Worry

Worry is a protracted or recurrent act of the mind, which always fails to result in a constructive solution of the question and usually ends in confusion, fatigue, and emotional instability. You can concern yourself about an important problem, if this means merely a careful consideration in an orderly manner, leading eventually to an acceptable conclusion. Even when the conclusion happens to be contrary to your wishes, it may be accepted as a conclusion and thus worry can be avoided. Such an effort is constructive, whereas worry is always destructive.

The ordinary dictionaries describe worry as feeling or expressing a great deal of care and anxiety, manifesting unrest or pain, fretting, chafing, being anxious or fearful. Since all of these reactions are undesirable from the point of view of their effects on the body, worry is a most undesirable characteristic.

Many people insist that they never worry. These are the people who have learned to reason themselves out of anxiety over situations in which they find themselves. The process is known as “rationalizing.” Other people developmental tranquility or peace of mind by accepting a belief which eliminates from consideration anything displeasing to them. Such a process is not rationalizing, but may achieve the same effect if the person can shut out completely any problem that disturbs him. Most people find peace of mind necessary if they are to accomplish their responsibilities in the business world or in the home.  If one does not have such peace of mind there is a constant feeling of insecurity, a constant fear of a threat to life itself or to the life situation of the person concerned. As a result, energy is squandered and the reserve of the nervous system is exhausted, so that the person becomes tired, worn, distressed and may have what is commonly called a nervous breakdown.

When worry appears to this extent, the effects manifest themselves on different portions of the body. If the worry is related to the heart the person feels palpitations, extra and light beats of the heart, and similar manifestations; such a person may focus attention unduly on the pulse or the blood pressure or some other factor related to the circulation. If the nervous condition brings the focus of attention on the stomach and ~ bowels there may be constipation, diarrhea, or other manifestations even more serious.

Many a person endeavors to escape from worry by fleeing into an addiction to drink, to drugs, to sedatives, to gambling, or to other practices that are known to be against the best interests of humanity. The escape is only temporary, and the trouble returns just as soon as the liquor or the drugs have worn off. There is no doubt that a restful night’s sleep, a vacation, indulgence in outdoor sports, or even the theater or the movies may be utilized to better advantage as means of
escape from the reality of worry.

Emotional Disturbances

Most people have minor emotional disturbances that are not recognized but, because of their effects on the general health, have medical significance. Many people in industry, in labor, and in public life get along, although they suffer at all times with difficulties of adjustment to  their environment. An analysis of the people who come to doctors’ offices .revealed that from 30 to 60 per cent come as patients primarily because of complaints due to emotional disorders, which are reflected as physical disorders. Treatment is not fully satisfactory unless it takes care of the mental as well as the physical factors.

Our population has become an aging population. People live much longer than was common fifty years ago. As people get older they tend to develop more emotional experiences, and this has greatly multiplied the need of psychiatric help. According to the available figures one out of every twenty people will need advice or guidance from an expert for severe emotional illness at some time during his lifetime. This is indicated by the fact that more than one half of all the veterans in veterans’ hospitals are psychiatric patients. Thirty-seven per cent of releases from the army for medical reasons were for psychiatric disorders. A total of 51 per cent of all medical separations from the military service were due to personality disturbances. In addition, people who are mentally disturbed constitute about one-half of all of the patients in hospitals in the United States.

While modem medicine has much knowledge of psychiatric conditions, far more still remains unknown than is actually known. Methods of treatment developed in recent years include the successful use of the tranquilizing drugs (see below), electric shock, psychoanalysis, the use of occupational and recreational therapy. Since the number of competent experts capable of treating such patients is insufficient, study is now being made of the treatment of mentally ill patients in groups. This is called group psychotherapy.

Mental Hygiene In Business

Suitable adjustment of workers to their surroundings is important in establishing a smooth-running condition in any business or industry. Ask the average business man if he needs a psychiatrist in his business, and he will think you are mentally disturbed. Psychiatrists, most people believe, spend practically all of their time finding people who need to be confined in institutions because they are wholly irresponsible.

