Now that the health care reform bill has been signed into law, and Americans are justifiably worried that health insurance premiums will increase, there is a 1-1/2 cent answer to rising premiums. We’ve all been told that the new health care reform law was supposed to lower insurance premiums by 14% to 20% — thereby making health insurance more affordable for everyone. But if you check the fine print, reduced insurance premiums apply only to those who decide they want to keep the low-value, “skimpier” kinds of policies.The general consensus is that the new law virtually guarantees that health insurance premiums will rise even more – instead of becoming more affordable. The Congressional Budget Office itself stated that insurance premiums for people buying their own coverage would go up by an average of 10 to 13 percent. Based on the forecasts of other analysts, premiums will rise even higher – to the tune of 30 to 45 percent. Imagine what YOU would be paying if your insurance premiums increased by 30 to 45 percent.Americans are sharply divided on the new health care law, but one thing is for certain: Many provisions in the health care law carry with them serious consequences. And we won’t know their full effect until the provisions start in the year 2014. For instance, the law cuts Medicare by $500 billion, and 10 million seniors who get their coverage through Medicare Advantage’s private plans (about 22 percent of Medicare enrollees) will be stripped of their coverage… or will have their Medicare benefits reduced.But that may not matter much because the Obama administration itself has forecasted that Medicare — the trust fund that pays hospital bills for elderly Americans — is expected to run out of money in 2017. Many believe that Medicare is already broke now — and that unbeknownst to the American public, the government has begun using the general federal tax funds to pay for senior citizens’ Medicare benefits. What’s even more alarming is that according to many sources, the Social Security trust fund, which has been forecasted to completely run out of money in 2037, is already running a deficit now. And there’s no telling how long the government will be able to continue providing Social Security benefits and services.One glaring aspect that’s missing in the new health care law is that nothing has been done to fix the double-digit upward spiral in health care costs… and that in itself is a recipe for disaster. What would we do if there comes a time when we can no longer rely on Medicare and Social Security? And what if you’re a senior citizen who’s already SICK… and you have no income to pay for health care? What would happen if doctors and hospitals turned you away at the door because they have no assurance they’ll get paid for services that they’ll provide you?It’s a terrifying thought… but one that every American over the age of 40 must consider and find a solution for. In the coming years, average citizens can never be sure that their future health care needs will be met. Neither will they have any control as to whether or not they will receive health care benefits from the government… or how much insurance they will have to pay. The only thing over which they can exercise control is their health.This begs the question: What good is health insurance anyway – even if you could afford the premiums? Having adequate health insurance (or being covered by public health care) only means that the cost of your medical care will be covered in the event that you get sick. Wouldn’t it be infinitely better if you didn’t get sick at all?There is a simple therapy used by 15,000 European health practitioners to heal millions of patients of virtually all diseases. This therapy has been used successfully for over 170 years, and could be the best way to ensure your health, especially in these uncertain economic times. It also protects you against rising health insurance premiums, and will keep you from having to rely on a health care system that may not adequately cover your needs. This scientifically proven therapy, which involves the use of a natural oxygenating substance, creates an environment within the body where disease cannot thrive. This then enables the body to cure itself of practically any disease. For instance, studies have shown that cancerous tumors shrink in the presence of this natural oxygenating substance, and this substance inhibits the growth of other tumors and disease tissues as well.One reason health care costs continue to escalate out of control is that current medical research is focused on the wrong causes of disease. Some claim that viruses, microbes, germs or harmful bacteria are the cause of cancer, diabetes, heart disease, Alzheimer’s, arthritis and other diseases. Others say it’s the toxins in the food we eat, the air we breathe and the substances we consume. And still others say it’s our genes or stress that cause us to acquire disease. Because this wide array of theories has proliferated for centuries, the process of “curing” disease – and health maintenance in general — has turned into a complex and expensive proposition. And consequently, health insurance premiums have escalated as well.Madison Cavanaugh, author of The One-Minute Cure: The Secret to Healing Virtually All Diseases, claims that the primary physical cause of all diseases is linked in one way or another to oxygen deficiency. She states that when the human body is supplied with abundant amounts of oxygen, all