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Term Definition

–noun
1.a word or group of words designating something, esp. in a particular field, as atom in physics, quietism in theology, adze in carpentry, or district leader in politics.
2.any word or group of words considered as a member of a construction or utterance.
3.the time or period through which something lasts.
4.a period of time to which limits have been set: elected for a term of four years.
5.one of two or more divisions of a school year, during which instruction is regularly provided.
6.an appointed or set time or date, as for the payment of rent, interest, wages, etc.
7.terms,
a.conditions with regard to payment, price, charge, rates, wages, etc.: reasonable terms.
b.conditions or stipulations limiting what is proposed to be granted or done: the terms of a treaty.
c.footing or standing; relations: on good terms with someone.
d.Obsolete. state, situation, or circumstances.
8.Algebra, Arithmetic.
a.each of the members of which an expression, a series of quantities, or the like, is composed, as one of two or more parts of an algebraic expression.
b.a mathematical expression of the form axp, axpyq, etc., where a, p, and q are numbers and x and y are variables.
9.Logic.
a.the subject or predicate of a categorical proposition.
b.the word or expression denoting the subject or predicate of a categorical proposition.
10.Also called terminus. a figure, esp. of Terminus, in the form of a herm, used by the ancient Romans as a boundary marker; terminal figure.
11.Law.
a.an estate or interest in land or the like, to be enjoyed for a fixed period.
b.the duration of an estate.
c.each of the periods during which certain courts of law hold their sessions.
12.completion of pregnancy; parturition.
13.Archaic.
a.end, conclusion, or termination.
b.boundary or limit.
–verb (used with object)
14.to apply a particular term or name to; name; call; designate.
—Idioms
15.bring to terms, to force to agree to stated demands or conditions; bring into submission: After a long struggle, we brought them to terms.
16.come to terms,
a.to reach an agreement; make an arrangement: to come to terms with a creditor.
b.to become resigned or accustomed: to come to terms with one's life.
17.eat one's terms, British Informal. to study for the bar; be a law student.
18.in terms of, with regard to; concerning: The book offers nothing in terms of a satisfactory conclusion.
From Dictionary

Life Definition

–noun
1.the condition that distinguishes organisms from inorganic objects and dead organisms, being manifested by growth through metabolism, reproduction, and the power of adaptation to environment through changes originating internally.
2.the sum of the distinguishing phenomena of organisms, esp. metabolism, growth, reproduction, and adaptation to environment.
3.the animate existence or period of animate existence of an individual: to risk one's life; a short life and a merry one.
4.a corresponding state, existence, or principle of existence conceived of as belonging to the soul: eternal life.
5.the general or universal condition of human existence: Too bad, but life is like that.
6.any specified period of animate existence: a man in middle life.
7.the period of existence, activity, or effectiveness of something inanimate, as a machine, lease, or play: The life of the car may be ten years.
8.a living being: Several lives were lost.
9.living things collectively: the hope of discovering life on other planets; insect life.
10.a particular aspect of existence: He enjoys an active physical life.
11.the course of existence or sum of experiences and actions that constitute a person's existence: His business has been his entire life.
12.a biography: a newly published life of Willa Cather.
13.animation; liveliness; spirit: a speech full of life.
14.resilience; elasticity.
15.the force that makes or keeps something alive; the vivifying or quickening principle: The life of the treaty has been an increase of mutual understanding and respect.
16.a mode or manner of existence, as in the world of affairs or society: So far her business life has not overlapped her social life.
17.the period or extent of authority, popularity, approval, etc.: the life of the committee; the life of a bestseller.
18.a prison sentence covering the remaining portion of the offender's animate existence: The judge gave him life.
19.anything or anyone considered to be as precious as life: She was his life.
20.a person or thing that enlivens: the life of the party.
21.effervescence or sparkle, as of wines.
22.pungency or strong, sharp flavor, as of substances when fresh or in good condition.
23.nature or any of the forms of nature as the model or subject of a work of art: drawn from life.
24.Baseball. another opportunity given to a batter to bat because of a misplay by a fielder.
