Diagnosis Is First Step in Improving Quality of Life for Those With Common Bleeding Disorder

As a little girl, Kristin Prior came to view what others may have seen as out of the ordinary as normal: The slightest tap or bump would result in a severe bruise, and nosebleeds came often and without warning. As a teenager and into adulthood, Kristin’s menstrual periods would be long, heavy and burdensome. Often, these symptoms kept her from taking part in activities with friends and family or left her worried about what she might encounter when she did.

Minimize Retirement Risk With Permanent Life Insurance

(NewsUSA) – With persistent economic uncertainty, retirement worries plague many Americans. Instead of dreaming about their golden years, workers may be haunted by the possibility of a retirement where the idea of not having enough money may not be hyperbole. Consumers are looking to diminish risk and take control. A financial professional will tailor a plan to fit an individual’s own financial goals, but permanent life insurance should be a part of any diversified retirement strategy and can offer security and growth for those with a number of working years ahead.Permanent life insurance offers death protection as well as the potential for cash value accumulation, which can be an important source of retirement income. As the value of a permanent policy grows tax deferred over time, the cash may be used for any purpose.* This kind of life insurance offers a measure of flexibility that enables consumers to make choices and better manage their financial lives and can augment other income sources like Social Security, 401k savings or pensions for those lucky enough to have them.The income stream from a permanent life insurance policy may also help cover the "gap years," which fall between retirement and the age when Medicare and Social Security benefits begin. Most retirees will need the guidance of a financial professional to determine the best use of resources during the gap period and throughout retirement. However, consumers should know that a permanent insurance policy could be the difference between retirement at an age you desire instead of when Social Security and qualified plan distributions start. This additional resource may also enable a retiree to delay the start of Social Security payments, which will ultimately deliver larger monthly sums over time.In addition to assisting with bridging the gap years, a permanent insurance policy may help cover unexpected or planned expenses from healthcare costs, to paying for a grandchild’s college education, to contributing to the start-up of a family business.No matter how permanent insurance is ultimately used, if structured properly, a policy can provide an income tax- and estate tax-free death benefit. Retirees can then spend their retirement income knowing they will still leave a legacy to their children or a favorite charity.To learn more about how to leave a legacy and strengthen your retirement plan with permanent life insurance, please visit www.pennmutual.com.       *Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values.

After the Games, Olympic Venue City Comes to Life

Five words or less(NewsUSA) – Nearly 3 billion people watched the 2010 Olympic Winter Games on television. Those who tuned into the long track speed skating competition received what was probably their first view of Richmond, British Columbia, the city that hosted the competition in its Richmond Olympic Oval.
But as visitors to the games can attest, there’s more to Richmond than the Richmond Olympic Oval. The Games gave visitors a chance to discover a unique city with plenty of dining, shopping and multicultural attractions — and more are following in their stead. The city is fast becoming a growing tourist destination with a variety of activities for all ages and abilities.
Richmond, which is located where the Pacific Ocean and the Fraser River meet, is home to the Vancouver International Airport (YVR), a vibrant city center and the new Canada Line rapid transit system, which connects visitors to Richmond and Vancouver in under 25 minutes.
The city offers attractions all its own. Richmond’s 65 percent Asian population results in one of the most authentic Asian food scenes in North America. On Alexandra Street, which is known colloquially as “Food Street,” visitors can enjoy dim sum, as well as Cantonese, Szechuan, Shanghainese, Northern Chinese, Thai, Vietnamese and Malaysian cuisine. Richmond has over 375 Asian restaurants and three modern Hong Kong-style malls, where a day of shopping can include a tea ceremony and karoake.
History buffs won’t want to miss picturesque Steveston Village. The historic fishing village has two national heritage sites, as well as London Heritage Farm, which recreates life in Steveston from 1880 to 1930 with furniture, clothing, quilts, farm implements and a garden. Today, Steveston houses the largest commercial fishing fleet in Canada, not to mention boutiques, views and local seafood. Animal lovers should book a whale-watching tour to see orcas, as well as seals, sea lions and porpoises.
There are opportunities for recreation as well. In the months following the Olympics, the city transformed the Richmond Olympic Oval into a sports and wellness facility, where families can take a walking tour or get involved in other activites. Visitors can also enjoy 1,500 acres of parks and open spaces, including 80 kilometers of interconnecting dike trails, cycling routes and walkways.
For more information, visit www.allinrichmond.com.

