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    Corporate Gifts: Give the Gift of Beauty
    The holiday season is upon us again, and around this time many business owners and managers are planning on what to give their clients, partners, and employees. The ideal gift is also a representation of the gift giver.Americans now are working longer hours and taking shorter vacations. A great gift will allow them to pamper themselves. Beauty & Grooming baskets have become the gift of choice, but how do you know which ones to pick?There are four attributes one should search for in a corporate beauty gift:1.Quality: Look for baskets that contain high-end brand names, or products which have been featured in fashion and beauty publications. These brands usually contain higher quality ingredients and are in high demand.2.Aesthetically Pleasing: The products should be of spa quality, and they should be pleasant to the senses: Scented showergels, rich, creamy body creams, and silky smooth shaving creams not only feel great, but smell wonderful.3.Useful: The products should be useful. Not many people necessarily use a bubble bath. For example, if most of your employees live in small apartments in Manhattan, chances are that they have a stand-up shower and a bubble bath cannot be used. Body scrubs & rich body butters are always useful for women. For men, a nice razor and good quality shave cream are always practical.4.Tailored to Needs: Look for a company or service which will tailor baskets to your recipients needs. For example, you might have a different
    around in a daze, acutely traumatized.”

    The terrorist attacks also had an acute effect on Paul K. Carlton, M.D., the director of Homeland Security at Texas A&M Health Science Center who believes disaster medicine should be a board-certified specialty like General Surgery. As the surgeon general of the Air Force, he had been practicing disaster training with medical students three months before a commercial jet hit the Pentagon. His group had, eerily enough, come up with a similar disaster scenario to practice, only they imagined an aircraft having an unsuccessful take off or landing, resulting in a crash into the Pentagon. In their exercises, they did quite poorly, admits Carlton, but because of the drills, on September 11, when Dr. Carlton rushed into the Pentagon as a first-responder, he and his team were understandably pleased by their performance. He led a rescue group into part of the building where the landing gear had impacted and they managed to pull three people to safety, “and we all got out alive.” No small feat, since Dr. Carlton himself caught on fire. That he’s alive at all

    California Auto Insurance - Simples Steps to Help Lower Your Auto Insurance Rates
    California auto insurance is compulsory for all drivers in the state. California is a tort state, which makes you financially responsible for injuries and damages in auto accidents. Maintain a good driving record with higher deductibles to arrive at affordable California auto insurance with sufficient coverage. Of course, other factors like number of miles driven each year, driving experience, etc. play prominent roles in deciding your insurance rates.What decides my financial responsibility?You can prove your financial responsibility in any one of the following ways: Have an automobile liability insurance policySurety bond for $35,000 from insurance company to do business in CaliforniaSelf-insurance certificate of DMV, if you own more than twenty-five vehiclesCash deposit with DMV for $35,000 What is the minimum coverage available?California auto insurance offers minimum liability insurance of $15,000 for physical injury or death per person per accident, $30,000 for all persons affected in an accident, and $5,000 for damages to property per accident. Your insurance coverage should have this minimum coverage; otherwise, you should provide alternative methods of paying for damages due to any accident. California law does not make other coverage like collision, comprehensive, medical payments, uninsured motorist, etc. compulsory.How you can acquire auto insurance?
    From earthquakes to wars to floods and hurricanes, the history of disaster medicine is replete with success and failure when it comes to the results of the physicians and nurses and medical administrators who assist during and in the aftermath of a crisis. And it’s a long history. “Really, when you look at where disaster medicine started, it goes back to the Civil War battlefields, and even pre-dating to Roman times,” says Gary M. Klein, M.D., MPH, MBA, who practices acute care medicine in Atlanta.

    As a general rule, it’s never been a lack of willingness of the medical profession to help as a tragedy unfolds, but their efficiency has sometimes been lacking, notably during some high-profile catastrophes in the last few years.

