four: Develop the optimum entity structure for your proposed R.E. investments using the guidance of both your legal and tax advisors. Get them to work together as a team to develop the best strategy and structure for your situation!

Most investors spend time and resources on research, due diligence, rehab, leasing, and property management to ensure the profitability of their investments. Make sure you take that extra step to determine the best legal entity to hold your R.E. and further increase your return with significant tax savings.

Copyright 2010 by Amanda Y. Han, CPA

Helping To Care For Your Elderly Parents (Part 2)

Back in December I wrote about visiting my parents in Florida over the last five years to spend quality time. This past fall and winter, I spent two months there making sure all their emergency needs were met, etc. Now I'm back in Florida catching a few minutes here and there to write this article. As you may already know, I write articles every month and, even though there are many excuses not to write them due to my busy schedule, I am appreciative of this challenge because I have found writing down my thoughts (or writing helpful articles) is very therapeutic and helps me to focus on the emotional impact and to think of ways to express those emotions.

My dad is suffering from many ailments right now and has needed constant care as of three weeks ago. He's near 90 years old and has his sharp mind intact, but his body is failing him, and he has trouble communicating due to being almost completely deaf. My mother called me two weeks ago for help and off I went to do so. I nearly went down before she asked me to, but decided to wait for her call for help because I knew she would be ready to let go of this overwhelming event eventually. I can now help my mother because she is receptive and is now very grateful to have me around.

Here are some things I learned as a result of my dad being in the hospital and the rehab center:

  • My parents do not know what kinds of questions to ask and frankly neither did I until I asked for the help I needed.
  • I asked my sister-in-law and my brother to come down to help all of us as they are going through the same issues with her parents and therefore know a lot about how to help (and were able to get away due to their support system back home).
  • Doctors are not easily accessible to the patient as they rely mostly on the nursing staff to do all the work based on what they recommend for meds, level of care, etc. (at least here at this hospital).
  • Most folks (especially my parents) trust and listen (without questioning) what is recommended by the doctors and there are serious consequences that can happen as a result.
  • My sister-in-law has been coaching me on what kinds of questions to ask, how to gain the knowledge of what's going on by asking for the pertinent records from all who has had a part (hospital, medical offices, rehab center, etc.).
  • By gathering the records we were able to see where one doctor gave the wrong medication, causing my dad to have another emergency transport to the ER and we discovered what went wrong simply by reading the notes that were written by all concerned.
  • Finally as of early April, my dad has been improving in rehab, but he has been delayed by two weeks from the meds he was not supposed to take while in the hospital.
  • Every day that goes by now, my dad looks stronger and closer to coming home with my mom, but he may have passed away during this error.
  • We as care givers for our loved ones must advocate for our parents or loved ones in order to keep the medical professionals on the right track. We cannot just take what they prescribe or recommend as treatment, especially if doesn't sound right or you get a feeling that something is wrong or forgotten.
  • Using inquiry and keeping an assertive tone of voice works well and letting people know that you are advocating for your loved one is the best solution I have come up with so far...getting angry or showing aggressive emotions gets you dismissed as a viable advocate, which I've seen happen to my mom because that's her natural reaction.

The biggest lesson I learned so far is that although medical professionals are supposed to know what to do, that doesn't mean they do. They are human beings and can make some serious mistakes if they are over-whelmed, over-worked, and over-obsessed with getting all their patients looked after, rather than take a few minutes to make sure everything is being done for their patients.

I hope this article will help you to understand how important it is to research (if you can) the professionals you are dealing with (they usually have websites that reveal how good they are and if they've had any sort of malpractice, and I especially like the ratings compared to other doctors or facilities, which is good to look for), to research the facility that your loved one is going to, to have serious discussions with each health provider to ensure all is being done, and most of all to ask about each medication these professionals are giving them.

Fear of the Dentist - Love in the Dental Office

The following article, written in 2000, is about my experiences in the Indian Public Health Service 37 years ago. Today, in light of the turmoil and resistance surrounding the government's long overdue bid to overhaul the health care delivery system of the United States, this article is timely even today. Even though there have been some positive changes in federal and state funded programs for this and other long-neglected populations that have limited access, I believe that inequality in the delivery of proper dental care still exists.

I have a confession to make. When I was in dental school in the early 1970's, I had very lofty dreams. The Vietnam War was winding down, and it was a time of peace and love and caring for your fellow man. As a senior, I researched many possibilities that would allow me to earn a living as a dentist while serving humankind. I felt that I could fulfill those dreams by either working in a dental clinic or operating a mobile dental van in the low-income inner city or rural areas where good dentistry was hard to find. Then I learned about a position that could be the answer to all of my conditions.

When I graduated from Georgetown Dental School in 1973, I chose to enter the Indian Public Health Service. I thought that it was an ideal program in which I could further my education and begin a lifetime of service to my community. I was sent to The Fort Berthhold Indian Reservation 5 miles from Newtown, North Dakota. My family and I were given a three-bedroom house, which was on a compound with ten other homes and a clinic. One physician and several other health professionals including myself, social workers and nurses lived in the other houses. It was wonderful. After all, work was a short walking distance, and we had a full view of the Missouri River from our window and wild horses galloping in the fields among the beautiful Dakota buttes. I was very excited about living in such a beautiful and spiritual land with my family and happy with the prospect of helping people who wouldn't otherwise receive dental care. More important was the knowledge that I did not have to rely on charging fees for my skill or creating a high volume practice in order to survive. It wasn't long before my bubble burst and the bureaucracy and prejudice of the system became apparent.

