Healthy Eating Facts For Kids

Healthy eating can start at any age, but the younger we are when we start eating healthy, the more of a chance we can avoid illness later in life. If you have children, then you need to make sure they are eating foods that truly are healthy for them. Sometimes, though, you may not know what to provide to your kids. There is such conflicting information out there about what is truly healthy for kids and what is not. To help you get through the confusion, here are five healthy eating facts for kids.

1.Breakfast is a must. There have been numerous studies that have shown that when kids eat a healthy breakfast, they are able to concentrate better in school. In addition, they will have more energy throughout the day. It can be easy to skip breakfast when you are in a hurry, but if you want to make sure your kids are practicing healthy eating, you need to provide them with breakfast.

2.Another of the healthy eating facts for kids would be the importance of dairy. Your childs bones are still developing. This means that calcium is a must. Dairy products are very high in calcium. All you need to do is look for low fat products like skim or 1% milk and low fat cheeses.

3.Kids are more likely to be willing to practice healthy eating if you allow them to be involved in cooking. When you are getting ready to prepare family dinner, be sure to allow your kids to help. Look for simple tasks that will not be dangerous for them, but will make them feel like they have an important responsibility.

4.Perhaps one of the most important healthy eating facts for kids would be how valuable fruits and vegetables are. Many times, kids will choose unhealthy junk food over fruits and vegetables, but kids need five servings of these healthy foods every day. Find ways to make sure they are getting them through fruit slices for snacks or low sugar fruit juices.

5.Family dinner makes a difference. When you all sit down for a meal, it is much easier to make sure your child is eating healthy. No matter how busy you are, try to have one family meal together each day.

As you can see, these five healthy eating facts for kids will make it much easier for you to get started making sure your own child is eating healthy for a better future.

How is 3D printing technology used in Architecture and Medicine

D printing technology is used to manufacture prototypes, tools, and end-user parts directly from a CAD design. This printing technology offers unprecedented flexibility as it can create a part of any dimension out of any material. Some of the 3d printing materials used include metals, polymers, ceramics, composites, and many more. The 3D printing technology has complete control over material composition, surface texture, and micro-structure of the prototype. 3D printing technology also allows the user to construct prototypes using two different materials. >

Lets take a look at this amazing technology and how it has affected the field of architecture and medicine:

3D printing for Architecture

Architects know that there is nothing like a physical model of a building when it comes to displaying their work or design concept. Physical models also play an important role when it comes to explaining and convincing the customer while selling a project.

3D printers are affordable and high quality solutions for architects. Building a physical model requires great deal of expertise, precision, and time. 3D printing machines help designers focus on their building design, while the devices make 3D models of the project.

Many architects are not tech-savvy and are not used to operating complex devices. 3D printers do not require human intervention at any stage of the printing process. Architects just need to need to draw a CAD diagram of the project and instruct the 3D printer to build a 3D model. The 3D printer can print the model within a few hours, which can then be presented to the client.

3D printers are capable of producing of 3D models with accuracy and speed without compromising on the finer details of the architectural project. The price of desktop 3D printing machines is not that high and independent architects can also afford them.

3D printing for Medicine

The application of 3D printing technology can also be found in the production of medical devices. There are different 3D printing materials available that can be used to build real parts. For example, manufacturing hearing aids is a complex process because they are custom-fit devices and cannot be mass produced. 3D printing greatly helps in such matters where medical devices need to custom-fit a patient.

The future of the 3D printing technology is very bright. Market experts state that 3D printing technology will be affordable to the masses by the next decade. The prices of 3D printing devices are falling rapidly, and it is believed that the prices of 3D printers will drop by as much as 80% in the next 5-10 years. It will not be a surprise to see 3D printing devices in each household just like refrigerators, washing machines, and televisions.

Healthcare Law Means Changes For Nurse Management Jobs

A good example of the burdensome regulations applies directly to nurse management jobs. There is a provision in the law requiring medical facilities to allow breaks for employees who are also nursing mothers, in order to allow them time to express milk. For a nurse manager this presents a whole new set of problems.