    As any student of history knows, for centuries physicians were mostly concerned with minimizing pain and suffering. Before the days of anesthesia, that often meant amputating a limb and hoping for the best, and because germs and proper hygiene were little understood, the doctor was often something of a walking disaster himself. But that began to change during the Napoleonic Wars. “The concept of triage was coined by, I believe, a French military physician with Napoleon, and then you had Clara Barton, during the American Civil War, creating the American Red Cross. All of that’s a part of disaster medicine, and then during each of the wars that the United States has been involved in, disaster medicine has been ramped forward,” says Captain James W. Terbush, MD, MPH, of the U.S. Navy Medical Corps, and a NORAD-USNORTHCOM Command Surgeon at Peterson Air Force Base in Colorado.

    Indeed. During the Napoleonic Wars, Dominique-Jean Larrey was a surgeon in the French emperor’s army, not only conceived of taking care of the wounded on the battlefield, he also created the concept of ambulances, collecting the wounded in horse-drawn wagons and taking them to military hospitals. Until that time, the wounded were generally cared for near the end of the day, or whenever the battle paused or ended. By the time the Civil War began, Clara Barton learned that many wounded soldiers were dying not from lack of attention, but the need for medical supplies, and she began her own organization to distribute medicine, bandages and other life-saving tools.

    The actual term disaster medicine began cropping up in the newspapers with some regularity during the 1950s when medical associations had begun to truly adopt the idea of anticipating a disaster. Colonel and physician Karl H. Houghton spoke to a convention of military surgeons in 1955, telling them, “You won’t have sufficient drugs or surgical materials to handle all the casualties and will have to decide rapidly and without hesitation who will receive this perhaps life-saving material. This is not always simple. Do you save the banker or the truck driver? Do you go right down the line of casualties taking them as they come, or do you pick out those individuals who might be the most valuable in terms of the rehabilitation period to come?” Meanwhile colonel and physician, Joseph R. Schaeffer, MD, imagined a massive nuclear attack. “We have 200,000 doctors to take care of 176,000,000 people in this country," he told a Texas hospital medical staff in 1959. “Therefore, the people must learn how to survive for themselves in case of an emergency.” Schaeffer lamented that so few Americans had any proper first aid instruction while Russia required its citizens to take 22 hours in first aid education—every year.

    As Cincinnati-based internist John Andrews, MD, who spent 20 years as a Commissioned Corps physician in the U.S. Public Health Service, artfully puts it: “It’s not just that the disasters seem to be coming more frequently, they’re more varied. In the old days, you had natural disasters like hurricanes, floods, tornadoes, and maybe occasionally a chemical spill. But now, somebody’s actually trying to make a disaster.”

    While the disaster climate of the last several years has had a profound impact on many laypeople, it has uniquely affected many doctors, who, of course, are prone to having their own opinions on preventing suffering and dying. Dr. Klein, who was a pharmaceutical executive in New York City when the 9-11 attacks occurred, spent around 24 hours at Ground Zero, initially insisting upon dealing “with the worried well,” people he describes as being “absolutely devastated, wandering around in a daze, acutely traumatized.”

    The terrorist attacks also had an acute effect on Paul K. Carlton, M.D., the director of Homeland Security at Texas A&M Health Science Center who believes disaster medicine should be a board-certified specialty like General Surgery. As the surgeon general of the Air Force, he had been practicing disaster training with medical students three months before a commercial jet hit the Pentagon. His group had, eerily enough, come up with a similar disaster scenario to practice, only they imagined an aircraft having an unsuccessful take off or landing, resulting in a crash into the Pentagon. In their exercises, they did quite poorly, admits Carlton, but because of the drills, on September 11, when Dr. Carlton rushed into the Pentagon as a first-responder, he and his team were understandably pleased by their performance. He led a rescue group into part of the building where the landing gear had impacted and they managed to pull three people to safety, “and we all got out alive.” No small feat, since Dr. Carlton himself caught on fire. That he’s alive at all i

