Long-term health care crisis: Looking eastward

Americans who took the Harris Interactive/HealthDay survey. First, two-thirds are anxious about long-term health care costs. Second, most are unaware of which costs are covered and how insurance (and Obamacare) fits into the puzzle.

According to the survey, one-half of respondents were under the assumption that the majority of long-term health care costs were the responsibility of the patient. About one-third thought Medicare covered the tab. Evidently, just shy of one-fifth of the surveyors actually understood that the principal funder is Medicaid. To compound issues, most people do not realize that Medicaid won’t even kick in until patients’ assets have been drained enough to qualify for assistance.

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Looming danger awaits
“One thing most people agree on: as America ages, the problem of how to pay for seniors’ long-term care will only get worse.” Almost 90 percent of respondents referred to the situation as “serious” or “somewhat serious.” There are currently about 12 million Americans in some form of long-term care and that is expected to double by 2030.

Looking ahead: sneaking a peak at China
If Americans were wise, we’d keep a keen eye out to see how China is handling this situation. Bloomberg just published an article last month explaining how China is emulating Western-care, as they struggle to manage the explosion of elderly citizens. By 2020, China is expected to have an improved service system covering daily tendance, medical care, psychological counseling and emergency aid. According to a circular issued by the State Council, or China’s cabinet, the emerging system will provide more than 10 million jobs

Looking to the East instead of the West
Instead of looking at the West for answers, research suggests China’s solution is in their backyard. An article published in the journal “Psychogeriatrics” outlines Japan’s National Long-Term Care insurance measure implemented over a decade ago. After evaluating Japan’s insurance scheme, which requires adults over 40 years old to contribute to compulsory monthly premiums – seemingly substantially less than private insurance premiums – researchers suggest the it could be the effective solution the world is looking for. By recruiting everyone over 40, Japan has successfully mitigated the personal burden associated with long-term care. In their article, Arit and Zait suggest that “the implication for other countries is that a system of burden sharing at the societal level may have a positive effect on reducing, and possibly preventing, the burden of care of ‘present day’ care-givers.” Subsequently, “such a system can get the general public accustomed to the idea of sharing the burden of caregiving before any individual actually needs assistance.”

Although, this is not seen only in Japan; Scandinavian countries are known for long-standing cultural patterns of shared responsibility, particularly Sweden. Finally, the Japanese insurance scheme has been shown to reduce – and even prevent – societal caregiver burden, and this primary prevention model can serve as an education tool to help people prepare for future long-term care needs.

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Winter Collection 2015

One of the most famous fashion designers of Pakistan Zahra Ahmad has launched Winter Collection 2015 for parties. She is including in top best brands who has been working for the success of our fashion industry. Since 1999 this collection has been getting success day by day among all modern girls. In the field of fashion designing she has got great fame because of her talent. Zahra’s Winter Collection is not only famous in Pakistan but also in other Asian countries. Because of her huge success and achievements she is getting positive response from her customers. She has a large number of outlets and textiles mills all over the world. Every year she presents a variety of stylish and elegant dresses for women.

This stunning winter collection 2015-2016 is perfect for all young girls and women. Some fancy dresses are also available which are specially made for events, weddings, parties, functions and other similar occasions. When you will visit its outlets then you will surely get inspire. These special outfits are fabulous, comfortable and eye.-catching. All these clothes are made with bright and brilliant colors such as black, maroon, red, white, brown, grey, blue, green, yellow, purple, pink, orange and many more. These fresh and vibrant color combinations would absolutely amazed you. Al Karam’s designed are specially made for winter season 2015 that are perfect and will keep you warm.

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All these attires are available now in all famous shops of Pakistan. So you can easily buy your favorite one from there. On the hand you can also order winter collection by visiting their official website. So hurry up girls and get your outfit now for upcoming event. These female clothes are good-looking, outstanding, and eye-catching. Formal, casual and bridal wears are the main products of Ahmad. See these amazing pictures that are given below and choose one of your choices. This brand is working for promoting our traditions and moral values by its exclusive winter dresses. Its stylish and attractive designs make your personality loving and pretty. Every girl loves to wear new and heart winning dresses having different colors schemes. Zahra Ahmad latest party wear “Winter Collection 2015″ will make you decent, classy and distinctive in modern crowd. Try these outfits whenever you will go to attend any event, wedding or other similar occasion.