For instance, the law states breaks must be “reasonable” in terms of length. But who decides what “reasonable” is? If one nursing mother can express her milk in 15 minutes while another takes 30, there will be questions about fairness and equal time. Then there’s the question of workers who have babies brought to the workplace to nurse rather than expressing milk and putting it in the refrigerator.

Just this one little regulation is already causing a lot of headaches for nurse managers. It provides further evidence that the health care overhaul is not all it’s cracked up to be.

Nurse Management Jobs Still Worthwhile

Despite the changes in the healthcare regulations, don’t be discouraged if you want to get into the healthcare field. Nurse management jobs are still very attractive for a variety of reasons. They offer excellent pay, a good working environment, and room for professional advancement.

Furthermore, working as a nurse manager brings with it a measure of personal satisfaction by being able to help make the lives of patients better. By your willingness to put your best foot forward your nursing staff will be encouraged to do the same and your patients will benefit.

You and Your Staff

To excel as a nurse manager requires a way of thinking that’s slightly different from what you did as an active floor nurse. In other words, before moving into management your primary focus was your patients. As a nurse manager you’re still focused on patient care, but you’re more focused on your staff as the vehicle to provide that care.

Nurse management jobs are therefore more about encouraging the success of your staff. When you’re nurses are doing well, so will your patients. When your nurses are not performing up to standards patient care will suffer.

Nurse Managers also have the added responsibility of representing their staff before upper management and other members of the healthcare team. This requires a certain amount advocacy which some nurse managers find difficult. Nonetheless, it’s part of building a solid team.

In the United States there is currently a significant shortage of nurses and nurse managers. There are nurse management jobs available in big cities, small towns, and through temporary staffing agencies. If you’re qualified and want to work, it’s out there for the taking.

What Makes Using An Infrared Sauna A Healthy Solution

People nowadays are more health-conscious. We are more aware of what we eat or drink, we run marathons, juice vegetables, take natural supplements or enroll in yoga classes to keep our bodies fit and sound. As the world becomes more polluted, we resort to solutions that will, hopefully, keep us away from being vulnerable to diseases and other health problems. Despite a good number of healthy solutions, only a few can compare to those you can get by utilizing an infrared sauna.

Research has proven that infrared saunas can actually relieve pain, reduce blood pressure, promote weight loss, reverse heart disease, and best of all, fight cancer. They work by using infrared heaters to convert light into heat. The heat penetrates into the body’s tissues and heats water molecules to release extra toxins Without raising temperature,.

So how does an infrared sauna fight diseases? For one like cancer that grows on tissues due to poor circulation, the sauna can boost overall circulation and help distribute the necessary nutrients needed by the body’s tissues. For those suffering from congestive heart failure, saunas have been proven to strengthen the heart, improve blood pressure and help relieve arrhythmia. Infrared treatment has also been reported to reduce tumor volume to 86% in 30 days.

Moreover, the infrared sauna is useful if you want to reduce your blood pressure without resorting to prescription drugs because it can dilate blood cells and reduce thickness of the inner lining. Repeated treatment can also help impaired blood vessels function well and improve the lives of those suffering from high blood, high cholesterol, and diabetes.

For those with weight issues, the infrared sauna can be a healthy alternative to other means of sweating because 30 minutes inside it equates to 30 minutes of average aerobic exercise. Though it does not replace exercise efforts, it augments exercise routines.

Ultimately, if you want your body to reach its highest potential, go for this healthy solution. Don’t forget, however, to eat well, sleep well and exercise to achieve optimum health. For more information, visit
cancerdefeated.com/newsletters/Infrared-Saunas-A-Fun-Relaxing-
Way-to-Detox.html. This writeup explains more about the benefits of infrared sauna.

Citizenship Test Study Guide

Announcing the launch of new educational publishing company

R.T. Publications is releasing its first study guide with numerous more to follow in the near future. Their new study guide,designed to help people pass the U.S. Citizenship exam and interview, is being praised and new and innovative. It has a simple, straightforward approach that is interesting yet easy to understand.

It can be found at citizenshipcd.com

A free, mini version with many study tips can be found at citizenshiptesttips.com This site is loaded with free citizenship and immigration information.