Most large industries have employment interviewers, who have knowledge of the positions to be filled, of the persons in the department, and, therefore, of the kind of employee who will fit best and serve most satisfactorily under the circumstances. Most employment interviewers can recognize easily a prospective employee who is so far “off the beaten path” from a mental point of view as to be unsatisfactory for any job. No one suggests that employment interviewers should be replaced by psychiatrists or psychologists. What a businessman wants is a worker who can respond to the particular problems and procedures of the job for which he is employed. The boss seldom wants to be troubled about the general personality of an employee or the question of how he gets along with his wife. Nevertheless, that very situation may be important in relation to the quality or amount of work. Problems may arise which are due to it neurosis or psychosis in some employee whose mental condition has not been recognized.

Mental hygienists are convinced that training ought to be made available to employment managers or to the workers in the personnel divisions of industries. Workers are frequently transferred into personnel departments because they appear to be able to get along well with other people -but  sometimes because they are hard and skeptical. Generally they work out their own techniques, whether for the handling of personal problems or for the selection of new employees.

Already there are plenty of reports of instances in which employees who failed to respond acceptably to their executives were given scientific study and thus saved for the organization. We have learned how to modify the attitudes of parents and to improve their relationships with their children. Similar tactics are needed for executive businessmen to improve their relationships with their employees.

Mental Defect

Among the great unsolved problems of modem medicine are many of those associated with mental disease. People still fear the sudden appearance of the “loss of the mind”, or the birth of a child apparently without normal mental ability. Over 3,000,000 children are born in this country every year. Actually from 150,000 to 200,000 of those born will eventually be committed to hospitals for mental disease.

Much can be done to prevent or overcome many of the conditions that disturb the mind. With modem methods of treatment, improvement can even be secured in certain forms of complete mental breakdown. Problems of mental defect and of mental diseases are not only approached by putting the patients in institutions but also by applying some of these new forms of treatment.

Parents, teachers, and those organizations concerned with the supervision of children must realize the importance of recognizing strange behavior at the earliest possible moment. Children who are mentally retarded or who are slow in their mental development should be submitted to expert advice as soon as possible. These children will be brought into social and economic competition, and the contrast with normal children, coupled with pressure from forces behind them at home and even from their association with competitors, may result in a reaction and in the formation of attitudes which lead to permanent disturbances. There are many causes of mental breakdown and many classifications of mental disturbance. Research has been intensified on dementia praecox, in which the so-called insulin shock, metrazol shock, and electric shock treatments are being tried. Modem medicine also offers new forms of study, including analysis of the mental processes, leading to recognition of the underlying factors in mental disturbances.

The wise man need not fear such a catastrophe. He should know that scientific methods of diagnosis and treatment are now available.

The Bureau of Labor Statistics of the U.S. Department of Labor recently reported that employment continued to fall sharply in February (-651,000), and the unemployment rate rose from 7.6 to 8.1 percent. Payroll employment has declined by 2.6 million in the past 4 months. In February, job losses were large and widespread across nearly all-major industry sectors. Are you or your spouse one of the 8.1% Are you worried about joining this group? If you own a small business or are thinking about starting that small business then you need to understand how COBRA can have a dramatic impact on your financial future. Here are 7 things you need to know right now!

1. What is COBRA continuation health coverage? Congress passed the landmark Consolidated Omnibus Budget Reconciliation Act (COBRA) health benefit provisions in 1986. The law amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to provide continuation of group health coverage that otherwise might be terminated.

2. What does COBRA do? COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain specific events. Group health coverage for COBRA participants is usually more expensive than health coverage for active employees, since usually the employer pays a part of the premium for active employees while COBRA participants generally pay the entire premium themselves.

