Archive for January, 2011

Home insurance for your home when unoccupied

Monday, January 31st, 2011

In the movies using the magic words Home Alone, a large family finds various excuses to leave their home. Except, of course, they manage to leave the younger, more troublesome one behind. The plots then variously find humor in every home owner’s nightmare, i.e. that while they are away on a beach, in Paris or carving the Thanksgiving turkey on the other side of the country, burglars will see their home empty and break in at their leisure. Indeed, one of the new sources of paranoia are these wonderful pieces of technology allowing you to tweet or make other bird noises telling everyone where you are, what you are buying or eating, and so on. “Friends” who follow your instant messages may therefore know when you are away from home and how long they have to break in. Why should they want to break in? Because you tell them where you shop, what you buy, which upmarket restaurants you like to eat in and how expensive the wine you drink. You are advertising your lifestyle and telling potential thieves whether you are worth robbing.

So how does the insurance industry react to all this? Well, they’re not their usual happy smiling selves. They hate the idea you’re broadcasting who you are and when you are away from your home. Google is not their pin-up site of the month because it now publishes photographs of people’s homes. Potential thieves can therefore see whether there are bushes in front of the windows to hide a forced entry or how easy it is to access the rear of the property. Better still are all these blogs where people recklessly publish photographs taken inside the home. This allows thieves to plan exactly how much transport to bring to drive away all the more valuable things you own. (more…)

Should you protect larger loans?

Saturday, January 29th, 2011

Once of the worst sales techniques is passive. You have all been caught. It’s the, “unless you opt out of this, you will be paying for it” trick. The place you find it most often is on the bottom of credit card agreements in the smallest print. Only when you get the first statement and read it through to the end, do you discover you agreed to insure the debt. In theory, this is a great idea. Should you die while the credit debt is outstanding, your family will not be struggling to find a lump sum to pay it off. It would be more useful if it covered you against a job loss. No wait. That would be too great a temptation. You build up the debt and then manage to get a pink slip. Suddenly you have no credit card debt. Far too easy to manipulate. So the number of circumstances in which the credit insurance will pay out are very limited. Worse, it often applies to young people who have good health and great life expectancy. Put another way, this is a scam and the credit card companies use it to pad out their bottom lines. Everyone who can opt out, should opt out of credit insurance for credit card debts and small bank overdrafts. (more…)

Age and sex

Saturday, January 29th, 2011

As one day follows the next, one thing is certain. Tomorrow, you’re one day older and with that sad fact, comes all the bad news about declining health. For some reason, we seem to peak in physical performance in our early twenties. After that, it’s a slow decline. The first signs are in a loss of muscle mass. After college and university, most men give up on exercise. The waist line tends to expand as the food consumption is no longer offset by activity. The cholesterol levels rise along with other warning indicators for high blood pressure and metabolic disorders. Then with middle age comes the risk of erectile dysfunction as testosterone levels fall, cancers can start to show, and many start to feel more insecure. It’s quite surprising how many men in middle age experience problems with anxiety and depression. In part, this is brought on by acceptance that they can no longer do what they did when young. They carry the memories of what it was like at their peak and find themselves sadly lacking as they age. Self-confidence suffers and their general levels of vitality fall.

In most men, there are just one of two problems. But when the problems cluster, health can go downhill quickly. The Centers for Disease Control and Prevention (CDC) continues to monitor the state of the nation’s health. The most recent report shows a disturbing trend. For those aged 18 and above, 12% are in fair or poor health with only one-third exercising. The result is that almost one-third are now considered obese and have high blood pressure.

All men have a tendency to add weight as they age. This is the expanding belly we see all too often. But previous generations tended to show it later in life. This was before the modern times of plenty when food was more expensive. Then it took longer for people to build up the financial resources to eat enough to add those extra pounds. Today, people start eating too much as children and never slow throughout their lives. That’s why we have an explosion of obesity and associated poor health. Unfortunately, if you tell overweight men who have erectile dysfunction that their lives would be better if they lost some pounds, they look at you as if you just suggested suicide. Apart from those who appear on reality weight-loss television shows, only a small percentage of the overweight ever lose weight. (more…)

Why avoiding alcohol consumption with some drugs?

Friday, January 28th, 2011

Explaining the dangers of using alcohol with a wide range of pharmaceutical products is something that doctors deal on a regular basis. Many people seem to be quite careless about the effects of mixing drugs and alcohol, while in certain situations such a mix could be very harmful to health if not lethal. In other cases, the effectiveness of the drug can be altered, or it can cause faster intoxication with alcohol than normally. So what will happen if you take Tramadol with alcohol?

Both alcohol and Tramadol (as well as its generic variations such as Ultram) are acting as central nervous system depressants, which means that both these substances affect the brain and make it work slower. Also, these substances can lead to respiratory depression characterized by shallow breathing. So it’s evident that taking Tramadol in conjunction with alcohol isn’t a good idea since it will cause serious side effects that you wouldn’t expect from these substances if taken separately. Make sure to not consume alcohol before or after taking Tramadol for pain relief.

Certain side effects will occur if you still choose to combine these two substances. So don’t be surprised if you experience any of the following after taking Tramadol together with alcohol:

  • Seizures
  • Strange behavior
  • Memory issues
  • Drowsiness
  • Dizziness
  • Coordination problems
  • Shallow or infrequent breathing
  • Passing out

The effects of alcohol will also get stronger after taking Tramadol. It will be very likely that you will get intoxicated from a smaller amount of alcohol much faster than you normally do. This is why any prescription label will indicate that people who are intoxicated with alcohol at the moment should never use Tramadol until alcohol has cleared off from the body.

Though, it is recommended to avoid combining alcohol with Tramadol, you should also avoid ceasing alcohol or Tramadol consumption in an abrupt manner. Patients who are going through alcohol withdrawal and recovery should also avoid taking Tramadol because it will increase the risk of seizures. Stopping Tramadol use abruptly will also lead to withdrawal symptoms similar to those of alcohol withdrawal. That is why it is not recommended to try to withdraw from alcohol or Tramadol on your own without the help of qualified healthcare specialist. (more…)