Snoring Warrants More Than Earplugs

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<p>(<a href=NewsUSA) – Many couples accept snoring as an inevitable part of nightly life. But snoring warrants more than shrugging your shoulders and buying ear plugs — snoring may indicate serious health problems.

Snoring happens when the soft tissues in the back of your throat relax, so they vibrate as you breathe. If those tissues get too relaxed, they can actually block your airway, cutting off your breathing.

This condition, called “obstructive sleep apnea,” prevents quality sleep. The brain, not wanting to starve from lack of oxygen, wakes patients when they stop breathing, sometimes hundreds of times per night. According to the American Board of Internal Medicine, 50 to 60 percent of those who snore have sleep apnea.

Most patients are unaware of the problem, because they don’t remember waking up throughout the night. For this reason, it’s important to speak to a doctor if you experience loud snoring, excessive daytime sleepiness, difficulty concentrating, sore throat or high blood pressure.

Risk factors for sleep apnea include being male, being overweight, drinking alcohol and having a large neck or a history of nasal problems. The American Sleep Apnea Association provides a quiz that can help you determine your “Snore Score,” or the likelihood that you have sleep apnea. You can take the quiz at www.sleepapnea.org.

Obstructive sleep apnea isn’t just annoying. When you stop breathing, your heart beats faster, raising your blood pressure and increasing your chances of heart attack and stroke. Insufficient sleep can affect your job performance and ability to perform basic functions, like driving a car.

There are treatments for sleep apnea, ranging from simple lifestyle changes to breathing machines to surgery. Speaking to your doctor about snoring will not only improve your quality of life — it may help your partner get a good night’s rest, too.

For more information, visit www.sleepapnea.org.

Publish a Book to Support Your Cause

It’s common for celebrities who experience tragedy and want to help others to have a book published by a traditional publisher. But now, “everyday people” can do the same thing. The power of publishing has truly gone public.

Thanks to continuing advancements in digital technology and print-on-demand resources, more people who want to make others aware of a worthy cause can have a professionally published book.

Balancing Housework And Your Baby

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<p>(<a href=NewsUSA) – Babies need constant attention — they require constant feedings and diaper changes, and they require them at all hours. Tending to a baby is a full-time job, so it’s no big surprise when dishes start piling up and you’re running out of clean baby bibs.

Still, a clutter-free home can make your life feel just a little less hectic. Here are some tips for new parents hoping to keep their homes clean and organized while caring for their baby:

– Declutter. Less clutter in your home will help you keep your sanity. Get your partner or a friend to help you sort through, store or get rid of things you no longer need. Having fewer objects in the house means fewer items to be dusted, wiped, polished, picked up and rearranged.

– Invest in a sling. With your baby in a sling or other carrier, your hands will be free to fold laundry, dust and vacuum. As the baby gets older and you are able to do more activities outside of the house, the sling will also help you carry your baby through stores and other areas.

– Let products make your life easier. Some products help simplify routine household tasks. For example, Pak-It (www.pakit.com) water-soluble liquid packets deliver concentrated glass cleaner, disinfectant, and multi-purpose cleaning products, such as those for floors, kitchens, bathrooms and laundry. Pak-It products come prepackaged in biodegradable packets -; users simply put the packet in water. A busy mom, for example, can toss Pak-It Laundry Detergent directly into the laundry machine while still holding her baby.

