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Taxes

How ‘Half Ton Teen’ Billy Robbins Was Saved by Weight Loss Surgery

You may have heard or read about ‘Billy Robbins’, the teenager who has unfortunately been nick-named ‘half ton teen’ by the mass media, who at just 19 years of age topped the scales at an incredible 800 pounds, making him the world’s heaviest teenager.

His plight has been well documented in a TLC special called, imaginably, ‘half ton teen’. Billy had been told he had literally months to live if his weight wasn’t drastically reduced and the only option for such drastic weight loss was to undergo weight loss surgery.

The most effective and commonly used surgical procedure for the clinically obese is called gastric banding which is when a laparoscopic adjustable gastric band is placed around the top portion of the stomach, this procedure is not usually invasive and can be performed via Laparoscopic surgery or, keyhole surgery as it is more commonly known.

In Billy Robbins case, he was too large initially to receive the life saving operation and had to go onto a strict 1200 calorie diet, which may not seem too extreme to people of normal size and weight but when you have been consuming 8000 calories a day it is a massive reduction.

Eventually, after losing two and a half stone, he had the first of a three step surgical plan, devised by surgeons in Texas, who specialized in this type of procedure. This operation entailed removing a large amount of excess fat from Billy’s stomach, a five stone slab to be exact, that’s 70 pounds!

Then after 3 months of hospital care and continued dieting, during which time his weight had come down a remarkable 280 pounds, he underwent the second phase of his surgery.

This second phase was to implant the gastric band that would limit the amount of food that could be eaten, a month after this he was allowed to go home having lost a further 70 pounds.

The third and final part of this surgery will be to tighten the gastric band to limit further Billy’s food intake and help him lose even more weight. At the airing of this documentary in January 2009, Billy had lost a total of 30 stones, just over half his original starting weight.

Weight loss surgery has saved Billy Robbins from certain early death as it has many, many others but the real issue here is that of a nations diet and eating habits, sure Billy Robbins was something of a victim of circumstance, being pampered by a mother who gave him no direction regarding the correct diet and for whatever reasons she may have had, she was slowly killing the son she loves.

Children need educating about diet and exercise from an early age or they too will become victims of the lazy eating culture and we will see more cases such as Billy’s. Advertisers need to be governed much better as our children are under a constant barrage of one advertisement after another for fat filled, sugar drenched snack foods and drinks that have the health of our children as their lowest priority instead of their highest.

Many of these corporations that prey on our young people have the audacity to blame the victims for lack of self control yet the message they subliminally promote is more is good! We have to take measures, and place the control firmly into our own hands to ensure our children, and ourselves, live happier, healthier and longer lives.

At the last count over two thirds of Americans were overweight and around 15% of those were obese and the figures are expected to reach 75% by the year 2015! This issue has forced our medical insurance costs way up and out the reach of many as weight related illnesses are the number one drain on our medical resources.

It is never too late to take action, losing weight and leading a healthier lifestyle through diet and exercise will not only help us but our children also.

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Taxes

A Must Do For Weight Loss – Eat 6 Meals a Day!

Our genetics really haven't changed much since our cavemen days! OK, maybe we have a higher booze tolerance than our cavemen counterparts, and some of us today weigh 400 lbs from swallowing 2 lb burgers, and some of the chickens we ingest have broken legs because they were pumped full of steroids and they couldn't support their weight – those poor little poulets! Anyhow, lets get back on track – initially, food was very difficult to come by 1000's of years ago. Our ancestors never knew when they were going to be feasting on their next meal. I mean, they had to put every ounce of effort, strength, brainpower, and persistence into pulling in dinner for themselves, their beautiful wife, and kids! While they were putting their blood, sweat, and tears into hunting a deer and finding fresh fruit for dessert, we roll out of bed, stumble to the bathroom, release some gas, brush our teeth, slip into something comfy, jump in the car , put the pedal to the medal, scrounge up $ 5 bucks, speed through the drive-through, and stuff down a greasy quarter-pound slab of meat – and can I get extra mayonnaise with that as well. Thanks!

