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labmedsds · 1 year ago

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How To Prepare For A Less Expensive Privet Blood Test?

Privet blood tests hold significance for seniors and those with special needs. A less expensive privet blood test gives them the convenience of getting their blood tested within the comfort of their home. Furthermore, you can get more privacy with the structured appointment. Normally, you have to wait for days to get your blood test results. But it is not the case with the privet blood test. You can get the results quicker than expected.

Tips To Make Preparations For A Less Expensive Privet Blood Test

Are you preparing for a less expensive privet blood test? Getting a privet blood test done by an expert medical professional is great. However, there are some prior preparations you need to make on your end too. What are those? Continue reading to get the answer.

1. Remain Hydrated

Drink just the right amount of water. Maintain popper body hydration while meeting the nurse who came to your home for the blood test closest to my privet service. It will make their work easier if you drink plenty of water. Why? Well, it is easier to find the veins to puncture for the blood test in your body when you are hydrated enough.

2. Get Relaxed, Calm Your Nerves

You must be relaxed and calm during the very gentle private blood work and a very fast result. Witnessing your blood or experiencing pain during the procedure can potentially induce stress and anxiety. Make all possible efforts to stay composed and calm your nerves during the test.

3. Sleep Tight

Sleeping 6 to 7 hours one night before the blood tests is crucial. It helps you to be calm during the process. Furthermore, when your blood is being drawn, the flow remains steady, ensuring there are no health-related issues that might cause delays in the test. This allows for timely delivery of your blood test results.

4. Update The Medical Provider About The Intake Of Any Medications

Were you on any medications or taking any vitamins and supplements? It is crucial to consult about all this with your doctor before the nurse visiting you for the blood test. By doing so, you can avoid any potential health-related side effects. All this evaluation are crucial for choosing the right and the most suitable less expensive privet blood test.

5. Avoid Drinking And Smoking 24 Hours Before Blood Test

Both nicotine and excessive alcohol consumption pose health risks. Hence, it is particularly advised to abstain from drinking or smoking for a 24-hour period before undergoing a blood test. This precaution is essential to prevent potential alterations in the test results. Alcohol consumption can significantly influence blood sugar levels and lipid profiles, which may result in inaccurate outcomes.

Get More Accurate Blood Tests Results!

Are you seeking the assistance of professional nurses for your less expensive Privet blood test? Look no further than Labmed Soins De Santé. They give the best and fastest test results at the lowest expense within the comfort of your home. However, you have to follow certain precautions before your blood tests. Those precautions include being hydrated, relaxed, sleeping properly, updating the nurse about your past medications, and avoiding drinking or smoking. After that, all you need is to call them and avail yourself of the perks.

For Version French:

Comment se préparer pour un test sanguin privé moins cher ?

Les tests sanguins privés revêtent une importance particulière pour les personnes âgées et celles ayant des besoins spéciaux. Un test sanguin privé moins cher leur offre la possibilité de faire analyser leur sang dans le confort de leur domicile. De plus, vous pouvez bénéficier d'une plus grande intimité grâce à des rendez-vous organisés. Normalement, il faut attendre plusieurs jours pour obtenir les résultats d'un test sanguin, mais ce n'est pas le cas avec un test sanguin privé. Vous pouvez obtenir les résultats plus rapidement que prévu.’

Conseils pour se préparer à un test sanguin privé moins cher

Vous vous préparez pour un test sanguin privé moins cher ? Faire un test sanguin privé réalisé par un professionnel médical expérimenté est une excellente chose. Cependant, il y a aussi quelques préparatifs préalables que vous devez faire de votre côté. Quels sont-ils ? Continuez à lire pour obtenir la réponse.

1. Rester hydraté(e)

Buvez la quantité adéquate d'eau. Maintenez une bonne hydratation corporelle lorsque vous rencontrez l'infirmière qui vient chez vous pour le test sanguin de mon service privé le plus proche. Cela facilitera son travail si vous buvez suffisamment d'eau. Pourquoi ? Eh bien, il est plus facile de trouver les veines pour effectuer le prélèvement sanguin lorsque vous êtes suffisamment hydraté(e).

2. Détendez-vous, apaisez vos nerfs

Vous devez être détendu(e) et calme pendant la prise de sang privée très douce et les résultats très rapides. Le fait d'observer votre sang ou de ressentir de la douleur pendant la procédure peut potentiellement induire du stress et de l'anxiété. Faites tous les efforts possibles pour rester calme et apaiser vos nerfs pendant le test.

3. Bien dormir

Il est essentiel de bien dormir pendant 6 à 7 heures la nuit précédant les tests sanguins. Cela vous aide à rester calme pendant le processus. De plus, lorsque votre sang est prélevé, le flux reste régulier, ce qui garantit qu'il n'y a pas de problèmes liés à la santé pouvant entraîner des retards dans le test. Cela permet une livraison rapide des résultats de votre test sanguin.

4. Informez votre prestataire médical de la prise de médicaments

Prenez-vous des médicaments ou des vitamines et des compléments alimentaires ? Il est crucial de discuter de cela avec votre médecin avant que l'infirmière ne vienne chez vous pour le test sanguin. En le faisant, vous pouvez éviter tout effet secondaire potentiellement lié à votre santé. Toutes ces évaluations sont essentielles pour choisir le test sanguin privé moins cher le plus adapté et approprié.