Now, a word from the founder of R.T. Publications and the author of the new citizenship study guide, Richard Rash:

R.T. Publications is a small, independently owned and operated publishing company dedicated to communities, whether they are next-door or a half a world away. We believe that to be truly free, one has to have easy access to accurate information that is true and understandable. Information can bring people and communities together for a common goal or cause and our mission is to be a part of this growing, positive trend.

Our passion at R.T. Publications is to teach, educate, inform and grow with people and communities. “Passing the U.S. Citizenship Interview: Yes, You Can Do It!” is a prime example of our passion at work. Have you ever attended a ceremony where new U.S. Citizens are being sworn in? Our founder and author of this study guide, Richard Rash, has attended numerous ceremonies, including his wife’s. He says the look of pride, joy, relief and gratitude on the faces of new Americans meld together and surrounds the person in an aura that glows like a parent gazing upon their new born child for the first time. That is what drives us, that is why we do what we do: to play a part in watershed moments in people’s lives.

We hope that our passion reflects in our work and we look forward to providing you with quality educational materials in the future. We encourage you to contact us with questions, suggestions, submissions, ideas or concerns.

I know of no more encouraging fact than the unquestionable ability of a person to elevate their life by conscious endeavor.

Henry David Thoreau

Citizenshipcd.com citizenshiptesttips.com

Building Your Auto Repair Business With Brochures

Bills Auto Shop was doing alright. They had been in business for ten years, and there was a steady stream of business. Still, there were some new residential developments in the county and the population was growing. There were other, much newer shops in the country, and the owner of Bills was worried that he might be left behind and eventually forgotten.

Bill needed a long term strategy, and he didnt have one. He decided to call on an old friend and long time customer a salesman who had brought in his car many times for repair. The salesman showed up on a slow day, and they talked about Bills concerns.

The salesman went away for a few days and then came back. He had a plan. He felt that Bills Auto needed to use information better, in order to educate new and existing customers and in order to market to potential customers. He operated under the maxim that an educated customer will better understand what his needs are, and that he will respond to them better if he knows the pitfalls of not taking action.

The salesman felt that a series of brochures having to do with car maintenance and repair could be produced pretty cost effectively, and that these could be made available in the shop itself. He recommended a rack be placed in the waiting areas, so that people could browse the brochures and read them and take them if they liked. He recommended a brochure to help people understand the care and maintenance of tires. He recommended the same thing for brakes, and for the electrical system. In time, they would have twenty or more brochures, covering every aspect of the care and maintenance of the typical automobile. Additionally, they would branch out and create brochures for individual makes of cars, each with their own idiosyncrasies. They wanted to develop an expertise second to none in the area, and they wanted to increase public confidence that they were the premier service shop in the area.

As a next step, they began amending the brochures for the purpose of marketing, and they began a series of planned mailings into local neighborhoods. The purpose was to introduce themselves and to offer special deals on brakes, tires, electrical work, and so forth. The idea was to bring in a number of people interested in the same thing tires, for example and to take care of their needs before moving on to other segments of the market.

New Pricing Technology Makes Car Insurance Cheaper

Over the years, the technology used to calculate car insurance premiums has changed dramatically. Actuaries used to figure out premium levels by hand using books of statistical data. Later, adding machines and early computers ground through the numbers. More recently, online forms were invented which allowed you to get a quote online.

After all that time grinding things out, what most insurers and consumers wanted was speed. As a result, the current model for most traditional or mainline insurance companies in Australia consists of just a few questions. With these tiny points of data, a quote is generated based on aggregated consumer averages.

The result is a fast quote, but not a very accurate one. Most people dont notice that they are being treated as averages. They simply pay the quoted amount and pay rate increases even if they are accident free. However, you dont have to settle for this outdated and inaccurate system any more.

While most insurers havent gotten there yet, there are a few car insurance companies that have been pioneering a new way of calculating premiums. This new pricing methodology is based around creating highly detailed risk profiles of potential customers. This allows a calculation of premium that can truly separate high-risk from low risk customers.

There are several winning elements to this methodology. However, for consumers like you, the main benefit is often lower prices. If you are a good driver with a limited number of claims, you can really make home some substantial savings by switching to a company using this in-depth modelling framework to calculate rates for insurance cover.

It can feel a bit strange, especially after years of living with the old speed-is-everything system. Thats not to imply that this method isnt fast, mind you. It simply asks several additional questions about parking locations, length of commute to work, and so on.