25.(in English pool) one of a limited number of shots allowed a player: Each pool player has three lives at the beginning of the game.
–adjective
26.for or lasting a lifetime; lifelong: a life membership in a club; life imprisonment.
27.of or pertaining to animate existence: the life force; life functions.
28.working from nature or using a living model: a life drawing; a life class.
—Idioms
29.as large as life, actually; indeed: There he stood, as large as life. Also, as big as life.
30.come to life,
a.to recover consciousness.
b.to become animated and vigorous: The evening passed, but somehow the party never came to life.
c.to appear lifelike: The characters of the novel came to life on the screen.
31.for dear life, with desperate effort, energy, or speed: We ran for dear life, with the dogs at our heels. Also, for one's life.
32.for the life of one, as hard as one tries; even with the utmost effort: He can't understand it for the life of him.
33.get a life, to improve the quality of one's social and professional life: often used in the imperative to express impatience with someone's behavior.
34.not on your life, Informal. absolutely not; under no circumstances; by no means: Will I stand for such a thing? Not on your life!
35.take one's life in one's hands, to risk death knowingly: We were warned that we were taking our lives in our hands by going through that swampy area.
36.to the life, in perfect imitation; exactly: The portrait characterized him to the life.
From Dictionary

Insurance Definition

–noun
1.the act, system, or business of insuring property, life, one's person, etc., against loss or harm arising in specified contingencies, as fire, accident, death, disablement, or the like, in consideration of a payment proportionate to the risk involved.
2.coverage by contract in which one party agrees to indemnify or reimburse another for loss that occurs under the terms of the contract.
3.the contract itself, set forth in a written or printed agreement or policy.
4.the amount for which anything is insured.
5.an insurance premium.
6.any means of guaranteeing against loss or harm: Taking vitamin C is viewed as an insurance against catching colds.
–adjective
7.of or pertaining to a score that increases a team's lead and insures that the lead will be held if the opposing team should score once more: The home run gave the team an insurance run, making the score 7-5.
From Dictionary

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  • Open Question: NEED advise from any medical pros or anyone who's had similar medical probs. or similar probs. with doctors?
    I've had chronic back pain since I was 17. The first thing that happened to me was I fell on the ice play broomball and dislocated my right shoulder, My Dr. at the time didn't see any reason for PT or anything. Since that injury, I've had a lot of really hard spots that hurt badly on my right upper back. There is one spot in particuoar that feels so bad, all the time, like its going to burst open. It feels like an old, dry rubber band stretched to its max capacity and its going to pop, Its a combo of burning/tinlging, sharp pain and ache. It also became really easy for me to injure and reinjure my beck and upper back. Recent problems that have been a whole lot worse started around a year and a half ago. I've been in 3 car-wrecks in the past two years. The worst of the three was with a semi-truck doing 75 mph on the freeway and then getting thrown off-road into a deep embankment. I really hurt my neck then. For that, I did mainly chiropractic and a little PT. It got a lot better and the pain came and went up until June. I hit a deer, and everything has been worse than ever before since then. (Even worse than the wreck with the semi! Sounds crazy...) I have been trying everything I can to get a proper diagnosis, treatment for the actual problem, and symptomatic releif...but I've hard a really hard time all the way around. First doc I went to wouldn't even take an xray and precribed naproxen and gave me the basic, "You're young and you'll heal hast" rundown. Things got progressively worse (there was either a new symptom or a serious increase in how bad symptoms were about every other day.) The second doc I went to took an xray. She said that my neck had the curve missing out of it and thought it was because spasms were causing enough inflammation to pull them apart. She said the xray showed a few "pinch-marks" and that I had a pinched nerve. (Which was what I thought because I was getting a lot of pins and needles and very painful arm and leg. (Sciatica, like when I was pregnant...But I also know that this at least doesn't sound like it makes sense since amrs being affected by pinched nerves are because of a problem with the cervical spine and sciatica is caused by compression of spinal cord or nerve