    Mortgage Application Refused - Understanding And Successfully Planning For A Brighter Outcome
    Mortgage Denial - The Facts you Need To Know To SucceedOften, when your lender scrutinizes your loan application for a new home or piece of property so thoroughly that it is finally turned down, it can be very distressing. If this happens, you should be able to understand just why such a decision was taken and do what you can to remedy the situation. The causes for rejection given below will help you understand just why it happens to some people.Causes for rejection:There is a term called LTV, and this means that the appraised value of the property you want to purchase is much lower than the purchase price or loan-to-value ratio.Or it may be just the case that the LTV is just too high for the lender to approve. He may be restricted to a certain ratio and there is nothing he can do about it. Maybe you have applied for 90-95% of the buying price as the loan amount. This will result in a low appraisal having the effect of making your request way too large for the lender.Another case is that if the price of the property is far higher than comparable properties in the area, then you need to ask the seller to reduce his price in line with the going rate for similar properties in the locality. Any new price negotiated should also be certain to be approved by your lender. If not, the only option open to you is to accept a smaller loan and pay the shortfall from personal funds.Just not enough personal finances to complete the deal. In this case the lender may decid
    Napoleonic Wars. “The concept of triage was coined by, I believe, a French military physician with Napoleon, and then you had Clara Barton, during the American Civil War, creating the American Red Cross. All of that’s a part of disaster medicine, and then during each of the wars that the United States has been involved in, disaster medicine has been ramped forward,” says Captain James W. Terbush, MD, MPH, of the U.S. Navy Medical Corps, and a NORAD-USNORTHCOM Command Surgeon at Peterson Air Force Base in Colorado.

    Indeed. During the Napoleonic Wars, Dominique-Jean Larrey was a surgeon in the French emperor’s army, not only conceived of taking care of the wounded on the battlefield, he also created the concept of ambulances, collecting the wounded in horse-drawn wagons and taking them to military hospitals. Until that time, the wounded were generally cared for near the end of the day, or whenever the battle paused or ended. By the time the Civil War began, Clara Barton learned that many wounded soldiers were dying not from lack of attention, but the need for medical supplies, and she began her own organization to distribute medicine, bandages and other life-saving tools.

    The actual term disaster medicine began cropping up in the newspapers with some regularity during the 1950s when medical associations had begun to truly adopt the idea of anticipating a disaster. Colonel and physician Karl H. Houghton spoke to a convention of military surgeons in 1955, telling them, “You won’t have sufficient drugs or surgical materials to handle all the casualties and will have to decide rapidly and without hesitation who will receive this perhaps life-saving material. This is not always simple. Do you save the banker or the truck driver? Do you go right down the line of casualties taking them as they come, or do you pick out those individuals who might be the most valuable in terms of the rehabilitation period to come?” Meanwhile colonel and physician, Joseph R. Schaeffer, MD, imagined a massive nuclear attack. “We have 200,000 doctors to take care of 176,000,000 people in this country," he told a Texas hospital medical staff in 1959. “Therefore, the people must learn how to survive for themselves in case of an emergency.” Schaeffer lamented that so few Americans had any proper first aid instruction while Russia required its citizens to take 22 hours in first aid education—every year.

    As Cincinnati-based internist John Andrews, MD, who spent 20 years as a Commissioned Corps physician in the U.S. Public Health Service, artfully puts it: “It’s not just that the disasters seem to be coming more frequently, they’re more varied. In the old days, you had natural disasters like hurricanes, floods, tornadoes, and maybe occasionally a chemical spill. But now, somebody’s actually trying to make a disaster.”

    While the disaster climate of the last several years has had a profound impact on many laypeople, it has uniquely affected many doctors, who, of course, are prone to having their own opinions on preventing suffering and dying. Dr. Klein, who was a pharmaceutical executive in New York City when the 9-11 attacks occurred, spent around 24 hours at Ground Zero, initially insisting upon dealing “with the worried well,” people he describes as being “absolutely devastated, wandering around in a daze, acutely traumatized.”

    The terrorist attacks also had an acute effect on Paul K. Carlton, M.D., the director of Homeland Security at Texas A&M Health Science Center who believes disaster medicine should be a board-certified specialty like General Surgery. As the surgeon general of the Air Force, he had been practicing disaster training with medical students three months before a commercial jet hit the Pentagon. His group had, eerily enough, come up with a similar disaster scenario to practice, only they imagined an aircraft having an unsuccessful take off or landing, resulting in a crash into the Pentagon. In their exercises, they did quite poorly, admits Carlton, but because of the drills, on September 11, when Dr. Carlton rushed into the Pentagon as a first-responder, he and his team were understandably pleased by their performance. He led a rescue group into part of the building where the landing gear had impacted and they managed to pull three people to safety, “and we all got out alive.” No small feat, since Dr. Carlton himself caught on fire. That he’s alive at all