As one of the early adopters, you stand to benefit the most. While your friends potter along with outdated insurance policies with off-the-rack premiums, you can have a custom tailored premium that only charges for the real risk you face as a driver and customer. Youll be able to quit subsidizing the behaviours of others through blanket premiums, and get to enjoy the fruits of your own careful behaviour on the road.

This is especially true if you really arent an “average” driver. If you only drive a few days a week, work from home and dont use your car regularly, or are retired and dont drive long distances, you have a dramatically different risk profile than most Australians. Yet you have been paying “average” rates for years, since the old method never inquired about your true habits.

Even if youre not a fan of the new and different, this is a new technology youll want to embrace. The new technology behind this quoting system isnt all flash and sparkle. It truly represents a way to make insurance premiums cheaper for you through more accurate pricing of your insurance cover based on your real risk profile.

Curtain Tracks From Cube Care Support Efficient Health Care Services

When you set out to change the decor of a health care facility, you may not know what it entails. You want products that are affordable yet professional, stylish but appropriate, durable and easy to install. At Cube Care, they know the difficulties involved and have the products you need. From cubicle curtains to curtain tracks, Cube Care has the most innovative products in the industry. Their business centers provide first class solutions that directly meet the needs and budget of modern healthcare facilities.

As a provider of elite interior decorating services to healthcare facilities across North America since 1999, Cube Care’s expertise has helped streamline every process from planning through to the installation of their health care decor products. In a culture of asking “what if” they have been driven to reinvent what they have to offer to their clients, while ensuring the highest calibre of services and top quality at low prices.

Cube Care offers health care facilities products such as bed spreads, cart covers, cubicle curtains, disposable cubicle curtains, health care furniture, IV systems, shower curtains and rods, window treatments and cubicle curtain tracks. The cubicle curtains and tracks are a main product from Cube Care due to their high quality and the variety of tracks available to customers.

Consider Cube Care’s Classic curtain track system, one of the most popular products in Cube Care’s catalogue. This leading system is known for its tangle free carriers, which glide effortlessly through the tracks without any moving parts. Therefore, these stylish curtain tracks not only provide your facility with extended lifetime usage, but also a high standard of performance.

For use in mental health facilities, Cube Care offers their Psychiatric Track. This enhanced safety product is manufactured without the use of any hooks or pins for premium levels of safety in the administration of first-class quality mental health care.

Along with the abundance of tracking systems offered by Cube Care, there are also accessories for the tracks available. If you are in search of items such as an Economy Carrier, Wheel Carrier, Deluxe Spool Carrier, Pop-Out Carrier, Splices, End Caps, Pull Outs, and Tie backs for tracks, Cube Care has your bases covered.

Cube Care has gained their reputable image by creating products that turn stale facilities into state-of-the art health centers of top quality patient care. Speak to one of their experts today and see how much your company has to gain by selecting from their first-class product catalogue. Cube Care’s commitment to customer satisfaction ensures that clients receive the highest quality and most stylish product at an affordable price. For more information about Cube Care products, visit cubecare.

Memory and Education Games

Are you tying to find useful entertaining activities? Well, maybe its` time you gave Joya memory games and other educational games a try. Why not have fun, while training your memory at the same time? If this is starting to sound like a good idea to you, you should probably know that there are different types of memory and educational games. The differences can be pretty significant, as they provide fun activities for different ages, and even for different interests. The great thing about these games is that they can get quite personal. Because there is such a large variety online, every individual can choose their games according to their personal preferences. There are different levels you can choose to play. If you feel like a little challenge, you can simply take on a high level memory game, while if you just feel like relaxing, you can choose a lower one.
These sorts of games are great family activities, as they are really easy to access and play. As a parent, if you want to get your children involved, you can simply choose a lower level educational game and help them build up. After all, children learn everything a lot faster when new information is presented in the form of fun activities. Also, it is these sorts of family games that will allow you to spend some quality time with your children. Children will also enjoy that quality time spent with their parents, and they will develop a comfortable feeling about learning together with your parents. Many children are reticent when it comes to parents and homework. They hate asking their parents for help, as they feel uncomfortable for not handling it themselves. However, memory and educational games family time can make that feeling vanish in just a few minutes. Children love showing their parents that they are good at something. This is why, this sort of games will help them blossom.