at the lumbar spine. Anyway, this doc put me in a soft collar, precribed flexeril, naproxen and lorab...she also sent me to a great PT. The PT was very thorough and gentle. I got very minor pain relief, but at least felt like the cause was being worked on, and that maybe I'd start to get better...Then some bad life stuff happened, and I wound up not being able to continue PT or follow-ups with the Dr. So I after the personal crisis time was cooled a little, I continued to try and just push through it for awhile without the pain meds or muscle-relaxants (I heard, anyway, that if you are on long-term meds for pain or muscle relaxants that its neccessary to to breaks from them to do a cleanse from time to time, because the stuff is pretty toxic.) and I unfortunately lost my spot with the PT I liked so much. So I just managed to get through until I got really bad. Then I went to yet another Dr. This time it was a walk-in clinic. The Doc was SUCH a jerk. I walked out of that office VERRRY pissed off, embarrassed and discouraged. He pretty much said that a lot of things like "what I have" are things you just have to get used to and was not at all hesitant to basically suggest that I was being a giant wuss. He went over the notes from the other docs and said something like ,"Oh, 0k so they did an xray...and you asked them too?? And...it looks like....they didn't find anything?" And I told him again that the other doc said my neck had been pulled straight to where the curve was gone and that I had a pinched never, and that from the xray the doc said she saw, "pinch-marks." (I had no idea, and still have no idea, what pinch marks are!) He kind of scoffed, chuckling, and basically told me to get over it. At the point where I was when I finally went back in to see a doctor, I had gotten to where dealing with my 2-year-old, washing dishes and fixing my hair had become very difficult, to say the least. The constant burning/tingling pain in the trapezius muscle and that one really sharp part that felt like itg was going to break open had become maddening. My hand was falling asleep all the time. My right arm and leg ached really badly. I was miserable and becoming depressed. I was (and still am) in transition mode from splitting up with my kids' father, so I was staying with a friend. I was helping with her kids and housework to earn my keep, and the kids'; noise and energy level was starting to drive me insane, and I'm usually all about taking the kids to the park, painting, playing games, etc. I was becoming increasingly depressed and couch-bound. I felt embarrassed because I wanted to be a big help around my friend's house. I was becoming sad because when everyone took off for the river or a hike or something, I had to sit it out because I was hurting too bad. I hadn't even had time to process how I felt about getting out of a 5-year relationship, because all my focus, no matter how determined I was not to let it happen, was on how bad I felt. And it just got worse every day. So I was really pissed and discouraged (and even a little scared...how was I going to fix this or at least manage it if I couldn't make a doctor understand how badly it was impacting my life??? I'm a full-time student and single mom...School's about to start, and I'm also going to need to work part-time to make ends meet.) I walked out of that office with a new Rx for PT (which he was relcuctant to give me. He also said he'd find a regular Dr. for me to manage this problem so that I don't have several different people trying to figure it out at once. I went to the PT he suggested. Neck traction makes me feel like I'm dying, so I have asked her not to do that anymore, but I did find that the ultrasound therapy helped the trapezius pain a little. I've been seeing this PT for a few weeks now. Then I went to the internal md the guy referred me to. I went in with high hopes of someone who's get it, research it, and fix me up. I came out disappointed again. He did all the strength test on me (which they always do, and which I hav no problems with except that the reflex on my right knee is just a little slow.) He jabbed around at the trapezius stuff and called it "trigger points." He scheduled an MRI for a few weeks out (which is this friday, now) for my cervical and throacic spine. I was disappointed because #1 he seemed to think I was exaggerating how much pain I've been in. and because #2 he also gave me the run-down on the fact that I am young and that I shoud heal well, and that I should be able to take the pain better than someone older. (This always perplexes me. Is there some evidence to support that the same impulses the brain percieves as pain is more rolerated by someone in the late 20s than someone in their 40s? I also wish I had the courage to argue with Dr.s and tell them that in the mid to