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  • Business Partners & Marital Partners Will The Marriage Survive – Part II

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    In the last article, we connected by saying that keeping your business and personal relationships separate is very important to the survival of both your business and your marriage. In this article we will talk about how to achieve this goal.

    One of the most important ways to accomplish this is to set up distinct business hours, and when they are over, don't discuss business, concentrate on your relationship. It is difficult, but make a concentrated effort at it. Confine your business discussions to business hours or set aside a specific time to discuss the business.

    For example, take the last half hour of the day, and discuss the business day; Any suggestions you have, what was accomplished, what needs to be done tomorrow, during the week, how are the monthly goals you set at the beginning of the month progressing. Remember to couch any criticisms or suggestions in a positive vein. Think of how you felt in the work situation and how supervisors dealt with you when making suggestions. Negatives only cause resentment. They do in the corporate arena, and even more so, when dealing with a spouse you must live with 24 hours a day. Be sure to set aside time for each other-go for walks, out to dinner, or just for a drive with your spouse. Do not discuss business.

    You should have outside activities that are not business related. If not, join a group that interests you. It will allow you to meet with others who are not connected to your business. Running a home-based business can be very lonely; getting away from the home, and having outside interests is imperative.

    In addition to the problems inherent to couples running a business, starting a home-based business presents its own set of problems and questions. Before you start be sure to ask yourself the following:

    1. Are you self-motivated? Organized? Able to prioritize your work? You will no longer have a supervisor or a boss to tell you what to do. You will be the decision maker. You will have to motivate yourself. One way to accomplish this is to use a To Do List and stick to it. In addition, set definitive business hours, and stick to them.

    2. Will you be able to deal with the isolation? You will no longer meet people in the halls, congregate around the coffee pot, or take a break to talk with your co-workers. To combat the loneliness and isolation be sure to join groups that meet outside the home, or schedule luncheons with friends and associates.

    3. Write up a business plan. Be sure the business is something that interests you. You might want to start on a part-time basis, and grow from there. Research the business carefully, make sure there is a market, and the competition is not overwhelming.

    4. Be sure you have at least six months living expenses set aside. This will give you the time to work through the marketing strategy outlined in your business plan, and avoid bad marketing practices. In addition, if changes need to be made, you can do so, without monetary concerns becoming an issue.

    5. Be sure your office space is located in a separate room or area of ​​your home that offers the least distractions. A separate office is best, especially if you are meeting with clients. Remember to always present a professional appearance.

    6. When will you do your regular household chores? Make up a schedule of when you will deal with them. Some individuals find getting chores done before the start of the work day is best. At the end of the day, close your office door and then deal with the remaining household items that need to be handled. Time management will be a very important factor in running a home-based business.

    7. For husband and wife teams, it becomes imperative to have some form of disability insurance for each other. Remember, even though your partner may be your husband or wife, he or she is still your business partner. An accident or illness to one of you can severely impact the operation of the business.

    A business is only as good as you and your partner make it. It takes a lot of dedication, time and energy to run a business, whether it is home-based or not. It can be a very rewarding experience. Think carefully, and ask yourself a lot of self-searching questions before you begin.

    Copyright 2000, DeFiore Enterprises

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    Source by Sue And Chuck DeFiore

    Views: 0

  • The Best Final Expense Sales Presentation Ever

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    Arriving At The Prospects Home

    When I arrive at the house, I like to park in the driveway because that is where family parks and they are more likely to greet me. I look for the door that they use the most and I go and knock on their door (usually the back or side door). While waiting for them to come to door, I look down at my clipboard and pretend to read. I try not to make any eye contact until they open the door.

    When they open the door, I greet them as if they have been waiting for me all day long. “Mrs. Jones? My name is Joseph and the reason I’m stopping by today is because you recently sent this card in and it’s my job to bring you that information you requested. I’d really like to go over this with you, can I come in?”

