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Finances: The Importance of Staying on the Same Page

Finances: The Importance of Staying on the Same Page with Your Family

Are you a married or do you currently reside with your romantic partner? If you do, there is a good chance that money is always a concern of yours. When two individuals are in a relationship, there are often issues that arise concerning money. For some families, it is hard to get and stay on the same page, concerning finances. If at all possible, you will want to try avoid doing this, as it may not only harm your wallet, but your relationship as well.

One of the many problems associated with men and women, namely those who are in relationships is associated with checking accounts. In the United States, many checking accounts now come equipment with standard debit cards. While debit cards are a nice tool to have, they can cause many problems for some individuals. Debit card purchases are not as easy to remember or record as traditional check writing purchases are. This is where many couples start to see discrepancies with their finances.

To prevent the above mentioned situation from occurring, it is important to make sure that you and your partner are on the same page. In fact, you may even want to take the time to establish some ground rules. These grounds rules may include not having a debit card at all or leaving it home at all times. If the debit card is used or a check is written for the joint account that you and your partner share, it is important that the person who used the account informs the other. Communication is key to keeping your finances in check when having a joint checking account with your husband.

In addition to the improper use of debit cards or check writing, when using a joint checking account, there are many couples who have problems with one or both individuals just spending more money than they have. This is often a problem with credit cards. Credit cards, as you likely already know, are considered financial death traps, as they can cause so many problems. For that reason, if you or your husband or your partner have any credit cards, it is advised that you sit down and discuss usage with them. The best way to stay out of credit card debt is by limiting your use of them or at least your spending. If spending is occurring, it is important that your partner knows about that spending and visa versa.

Since unnecessary spending is a problem for many couples in America, you may want to take the time to create a budget for your household. When doing this budget, it is important that you and your partner create the budget together. This is how you two can both stay on the same page, with your finances. A budget can account for all of the money that you and your partner have coming in, as well as all of the money that needs to be spent, like on rent, gasoline, or car insurance. This can give you an idea of exactly how much extra you and your partner have to spend each month or even how much you dont have to spend. As a reminder, be sure to create your budget with your husband or your partner.

If you are married, you may find yourself having a little bit more trouble with the money issues between you and your husband. What many individuals do not realize is that when they are married their financial mistakes also become the financial mistakes of their spouse. This is what leaves many women, and sometimes even men, having a difficult time getting back on their feet after a divorce. It is not uncommon for many divorced couples to declare bankruptcy after terminating their relationship.

To help prevent your marriage or your partnership from this trouble, you will want to keep all of the above mentioned points in mind. Learning how to budget together, as a family, as well as properly use all bank accounts and credit cards is the best way to stay all on the same page. Staying on the same page, when it comes to your finances, is the key to financial reassurance and possibly a happy healthy relationship with your husband or partner.

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Epidemiology

Epidemiology is the process of where one is able to study a disease or disorder. The public health department job is to conduct studies that are epidemiological in nature in order to prevent contagious disease from spreading. An epidemiologist is one who understands the rate/risk ratios, rate/risk differences, and measures the impact on the public.

Each epidemiologist deals in his own science and disciplines when he is taking these factors and measuring them. The discipline requires him to be able to select and use appropriate statistical methods in the analysis of simple data sets and apply these methods by computer using either STATA or EPI-INFO. He must also be able to understand and interpret output from statistical analyses carried out by computer, in relation to research and other questions asked. Then the epidemiologist must present findings based on statistical analysis in a clear concise manner.

The epidemiologist must be able to define a research problem and formulate a study hypothesis and objectives. He must choose an appropriate and ethical study design, plan field procedures, including sample selection, and the design of questionnaires and record forms. A time schedule for the conduct of the study is vital part. The need to prepare a budget is always important for this type of research. A detailed protocol that is of sufficient standard developed into a submission statement for a funding agency.

The epidemiologist must understand the basic statistical measures and concepts underlying the analysis of epidemiological data. He must perform analyses of data arising from epidemiological studies using appropriate computer software. He must be able to identify factors that suggest a disease has an infectious cause. He also must understand the factors determining the spatial, temporal and social distributions of communicable diseases. It is vital that the epidemiologist understand how to measure transmissibility of infections, design, and carry out, analyses, interpret and report an outbreak investigation report. It is of course very vital that the evaluation of vaccine efficacy be investigated.

The study of epidemiology and the use of an epidemiologist are vital for any nation’s health. This is very important for it helps our nation prevent major breakouts of diseases. I would like to say our people do an excellent job in this field and their tasks are not always easy but always necessary. The American Heart Association feels that since heart failure is the number one killer of men and women in America today that our Public Health Department is not fulfilling their duties toward heart related diseases.

In the above description of what epidemiologist, duties are and why we have the study of epidemiology gives a better understanding the medical field problems concerning heart failure patients. The AHA has gathered as much information as possible thru magazines and articles and made a journal for the doctors to refer themselves too. That journal is piece meal at best not complete and not adequate for the care and prevention of heart related problems. That is why we need an epidemiologist from our Public health Department to look at the situation.

