3 Reasons Why Getting Insured Early is Smart

As this generation gains more and more access to a widespread knowledge about the inevitabilities of life, many are leaning towards getting themselves on track for a healthier way of living. This is the main reason why many people are more eager to take part in hearty dietary plans and regular exercise, as well as professional guidance regarding their health.

happy workers

People are now more aware that when unfortunate events happen in their lives, it is not only their health that will be greatly impacted. Many have already foreseen great financial stresses that may come to their businesses and to their families once these things happen. For this reason, life insurance is essentially a necessity.

True enough, life can be so unpredictable that the acceptance of the inevitability of some bad circumstance to happen is crucial. This is why life insurance plans have become a pavement for many in the United States, and has also been prominent in many parts of the world. In the U.S, 2/3 of the population have already availed life plans because of the emphasis of the government for its significance. These plans have proven to be a useful tool to help a person and his family to minimize the problems financially, as well as to continue financially stable life even after the policy holder is deceased.

What presents itself as a debate is whether a person should already avail a life insurance at a young age or when he has just started his career. The alternate question would be if it is better to be established financially first before gaining access to a life insurance. The obvious answer is to have resources first, but this article begs to differ. Here are 3 reasons why getting life insurance early is the best way to do it:

It’s Financially Smart

One thing that stands as a custom for any successful business is that it should minimize expenditures and maximize profits. Business owners do the best they can to cut luxurious services or even equipment in their establishments, while still producing at the optimum level. That same thinking is applicable for an employee wanting to be successful in his career.

Nonetheless, being money-smart is not a one-time thing if a person really wants to be a significant player in the market or make a name in his line of work. It should be a consistent attitude that roots from culturing one’s self to be wise financially. Thus, financial management starts personally.

Financial advisers would always tell their clients that there are a variety of ways on how to handle finances. It should take into account both the financial present and future of any person. Saving is an important facet in everyone’s financial status. This is because there comes a time when financial problems may arise or business may not be going too well. It is in these bad circumstances where money saved can provide its best benefit.

Any good saver first establishes where to put his or her money. This can be manifested in opening bank accounts, preferably savings accounts where the person can deposit his money. An alternative method of saving is investing.

smart money

Investing is integral for people who are aware of the financial wonders it may bring about. Investing early is much more preferred since money requires time to grow. However, where does one invest? Banking is the most common used approach for saving money, and is a form of investing as well. Over time, money saved in a bank account can accumulate interest. Investing the money on the stocks market can also be an option for those who want to involve themselves in trading.

While everything mentioned tackled gains, financial management also puts a highlight on considering future events like retirement. Being able to get an individual insured is one of the better things when it comes to finances. Getting an insurance policy which entitles a person financial protection or reimbursement against losses is imperative for a money-smart individual.

This is because the insurance protects him from the risks of financial losses, damages or liability for damage caused by a third party. Insurance companies can vary in wide arrays, but the most significantly popular ones involve health and protection. Rigorous medical examinations are involved in getting the actual policy, but smarter people opt to take advantage of insurance providers that give no exam insurance quote. In turn, this a simpler approach to highly beenfcial engagement.

It Prompts a Healthy Lifestyle

While the young may spend most of his or her energies balancing work, social life and personal life, some people are finding it hard to keep them aligned with the healthy way of living. The most common problem for people in the states is weight-management, as more people are getting obese due to improper eating habits and lack of exercise.

healthy outside

Another thing that goes unnoticed is most people are depending on alcohol as a stress-reliever. According to a United States survey in 2014, 87.6 percent of people ages 18 or older reported that they drank alcohol at some point in their lifetime; 71.0 percent reported that they drank in the past year; 56.9 percent reported that they drank in the past month.

Simply put, a person who is just starting his career does not need any medical hindrance along his way. What he needs is total dedication to his work, aligned with an awareness of the needs for his health. Getting a life insurance at this point of time helps a person to have more discipline within him, assessing the things his body needs and doesn’t need.

This comes from the fact that life insurances are designed to have a series of medical examinations to check whether you can avail one or not. Having a desire of getting insured prompts a person to avoid the unhealthy lifestyle, making him more prepared for these tests. The future implications are purely positive as many who have disciplined themselves at a younger age would have less medical issues as they grow older.

People Make Smarter Options with the Constraints

Being young and just a starter in a career makes a person bound to have constraints financially. With little resources to spare, these limits make a great impact in purchasing of life insurances. According to the Department of Financial Services, the premium rate for a life insurance policy is grounded on two fundamental concepts which are mortality and interest. Often, a third variable is the expense factor which is defined as the sum the company adds to the cost of the policy to cover operating costs such as selling insurance, investing the premiums, and paying claims.

life insurance policy

By understanding the concept behind life insurance pricing, a young person can now be able to pinpoint what factors affect the prices. With the large number of companies offering plans, it is paramount that one compares these prices to another. One simple thing to do is to get several quotes from these companies. Avoiding policy riders and additional insurances such as option to purchase child policies or more insurance is important to cut prices as well.