    If they say yes, GREAT!!! I’m in! If they say it’s not a good time, then I will schedule an appointment with them for the next day. Now you are off to your next one. Some people will let you in and some people will make appointments with you, some won’t be home. (Always make sure you go back or call if they’re not there.) Of course, some will slam the door in your face… ha (fortunately, not usually.)

    At the end of the day, you should have made 3-4 presentations and scheduled 4-5 appointments. The point is, you are out there working and making money. I’ve honestly made $8000 in commission in one day!!! No joke.

    Making Appointments

    Rather then drive around all day, some people prefer to make appointments or hire someone to make appointments for them. Personally, I hired someone to do this for me. I schedule my appointments an hour and half apart. Usually it starts at 10:30am and ends at 7:30pm. I try to get 7 appointments a day, 4 days a week. I always make my appointments the day before because they forget if it’s more than one day away.

    Script for Setting Appointments Yourself

    Here is an appointment script you can use:

    Good Afternoon ____________, This is ____________

    I have in my hand, a pink card that you filled out and sent in requesting information on the Social Security Death Benefit Program.

    Now, my job is to get this information out to you.

    The address I have here is ___________________.

    Is that correct?

    Okay… Great!

    On the card ________, you wrote down that you were 65 and that your wife was 63… is that correct?

    Awesome, awesome…

    Let me ask you a question: are you (you guys) working, retired or receiving disability?

    Oh yeah, that’s good, that’s good… What time… do you/she/he get off work…

    chit chat…

    anyway, like I said, my job is to this information out to you and I can either get it out to you tomorrow at ______ or ______…

    which is best for you?

    Great…

    Do you have a pen and paper handy or do you have your calendar in front of you?

    I just want you to write down my first name… It’s Joseph. Last name Haworth, H-A….

    Now put down there ______am/pm on ___________day… that’s tomorrow.

    Well, I really appreciate your time, I look forward to meeting you and __________, at ______________am/pm _____day________.

    Have a great day.

    When you arrive at your appointment, smile BIG and assume you are getting in. Say you are there for the appointment and ask to come in. It’s easy to get in… most of them remember that you are coming.

    Presentation

    To put you at ease, I want you to know that I’m not a sales person at all. I’m the most passive, non pushy person you can imagine. There really is no trick to it. So relax your shoulders and have fun.

    Once you are in the door, you compliment their home, their yard, their dog, the smell of the house… you know… whatever! Just compliment. My favorite one is to mention how clean the house is. If it is really clean, it means they work really hard at it and they appreciate someone noticing. As I’m walking in the house, I look at the pictures and I either ask who is in the pictures before I sit down or I ask later. In any case, seniors love to share their pictures so make sure you ask about them.

    I’m always very casual and I do my best to avoid the sales presentation for about a half hour. I like to have them talk to me and tell me about themselves and their family and their problems etc. I honestly get sucked in. I’m right there, feeling their joy and pain and I’m concerned and interested. I don’t care about the insurance at that point. Eventually, you move to the presentation and by this time you are friends and this helps them listen and helps you know how to communicate to them. Here are the steps:

    1. You tell them why they received the card and what it’s about.

    2. You bring up the cost of a burial and the fact their family is going to have to pay $10,000.

    3. You find out why they sent the card in.

    4. Ask who their beneficiary is and if they have ever paid for a funeral (both these questions bring out emotion because they don’t want their kids to pay for the funeral and by asking if they have ever paid for one, this helps them remember the pain of paying all that money for a funeral.)

    5. Ask them what medications they take and what they are for. Then you ask how their overall health is. “Have you had any heart problems, or kidney, or liver or lung problems? If so, when?” You need to know when because most applications only care about the past 2 years or so.

    6. Now you know what they are going to be approved for and you can show them some prices. I usually write down 3 or 4 prices on the back of their lead card. I try to match what I think they can afford. Once I write them down, I go over the prices and then hand them the sheet. I say, “Now, Mrs. Jones, I want you to look over these three prices and you tell me which one is best for you?

