SUVs Meet High End Luxury (And Are Kind to Your Wallet)

Sport Utility Vehicles (or SUVs) have become increasingly popular over the last several years, with more and more manufacturers adding their versions to the market. With their ability to function well as both on and off-road vehicles, large storage space, ability to fit several passengers as well as towing abilities, SUVs serve as a very practical solution for much of the automobile buying market. Quality SUVs also handle well, feeling much more like driving a car than a massive truck with many of the same benefits.

While SUVs have always held a certain authority and status due to their size, they are often placed in a separate, “practical” category from the truly high end luxury cars. Fortunately, a few upper-echelon manufacturers have released their own versions of the SUV, blurring the lines between practicality, performance, style, and luxury interior. These include:

– BMW X5

– Lexus GX

– Mercedes G and M classes

– Audi Q7

– Porsche Cayenne.

The BMW X5 Series is a mid-size SUV in the market since 1999. Features include all wheel drive, and V8 engines with gasoline inline. E53 and E70 are the two generations of the model. The E53 model has many features of Landrover. The E70 model is more of a Sports Activity Vehicle. Other luxuries such as high pressure headlight washers, heated front seats, heated steering wheel, leather seats, automatic climate control, automatic light control, and sun roof add to the comfort and luxury of the vehicle.

The Lexus GX can seat up to 8 passengers. It has many great features including a welded steel body, center locking permanent 4 wheel drive, built in mudguards, illuminated running boards, electronic 5-speed automatic   transmission , and the innovative, unparalleled luxury interior and amenities customary in all Lexus models. Models from 2004 and up feature additional safety modifications like tire pressure monitoring, roll-sensing, side curtain airbags, and a Dynamic Suspension System. Like most Lexus models, the GX has won several awards: 4 wheeler of the year, highest ranked luxury SUV for quality, and best resale value from sources like 4×4 Magazine, J.D Power and Associates, and Kelley Blue Book.

The Mercedes G-Class is a four-wheel drive sport utility vehicle launched in 1979, originally created for military use with a jeep-like look. The three generations of the vehicle are W460, W461, and W463, and it is hailed for its long lifespan and durability as well as off-road performance. The interior of the car is made of wood or leather. The automatic  transmission , power steering, airbag, central locking, air conditioning, engine pre-heater, electric windows, and heated seats really add to the sense of luxury.

The M-Class by Mercedes is a mid-size SUV introduced in the market in 1997, featuring stability control which helps in bringing the vehicle to a halt in case of emergency. Excellent features such as seven speed automatic  transmission , Active Curve illuminating Bi-Xenon headlights, 4-valve engines, and air suspension which can be adjusted are major attractions of the vehicle. The cars also use BlueTec Diesel engine for controlling diesel gas emissions. New front headlights, exterior mirrors, redesigned front grille, an improved interior, and front and rear bumpers add to the beauty of the car. The M class won the “Truck of the Year” in 1998 awarded by Motor Trend magazine. Also it was named “Best New Sports Utility Vehicle” in the year 2006 during Canadian Car of the Year Awards.

The Porsche Cayenne is a five-seat mid size luxury sports utility vehicle launched in 2002 with two generations. The engines in the models introduced from 2008 have direct injection technology. The main features of the car are height adjustable off-road suspension, slanted rear window, remodeled dashboard, taillights near the tailgate, lighter weight due to the usage of aluminum, and fuel efficiency. Owners love the climate control, cruise control, leather upholstery, heated front seats, power sunroof, radio control, and leather-wrapped steering wheel. Features such as a rear view camera, memory system, navigation system, sound system, climate control, and CD changer make the car an excellent marriage of luxury and SUV performance.

Price of course is always an issue, but these world class SUVs can be found online at surprisingly good deals. At the time of this writing, HighEndAutoAuctions.com has multiple BMW X5s under $15,000, several Cayennes under $20,000, and several steals on each of the other models. No matter which source you choose to purchase from, these models are sure to satisfy both your practical needs and luxury desires.

STD Symptoms in Men

Sexually transmitted diseases (STDs) in men are just as common in men as are in women. The difference is that some of these STDs are not as easily detectable in men. They can be cured through medication or through simple surgery and recurrences of the disease are unlikely. Because it is difficult to detect certain STDs in men it is advised that he gets checked on a yearly basis to ensure that he is in good health and that there are no diseases hiding within his system. This way he can get tested for STDs and begin treatment immediately.

Chlamydia

Chlamydia is one of the more common STDs a man can experience. It develops through contracting microbes called Chlamydia trachomatis. As per the Center for Disease Control (CDC), Chlamydia is the most common STD in the United States. Between 2004 and 2008, the rate of Chlamydia reported increased to 45 percent due to the advancements in STD testing methods and over the counter testing methods such as home STD testing kits. Chlamydia can typically be detected within one to three weeks after symptoms are presented.

Men infected with the disease will experience discharge from the penis, painful urination, and a burning or tingling feeling around the opening of the penis which can also be felt in the testicles. If Chlamydia is found in the rectal area, men will experience symptoms such as rectal discharge or draining and severe pain both during bowel movements and random times throughout the day if not all day. Additionally, Chlamydia can be transmitted to the throat through oral sex.

Gonorrhea

Gonorrhea is developed through contracting specific microorganisms called neisseria gonorrhoeae. Symptoms of gonorrhea include painful urination, white, yellow or green discharge from the penis, and swollen or enlarged testicles. Gonorrhea also affects the rectum and can be extremely painful. Symptoms a man could experience include rectal discharge, soreness, tingling sensations, rectal draining, and painful, hard, solid bowel movements. If gonorrhea has been contracted via oral sex, a man will experience a sore throat that will continue to get worse due to the many different types of bacteria already in the throat interacting with those microorganisms that cause gonorrhea. Gonorrhea can also cause epididymitis which is the curved portion at the back of the testicles where sperm matures; it is the swelling of the tube that connects the testicle to the vas deferens. Side effects can take anywhere from two to thirty days after contracting the disease. If left untreated, it can leave a man infertile and unable to have children.

