Women experience high rates of health insurance ‘churn’ before and after childbirth

first_imgMany women, particularly those covered under Medicaid or the Children’s Health Insurance Program, may lose access to prenatal and postpartum careA high percentage of women in the U.S. move in and out of health insurance coverage — sometimes referred to as ‘churn’ — in the months before and after childbirth, according to a new study from Harvard T.H. Chan School of Public Health. Low-income women experience the brunt of these insurance disruptions, which cause coverage gaps that can lead to adverse health outcomes.The study is the first to use national data to look at month-to-month health insurance coverage for women during and after pregnancy. It appears in the April 2017 issue of Health Affairs.“Ideally, every woman would have access to coverage not only for prenatal care and delivery, but also for preconception and extended postpartum care. We find there is much more work to be done to ensure that women retain continuous coverage for services we know are critical for reducing adverse birth outcomes and supporting the health of moms and babies,” said Jamie Daw, the study’s lead author and a doctoral student in health policy at Harvard University.The study analyzed data from 2005–13 from more than 2,700 women surveyed by the nationally representative Medical Expenditure Panel Survey.The researchers found the highest rates of coverage at delivery. But that coverage masked considerable churning during the prenatal and postpartum months — especially for women who had coverage through Medicaid or the Children’s Health Insurance Program (CHIP) in the month of delivery. Read Full Storylast_img read more

03 Keep veggies safe

first_imgDiseases can seriously damage or completely destroy a vegetable garden. But there are a few things the home gardener can do to reduce the risk these veggie enemies pose.”Most vegetables are susceptible to a number of diseases,” says David Langston, a vegetable plant pathologist with the University of Georgia College of Agricultural and Environmental Sciences.Types of problems and their causesWilts, leaf spots, blights and fruit rots, he says, are just a few of the problems that plague vegetable gardens every year.Plant diseases are caused by four primary types of organisms: fungi, bacteria, nematodes and viruses.When conditions are wet and temperatures warm, your vegetable plants are more susceptible to diseases caused by fungi and bacteria. Scout your garden regularly.When garden conditions are dry, nematode damage is more evident. Soil may be sampled for nematodes by submitting a sample through your county extension office.Viral diseases can occur at any time, he said.Many plant diseases can be on or within seed. “Seeds should not be saved from year to year,” Langston said. “This is important to prevent a number of diseases.”Buy seed from a reputable dealer, because you can’t distinguish healthy seed from diseased seed. And make sure you follow directions on when and how to plant them. Your best bet for control Disease-resistant plant varieties are the most efficient way of controlling vegetable diseases. So buy resistant varieties when you can. Resistance traits are usually listed in seed catalogs and in plant stores.Don’t plant your garden near or beneath trees. The shade will reduce the drying of plant foliage after rain and increase the chances of diseases. Besides, vegetables like a lot of sunlight, and the trees will compete for vital nutrients.Crop rotation is important. If you continue to plant the same vegetables in the same spot year after year, you’re asking for soil disease problems.Grow the same or closely related vegetable plants in the same soil only once every three to five years, Langston said. This practice starves out most pathogens that cause stem and leaf diseases.Vegetable families include: Alliaceae (chives, garlic, leeks and onions). Brassicaceae (broccoli, Brussels sprouts, cabbage, cauliflower, collards, mustard, radish, rutabagas and turnips). Cucurbitaceae (cantaloupes, cucumbers, honeydew melons, pumpkins, squash and watermelons). Fabaceae (all beans, English peas and Southern peas). Solanaceae (eggplant, peppers, potatoes and tomatoes). Asteraceae (lettuce). Poaceae (corn). Malvaceae (okra). Chenopodiaceae (spinach) Apiaceae (carrots).Everyday prevention”Trap crops” can reduce virus diseases carried by small insects. Plant a few rows of a crop like rye or corn around your main garden. This will tempt insects to feed there first, reducing the risk of diseases some small insects are known to carry.When watering, avoid splashing soil onto plant foliage. If possible, irrigate by running water between the rows. Use a mulch layer of straw, bark, shredded paper or plastic to keep soil from splashing onto plants and keep fruit from touching bare ground.If you use tobacco, wash hands thoroughly before handling plants. This will prevent the spread of tobacco mosaic virus, which can infect many kinds of vegetables, particularly tomatoes and peppers.After harvest, remove and destroy all plants from the garden, and sanitize your garden equipment. This will reduce the overwintering of disease-causing organisms.Most important, use proper cultural practices to keep your plants healthy.”Healthy plants don’t get diseases as easily as weak ones,” Langston said. “Healthy plants are the best control against plant diseases.” By Brad HaireUniversity of Georgia Volume XXVIII Number 1 Page 3last_img read more