    Does A Compulsive Gambler Really Want To Stop Gambling?
    This question most gamblers ask themselves when they begin to realize gambling has affected their lives.Most gamblers intent is not to lose all their money, but rather to win big and buy all those materialist items they have always dreamed of. Gamblers are not selfish people; in fact they enjoy buying things for their family and friends.Compulsive gamblers live their lives to just place one more bet. It doesn’t matter if a compulsive gambler is up five thousand dollars, they will still gamble until they lost all the money they came with. This is reality for a compulsive gambler. At the time they finally win, their ego’s sore like a bird in flight. For that very instant they feel like their on top of the world. For them there is no other way they can get that euphoric feeling. This is what keeps a compulsive gambler from really wanting to stop gambling.When a compulsive gambler realizes that they are always losing there money reality sets in. They then question themselves. “Do I really want to stop gambling? They decide yes I want to stop gambling. They are feeling good about there decision. They finally made the decision to stop. The next day comes and goes. The compulsive gambler is feeling good about them selves. All of sudden they get a call from a friend. Next thing you know you’re in the car headed to meet them at the gambling establishment. You now realize you didn’t stop gambling. You then play games with your mind, telling yourself “just one mo
    her own organization to distribute medicine, bandages and other life-saving tools.

    The actual term disaster medicine began cropping up in the newspapers with some regularity during the 1950s when medical associations had begun to truly adopt the idea of anticipating a disaster. Colonel and physician Karl H. Houghton spoke to a convention of military surgeons in 1955, telling them, “You won’t have sufficient drugs or surgical materials to handle all the casualties and will have to decide rapidly and without hesitation who will receive this perhaps life-saving material. This is not always simple. Do you save the banker or the truck driver? Do you go right down the line of casualties taking them as they come, or do you pick out those individuals who might be the most valuable in terms of the rehabilitation period to come?” Meanwhile colonel and physician, Joseph R. Schaeffer, MD, imagined a massive nuclear attack. “We have 200,000 doctors to take care of 176,000,000 people in this country," he told a Texas hospital medical staff in 1959. “Therefore, the people must learn how to survive for themselves in case of an emergency.” Schaeffer lamented that so few Americans had any proper first aid instruction while Russia required its citizens to take 22 hours in first aid education—every year.

    As Cincinnati-based internist John Andrews, MD, who spent 20 years as a Commissioned Corps physician in the U.S. Public Health Service, artfully puts it: “It’s not just that the disasters seem to be coming more frequently, they’re more varied. In the old days, you had natural disasters like hurricanes, floods, tornadoes, and maybe occasionally a chemical spill. But now, somebody’s actually trying to make a disaster.”

    While the disaster climate of the last several years has had a profound impact on many laypeople, it has uniquely affected many doctors, who, of course, are prone to having their own opinions on preventing suffering and dying. Dr. Klein, who was a pharmaceutical executive in New York City when the 9-11 attacks occurred, spent around 24 hours at Ground Zero, initially insisting upon dealing “with the worried well,” people he describes as being “absolutely devastated, wandering around in a daze, acutely traumatized.”

    The terrorist attacks also had an acute effect on Paul K. Carlton, M.D., the director of Homeland Security at Texas A&M Health Science Center who believes disaster medicine should be a board-certified specialty like General Surgery. As the surgeon general of the Air Force, he had been practicing disaster training with medical students three months before a commercial jet hit the Pentagon. His group had, eerily enough, come up with a similar disaster scenario to practice, only they imagined an aircraft having an unsuccessful take off or landing, resulting in a crash into the Pentagon. In their exercises, they did quite poorly, admits Carlton, but because of the drills, on September 11, when Dr. Carlton rushed into the Pentagon as a first-responder, he and his team were understandably pleased by their performance. He led a rescue group into part of the building where the landing gear had impacted and they managed to pull three people to safety, “and we all got out alive.” No small feat, since Dr. Carlton himself caught on fire. That he’s alive at all