late 20s, its really common for people to be working more physically demanding jobs, and for us to have small children who require their parents to supervise them constantly, which boils down to us being at least in a slow-jog for most of the day. We also don't have the capability to just lie down and take a nap when we don't feel well. It wouldn't work to tell my 2-year-old, "Ok honey, mom's back really hurts so I'm going to nap. So don't learn how to open the front door today and go get hit by a car outside. Please don't find anything bite-sized that could be choked on in the componets of the vacuum, phone or remote. Please don't pull the tv on top of yourself or drown in the toilet. Please don't decide I didn't get to your post-nap diaper promptly enough and take it off, causing a horrid mess. Please just keep yourself entertained and don't have a separation-anxiety meltdown...because mom needs to rest, ok?" LOL By the time I had gone into his office, I had gotten even worse. My uncle came to town and I was supposed to get to meet him and my mom for lunch, since I hadn't seen him in alost 5 years....I had to blow it off. My friend took my daughter fishing and I didn't get to see her catch her very first fish :( I was not only putting off harder, crappier things to do, now I've been missing out on fun, too. I am down to 108 pounds, and I'm 5'4 (118-124 is normal for me...I do tend to lose some when I am under stress, but not uaually quite so dramatically.) The doc told me that pain meds wouldn't help anything unless I needed sleep at night, but that I could have them if I wanted. He left the room to schedule my mri, but never came back. His nurse was the one who gave me my time for the mri and a prescription for a sedative for the mri (which I thought was sort of wierd.) So when I got home I called and said I never got my pain meds. They said I had to go back to get the paper copy...that they don't call things to pharmacies. So I did, and the prescription was for ultram. I've taken ultram twice in my life. For about the first few hours, it works fairly well on the pain, but then soon after, I slowly develop a blindingly bad headahce. I'm talking "please just kill me quickly" sort of headache. Then the next day I wake up and the hdeache is even worse, and I vomit all day long. I told the nurse this who was trying to get me to sign something saying I picked the 'script up. She got all annoyed and said, "Well I can tell your right now that he probably won't give you a narcotic." I told her that the lortabs were the only thing that worked, but that they didn't help all that much, so I'd be totally willing to try something else. So they gave me lyrica. I gave it a good, solid test-run where I put as much faith into it as I could. It didn't do anything at all for any of the pain. Not even the parasthesia I'd hoped it would help somewhat. And it also made me really dizzy...To the point it was like I was drunk (not mentally or anything...just in the dizzy sense. My thoughts were clear and everything...I just couldn't keep my balance. I called in the following mondahy to let them know it wasn't working and I needed to give something else a try. They never called back. So I tied Tuesday,and no call back. I was just leaving voicemails for the RN at the office, since this is your only option. I've tried several times to call and say that I am absoltely full-on miserable and need to do SOMETHING to help the pain. I even suggested maybe we try nerve block or TENS or corisone shots...still no one will call me back. So, unfortunately I had to go into a walkin clinic. Its one of those ones where you have to pay likde 45 bucks cash...no insurance excepted. My friend who broke her tailbone said that's where she went for pain meds. She said its never a problem. And it wasn't for me either. I got a steriod (yet to do anything) a muscle relaxer (knocks me out, but doesn't relieve my pain) and lortabs, which only relieve my pain a very little bit. I have a feeling that my new primary dr. will not be very happy about it, but it got to the point where it was completely unbearable. I had to do something and the jerks wouldn't call me back... Where I'm at now is: pain in arm and leg get worse all the time, but is currently a little better controlled with the lortab. My lower beck/upper back and that one real bad spot in trapezius are in constant pain, and just barely have the edge taken off my the pain meds. I feel grouchy and sort of irritable when I take the lortabs. I know they are addictive and are a drug of abuse for a lot of people, but I can honestly say that I don't enjoy the narcotic feeling. I must have a different body chemistry or something, because I don't feel euphoric like a lot of people do when they take pain-pills. Sometimes I do think that the narcotic feeling