5. Évitez de boire et de fumer 24 heures avant le test sanguin

Tant la consommation de nicotine que la consommation excessive d'alcool comportent des risques pour la santé. Il est donc vivement conseillé de s'abstenir de boire ou de fumer pendant une période de 24 heures avant de subir un test sanguin. Cette précaution est essentielle pour éviter toute altération potentielle des résultats du test. La consommation d'alcool peut influencer de manière significative les niveaux de sucre dans le sang et les profils lipidiques, ce qui peut entraîner des résultats incorrects.

Obtenez des résultats plus précis pour vos tests sanguins !

Êtes-vous à la recherche de l'aide d'infirmières professionnelles pour votre test sanguin privé moins cher ? Ne cherchez pas plus loin que Labmed Soins De Santé. Ils offrent les meilleurs et les plus rapides résultats de test à un coût réduit, le tout dans le confort de votre domicile. Cependant, vous devez suivre certaines précautions avant vos tests sanguins. Ces précautions comprennent l'hydratation, la relaxation, un sommeil adéquat, la mise à jour de l'infirmière sur vos médicaments passés, ainsi que l'évitement de la consommation d'alcool et de tabac. Ensuite, il vous suffit de les appeler et de profiter de leurs avantages.

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speakersking98 · 2 years ago

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A Guide to How Speakers and Amplifiers Work Together and How to Match Them Correctly

The job of a PA system is to take a weak audio signal such as that produced by a vocal, convert it into an electrical signal, increase the size of this signal and convert it back into sound energy at a significantly greater volume. A PA system is made up of a number of components of which it is the job of the amplifier to increase the size of the audio signal and the speakers to then convert this signal back from electrical energy to sound energy. If the amplifier and speakers used in a particular PA system are not properly matched in terms of amplifier power output and speaker power rating then speaker damage can occur resulting in potentially expensive repair bills or even the requirement for replacement speakers. This article will discuss the basic theory behind speaker and amplifier ratings, the reasons why speaker damage occurs and how to match an amplifier or speakers to produce the best possible sound quality and lowest possible chance of speaker damage.

How amplifiers and speakers work together

Audio signal amplifiers take a small electrical signal and by using a series of transistors ultimately produces an electrical signal that recreates the voltage fluctuations of the original but of a much higher power. Speakers work on the electric motor principle whereby the electrical pulses from the amplifier are channelled through a coil of wire creating magnetic energy in the form of an electromagnet. This coil is then attracted or repelled from a second fixed magnet creating vibrations in the paper cone to which it is fixed which in turn transfers energy into the surrounding air molecules resulting in sound.

How speakers and amplifiers are rated

Both amplifiers and speakers are given ratings in terms of the power they are capable of supplying or their ability to cope with the power supplied to them. Power is measured in Watts (W) and is the rate at which energy (measured in Joules) is converted from one form to another. For example 1 Watt of power is the equivalent of 1 Joule of energy being converted per second or 10 Watts of power is the equivalent of 10 joules of energy being converted per second.

There are a number of methods in use to describe the power of an electrical signal not all of which are best used to rate the power of amplifiers and speakers:

Instantaneous Power: This refers to the power being used at any particular instant during operation but as the power used to move the speaker cone in the complex manner required is continually and rapidly varying this is not a useful measure for describing the capability of an amplifier or speaker.

Peak Power is the maximum amount of instantaneous power present at the highest level during the signal. For amplifiers peak power is useful for describing the maximum instantaneous limit of its capability for sounds such as drumbeats and bass notes. Amplifier peak power is limited by the available power supply and if the input level is increased beyond a point where the amplifier reaches the limits of its power supply a form of signal distortion known as clipping occurs. For speakers the peak power occurs at the point where the speaker cone reaches its fore or rearmost point beyond which damage may occur.

RMS or Average Power: This is the Maximum Continuous Average power output capability of an essentially undistorted signal to a specified load impedance (in this case the load is the speaker) and is the most consistent method of comparing power levels between amplifiers and speakers.

Music or Programme Power: Often used in speaker ratings these terms were conceived by manufacturers as speakers are very rarely used to produce pure tones (for which average power is measured) instead being used to reproduce sounds of rapidly changing power distribution. Music or programme power is said to be approximately twice the equivalent average power.

Why speakers fail

Speakers most commonly fail due to either excessive power or a distorted signal being supplied by the amplifier. Heat is a by-product of the motor effect caused by sending an electrical signal through the speaker coil and if excessive power is sent to a speaker the heat generated can damage or destroy the coil. Alternatively if an underpowered amplifier is driven to the point beyond which it is capable of delivering, this "clipped" signal produces excessive high frequencies which can burn up tweeters or horns.

How to match amplifiers and speakers

When putting together a PA system you may have to match amplifiers and speakers rated with different methods (e.g. the amplifier is rated by RMS Power and the Speakers are rated with Music Power) and as such you may be unsure how these two measurements relate to each other and if the amp and speakers are correctly matched.