    7. Before I give them the prices, I tell them about an immediate benefit and a graded benefit. The immediate benefit means that their family will get the full face amount if they died even after only one payment. The graded policy, however, makes them wait two years before they have full coverage. To find out which one they qualify for, I have to ask the questions on the application. (However, if you asked enough questions earlier, you already know….)

    8. Before I ask the immediate benefit questions, I ask them to pick out a price first. (This is called asking for the sale. You have to ask for the sale or you will not sell!!! Plain and simple). Knowing the price they will pay helps with the next step. When you know they qualify for immediate benefits, after you ask the appropriate questions (that you already know the answers to), you stand up and congratulate them.

    9. At that point, all you have to do is ask for their personal information. “Mrs. Jones, can I see your SSN and Drivers License”… the point is that you start writing the application.

    We hope you will join us to see the full presentation in print, audio and on video.

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    Source by Jody Haworth

    Views: 0

  • 6 Tips to Consider When Seeking Rehab for Drug Addiction

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    For most people, drug addiction is a big problem. You feel as if your life is getting out of your control, and you can’t get it back on track. But you can get help to deal with the problem. And with proper treatment, you can recover before long. There are many treatment methods but we suggest that you opt for a drug rehab program. Before you decide on a program, you may want to follow the tips given below.

    1. Find a The Right Program

    The majority of rehab programs are focused on a certain drug category like sedatives or opioids. For effective treatment, you may want to ensure that you join a customized program.

    2. Consider Detoxification Therapy

    Based on the drug you are addicted to, you may have withdrawal symptoms as soon as you stop taking the drug. It happens when your body balances out the negative effects of the drug. You may experience these symptoms for a few hours or weeks. Once you show withdrawal symptoms, you may want to opt for detoxification. This process involves reducing the amount of drug you take or substituting it with another safer drug for a while.

    3. The Costs of Treatment

    Most insurance providers offer a minimum of partial coverage for the rehabilitation treatment. In addition, some employers also offer treatments methods for psychological conditions including drug addictions. So, you may want to find out more about your options so you can cover the cost without spending an arm and a leg.

    4. Treatment Options

    The majority of drug rehab centers offer a combo of different treatment methods rather than focus on just one type of treatment. They come up with a treatment plan that may best fit your needs. Often, the treatment plan involves two treatments: behavioral therapy and medication therapy.

    5. The Treatment Period

    According to some people, the treatment won’t take more than a month for complete recovery. However, the treatment may take a long longer before you get fully recovered. According to NIDA, the complete recovery may take up to 90 days. Therefore, the treatment plan should be given some time. You may have to bear patience.

    6. The first stage

    Lastly, you may want to keep in mind that addiction recovery is a kind of lifelong process. And the first stage of this process is rehabilitation. So, you may not want to expect your addiction to be fully cured at the end of the treatment program.

    Instead, you should go to the treatment center with a mindset that the addiction will go away gradually. And during this time, you will be able to find out how you can live a life that is free of addition and much more productive. Once the treatment is completed, you can go back to your normal life with the help of the skills and knowledge you gained during the treatment at the rehab center.

    So, if you have been thinking of considering an addiction treatment center for your drug addiction, we suggest that you follow the tips given in this article.

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    Source by Shalini Madhav

    Views: 0

  • The Success Avoidance Syndrom

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    Life is full of ironies and paradoxes. One of the most amazing of these is the human tendency to cry for and cling to those things that hurt them. As one notable poet put it, “people run for their chains.” Is it not amazing that people generally dislike prisons, and yet it is a known fact that many former prisoners would rather be in prison than out of it? How many people out there are clinging to and crying for relationships, and yet they fully know that those same relationships are dysfunctional and leading nowhere?

    How many companies, individuals and nations are tenaciously holding onto solutions that have passed their sale by date? How many people desire to lose weight and to be in good health, and yet daily crave for and indulge in those behaviors that negate this aim? My proposition is that there are many. Perhaps the most debilitating human condition is the success avoidance syndrome. Put simply, people have this tendency to want and wish for success, and yet simultaneously unwittingly avoid the things that make for success. They desire success but hasten their feet towards failure. Below is a synopsis of the traits of the success avoiding individual.

    o Risk Avoidance.