The particular fabrics such as khaddar, linen, cotton etc are used in these wears. All these fabrics are comfortable for cold weather. The shirts having neckline and block prints look more alluring. Their stylish winter outfits 2015-2016 contain a wide range of ready to wear clothes. In this collection long shirts, palazzo, trousers, short shirts, pajamas, a variety of frock designs are including. All the above things are now available in reasonable prices. These attires have an ability to change your whole look as well as personality. In this gallery which is given below pictures with prices are posted. See these images of “Al Karam trendy winter dresses 2015-2016” with great interest and get inspire. I assure you that they delivered the best quality.

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Fashion and Trends

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Anupam Kher: No plans of joining active politics

Anupam Kher has always been vocal about his viewpoints but the actor says he is happy as an actor and has no intentions of taking the plunge into politics.

In a Twitter chat, a fan questioned whether the 60-year-old actor has any plans of following the footsteps of his actress-politician wife Kirron Kher in the near future. To which Anupam replied, “Not at all. I am happy to be an actor and teacher and a Motivational Speaker.”
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The Prem Ratan Dhan Payo actor, who recently led a tolerance march in the national capital, said he does not have any political ideology.

“I have Indian Ideology. Also everybody is free to express what they think is right.

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7 Things You Should Know About Employee Referrals

Boost your chances of getting hired for a job you love.
There is one thing you can do that increases your chances of being hired: getting an employee referral. Referred candidates are more likely to get hired, perform better and last longer in jobs. This is why companies, large and small, are investing in referral programs. It makes good business sense for them and for you.
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Here are seven things you need to know about being a referred candidate, based on a recent survey commissioned by iCIMS, a provider of talent acquisition solutions:

1. Referred candidates have better odds of getting hired.
2. Employees do make referrals.
3. Candidates should start at the top.
4. Referral incentives exist.
5. Referrals are the most important job-search resource.
6. Referred employees love their jobs.
7. Size makes a difference.
The best way to get your résumé to the top of the stack is by getting referred. The tools exist today to identify people who work inside companies you are interested in. It is easier to keep track of past colleagues. Plus, companies value the quality of employees who come from referrals. Isn’t it time you paid more attention to this job-search resource?

Hannah Morgan writes and speaks on career topics and job search trends on her blog Career Sherpa. She is the author of “The Infographic Résumé” and co-author of “Social Networking for Business Success.”

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The Ultimate Hangover Cure

Too much booze. Headaches. Stomach aches. Memory aches. Let’s end them all. This simple recipe, based on nutrition science, is the perfect hangover cure.
Sometimes you drink too much. Other times, you drink way too much. This hangover smoothie might as well be called a hangover cure because it was designed for these moments.

Whether it was your choice in alcohol, your lack of hydration, or just that you happened to wake up with the most brutal hangover of your life, this drink mixes nutrition science with a little culinary skill to make your recovery taste (and feel) a lot better.

Stock up on these 8 ingredients, keep them handy, and your hangover recovery will be better than ever.
The Science of The Ultimate Hangover Cure. You can drink the healthy smoothie and not worry about why it works. But if you’re curious, here’s why the drink is better than your average hangover drink.

Coconut water: Hangover recovery starts with hydration. Coconut water provides more that double the electrolytes as Gatorade.

Kiwi: Contains the same amount of potassium as a banana, but with less sugar.

Pear: Pears provide a good source of fiber and potassium.

Celery: It might seem bland, but celery has anti-inflammatory properties, and it’s rich in vitamin K, folate, vitamin A, potassium, and vitamin C.

Cucumber: Adds to your (much needed) hydration.

Ginger: Science suggests it can help decrease nausea and motion sickness.

Lemon: Helps with the flavor because you want to enjoy your drink.

Himalayan sea salt: Restores lost trace minerals from all the boozing.


Yields: 1 smoothie

Cook time: 5 minutes

Difficulty: Very easy

1 cup coconut water, not from concentrate
1 peeled kiwi
½ pear or green apple
2 stalks celery, chopped
1 small cucumber
1 small chunk of fresh ginger
½ fresh-squeezed lemon juice
Pinch of Himalayan sea salt

Add everything to a high-powered blender. Blend and pour over ice.