Syphilis

Syphilis is one of those “silent but deadly” STDs. You could have syphilis for several weeks, months, and in rare occasions, years before experiencing side effects in any stage. The first phase of syphilis presents itself as sores around the genital area. This type of sore is called a chancre sore. It will appear as a hard, indented portion on your skin and typically disappears without treatment within three to six weeks. The second phase of syphilis rears in the form of a rash on the skin and mucous layers in the body. The rash could be extremely red and harsh or as tan spots that are most commonly found on the palms of the hands or the soles of the feet. Other symptoms you may experience include swollen lymph nodes, fever, sore throat, cerebral pain, random male pattern baldness, significant decrease in weight, and being unusually fatigued or exhausted. The rash is the biggest indicator of how severe the disease is; while it will go away on its own without treatment, once it goes away it serves as the primary indicator that the disease is now in the advanced stages. In the late stages of syphilis, a man will not show any visible side effects. However, while side effects may not be visible, the disease will essentially “eat away” and attack the major organs. In this stage, the disease begins to attack the brain, heart, liver, bones, and joints. A man can experience loss of motion, numbness, changes in vision to the point where he may eventually become blind, dementia, and the inevitable, death.

Herpes

Herpes is the most common form of STDs. It develops by contracting the herpes simplex infection 1 (Hsv-1) or herpes simplex infection 2 (Hsv-2). However, genital herpes is most commonly developed by contracting the Hsv-2 virus. The herpes virus first presents itself as one or more rankles in the genital or rectal areas of the body. These are open sores that turn into ulcers on the genitalia and rectum and can take a man five or more weeks to get rid of the virus. When the flare up is first noticed, it is the most painful, the most intense, and the most excruciating pain a man will experience. As time goes on, these episodes are less successive and less uncomfortable.

Human Immunodeficiency Virus

Human Immunodeficiency Virus, or HIV, attacks the immune system leaving a man extremely vulnerable to catching other severe illnesses. Most times when a man who has contracted the HIV virus, he may experience no symptoms of the disease. It isn’t until he becomes ill with another type of illness that HIV is detected. Flu-like symptoms such as a fever, sore throat, and swollen lymph nodes can begin to rear two to six weeks after being infected with the HIV virus. Other very common symptoms of traditional illnesses that are often seen with HIV include diarrhea, unexplained weakness, mouth sores, and a rash. These symptoms may take 10 years or more to even appear if the typical flu-like symptoms don’t appear. Having additional STDs can increase your chances of contracting the HIV virus.

Testing for STDs

Getting STD testing is more accessible than it used to be. Now, you can walk into any pharmacy and buy an STD at home testing kit which will detect certain types of STDs but not all. Testing at home has become the more common method of testing to avoid the embarrassment factor of going to their doctor. If a man suspects he has contracted a more advanced STD than what a home testing kit can detect, it is imperative he be tested as soon as possible by his doctor so the disease can be treated promptly. With home STD testing kits, a man can obtain his test results online and can take those results with him to his doctor to begin a treatment regimen for the disease. If needed, additional testing will be done to pinpoint the exact STD he has contracted.

Choosing a Medical Transcription School

In addition to the medical transcription courses you can take at community colleges or trade schools, you can also complete a course online or have the course sent to your home to complete.

If you take an online course or are completing your course at home and are working at the time of taking your course, it can be very beneficial as you get to choose your own hours for studying and testing. If you are either not working or only working part time you can probably complete your course in less than 6 months. If you are working full time it will probably take you longer. It is up to you to choose the time frame you are comfortable with. There won’t be someone standing over you telling you to hurry up. You will set your own schedule and the amount of time you will be spending on your course.

When you are researching your school be sure you check out their support staff. This can be very important during your training. You want to be able to contact them and get a response quickly to your questions. A lot of the top schools have chat rooms and forums where you can communicate and interact with other students. This can be very helpful and can sometimes get you a lead to a job when you finish your schooling.

Your course should consist of not only textbook lessons but also in getting to transcribe actual doctor’s dictations. This is something you can really only learn by doing. One of the most important things you will need to learn is how to correctly interpret the doctor’s voice dictations. This will take practice. But the more that you practice the better prepared you will be to become a medical transcriptionist.

There are many medical procedures and fields that you will learn during your course. One of the most important is medical terminology. This is the basis for every medical term you will be typing. You will also be learning disease processes, some training in specialties such as gynecology, GI and GU, dermatology, chiropractic terms and procedures, physiology, and many others.

You need to have a broad knowledge of all different types of fields because you don’t know what your first position will be. Maybe working in a pediatrician’s office or a psychiatrist’s office. Working for a clinic is a good place to start and has a combination of many different diagnoses and treatments from a sore throat to a cut toe. It will be good experience to get you started on the right track.

A lot of the medical transcription schools have started giving some training in different types of medical transcription software and types of transcription equipment. With the internet playing such a large role in medical transcription today, you will need to familiarize yourself with different applications and transmission formats. You will need to have a compatible system with the health care providers you will be working for.

Do a thorough research of the many medical transcription school programs that are out there now. Find the one that suits your needs for convenience and financially. Some programs have a payment system for monthly payments, some require half down and monthly payments, and some require the entire fee up front.

Using Power Tools 101

The power tools of today are not the same as the ones that were carefully placed on the pegboard near your grandfather’s workbench- they are actually quite far from it. Modern technology has made amazing advances in the simplest of features, including automatic shut-off, enhanced guarding and more resilient materials just to name a few. But one trait has come to be worth its weight in gold within the power tool industry, and that’s the owner’s manual.

Today’s manuals not only have better graphics showing its users what each part of the device should look like (and what to do when it doesn’t), many individual manufacturers will have explicit directions and instructions for the safety and maintenance of each individual power tool. Of course, no instructions are completely fool proof, especially if the content of such manuals isn’t completely understood by the user. This is why many manufacturers have implemented training seminars and classes for both companies and individuals on the proper procedures for optimum performance and safety. Local home improvement stores often hold such classes and seminars on a regular basis.