Teach Your Teens the Value of Money

first_imgAs your teens grow older and come closer to adulthood however, it just becomes important to teach them how to be responsible and independent. This is especiallytrue during the teenage years because much of what they learn about the value of hard work, responsibility, and money during this time will shape their adultbehaviors.Teaching a child the value of money is not all that difficult and you can start rather early. Something as simple as having a “piggy bank” is great way to teach childrenhow to save early on in life. It’s a first step towards them learning how to not squander money on small things but rather to save for something more important such asa car, their college education, a home, or for the “rainy days.”It is pretty well known that something given to you rarely has as much value as when you’ve worked to get it. A sure way of not instilling these values in your childrenis to give them far more than what they need and without them lifting a finger for it. Buying them expensive clothes or the car they always wanted may make themhappy and be important for their status, but you’ll likely end up teaching them how to be dependent rather than independent.Even if you paid for your child’s first car in its entirety, having them continually work to make token payments on it or the insurance premium can instill the sense thatthey’ve worked for what they have.As children get older, working odd or part time jobs can teach them a great deal about responsibility, the value of hard work, and how good it feels to earn what youhave.These times it’s extremely difficult for a child to buy their first car or to pay for college all by themselves. It’s hard for parents to do the same, especially if you havemultiple children, and especially if you haven’t started saving early. Not preparing for these expenses could mean having to buy an inexpensive car with constant repairbills that eat up more money in the end.When it comes to handling money, the example you give your children may be the most potent lesson of all.For professional help just log on:http://www.abundantlifeacademy.com/(link is external)http://www.troubledteens4jesus.com/(link is external)http://www.troubledteenministries.com/(link is external) They can be of great help. Abundantlifeacademy Group’s schools and programs excel at finding anindividualized plan for troubled children and teens. Their purpose is to introduce, or re-introduce, their students to the Holy Spirit. There are ways to help manage thedepressions and all it takes is some effort to find those answers.About Author: Nivea DavidFor listings please visit http://www.abundantlifeacademy.com/(link is external) (Leading Website For Troubled Teens) TroubledTeen Help You can also visit http://www.troubledteenministries.com/(link is external) For Troubled Teens Campslast_img read more