Insurance coverage is the amount of risk or liability that is covered for an individual or entity by way of insurance services. With several company quotes at hand, there are easy comparisons as to how much the total sum would be. However, it is also an important factor to inspect the coverage of these life insurances since not all cheapest policies are good.

International Clinical Trials Day

19 May, 16 | by aaldcroft

By Sir George Chalmers, c 1720-1791 - [1], Public Domain, https://commons.wikimedia.org/w/index.php?curid=32922810

Today is Clinical Trials Day. Celebrated around the world on or near May 20, Clinical Trials Day commemorates the date when, in 1747, James Lind started the first clinical trial to test citrus fruits as a treatment for scurvy.

This year’s campaign from the NIHR is OK To Ask, which encourages patients and carers to inquire about research opportunities that could be available. We here at BMJ Open support initiatives for patient involvement in research and decision-making and hope that, in making our content freely available online, we help make research more familiar and accessible to the public, including patients, for whom the research is ultimately intended.

While James Lind’s basic principle for the trial remains, the scale, sophistication, and problems surrounding modern trials are evolving rapidly. The importance of registering drugs and publishing all trial results is recognised, but adherence remains unsatisfactory. The notion of what constitutes an intervention is also changing, with text messaging and educational methods now being studied using the same framework as drugs.

BMJ Open will continue efforts to improve the quality of reporting trials, emphasizing the importance of publishing null and negative results and study protocols. The clinical trial is certainly worthy of celebration, along with improvement.

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By Sir George Chalmers, c 1720-1791 - [1], Public Domain, https://commons.wikimedia.org/w/index.php?curid=32922810

Today is Clinical Trials Day. Celebrated around the world on or near May 20, Clinical Trials Day commemorates the date when, in 1747, James Lind started the first clinical trial to test citrus fruits as a treatment for scurvy.

This year’s campaign from the NIHR is OK To Ask, which encourages patients and carers to inquire about research opportunities that could be available. We here at BMJ Open support initiatives for patient involvement in research and decision-making and hope that, in making our content freely available online, we help make research more familiar and accessible to the public, including patients, for whom the research is ultimately intended.

While James Lind’s basic principle for the trial remains, the scale, sophistication, and problems surrounding modern trials are evolving rapidly. The importance of registering drugs and publishing all trial results is recognised, but adherence remains unsatisfactory. The notion of what constitutes an intervention is also changing, with text messaging and educational methods now being studied using the same framework as drugs.

BMJ Open will continue efforts to improve the quality of reporting trials, emphasizing the importance of publishing null and negative results and study protocols. The clinical trial is certainly worthy of celebration, along with improvement.

What You Need to Know About Medical Publishing

We’ve all had those sleepless nights where our only remedy is to take yet another sleeping pill.

Imagine a world where Benadryl, Claritin, Zyrtec, and ZQuil don’t exist. Sounds tragic, doesn’t it? Well, how does everyone in the world actually know of the latest innovations in the medical field? And how does a single little pill or treatment make everything better?

Through medical publishing.

Truth be told, “medical publishing” isn’t a very popular term. However, it is new and on the rise in the industry.

What is Medical Publishing?

The term “medical publishing” refers to the production and distribution of medical journals, textbooks and all that’s in-between. You can go as far as to say that it is both a business and a science – where medicine and technical writing meet, and it proves to be quite a bountiful relationship.

technical writing

For hundreds of years, medical publications have been the guide towards continued medical research. Mind-boggling and always fascinating, the oldest medical books in the world prove that it is an essential part of medical research ever since treatments were first developed

With each surge of viruses and diseases spreading across the globe, it would be a cardinal sin not to be informed of the progressions medical technology can provide. The development of vaccines alone has contributed to hundreds of thousands of saved lives.

Moreover, if you’re a medical professional, or simply an enthusiast in the medical field, you could also tap into the gold mine of information to create publications of your own.

It’s a Scratchy Business

Practically everything boils down to whether there is money or not. If you’re an author aspiring to publish your work to the public, one of the most arduous challenges you have to face is finding the right company to even so much as take a look at your work.