However, a bit of common sense and know-how never hurt anyone, so there are a few safety guidelines which should be followed by all users of power tools. For example, wearing the proper clothing is essential, and you should never wear loose clothing that could easily get caught in a power tool. Safety gear is crucial- hard hat, safety goggles and gloves, along with the proper footwear. Using the right tool, whether it be size or something else, for the job at hand, including the right type of extension cord (indoor, outdoor, proper length) if applicable. The work area should be clean, uncluttered and well lit. Keep all electric tools away from water and flammables. Do not use power tools with frayed or damaged cords. Damaged parts anywhere in a power tool, including saw blades and drill bits, can cause damage to the tool itself or the individual performing the task. Unplug all electric power tools when finished with or before changing to another tool.

As far as the maintenance aspect of such power tools, common sense is again of the highest importance. For example, making sure that the proper guards are placed on saw blades when not in use is both a safety and maintenance issue. Saw blades need to be sharp to deliver the best performance possible, but can also be incredibly dangerous, so taking the proper preventive measures will yield the best results in all aspects, not just project outcome.

For more information on power tool basics, the U.S. government has many publications that can be of high value to consumers. The U.S. Consumer Product Safety Commission offers product recall information, and OSHA has a few such publishings regarding both general industry and personal use of power tools.

The Top Three Benefits of Changing Transmission Fluid

There has always been some debate on the pros and cons of changing your transmission fluid on a routine basis, per your vehicle owner’s manual recommendation. One of the many rumored suspicions is that doing so will open your car up to having dreaded transmission issues sooner. To debunk those conspiracy theories, let’s get into the meat of the topic and explore, together, why it absolutely makes sense to change it regularly; and how not doing so could actually cause your car to run sluggishly – potentially costing you precious pennies in the long run!

1) Heat is the enemy

The number one reason that manufacturers recommend you change your transmission fluid regularly is because it degrades as it continually heats up during driving. There are exhaustive studies about the precise temperatures in which its effectiveness actually wanes. Suffice it to say that most owner’s manuals duly recommend changing your fluid every 30,000 miles. There is one exception to this rule: newer vehicles using Dexron III ATF fluid can often go up to 100,000 miles before needing to be changed. As you drive, and the transmission heats up, the viscosity of your fluid changes; over time, this heat causes transmissions to burn up and this is the single-most cause of transmission repairs today – burned up transmissions.

2) Gunk and sludge

As your transmission continues to heat up and it continues to break down, your car’s transmission components begin to get bogged down with gunk and sludge. You don’t need to be a rocket scientist to know that gunk and sludge are going to clog up your transmission gears, causing unnatural wear and tear on your vehicle’s transmission. If you want your transmission to continue to operate smoothly, it is vital to keep it clean.

3) Leaky seals and putrid odors

No, I’m not talking about a horror flick here. A well-maintained machine is one whose owner regularly checks the transmission fluid levels – yes, using the dipstick! You should ideally check your transmission fluid level when your engine is warm and idling. Transmission fluid should be bright red and should smell sweet, not putrid or rancid. It shouldn’t be brown or black or even dark red. It should look like the tip of the spindle after Sleeping Beauty pricked her finger. If your transmission fluid level is low, or the color is not right, it’s time to change your transmission fluid and check (or have checked by the mechanic) all of the seals around the transmission for leaks.

If you want your transmission to last throughout the life of the car, it is imperative that you change your transmission fluid regularly, following your owner’s manual guidelines and a few common sense rules. In today’s world of disposable everything – neglecting your transmission can be a rude awakening to your wallet. The potential costs associated with ignoring the routine maintenance guidelines on your transmission could total thousands of dollars that would be better spent on a nice, warm vacation to a sunny spot this summer.

Top 10 Motorcycles Songs

1. Meatloaf – Bat out of Hell

Released in 1979, and again in 1993 it was written by Jim Steinman with lead vocals from Meatloaf. Steinman was insistent that the song should contain the sound of a motorbike engine being revved, and complained to producer Todd Rundgren in the final recording session when it was not added. Rather than use a recording of a real motorcycle, Rundgren himself played the section on guitar, leading straight into the solo without a break.

2. The Doors – Riders on the storm

Taken from their 1971 album, LA woman this song reached number 22 spot on the UK singles chart. The song was inspired by Ghost Riders in the Sky: A Cowboy Legend.”

3. The Eagles – Life in the Fast Lane

This is the third single from the Album Hotel California which was written by Joe Walsh, Glenn Frey and Don Henley and reached number 11 in the Billboard Hot 100

4. Steppenwolf – Born to Be Wild

Born to be wild was Initially released in 1968 and was used on the soundtrack for the famous motorcycle movie Easy rider, staring Jack Nicholson and Peter Fonda riding Harley Davidson Hydraglide bikes from 1949, 1950 and 1952

5. Bruce Springsteen – Born to Run

Written in Long Branch, New Jersey in 1974 the song is a love letter to a girl called Wendy. Springsteen himself is a celebrated bike fan. He recently auctioned off his Harley Davidson at the NY Comedy Festival Event ‘Stand Up for Heroes: A Benefit for the Bob Woodruff Family Fund‘ for US$ 85,000.

6. Rush – Ghost Rider

This song is based on the motorcycle story Ghost Rider: Travels on the Healing Road. by Rush’s drummer and lyricist Neil Peart. Peart embarked on a 14 month 55,000 mile motorcycle journey across America after losing two of his family members.

7. Manic Street Preachers – Motorcycle Emptiness

This single by Welsh Rock band Manic Street preachers was inspired by a book by SE Hilton called Rumble Fish and is about biker gang culture. The lyrics have been interpreted by some as an attach consumer/capitalist lifestyle and how young people are expected to conform.

8. Shangri-Las – Leader of the Pack

This song became number one on the Billboard Hot 100 in November 1964 and is about a girl called Betty who is seeking her parent’s disapproval by dating Jimmy, the leader of a motorcycle gang. Her parents claim he is from the “the wrong side of town” and will be a bad influence on her.