The basics of dental treatment, including examinations, cleanings, fillings and extractions, were offered. Other more costly services which may have been necessary to save teeth such as endodontics (root canal therapy), crown and bridge, partial or full dentures and periodontal (gum and bone) treatment required pre-approval similar to pre-authorizations needed for insurance companies. Children were usually approved for the basics, but treatment for adults, particularly those who needed a combination of root canal treatment with crown and bridge, were rarely approved.

Because of the small population of the reservation (4000) and the limited budget of the program, some physicians and dentists, like myself, were recruited right out of dental school and were placed in a very difficult situation, whereby they found themselves as the sole providers of their specialty of health care in the facility. Inexperienced dentists did not have the benefit of further hands-on education working with others in their profession who possessed more experience, for consultations, or for doing more difficult procedures. Obviously, my skills were limited and my patients were the unfortunate beneficiaries of my learning curve. For the first time, I understood the true meaning of the term, " to practice dentistry."

Based on the economics of the system, Indian Public Health often recommended extraction (removal) of teeth and partial or full dentures. The same is true in similar instances where low income patients receiving government sponsored Medicaid benefits or patients with private or employee benefits dental insurance could be refused necessary tooth-saving treatment simply because it would not be cost beneficial to save the teeth. Even though many patients are helped by these programs and may not otherwise be able to afford even basic dental treatment, recommendations based on cost-effectiveness and profit margin is wrong. It often resulted in the removal of marginally damaged teeth. This, along with the unfortunate, but inevitable, mistakes of a rookie dentist, created a cycle of mistrust between this dentist and his patients.

The creation of trust and love between the dentist and the patient is one of the most important elements of the successful relationship within the dental environment. I laugh when I think of how naïve I was. I tried to work around the system by applying for tooth-saving benefits for adults. They were rejected. I wrote articles on dental health and nutrition for the clinic news bulletin. It fell on deaf ears. I tried to teach my patients home care and gave them nutritional advice. Not many cared. I created a children's dental health week poster contest and gave away solicited prizes such as toothbrushes and floss to the winners. Very few children entered. I went on a local TV show called "Bowling for Dollars" and several radio shows in order to spread the message. It made no impact. It became more frustrating for me as time went by. I realized that years of abuse and neglect by the system wasn't going to be eliminated by a Jewish white boy from New York. This lack of "love and trust" often showed as very fearful patients, or an excessive number of broken appointments, or great difficulty filling the appointment book. But, the bottom line was that the missing piece was "love and trust." They didn't trust me. They didn't love me.

Even though we dentists are trained to save teeth, our efforts are very often curtailed by the patient's insurance or their participation in a government-sponsored program such as Medicaid. Either a yearly benefit maximum or limitations within the individual plan often determined the actual treatment plan. The obvious answer, still unaccomplished to this day, is national dental health insurance in which all of our citizens have access to the best dentistry available. As with the continuing debate over national medical health insurance, it is important that the end result be that quality of care does not suffer or be limited by affordability. Until that happens, where do dentists, especially the private practitioners who may accept some insurances or government subsidies as payment in full, and who must make a living from the profits of his or her practice, fit into the equation?

Dental fees are determined by many factors. Up to two-thirds of dental income is determined by the overhead expenses needed to run the office. This includes telephone, heat, electricity, dental materials, instruments, books, magazines, furniture, equipment, laboratory, payroll, continuing education courses, accounting, liability and health and malpractice insurances. It made no difference to my lab or to my dental supplier whether I was getting a full fee or accepting a lower fee. All of these costs must be controlled in order for the business of dentistry to survive.

In dental school, I was taught that if I wanted to earn a good living from the dental profession, I had to work quickly and efficiently and render as much treatment as possible in a visit. For example, doing four fillings in an hour is more cost effective than doing two forty-five minute visits of two fillings each. Sometimes that meant pushing the envelope and doing too much. There is a contradiction that exists when health professionals depend upon either a large volume of patients or higher fees for their livelihood. One visit endodontics (root canal therapy), multi-quadrant (more than one area) crown and bridge preparation or gum and bone surgery is not only traumatic during the procedure, but can result in more post-operative complications and discomfort for the patient. Too often, large volume means poor quality. Unfortunately, high fees don't always extrapolate into better quality and service. Very often the patient feels " ripped off" by the high fee or poor quality and no longer trusts the dentist specifically or the profession as a whole.

Sadly, even today, in The United States of America, there are few places for an individual with little means to receive quality care. Dental Schools offer their students' services at a lower cost and teaching hospitals do have interns and residents that may provide quality care at a lower cost. Medicaid can provide children from low-income families with basic dental needs. Adults, with Medicaid, however, can fall through the cracks and receive even less necessary dental care. Like a carpenter or a plumber who possesses great skills, a dentist should be properly compensated. Dentistry is providing treatment to relieve pain or allow a person to smile or chew their food, which are basic human needs. It is a sham that in the richest country on this earth, the system allows the treatment of choice to be determined by ones financial status.