cancer cells, viruses, harmful bacteria, toxins, pathogens and disease microorganisms are killed because they cannot survive in a high-oxygen environment.Cavanaugh further states that in order for oxygen to eradicate disease, it must be delivered not just to the lungs — and not just to the bloodstream — but to the cells and tissues of the body. That’s why other oxygen-based therapies — such as oxygenated water, oxygen-rich foods or supplements, or treatments that release oxygen into the bloodstream — are not always effective in treating disease. The natural therapy she recommends stimulates the movement of oxygen atoms from the bloodstream to the cells to a dramatically greater degree than is usually reached by other means. Because the therapy costs only 1-1/2 cents a day to self-administer at home, it may be the most affordable health insurance anyone can have.http://www.1minutecure.com
Have you ever thought about enhancing your education by going back to school? If so, you probably have wondered whether you should go your local college or university. If you haven’t been to one recently, let me paint you a picture.There are usually acres of buildings, jammed parking lots, and lots of other students. You might have to commute for miles in terrible traffic, and then find it impossible to park near your classes. You may spend hours traipsing back and forth across campus, lugging 30 pounds of books on your back. You stand in line to register your classes, only to find that they are all full. Or if your class is available, it’s at 7:00 a.m. or 9 p.m. If you have a family to juggle, it gets worse — the kids get sick you get to miss classes. And most of the students closely resemble your youngest child, making you feel like a dinosaur.Does the above scenario fill you with dread? Could it be the reason you haven’t pursued higher education before now? What if you could achieve your educational goals without leaving the comfort of your own home, and maybe even do it cheaper?If this is music to your ears, you should consider getting an online education. All you really need is a computer, an internet connection, and the desire to learn. No traffic nightmares, no weather worries. No scheduling conflicts or babysitter problems, and you can even go to school in your pajamas. Wow! That’s my idea of school. You take the classes you need at the times you want, at your own speed, and still achieve your chosen goals.Online education does not mean that the classes are easier, it just means that they are easier to take. You will still have to study, do homework, write papers, take midterms and final exams. Yes, you do have to work! But the good news is, you can do it in the comfort and convenience of your own home.The advantages of getting an online education are virtually endless. If you have ever considered getting more education to improve your chances of landing a job, or making more money, or maybe even changing careers completely, now is the time to do it. There really is no excuse for not pursuing the wonderful opportunities available through distance education.For many people this is all the motivation they need to get going. However, it is important that you know your limitations. If it’s impossible for you to have quiet time on a regular basis, if you find it difficult to focus with all the insanity going on around you, or if you just can’t discipline yourself to do the job, then distance education might not be for you.However, if you are adept at managing the ins and outs of your personal life while dealing with the demands of going to school, you should be able to juggle the extra balls that an online degree program might toss at you.During the past 10 years, distance education has finally come into its own, and now many programs are even eligible for federal financial aid such as grants and loans. So it’s entirely possible for you to attend school without breaking the bank. You can find classes and online education programs in a large variety of topics, starting with getting your GED and going all the way up to masters degrees and Doctoral programs.Some online schools have brick and mortar campuses and some don’t. Some require occasional meetings with students and teachers, also called limited residence requirements. Many have no such requirements, and your education is simply based upon the classes you complete successfully. Some schools require you to attend online live or prerecorded lectures or interactive classes, while others just give you the class materials online and let you take exams when you are ready.It is important that you research the options thoroughly and carefully. Whether you’re planning to take trade courses, business classes or any type of higher education, make sure the distance learning program is accredited by the appropriate agency in your state. There’s nothing worse than wasting your time, money and energy to get an education that you won’t get credit for, unless of course you are doing it just for fun.What you need to do first is decide what career you want to pursue or what subject you want to study or, then look for the online education learning program that’s best suited to meet your needs. Whether you want to learn web design, culinary arts, business management or something else, you’ll be able to find a distance learning program that will give you what you need.So there you go. A wonderful education is waiting at your fingertips, all you have to do is reach out and grab it.