If both the amplifiers and speakers are rated in terms of RMS power and they are not likely to be overdriven you can compare them directly matching an amplifier of 100 Watts per channel with speakers rated at 100 Watts RMS. If however the system is to be used for dance music or heavy metal where the amplifier is likely to be overdriven resulting in clipping, a speaker system rated at approximately twice the amplifier RMS is recommended.

If your speakers are rated in terms of Music or Programme Power remember that this is approximately twice the average or RMS power and as such for low level applications such as speech the speakers should be double the amplifier rating (e.g. 100 W amp to power 200 W speakers). For applications such as live or dance music where clipping may occur speakers of Programme Power more than twice the amp RMS Power will be required and potentially up to three times more for high power applications.

Overall your PA system should be designed so that the amplifier is powerful enough so as to never be driven to clipping and the speakers sufficiently powerful so as to cater for the continuous power produced by the amp.

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betwixtedthoughts · 4 years ago

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Bet Thinks:

Masking is the external consequence of a very arduous internal process.

I can only speak for myself, but I have never stood at the door and thought, “I don’t want people to think I’m a freak, so I’m going to pretend to be normal.” Absolutely never! I have been blessed to be raised with a very patient brand of unconditional love, and so I have never once thought of myself as abnormal or a freak (except the funky fun kind).

This may not be the case for others on the spectrum, but that is why I cannot fathom “hiding symptoms” to be the cause behind masking because I still mask.

Masking is the result of what I call my “Mental Simulator.”

Everyone has one, but not everyone is constantly conscious of using it. What do you do when someone says, “Hi!” and waves at you across the street? Whatever your response is, that is the active use of your mental simulator. You already know what you’re going to do.

The only problem is, most people don’t even have to think about it. Their body just lifts their hand and waves back, their face breaks into a smile, and they say “Hi!” or “Good morning!” back. Most people don’t have to calculate the exact height at which to raise their hand, the volume or tone with which to say the words, and with what degree of smile appropriate.

And therein lies the problem with leaving the house. Masking happens as a coincidental result of always running that mental simulator. Or should I say the meltdowns are a coincidental result of overworking that mental simulator? Projecting as “normal” isn’t the abnormal condition, the breakdowns are. The meltdowns happen when the mental simulator cannot keep up.

Because see, when I get ready to leave the house, I am forced to prepare myself.

“I am about to step into the world, and there will be things I cannot predict out there. There will be loud sounds, bright lights, lots of things to touch and feel and smell, and lots of people.”

Which means my mental simulator is about to get a workout.

“Is there anyone else in the neighborhood outside? If there are, do I recognize any of them? If I do, is it appropriate to say hello? Have they seen me? Are they in a good mood? Should I say hello? What if they want to start a conversation? Do I have time for that before I need to leave?”

This process can happen rapidly. The more frequently an event occurs, the more prepared I am to deal with it. The more times I encounter someone (anyone) outside in my neighborhood, the more I can develop a rapid and suitable response. I can now wave and say hi while I walk to my car. I now know this is an acceptable response to seeing someone I know walking around outside. It is polite, but it also gets the message across that I need to go. Etc. etc.

Other times, this process lags. The more tired I am, the less experience I have with a situation, the more surprised I am by the event, and other circumstances can slow it down. That often means I end up missing the appropriate timing to respond. Several years ago, if someone were to say hello to me from across the street, I would be blindsided by it. I possibly offended many people because my simulator took too long to decide whether I should smile, wave, say hello back, do all three, or just keep going, and I lost the opportunity to respond.

How tired I am, my experience with the situation, and how surprised I am by the event are all alarmingly critical variables.

My mental simulator is continuously at work, and that takes energy, which means the longer I’m forced to keep it running at full speed, the more exhausted I become. The longer I am out, the more tired I am at the end. Makes sense, does it not? Yes, but the reality of the matter is that exhaustion is sometimes the difference between me being quick enough or too slow to respond to an event, especially at the end of the day.

There was a time where I couldn’t respond to a neighbor waving to me on my way in at the end of the day despite it being the same process as that morning, simply because I had overextended my simulator that day. I had no more energy left to run even one more simulation.

My experience, on the other hand, determines how deeply the event is buried and the amount of energy my simulator requires. It’s like running water down a pipe. If the pipe is small, clogged, or rusted shut, it takes a long time for water to get to the other end. But if the pipe is wide, clean, and frequently used, the water will rush through to the other side. This is the difference between something I’m encountering for the first time or for the hundredth time.

As for surprises, it’s not that I don’t like them! It’s just that surprises mean events I’m unprepared for. And even small events such as bumping into someone I know at the store can be jarring because it’s inserting a new simulation into an already running one.

Think of that like cooking. You’re preparing a meal, and you have all the ingredients and tools you’ll need. You’ve already set the pot on the stove. You’re adding ingredients to your pot. When all of a sudden, you’ve got an entirely different dish to prepare on top of it all. You’re in the middle of keeping track of the first meal because it’s already started, and it’s too late to stop now, but you’ve also got to slice, dice, and prepare the ingredients for this second dish.

Now you’ve got to get them both finished, and they both have to be edible. Sometimes the second dish has to be completed before you can get back to the first, and sometimes the first demands stirring or adding ingredients at fixed intervals. You’ve got no choice but to juggle them both.