Unleashed Dog attacks Olympic Trials Qualifier

first_imgKeen was taken to the hospital in the ambulance with gaping wounds that required 21 stitches. At the 2017 Dallas Marathon, Keen finished second after the first-place runner staggered across the finish line assisted by a pedestrian. Keen refused to challenge the results, despite pressure from other runners who criticized the winner for receiving help. BRO: What were some things going through your head during the attack? BRO: What are some ways that runners and dog owners can work together to be safer in shared spaces? KEEN: Sometimes really unfortunate things just happen. And they suck. And we can’t control the fact that it happens, but we can control how we handle ourselves and our reaction. I am choosing to use this to make me stronger. I survived for a reason. I plan on figuring out why. Olympic Trials Qualifier Caitlin Keen was out running on the Trinity Trails system in Fort Worth, Texas, last weekend when she was attacked by a dog. Keen says the dog appeared out of nowhere, sprinted toward her, leapt up, and bit her arm. She shook it off and kept running, but the dog bit into her back and pulled her to the ground. This isn’t the first time that Keen has made headlines. The dog, a pit bull mix whose name is Taco, was up-to-date on its rabies vaccines and is currently in city-mandated quarantine. Taco belongs to a local homeless woman who was not present during the attack. BRO: Do you feel safe to run outside or at the park? KEEN: I haven’t run since the attack, and I am not allowed to run or drive for at least another week. I know that I will run back at the trail again, but I know that it will take me some time to recover. BRO: What do you want people’s biggest takeaway to be? BRO: You mentioned that you have received a lot of hate from this incident. Is there anything you would like to say on your behalf? BRO: Do you feel changed at all from this? KEEN: I think that dogs should be kept on a leash if it is not a designated “off-leash area.” Dog owners have a responsibility to keep their dog controlled, and runners have a responsibility to stay clear of these areas if they are not comfortable with dogs. We can all work together by putting ourselves into each others’ shoes and thinking about what it would feel like if you had to suffer the consequences of an irresponsible dog owner. center_img KEEN: During the attack, I was thinking how scared I was that it wasn’t going to let me live. I didn’t know what this dog wanted, and I didn’t know how to handle it. All I wanted was to get away and for someone to show up to help me because I knew I wouldn’t have been able to do it on my own. We reached out to Keen to hear her thoughts on the situation. Photo Courtesy of Caitlin KeenPhoto Courtesy of Caitlin KeenPhoto Courtesy of Caitlin KeenPhoto Courtesy of Caitlin Keen KEEN: I have been running outside at this particular park since 2006, since I was 14 years old. I have always felt safe out on the trails and have never had a close encounter to not feel safe. BRO: How did you feel when you saw the dog calm down after it attacked you? Her injuries require 21 stitches. Warning: the pictures are graphic. KEEN: If there was anything I could have done to not get attacked, I would have done it. I went from having one of the best long runs I had run all training cycle to being dragged to the ground fighting for my life in a matter of seconds. I didn’t provoke anything, I was simply running fast. I looked at my watch, and when I looked up, a dog was lunging for me. She kicked at the dog until a woman, who was also on a run, picked up a large rock and scared the dog away. The dog was eventually subdued and caught by the collar by a man walking his own two dogs that were leashed. The dog that attacked Keen became calm and friendly with the man’s dogs. BRO: How long have you been running at that park? KEEN: I currently feel very lucky to be alive. Previously, I used to let all the little things bother me. Now I have a much different outlook and perspective on what matters and what is a waste of energy. This is not a fight against breed, animals, or their owners. This is a story about awareness, safety, and having to overcome things that happen to us that we don’t have control over. KEEN: I was scared. I thought the dog was going to start attacking the other dogs that were being walked by a witness, but it didn’t. It made me wonder, “Why me?” Why was I just running one moment and the next I was being taken down by a dog?last_img read more

CUNA subcommittees discuss regulatory burdens with CFPB, NCUA

first_img 17SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Two CUNA subcommittees met with Consumer Financial Protection Bureau (CFPB) staff Friday to discuss potential overdraft rules and to remind the agency of the current regulatory burden facing credit unions.The subcommittees also met with National Credit Union Administration staff Thursday, just after the agency voted to finalize its risk-based capital rule.Regarding overdraft protection, the subcommittees discussed credit union overdraft protection, and questioned the CFPB about what it is considering for its overdraft rulemaking. The bureau discussed past and ongoing research about overdraft, and indicated that it is attempting to learn about the practices of small institutions and credit unions through data collected from service providers.“Credit unions offer overdraft products very differently from for-profit institutions. Credit unions offer overdraft services as a convenience and accommodation for their members and members appreciate these services,” said Elizabeth Eurgubian, CUNA’s deputy chief advocacy officer. “We do not support broad new regulation of overdraft services that would limit the flexibility of credit unions to structure their services appropriately, including the regulation of overdraft fees.” continue reading »last_img read more

Why digital referrals should fit into a digital marketing strategy

first_imgThe Broken Referral ProcessMost banks’ and credit unions’ perspective of referrals is a bit paradoxical.Even while they can comprehend the positive impact friends, family, and co-workers have on the acquisition of new account holders, many are missing an opportunity to increase their growth rate by implementing a sustainable referral program.In fact, in the CU Grow 2015 State of Digital Marketing survey, we found just 9% of banks and credit unions surveyed incorporated digital referrals as part of their on-boarding strategy.Five Common Referral TrendsThrough our assessments of both bank and credit union digital marketing initiatives, we have identified five common trends when financial institutions look to tap into the power of referrals.1. The Printable Coupon ProcessStill a popular tactic for bank and credit union marketers, this friction-filled process begins with having the member actually find a working printer to print a referral coupon. Next, this individual must then successfully pass said coupon to a friend, family member, or general victim of this horrendous scheme. Finally, the recipient of the coupon must take great care of this document and make their way to the nearest physical branch to redeem the reward of this epic quest.2. Complicated Product Adoption QuotaApparently, some financial institutions have not considered this overcomplicated the referral process for prospective members. From the perspective of the bank or credit union, opening both a savings and checking account while enrolling in three additional products and services seems relatively harmless. But from the viewpoint of the consumer, the amount of work, whether real or imagined, is too much to overcome, and the referral process is aborted. As one individual noted in a user testing session, “That’s a lot of work.” continue reading » 39SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

