The 31st Anniversary Of Project ACES

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The 31st anniversary of Project ACES (All Children Exercise Simultaneously) will be taking place on May 1st, 2019.  Come join the fun.

Project ACES is a signature program of the Youth Fitness Coalition, Inc. Project ACES was created by physical education teacher Len Saunders in 1989 as a method of motivating children to exercise. ACES takes place on the first Wednesday in May as part of National Physical Fitness and Sports Month along with National Physical Education Week. It has been labeled as “the world’s largest exercise class” by the media. Since 1989, millions of children from all over the world exercise together to promote proper health and fitness habits. With the obesity epidemic facing the youth of the world, children’s fitness plays a major role in fighting heart disease. Project ACES hopes to address these issues with its big event in May, as well as schools that participate in daily Project ACES Clubs throughout the year.

To learn more, visit the Project ACES website at:  projectaces.com

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5 Types Of Insurance For Independent Consultants And Business Owners

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By Jade Sohn

workdeskBe prepared and opt for the right insurance policies to safeguard yourself against unpredictable hazards or issues that may pop up while running your business.  Choosing suitable insurance plans can prove to be a challenging task. Chief among them is a general liability and professional liability insurance.

Also, individual consultants and married entrepreneurs only qualify for individual health insurance, leaving room for very few Health Maintenance Organization (HMO) options. Further, if you miss an HMO open enrollment period, your organization may have to survive an entire year without coverage. What would you do if an unpredictable event occurs during that time? This post talks about various options that can work as great alternatives in such a situation. Read further to explore them in detail.

1. Professional Liability Insurance

Did you know that if you are a sole proprietor of a business consultancy, you can be held legally and financially liable for any financial loss to your client resulting from your advice or occurring during your involvement? This means that you need to be prepared for the legal and financial fallout of such a situation. Even if your business is billing in the hundreds of thousands, being taken to court could cause you financial hardship, so you may benefit from subscribing to an insurance policy designed for consultant businesses.

If allegations of errors, bad advice or delay in providing a service threaten a consultant’s business, then consultant professional liability insurance can cover costs of hiring an attorney and any settlement or damages arising from the lawsuit.

2. General Liability Insurance

General liability insurance protects consultants against allegations of bodily injury, property damage, and advertising and personal injury. If your client suffers a slip and fracture at your firm, or if you accidentally damage an expensive artifact on your client’s premise, the general liability insurance will cover the medical costs and costs of replacing the artifact respectively.

General liability insurance also covers any legal challenges arising from advertising or personal injuries such as slander, libel, and defamation. If a consultant publishes any material containing false statements about a competitor or makes derogatory comments about a client before others in a way that can cause the client grief or suffering, or causes harm to his professional reputation, then a personal injury lawsuit can be brought against the ‘perpetrator’.

No matter how carefully or conscientiously you may run your consulting business, there is at least a small window of error that can potentially pose financial or legal hurdles. General liability insurance safeguards against such contingencies, allowing you to focus on challenging unfair cases and staying focused on your business rather than stressing about paying attorney fees and financial damages from your business or personal funds.

3.Short-term health insurance

If you’re hard-pressed for time and don’t have enough resources to consider or purchase long-term health insurance, you can opt for short-term health insurance. The advantage of short-term health insurance is that it’s relatively inexpensive. It also holds you to low standards of commitment, so you can always revisit the decision and choose another, better-suited health insurance for your business. Short-term health insurance, however, is not completely reliable. You may be refused coverage if the event involves a chronic health disorder. Plus, coverage earned by short-term health insurance is for low amounts.

4. Insurance through associations

healthyheartbpSome industry associations offer health insurance as a side-benefit of joining. If you are starting a consultancy business, you may want to join networking or co-promotion organizations in your city or town. These organization of which NASE is an example, offer benefits such as health insurance. However, studies by journals such as WSJ have claimed that the ROI (Return on Investment) that you receive from joining such an organization doesn’t justify the enormous joining fees that they charge. However, you may want to consider all benefits such as networking, exposure, and new leads that you get from the organization when weighing the benefits.

5. Health cost sharing

People with good health can consider health cost sharing networks as an option for health insurance. There are companies such as Liberty Healthshare, CHM, and New Health that have started up to provide affordable and no-fuss health insurance for those who can’t afford to go with regular, long-term health insurance. However, such insurance networks tend to reject many applicants on the grounds of having existing health disorders.

When starting a consultancy business, there are many factors that you have to consider. If you can’t manage all of that by yourself, you can work with smart alternatives or hacks that work just as well. This post describes various types of health insurances that can help you fight against unpredictable health hazards or issues that may crop up when running your business. After all, it’s best to be prepared than suffer expensive consequences of ignorant decisions.

To Fish Oil Or Not To Fish Oil

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Submitted by the Baylor College of Medicine….

didyouknow?We’ve all heard the advice to take a fish oil with omega-3 fatty acids to improve heart health, but are you actually getting the benefits they claim to provide? One Baylor College of Medicine cardiologist says probably not, and that goes for most over-the-counter supplements.

“They may not be bad for you, but you also may not know exactly what you are getting. Supplements are not regulated by the FDA, and the benefits haven’t been fully investigated,” said Dr. Christie Ballantyne, professor of medicine and chief of the section of cardiology at Baylor. “If you are at high risk for heart attack or stroke and decide to add an over-the-counter fish oil pill to your diet and you think you are getting a benefit, there is a good chance you are not.”

Ballantyne is lead researcher on the REDUCE-IT trial that investigated the effects of icosapent ethyl, a highly purified eicosapentaenoic acid (EPA) ethyl ester, which is an omega-3 fatty acid purified from fish oil. People who were at high risk of cardiovascular events despite being on a statin treatment were given a dosage of 4000 mg daily and the results (read more about REDUCE-IT here) did show a decrease in cardiovascular events; however, Ballantyne said an important distinction is the amount and the type of omega-3 fatty acid used and the amount.

“What we use in the REDUCE-IT trial is prescription grade and FDA approved. It is a highly refined form, not what you find in a dietary supplement capsule,” Ballantyne said. “Even if the amount listed on the supplement label is, for example, 1000mg, you should read the ingredients. 1000mg doesn’t mean pure fish oil; there are other elements included and the usual amount of omega 3 fatty acids – EPA and docosahexanoic acid, or DHA – is usually only a total of 300 mg. So, to get the benefits we saw in the trial, you would have to take an enormous number of capsules.” 

Reading the ingredient list is important on all supplements. Not all items are listed on the front label, so make sure to check the small print. In some cases, the added items might actually hurt your health, Ballantyne said. For example, losing weight is a way to improve heart health, but there have been effective weight loss supplements that include ingredients that have been known to increase the risk of cardiovascular events. Also make sure that you purchase a reputable brand as there are some protein powders that claim to be all natural and enhance muscle strength, but include synthetic steroids.

“The ingredients might not be harmful, but if you already have some type of health issue, it could add complications. You should know what you are putting in your body, and you should talk to your doctor about any type of supplements you are taking,” he said. “And if you still want to add certain supplements to your body, the best way to start is to eat healthy and get your required vitamins and health benefits from whole foods.”

Ballantyne also is the director of the Maria and Alando J. Ballantyne Atherosclerosis Clinical Research Laboratory at Baylor, director of the Center for Cardiovascular Disease Prevention at the Methodist DeBakey Heart Center and co-director of the Lipid Metabolism and Atherosclerosis Clinic at Houston Methodist. He also holds the J. S. Abercrombie Chair in Atherosclerosis and Lipoprotein Research at Baylor.