Fashion Photographer London

Find a great fashion photographer online

Are you on the lookout for a fashion photographer? There is a wide range of circumstances in which you may require a great glamour or fashion photographer. Fashion photo editors around the world frequently require large quantities of original and striking fashion photographs, whether they are intended to fill the pages of a general woman’s magazine or a more specialised title, and as one of the world’s key fashion capitals, London is no exception.

To find a top fashion photographer of a range of profiles, career stages and most importantly of all, portfolios, there are few better ideas than browsing online first.

Why should I look online for a fashion photographer?

If there’s one thing that the Internet was surely made for, it’s as a great way to appreciate a wide range of photography! There are plenty of London-based fashion photographers whose portfolios are readily available online, and one of the great things about the Internet is that you can take your time in browsing these portfolios and, indeed, the wider websites of such photographers.

This allows you to only choose a fashion photographer London who has the most appropriate portfolio along with the best prices.

What distinguishes a great fashion photographer London from the rest?

Great fashion photography should be about communicating great ideas in the most fresh and creative fashion, and if you are on the lookout for a fashion photographer London, you will want to be assured that photography is their central and guiding passion. The best fashion photographer London will continually create great photos of a wide range of types and approaches, with looks that perfectly suit their models.

The right fashion photographer London for your next project will be absolutely professional, and will have a strong passion for the areas such as make-up and hair that allow for the right “look” to be created for a particular model. As we alluded to earlier, a great photographer will also have competitive prices. Such a person will also treat their clients with respect, and will be easy to contact through their website or by phone. They may even have a blog that you can take a look at.Lenkiphotography.com is a specialist Fashion Photographer London. Photography is my passion and I offer a competitive pricing structure. Contact me if you require a Budoir Photographer London.

Technology Books deal with the creative use of technical means

Technologyis the knowledge of tools,machines, techniques andmethods of organization in order to solve a problem. Technology books deal with the creative use of technical means, and the interaction with life, society, and environment. They are widely used in the field of art, science and invention. These books focus on the application of knowledge and science to commerce and industry. There a number of books on technology those are available in India and all over the world. It is essential to know the booksprice in India before buying them online.

There are a number of Books in the market. The main thing is that one should find out how important these books are. It would be wise to find out the most important technology books that one would need. Most of the technology books prices in India are high. In order to find the Technology books price in India on the various sites, one will have to do a lot of work on it. In case one feels that the pricesfor all these books are too high, then one can try making a search for theused bookstoo. They would come at much affordable rates than the original new one. Sometimes there are discounts being offered by the sites. It would be good to utilize these offers andbuy technology books at economicalprice. There is a great variety of books available on the online market like comedy, horror, crime, mystery, science fiction,Fiction Books, non-fiction, fantasy, thriller and many others. These books are available at very affordable and economical price.

-The World is Flat: A Brief History of the Twenty-First Century- byThomas L. Friedman is a popular technology book. This book is an account of the great changes taking place in our time, as lightning-swift advances in technology and communications put people all over the globe in touch as never before-creating an explosion of wealth in India and China, and challenging the rest of us to run even faster just to stay in place.David Weinberger in his book -Everything Is Miscellaneous: The Power of the New Digital Disorder- charts the new principles of digital order that are remaking business, education, politics, science, and culture. -What Technology Wants- is a popular technology book by Kevin Kelly. This provoking book introduces a brand-new view of technology. It suggests that technology as a whole is not just a jumble of wires and metal but a living, evolving organism that has its own unconscious needs and tendencies. Kelly looks out through the eyes of this global technological system to discover “what it wants.” Kelly uses vibrant examples from the past to trace technology’s long course.

Wilson Roy is a well known author and has written articles on Anthropology Books in india, Laptops store, Economics Books price, online shop and many other subjects.

MAHA USA Automotive Lifts Solutions

With over 40 years of experience, MAHA USA is the premier US manufacturer of German-engineered automotive lifts. Their renowned technology and reputation for quality has made their automotive lifts some of the best across the board, used by automotive repair shops, car dealership service facilities, and OEMs.