confuses me enough to distract me from the pain that it actually directly helps the pain...but I don't find the pills to be fun to take. I feel like I am a less kind and warm mom when I take them. If there was anything that actually worked that wasn't narcotic, I'd waaaay rather take that. But for the time being, its the only drug that helps the pain at all...and even then only a little. So I feel almost as though I need them to function, but that I'd much rather try a non-pill realted pain-management method...like the nerve block or the electrode things. I just can't seem to get across to any doctor that my pain isn't merely a nuissance...its (at the rist of sounding dramatic) taking over my life. And by their own admission, I'm young. In my opinion, instead of their suggestion that that makes me more able to function with daily pain, I feel that I shouldn't have my younger years wrecked by being in agony every single waking moment. I shouldn't wish that it was bed time as soon as I get up every morning. I want to play with my daughter and actually get to make some new friends now that I'm out of a wierd, mentally-abusive relationship. I want to feel excited about all the new potential my life has now that I'm free of b.s. and that I can regain my self-esteem and have fun with life instead of pretty much feeling now that my life sucks. I explained to this last dr (the one whose office won't return my phone calls, and don't seem to think I deserve a way to manage my pain, even if its non-drug relateld) that I have a decent pain threshold and a good grasp of the pain scale. I gave examples of frames of reference. A 10 on the pain scale in childbirth or the gas chamber from when i was in the army. A 9 is like an abscessed tooth. An 8 is like a broken bone. A 7 is like a really bad diney infection....and so on down the line. And I told him that if the pain isn't aggitated by something else. Its at a constant 7.5. If I try and do some dishes or have to move really abruptly to keep my kid from doing something that will hurt her or destroy something, it sill go to an 8.5. If I am in a chair too long to type or write, or sometimes when I am trying to fall asleep because the sciatica acts up even worse, it'll jump to a 9. I'm really, really sorry this had to be so long...I just wanted to give nough background. That way a medical pro on here he or she might have some idea with what is wrong. They may have some pointers in getting the dr. to understand that I am not exaggerating and that I need to have my back fixed and in the meantime I need to somehow manage the pain so I don't have to wish i was unconsious every waking second. I would like to be referred to the spine and pan center. They have a team of people who work together who figure out a diagnosis, help psychologically in dealing with chronic pain, and mostly they try every measure there is out there to get your pain under control. They do pt, alternative stuff like massage and acupuncture, all the different neurological tools that I don't understand uet, and (what sound most promising to me) anesthesia. They only problem is that my primary dr. really does seem to thik that I am exaggerating either because I am depressed, because I want narcotics (which I DO for the short-term, but he won't let me have them anyway and I'm still going to see him) or that I want attention. Anway...I need advice as to how i can go about managing my pain to the point of being functional...Bcause my MRI is friday....and I really think that they'll find herniated disc/s and I am thiking my respnse from my dr. will go something like, "Well...good thing youre only 27...ten years from now iy might REALLY be giving you trouble Trevon, Did you mean to link to that page, or was it a mistake & you had something that helped you but it was just the wrong address? If it was intentional: Hardy har. Yeah, ok I'm a baby. Before the worst of my problems with this thing, I used to think b1tching and whining from people's "owies" was annoying too,so I get it. When an injury starts messing with your ability to be a functional, happy person though, its hard not to complain and feel depressed. I prided myself on being the best mom a person could be..a good friend.. a kinda pretty, (not that I'm concieted. I know I'm a total dork) fit , fun chick..a great student, and someone who was starting to have a love-affair with life. Now I feel like a slacker mom, an overskinny girl with dark circles under my eyes, crappy posture and a goofy-looking walk. So I get the diaper joke and normally would think its pretty funny. If the link's wrong and you have something that helped you, I'd love to see it though, and *sorry.*
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  • Resolved Question: dad hit by shooting street racers. how much in terms of a settlement?