The message here is that our ancestral bodies became highly efficient at storing excess calories just in case they were needed at a later time to fend off starvation. Back then, it was rare for humans to resemble a bear gettting ready for hibernation, but nowadays, it's a dime-a-dozen in some states. Here are three biggies that lead our bodies to store calories as fat:

  • Going too long between meals – tricks body into thinking your starving The Result? >>> your body kicks into 'starvation mode' and begins the process of storing calories
  • Consuming large meals – tricks body into thinking that this may very well be the last meal for some time to come The Result? >>> your body preserves as many calories as possible, in the form body fat! You wake up and you have a beautiful love handle!
  • Sudden and severe decrease of calorie intake – even the small calorie intakes are converted to fat and metabolism immediately begins slowing The Result? >>> you begin to lose more muscle than fat and you binge eat – this causes metabolism to slow and calories to be converted to fat at a faster rate

So in conclusion, it may be tough to pack down 6 small-sized portions in one day, but aim for 6 and if you fall short by a couple, you're already headed in the right direction. How does that saying go? Aim for the stars and if you fall short … Forget it, you catch my drift!

Now you have an idea of ​​what causes those trousers to feel a little tight!

Next, try complementing your meals with the top foods that burn fat – to learn more about the top 5 foods that promote fat loss, click here [http://www.thehealthfreak.wordpress.com].

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Taxes

The History of Weight Loss – Bring on the Fat Flappers

If you ever get hold of a history book, flip through and take special note of the body sizes that seemed to be the norm of each time period. Body weight and ideal have changed over the years, just as they continue to do now. What is in fashion can be dictated by the type of clothing that is in vogue — some styles just require a thinner frame to lay right. Some cultures will worship the larger members because it is a sign of prosperity- only the rich can be fat after all. Americans have that one backwards — here only the rich are the super thin.

Why is that? Is it because the wealthy are being fed some “magic” food that allows them to stay ultra-thin? In all reality, the rich are staying that way because they are being fed teeny-tiny, designer meals produced by personal chefs and they have trainers, nutritionists and others working around the clock to keep them that way. There is no magic involved.

Thin and fat have knocked each other off the top of the popularity charts for hundreds of years. Look at the creation of some of the worlds most renowned artists; look at the models that they chose to work with. Ruben would be laughed out of the art community if he were alive to day and still choosing the same models. His plump and juicy lasses were definitely not the waif-thin and underfed gals that pass as models these days, were they?

Now, have a look at another era. Look at the Flappers for instance. Knock-kneed, flat-chested and very thin, the Flappers were the ideal for that time. Of course, there were probably the Rubenesque women who longed to shimmy into a sheath dress as well, but history certainly isn’t showing them. Even then, it was the body type that typifies the standard of the day that gets the notice while the others are ignored, or worse, ridiculed.

When thin was in fashion, dieting became the norm. The most extreme diet then is the most extreme dieting now — fasting. Religious leaders and their devoted followers would fast for days on end and would experience weight loss (of course) as well as the potential for visions. If the fast lasted too long, the weight loss would be followed up with death so the fasters started putting two and two together. Not eating equaled weight loss, but could equal death as well. The aha moment is followed quickly by the adaptation of the fast: A modified fast.

Sometime during the fasting and the modified fasting and the starving and the dying, science discovered the calorie and the dieting industry was born. Now, doctors and snake oil salesman alike had a word to shout at you as well as a number to recommend. Nobody fully understood the diet nor had daily requirements been discovered yet, so no one knew how many calories a person needed or from what foods those calories should even come from.

The early dieters caught on that starving themselves did not work because it led to their deaths. Eating less did work so they would stick to an extremely low calorie count; around 1000 calories. The problem with staying that low is it is impossible to keep the body healthy, whole and well. What they found then is the same thing that a dieter trying to subsist on that calorie count now would find: You cannot survive on it.

As more study was done and science starting revealing the concept of metabolism and the body’s own processes, the smart dieter put a twist on the 1000 calorie diet to stave off the body’s own destruction of itself. They would remain at the magic number but all of those calories would come from protein and the birth of the first extreme protein diet fad was ushered in. The problem here was the same as the next all protein diet, and the one after that, as well as the problem with all other extreme diets in general: Any diet that allows you, forces you or encourages you to eat only one food group or type and forbids, limits or ignores all others is unhealthy and is pre-destined to eventual failure.