3. Who is entitled to benefits under COBRA? There are three elements to qualifying for COBRA benefits. COBRA establishes specific criteria for plans, qualified beneficiaries, and qualifying events:

Qualifying Events for Employees:

Voluntary or involuntary termination of employment for reasons other than gross misconduct
Reduction in the number of hours of employment

Qualifying Events for Spouses:

Voluntary or involuntary termination of the covered employee’s employment for any reason other than gross misconduct
Reduction in the hours worked by the covered employee
Covered employee’s becoming entitled to Medicare
Divorce or legal separation of the covered employee
Death of the covered employee

Qualifying Events for Dependent Children:

Loss of dependent child status under the plan rules
Voluntary or involuntary termination of the covered employee’s employment for any reason other than gross misconduct
Reduction in the hours worked by the covered employee
Covered employee’s becoming entitled to Medicare
Divorce or legal separation of the covered employee
Death of the covered employee

4. How does a person become eligible for COBRA continuation coverage?
To be eligible for COBRA coverage, you must have been enrolled in your employer’s health plan when you worked and the health plan must continue to be in effect for active employees. COBRA continuation coverage is available upon the occurrence of a qualifying event that would, except for the COBRA continuation coverage, cause an individual to lose his or her health care coverage.

5. What Do I do if I Don’t Want To Take COBRA? Group Health Plans are very benefit rich. This means that you probably have dental, vision, low co-pays for doctor visits etc. Things you take for granted. Your employer if often paying 80% or more of your premium and your portion of the premium is just 20% or less. You don’t realize the true cost of your health plan until you qualify for COBRA and get that letter from your HR Department that gives you STICKER SHOCK. Why? Because you see that your new monthly premium could be up to 400% more that what was being pulled out of your paycheck. What do you do? You get on the computer and start looking for Health Insurance quotes and see a lot of quotes that look appealing as an alternative but you are comparing apples and oranges.

Here are three main points that are not clear when you look at these computer quotes

First of all, Group Plans in Georgia are “guarantee issued” which means that everyone MUST be accepted. Individual plans go through an underwriting process, so you have to qualify and may not be accepted.
Most insurance carriers usually decline major pre-existing conditions like diabetes, cancer and heart disease. Minor pre-existing conditions like weight, high blood pressure and elevated cholesterol etc. are rated up which means you’re charged more. This underwriting process can take up to a month, if done properly.
Also many of the benefits you take for granted on your benefit rich group plan are extras or “riders” with individual policies that increase your premium.

So what are my alternatives if I just lost my job?

6. How Does The American Recovery and Reinvestment Tax Act of 2009 affect COBRA and save me more money? The Act provides a 65% government subsidy to employees who are involuntarily terminated between September 1, 2008 and December 31, 2009. The premium reduction relates only to premiums for the coverage period beginning after the new law was enacted on February 17, 2009. The law does not allow reimbursement of premiums for coverage periods beginning before February 17, 2009. Qualified individuals can, however, receive the premium subsidy going forward, for up to nine months. So if you are already on COBRA you can get this subsidy for up to nine months. Also if you declined COBRA during this period, you can now enroll in the subsidized coverage. This a great deal if you are planning on finding another job that will provide Group Health Insurance because you only have to pay 35% of the COBRA costs and can keep your benefit rich coverage for up to 18 months.
BUT……
What If you are planning to focus on your business full time now, rather than get another job? Then you really need to look much closer at individual plans.