Different Types of Acupuncture Treatment

When you normally think of acupuncture, you think of a person sitting with several needles inserted into their skin, into parts of the body like the ear, the arm, or the wrist. This is a good picture of a patient that is having an acupuncture treatment. These treatments last anywhere from a very short time up to thirty minutes or more, depending on the symptoms that are being treated. These needles are more frequently inserted just far enough into the skin to firmly keep them there, though an acupuncture practitioner may insert different needles somewhat further in depending on the treatment plan. Sometimes the needles are twirled in place, sometimes they are warmed before insertion, or have heat applied to them during insertion. Generally there is no discomfort when a needle is inserted, manipulated, or removed. Occasionally a slight twinge may be felt, but not more than that. Often during treatment a patient may feel more relaxed than when they came in, slightly warmer, or possibly feel a rush of energy during the treatment. Some patients feel no change during the acupuncture treatment, but their symptoms gradually change over a longer period of time, such as several weeks.

There are variations of acupuncture that do not rely on the use of needles. The ideas behind these are identical with standard acupuncture technique. The knowledge of acupuncture points, the organization of the body, and the importance of proper energy flow for a healthy body are all exactly identical to standard acupuncture therapy. The main difference is that the needle is replaced by a different technique to manipulate the acupuncture point.

In sonopuncture, a device that produces sound waves is applied to the point at which a needle would normally be inserted. In addition to the device that produces the sound waves, other devices that vibrate may also be used, such as tuning forks. There is a good deal of activity in this area, but results using these devices is not as well established as the results with traditional needle based acupuncture.

Another technique that has been in use since the middle of this century is to apply a low voltage electric current to the acupuncture point. Sometimes this is done together with insertion of a needle, sometimes it is done just by touching a small wire to the surface of the skin and connect a very low electric current. The feeling of the current is a very light tingling, and not any very noticeable or painful reaction. This technique using electricity was pursued independently in America and Europe in the 1930s and 1940s, but interest in the technique as a part of western medicine waned after that time.

Another variation of acupuncture that many more people have heard of is the use of acupressure. In this technique no instrument is used, just the technique of pressing a finger on the acupuncture point. This technique can be incorporated into such manipulations as shiatsu massage. This technique is also easy for a layman to do, and many have seen little cards with diagrams of pressure points on the hands and feet. Though these may be useful, the best use is made when the person understands more of the entire system of acupuncture rather than just where the acupuncture points are.

Acupuncture therapy has been extended beyond needles, and interest is continuing in using other instruments. Other techniques include the use of heat (a very traditional choice), friction, magnets, suction, and to the ultra-modern use of laser beams. Acupuncture is a very adaptable therapy, which yields very good results.

Acupuncture’s Acceptance in America

Acupuncture has been used in China and Japan for centuries, and was introduced into Europe in the 1700s by Jesuit missionaries. However, it has been popular in the United States for only the past twenty or thirty years. Initially, its most dramatic and effective results here in America were to reduce or eliminate pain, where some patients undergoing surgery had no anesthesia whatsoever. Their pain was eliminated during the surgery by use of acupuncture needles.

The National Institute of Health has been interested in both the use and the growing interest in acupuncture, and has had a number of conferences whose main subject is the use of acupuncture. Interestingly, thousands of traditional physicians, dentists, and other health practitioners now use acupuncture for pain relief and other symptoms. Also, currently more than 10 million adults in the U.S. have used acupuncture at some time in the past, or are using it currently. (Though acupuncture is also perfectly safe for children, and frequently children respond more quickly to the treatments than adults.)

The National Institute of Health has looked at many studies on the effectiveness of acupuncture to relieve a specific set of symptoms. There are some outstanding successes, but making any sweeping statement is difficult because many of the studies are not easy to design. Or, more properly, there is some heated discussion on what studies have been so carefully designed that the results are beyond question. But there is general agreement that acupuncture is highly effective for a wide range of symptoms, including pain and nausea after operations, headaches, menstrual cramps, asthma, osteoarthritis, etc. Research is continuing and new results are coming out quite often. One of the best ways to keep up is to search the Internet for your symptom of interest together with the key word “acupuncture”. Also look for websites sponsored by NCCAM, a branch of the National Institute of Health that investigates alternative medicines.

Since the main equipment of an acupuncture practitioner are needles, the needles in an acupuncture office are regulated by the government to ensure safety of the needles. The FDA approves their use by licensed practitioners in acupuncture clinics. The requirements are that the needles are sterile needles and one time use only, so no one need be concerned about the problem with needle contamination. The acupuncture needles are regulated by the same rules as those in your doctor’s office. To avoid any concern, watch carefully that the acupuncture practitioner opens a new, sealed package for each patient and swabs the insertion sites with some kind of disinfectant before inserting the needle (such as alcohol, traditionally used by nurses).

This survey is intended to give an overview of how the traditional medical community and also the institutes of the government have given credibility to the use of acupuncture. Acupuncture has evolved from an interesting import from China to an established technique that many doctors recommend, or have even become trained in the technique themselves. Acupuncture clinics and practitioners now have standards set up and regulated by the government in order to ensure the safety of the clients. It has become an accepted part of the mainstream American health system.