Remember a few years ago when the protein diet reared its head again? Suddenly everybody is eating burgers, but no buns. You could have a pan full of bacon, but you could not have toast to sop up the grease with. Eat a pound of beef at every meal, but don’t you dare let a potato touch your lips. The list of vegetables that were on the no-no list for this diet was unreal and even worse- fruit was just as forbidden as a slab of Death by Chocolate cake. Fruit was forbidden on the protein diet and was as vilified as any dessert. All fruits. All the time.

But, extreme protein diets, modified fasts and other weight loss efforts are not easy and even back then, humans were looking for the easier way to lose weight. Before anyone thinks that modern man has the corner on the market for weight loss gadgets and gimmicks, then know this: In the 1900s one of the first weight loss pills was developed, along with tonics, elixirs and other products all meant to tone and trim without the tedium of actually having to watch what you ate or exercise. Among those first pills was one which contained benzocaine, which would not only dull the taste buds but would produce an odd, tingling sensation in the mouth which would make it harder to enjoy food, hopefully leading to the user to eat less. Well, yes, that would work since most people do not eat if they cannot feel their mouth, but the side effect would be chomping through your tongue on a daily basis. Of course, there are still people who do a modified version of this concept to this very day. They brush their teeth after every meal or whenever they feel hungry. The concept is that no one wants to ruin that squeaky clean feeling in their mouth and besides who wants minty fresh potato chips?

Every person wants us to believe something different about weight loss. The doctor wants us to believe that we are in dire need of metabolic help so that he can prescribe us the newest prescription medication. The gym gurus and gadget gods wants us to exercise, but only using their equipment. The infomercials wants us to use their pill, powder, potion, cream or what have you. Authors turned expert or vice versa want us to buy their books. Watch my video, listen to my inspirational tapes; buy, buy buy. In the end, the only thing getting thinner is your wallet and all of the gear and goods in the world is not going to help you if you do not learn the very basics of weight loss. You have to exercise. You need the right amount of calories and you need to understand what a calorie is, where it comes from and how it acts in your body. The next chapter will get you started on that knowledge.

Categories
Insurance

Insurance Policy – Physical Loss Or Damage

The trigger of coverage is proof of physical loss or damage to or destruction of property identified in the policy. For the purpose of defining the trigger it is not necessary to consider the meaning of event or occurrence, although as we will see, they may be relevant when applying deductibles under the policy.

The loss of or damage to the property must be absolute and not temporary. For example, in Moore vs. Evans [1918] the assured was unable to provide proof that the property consigned to a German consignee, prior to the First World War, could not be recovered after the war. Therefore, the assured could not prove that a permanent loss had occurred under the policy. This case is at odds with an Australian case of Ranicar vs. Frigmobile Pty Ltd. [1983] in which it is suggested that a change in the physical state of the goods, although perhaps temporary, can constitute damage.

Most, if not all, ARPI policies contain specific clauses excluding indirect or consequential loss, but are such clauses necessary? In the context of ARPI it is generally accepted that consequential or financial loss is not covered without the inclusion of a specific extension. Certainly in the case of Theobaldv. Railway Passenger’s Assurance Co. [1854], it was held that a liability policy did not cover financial loss. It is wise, however, to include the consequential loss exclusion.

Physical loss probably requires some physical change to the property, and not simply a reduction in value. For example, a factory may be affected by an earth tremor insured under ARPI. The building may not be physically affected but it results in the factory becoming less valuable – prospective purchasers are concerned about the effects of the tremor. This would not amount to physical loss and, probably, does not constitute damage, but it would be sensible to insert the words “physical” prior to “damage”.

In the case of Glens Falls Insurance Co. vs. George Covert, vehicle safety stabilisers fell to the floor. They were sealed units and it was impossible to determine whether there was internal damage. The manufacturer withdrew its warranty and the assured decided that it would not sell them without the warranty. His claim on his all risks policy failed because there was no evidence of physical loss or damage, thus giving “damage” the same meaning as “physical loss”.

On household policies the Insurance Ombudsman has extended the meaning of “damage” to include impairment of usefulness. For example, in one case the assured successfully claimed for the cost of unblocking a pipe and the cost was allowed.

Categories
Stocks

Day Trading Psychology – How to Survive a Trading Loss

Let's face it, trading losses can be tough. No one likes losing money. As every trader will learn sooner or later, trading losses are a routine part of the game. Nevertheless, many traders find it difficult to accept inescapable trading losses.