New head of fixed income at Finland’s VER to expand team’s skills

first_imgFinnish state pension fund Valtion Eläkerahasto (VER) has appointed Mikko Räsänen as its head of fixed income, with the expectation that he will broaden the team’s spectrum of skills.Räsänen takes over from Jukka Järvinen, head of fixed income at the €18.7bn pension fund for 15 years before leaving the job in March.Previously a vice-president at the OP Financial Group in Finland, Räsänen will start his job at VER today.Timo Viherkenttä, chief executive at VER, told IPE: “With his strong experience, Räsänen is expected to broaden further the spectrum of expertise in VER’s fixed income team, which has been making good risk-adjusted returns over the years.” The pension fund’s fixed income allocation currently consists of a broadly diversified portfolio with a relatively high exposure to emerging markets, he said. “In the present low-interest-rate environment, generating good returns with a fixed income portfolio is a particularly challenging task,” Viherkenttä said.During his years at OP Financial Group, Räsänen headed several different teams in portfolio management and product development.The pension fund said the fixed income team, since March, had been led by Sami Lahtinen, who combined the interim role with his job as the head of overlay and hedge funds.Viherkenttä said Räsänen would assume responsibility for VER’s fixed income portfolio, worth approximately €9bn.This equates to an allocation of nearly 50% of the pension fund’s total assets.Viherkenttä is VER’s new chief executive, having taken over the role from Maarit Säynevirta in June.last_img read more

Snodgrass dealing with family issue

first_img “It’s very simple and I can set the record straight,” he told BBC Radio Norfolk. “It’s a family issue. “He will be with us hopefully on Wednesday and certainly on Friday. It’s very much a personal issue.” The Daily Record is reporting Snodgrass’ absence is related to his pregnant partner Denise McKenzie being involved in an accident in Glasgow. Snodgrass is thought to have returned to Scotland after the incident, which Norwich have yet to confirm. The 25-year-old Scotland international has become an important player for the Canaries since joining from Leeds last year. Such performances have seen Snodgrass linked with a summer move to West Ham but Hughton insists such speculation was not behind him missing the 1-1 draw with Brighton. Robert Snodgrass missed Tuesday night’s friendly at Brighton due to a “family issue” which is reported to be a car crash involving his partner.center_img Press Associationlast_img read more

State players in Indian Dragon Boat team

first_imgOur Sports ReporterGUWAHATI: Eight players from Assam are selected in the Indian Dragon Boat Race team which will participate in the forthcoming 13th Asian Dragon Boat Racing Championship. The competition is scheduled to be held in China from November 18. Two officials of the Assam Traditional Sports and Dragon Boat Racing Association would also be the part of the Indian team.Selected players and officials from Assam in Indian team: Mainuddin Ahmed, Mushahab Ali, Rupen Rabha, Bijuli Kalita, Dipandita Kalita, Hiramoni Kalita, Beauti Kalita, Ameiya Kalita, Taher Ahmed (Manager) and Anup Kumar Choudhury (Asst Manager). Also Read: Sports Newslast_img read more

Man United confirm Bruno Fernandes signing

first_imgManchester United have confirmed they have reached an agreement to sign Sporting Lisbon midfielder Bruno Fernandes.United have agreed a deal worth up to £68m with the Portuguese club, with the player set to fly into the UK on Wednesday evening to complete the move.Fernandes is due to visit Sporting’s head offices on Wednesday afternoon where he will terminate his contract with the club and is expected to record a video saying goodbye to the Sporting fans.The Portugal international will then make his way to Tires Airport where he will board a private jet bound for Manchester.It is expected Fernandes will get his United medical underway on Thursday morning.United increased their offer to sign Fernandes twice in the past 24 hours, the second for a deal worth up to €80m (£67.76m), which Sporting accepted.After weeks of negotiations, United executive vice-chairman Ed Woodward has reached an agreement which will see the club pay an initial fee of €55m (£46.56m) plus add-ons.Sporting would receive a further €10m (£8.46m) from United if Fernandes reaches what are considered easily achievable targets and an additional €15m (£12.7m) if more difficult targets are met. It is understood these clauses include Fernandes winning the Ballon d’Or. Tags: Bruno FernandesMan Utd Source: Sky Sportslast_img read more