The modern concept that "time is money" can encourage dentists to schedule long appointments. The reasons sound plausible. Once the patient is anesthetized, it is better to do as much as you can. This can result in fewer visits, which is something patients do appreciate. However, the physical and psychological stress it can cause for the patient should be taken into account. Due the pressure of a busy schedule, there is little time for explanation of treatment. This can leave the patient at a disadvantage when it comes to making intelligent decisions on their dental care. The stress on the TMJ, the musculature, the necessity of using more anesthesia and the difficulty of getting a correct bite when more than one area is numb are just some reasons not to do too much treatment in one visit.

Look around the dental office the next time you have an appointment. What's missing? Uncomfortable business chairs or couches are in the waiting room. The appropriate three-month-old Time or Newsweek magazines are on a table or in a rack on the wall. Some newspaper or magazine articles about saving teeth are attached to a bulletin board with pushpins. Some hallmark thank-you cards or hand-made thank you gifts are prominently displayed. You are led into the "operatory" and seated in a large vinyl chair. In front of you are packages of sterile instruments. Boring muzak is pumped into the room. The dentist wearing a mask and latex gloves enters. There are a few minutes of small talk. They explain the treatment scheduled in a foreign language and proceeds. What is missing? In my opinion, "love and trust" is missing.

Most dentists, though in the profession for obvious financial rewards do have a deeper reason for choosing their field. They truly want to help and heal people. Yet, they are often perceived as being aloof, insensitive and impatient. Unfortunately, all of us some of the time or some of us all of the time, may treat patients like a mouth with teeth and a wallet instead of a whole person who needs to be respected and loved. Unfortunately, this can increase a patient's fear and distrust and dislike of dentists, which can create an environment in which many patients will seek only emergency treatment and give empty promises of returning for regular care. Patients may use time, money or fear as the excuse. But it is a lack of love and trust that keeps them away. In my opinion, it would better serve the dental profession and their patients if "love and trust" replaced the concept of "time is money."

Benchmarking Mistakes: The Poisonous 'Apples-to-Apples'

Top executives and managers in other industries know it is not only acceptable, but necessary to benchmark with other industries to obtain process improvements. For example, a major hotel chain desires to improve guest services. This chain not only has other hotel chains to examine for comparisons, but also can and should look at theme parks or retail corporations. Instead of comparing hotels to hotels, the hotel's guest service policies are compared with the guest service policies of theme parks, restaurants, and others. Valuable lessons are gleaned from this benchmarking process. While the industries may function very differently, their fundamental guest service processes are common and provide learning opportunities for all parties. Similarly, retailers have made major improvements in inventory acquisition, warehousing, distribution and tracking. Hospitals haven't typically studied these processes, citing the "uniqueness" of the healthcare and hospital operations as the reason. As a result, many hospitals continue to practice outdated and non-integrated supply transactions, as opposed to making supply management a priority. Many,processes are similar enough across industries for healthcare managers to learn and adapt process improvements from others.

Even though healthcare downplays cross-industry benchmarking because of the uniqueness of healthcare, they also believe that healthcare-to-healthcare benchmarks are valid only with those organizations exactly alike in structure, size, scope, culture, affiliations, physical layout, etc., etc. For example, an outpatient clinic wants to improve its cardiac rehabilitation services but only wants to be benchmarked against clinics offering cardiac rehabilitation services that use Saturdays to deal with overflow, as they do. Healthcare systems also want to benchmark with other systems as opposed to stand-alone facilities. While it is important to determine the way others handle issues, using practice and environmental factors to eliminate potential benchmarking partners reduces the value and learning opportunities for the organizations doing the benchmarking.

Does a Twin Exist?

It is virtually impossible for a hospital to find an identical apple. There are approximately 5,800 hospitals in the United States. Focusing on, for example, only 500-bed, non-profits, can narrow this even further. Simply by adding a few more criteria ... academic teaching hospital vs. not; location; managed care penetration; number of buildings; outpatient volumes; etc., simple mathematics shows that a hospital can eliminate all potential hospitals as benchmarking partners.

Requiring multiple and non-relevant criteria narrows the list of acceptable benchmarking partners. Hospitals are complex operations. There are an infinite number of differences among hospitals, and there isn't one exactly like another. Eric Franz, Manager of Financial Services at OSF Saint Francis Medical Center in Peoria, Illinois, agrees. "There is no twin hospital out there," says Franz. "It just doesn't exist. We are unique and we want to be unique." It makes no sense, then, for hospitals to proclaim their uniqueness while at the same time developing lists of criteria "acceptable" benchmarking partners must meet. For hospitals to use benchmarking effectively, they must accept the fact that their twin doesn't exist. Then, they can use their resources to learn instead of wasting resources benchmarking their level of uniqueness. Apples-to-Apples

Misconstrued - The Benchmarking Poison

Consider this example of how the value of a benchmark decreases as the hospital attempts to narrowly define acceptable benchmarking partners:
Apples-to-Apples: Benchmark the cost of medical transcription functions at hospitals. McIntoshes-to-McIntoshes: Benchmark the cost of medical transcription functions at hospitals with a centralized transcription department that out sources at least 60 percent of their transcriptions.

New England McIntoshes-to-New England McIntoshes: Benchmark the cost of medical transcription functions at a system-wide set of hospitals with a centralized transcription department that out sources at least 60 percent of their transcription, writing at least 40 different types of reports and an average TAT for History & Physicals of 24 hours. There should be at least three but no more than six hospitals in the system, located at least 10 miles apart, but within a radius of 124 miles.