When We Can't Accept A Loss

It is the ability to accept the occasional trading loss that can be a key factor in whether or not you become a profitable trader. I am not saying trading losses are encouraged; but how you handle losses may significantly affect your degree of trading success.

Refusing to tolerate and properly handle trades that don't work leads directly to trading errors. It is the inability to cope with the inevitable losing trade that causes traders to cut winning trades short, move stops in the middle of a trade, hold on to losing trades, average down, and fail to pull the trigger on sound trade setups.

Learning to accept and deal with trading loss may be just as important as making good trades.

Survival Tips

Here are seven steps you can take to survive and even thrive when suffering a loss:

  1. Write down the trade as it occurred: Don't sweep the loss under the rug! You need to learn from the loss (that is its value), so write it down. Include how you viewed the market at the time and how the market action and your indicators appeared to meet the criteria for a sound trade setup.
  2. Evaluate the trade: Once the trading day is over, go back to what you wrote and see what can be learned. Did you miss-read the market? Was there something you failed to check? Did you take the trade even though it didn't meet your trade criteria? Or, was the trade setup valid; it just didn't work out?
  3. Use the loss as a learning opportunity: Ask yourself, "What can I learn from this trade?" Is there an insight about market action that can be gained? Is there something about your trading behavior that needs to be addressed? Whatever it is, you have an occasion to grasp something new, and that is valuable!
  4. Take immediate corrective action: Do you need to modify your trade setup? Is there a rule for personal discipline needed? Whatever you have learned, take immediate action.
  5. Keep your head and attitude right: You always have a choice about attitude. You can accept the loss as an inevitable part of trading and be grateful that you can learn from it, or you can enter a negative, downward spiral of feeling bad, getting down on yourself, and making yourself feel even more miserable. Follow the constructive steps outlined here and stay above all of this.
  6. Remember, trading is based in probabilities: Every trade setup has a probability of winning and a probability for loss. Over a large number of trades, a setup with an edge will be profitable. Any given trade is always uncertain. This is the law of trading probability.
  7. Turn to others: We all need support. Talk to your trading buddy, mentor, partner or spouse. It helps to unload a bit and you may gain a different perspective.
Categories
Insurance

Insurance Protection and Control Loss for the Public School

Is there anything more valuable than our children’s future and safety? The public school system carries a daunting responsibility that is two-fold in importance: educating our youngsters properly and ensuring their safety while under its jurisdiction.

For school leaders and educators, nothing could help them better in the latter task than an insurance program that is designed specifically to safeguard students and school employees. Fortunately, programs such as this do exist and are provided by insurance companies, renowned for their commitment to policyholders.

This particular form of commercial insurance provides some stunning offerings, tailored for the public school and its risk exposure:

– Property coverage

– General liability

– Boiler inspections replete with state mandated certification

– Risk control training geared to the educational community

General liability coverage encompasses protection against corporal punishment, employee benefits liability and coverage necessary for student interns. Nonetheless, other general liability coverages are available. These include coverage for volunteer workers, incidental medical malpractice by school nurses and other employees, and student operated media; as well as sexual misconduct and molestation coverage that incorporates protection for the school district’s liability as a result of acts of sexual misconduct or molestation; as well as violent event response coverage that pays for specified benefits, like personal and group counseling expenditures, added security services, medical expenses and death benefits.

Along with the program, schools can choose from varying protective coverages, including:

– Property coverage that insures replacement costs, equipment breakdown, business income, earthquake and flood damages, as well as ordinance losses.

– School head errors and omissions liability that covers board members, administrators, teachers, workers, student teachers and volunteers.

– Employment liability

– Law enforcement professional liability that provides coverage for payment of bodily injury, personal injury or property damage that is the result of wrongful acts committed during school law enforcement actions. This includes assault and battery, false arrests and unnecessary show of force.

– School bus insurance that covers liability and physical damage for vehicles, like buses, service vehicles and drivers education vehicles.

– Workers compensation that provides all state mandated workers comp benefits and employer’s liability

Other options include:

– Commercial umbrella

– Inland marine

– Crime

– Employee dishonesty bonds

– Terrorism insurance

– Data compromise insurance

Among the major concerns when shopping the network for adequate insurance if claims services. It is advisable for Public schools seeking appropriate protection need to consider a company’s reputation in regard to claims’ responses.

For more on public school insurance products, contact a reputable agency that has the knowledge and wherewithal to service this sector properly.