Sounds exhausting, no? It’s just as exhausting dealing with surprises. In the same way someone might not mind preparing two dishes simultaneously, I don’t generally mind surprises, but it is still taxing.

And unfortunately, the insertion of these new simulations into existing ones is an inevitable result of leaving the house. That is part of the reason I “gear myself up” for the day before I leave. I have to be prepared to juggle sometimes upwards of ten different dishes at the same time, and they all are going to finish at different times and have different needs in the meantime.

Not to mention the more dishes you’ve got cooking at once, the easier it is to make mistakes. And making mistakes means you’ve got to expend energy to fix them, and the increase in frustration for making the mistake in the first place. Simple things become more and more difficult, until it feels like you either can’t do anything right or that it’s absolutely impossible to get everything done in time.

This mental strain leads, expectedly, to mental exhaustion. I am always tired when I get home, but I’m still not done for the day. Continuing with my metaphor, just because the dish is done cooking doesn’t mean I’m done in the kitchen. I still have to plate the meal, eat it, and clean up afterward.

When I get home, I shut down so I can process my day. I go over the entire excursion. I confirm that I accomplished everything I set out to do, and I review every interaction I inevitably encountered. Not only to make sure I didn’t commit a major faux pas but also to assimilate the events into my simulator for future reference. I reject or approve the effectiveness of the responses I made that day and prepare counter-responses for similar events in the future.

It doesn’t matter if it was a ten minute run to the store or an eight hour day at school, I do this every time I go out. The length of the time out, the strain on my simulator, and the number of surprises determine how much I have to go over and how long it will take for me to “restart.”

This is, incidentally, one of the reasons routines are so comforting. When I have a pattern, it becomes as close to autonomous as is possible for me. These routines become the simulations with the lowest amount of energy required. And I revert to these autonomous routines when I need to process.

I come home, and I fall into my “shut down routine.” I set aside my keys, hang my purse, take off my shoes, and change clothes. If I have not bounced back by that time, I now utilize idle clickers on my phone as they function exactly like my autonomous routine in giving my body something to do on the surface while allocating most of my energy to processing.

Lashing out occurs when the processing couldn’t finish or when my exhaustion levels exceed functioning level.

I don’t mean to bite people’s heads off when in that state, but in either situation, I am so tired that I have no energy to allocate to tone or vocal regulation and all I feel is one more simulation I need to run on zero energy.

Metaphorically, it’s like, in the process of cleaning up the entire kitchen, being told you need to start cooking again. To start the whole process all over again.

And at that point, I have no option but to “blue screen of death” and abort everything.

This often looks like I’ve jumped from a neutral basal state of concentration to immediate frustration or lashing out.

I’m not masking my symptoms while I’m out; I’m just running on, basically, an adrenaline rush. I’m geared up, on guard, and prepared for anything and everything the world has to throw at me. And I tunnel-focus on getting back home so I can retreat to my low-energy lifestyle.

For autism, experience is really the best coping mechanism. The more things you’re exposed to in low tension environments, the better off you’ll be in the long run. The more experience you have, the more you’ll develop routines for events outside, and the more stuff you can make low-energy, the less tired you will be at the end of the day, and so on.

Routines are about predictability, and we find predictable comfortable because we know what to do in response. Rather than lock yourself up in a bubble of comfortable, expand your comfortable. Develop patterns to handle events outside your current routine. It eases the burden on you mentally.

#autism #female autism #masking #mental health #coping

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margaretrodriguez-blog · 4 years ago

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captainharphilip10things · 5 years ago

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Rope of Hope

By: John Philip R. Hariramani

December 17 2019 I was privileged and honored to have conducted an interview with one of the best barangay in Disaster Risk Reduction and Management (DRRM) which was given to the barangay in the year 2017 in the Reginal Gawad Kalasag; this barangay is Brgy. Sto Cristo, so among all the 42,600 brgy in the Philippines, Sto. Cristo is one of the best brgy when it comes to DRRM. I was able to interview the Brgy Secretary-General which is Mr. Joseph D. Lim, in the interview it help me understand how one devastating calamity change a barangay, this calamity somehow shape the barangay and open the eyes of each and every people in the barangay.

A Rope That Pulled the Hopes of the People.

On September 24 2009 when the Philippines was devastated by the bagyong Ondoy, one of the part of the barangay where the old barangay hall is found in Romblon street it is one of the lowest part of the barangay where it is parallel with kulyat creek, it was really submerged underwater and there is also a video in YouTube about it were we you can see people walking on top of the cover court so that they may survive, what the barangay only have that time is a rope so that they may cross from one side to another, that rope symbolized hope for them because without that rope, they wouldn’t have survived that tragedy. Rope pulled each and everyone on that barangay to rise from that disaster and they didn’t stop their but they used that as a learning step for them and from then on they straighten their BDRRMC they purchase the necessary equipment that is needed in the barangay level only like boats, life vests, tools that will help them. With all the necessary changes they were able to stand and be able to be one of the best barangay in the Philippines. They would not have this award if that Ondoy tragedy did not occur, they did not just sit at the side and think why this happens, but they stand and look for what they can I do so that these happenings will not anymore happen in this barangay. The rope symbolized the will of the barangay to help each other and pulled each other to safety. The rope gave them the will power to be the best among other barangay.