Similar benchmarking "requirements" surface in many situations.

System-based hospitals only want to be compared to other systems, "preferably one with a similar structure and size". Why? How will they know if their system structure is a competitive advantage if they don't compare themselves to different structures or stand-alone hospitals? These highly selective criteria result in a less useful benchmark and less value for the facility that does the benchmarking. Attempting to "benchmark with a similar transcription department" in the above example obscures the impact in-house vs. outsource transcription; centralized vs. decentralized transcription; stand-alone vs. corporate systems has on turn-around time, cost, accuracy, etc., ... the exact opposite result expected of a good benchmark.

Mirror, Mirror on the Wall

What do healthcare organizations learn from the search for and ultimately from their "twin" hospital? The search process teaches them that if they add enough criteria, they can reduce their learning pool and maintain the status quo because "there's no one out there like me!". If they happen to find a few "twin hospitals" to compare with, they'll find that their solutions are similar ... again reducing the learning opportunities (what can you learn from someone who's just like you?). Getting an organization to recognize that the perceived "differences" likely point to improvement opportunities is difficult. How much more comforting is it to believe that "my costs could be lower except I have these corporate allocations, and a non-integrated information system, and a high managed care penetration", than to come to grips with the fact that your costs are higher because of your choices (stand alone vs. corporate) and practices (allowing departments to purchase information systems that don't interface).

It's ridiculous to let truly minor differences eliminate cross-organization learning opportunities. According to Franz, there are enough similarities among hospitals to determine where improvements can be made. "The comparison hospitals we used for benchmarking were 80 to 85 percent similar, which is enough to get a good start on this process," says Franz.

In addition to searching for twins, hospitals similarly search for best practices ... thought by many managers to be the holy grail of process improvement. In the transcription example above, you can almost hear the manager thinking "... if I can find the best practice with respect to transcription, my problems will be solved". The problem here is, similar to the twin hospital, there's not a single "best practice" for most healthcare operations. A recent survey of hospitals found that many hospitals that had previously outsourced transcription were now bringing the function in-house; while in-house operations were looking for transcription vendors.

Why?

Changes in fit with their culture, their work force, and their environment. The "make" vs. "buy" decision is very dependent on the individual organization. So, while buying transcription services is a best practice for Hospital A, it might be a miserable failure for Hospital B. That is the job of the managers ... to sort through their options, coalesce good ideas from multiple sources and come up with the most effective practice for their organization. One hospital cannot simply implement another hospital's method without adaptation since the cultures, layouts and environments of each are different. Remember ... hospitals claim to be unique and therefore they can't be compared in a benchmark. Why then, would they willingly presume that someone outside their organization knows what the best practice is for them? Instead, a hospital must take bits and pieces from others' most effective practices and formulate the most effective practice for their organization.

Who's the Fairest of Them All?

The hospitals and healthcare systems that will be the "fairest in the land" are those who can avoid the common benchmarking mistakes. They will figure out WHAT they want to benchmark. If they want to improve costs, they will benchmark costs and not poison the "apples-to-apples" comparisons with non-relevant criteria such as payer mix, physical layouts, corporate structure, etc., on the way to determining their cost opportunities. The hospitals who use benchmarking as an effective tool will not waste their precious labor resources trying to find a twin hospital because they realize that reduces learning opportunities and encourages managers to think that the status quo is acceptable. Winnowing the list of acceptable learning partners narrows the value and usefulness of the benchmarking results.

The healthcare organizations that will benefit from benchmarking are the ones who realize that the relevant points of difference are driven by their own practices, structures and choices; and, they will make changes accordingly.

Hospitals who gather many effective practices and blend them into a strategy that meets the needs of their organization will benefit. These hospitals know that slavishly mimicking a process without consideration of their own culture, values and needs is managerial malpractice. Rather than comparing New England McIntoshes-to-New England McIntoshes, organizations who understand that the best use of benchmarking is to identify gaps in their performance, will be the ones who will learn from many others in the effort to find the most appropriate apples to improve their own unique processes and performance.

IBC Formation: Are Your Assets Protected?

A ruling recently passed by the Supreme Court has given local governments the power to seize private property to generate tax revenue. This could feasibly enable cities to order the removal of homes to make way for shopping centers or other private development.

The 5-4 decision means that home owners will have more limited rights. Thomas Merrill, a Columbia law professor and a specialist in property rights stated, "The message of the case to cities is yes, you can use eminent domain, but you better be careful and conduct hearings".

Does this concern you? Only eight states - Arkansas, Kentucky, Florida, Illinois, Maine, Montana, Washington, and South Carolina - forbid the use of eminent domain for economic development unless it is to eliminate blight.

In a scathing dissent, Justice Sandra Day O'Connor wrote, "The specter of condemnation hangs over all property. Nothing is to prevent the state from replacing any Motel 6 with a Ritz-Carlton, and home with a shopping mall, or any farm with a factory."

The bottom line - protect what you own. Within the last five years there has been an alarming increase in citizen control laws to the extent that your personal right to keep banking activities private and confidential are now being seriously infringed upon. Indeed, creditors and government agencies are well armed with an arsenal of legal maneuvers to strip you of your assets. Bank accounts in your name can be frozen, "Notices of liens" can be placed on your properties, your income can be garnered and even a safety deposit box can be seized with a "writ".