MAHA USAs automotive lifts meet strict industry standards and are famous for their high quality designs and safety features. From drawing board to assembly line, their automotive lifts are relied upon by major car manufacturers for their reliability and state-of-the-art design.

Now more than ever, automotive lifts are in great demand because people are hanging on to their cars longer, and repairing them, rather than trading them in, or leasing new vehicles. The automotive repair and body shop industries are expanding rapidly, adding more repair bays to handle increased demand. This has simultaneously increased demand for automotive lifts, because it is less costly to make minor repairs, rather than start from scratch with a brand new car. Additionally, people are more conscious of maintenance, using less costly quick-lube service locations, which make good use of automotive lifts, rather than going to a more expensive dealership service centers. MAHA automotive lifts are used by car rental agencies to repair and service their vehicles, and automotive hobby enthusiasts, particularly those who are sticklers about their cars interior parts, as well as its exterior appearance.

MAHA USA manufactures many different types of automotive lifts depending on the needs of their customers. Their automotive lift technology includes two post, four post, and specialty automotive lifts, as well as specialty, in-ground and scissors automotive lifts for cars, light trucks and SUVs. Depending on the type of business, these automotive lifts can be customized to suit the needs of auto repair shops, body shops, neighborhood repair shops, quick lube service centers and dealerships. All you have to do is asses your layout and MAHAs distributors will help you determine which automotive lifts are ideal for your setup.

Once you have determined your needs, you can proceed with opening up a new car repair or body shop, or maybe acquire a quick oil change franchise to add this valuable service to your community. Take advantage of the technology of one of the premier American manufacturers, and put it to good use to rebound during these tough economic times. Getting into the auto service business can be a lucrative endeavor, now that new cars are not as easy to obtain. Having automotive lifts from MAHA USA can ensure a new business venture gets off to a great start, or the expansion of an existing auto body service shop is completed without depleting too much equity from your business.

Automotive lifts from MAHA USA are a wise investment to ensure the success of your existing business, or to get you in on the ground floor of a new venture. Trust the quality from MAHA USA for all your automotive repair needs.

Types of Access Control Technologies

With so much sensitive information being sent out over the internet, there has been a high demand for access control technologies lately. These services allow for security in the processing and contacting of certain functions and data. They also protect physical locations, like guarding high risk areas, or financial institutions. There are many forms of equipment utilized daily to reach these levels of safety, below is a list of 4.

Computer Security

Whether it’s regarding online banking or a government security sector, there’s a lot of information stored on the internet that should never be accessed by restricted personnel. From general features such as authorizing and authenticating users to passwords, biometric scans, and the use of physical keys, there is a wide range of possible services to employ.

Door Lock Systems

Houses and apartment units often have some form of alarm and lock system set up to protect their property from loss and theft. These types of systems usually operate with triggers, light sensitivity, codes, and passwords. There are also multiple ulterior methods of guarding your assets; some of which are utilized by banks, military bases, casinos, and other high risk areas. One of the more advanced techniques involves a hand scanner, which reads palms and fingerprints in order to distinguish between employees.

Elevators

Elevators are used every day in apartment complexes, shopping malls, and many other regularly entered buildings. There are, however, some restrictions applied to most elevators involving which floors can be reached and why whom, or whether the compartment will be able to move at all without the appropriate method of action. Keys are commonly used in this mode of transformation, but codes can also be entered using the standard keypad that usually allows you to enter the floor number you’d wish to visit.

Parking

There are multiple forms of underground and aboveground parking for apartment units, office spaces, shopping malls, hospitals, and government buildings. The most common method of parking security is a push button that has been added to the user’s keychain which activates the garage door to allow usage. Other methods involve codes being punched into keypads, telephone calling the system for allowance, and card swiping for entry.

No matter your purpose for purchasing this equipment, there are many venders available to customize your tools to suit your needs. From in store retailers that can be located right there in your community, to online sources who provide service and products through the internet only, there are outlets for every means of provision. Research the company you decide to work through before making any commitments, and make sure that they cover everything you need protected.

For more information about access control technologies, please visit our website.