What Comes After Hope?

Barangay Sto. Cristo did everything that they can do to educate the people in the barangay in first aid, fire drills, and earthquake drills so that if the time comes they will not just cry for help but rather they will be the one to help the people who are crying for help. What comes after hope is for them to give hope to others, to be the hope of the hopeless to help each other to survive. The barangay conducts yearly seminar called Educational Information Campaign or the (EIC) were it teaches people about first aid, fire drills, earthquake drills and they also train them so that they will be prepared. Know the old barangay Sto. Cristo is found in Romblon beside it is a motor pool and right above it is an early warning monitoring system where you can see in there is an instrument which is called hudiat bahay or known as HB it is an apparatus that when the water level in the creek is rising it will alert the system in three ways green, yellow, red: Green stands for handa, Yellow stands for likas, Red stands for puwersang likas, and when this occurs the PA system will announce it and will alert the people in the barangay to evacuate or to prepare for an incoming flood, and there are also sign put in street in strategic places that were you can find three colors painted on the wall so that people will be aware and there are signs that are pointing to the evacuation center which is found at the back of the barangay hall which is Sto. Cristo elementary school.

This are roles of the kagawad of the barangay during disaster. This chart shows the specific task of each kagawad when something happen to the barangay so that they will be organized and so that they may be able to help the people of the barangay properly and so that no one will be left unaided and so that everyone will be given the same amount as everyone. The one who orchestrated the plan is the brgy chairman he is the one pointing and leading the pack, we might say that why is the chairman not here helping the people but what we don’t know is he is the one how leads the pack even if his life is on the line. Each section in the chart like Communication & Transportation, Fire Suppression, Evacuation, Search & Rescue, Damage Control & Rehabilitation, Disaster Relief, Emergency & Medical, function in a chronological order whereas if there are flood, fire, earthquake they fallow a certain procedure that will help them function properly: like for example in cooking you start at the very first procedure you can’t skip the first and jump into the fourth procedure, the outcome of that dish will either be uncooked or disgusting. They function as one but fallow a sequence.

The first person on my left in the pic is Mr. Joseph D. Lim the Brgy. Sec-Gen he is holding the report of the successful disaster prevention that was submitted to the disaster committee and approved it. Next to him is Hon. Antonio B. Panililio. The Brgy. Kagawad and the Chairman on Fire Suppression. On my right is Kuya Ronald who handles the PWD of the Barangay, he is holding the trophy of the gawad kalasag award given to the barangay Sto. Cristo.

Acknowledgment

Fist I would like to thank my Father for introducing me to Kuya Ronald so that I may be able to interview the Sec gen and the brgy Kagawad Tony Panlilio. I also want to thank Kuya Roland for accepting my request in a short notice and for helping me in a friendly manner and accommodating me in my need so that I can make this interview possible. I would like to also thank The Secretary-General Mr. Joseph D. Lim for accepting my invitation to interview him in a very short notice thanks for giving me your time even though you have a lot of things to do. I would also like to thank Kagawad Tony Panlilio for giving your time to answer some of my questions and for helping me to make this interview possible. last is I thank God for giving me the opportunity to be able to meet these people without you I would not have meet these honorable people and be able to interview them and I thank the University Of Santo Tomas for making this a requirement, because this requirement help me to see and to know the status of my barangay that then I did not care about and it helps me to have a relationship with my barangay.

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obertsonpddamarispb86insura-blog · 5 years ago

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audi a3 insurance cost

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audi a3 insurance cost

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dale-e-anstine · 2 years ago

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Auto Accidents in York PA: Major Causes and Steps to Take After an Auto Crash

Auto accidents are among the most common causes of injury on the road. Whether a minor fender-bender or a severe collision, an auto accident can lead to severe injury, disfigurement, permanent disability, and loss of life. Most auto crashes are caused by negligent drivers resulting in life-changing impacts for victims — hefty medical bills, lost wages, and emotional distress.

Accident victims are entitled to financial compensation for their losses. However, most victims don’t collect the amount that they’re due.

Why?

Insurance entities have strong legal teams that ensure they pay the lowest compensation value possible and without adequate legal representation, this is often the case.

Thankfully, auto crash victims in Pennsylvania can hire auto accident attorneys in York, PA, to help them get fair compensation for their injuries and losses.

This article examines the major causes of auto crashes and what you should do if you’re ever involved in one.

Itching to know more? Let’s get cracking!

Common Causes of Auto Accidents

The most common causes of auto accidents are:

#1 Aggressive or Reckless Driving

Tailgating and preventing other drivers from moving or flashing your headlights when annoyed are aggressive driving acts that can lead to accidents.

Violating basic driving rules like making safe turns, staying within speed limits, and obeying traffic lights can lead to accidents. In 2020, speeding was the most common cause of road accidents in Pennsylvania.

#2 Drunk Driving

Driving under the influence (DUI) is one of the most common causes of auto accidents. Alcohol impairs the driver’s ability to make sound decisions behind the wheel.

#3 Distracted or Inattentive Driving

Driving when distracted by phones, food, coffee, other passengers, pets, or anything that causes you to take your eyes off the road can also cause accidents.

#4 Poor Weather Conditions

Inclement weather conditions can lead to icy roads and poor visibility, increasing the risk of auto accidents.