However, with careful planning and specialized information, your assets can be protected using an IBC to shield your assets. IBCs can protect you from product liability, malpractice suits if you are in the medical field, creditors, and even divorce proceedings. IBCs can also be used to hold real estate, valuable collections, precious metals, and shares of any offshore company of your choice.

More information regarding IBC formation can be found on our website at http://www.confidentialbanking.com/IBC_info.html

Home Based Business Owners - Is it Time to Quit?

When I started in the home business industry, I was a young mother with a single objective: stay home with my baby boy. I was appalled at the idea of someone else raising my child while I slaved in a cubicle. It drove me crazy but I did not have a choice: too many bills and too much ego.

Richard was 3 months old when I started in my new career. He will turn 3 in a couple of months and yes, I still have a job and he is still in daycare. I know what you must be thinking: Isn't this a waste of time and money, this quest for financial independence?

I know... I've heard it a dozen times and said it to myself a thousand. But wait! There's an actual logic to my madness.

At the peak of my despair, I decided to do some research to see if I've just gone made or just grown too impatient.

My dad is an astute business man in a country with very limited resources: barely any phone service, limited postal service, the works. He started with a few dollars in his pockets, knowledge between his ears and passion in his heart. Over the years, he made a name and a small little fortune for himself by working hard and smart.

I was really frustrated that day and I started the conversation with one objective: get an answer that would justify my giving up what seemed a hopeless and doomed business venture.
Of everything we talked about that day, this one thing blew me away: I asked him how long it took for his business to take off and turn a profit. I was shocked by his answer: 5 years!

It took 5 years of him working a full time job, spending his free time on his business and funding it out of his own pockets before seeing a profit. Unlike a home business, a traditional business requires quite a bit of overhead: retail space (i.e. rent), employees (i.e. salaries), inventory (we're not talking about the measly $100 auto-ship) and so much more. I later found out that studies revealed 5 years to be the average incubation period for most businesses. So is it unreasonable to work 3 years in a home business and not see a profit? Actually my home business started to sound like a pretty good deal.

Now, I don't want to lead you down the wrong track, thinking that on the 5 year mark your business will magically take off. During those incubation years, you must work on yourself as much as you work on your business. In other words, you need to develop your skills. Your income will follow your personal development.

To most, this is heresy: "What?! I have to spend more money? Isn't my company supposed to provide me with everything? I paid over $500 for this distributor kit!"

The misconception in network marketing (fueled by mainstream advertising) is that it's quick and easy money. No skills required: "a dog with a note in his mouth can do it." That probably explains why we have such a turnover in this industry: we are selling an expensive lottery ticket to people, not a business. So after 3 months, they are still not better off then when they started, so they quit!

It is your responsibility as a leader to equip your people for success, most people are not looking for a handout, they can handle the truth and the truth is you need to develop skills to succeed in this business and it's going to take time.

My brother is a medical student. He spent 9 years studying, sweating over books and cold cadavers. 9 years with no pay! By the time he is completely done, it will be about 12 years or so.

But what is the payoff? A six-figure salary. Has he earned it? You bet! Was it worth it? I hope so.

Now, let me give you some insights about the medical profession. Did you know that most doctors graduate with over $200,000 in student loans? When they start working, they must pay for malpractice insurance out of their own pockets and depending on their specialty, that's another $50,000 or more per year. Do they have a practice? Slap on some additional costs: office rent and equipment, staff salary and benefits, so on and so forth. Doctors make a pretty bundle and hopefully they find their career rewarding. At what cost? 12 years and a whole lot of student loans!

Friends, as it is, network marketing already sounds too good to be true. There is no need to inflate the income claims.

What other business or career can you start with a few thousands dollars or less, work it on a part-time schedule, incur little to no overhead and have a reasonable expectation of generating a six-figure income within 2 to 5 years?

What other business or opportunity on this planet? I haven't found one yet.

I don't know about you, all I know is that I'm sticking to my home business until I make it. Frankly, what else better do I have going on?

Basic Tips to Purchase Structured Settlements

Structured settlements arise from the settlement of lawsuits. It is usually where companies settle a case out of court and a lump sum is paid to the defendant as a result of defective medication or products, injury, accident, malpractice in the medical profession to name a few. These settlements can work out to be a large sum and in most cases the monies are paid via a fixed sum on a timely basis. The basis can be monthly, semi-annual or yearly or whatever is decided upon by the two parties involved. Another reason for these structured settlements is because in many cases, the individual or parties involved are unable to work or maintain the expected standard of income that would have been enjoyed prior. These amounts when paid over a period of time will equate to the affected individual receiving more money, since interest accumulates on the unpaid portion at any given time.

There are companies that purchase settlements from individuals. This benefits the settlement owner if a lump sum of money is what is needed at that point in time. It may be required for a meaningful purchase such as real estate and education; however it is always important to weigh very carefully the benefits derived from the lump sum payment and the long term installments received on a timely basis.