On the other hand, publishers worry more if the work will make a profit or not. Initially, the companies would have to weigh if they are going to take the risk of putting your work out in the public. By the looks of the trend, the business is not as flourishing as it was before.

a compilation of words related to risk management in business

It may be because people are more interested in getting free content. You can easily attest that the public currently leans towards reading open-source documents to satiate their medical information needs. The same goes to both professionals and enthusiasts.

Medical publishers know that production costs are off the roof, and the return of investments take too long. This is why most medical publishers try to create business models that can allow them to open the door for new ways to profit, including forging some partnerships to create share-of-revenue. Still, it is quite tricky for publishers today to manage the gamble in this heavily pressured industry because creating new business models is another complicated topic to talk about.

Process Time is a Bit Itchy

Medical publishing is a piecewise task that takes a great deal of time to finish. The process goes something like this: an author submits his final draft regarding a drug that can cure “Disease X.” It is then peer-reviewed by people who are experts in drug manufacturing and administration. When the draft is accepted, the publisher typesets the manuscript which is later reviewed. And voila, the book is ready to be viewed via publication.

red and black numbers on a multi-paged calendar

That’s the easy way to look at it. If you look at it in a deeper sense, you might realize that it is not as easy as it looks. The first step includes submission of a final draft, but the challenge lies even before passing. Say, you were the one who aspires to get published.

Step 1: Finding a Publisher

If this is the case, you would have to test your luck in finding a publisher who’s willing to publish for you – and with finding a publisher, comes contemplating whether your idea is actually original enough for people to want to buy.

If you have gone through the hoops and found one, you can now proceed to step two.

Step 2: Getting Your Work Peer Reviewed

Peer reviewing is a must for any medical publication. The field of medicine is not necessarily that simple, because frankly speaking, one mistake can cost you your career – not to mention, it’s going to eat up a lot of time to fix. Then again, it would be best to receive other experts comments so they can be integrated within your draft as well.

Step 3: Passing the Article Again

When you have made your adjustments from the peer-review, you would have to pass the article again so that it can be put in manuscript. Then it will be reviewed for another time to check any more errors. Again, time spent. After which, the book will be published. If you still think it’s as easy as 1-2-3, you need to think again.

Medical publishing is a task that requires various phases to complete. However, with the penetration of digital publishing, the game has changed. Digital publishing has paved a way for a more interactive way of getting content, not to mention the pace it induces for both production and consumer intake. In today’s battle for the best and most innovative content, the one with the faster and the more the interactive material wins. From that perspective, traditional medical publishing looks arguably demolished.

This is the prime reason why it loses readership.

Contents are Never Blemish-Free

Visualize this. Would you rather be inside a worn-out, rusty truck with its seat covers looking like it came straight from World War II? Or, would you rather be inside a shiny, buffed up Chevrolet Silverado? With no contest, you would opt for the mighty affluence of a Silverado. If you’re sticking your guns with your trusted ol’ truck, then at least put some brand new covers over military discount to at least hit a peg of the Chevy.

a female hand holding a black marker and illustrating the word content

Ok, so medical publishing isn’t a brand new car, but it does hold true to the timeless battle between old and new processes and systems. Traditional medical publishing versus digital media is a game of depth versus convenience. Medical publishing gives out detailed information regarding medicine, with insights and interpretations from experts out in the field. Medical publications are reviewed by other personnel with know-how’s on the matter and proves to be reliable at the moment of publishing.

On the other hand, digital medical libraries opt to have interactivity and ease in delivering content for their consumers. More and more people are actually giving interest on using the latter based on the updated content they have, including the innovative solutions they present.

In this business, content is number one priority. Branded as scholarly articles, the content should be up to par. However, considering convenience, sensibility and the rate of delivery to readers, you would see the obvious winner. Mainly because digital publishing offers faster content, while traditional medical journals have been antiquated with endless manual labor.

The Evolving Audience

 

Theatre audience

In that same light, it is safe to say that the audience is evolving. That means that the preferences and the expectations are changing constantly. This shows how the publication approaches and relates to its readers, which is more rigorously experimented in the modern publications compared to the linear approach of the traditional.

Truth be told, readers are losing faith on medical publishers because the journals have limited capacity for reinvention. Add the fact that traditional publications take too much time to read. Modern media has made its way to diminishing information to ample lengths.  Besides, the human attention span is already on the downhill.

It is inarguable how medical publishing has progressed over the course of its existence. The current challenges of medical publishing have been the constant battles of find different ways to cope up with the changing world.

On the other hand, digital publishing has made it more difficult for in depth journals to make their way to the public. Though, it creates a more effective way for medicine jargon to be translated in a way with more convenience and simplicity.

Whichever the path goes, there is one thing for sure: people need medical publishing. Just as you crave the daily news, medical publishing will exist and manifest in more ways than one.