#5 Defective Vehicle or Parts

A defective vehicle or parts like an airbag, tire, or brake can cause or worsen the effects of a car crash.

What to Do If You’ve Been in an Auto Accident

What you do immediately after an accident can impact how much compensation you’ll receive. Here are steps to take immediately after an accident:

● Call 911

You need to get checked by a doctor immediately, even if you don’t have serious injuries. Several injuries like internal bleeding or whiplash may not show symptoms immediately, and you’ll need to allow the emergency responders to examine you. You may also need to file a report with the police and your insurer.

● Gather Available Evidence

Evidence from the accident scene helps to strengthen your case. Take photos and videos of torn or bloodied clothing, injuries, skid marks, and debris. Collect contact information from eyewitnesses and others involved in the accident.

#Auto Accident Attorneys in York PA #Auto accident lawyer york pa

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apolonia102812-newsletter · 2 years ago

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5 Mistakes Life Insurance Mistakes That You Should Avoid

Some Life Insurance Advice to Consider

There are many good reasons to consider buying a life insurance policy, such as a recent marriage, a new baby, or taking on a large debt (like a house) loved ones would have trouble paying off if something happened to you. Or perhaps you have witnessed first-hand the impact that a death has on surviving family members’ finances.

If you’re in the market for life insurance or have recently bought a policy, make sure you don’t put your family’s finances in jeopardy by making these mistakes.

KEY TAKEAWAYS

Life insurance can offer a measure of financial reassurance to your loved ones if something were to happen to you.

The younger and healthier you are when buying life insurance, the lower your premiums are likely to be.

It’s important to compare various types of life insurance to find the policy that’s right for you and your financial situation.

Permanent life insurance covers you for your entire life and accumulates cash value over time. Term insurance only lasts for a certain number of years (e.g., 20 years) and has no cash value.

It’s possible to own more than one life insurance policy, though you may be required to complete a medical exam to qualify for each one.

Getting Life Insurance

Life insurance is a financial contract that pays out a death benefit to one’s heirs or other beneficiaries in the event of their death. The purpose of this death benefit is to replace any current and future income lost due to that death, to cover any outstanding debts and obligations of that person, and to leave some additional money as an inheritance or legacy.

Life insurance today exists in a competitive marketplace, with many companies offering several types of policies and products. Term life insurance is the most basic form of coverage, providing a level death benefit for a set period of years (e.g., 20 years). Once the term runs out, you will need to re-apply for new coverage if you so choose. Permanent life insurance can last your entire life, and often comes with a cash accumulation component. The premiums on these types of policies tend to be more expensive compared to term, but also come with additional benefits and value.

Regardless of which type of insurance you decide to go with, the application process will be similar. You will need to provide your basic information, financial picture, and complete a health survey. In addition to the survey, you will often have to undergo a paramedical exam, during which a trained healthcare professional will examine you and may request a sample of blood and urine for analysis. This is because life insurance rates are linked to the statistical probabilities that you will die and the insurer will have to pay out a claim.

As a result, insurance premiums are often the lowest for younger people (who are often healthier and have longer to live) and for healthier people. Those with health conditions or who have riskier lifestyles (e.g., smokers) can expect to pay more.

Once approved, you will have to pay regular policy premiums (which can be set anywhere from monthly to annually). So long as you continue to pay your premiums, the policy will remain in-force; otherwise, it may lapse and your coverage will be forfeited.

Mistake #1: Waiting to Buy Insurance

When purchasing life insurance, it’s important to consider the amount of coverage you need as well as the cost. Life insurance premiums are based on a number of factors, including your age and overall health.

Buying a life insurance policy sooner, rather than later, can work in your favor if you’re hoping to secure a policy at the lowest possible cost. Life insurance rates generally increase as people age or their health deteriorates. And, in some cases, illnesses or health problems may make you ineligible for coverage. The longer you put off the buying decision the more the insurance will probably cost — if you can buy it at all.

In addition to completing a health questionnaire, you may be required to complete a paramedical exam as part of the life insurance underwriting process.

Mistake #2: Buying the Cheapest Policy

While it is important to shop for a policy that’s affordably priced, it’s important to consider what you’re getting in return, in terms of coverage. Life insurance policies can be a bit complicated, so it’s a good idea to learn about their features and benefits.

For example, term life insurance tends to be cheaper than permanent life insurance. But there’s a caveat: term life insurance only covers you for a set time period while permanent life insurance can cover you until death, as long as your premiums are paid.

If you believe you’ll only need life insurance for a set period, say 20 or 30 years, then a term life policy can be an affordable option. On the other hand, if you’re interested in lifetime coverage or you want to own a life insurance policy that builds cash value as an investment vehicle, then it could be worth it to pay more in premiums for permanent coverage. Try comparing the quotes of different life insurance policies to determine what you might be giving up in exchange for a cheaper deal.

The question of whether term or permanent coverage is better will depend on a case-by-case basis, depending on your insurance needs and financial situation. If you buy a term life insurance policy and then later decide you want lifetime coverage, you may be able to convert your existing policy to permanent life insurance.