– Take advantage of naps. It’s certainly okay to sneak in a few chores while your baby sleeps. But if you’re exhausted, listen to your body and use the time to catch a few winks yourself.

– Don’t stress out too much. Twenty years from now, what will you regret more — letting laundry pile up or neglecting to spend enough time with your baby? Your health and the baby’s needs come first. Besides, if you think your home’s messy with a new baby, just imagine how it’s going to look with a teenager!

Bright Spot on Employment: Being a Life Insurance Agent May Be Right For You

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<p>(<a href=NewsUSA) – A Fortune 100 company is hiring in your community. Sound too good to be true? It’s true. While the national unemployment statistics have continued to rise, and the economic downturn continues to leave many Americans jobless, one company is reversing this trend across the country. New York Life Insurance Company is growing its business and recruiting.

Have you ever dreamed of earning a good living while creating your own work schedule and at the same time helping individuals and families in your community? Are you interested in pursuing a career where you are fairly compensated based on the hours and effort you put forth with unlimited potential for growth? As a life insurance agent you can do all of this while enjoying a stimulating career. Further, you will be in a position to help people realize their financial goals — whether that’s funding an education for one’s children, buying a home, or planning for retirement. Working with families to provide life insurance protection can be an extremely rewarding career, in addition to the income potential and flexibility it offers.

Becoming an agent is a great opportunity for recent college graduates, for those who are looking for a new professional challenge, or for those professional agents who may be looking to work for a company that’s stable and has the highest possible ratings for financial strength. Many of the most successful agents previously were employed as nurses, teachers, coaches or entrepreneurs involved in other business ventures. It’s also an extremely attractive career for women, and the number of women selling insurance is rapidly growing.

As an agent for New York Life, you are eligible for generous benefits, will receive comprehensive training and can pursue a fulfilling profession. You will be proudly affiliated with the largest mutual life insurance company in the United States; a company known for its humanity, integrity and financial strength. Contact New York Life today to find out if a career as a life insurance agent is right for you or someone you know. Visit www.newyorklife.com, or write to New York Life Insurance Company, 51 Madison Ave., New York, N.Y., 10010, for more information.

Accomplish More By Doing Less

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<p>(<a href=NewsUSA) – You work hard. You arrive early at the office and leave late. At home, you continue to work by Blackberry or laptop. And yet, you watch others rise around you while your career stays stagnant. What’s the problem?

According to Darren Hardy, editor of SUCCESS Magazine, you may be able to accomplish more if you start doing less. “This behavior of constant busyness can actually take you off course from your high-value goals; tax your physical, psychological and emotional system; and even damage or destroy relationships,” writes Hardy in the October issue of SUCCESS Magazine.

Superachievers actually work less than many others — but they accomplish far more in a smaller amount of time. So, instead of filling every waking moment with work, concentrate on becoming less busy, yet more productive.

Hardy offers the following tips for Americans hoping to make the most of their time:

– Stop doing the time-wasters. You need to figure out what you can stop doing in order to make room for the activities that will lead to success. “The only way you can gain more time is to stop doing something,” says Hardy.

– Put a junk filter on your life. Start filtering incoming requests — identify who and what is important before agreeing to activities and projects.

– Just say “no.” Don’t overcommit to please others. When you say “yes” to a request that does not further your objectives, you’re only saying “no” to yourself.

– Receive what you tolerate. In life, you get what you accept -; if you tolerate disrespect, others will disrespect you. Life will organize itself around the standards you set, so set high standards. Don’t tolerate time-wasters or unreasonable demands.

– Learn to delegate. If you empower others to execute your ideas, you can focus on the most important demands on your time.

– Learn to value time off. Taking time to enjoy yourself isn’t sloth, but a vital part of becoming more productive. Working without breaks will destroy your creativity. You will become tired, and thereby less productive. It’s far better to schedule some downtime, then go back to work feeling rejuvenated. “Time off is an important component of hard-core achievement and productivity,” says Hardy.