7. How does buying your own portable individual health plan protect your financial future? Let me tell you a story about how one of the most financially savvy guys I know got the surprise of this life after riding his bike one day in Florida. I lived in South Florida and played tennis with a friend who retired from a Fortune 100 Company when he was 49 years old. After many years of hard work he took early retirement and built his dream home in Florida. After several years his wife became bored and wanted to move to Atlanta. They bought into one of the most prestigious new developments in metro Atlanta. Six months after construction began my friend was riding his bike and got shortness of breath. He called a tennis buddy and neighbor who was also a cardiologist and the doctor said, “Come to my office and let me check you out”. The cardiologist sent him straight to the hospital and discovered that one of my friend’s coronary arteries was narrowed and a “heart stent” was inserted to relieve the condition. Within a few days my friend was busy playing tennis and riding his bike. Thinking about his upcoming move to Georgia, my friend decides to call his Health Insurance Company to move his plan from Florida. Mind you this was not some fly-by-night company but one of the best-recognized names in the insurance industry today! You can imagine his surprise when this insurance company told him that he was “UNINSURABLE” in the state of Georgia. What happened? When he retired my friend elected COBRA and when he moved to Florida took an individual plan in Florida. He assumed that because the insurance company had such a big name that is was a national company but it WAS NOT so he could not get health insurance, at any price, in Georgia because he had this MAJOR pre-existing condition of heart disease.
You might be subject to similar consequences or worse if you get sick or have a major accident during the period you’re on COBRA. To avoid this type of situation or worse you need to work with a licensed Health Agent who specializes in Small Business Entrepreneurs.

In the niche of dental marketing, you should find ways on how to promote your dental business. Promoting your dental marketing business would mean getting more patients in your practice. For this, you need to have a recommendation from a dental marketing company adviser. In this article, dental marketing company adviser Ed O’ Keefe will to teach you the ways to become successful in your dental marketing business. And as a dental marketing company adviser, he would also recommend that you follow these ways religiously.

Sub-Niche Your Practice:

First, the dental marketing company adviser would recommend you to sub-niche your practice and start to promote other services. In the dental marketing company adviser’s case, they’re promoting an “Invisalign” for patients who needs whiter, stronger teeth. When they come to him he asks them what their ultimate goals are, and they have Invisalign as a solution for the patients to help them get straighter teeth. But if they want to get straighter, whiter teeth and they want it now, then they can present the whole treatment plan right then and there to the patient. Start sub-niching your practice. Go after your patients with problems and offer them various solutions in your practice.

Go For “Lead-Generation Marketing”:

Second, the dental marketing company adviser would recommend you to promote your dental marketing business through “lead-generation marketing”, or advertising. In advertising your services, you are actually helping people identify you as a good dentist by overwhelming them with “before and afters” proof, wherein you can educate them through DVD’s, powerpoints, and online via the Internet. This is the future of dentistry and how it’s going to be sold. You have the options of educating your patients through seminars, local workshops, or you can actually have the Internet as your option and educate them online.

Remind Your Patients Constantly

The dental marketing company adviser would also recommend you to follow up your patients with multiple mailings, postcards, etc., to constantly remind them. Contact your past patients, tell them that you have a new service. Or, you can tell them that you want to get together for their 6 month recall. Start immediately! This costs only a little. You will start getting people calling for their recall, which will reactivate them and get them in so you can help them with any other inquiries and concerns they have.

These are the ways that the dental marketing company adviser would recommend you to promote your dental marketing business. Sub-niche your practice, go for advertising, and then remind your patients constantly. Following these will help you gain more new patients in your dental marketing business!

Managing your dental practices can often be a challenge in your part, in terms of getting more case acceptance in your practice. Many patients give me all their questions about dental procedures, and they’ve been wanting to go to their dentist for those procedures. But the thing here is that they haven’t. The reason for this is that they would really like to go and give their dentist money for these procedures, but it’s not that urgent for them. Or it could be that they just keep forgetting these things! In the managing dental practices, you should be able to come up with ways on how to get more case acceptance from your dental patients. Here are some ways on managing your dental practices to get more case acceptance in your business.

Make It A Point That You Remind Your Patients Constantly

In managing dental practices, follow up your patients with multiple mailings, postcards, etc.. The goal here is to constantly remind them. Contact your past patients, tell them that you have a new service, that you want to get together for their 6 month recall. Start now! It costs only a little. By doing this, you will start getting people calling for their recall, reactivating them and getting them in so you can help them with any other inquiries they have.