    Ok my dad was innocently driving to pick up his vitamins, when 2 street racers hit my dad and tottalled his car and knocked my dad unconcious and serious injuries. one guy drove away and wasnt caught for another 2 weeks. the other guy 19 years old/driving stolen car/no insurance/no full licence was yelling at my dad while unconcious (according to wittnesses) and he then fled on foot where firefighters actually chased him until police arrested him. It turns out they were actually shooting at eachother during the incident. the guy who fled got arrested and he HAS insurance. our lawyer is working on suing them. My dad was in the hospital for about a week, fractured his foot, broke 3 ribs, and sadly suffered a brain injury and has blood in his brain and the doctor says he will lose some of his memory withing the next 3 months. hes going to rehab everyday. and cant work or do anything. Our van was worth around $4000. My question is, what can we expect in terms of a settlement? I just want a ballpark figure of how much we might get for all thats happend, like a ballpark figure. some people tell me around $15000, some are even saying up to $300000? btw the charged laid against them include failure to remain at the scene of an accident, eluding police, resisting arrest,street racing and a whole bunch of other charges that the police wont tell us yet. so please can somebody just give us a ballpark figure on how much money we may get? our lawyer is taking %25.also they have changed my dads life forever because he cant work now he isnt active anymore and has caused pain and suffering for him and my family
  • Resolved Question: Street Racers hit my dads car and fled and now arrested, dad suffered serious injuries. how much settlement?
    Ok my dad was innocently driving to pick up his vitamins, when 2 street racers hit my dad and tottalled his car and knocked my dad unconcious and serious injuries. one guy drove away and wasnt caught for another 2 weeks. the other guy 19 years old/driving stolen car/no insurance/no full licence was yelling at my dad while unconcious (according to wittnesses) and he then fled on foot where firefighters actually chased him until police arrested him. It turns out they were actually shooting at eachother during the incident. the guy who fled got arrested and he HAS insurance. our lawyer is working on suing them. My dad was in the hospital for about a week, fractured his foot, broke 3 ribs, and sadly suffered a brain injury and has blood in his brain and the doctor says he will lose some of his memory withing the next 3 months. hes going to rehab everyday. and cant work or do anything. Our van was worth around $4000. My question is, what can we expect in terms of a settlement? I just want a ballpark figure of how much we might get for all thats happend, like a ballpark figure. some people tell me around $15000, some are even saying up to $300000? btw the charged laid against them include failure to remain at the scene of an accident, eluding police, resisting arrest,street racing and a whole bunch of other charges that the police wont tell us yet. so please can somebody just give us a ballpark figure on how much money we may get? our lawyer is taking %25.also they have changed my dads life forever because he cant work now he isnt active anymore and has caused pain and suffering for him and my family btw im from Toronto, Canada, and yeah we had insurance
  • Voting Question: should we cancel our whole life insurance policy?
    we bought a whole life policy for a couple of years ago b/c we liked the "safety" of not losing our money(the way u do w/ term)--anyway we have since learned that u don't make any money this way and it's better to take those premiums and put them in better returning investments. we already have a huge chunk of money in this whole life policy that will be down the toilet if we cancel. what should we do? can we convert it back to term?
  • Resolved Question: How important is it to get the best rates Term Life Insurance company?
    I am looking at these options: http://www.zanderins.com/term/instantquote.aspx Is there really a huge difference from top to bottom? Can I go with the more affordable option?
  • Resolved Question: live in position: monetary compensation?
    am considering to take a live in position to do some care-giving of an elderly woman and light house cleaning and cooking. The person I will work for really needs help. She is a sociology professor, has cancer and lives with her mom, whom needs help as well. I have agreed to help her out in exchange for room and board. However, I am not sure what would be a fair for me to ask in terms of monetary compensation. I am a college student, and making a bit of extra money would help to pay for my gas and travel expenses, car insurance payments (every 3 months), and just little things needed. If you were in my situation, what do you think is a fair amount to ask for? I would appreciate your feedback or suggestions, please no rude comments. I am doing this with the best intention of helping her out and taking care of my basic needs. Thanks
  • Voting Question: live in position for care-giving light house cleaning and cooking?
    I am considering to take a live in position to do some care-giving of an elderly woman and light house cleaning and cooking. The person I will work for really needs help. She is a sociology professor, has cancer and lives with her mom, whom needs help as well. I have agreed to help her out in exchange for room and board. However, I am not sure what would be a fair for me to ask in terms of monetary compensation. I am a college student, and making a bit of extra money would help to pay for my gas and travel expenses, car insurance payments (every 3 months), and just little things needed. If you were in my situation, what do you think is a fair amount to ask for? I would appreciate your feedback or suggestions, please no rude comments. I am doing this with the best intention of helping her out and taking care of my basic needs. Thanks I really appreciate your feedback :)
  • Resolved Question: Live in position for light house cleaning and care-giving?