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The Concept of Quantum Levitation or Quantum Locking

Quantum physics 101
Quantum physics is a deviation from classical physics. It comes into play when theories of classical physics fail to apply in the realms of atomic and sub atomic particle. It’s still a very new concept quantum physics and it has helped us answer some of the questions of nature which couldn’t be explained by classical physics alone. One such example being the dual nature of light.

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The particles such as atoms and photons which follow the rules of quantum physics are called as quantum particles. One of the weird characteristic of quantum particles is that they can exist in multiple places at once. It is a phenomenon called superposition.

Many new findings are going on in the field of quantum mechanics or quantum physics and one such recent invention is the quantum levitation. In this article I will talk about the concept of quantum levitation and the promising future it proposes.
The science of quantum levitation
Quantum levitation is a process in which scientists uses the properties of quantum physics to levitate or lift up an object (specifically a superconductor) over a magnetic source without any support. Here is an image to give you a clearer picture.
The future of super conductors and quantum locking
You would be surprised to know that in a small disk of only about 3 inches and half a micron thick, there are about One hundred billion (100,000,000,000) flux lines! But that’s not the most astounding fact.The most astounding fact is that this disk canlevitate something 70,000 times its own weight without breaking out of quantum locking!

It is only recently that we are beginning to understand in detail about superconductivity, quantum locking or quantum physics. And this has opened a world of whole new discoveries and inventions.Scientists are still not able to propose a theory as to why superconductors behave the way they do. And why do they lose their ‘magic like’properties above a certain temperature.But surly superconductors propose a promising future.

These superconductors can be used to produce strong magnetic fields which can be used in MRI machines or particle accelerators. Not only this, we can store energy in superconductors because they have no dissipation. Even we can produce ‘superconducting’ power cables to transfer enormous amount of currents from power stations.
And what is the future of quantum locking?
Quantum locking has given rooms to new ideas by creative and visionary people. Justimagine a car ora train ora simple hoverboard working on the principle of quantum levitation. We can build magnetic tracks and our vehicles of superconductor for our mode of transportation. How clean and energy efficient that would be! Although it is science fiction for now but after all it is not impossible to achieve. Or imagine a small superconducting disk of about 2mm thick. This small disk can levitate up to 1000Kg which is equivalent to a small car in your hand. Amazing!
As of right now I am dreaming of a world where houses are ‘levitated’from the ground and cars can fly all based on the concept of quantum locking.The science fiction movies we have all seen are after all not seemingly impossible to make it into a reality.

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Black Friday (shopping)

Black Friday is the day following Thanksgiving Day in the United States
(the fourth Thursday of November). Since the early 2000s, it has been regarded as the
beginning of the Christmas shopping season in the US, and most major retailers open
very early (and more recently during overnight hours) and offer promotional sales.
Black Friday is not an official holiday, but California and some other states observe
“The Day After Thanksgiving” as a holiday for state government employees, sometimes in
lieu of another federal holiday such as Columbus Day.

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In 2014, spending volume on Black Friday fell for the first time since the 2008
recession. $50.9 billion was spent during the 4-day Black Friday weekend, down 11%
from the previous year. However, the U.S. economy was not in a recession. Christmas
creep has been cited as a factor in the diminishing importance of Black Friday,
as many retailers now spread out their promotions over the entire months of November and December
rather than concentrate them on a single shopping day or weekend. For many years, it was common
for retailers to open at 6:00 a.m., but in the late 2000s many had crept to 5:00 or even 4:00.
This was taken to a new extreme in 2011, when several retailers (including Target, Kohl’s, Macy’s,
Best Buy, and Bealls) opened at midnight for the first time.In 2012, Walmart and several
other retailers announced that they would open most of their stores at 8:00 p.m. on
Thanksgiving Day, prompting calls for a walkout among some workers.

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In 2014 stores such as JCPenney, Best Buy, and Radio Shack opened at 5 PM on
Thanksgiving Day while stores such as Target, Walmart, Belk, and Sears opened at 6 PM on Thanksgiving Day.
Three states, Rhode Island, Maine, and Massachusetts, prohibit large supermarkets,
big box stores and department stores from opening on Thanksgiving, due to blue laws.
There have been reports of violence occurring between shoppers on Black Friday.
Since 2006, there have been 7 reported deaths and 98 injuries throughout the United States.
It is common for prospective shoppers to camp out over the Thanksgiving holiday in an
effort to secure a place in front of the line and thus a better chance at getting desired
items. This poses a significant safety risk (such as the use of propane and generators in the
most elaborate cases, and in general, the blocking of emergency access and fire lanes),
causing at least one city to ban the practice.