    Many people want to succeed in life but they are averse to risk. However, the very nature of success is that the greater the risk involved the greater the rewards. Every opportunity carries within it a certain amount of risk. To try is to risk failing; to propose is to risk being turned down; to love is to risk heartbreak; to advance is to risk repulsion and resistance; to lead is to risk criticism and being cartooned; to express yourself is to risk appearing a fool; to seek profits is to risk making losses; to put your views to the public (like I am doing now) is to risk being ridiculed; to trust people is to risk being disappointed; to be yourself is to risk being rejected; to be a copycat is to court frustration; to write an exam is to risk failure and disappointment; to communicate is to risk being misunderstood, to buy something is to risk dissatisfaction and dissonance; to get an insurance policy is to risk paying for a service that may never become necessary.

    It is true that risk is often uncomfortable. However, the alternative which is failure, frustration and underachievement is even worse. Not only is the alternative very discomfiting, but it is also painful. Any risk minimization strategy is therefore actually a success reduction mechanism. A faint heart never wins a fair lady, and there is no crown for the coward. It is that simple. The winners know that the greatest risk in life is to risk nothing. After all to be alive is to risk dying some day and we will all die, so what is the big deal?

    Before we leave the subject of risk it is important to underline that there is a big difference between taking risks and taking gambles. To gamble is to put oneself at the mercy of fate and chance. With gambling one has no influence over the outcome at all and a good example is lottery. However, when one takes risk one does not become a prisoner of fate but remains a participator in a process in which the success is not guaranteed, but the chances thereof can be influenced by one’s own decisions and actions. There is no self determination with gambling, but the risk taker retains some control.

    o Failure Avoidance

    The person obsessed with avoiding failure learns to do nothing. It is only that person that never does anything, that never makes mistakes. In truth there is no effort without shortcomings. However, action is a progenitor of success and it follows logically that the person who never engages in meaningful and serious action by this very act of omission avoids success. Activity, of course is not to be confused with progress, but there can never be progress without activity. Failure avoidance is success avoidance. Period.

    Failure avoidance is a learnt habit. Research indicates that families, companies and environments replete with criticism, cynicism, pessimism, threats of punishment and motivation by fear are a good breeding ground for failure avoiders. To the contrary affirmation, recognition, acknowledgement, praise, reward and encouragement constitute the diet of the success pursuers. Creativity and innovation cannot co-habit with fear of failure and punishment.

    The failure avoiders are regulated by their fear of failure, but the winners are inspired by their dreams. In most cases the failure avoiders keep fresh the memories of their past failures, catastrophes, fiascos and heartbreaks. Their minds are filled with imaginations of pain and failure and negative outcomes. They always fear and expect the worst. They think in terms of and look for limits, but the winner thinks in terms of and looks for opportunities.

    The loser is therefore always running away from limits, while the winner is running towards opportunity. The winner recognizes that limits and opportunities are one and the same thing. The difference lies in the eye of the beholder and how he chooses to interpret what he sees. The failure avoider sees the challenges as stumbling blocks to be avoided but the winner sees them as stepping stones to be embraced and utilized. In truth every challenge brings with it an opportunity to grow, but it is easy to miss this opportunity if one sees it as a burden, problem or disappointment.

    What have you been avoiding all your life and of late? What have you been hesitating to do? Is it a conversation, telephone call or important decision? Whatever it is, take time to reflect on whether your avoidance does not constitute success avoidance. To be continued, expect some more.

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    Source by George Chingarande

    Views: 0

  • MLM Training – How To Answer the 30 Most Common Questions And Rejections In MLM or Network Marketing

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    Ok, so you’ve made the call, initiated the invitation, but things didn’t go as smoothly as what you expected.

    Your prospect started to ask some tough questions.

    Gulp, all of a sudden your tongue got tied up! You panic and said something stupid.