    I am considering to take a live in position to do some care-giving of an elderly woman and light house cleaning and cooking. The person I will work for really needs help. She is a sociology professor, has cancer and lives with her mom, whom needs help as well. I have agreed to help her out in exchange for room and board. However, I am not sure what would be a fair for me to ask in terms of monetary compensation. I am a college student, and making a bit of extra money would help to pay for my gas and travel expenses, car insurance payments (every 3 months), and just little things needed. If you were in my situation, what do you think is a fair amount to ask for? I would appreciate your feedback or suggestions, please no rude comments. I am doing this with the best intention of helping her out and taking care of my basic needs. Thanks
  • Resolved Question: Constant worry about falling into a depressive episode.
    Lets just say the beginning of this year was awesome(not really good, just i didnt feel suicidal). I was manic till june when I hit a mini depression. that ONE week was sooooo horrible. Right after that i hit a dysphoric mania, which i am in right now. YES, this is very horrible, because all the euphoric crap is gone and im just angry and guilty. What I keep fearing is falling into a major depressive episode. I haven't had a full blown one since early 2007, and since then i have been cycling between full blown mania, dysphoric mania/agiatated depression/mixed states. I am so afraid, I want to go to the doctor, but my insurance does not kick in till second week of sept when college begins, and i am afraid in this month, ill somehow find myself in a depressive episode and possibly screw up at least 1-2 months of the school term. What can i do? this is causing me a lot of anxiety, and.... just trust me, depression is the worst feeling in the world. you feel like your life is withering away while you lay around. At least mania brings you energy and a pro-social attitude.
  • Resolved Question: How much will term life insurance cost?
    I am 36 yrs old in excellent health, I am looking at a 20 yr policy
  • Resolved Question: which life insurance is the best one to get and the most affordable and reasonable? Is it the whole life
    insurance? or premium life insurance? or term life insurance?
  • Resolved Question: what is better universal or term life insurance
    could someone give me the pros & cons on both?
  • Resolved Question: Which Life Insurance Should I Get?
    I'm 35 years old. Have two small children under 5 years old. Household income is around $200,000, and my mortgage is about $350,000. Some tell me to get whole life, others tell me to get term. What's the difference?
  • Voting Question: Can a company charge me a premium for the 4 months it took them to approve me for term life insurance?
    I paid the premium after passing all the medical exams, etc... They never told me I was covered from when I applied for the policy, four months earlyer. Now they tell me I was covered from the date of application. I doubt they would have paid out before getting my payment. Am I being scammed?
  • Resolved Question: What kind of killing warrants the death penalty?
    Obviously, not all murders warrant the death penalty. What's the difference? why do some murderers (like the two old women who were running over old men and cashing in on the life insurance policies) get life in prison, while other receive the death penalty? Also, how is it possible that the majority of those on death row are minorities, when minorities (in terms of sheer numbers ) make up the smallest amount of your society in the U.S.? Isn't that the reason they are classified as minorities?
  • Resolved Question: For how long should I get my term life insurance?
    My husband and I are 30 and looking at term life insurance. He's healthy as a horse with no illness in his family history and is the only source of income. I on the other hand have Crohn's disease. My dad died at 49 of pancreatic cancer. My mom had breast cancer at 38 and now at 55 has secondary bone cancer and diabetes . So I'm going to cost a fortune to insure. Since he's the only financial provider so his will be much higher than mine. Should I maybe make his 10yr and my smaller one 20? Also what is a good company to go through?
  • Resolved Question: Who needs life insurance?
    At what point in life should one stop buying term insurance?
  • Resolved Question: what will life insurance cost me ? Ballpark!!
    what will life insurance cost me? im just looking for a ballpark price. i know i know . factors. just say im 40, a little over whight, non-smoker, 90,000.00 i have 10 at work. so if i die my family gets 100,000.00 what is this called. life term? or something. like i said just looking for a W.A.G. per month 10$? 20$? 5$? 30$? Thanks thank you for all the info...thats what i was looking for.