9. Bob Seger – Roll Me Away

Roll Me Away was written in 1982 by Bob Seger on the album The Distance by Bob Seger and the Silver Bullet Band. Tit reached number 27 on the Billboard Hot 100 char

10. Prince- Purple Rain

The song Purple Rain, taken from the album of the same name reached number 2 in the America charts. The album was thought by many as among the best rock albums ever it was ranked by Rolling Stone Magazine as the second best album of the 1980s.

IPv4 Vs IPv6 (Advantages and Disadvantages)

We can see the rapid growth of internet users in last few years and this increase also create challenges for internet management groups, stake holders and service providers. Day by day infrastructure of internet is expanding and we can even enjoy the service of internet in villages and remote areas. Increased of usage also increase online devices. In start internet protocol addressing (a specific IP addressing for each online entity) was designed on 32 bit and this scheme IP version called IPv4.IPv4 addressing is like 203.128.076.001. decimal is used to make the IPv4 addresses more palatable for humans and a 32-bit address becomes 4 decimal numbers separated by the period (.) character. If we calculate these decimal values and we can get the total number of devices can be participate on this protocol (256x256x256x256) = allows for 4,294,967,296 addresses. It is about 4 billion of addresses and in early days of internet no one can think, 4 billion slot will be full. here we shall discus some disadvantages of IPv4 as we have seen addressing capability problem and after that we shall go through the solution which will replace IPv4 and addressing structure of the new addressing scheme. we shall go through some disadvantages of IPv4 and new features of IPv6.

Rapid Growth of the Internet and the Exhaustion of the IPv4 Addressing

IPv4 allows for 4,294,967,296 addresses which is about 4 billion and IP allocation limits the public IP addresses to a few hundred million. Cause of this limitation companies using NAT (Network Address Translator) to map single public IP to multiple private IP addresses.

IPv4 Security at IP Level

When we communicate at public medium we need to encrypt data to maintain security and privacy. After a passage of time we have now security for IPv4 packets. This security knows as internet protocol security or IPSec but this is an optional for IPv4.

Internet Backbone Maintaining Large Routing Tables

In IPv4 network IDs allocation is very critical and currently more than 87000 routes in the routing tables of internet backbone routers today. The routing infrastructure is based on flat and hierarchical routing.

Quality of Service Concern in IPv4

Now a days internet users are not only limited with browsing and searching data. Current users are well aware of text and voice and video chat and video conferences and online video libraries. This kind of communication need real time data transfer for quality of service. Normally for these kind of services we use UDP (User Data-gram Protocol) or TCP (Transmission Control Protocol).IPv4 TOS field has limited functionality and, over time, has been redefined and locally interpreted. Additionally, payload identification that uses a TCP or UDP port is not possible when the IPv4 packet payload is encrypted.

IPv6

As we can see we have some basic problems in practice of IPv4 now we will check some new features of IPv6. here I like to describe the some of basic features of IPv6. Deployment of IPv6 is a big challenge for internet management groups, stake holders and service providers. It is difficult but not impossible. We can see benefits of IPv6 here. Biggest upgrade jump from IPv4 32 bit to IPv6 128 bit.

IPv6 Header Format

New header is designed to minimize header overhead. by moving both nonessential and optional fields to extension headers that are placed after the IPv6 header. IPv6 header is more efficiently processed at intermediate routers and that generates efficiency. IPv6 is 4 time larger than IPv4 and its header size is twice than older version.

IPv6 Large Addressing Space

In IPv6 source and destination addresses is based on 128 bit. 128 bit addressing can produce over 3.4 x 1038 possible combinations. Currently we can say this is enough but who know about future may be it also face same problem like IPv4 after some decades. 128 bit addressing allow us multiple levels of sub-netting and address allocation. So we can say that we have plenty of address for use in future.

Addressing and Routing Infrastructure Efficiency in IPv6

IPv6 designed to create an efficient, hierarchical, and summarize able routing infrastructure that is based on the common occurrence of multiple levels of Internet Service Providers. It reduce the size of routing table of backbone routers. Which is can cause of efficient internet experience.

Security features is now built-in

IPv6 has been design to support IPsec (AH and ESP header support required) also support mobility version Mobile IPv6. IPSec based on two types of extension headers and a protocol to negotiate security settings. The Authentication header (AH) provides data integrity, data authentication, and replay protection for the entire IPv6 packet. It is better form developers who built-in security features in development of IPv6 rather we bolt on later.

Quality of Service (QoS) of IPv6

As we have already seen about the UDP and TCP protocols for streaming and other multimedia services on internet. Cause the usage of these services are increasing day by day IPv6 have a flow level field in its header which make better and special handling for packets from source to destination. Data traffic is identified in the IPv6 header, support for QoS can be achieved even when the packet payload is encrypted with IPSec and ESP.

Bloodborne Pathogens – Preventing Disease Transmission

Imagine receiving a call that an employee has been injured from a fall down a flight of steps at your facility. The caller tells you that 911 has been called and some of your fellow employees are tending to the victim. As a supervisor, you decide to respond to the scene.

You arrive just as firefighters and paramedics take over caring for the victim. These rescuers do their job well – the victim is stabilized, wrapped up for transport to the hospital and gently placed on the stretcher.

As you watch, you can’t help but notice that the firefighters and paramedics are wearing medical gloves and goggles. As EMS (emergency medical services) personnel leave the area, you approach the employees who helped to thank them for their efforts. Almost immediately you become aware of a very frightening sight – both of the rescuers have fairly large spots of blood on their clothing and, even more upsetting, both are using paper towels to wipe the blood off of their hands. It is obvious that these employees did nothing to protect themselves from disease transmission and both have been contaminated with the victim’s blood.

Wearing PPE (personal protective equipment) is an important part of professional rescuers’ equipment. They know that protecting themselves from bloodborne pathogens is, in some ways, just as important as caring for the victim. But what about your people – do they know the risks associated with not wearing protective equipment?

If your company provides first aid kits for employee use or if your employees are required to respond to a medical emergency, they should have access to protective equipment and receive training on bloodborne pathogens.