    Just yesterday, one of my downlines asked me after she made her first few calls to some prospects.

    What do you say when they ask you, Is this MLM? or Do I need to sell stuff? or Do I need to spend a lot of time?

    Here are your answers to the 30 most asked questions in MLM or Network Marketing.

    1. What is this business all about?

    Answer 1 (refer back to your website): Well, everything is explained on my website. Can you check it out today?

    Answer 2 (if your company does not provide a website): Well, I can’t explain it over the phone, so the best way is to meet up either today or tomorrow so that I can show you the details.

    * Now, the reason why we do not want to explain over the phone, is simply because there is no way the prospect can see the full big picture with some words transferred over the phone! Remember, our responsibility in MLM is to pass the message on and the clearer the message, the lower the chance of rejection or misinformation.

    2. Is this MLM?

    Answer: (Answer a question with a question) Why do you ask that? Have you done MLM before?

    * In this case, we answer a question with a question because we want to know if the prospect is NEGATIVE towards MLM. If the prospects answers your question with a negative response eg. Yes I have and I failed terribly or No I have not, but my relative/friend was involved with some MLM and failed, then you must be more tactful and answer Well, its not what you think or have seen. Check out my website or I can show you the details when we meet up today or tomorrow.

    3. Is this one of those pyramids or money games?

    Answer: No, of course not. Why do you say that? Did you have a bad experience with something like that?

    *Again, we want to find out if the prospect had a negative experience and we want to reassure them that our business is nothing like that.

    4. So do I need to sell anything?

    Answer: No, this business is not about being a super salesperson if you do not like sales.

    *The reason why we say this is because more than 90% of the worlds population does not like sales. However, its more of a fear of having to sell stuff because they do not see the benefits or whats in it for them.

    5. Do I have to sell stuff to my family and friends?

    Answer: No, you do not have to if you do not like doing that.

    * Most people fear peddling products to their family and friends, however most of the time, their opinion will change when they realize how good the products are and how they can benefit from those products.

    6. Do I have to make cold calls?

    Answer: No, you do not need to make cold calls if you do not want to.

    7. Do I have to spend long hours to do this business?

    Answer: Well, its actually flexible and totally up to you. The more time and effort you put into the business, the more you will earn as there is no limit to the amount of money you can make.

    8. I don’t have many friends.

    Answer: Its ok. You do not need to depend on your friends and relatives to succeed in this business.

    9. So what do I need to do?

    Answer: You need to go through our company training and learn the basics of the business, then follow our step by step system to guide you towards success.

    10. Do I need to invest a lot of money?

    Answer: That’s the beauty of this business. You do not need to invest a huge sum of money to start the business. How much will you need to start a McDonald’s or Kentucky Fried Chicken franchise?

    *The idea here to make a powerful reference to a business like McDonald’s which everyone knows or has heard about. Then, inform the prospect that a McDonald’s franchise takes something like US$1 million dollars to start. However, our business just needs a few hundred or thousand dollars to get started. Comparatively, that’s not a huge investment at all!

    11. I can’t talk as well as you.

    Answer: In this business, its not about being able to talk well. Besides, well be guiding you with our step by step system that does not require you to talk well or be a good salesman.

    12. I am just too busy.

    Answer: Will you like to have more time freedom then?

    *Explain to the prospect the ideas I shared in WHY MLM about exchanging your time for money and exchanging OPT(Other peoples time) for your wealth. Many people think they are doing well, but they don’t realize they are still caught in the rat race.

    13. I don’t think MLM or Network Marketing is a professional career.

    Answer: Have you heard of Donald Trump(ultra rich billionaire property mogul in the hit show THE APPRENTICE) or Robert Kiyosaki (World famous author of the book RICH DAD POOR DAD)? If both of them strongly recommend network marketing or MLM as one of the best businesses for people to get rich with, do you think that they will risk their reputation on something that is not professional?

    *The best way is to show them Donald Trump and Robert Kiyosaki’s book which they co-wrote together, Why We Want You To Be Rich? and flip to that one entire chapter where both of them recommend that we join network marketing in order to get rich!