Medicare Advantage Will Get Hit With Health Care Reform

Since even before Medicare was passed in 1965 its been a source of frustration and intense debate from The Hill to Main Street. From concierge doctors to family physicians, politicians and family gatherings, health care reform is still a tough subject to grasp.

While Andy Griffith is currently appearing in television ads explaining Medicare changes to seniors, and the White House is praising its upcoming health care overhaul, the facts of how Medicare will change still remain a bit fuzzy.

1965. A lot of good things came out that year, like Medicare. This year, like always, we’ll have our guaranteed benefits and, with the new health care law, more good things are coming. Free checkups. Lower prescription costs and better ways to protect us and Medicare from fraud. See what else is new. I think you’re gonna like it, says Andy Griffith in his new TV ad. (Time.com) Seems to be pretty simply and explanatory, right? In reality, its a little more complicated.

Time.com states that Medicare Advantage, will in fact be greatly affected by health care reform, causing many seniors who have Medicare Advantage plans to lose fringe benefits that are not required by law. According to the Wall Street Journal, dozens of Medicare Advantage providers plan to cut back vision, dental and prescription benefits. Some plans are eliminating free teeth cleanings and gym memberships, and raising fees for hearing aids, eye glasses and emergency-room visits.

Medicare Advantage plans will take the biggest hit when the health care overhaul starts to take effect next month, mainly because Medicare Advantage plans are privately run plans that offer additional benefits beyond traditional Medicare. Obamas health care overhaul cuts to Medicare Advantage will open up the doors for 30 million Americans who currently dont have health insurance c overage. By taking some funding away from Medicare Advantage, money can be put towards those 30 million uninsured.

Democrats say the payment cuts are fair because Medicare overpays private insurers to run the plans. The government now pays private insurance companies an average of 9% more to operate the plans than it costs the government to run traditional Medicare, according to the Medicare Payment Advisory Commission, an independent congressional agency. That allows insurers to offer richer benefits to enrollees. (Wall Street Journal Online)

As for standard Medicare plans, they will not change, a common misconception among seniors according to Time.com. In a July poll, 50% of seniors believed health care reform would cut benefits that were previously provided to all people on Medicare, and that Medicare patients will have to spend more out of their own pocket. The reality is that while Medicare Advantage will change dramatically, standard Medicare will not, according to Time.com.

The law requires Medicare to pay 100% of preventive care, which includes checkups. The law will also gradually close the Medicare prescription drug gap known as the doughnut hole.

How To Save $500 On Gap Auto Insurance

The average price for gap auto insurance sold by an auto dealership or finance company is $578.

Q. So why would anybody in their right mind pay $500 more they should?

A. They dont know any better.

Imagine youre in a car dealership and youve just purchased a brand new car. Youre sitting there with a self satisfied smile on your face that lets everybody in the showroom know you just brought the salesman to his knees with your finely honed negotiating skills.

Next you go see the finance person to arrange a loan. This is where youre casually informed that if you wreck your beautiful new car during the next year or two youre going to have fork over maybe five grand because the car will be worth that much less than what you still owe the bank.

Lucky for you the finance guy has a tailored made solution to the problem. For a measly $578 one time fee you can purchase a gap policy that protects you from a potential shortfall, up to $5,000, if you owe the bank more than the car is worth when that bus hits you.

Of course youre going to say “sure, go ahead” because youre afraid of losing your shirt and, by the way, did I tell you the premium could be rolled right into the loan?

On one hand, youre relieved to know the value your asset is protected, but on the other hand youre asking yourself why it had to cost so much.

Well, it doesnt. But who knew that there was even such a thing as gap insurance much less how much its supposed to cost. The problem is not with you, but with the major insurance companies and their brokers.

The reason you dont hear anything about gap from your insurance agent is that it isnt exactly a big money maker. With an average gap endorsement costing around $35 a year, there isnt a lot of profit incentive to buy 30 second spots on American Idol.

Besides the price, theres another difference between the gap insurance sold by a car dealer and the policy rider sold by a name brand gap insurance provider. When you buy gap from a major insurer you can cancel the rider as soon as the loan balance and value of your car reach parity usually within the first two years of ownership.

With dealership gap insurance, the coverage is spread out over 60 months and cannot be canceled for a refund whether you need it or not.