Mistake #3: Allowing Premiums to Lapse

When purchasing life insurance, you’re expected to pay a premium in return for coverage. Again, these premiums can be based on your insurance risk class, which correlates to your age, health, and other factors. If you’re considering buying a universal life policy with secondary guarantees — low-premium guaranteed death benefits for life or for a specified period of time — a late payment can impact the policy benefits.

Universal life is a special type of permanent policy that has been marketed as having long-term guaranteed protection at the lowest possible rate — it is very different from term insurance. While many of these types of policies have a cash surrender value, universal life with secondary guarantees focuses on maximizing the amount of insurance available per dollar of premium.

Some of these policies can be sensitive to the timing of premium payments. For example, if you happen to miss a monthly payment — or are more than a month late sending in your check — your guaranteed policy may no longer be guaranteed. A policy purchased with guaranteed coverage to age 100 might only provide protection to age 92 if one payment is late or missed, which could be problematic if you live longer.

Check with your company if you think you’re going to be late on a payment; many will allow 30 to 60 days without changing the policy’s guarantee.

Mistake #4: Forgetting Insurance Is an Investment

The Financial Industry Regulatory Authority (FINRA) considers a variable life insurance policy an investment, so it is important for you to treat it as one too.

A variable life insurance policy is a permanent type of policy that provides life insurance protection with cash value. Part of the premium goes toward life insurance, and part goes into a cash-value account that is invested in various investments similar to mutual funds that you choose. Like mutual funds, the value of these accounts fluctuates and is based on the performance of the underlying investments. People often look to these policy values in the future as a source of funds to supplement their retirement income.

You must fund a variable life policy sufficiently to maximize its cash value growth. This means continuing to make adequate premium payments, especially during times of poor investment returns. Paying less than originally planned can have a big impact on the cash value available to you in the future. It’s also important to monitor your policy’s performance and periodically rebalance your accounts to your desired allocation, just as you would with any investment account. This will help ensure you’re not taking on more risk than you had planned when you set up your account.

Mistake #5: Borrowing From Your Policy

Permanent life insurance policies that accumulate cash value could be a source of funds when you need to borrow money. The cash value of a permanent policy can generally be used for any reason you see fit, including tax-free withdrawals and loans, if done properly.

This is a great benefit, but it must be carefully managed. If you take too much money out of your policy and your policy lapses, or runs out of money, all the gains you’ve taken out will become taxable. Not to mention, you may significantly reduce the death benefit that’s available to your beneficiaries when you pass away.

If you have taken too much money out and your policy is about to lapse, you may be able to maintain the policy by making additional premium payments, assuming you can afford them. When accessing your life insurance policy’s cash value, be sure to monitor it closely and consult your tax advisor to avoid any unwanted tax liability.

Note

Taking a life insurance loan is different from tapping policy benefits prematurely through an accelerated death benefit rider.

Can You Have Multiple Life Insurance Policies?

There’s no rule issued by life insurance companies that disallows you from owning multiple life insurance policies. And there are some scenarios where it may make sense to do so.

For instance, you may have purchased a $250,000 term life policy at age 30, only to decide at age 40 that you need more coverage. You may choose to purchase a second $250,000 term life policy to close any gaps in your financial plan. Or, you may opt to own both a term life policy and a permanent life insurance policy.

There are some things to keep in mind about owning multiple life insurance policies, however. First, multiple policies mean multiple premiums. If you’re purchasing different policies at different times, you may see a wide range between the highest and lowest premiums, depending on your age and health.

Applying for multiple policies may also mean having to submit to multiple paramedical exams. These exams are conducted as part of the underwriting process and typically involve submitting blood and during samples, as well as having your blood pressure and other vitals checked. While these exams are usually brief, scheduling several of them may be inconvenient.

Keeping up with multiple policies can also complicate things, especially if you’re using several permanent life policies as an investment tool. It could increase the odds of overlooking a premium due date, which could cause one of your policies to lapse.

Consider talking to your insurance agent or financial advisor about the pros and cons of owning multiple life insurance policies and what tax implications that might have, if any.

What Is the First Thing You Should Do Before Buying Life Insurance?

Buying life insurance is a process, and there is a market for insurance products. First, evaluate your financial needs and goals, and what type of coverage is best for you in order to cover those needs and goals in the event of an untimely death. Make sure you decide on both the right type of coverage (e.g., term vs. permanent) and the correct death benefit amount. Then, shop around for the most affordable coverage from a reputable insurer that can meet your needs.

How Long Does It Take to Receive a Life Insurance Death Benefit?

Life insurance companies typically pay out death benefit money within 60 days of making a valid claim.

*Sample pricing for healthy, 35-year-old, non-smoking female with a 20-year term life policy.

What Factors Should I Consider When Getting Life Insurance?

First, determine how much coverage you need. There are several rules of thumb for arriving at the right amount of coverage, such as replacing several years of lost income along with any debts and other obligations you may owe now or in the future.

Next, decide whether term or permanent insurance is best for you. Term policies have lower premiums but they expire after a set number of years. They also do not accrue any cash value.

Regardless of type, insurance premiums will increase with age and are more expensive for those in inferior health.

Are Life Insurance Payouts Taxed?

Death benefits on life insurance policies are given to beneficiaries income tax-free. If, however, the death benefit increases the value of the deceased’s estate over the estate tax limit, it may be subject to estate tax.