    14. Have you made any money yet?

    Answer(if you just started): No, I just started the business and any business takes time to generate income. However, I can introduce to my upline who has made money already and is very successful. You can check out his website or I can arrange a 3 way call for a conversation with him.

    15. How long will it take for me to make any money?

    Answer: Its up to how much time and effort you put into the business. However, give yourself at least 3 months to learn the ropes first.

    16. What if I run out of friends?

    Answer: As I mentioned, you do not need to limit yourself to your friends and family. We will guide you step by step how you can have an unlimited number of people to share the business with.

    17. I don’t think I can afford the money to start.

    Answer: Do you really seriously want to achieve your dreams? If yes, figure out a way you can get the money to start. You can start saving up now so that you can start later.

    18. You are already successful, that’s why you can do it but I am not like you.

    Answer: Do you want to change your life then? If yes, start by being a good student and learn how to do it. We are willing to guide you towards success.

    19. Do I have to become a products expert?

    Answer: No, we are only the messengers who pass the information on to others. We do not need to become doctors, or nutritionists or product experts.

    20. Can I build my business overseas to other countries?

    Answer: Yes, of course. With the internet, we are able to share our business opportunity with anyone in any country around the world. So long we are able to deliver the products there, anything is possible.

    21. Can I start part time and still succeed?

    Answer: Yes, of course. Many of us start part time and build up a significant income before we go full time.

    22. How long will it take to achieve a full time income?

    Answer: Just like any business, give yourself at least 6 months to 1 year to build up a significant income.

    23. Can I register a company to do this type of business?

    Answer: Yes of course. You are already considered a self employed business owner by starting this business, so you can register a sole proprietorship, partnership or incorporated company to do this business and enjoy all the tax benefits.

    24. Can I do this business together with my spouse?

    Answer: Yes of course. In fact, we have seen many success stories of couples who work together as partners in this business and it not only helps with their finances, but their marriage as well.

    25. The money in network marketing is too slow for me.

    Answer: Well, if you’re looking for fast money, usually its associated with high risk. However, if you want low risk, but highly leveraged passive residual income i.e. income that grows while you sleep without risking high investments, network marketing will give you that if you work the business for 1 to 2 years.

    26. Too many people fail in MLM.

    Answer: Isn’t that true in any industry? Example, insurance, property agents, even 9 of 10 traditional businesses fail in any given year. Be it in MLM or in any industry, the only people who fail are those who give up. And those who succeed are those who never ever GIVE UP.

    27. I hear too many horror stories and negative comments about MLM.

    Answer: There is nothing wrong about MLM as a business model. Its just misunderstood by the general public. However, did you know that when franchising first started in USA, everyone said it’s a scam? The same thing happened when personal insurance policies were first introduced to the general public. It took more than 20 years before the public started to accept that personal insurance wasn’t a scam to cheat your money but a necessary protection instead. But if you had been one of those pioneering leaders in the Insurance industry, today you will be very rich! So its the same situation for MLM, when less people understand it, that’s when the opportunity is BIG.

    28. Do I need to convince people to buy products?

    Answer: No. Your responsibility is to pass the information to them so that they can review the DVD, website or magazine so that they can convince themselves if they are interested. You do not need to do any convincing at all.

    29. I have no extra time to do this.

    Answer: If today I told you that I’m selling my ferrari sports car for $1000 and you only have until tomorrow to grab this limited time offer, will you find the time to get $100 to me right now? If yes, it means that the point is whether you really want it bad enough to find time to do it. So do you really want to succeed or are you just fooling around?

    30. I have no idea where or how to start.

    Answer: No problem, let me guide you step by step with our new distributor orientation training system and quick start checklist.

    * By this time, your company or your organizations training system should have a simple step by step checklist or training guide that you can use to duplicate your new downline to get started.

    So there you have it!

    The 30 most common questions, answers and rejections in MLM or Network Marketing.