    Writing Your Book--How to Find the Time to Write
    Let’s face a couple of facts: 1. Writing a book will take a chunk of time and energy. 2. Your life is already full, and you have no extra time.Given these two facts, how can you make the time to write the book you have inside your head, the book that’s been calling to you to write for months or even years?1. First, get in touch with that deep desire within you to write and publish a book. Envision as clearly as you can what it will be like to have a finished, published book in your hands. The title encapsulates just what you want the world to know. You name is on that book. It is bound, with a beautiful cover, and a publisher’s name on the spine, along with your own.You’re a published author. What is this going to do for you? Win you the respect and admiration of friends, colleagues, and family? Increase your business by your new position as expert? Allow you to approach people you never could before, by sending them your book? Enable you to name a much higher fee the next time you’re asked to speak, and to have something to sell in the back of the room?Whatever you want from your book, imagine it vividly. Then write it down. This is a most important pre-writing exercise. This desire is what will fuel your ability to keep on going even when the going gets tough. Review this document any time you feel your motivation sagging. Or, better yet, review it every day.2. Prune and prioritize. You may have to make some tough decisions. If your life is
    emselves in case of an emergency.” Schaeffer lamented that so few Americans had any proper first aid instruction while Russia required its citizens to take 22 hours in first aid education—every year.

    As Cincinnati-based internist John Andrews, MD, who spent 20 years as a Commissioned Corps physician in the U.S. Public Health Service, artfully puts it: “It’s not just that the disasters seem to be coming more frequently, they’re more varied. In the old days, you had natural disasters like hurricanes, floods, tornadoes, and maybe occasionally a chemical spill. But now, somebody’s actually trying to make a disaster.”

    While the disaster climate of the last several years has had a profound impact on many laypeople, it has uniquely affected many doctors, who, of course, are prone to having their own opinions on preventing suffering and dying. Dr. Klein, who was a pharmaceutical executive in New York City when the 9-11 attacks occurred, spent around 24 hours at Ground Zero, initially insisting upon dealing “with the worried well,” people he describes as being “absolutely devastated, wandering around in a daze, acutely traumatized.”

    The terrorist attacks also had an acute effect on Paul K. Carlton, M.D., the director of Homeland Security at Texas A&M Health Science Center who believes disaster medicine should be a board-certified specialty like General Surgery. As the surgeon general of the Air Force, he had been practicing disaster training with medical students three months before a commercial jet hit the Pentagon. His group had, eerily enough, come up with a similar disaster scenario to practice, only they imagined an aircraft having an unsuccessful take off or landing, resulting in a crash into the Pentagon. In their exercises, they did quite poorly, admits Carlton, but because of the drills, on September 11, when Dr. Carlton rushed into the Pentagon as a first-responder, he and his team were understandably pleased by their performance. He led a rescue group into part of the building where the landing gear had impacted and they managed to pull three people to safety, “and we all got out alive.” No small feat, since Dr. Carlton himself caught on fire. That he’s alive at all

    Mortgage Borrowers are Feeling the Squeeze
    An increasing number of mortgage borrowers are starting to feel a bit of pressure.The pressure is coming from both the application side of lending, where some lenders are employing harder approval standards, and on the payment side, where homeowners are getting jittery about increased interest rates on their adjustable-rate mortgages.When it comes to approvals, home mortgages in the easily approved category accounted for 66.6% of mortgages in the last six months. The percentage is down by 68% when compared to the previous six months.A recent survey conducted by Roper for TransUnion showed that 27% of homeowners believe that rising interest rates will make it hard for them to pay their mortgages."When deciding whether or not to make a home loan, lenders looks at the borrower's finances and at the security for the loan, namely the home itself. They're not going to provide financing even to the most qualified of households if the property itself appears to be overvalued and in a shaky neighborhood," said Mike Ela, president of HomeSmartReports.The uncertainty in the housing industry is evident everywhere. In Michigan, only 43.3% of mortgages are easily approved, down from 50.5%. Louisiana's easily approved category dropped from 67.4% to 58.2%.Hawaii's easily approved category fell from 83.9% to 75.4%, while Florida fell to 55.6% from 60.6%.TransUnion's report also showed that rising interest rates could result in 23% of homeowners refinancing. S
    around in a daze, acutely traumatized.”