In order to purchase or invest in these settlements, the transaction has to be profitable or lucrative to the purchaser. There is usually a fee to be charged, which will be calculated as a percentage of the settlement. The long term investment and therefore the long term interest to be derived from the purchase is another benefit derived. In many cases, dependent on the state in which the settlement resides, approval by the court is required to purchase structured settlements. This is to determine that any purchase of structured settlements is done in good faith and that the settlement holder is not taken advantage of in any way by the purchaser. It also serves to ensure that the settlement holder is in fact making a correct decision and not selling blindly without thinking of the future.

When attempts are made to purchase these settlements the settlement holder can agree to sell part of the structured settlement. In this way the holder not only benefits from receiving a lump sum from the sale, but continues to receive some of the pre-determined payments on a timely basis.

The purchase of structured settlements requires a lot of thought between the both parties involved. The purchaser does not want to enter into this transaction if the company paying the structured settlement is not sound or profitable. The seller does not want to venture into a frivolous sale which cannot benefit in the long term and compensate for the loss of the structured payments. These are just some of the concerns that need to be addressed when discussions are taking place to purchase structured settlements.

Professional Liability Insurance

So you just graduated as a doctor, nurse, therapist, or pharmacist. Congratulations, you finally made it and now it is time to step into the real world and make a living while helping others. Plus you have to pay back all those student loans. However, your hard work has been rewarded with a very well paying career, but you must make sure you purchase professional liability insurance before you start healing the sick and curing diseases.

If you don't have liability insurance you could end up paying out thousand upon thousand of dollars if one of your patience brings a claim against you. Why take the chance in a sue happy society that we have created and with all the student loans you still have to pay back? Purchase your insurance and make sure you are protected.

Professional liability is not just for the hospitals and doctors anymore. Anybody that is employed in the medical field should have insurance to protect them.

There are different policies that you can look into purchasing. Most of the policies cover allegations of malpractice and you can get professional liability insurance to protect you or your medical business if you decide to go into business for yourself. The bottom like is that you need liability insurance before you ever even pick up a medical instrument.

Depending on what your specialty is you might need a specific type of professional liability insurance. Each specialty has different risks and different types of coverage. You can choose the amount of coverage you want along with the different limits you want on your coverage. There is a type of professional insurance for every type of worker in the medical field.

You should start by calling your state's insurance bureau and asking for information on professional liability insurance for medical personnel and business. The will be able to give you the steps that you will take to purchase your insurance and can give you the names and phone numbers of companies that provide professional liability insurance.

Achieving Organic Search Engine Ranking

Everyone nowadays is talking about search engine optimization, better known by its acronym SEO. Internet marketers all know that they need SEO, but the majority don't understand how to go about implementing it effectively. After all, SEO is similar to surgery, only in this sense, your website is the patient.

As a patient, you wouldn't want just anyone operating on you now would you? Of course not. Along the same lines, you wouldn't want some guy who's pretty sure he knows what he's doing operating on you either. You want a professional with education and experience, someone who has done this before, knows the in's and out's, and hasn't been sued for malpractice.

Still, I'm shocked at the number of SEO companies who claim to know what they're doing when they haven't got even a basic idea. I look at their websites thinking, "Whoa, gear down big shifter!"

So by now, you're probably asking yourself, "How exactly do I go about optimizing my website? This article will reveal the basic methods that search engine optimization is built upon.

When Fusionbox is hired to strengthen a website's search engine ranking, we use methods designed to boost organic positioning in the search engine results pages. Instead of paying someone to link to your site, or purchasing ad space on another website, we utilize techniques that are time-tested and results driven.

By now, it's no secret that search engine results rely on three key areas: code, content, and links. At Fusionbox, we've defined a search engine optimization (SEO) strategy that puts your users at the forefront of design and implementation. How you ask? Read on.

USER FOCUS

At Fusionbox, our approach to SEO is scientific and results driven. Unlike many companies claiming to offer effective SEO strategies, our solutions are always designed with your users in mind. Our process emphasizes research and refinement. By delving into your users' motivations and needs before any optimization takes place, we gain a complete knowledge of what drives users to your site and what motivates them to convert. This understanding is a prerequisite for any successful SEO campaign and allows us to translate user needs into a complete solution that drives targeted traffic to your site. Like a medical operation, the ailments need to be defined before any incisions are made. SEO is no different; any campaign needs to be built upon a foundation of research and understanding.

CAMPAIGN DEFINITION and KEYWORD DISCOVERY

Our approach to search engine optimization is highly collaborative. We create a web-based strategic framework and identify your unique KPIs (Key Performance Indicators) in order to translate your business needs into viable SEO solutions.

We then perform an SEO site wide diagnostic to identify the strengths and weaknesses of your site from an SEO standpoint. This phase is based upon research, research, research. The first step is to identify your target audience and users, then isolate the primary keywords they'll use to search for you. It's critical to perform competitive analysis in order to ensure that the keywords your site contains align with your site content.

ON PAGE OPTIMIZATION

Having chosen targeted keywords that define your audience, we begin the on page optimization process. This includes modifications to your website's code to make it more visible to search engines. We then generate, refine, and develop your content to ensure that it's keyword focused. This includes your Title tags, which display the title of your page in the bar above the menus and address bar of your browser. Using keywords pertinent to your website inside the title tag, like Denver Web Design or Web Development can increase your organic page ranking. We also rewrite your existing content, incorporating a keyword focus, while expanding your meta data (keywords and description tags) to ensure your site content aligns with your overall theme.