ASSESS YOUR OPERATION’S RISK FOR EXPOSURE – I was recently asked to evaluate exposure risks for an association of tow truck operators, body shop technicians and auto mechanics. These people lacked training on bloodborne pathogens.

Tow truck operators wear thick, leather work gloves and routinely pick up bloodstained windshields or wrap contaminated airbags around steering columns. Body shop technicians pull contaminated seats from wrecked vehicles and then sit on them during their breaks or at lunchtime. Mechanics have a tendency to cut their knuckles or foreheads while repairing vehicles. They also share tools with fellow employees – tools that are contaminated with blood from their last injury.

I know you’re not in the automobile repair business. The examples above are intended to get you thinking about your own operation’s risks of exposure to potentially dangerous body fluids. Do you have a first responder team or people assigned to respond to an emergency? Are first aid kits available to employees? Do employees share equipment or tools that could become contaminated? Who is responsible for cleaning up body fluids after an accident or injury?

Without proper communication policies and training in preventing disease transmission, your employees could find themselves exposed to the same dangers paramedics and firefighters face while coming to their aid.

So what can you do to reduce the risk of exposure? Let’s start with defining bloodborne pathogens and the impact that exposure to them can have on employees and employers.

CONTAMINATION PREVENTION GUIDELINES – Bloodborne pathogens are pathogenic microorganisms that are transmitted via human blood and cause disease in humans. They include – but are not limited to – hepatitis B and human immunodeficiency virus (HIV).

I know for many people (myself included) words like microorganisms, immunodeficiency and pathogens bring back thoughts of high school and health classes – the last places in the world most of us want to revisit. So before we go any further, let me put it in my terms: There’s a lot of junk out there that can make us very sick, or even kill us if we become contaminated.

We need to constantly be on guard and be very careful so that we don’t become contaminated. I’ve been teaching CPR and first aid training for over 25 years, and I’m often asked if I would do rescue breathing without a barrier on someone I do not know. I respond without hesitation: If I found someone unresponsive and not breathing, I would immediately call for help and begin chest compressions on the victim, but there is no way I would do mouth-to-mouth on the individual without a breathing barrier.

Emergency responders know the risks associated with coming in contact with bloodborne pathogens, and they know how to protect themselves. Unfortunately, far too many people in the workplace or good Samaritans on the street do little, if anything, to take the necessary precautions. Too often they realize they’ve been exposed to body fluids after the emergency, when it’s too late to do anything about it.

EMPLOYEES – Here are a few simple rules to follow when faced with the possibility of exposure to bloodborne pathogens, or any body fluids for that matter. This information is presented as guidelines for both employees and employers. The American Heart Association calls it “Making a PACT, Know How to Act.”

PROTECT – Protect yourself from blood or blood-containing materials. This includes wearing protective equipment such as gloves and goggles and using a breathing barrier if you are performing CPR. Consider your options if you find yourself with no protective equipment.

ACT – If you find you have come into contact with another person’s blood or other body fluids, act quickly and safely. Wash the area immediately with hot, soapy water for up to a minute before rinsing. If your eyes have been contaminated, flush them with clean water for up to five minutes. If a flushing agent is not available at the scene, have someone get water for you. Firefighters or paramedics can assist you if they are still at the scene.

CLEAN – After an emergency, especially in the shop area or office, clean any areas contaminated with blood or body fluids. Wear protective equipment. Clean the area with a solution of one part Clorox and eight parts water. Completely flush the area and let the solution stand for at least three minutes. Be careful when wiping up the area, especially if you are dealing with broken glass or wood or metal splinters. Put all soiled items, including soiled cleaning materials, in a plastic bag and take it to the dumpster as soon as you are finished. If there is an injection device (such as a needle) involved, try to give it to the medics or firefighters before they leave; otherwise, get it in the dumpster and use extreme caution while doing so.

TELL – Report the incident immediately to your supervisor or human resources department. Ask for a dated copy of the report (even if it is only handwritten).

EMPLOYERS’ RESPONSIBILITIES – Employers have a responsibility to protect their employees from exposure to bloodborne pathogens. Here are the specifics of this responsibility.

PERSONAL PROTECTIVE EQUIPMENT – Any employee at risk of being exposed to bloodborne pathogens must be provided with the protective equipment necessary to keep them safe from exposure. This equipment includes gloves, goggles and, if required, breathing masks or barriers for CPR.

EDUCATION – Not all professions require bloodborne pathogen education and prevention training.

A call to OSHA (Occupational Safety & Health Administration) may or may not give you the answer you are looking for. It appears as though OSHA looks at a number of factors when determining whether an employer does or does not have to comply. For example, if you offer voluntary CPR/first aid training to your employees, they may not be required to take bloodborne pathogen training. If you have designated first aid responders within your organization, you probably fall under the training requirements.

Many of you know your employees’ occupational exposure risk. If you have personnel who are routinely or even occasionally exposed to blood or body fluids in the execution of their duties, you may want to consider offering protective equipment and training to these employees.

ENGINEERING CONTROLS – Engineering controls help to protect employees from bloodborne pathogen contamination and prevent the spread of pathogens in the workplace. Here’s an example of engineering controls: An employee using his leather work gloves realizes he has come in contact with body fluids and the gloves are contaminated. Two controls should be in place to protect the employee. First, knowing his exposure risk, the employer should have a spare set of gloves on hand so that the operator can complete his job. Second, the company should have a procedure for disposing of or cleaning the soiled gloves.

WORK PRACTICES – Setting standard practices for preventing disease transmission is a very important part of an employer’s responsibility in protecting employees.

In the case of the body shop previously mentioned, good work practices would include establishing a policy requiring workers to wrap plastic around seats pulled from a wrecked vehicle and prohibiting them from sitting on the seats, even with the plastic cover in place.

Providing employees with their own toolboxes is another good practice. If they share tools, have a policy in place for cleaning and decontaminating tools, especially after an accident or injury. Moreover, make sure employees know the importance of disposing of or cleaning contaminated personal protective equipment.

Finally, offer a course in bloodborne pathogen training. It is an excellent way to communicate the importance of preventing disease transmission and protecting your company from a huge liability/workers compensation claim.