Always Remember To Describe What You Do In Terms Of What You Do

In your practice, you must start describing what you do, in terms of what you do! So, instead of saying lines like “Well, I’m a dentist who does cosmetic work… or I have my own dental practice…”, you should say something like, “ I help people have a healthier, whiter, more beautiful smile.”, or, ” I assist people in getting cleaner, healthier teeth while they experience pain-free dentistry.” These lines will be very helpful in managing your dental practices. The big challenge is really from your end, on how you think about yourself. Re-frame how you think of what you do! Remember this: people don’t care about what you do; rather they want to know about the emotional benefits that it will give them.

Make Use Of The Power Of The Internet

Having a creative dental website is also a big factor in managing your dental practices. Be creative when you make your own dental practice website to attract more people in your practice. With your website, you should be able to have more traffic coming into your page ( or the flow of visitors coming in to your webpage). And any visitor can become your dental patient. Use good specific keywords (like dental, practices, etc.) By doing this, you will be able to overcome your competitors in the business! When people go online to search answers for their various dental concerns, you would want your own dental site to be displayed all over the search engines. Whether people would look up, down, to the left or to the right, you would want every door to lead to your practice!

So always remember, in getting more case acceptance in dental practices, first, constantly remind your patients through multiple mailings, etc.; second, describe what you do, in terms of what you do; and third, make use of the power of the Internet. These techniques will help you to be successful in managing your dental practices!

Even at the outset, it must be made clear that only businesses with 2-50 employees are eligible for small business health insurance. If you are self-employed and no one else works for you, then you should look into health insurance schemes meant for self-employed individuals.

If you own or a part of a business organization having 2 to 50 employees you will qualify for and benefit from a group health insurance plan. Small business health insurance holds a lot of benefits. Besides providing medical care for business owner and the employees, a small business health insurance plan is designed in a way that the financial risk is spread among all the members resulting in lower premiums and more extensive coverage for everyone in the company.

Further, small business health insurance has certain unique tax benefits. Employer contributions to a small business health insurance plans are 100% exempted from tax and employees will also save on their payroll taxes. As per law, no insurance company in any state can refuse to sell the small business health insurance as long as you meet the state’s minimum requirements concerning the type of organization you are insuring and the number of employees getting covered.

To get a precise quote on a small business health insurance policy, you will have to furnish the right information about the type of coverage you want and the relevant particulars of all the employees who have to be insured, including the number of dependents each one has.

To get a precise online quote for a small business health insurance policy, you will have to furnish the right information about the type of coverage you want and the relevant particulars of all the employees who have to be insured, including the number of dependents each one has. Please bear in mind that the accuracy of the online quote you get will largely depend on the correctness of information you provide.

Before obtaining an online quote, it is advisable to visit eHealthInsurance, the web’s largest health insurance marketplace. For small businesses, eHealthInsurance will offer instant online quotes. As soon as you enter all the basic information about your company and your employees, online quotes — customized for your company — will be immediately generated for you. You will be able to know the amount each individual employee will be required to pay toward his or her health insurance coverage, as well as the company’s contribution to each employee’s coverage.

Several health care companies present their small business clients with a portfolio of options. Within the portfolio is an assortment of policy choices regarding how the employer contributes, and what plan options the employee will have. The employees decide what sort of plan they would like to have and what they can afford. The health plans range from a standard HMO to comprehensive PPO coverage.

Either reducing coverage or asking the employees to contribute more to the plan is the obvious step to reducing small business health insurance costs. But this attitude of the employer will prove unpopular with workers. Small business health insurance may take a huge chunk out of business revenue, but insurance benefits will attract better employees and also help retain talented and skilled workers. Satisfied, healthy employees are more likely to help your business grow.

Health insurance is a well spread out business, so seeking online quotes from different providers could reduce the small business health insurance costs. Start by searching the Internet and also ask other owners of small businesses what they pay for health insurance.