The reason we do this is that search engine spiders "crawl" websites, indexing page content and comparing it to the overall theme of the site. The strength of this contextual relationship is part of how search engine results are determined.

OFF PAGE OPTIMIZATION

The quality of your content and code aren't the only aspects of your site that affect your ranking. The other is the evaluation of incoming links (number and quality), which plays a huge part in determining a page's search engine rank. At Fusionbox, we begin a targeted link acquisition program to build a network of relevant incoming links. While not necessarily a traditional aspect of SEO, this phase also includes social media marketing designed to increase your website's visibility among your audience segment. Read our blog to see how social media marketing can boost your SEO efforts and online presence.

The way we build our sites always results in higher search engine rankings.

We've hit the first page of Google for organic search results under "Denver Web Design" and "Denver Web Development" in just a couple of months. Previously, we did not even show up in the first thousand results.

Fusionbox has SEO down to a science; we builds sites to be found, using a process that we know works.

As you've no doubt seen, search engine optimization (SEO) is a tricky business. With so many companies out there, how are you supposed to choose the best one? Like finding the best doctor, an expert in the field, SEO is no different. Anyone can claim to know what they're doing, but we let our results speak for themselves.

What is Employers Liability Insurance?

Employer's liability insurance comes in three different types. There is general liability, property insurance and worker's compensation insurance.

General Liability

If you have a policy for general comprehensive liability insurance, it covers you against anyone physically injury themselves or causing damage to property while on your business site.

This type of coverage is often purchased in company with property insurance (see below) for a more complete protection against any type of accident at the place where you usually operate your business or carry out business functions.

Professional Liability

For some business such as retail or food services, comprehensive liability coverage is likely enough. However, professional liability coverage is vital for many, including engineers, consultants, medical professionals and accountants.

Professional liability coverage protects a professional against claims of negligence or incompetence.

Sometimes this type of insurances is called 'errors and omissions' coverage, since it protects a businessperson in the case of a mistake or incompetence in carrying out his or her professional duties.

This type of coverage is vital for a professional. Claims for negligence or other omissions can be much larger than general liability claims, as evidenced by medial malpractice suits.

Property Insurance

Just as a homeowner must have basic property insurance, so too must a business. This kind of coverage is usually very straightforward.

With property insurance, your business is protected against theft or accident or any other loss of your business property. This coverage is in effect even if the equipment is not at your place of business when it is lost, damaged, or stolen.

Again, property insurance is similar to homeowners in that it covers in the case of fire or other disaster. You need to read your policy carefully to determine if it covers any flooding. That type of disaster is often excluded from coverage, as is water damage from sewer backup. Know your policy and add a rider if you think it is important to do so.

Usually property insurance is packaged with general liability insurance in a single package at a basic rate.

Worker's Compensation Insurance

Worker's compensation insurance is an employer's liability insurance that provides coverage for medical or disability claims by employees.

If an employee has an accident or a job related illness, they will file a claim under worker's compensation.

Each state mandates that businesses with even one employee provide this coverage, and most have pools to help small businesses cope with the expense. It can be expensive to own a policy, particularly if a former employee or employee has a claim.

The amount of a company's premium is based on a formula calculation. The formula takes into account the services offered by your company and the payroll each pay period.

Requirements vary for each state regarding how much you need to pay into the fund. Make the assumption that you will need to pay for each employee in your business, even though there are times that you as the owner and members of your family are exempted from workers comp insurance.

Depending on your state, you may be able to shop around for the best rates and service.

Physical Therapy And Reimbursement - Where Are We Heading?

The professions of Physical Therapy and Rehabilitation have always been professions of healing, caring and educating. In the past 10 years, we have had to adapt and advance our professional therapeutic skills to include a dual specialty of therapist and reimbursement coordinator and manager. We enter the profession of therapeutic rehabilitation to heal our clients and provide education. We are now experiencing an ever-increasing demand on our time to complete extensive documentation required by multiple insurance companies.

The amount of reimbursement received for Physical Therapy services has remained largely flat over the past several years. In the same amount of time, the amount of required documentation has exponentially increased in volume as well as in complexity. The increase in documentation requirements, with a relatively flat level of reimbursement, does not keep pace with inflation. This effectively lowers the cost of reimbursement even further. These factors combine to produce lower levels of professional productivity due to extensive documentation time, and increased cost for additional office staff to support claims processing. The end result is working harder for less profit.

The National APTA Medicare Fee Schedule Calculator provides average reimbursements for CPT codes from 2000 to present. For a PT evaluation (97001) in upstate New York reimbursement rates have ranged from a low of $60.79 in 2000 to a high of $73.19 in 2005 and have continued to fall since that time. With reimbursement rates decreasing, paperwork increasing and increasing costs of malpractice, unemployment, disability, and workers compensation insurance for private practices, where do we go to improve the efficiency of our practices and get back to what we were trained to do? Treat patients!

Many organizations and data management companies have designed software programs for the end user offering electronic medical records and scheduling. Others offer evaluation forms and Billing/Claims/Account management systems. What becomes evident while researching these software systems is two things:

a. Software packages are aimed at improving the workflow within an office or office system that must then be managed by the provider. The full responsibility of the success of the system is placed back on the Physical Therapy Practice owner and/or the office staff, which must be hired to manage, support and facilitate the system.

b. Each software system is only as up to date as the date it was published or downloaded. With insurance regulations changing on a regular basis, the practice owner must again manage processes to update EOB's, CCI edits and new memorandums released by multiple insurance companies to assure complete and timely payments.