HAVE A WRITTEN POLICY AND REPORTING PROCEDURES IN PLACE – As I previously mentioned, implement policies related to bloodborne pathogens at your operation. Start small, then expand on the policies as new issues surface. Communicate with your people. Make sure they know the reporting procedures and the importance of reporting any possible contamination.

OSHA has templates for creating your own company bloodborne pathogens policy and/or procedure. Simply download the forms, fill in the blanks with your company name, etc., print them out and you’re good to go. Additional information can be obtained by calling your regional OSHA office.

TRAINING, POLICIES ARE WORTHWHILE INVESTMENTS – I am a business of one, but if I did have employees, I can assure you – they would be trained on bloodborne pathogen risks and contamination prevention, and my company would have a policy in place. It’s the right thing to do for a business, its employees and the employer. And just imagine how good it would feel to know that your operation is in compliance should OSHA officials decide to visit.

Invest an hour for setting up your program, distribute the information to your employees and arrange for a 30-minute bloodborne pathogen education and prevention class. The investment is small, but the dividends to you and your employees will be huge.

5 Simple Steps to Having a Healthy Pregnancy

If you’ve decided to have a baby, the most important thing is that you care a lot, so that both you and the baby are healthy in the future. Girls who receive proper care and take the right decisions are highly likely to have healthy babies.

Prenatal Care

If you discover you are pregnant, see a doctor as soon as possible to begin receiving prenatal care (care during pregnancy). The sooner you begin receiving medical care, the better the chances that both you and your baby are healthy in the future.

If you can not afford to visit a doctor or pay for the consultation in a clinic for prenatal care, social service organizations exist that can help. Ask your parents, school counselor or another trusted adult to help you find resources in your community.

During the first consultation, the doctor will make a lot of questions, such as date of your last period. In this way, you can calculate how long have you been pregnant and what date you expect your baby.

Doctors estimate the duration of pregnancy in weeks. The due date is estimated, but the majority of babies born between 38 and 42 weeks after the first day of last menstrual period of women, or between 36 and 38 weeks after conception (when the sperm fertilizes the egg). Only a small percentage of women giving birth at the estimated delivery date.

The pregnancy is divided into three phases, or quarters. The first quarter runs from conception to end of week 13. The second is from week 14 to 26. The third, from week 27 until the end of pregnancy.

The doctor will examine you and perform a pelvic exam. The doctor will also order blood tests, urine tests and tests to check for sexually transmitted diseases (STD by its acronym in English), including an HIV test, an increasingly common condition in adolescents. (Because some STDs can cause serious health problems in newborns, it is important to get appropriate treatment to protect the baby.)

The doctor will explain what are the physical and emotional changes that are likely to experience during pregnancy. We also learn to recognize the symptoms of possible problems (complications) during pregnancy. This is essential, because teenagers are at greater risk of crossing certain complications such as anemia or hypertension, and give birth before the expected date (premature labor).

Your doctor will want to start taking prenatal vitamins containing folic acid, calcium and iron away. Your doctor may prescribe vitamins or can recommend a brand you can buy without a prescription. These minerals and vitamins help to ensure the good health of baby and mother, and avoid certain birth defects.

Ideally, you should visit your doctor once a month during the first 28 weeks of pregnancy. Then you should visit every 2 weeks until week 36 and weekly thereafter until delivery. If you have a disease like diabetes, which requires careful monitoring during pregnancy, it is likely that your doctor wants to see you more often.

During consultations, your doctor will monitor your weight, blood pressure and urine, in addition to measuring your belly to go record the baby’s growth. When the baby’s heartbeat can be heard with a special device, the doctor will listen to every time you visit. It is likely that your doctor will also indicate other tests during pregnancy, such as an ultrasound to make sure the baby is in perfect condition.

Also part of prenatal care to attend classes where women who are expecting a baby learning how to have a healthy pregnancy and delivery, as well as what are the basic care for the newborn. It is likely that these classes are conducted in hospitals, medical centers, schools and universities in your area.

If adults can be difficult to talk to your doctor about your own body, this is even more difficult for adolescents. The role of your doctor is to help you enjoy a healthy pregnancy and have a healthy baby… and it is likely that there is nothing that a pregnant woman has not told. So do not be afraid to ask about everything you need to know.

Always be honest when your doctor will ask questions, even if they are embarrassing. Many of the issues that your doctor wants you to cover could affect the health of your baby. Think of your doctor as someone who is not only a resource but also a friend you can trust to talk about what is happening to you.

What changes can you expect in your body

Pregnancy creates many physical changes. Here are some of the most common:

Growth of breasts

The increase in breast size is one of the first signs of pregnancy and the breasts may continue to grow throughout pregnancy. It is possible to increase several sizes of support during the course of pregnancy.

Skin changes

Do not be surprised if people’s comments that your skin looks “glowing” when you’re pregnant: pregnancy produces an increased blood volume, which can make your cheeks are a little more pink than usual. In addition, hormonal changes increase the secretion of the sebaceous glands, so that your skin may look brighter. For the same reason, acne is also common during pregnancy.

Among other changes that pregnancy hormones generated in the skin are yellowish or brownish spots that appear on the face, which are called melasma, and a dark stripe running from the navel to the pubis, which known as linea nigra.

Also, moles or freckles that you had before pregnancy may increase in size or become darker. Even the areola, the area around the nipple becomes darker. Stretch marks may also occur (thin lines of pink or purple) in the abdomen, breasts or thighs.

Except for the darkening of the areola, which is usually permanent, these skin changes will disappear after delivery.

Mood swings

It is very common to experience mood swings during pregnancy. Some girls may suffer from depression during pregnancy or after childbirth. If you have symptoms of depression such as sadness, changes in sleep patterns, desires to hurt yourself or negative feelings about yourself or your life, ask your doctor for advice about starting your treatment.