To read Darren Hardy’s full article, “Accomplish More By Doing Less,” and to receive more information about becoming successful in life, visit www.SUCCESS.com.

Keeping Calm in a Chaotic World

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<p>(<a href=NewsUSA) – Living with stress can limit your ability to take joy in life, not to mention hurt your health. According to the Mayo Clinic, stress can cause headaches, insomnia, high blood pressure and decreased immunity, among other problems.

But completely removing stress just isn’t possible, especially in today’s slow economy. An American Psychological Association poll from September 2008 revealed that 80 percent of Americans felt stress due to the economy — and the numbers have no doubt gone up since then.

“If you haven’t lost your job, your home, or your savings, you’re probably worried that it could happen, and you’re concerned for those of your friends who have been so devastated,” writes Dr. David Jeremiah, the pastor of Shadow Mountain Community Church, in his new book, “Living with Confidence in a Chaotic World: What on Earth Should We Do Now?”

The key isn’t to avoid stress, but to learn to cope with the pressures you must face. You can’t control what happens in the world, but you can control your response to events.

Dr. Jeremiah recommends that stressed-out Americans calm themselves and focus on the positives in their lives. “Calm,” he says, “is an interesting word that is known more for what it is not: agitation, fear, or turbulence. But ‘calm’ does require some kind of storm, or we would never notice it.”

Use this turbulent time to re-evaluate your life and focus on what’s most important to you. Look at your relationships. Attempt to change what you can and accept what you cannot.

Try some proven techniques and activities that can help you find peace and calm:

– Praying/journaling

– Seeking healthy relationships

– Focusing on constructive behavior

– Scheduling downtime

– Determining to be content

Dr. Jeremiah’s book, “Living with Confidence in a Chaotic World: What on Earth Should We Do Now?” offers more advice for Americans hoping to find peace during stressful times. For more information, visit www.thomasnelson.com.

Tips to Think Positive in Tough Times

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<p>(<a href=NewsUSA) – In today’s tough economic climate, it’s easy to feel dissatisfied with your life — your job’s awful, bills are piling up, you’re barely home to see your kids and you can’t see an end in sight. But, as hard as it is, you need to let those negative thoughts go.

Johnna Parr, network marketer and author of the book, “When the Dream is Big Enough,” says, “If you focus on all the things that are wrong, you’re destined to stay there.”

Parr should know — she struggled for years until a fundamental change in her thinking led her to personal and professional success. “The more I focused on my blessings, the more blessings came my way.”

Of course, breaking an old thought pattern is never easy, even in the best of times. Those who find themselves unable to afford things they once took for granted may wonder exactly what’s so blessed about their current situation. But finding the positives in your life will send more your way. Parr shares some tips to change your frame of mind:

– Go ahead — write a list detailing everything you hate in your life. Let’s say you wrote, “In credit card debt” and “I don’t have enough money.” Now turn those things around. For example, put a line through “In credit card debt” and write, “Bills are paid” in its place. Instead of “I don’t have enough money,” write, “I have enough money to do everything that I want.” Concentrate on your new statements — these are the thoughts you need to focus on if you want to change your life.

– Always have a big dream. Concentrating on a goal will help give your life purpose, preventing you from falling into ruts. Parr suggests creating “a dream board” — a board with visual aids showing what you want to accomplish. But simply writing your goals down isn’t enough. Whenever you look at your dream board, try to think of your dreams not as wishes, but as expectations. If you expect to accomplish a goal, you will.

– Forget the past. You can’t change actions you’ve already taken, but you can proceed without allowing past failures to hinder new accomplishments. Don’t focus on current problems, but on current possibilities. “No matter how many setbacks you have suffered, no matter who or what has tried to stop your progress, today is a new day,” says Parr.

To get more advice from Johnna Parr or to learn about her book, visit the Web site www.johnnaparr.com.