It is no longer news that the rate of failure in the West African Examinations Council (WAEC) and the National Examinations Council (NECO) exams; the two foremost examinations students have to undertake for successful completion of secondary school, and to qualify for admission into higher institutions of learning, have increased tremendously over the years. The percentage of failure as Nigeria turned fifty this year is so alarming as over 70% of students who undertook the aforementioned examinations failed Mathematics and English Language; the two major subjects a student must pass in order to get admitted into most courses in higher institutions. A question must be asked; should our education sector improve or decline as a nation?These recent events have confirmed the insensitiveness of those put in charge of our education sector in the past few years to the rotten nature of the sector. Each of the decision makers in the sector bring up their own policies as soon as they assume power, and this has led to the instability of our education as new syllabus and styles are employed each time there is a new decision maker in the sector. Funny enough, the current Minister for Education in the wake of the recent failure of students in Secondary School Certificate Examinations (SSCE), suggested that the number of subjected offered in these examinations could be reduced from nine (9) to five (5) as she believed the enormous nature of most of these subjects might have been responsible for the students’ failure. Sadly, we may wake up tomorrow and find out that her opinion has become a law. I strongly disagree with her opinion and I believed many well-meaning Nigerians would do same. At fifty, I believe Nigeria would have gotten it right, at least in this important sector, but obviously, we haven’t.We all believe that youths are the leaders of tomorrow. Unfortunately, we are hardly doing anything to ensure that the future is bright. Education is more than just teaching, reading, and passing examinations. Perhaps, that is where we got it all wrong. If Nigeria is going to achieve anything great, more attention needs to be given to the educational sector. We may not need professors to build this sector as we all know how corrupt the world has gotten, and anybody could have become a professor by any means- I stand to be corrected, though. We need people who are passionate about the future of Nigeria, people who would be ready to forsake their comfort for the nation’s sake, people who are visionary. We need leaders, not managers. Leaders work by vision, Managers work by sight.Our educational system is obviously heading for doom and our nation’s future in jeopardy if people who understand education as the teaching and training of the mind and character, and not just passing exams are not allowed to run it. Saving our education is the only way to save Nigeria’s future. The future leaders need to know what leadership is all about, their character needs building. This can be done through education. We must save our education from the savaging decision makers.I don’t know if I’m the only one who has noticed that not only the decision makers are killing our education, the corporate bodies aren’t helping either. In times past, schools used to be interesting for the brilliant students that the other students strive to be better than them in other things so as to strike a balance. This was how great men in various fields were born in the past. There used to be several contests and competitions that saw a healthy rivalry develop amongst students, and that brought out the best in many.There is a disease in Nigeria now that would see corporate bodies and individuals do only things others are already doing. Maybe it was existent then and probably that was why there were many companies sponsoring many competitions in schools. The spotlight moved to entertainment some years back and it had been hard on our education sector since as several talent-hunt shows and contests emerge daily with big corporate bodies as sponsors. Almost all companies doing well and sponsoring things in their giving-back-to-the-society plan has forsaken the educational sector. Young people win millions of Naira in several talent-hunt shows across the country and their counterparts struggling to keep up with the challenge of focusing on education despite distractions from the sides are blown away. Nobody seems to be waiting for what the future will bring if they keep doing well in their education when there is an opportunity of winning millions if you can showcase your talent. The era of educative contests and shows seem to be fading away. We now hear headlines like “21 year old wins N2.5 million in talent-hunt show”. MTN’s “Who wants to be a Millionaire?” seem to be the most popular and most rewarding educative show left, but how many young people in the 16-25 age range has won something substantial on the show?Youths seem to be losing it. There are books of general knowledge, motivational books, and the likes. How many have you bought in the last three years as a youth? There are organizations with educative programs like talk shows, contests, etc. Have they ever gotten a chance at getting good sponsors? Some youths showed me the prospectus of their organization and I was impressed to know there are still youths who have a lot upstairs. Sadly, I’ve not been able to hook them up with a sponsor ever since.I am not saying the talent-hunt is bad, neither am I saying it should be stopped. I’m just a crusader for change who believes we could use more sponsors in the educational sector to support organized essay competitions, subject quizzes, poetry contests, etc. Let’s give educating the youths our best shot and watch what becomes of our great nation.As the elders say; “What an old man sees sitting down, a boy cannot see it even if he climbs a tree”. Let’s hear out the old men who have always been here and follow their good advice. They might have seen what we may never see.Nigeria is fifty. Let’s join our hands and work hard to make this country a better place for the coming ones.