And that, that is an itch you just can’t scratch.

Publishing all credible science: Where do we draw the line?

Stemming from the belief that market-driven open access publishers are inherently predisposed to publish any article for which an author is willing to pay, there is a common prejudice that the scientific quality of such articles must be inferior to those published within non-open access journals. Whether true or not for other journals, this rationale certainly does not apply to a free publication model like Cureus.

For us, ensuring scientific quality is about preserving the brand of Cureus; by undermining credibility, bad science will, over the long term, inevitably diminish every conceivable measure of journalistic success. Destroying our reputation is the last thing Cureus leadership wants to see happen. However, working against this same concern is our journal’s philosophical commitment to publish all “credible” medical science; inevitably these two contradicting objectives require a delicate balancing act.

Despite (or as a sad result of) Cureus’ idealism, our journal sometimes receives questionable submissions: carelessly prepared manuscripts, sloppily presented results, poorly argued and unfounded conclusions, etc. Authors occasionally suffer from the misperception, perhaps due to our status as an open access journal, that we will publish whatever they submit and therefore they need invest only minimal effort.

Not so fast! I must caution against such thinking. Cureus is happy to publish articles that might be rejected elsewhere due to “political” or contrarian philosophical reasons, but like most quality journals, we will not abide substandard manuscripts. Cureus takes peer review and editorial oversight very seriously. Ensuring that authors do not abuse the easy-to-use Cureus submission system is quickly becoming a full-time job for editors who, frankly, have many better things to do.

Please do not confuse the ease of Cureus submission process with a willingness to overlook second-rate science. Does your article have a clear message and can it help interested colleagues in their daily clinical and/or scientific work? Put yourself in a reader’s shoes; if you were a reader, would you feel that the author in question has shown proper respect for your time? If you cannot answer yes, please do not submit your article to Cureus.

Anyone who intends to submit a shoddy article (and yes, you know who you are), be prepared to be blocked during editorial review. And should anyone choose to abuse Cureus’ generous spirit more than once, they should expect to be banned from our platform for an eternity. Meanwhile, the vast majority of conscientious authors, who both respect their potential readers and do their utmost to produce a quality manuscript, will be amply rewarded with a hassle-free submission process, and, once published, a large, appreciative audience of readers.

Ultimately we at Cureus like to think that a beautiful article of science is in itself, the best reward possible. Thank you for your understanding, cooperation and support.

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Stemming from the belief that market-driven open access publishers are inherently predisposed to publish any article for which an author is willing to pay, there is a common prejudice that the scientific quality of such articles must be inferior to those published within non-open access journals. Whether true or not for other journals, this rationale certainly does not apply to a free publication model like Cureus. For us, ensuring scientific quality is about preserving the brand of Cureus; by undermining credibility, bad science will, over the long term, inevitably diminish every conceivable measure of journalistic success. Destroying our reputation is the last thing Cureus leadership wants to see happen. However, working against this same concern is our journal’s philosophical commitment to publish all “credible” medical science; inevitably these two contradicting objectives require a delicate balancing act. Despite (or as a sad result of) Cureus’ idealism, our journal sometimes receives questionable submissions: carelessly prepared manuscripts, sloppily presented results, poorly argued and unfounded conclusions, etc. Authors occasionally suffer from the misperception, perhaps due to our status as an open access journal, that we will publish whatever they submit and therefore they need invest only minimal effort. Not so fast! I must caution against such thinking. Cureus is happy to publish articles that might be rejected elsewhere due to “political” or contrarian philosophical reasons, but like most quality journals, we will not abide substandard manuscripts. Cureus takes peer review and editorial oversight very seriously. Ensuring that authors do not abuse the easy-to-use Cureus submission system is quickly becoming a full-time job for editors who, frankly, have many better things to do. Please do not confuse the ease of Cureus submission process with a willingness to overlook second-rate science. Does your article have a clear message and can it help interested colleagues in their daily clinical and/or scientific work? Put yourself in a reader’s shoes; if you were a reader, would you feel that the author in question has shown proper respect for your time? If you cannot answer yes, please do not submit your article to Cureus. Anyone who intends to submit a shoddy article (and yes, you know who you are), be prepared to be blocked during editorial review. And should anyone choose to abuse Cureus’ generous spirit more than once, they should expect to be banned from our platform for an eternity. Meanwhile, the vast majority of conscientious authors, who both respect their potential readers and do their utmost to produce a quality manuscript, will be amply rewarded with a hassle-free submission process, and, once published, a large, appreciative audience of readers. Ultimately we at Cureus like to think that a beautiful article of science is in itself, the best reward possible. Thank you for your understanding, cooperation and support.