What Is the Best Age to Buy Life Insurance?

The younger and healthier you are, the lower the premiums on any life insurance will be. Therefore, many recommend buying a policy in your 20s if possible, even if you feel that you don’t “need” it at the time.

The Bottom Line

The decision to buy life insurance is an important one. Before committing to a policy, make sure you do your homework, read your insurance contract carefully, and understand all of its provisions. While losing or never buying life insurance may not ruin your life, it will certainly hurt the people you’re buying it to protect.

Credits: BARRY HIGGINS

Date: July 04, 2022

Source: https://www.investopedia.com/articles/pf/08/five-insurance-mistakes.asp

#areteautomation #lifehealthadvisors #bestforhealth #healthtips #knowledge

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architectnews · 3 years ago

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New ISO standard will create international guidelines for carbon-neutral buildings and products

The International Organization for Standardization is developing a global standard that will allow architects and designers to certify their buildings and products as carbon neutral.

Due to be published next year, the new ISO standard will for the first time provide an internationally recognised benchmark for carbon neutrality.

It aims to clear up confusion over what the term means and how it differs from the more onerous net-zero standard.

"I'm working on an international standard that will explain to organisations how they can achieve carbon neutrality and what they can claim about it," said Ian Byrne, who is chairing an international group of experts that will define the standard.

"It's attempting to come to a common definition that isn't the lowest common denominator."

Projects claiming to be carbon neutral such as 3XN's extension to Hotel GSH on Bornholm island (top) and the No Footprint House in Costa Rica (above) will be able to apply for ISO certification

Byrne, who is principal at Ian Byrne Energy & Carbon Consultancy Services, added that the standard will be "probably rather stronger than what is out there in the market."

The International Organization for Standardization is an independent, non-governmental body that brings together standards organisations from 165 member countries.

The ISO standard will build on the British Standards Institution's PAS 2060 standard, which is currently the most widely recognised benchmark.

Confusion leads to "carbon washing"

It will provide guidelines for determining the carbon impact of projects and define the kinds of offsets that will be allowable to compensate for emissions.

Confusion over the meaning of carbon neutrality has led to numerous examples of "carbon washing" whereby companies make unsubstantiated claims about the carbon footprint of their products and buildings.

Both net-zero and carbon neutrality involve reducing emissions as far as possible and then offsetting the remainder.

Yet the two terms often get confused, with The Carbon Trust admitting earlier this year that explaining the difference is "a challenge".

Carbon neutrality is "on the path" to net-zero

Under net-zero, which is the benchmark standard in the race to tackle climate change, offsets must actively remove greenhouse gases from the atmosphere. This can be done via methods such as afforestation and carbon capture and storage.

"Put simply, net-zero means we are not adding new emissions to the atmosphere," says the United Nations, which is coordinating the global Race to Zero campaign.

"Emissions will continue, but will be balanced by absorbing an equivalent amount from the atmosphere."

In addition, net-zero can only apply to organisations and entities such as cities and countries rather than individual products or buildings.

Byrne said that net-zero is "well and good, but for most organisations, net-zero is not here now and is not likely to be here before 2030 or 2035."

"And that's where carbon neutrality tends to come in because carbon neutrality says that you should be on the path to net-zero," he said.

Details of ISO standard

Carbon neutrality, by contrast, is less demanding and allows offsets that do not remove atmospheric carbon. These include investing in renewable energy or buying carbon credits.

This means that, despite its name, carbon neutrality does in fact involve making a net contribution to atmospheric carbon.

Tech giant Google admitted this to Dezeen recently, when questioned on its own claims to carbon neutrality.

The company claims to have been carbon neutral since 2007 but has in fact emitted around 20 million tonnes of carbon since then.

Robin Bass, real estate and workplace services sustainability programs at Google, said that "carbon neutrality still allows you to emit."

Byrne's ISO group has yet to decide whether the new standard will cover emissions for the entire lifecycle of a building or product.

The discussion we're still having is whether you do it from cradle to [factory] gate or cradle to grave, or maybe even an intermediate level where it's for the cradle to consumer," Byrne said.

ISO standard will clear up confusion over timber

The standard will attempt to clear up confusion over whether timber can be considered a carbon-negative material.

Currently, many architects claim that the carbon contained in timber can be deducted from emissions created elsewhere in the supply chain.

Byrne said it was likely the new standard will not allow this. "What you can't do is deduct the carbon locked up or embodied in the timber," he said.

Projects will have to prove that the timber they have used will be regrown in order for it to count as a carbon-negative material, Byrne said.

Forestation projects will have to demonstrate longevity to ensure that harvested timber is regrown, with Byrne suggesting that a 100-year timeframe could be likely.

"I know some people [on the working group] are pushing for 1,000 years to make it pretty strong," he said. "You don't want something that's just going to go quickly back into the carbon cycle again," he said.

Unless managed properly over a long timeframe, it is hard to guarantee that commercial forestry results in long-term sequestration of carbon since the timber can rot, burn or end up in landfill.

"You have to be certain that it's not going to flow back into the system," Byrne said.

The post New ISO standard will create international guidelines for carbon-neutral buildings and products appeared first on Dezeen.

#Architecture – Dezeen

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