    The terrorist attacks also had an acute effect on Paul K. Carlton, M.D., the director of Homeland Security at Texas A&M Health Science Center who believes disaster medicine should be a board-certified specialty like General Surgery. As the surgeon general of the Air Force, he had been practicing disaster training with medical students three months before a commercial jet hit the Pentagon. His group had, eerily enough, come up with a similar disaster scenario to practice, only they imagined an aircraft having an unsuccessful take off or landing, resulting in a crash into the Pentagon. In their exercises, they did quite poorly, admits Carlton, but because of the drills, on September 11, when Dr. Carlton rushed into the Pentagon as a first-responder, he and his team were understandably pleased by their performance. He led a rescue group into part of the building where the landing gear had impacted and they managed to pull three people to safety, “and we all got out alive.” No small feat, since Dr. Carlton himself caught on fire. That he’s alive at all is at least partially due to the fire-retardant vest he was wearing.

    For Dr. Philip Merideth, M.D., J.D., a psychiatrist in Jackson, Mississippi, his evolution in thinking came after Hurricane Katrina. He spent two weekends in Mississippi and Louisiana, doing what he could, prescribing medicine and simply listening to people pour out their grief. “Everyone had a story of what happened in the hurricane, and they wanted to tell it,” says Merideth, who offers one chilling example—talking to a little boy who had been the only survivor of his household, and that had been because he swam out the second story window.

    In the last several years, as disasters have seemed to be on the increase, careers have been created and defined, government plans were put into action, and first-responders such as police and firefighters began crafting ideas for effectively handling disasters. In 2003, infectious disease specialist Robert Cox MD of Englewood, Colorado, had just started his company, Bioforecasts, intending to speak to medical and non-medical organizations about what society’s future health and longevity might be like. However, he has since expanded his talk to include disaster medicine topics, like bioterrorism and how to inoculate your business against the avian (bird) flu.

    “I had been thinking about those topics from the beginning,” says Dr. Cox, “but after awhile, there was no way I couldn’t not discuss them.” That’s how everyone seems to feel.

    Much of what needs to be taught is a mindset, says Dr. Carlton, who cites an example of a suicide bomber who attacked a cafeteria on an American military base in Mosul, Iraq. “The kids there had a small team, where they did nine operations in the operating room and 10 in the hallway. That’s the kind of Plan B operation that stands us in good stead when we need it. Our medical students need to realize that we’re not always going to have the technology they’ve become accustomed to. I think of Hurricane Katrina, where a woman was in labor, and all of the lights went out. The doctors performed a C-section—by flashlight. It’s not an ideal circumstance, but they did a beautiful job.”

    Physicians are addressing the topic on blogs and are forming groups like the Texas Medical Rangers, which aims to respond to natural disasters and weapons of mass destruction attacks inside Texas. In Washington state, Robert Cross, M.D. is a 77-year-old retired physician, who for several years has been toiling to create an organization of retired doctors who will respond to disasters in his home state. He, like many doctors, wanted to do something constructive in the wake of the terrorist attacks. Suddenly, he realized just how shortsighted the medical community had been in closing hospitals left and right due to the advent of outpatient care centers. “In any disaster, surge capacity is a common problem in the hospitals,” says Cross, knowing that while he may not be able to replace the hospital buildings, he can call upon a cadre of newly trained retired physicians and nurses on call to help the state when needed.

    In the midst of all of this change, what once seemed improbable now seems inevitable: the creation of a medical board of certification in disaster medicine. It’s an idea being championed by the American Board of Physician Specialties.

    Nodding in approval is Dr. Andrews, board certified in internal, preventive and occupational medicine. “Most of us have many patients in a day, but we don’t handle a disaster, say, once a week. They come every so often, and to be trained in disaster medicine, and updated, I think is a neat idea.”

    And necessary, says F. Matthew Milhelic, M.D., who is an assistant professor at the Center for Homeland Security Studies at the University of Tennessee’s Graduate School of Medicine. “I think the way that this board has proposed this idea, making it an inclusive board, will do two things—raise the level of competency among physicians to deal with problems in a disaster, and it will also raise awareness across the medical community for the need of preparedness… and I think this board is looking at disaster medicine as much broader than just a brief medical response over a short period of time, and that all medical providers, all medical disciplines, specialties, subspecialties, and so on, will have a role in any major disaster.”

    “The majority of physicians are in primary care,

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