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Everyone just chill

That is why former Pittsburgh Steelers linebacker Andy Russell can recall, in vivid detail, much of Super Bowl IX in 1975, the first of his two NFL championship games. And his starkest memories center on the Poly-Turf surface at New Orleans’ Tulane Stadium, which overnight rains and cold weather had turned into a skating rink.

“We got out there and we couldn’t stand up. It was ridiculous,” Russell remembers. “We were slipping and sliding and we thought, ‘You can’t play like this. This is outrageous.’ ”

In the locker room a trainer came up with a solution, swapping the players’ regular footwear for shoes with longer rubber cleats. That, Russell insists, made the difference in the Steelers’ 16-6 victory over the Minnesota Vikings.

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“That was a huge issue,” he says. “Getting those new shoes and going back out and discovering that they worked.”

Thirty-nine years later that game remains memorable for another reason — with a wind chill of 22 degrees, it was the coldest Super Bowl.

That’s likely to change soon. The extended Accuweather forecast for East Rutherford, N.J., and Super Bowl XLVIII is calling for a possibility of snow and light winds with temperatures in the mid-30s and wind chill in the low 20s for the Feb. 2 game between the Seattle Seahawks and Denver Broncos. And that has sparked renewed debate over whether the NFL should confine its biggest game to warm-weather cities and domed stadiums or let the elements come into play.

“It’s part of the game. Wherever the venue is, that’s part of the adaptation,” Russell says. “If there’s a strong wind that’s blowing across the field, well, you’ve got to make those adjustments.”

Hall of Fame defensive end Carl Eller, who was on the other side of the field with the Vikings during that game in New Orleans, agrees.

“The climate, it’s part of the game,” he says. “You should have a chance to play in the cold weather. It just seems to make the game more fair.”

And Eller points to an oft-overlooked reason why — teams such as New England, Cincinnati, Cleveland, Green Bay and Buffalo, who regularly play and practice in chilly, inclement weather, can be at a huge disadvantage in humid cities such as Tampa, Miami or Jacksonville, where 15 of the 47 previous Super Bowls have been played.

“In late winter, if we go to play in a place like Texas or California or Florida, there can be a 60- or 70-degree temperature change. And that would affect us,” he says. “So it really works both ways. All of a sudden you’re in hot weather and you haven’t been in that weather. It can make a big difference.”

Perhaps. But while rain and snow can play havoc with footing, no running back has ever tripped over a sunbeam on his way to the end zone. And in a dome the elements can be programmed.

But the NFL threw those considerations to the wind — which figures to be chilly and gusty — when it awarded this year’s game to MetLife Stadium, making it the first open-air Super Bowl played north of San Francisco.

“A little snow would be great for us,” NFL Commissioner Roger Goodell said shortly after awarding the game to East Rutherford, where the average low for Feb. 2 is a brisk 24 degrees.

“Some of our most memorable games were played in unusual weather circumstances. Winter and cold are part of football and snow is also.”

Local organizers quickly warmed to the likelihood of record cold temperatures, with the host committee’s website claiming it is “proud to host the first outdoor, cold-weather Super Bowl.” And to push that point home, the group’s logo features an icy blue-and-white snowflake centered on the George Washington Bridge. On game day fans will receive welcome packs containing earmuffs, hand warmers and lip balm.

But avoiding the frigid Northeast or Midwest hasn’t guaranteed the NFL a weather-free Super Bowl. In addition to the Tulane Stadium chiller between Minnesota and Pittsburgh, the Indianapolis Colts and Chicago Bears played through a steady rain in 2007, combining for eight turnovers. That game was played in Miami, with Peyton Manning winning his first Super Bowl.

And the lowest temperature to greet a Super Bowl kickoff was 39 degrees at the start of Super Bowl VI, where the wind chill dipped to 24. That game also was played at Tulane Stadium.

Bart Starr, who won the most famous cold-weather game in NFL history, the so-called Ice Bowl, says it’s time to ice all the talk about the weather. Playing with a simple long-sleeve undershirt and without gloves, Starr quarterbacked the Packers past the Dallas Cowboys in the 1967 league championship game in temperatures that started at minus-13 degrees, with a wind chill making it feel like minus-36 inside Green Bay’s Lambeau Field.