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    Source by Dennis Bay

    Views: 0

  • Role of Alternative Medicine in Modern Society

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    Typically, alternative medicine differs from traditional medicine in that alternative medicine is older and what we might call unconventional or non-Western medicine. Alternative medicine does not follow the traditional science and research that current medicines undergo. Alternative medicine could also be termed complementary or traditional medicine or the therapies that can be integrated into current medicine. The staff of the National Library of Medicine of the United States classified alternative medicine under the category of complementary therapies in their Medical Subjects Heading Section. This was done in the year 2002. The definition provided was that alternative medicine therapeutic practices were not considered as an integral part of the traditional allopathic medicine. Therapies like acupuncture, dieting, physical therapy like exercises or yoga, etc. are termed as alternative medicine. These therapies are called complementary when they are used along with conventional treatments. If they are done in place of conventional treatments, they are known as alternative treatments.

    In April 1995, the panel of National Institutes of Health, Bethesda, Maryland, worked on Definition & Description, CAM Research Methodology Conference, Office of Alternative Medicine. The panel defined alternative medicine and complementary medicine as those healing resources that encompass all health systems and practices that are different from the dominant health system of a particular society or culture. Usually, therapies like ayurveda, herbal medicine, folk medicine, homeopathy, acupuncture, naturopathy, diet practices, chiropractic, music therapy, massage, pranic healing, etc. are classified as alternative or complementary medicine. People who do not find a cure, remedy or success in allopathic medicine generally try alternative medicine. Such people generally suffer from cancer, arthritis, acquired immuno deficiency syndrome (AIDS), chronic back pain, etc. Therapies included under alternative medicine would cease to be included in that category once their efficacy is proven and they are considered safe and effective. They are then considered as part of traditional medicine. An example would be chiropractors. Twenty years ago insurance would not pay for them as they were considered “alternative and ineffective.” Today thousands of people have been helped by chiropractors and they are now recognized in the medical community. A similar movement is underway in the nutritional supplement and nutraceutical industry.

    Over the years, more and more people have been using alternative medicine because traditional medicine is not working for them. The 2004 survey by the National Center for Complementary & Alternative Medicine of the United States revealed that approximately 36% of Americans used alternative medicine in 2002. If alternative medicine is used in conjunction with traditional allopathic medicine, an integrative doctor is a person’s best option. Some traditional doctors are adamantly against or simply do not believe in complementary medicine, even though research continues to show the benefits of many compounds. Your doctor should be informed about other approaches you may be using and if they are not comfortable with that then always feel free to choose another doctor. This would enable the doctor to foresee any possible complications or a better time in which to use a complementary therapy. The concern in using alternative medicine stems from the fact that some practitioners of alternative medicine do not have an accredited medical degree and therefore do not have a valid medical license. However, in recent times, many educational institutions and universities have started offering courses in homeopathy, ayurveda, siddha, unani, acupuncture, and naturopathy. The recent growth in this industry is evident by the many people demanding different, and in some cases better, care than what they are receiving in “modern medicine.” They are no longer accepting the fact that they need to suffer with pain or illness because modern pharmacy does not have a magic bullet for them.

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    Source by Darren Dunner

    Views: 0

  • Data Science in Healthcare: Applications That Are Changing the Health of the Masses

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    Data is everywhere and it would be foolish not to use it for the betterment of various sectors and the general public. This is the reason why the medicine and the healthcare field are using big data as an effective tool to gather data and analyze the same. It can help improve the existing technologies and also will help in developing new ones, prevent any kind of epidemic, lower the costs of diagnosis and treatments, etc.

    Big data will help the doctors to make informed decisions at a better pace making less mistakes. Data will also help in getting a bigger picture of the population as a whole by identifying the larger problems which can be a problem after 20 years.

    Some of the major uses of data science in the field of healthcare are discussed below:

    Staffing

    Deciding the proper number of doctors, nurses and other staff in various shifts are big decisions as overstaffing means extra costs and understaffing means fewer staff to treat the patients. With data science and various machine learning techniques, one can find the patterns in hospital admissions in the last few years and can also get predictions regarding future admissions. This will help the management in making correct shift staffing decisions.