Pregnancy Discomforts

Pregnancy can cause some unpleasant side effects. Among such disorders, include the following:

  • nausea and vomiting, especially during the first months of pregnancy;
  • leg swelling;
  • varicose veins in the legs and the area around the vaginal opening;
  • hemorrhoids;
  • heartburn and constipation;
  • back pain;
  • fatigue and
  • sleeping problems.

If you suffer from one or more of these side effects, remember that you are not alone. Ask your doctor for advice on how to handle these common problems.

If you are pregnant and have bleeding or pain, contact your doctor right away, even if you decided to terminate your pregnancy.

What you should avoid

If you smoke, drink alcohol or use drugs during pregnancy, both you and your baby are at risk for serious problems.

Alcohol

At present, doctors believe it is not advisable to drink a drop of alcohol during pregnancy. If you drink alcoholic beverages can damage the developing fetus and the baby is at risk for birth defects and mental problems.

Smoke

Smoking during pregnancy carries some of the following risks: the birth of a dead fetus (when a baby dies inside the womb), low birth weight (which increases the possibility that the baby has health problems), infants infants (babies born before 37 weeks) syndrome and sudden infant death (SIDS for its acronym in English). SIDS is the sudden death for no apparent reason, a baby under one year.

Drugs

Illegal drugs such as cocaine or marijuana during pregnancy may cause abortions, premature births and other health problems. In addition, babies can be born with an addiction to certain drugs.

If you have trouble quitting smoking, drinking alcohol or using drugs, ask your doctor to help you. Consult your doctor before taking any medication during pregnancy. This includes medicines sold over the counter, prepared herbal supplements and vitamins.

Unsafe Sex

Talk to your doctor about sex during pregnancy. If your doctor allows you to have sex during pregnancy, you should use a condom to avoid contracting a sexually transmitted disease (STD in English). Because some STDs can cause blindness, pneumonia or meningitis in the newborn, it is important for you to protect yourself and protect the baby.

How to take care during pregnancy

Feeding

Many young people are concerned by the appearance of your body and fear of weight gain during pregnancy. But this is not the time to cut calories or go on a diet because you are feeding two people. Both you and your baby need certain nutrients for the baby to grow properly. If you eat a variety of healthy foods, drink enough water and you reduce the junk food, high fat, help to both you and the baby are healthy and growing.

Doctors generally recommend adding about 300 calories a day to the diet, so as to provide the baby with adequate nutrition growth. According to the weight you had before becoming pregnant, you should gain between 11 and 15 kilos (25 to 35 pounds) during pregnancy, mostly during the last 6 months. Your doctor will advise you about this depending on your particular situation.

Eat more fiber from -25 to 30 grams daily, and drinking enough water can help prevent common problems such as constipation. Fruits and vegetables and whole grain breads, cereals or whole wheat muffins are good sources of fiber.

It is necessary that you avoid some foods and beverages during pregnancy, such as:

  • some types of fish such as swordfish, canned tuna and other fish that may have a high content of mercury (your doctor can help you decide which fish to eat);
  • foods containing raw eggs, such as mousse or salad type “Caesar”;
  • raw meat, fish or just cooked;
  • processed meats such as sausages or cold cuts;
  • Unpasteurized soft cheeses such as feta, brie, blue or goat, and
  • milk, unpasteurized juice or cider.

It is also desirable to limit the consumption of artificial sweeteners and caffeine and artificial sweeteners.

Exercise

Exercising during pregnancy is good for your health when you have no complications with the pregnancy and choose appropriate activities. Doctors generally recommend low-impact activities such as walking, swimming and yoga. In general, you should avoid contact sports and high impact aerobic activities that pose a higher risk of injury. It is also not recommended to do a job that involves heavy lifting for women during pregnancy. Talk to your doctor if you have questions about what kind of exercises are safe for you and your baby.

Sleep

It is important to get plenty of rest during pregnancy. During the first months of pregnancy, trying to acquire the habit of sleeping on your side. As pregnancy progresses, lying on your side, knees bent, will be the most comfortable position. It will facilitate the functioning of the heart, since the baby’s weight will not exert any pressure on the vein that carries blood from the feet and legs back to the heart.

Some doctors specifically recommend that pregnant girls should sleep on his left side. Because some of the major blood vessels are in the right side of the abdomen, lying on the left side helps keep the uterus puts pressure on them. Ask your doctor what your recommendation. In most cases, the trick is to lie on either side, to reduce pressure on the back.

Throughout the pregnancy, but particularly in the later stages, it is likely that you wake up frequently at night to go to the bathroom. While it is important to drink plenty of water during pregnancy, try to drink more during the day instead of night. Go to the bathroom before bed. As the pregnancy progresses, you might be hard to find a comfortable position in bed. You can try placing pillows around and under the stomach, back or legs to feel more comfortable.

Stress can also affect sleep. Perhaps you’re concerned about the health of the baby, birth, or how it will play this new role of mother. All these feelings are normal, but can produce insomnia. Talk to your doctor if you have trouble sleeping during pregnancy.

Emotional Health

It is common for pregnant adolescents experience a variety of emotions such as fear, anger, guilt, confusion and sadness. Maybe you take some time to adjust to the fact that you are having a baby. It means a huge change and it is natural for pregnant teens wonder if they are ready for the responsibilities involved in becoming mothers.

The feelings of a young often depend on how much support received by the baby’s father, his family (and family of the baby’s father) and his friends. The situation of each youth is different. Depending on your situation, you may need to seek more support for people who are not part of your family. It is important to talk with people who can support you, guide you and help you share and sort out your feelings. Your school counselor or nurse can guide you to find the resources offered to help your community.

In some cases, teenage pregnancies and spontaneous abortions have lost the baby. This can be very sad and difficult to overcome for some, but to others it causes a feeling of relief. It is important to talk about these feelings and receive support from friends and family, if this is not possible, go to counselors or teachers.

The school and the future

Some girls plan to raise her baby by themselves. Sometimes grandparents or other family members help them. Some young people choose to deliver her baby for adoption. These difficult decisions involve a great deal of courage and concern for the baby.