It was so cold that an official tore a lip when his whistle froze to his skin, and the halftime show was canceled because the marching band’s instruments didn’t work.

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Modern tracking devices for fleet and individual vehicles were initially conceived for the shipping industry. Companies with large shipping fleets needed to know the location of any vehicle at any time. From this need the idea of using the Global Positioning System (GPS) to track and monitor fleet vehicles developed.

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Companies that specialise in providing tracking devices for fleet owners utilise a variety of methods to collect and transmit the data to authorised users. Not all of them specifically use GPS technology, and not all of them provide the same level of security.

Fleetmatics tracking devices specifically use GPS to determine precise vehicle location. The location data and other parameters – including speed, idle times, engine on/off and more – are transmitted to the Fleetmatics system every 90 seconds. This information can be accessed by authorised users 24 hours a day through any Internet connection worldwide. This gives fleet owners complete control over and access to what their vehicles are doing in the field.

Fleetmatics tracking devices are installed by a team of professional technicians in each client vehicle. There are no exposed wires or antennas. This allows for the equipment to be virtually tamper-proof, reduces the opportunity for theft and allows for covert installation if needed.

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Family Finder Mobile Application

Once installed, our vehicle tracking system will begin recording vehicle data. You can immediately implement cost-saving efficiencies based on improved driving habits, direct routing and increase employee productivity.

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Factual Tale About Career Counselling

We’ve been offering career tests since we first went live on the internet in 1998, but
it wasn’t until later that we began providing career counseling to the visitors on this
web site.

I originally added career counseling because one of my favorite headhunters was going through
a rough patch during an economic downturn, and I thought he could help provide career advice
to some of the visitors to CareerPlanner.com, and earn extra money on the side.
I couldn’t do the career counseling myself, because I was working full time as a Vice
President of a business unit for an international high tech company. The business I
was running for them was only $80M or so, but I was working long hours and traveling
to Asia quite a bit. To deliver career counseling you have to be available when your
clients need you, and I just wasn’t available.
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My friend is a great headhunter. He got me one of my best jobs ever. We got the
counseling business started around him, but once his recruiting business picked up again,
he was too busy to handle career counseling clients. So that’s when I took over.

My first career counseling client was from Milan, Italy. That was very cool. I
had worked in Turin, Italy for several years, so I was very comfortable with the
culture. It was a simple case. He was trying to decide between two different job
offers, and I helped him figure out which job he was best suited to. Of course
he made the final decision, which is how it is with career counseling. The counselor
or coach doesn’t make the decisions. Instead they help the client see more clearly.
They lead you through a path of self discovery, so that you can make a better career decision.
Since then, a good portion of our counseling clients have been from outside the US.
That’s probably because about 36% of our web traffic is international.
For example, last month, I had career counseling clients from Shanghai and Norway.
I’ve even had clients in Dubai and Afghanistan. The latter was an American civilian
who went to Afghanistan when the US economy tanked in 2008. He wanted help planning
his return to the US. He landed a great job. The last thing I coached him through was
the salary negotiations. I told him what to ask for which was a lot more than he ever
thought to ask for. Having been a high level manager, I knew exactly what companies were
willing to offer. Remember, as an invididual, you might negotiate your compensation
every few years, but companies negotiate everyday.
We get a lot of career counseling clients from Canada. We have one family who
has run all of their children through our career testing.
Every career counseling client takes two career assessments. One is a career
test that provides a list of careers that matches a person’s interests. The other
assessment matches a person’s psychological type to a list of careers.
Not everyone needs the full career counseling package. Some people, like the family
in Canada simply use the career tests and personality tests.
Not all of our career counseling clients want career direction. Sometimes they
just need advice about how to handle something that has come up at work. Once such
client was working for his uncle in a family business. The uncle was getting very destructive
and was hard to work with. My client wanted to quit the family business and do something else.
He actually called me on a Saturday because he was ready to quit on Monday. So what I did
is show him how to work better and get along better with his uncle. I knew my client’s
personality type, and I from descriptions of the uncle I took a guess at his type. Armed
with this new insight, my client, instead of quitting, took his uncle out to lunch and had
a heart to heart talk with him. They lived happily ever after, and by now I imagine my
client has inherited the family business.

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