    Wearables

    Another use of data science is wearables which are certain equipment that can be worn by the patients. These instruments will be capable of collecting medical data about the person wearing the same and this will be collected in the database which can be helpful for comparing various socioeconomic factors and health in general. It will also be helpful for the concerned person’s doctors to be alerted when the health deteriorates.

    Predictive analysis

    Doctors need to diagnose health problems, and having pre-existing data can be very helpful. Big data techniques can help doctors predict the disease within a very small period, as this can provide the patients with the timely treatment. Also, the electronic health records help a lot in certain complex cases which requires medical history.

    Web medicine

    With various digital devices now into play, the telemedicine approach has become much stronger and more improved in the last few years. Now patients can talk to and consult with doctors from home using various means like video conferences, chatbots, etc. Here data science can help in the diagnosis of the diseases easily, even if the patient is not admitted to the hospital. Also, by using the big data tools, technologies are being developed which can perform robotic surgeries which require a lot of data delivery to the software in real-time.

    Security

    Data science is also helpful in making sure that the patients and the hospitals do not go through any kind of forgery. Using streamlined data, inconsistencies and frauds can be recognized much earlier, thus preventing loss of money and other resources. Big data tools will help in correcting the insurance procedures by preventing faulty and fraudulent insurance claims and also will make sure that patients are compensated while the hospitals are paid in time.

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    Source by Shalini M

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  • How to Protect Your Business From a Cyber Attack

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    What is your chief worry when it comes to business?

    Ask any business owner and it is VERY likely that you will get the same response: cyber attacks!

    Cyber attacks consistently remain the primary concern of most company owners.

    And there is good reason for that.

    Contemporary research concluded that in 2018 there were triple the amount of medical industry computer data breaches in the medical industry than the previous year, with more than 15 million medical records exposed!

    An independent 2019 inquiry led researchers to these findings: there were 1,200-plus data breaches leaving 440 million personal data exposed!

    But of all the studies, this conclusion resonates loudest among the average business owner. Fifty-eight percent of the total amount of 2018 cyber attacks were aimed at small business corporations. Swallow that statistic along with another one: data breach recovery expenses averaged about $385,000. all Perhaps most noteworthy is the same year’s Data Breach Investigations Report conducted by Verizon: 58 percent of all cyber attacks were directed towards small business, with recovery costs at an average of close to $385,000.

    What can a company – large, small or medium-sized – do to shield itself from becoming the target of a cyber attack? Aside from technical and learned safety tactics, a related insurance policy can be the catalyst of assistance to climb out of the mess created by hackers – with the coverage paying for associated losses.

    Here are just a couple of associated claims examples that prove the point.

    Two Data Breach Insurance Claim Scenarios

    Ransomware Coverage

    An employee working in one of the departments of a global agency accidentally opened an email that exposed the business computer system to a virus, possibly impacting up to six hundred and sixty servers all around the world.

    The agency chartered a global IT forensics enterprise to deal with the misfortune. This included getting the ransom amount that the hacker demanded, negotiating with the criminals and completing a forensic investigation.

    After the IT forensics team got the hackers to go down from the first ransom demand of $540,0000 to $450,000, insurance coverage stepped in, paying the ransom, allowing the decrypting to move forward.

    Negligence Coverage:

    A patient was livid when she discovered a nurse employed at the doctor’s practice where she had been treated exposed her medical records. She accused the nurse of passing on her private medical records as well as her personal data to other people. Adding insult to injury, said the patient, was that the nurse altered the records to include false information meant to humiliate her.

    The doctor’s office issued a statement that there is a standing policy of not allowing access and disclosure of patient information. Nonetheless, the nurse had crossed the lines of professional creed set down by the medical practice.

    The matter was resolved by a 5 digit out-of-court settlement which the insurance company covered.

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    Source by M Wyzanski

    Views: 0