Young women who have completed high school will have greater chances of getting a good job and enjoy a more successful life. As far as possible, you should finish high school now instead of trying to go back to school later. Ask your school counselor or a trusted adult that you provide information about what programs and classes offered in the community for pregnant teens.

Some communities have support groups especially devoted to teen parents. In some schools, no childcare. Perhaps a member of your family or a friend can take the baby while you’re at school.

You can learn more about what happens when you mother if you read books, attend classes or consultations reliable websites on parenting. Your pediatrician, your parents, your family members and other adults can guide you when you’re pregnant and when you become a mother.

What Is The Difference Between Investment Management and Stockbrokers?

The investment services industry can be daunting and ambiguous for individuals who seek a return on their capital. After working hard earning your wealth, it is important to understand the different services offered by professionals and what solutions fit you personally. One of the main questions we get asked here is:

“What is the difference between investment management and stockbrokers?”

Firstly, let’s discuss what stockbrokers are – we all have a much better, clearer, idea of what they do and who they represent. Stockbrokers are regulated firms that offer financial advice to their clients. A stockbroker buys and sells equities and other securities like bonds, CFDs, Futures and Options on behalf of their clients in return for a fee or commission. A brokerage / stockbroker will receive a fee on each transaction, whether the idea is profitable or not.

A brokerage can specialise in any investment niche they wish for example:

  • FTSE All-Share stocks,
  • AIM stocks,
  • European Stocks,
  • Asian Stocks,
  • US Stocks
  • Combinations of the above
  • Straight equities,
  • Straight derivative trading (CFDs, Futures & Options)

The main reason why investors choose stockbrokers over any other professional investment service is simply down to control. Due to the nature of a brokerage firm, they can only execute a trade after you instruct them to do so. This means it is impossible for a brokerage to keep buying and selling securities without you knowing – known as churning for commission. This doesn’t however prevent stockbrokers providing you with several new ideas a week and switching your positions to a new idea.

However, there are natural flaws with the brokerage industry is that because trading ideas can only be executed after being instructed to list a few flaws;-

  • you may miss out of good opportunities due to moves in the market,
  • you may get in a couple of days later because you were busy and not make any money after fees,
  • you may receive a call to close a position but unable to without your say so.

The above are examples that can happen when investing with brokerage firms, but this is due to the reliance of gaining authorisation from their clients. So if you are ultra busy or travel a lot then you could potentially miss out on opportunities to buy or sell.

What are investment managers?

Now we understand what stockbrokers / brokerage firms are about, let’s discuss what investment management services can do for individuals.

Investment management firms run differently to brokerages. The core aspect to these services is that the professional investment managers use their discretion to make investment decisions. As a client of an investment management firm you will go through a rigorous client on boarding process (just like a brokerage firm) to understand your investment goals, understanding of the services being used, risk profile, angering to the investment mandate and allowing the service to manage your equity portfolio. The sign up with the service may seem long winded but it’s in your best interest to ensure the service is suitable and appropriate for you. In reality, it’s not a long winded process at all. Once you agree to the services offered then you will only be updated on the on-going account data and portfolio reporting in a timely manner. This means no phone calls to disrupt your day-to-day activities and allows the professionals to focus on your portfolio.

Investment management firms usually have specific portfolios with a track record, into which you can invest your capital according to you appetite for risk. These portfolios will focus on specific securities, economies, risk and type of investing (income, capital growth or balanced). All of this would be discussed prior or during the application process.

Another method used by investment management firms is different strategies implemented by their portfolio managers. These strategies are systematic and go through thorough analysis before investment decisions are made.

The fees usually associated with investment management firms can vary from each firm. There are three common types of fees and are usually combined, fees can be;-

  • Assets Under Management Fee – This is where you pay a percentage of the portfolio per year to the firm, usually an annual fee. E.g) 1% AUM Fee on £1,000,000 is £10,000 per year.
  • Transaction Fee – This is a fee associated with each transaction made through your portfolio – similar to the brokerage firm’s commission.
  • Percentage of Profits Fee – This is where any closed profits generated over a set time will be charged to the firm. E.g) 10% PoP Fee – the firm generates you closed profit of £10,000 in one quarter – you will be charged £1,000.

The main benefits provided from investment management firms is that after the service understands your needs and tailors the service around you, it is their job to build a portfolio around you. It is also the job of the investment management firm to adhere to the investment mandate you agreed on, we’ll take about this later, so you understand of the time frame given what you should expect. Another bonus why high-net worth individuals choose investment management services is because they are not hassled by phone calls every other day with a new investment idea.

The difference…

The main difference between investment management and stockbroking firms is:

  • Investment Managers offers discretionary services; no regular phone calls about stock ideas.
  • Stockbrokers give you more control as you can personally filter out ideas you think won’t work.
  • Investment Managers offer an investment mandate; this is where the investment management service provides a document of what they are offering you in return of managing your portfolio. You will understand what exactly they are targeting over the year, based on what risk, and should they achieve it – then they have fulfilled their service. E.g) the mandate could state that the strategies used and based on 8% volatility (risk), they seek to achieve 14% capital return.
  • Stockbrokers do not offer an future agreements but look to deliver growth during the time you are with them. They are not bound by their performances like investment managers.
  • Investment management firms have a track record for all of the strategies and services used, stockbrokers do not.

Which to choose?

Both services provide professional approaches to investing in the stock markets. Stockbrokers are chosen over investment managers by people who like to be in control and receive financial advice. Stockbrokers generally do not have a systematic approach to the markets but use selective top-down approaches to select stocks.

Investment managers are chosen by investors who want an agreement on their performances over the year and understand the risk up-front. Usually more sophisticated investors that wish to take advantage of the track-record and gain an understanding of the systematic approach used by the investment management firm.

Feel free to learn more.

DISCLAIMER: The above is not considered financial advice or any endorsement to use any particular service. If you wish to use any of the services mentioned, please seek independent advice.

RISK WARNING: Spread betting, CFD, futures and options trading carries a high level of risk to your capital and can result in losses that exceed your initial deposit. They may not be suitable for everyone, so please ensure that you fully understand the risks involved. Past performance of a managed service is not a guide to future performance.