An internet based system with real time integrated billing management, claims processing, automated coding and reimbursement regulations is a necessary tool in getting the therapist back in the clinic and getting paid in a timely, efficient and effective manner. This process must be a shared, long-term relationship allowing the therapist to do what we are trained to do; treat patients and let the practice management solution do what it is designed to do:

o process claims faster than the national average

o provide quick access to AR and claims processing and management

o facilitate documentation to assure clean claims processing

o reduce the risk of audits with streamlined documentation

As Physical Therapists we must seek practice management systems which provide expert web based billing, coding and reimbursement solutions with an electronic medical record and scheduling capabilities. As Practice owners this will allow us to focus our efforts and expertise on improved professional staff productivity, decreased documentation time, reduced complexity and ambiguity which has existed in the PT billing and reimbursement process for years, and get back to doing what we do as Physical Therapists...client care and rehabilitation.

Botched Botox? Which Of These Five Reasons Will Scare You Most From Getting Bargain Botox?

Botox was first introduced approximately 20 years ago for the control of muscle spasm around the eye. When it was noticed that these patients returned a fortnight later it was noticed they all seemed to have less wrinkles. A whole wonderful application was born.

And over the past 20 years the safe uses for Botox have risen dramatically. But also the number of people injecting it - both doctors injecting this prescription-only medication legally, and the number of nurses, vets, chiropractors, beauticians and others who somehow get hold of this substance illegally - has risen dramatically.

It is paramount to your safety to ask who will be injecting your Botox.
Why? Firstly, one reason is because this is a prescription-only medication. Authorities have a responsibility to restrict access to this because it is a drug which can have severe, even fatal complications. Deaths have resulted because of injections performed primarily, if not exclusively, by people who are not doctors.

Secondly, to ensure the absolute minimum amount of drug is used to achieve the best possible result, your injector needs to have a thorough understanding of anatomy - the kind of understanding and training that only a doctor, preferably a facial surgeon can obtain. Why? Because the complex anatomy of the muscles, nerves, arteries and other structures in the face, in various depths and planes cannot be appreciated by reading this from books. And currently, only doctors and surgeons in Australia are allowed access to perform human dissection in medical school. And only doctors and surgeons are allowed to later perform surgery on live humans in hospitals under the supervision of other surgeons.

Injecting Botox and other facial injections is not something that should be done by someone who was not medically or surgically qualified. Completing a weekend course or working under the 'supervision' of a doctor who is not even on the premises is both illegal and unwise.

"There is hardly anything in the world that some man cannot make a little worse and sell a little cheaper, and the people who only consider the price are this man's lawful prey." - John Ruskin (1819-1900)

You have the right to know how much of this prescription drug is being injected. In fact, you should ask to see the prescription.

Most illegal clinics/spas/salons sell Botox by unit. However, ask them for the prescription and see what they say. Some people find it unsettling to watch them squirm as they misleadingly tell you this is not necessary, or the 'doctor' (if there is one remotely connected to them) has it in his/her clinic in another suburb. You might ask yourself, "When was the last time your pharmacist administered medication to you without you handing over this legal document?"

When you see them squirm this might be your chance to run. Fast.

Not only this, but by not giving you a copy of the prescription, allows them to give you whatever they want. Unfortunately, with the profiteering and illegal practices running this allows them to significantly dilute the Botox for a higher profit.

And, thirdly, because it is dilute, they must use a larger volume of fluid - this is dangerous. Why? Because it means they are taking an even bigger risk of this prescription drug spreading into surrounding structures in the face.

Almost every accident caused by Botox spreading into the muscles of the eye or the mouth or circulation that have resulted in paralysis or weakness of the eyelid on one side or the mouth have occurred because of unqualified or poorly trained people injecting this substance.

And, fourthly, to make matters worse, if they are not qualified doctors, then they are not insured for malpractice - after all, they are injecting illegally in the first place.

And when those people are forced to inject larger volumes, because they have diluted it with water, they also increase the risks of cross-contamination between patients.

Fifthly, additionally, the 'clinics' and spas may store the diluted Botox for long periods which decreases its effect and safety.

Ultimately, it is your job to make sure you choose a doctor who will explain the risks of Botox.

Any surgeon or doctor trained and experienced in the anatomy of the face will be able to explain, at great length, the possible (but unlikely) complications of injecting into the face. Why, because he or she has been trained in hospitals, on real patients. Many have performed surgery to repair damaged arteries or nerves. Anatomy is second nature to them. They know your face like the back of their hand. The anatomy of the face is extremely intricate. It is not something that can be mastered by studying textbooks or weekend seminars.

Botox works by reducing the movement of muscles - muscles which cause creases and wrinkles in the face. The perfect result is achieved by reducing movement enough to reduce the wrinkle while maintaining a natural expression. Hundreds of millions of Botox injections have been performed safely and it will likely be one of the most popular drugs for many years to come. But misadventures and mistakes caused by mishandling by unqualified hands is something that today's more intelligent and discerning consumers will be wise to avoid being lured into for the sake of saving a few dollars.

Dr Gary Eldridge