  • Resolved Question: Would anyone like to apply for this position?
    POSITION TITLE: Mom, Mommy, Mama, Ma Dad, Daddy, Dada, Pa, Pop JOB DESCRIPTION: Long term, team players needed, for challenging,permanent work in an often chaotic environment. Candidates must possess excellent communication and organizational skills and be willing to work variable hours, which will include evenings and weekends and frequent 24 hour shifts on call. Some overnight travel required, including trips to primitive camping sites on rainy weekends and endless sports tournaments in far away cities! Travel expenses not reimbursed. Extensive courier duties also required. RESPONSIBILITIES : The rest of your life. Must be willing to be hated, at least temporarily, until someone needs $5. Must be willing to bite tongue repeatedly. Also, must possess the physical stamina of a pack mule and be able to go from zero to 60 mph in three seconds flat in case, this time, the screams from the backyard are not someone just crying wolf. Must be willing to face stimulating technical challenges, such as small gadget repair, mysteriously sluggish toilets and stuck zippers. Must screen phone calls, maintain calendars and coordinate production of multiple homework projects. Must have ability to plan and organize social gatherings for clients of all ages and mental outlooks. Must be a willing to be indispensable one minute and an embarrassment the next. Must handle assembly and product safety testing of a half million cheap, plastic toys, and battery operated devices. Must always hope for the best but be prepared for the worst. Must assume final, complete accountability for the quality of the end product. Responsibilities also include floor maintenance and janitorial work throughout the facility. POSSIBILITY FOR ADVANCEMENT & PROMOTION: None. Your job is to remain in the same position for years, without complaining, constantly retraining and updating your skills, so that those in your charge can ultimately surpass you. PREVIOUS EXPERIENCE : None required unfortunately. On-the-job training offered on a continually exhausting basis. WAGES AND COMPENSATION : Get this! You pay them! Offering frequent raises and bonuses. A balloon payment is due when they turn 18 because of the assumption that college will help them become financially independent. When you die, you give them whatever is left. The oddest thing about this reverse-salary scheme is that you actually enjoy it and wish you could only do more. BENEFITS : While no health or dental insurance, no pension, no tuition reimbursement, no paid holidays and no stock options are offered; this job supplies limitless opportunities for personal growth, unconditional love, and free hugs and kisses for life if you play your cards right. lol Come on, its funny! And so true in so many ways. I just wanted to share and possibly brighten someone's day. We'll see if it gets deleted......
  • Resolved Question: need clarifying with term insurance
    My mom's term insurance says 80 years on top of the form. Does that mean the term insurance is valid for 80 yrs or the age of my mom? If it's her age, will the term insurance then be invalid and useless or can she upgrade or continue on, incase she lives past 80 yrs old? thanks
  • Resolved Question: Some British Strange Questions
    What did Queen Victoria ban from her funeral? The colour black - instructing mourners to wear white. Even the weather obliged - the ground was covered with snow. How much money is made a day in the Bank of England and Royal Mint? The Bank of England produces £26,731,450 a day in banknotes. The Royal Mint is responsible for producing coins, and issues 4.1 million new coins per day. Where is the centre of England? A survey in 2002 by the Ordnance Survey pinpointed Lindley Hall Farm, near Fenny Drayton, Leics, as being at the centre of England. Historically, Meriden in the West Midlands claimed this title. Why isn't the Rotherhithe tunnel under the Thames in London straight? It was built with bends so that horses would not be able to see the light at the other end and bolt for the exit. ANIMAL WORLDI have been told that banana trees can walk - is this true? They can move up to 15 cm per year. This is because they have no central root, but lateral roots which grow and move towards the sun. What do you call a group of bears? A sleuth of bears. There are packs or routs of wolves and murders or storytellings of crows. Why does a swarm of midges not get knocked to the ground when it's raining? A falling raindrop creates a tiny pressure wave ahead of it as it falls. This wave pushes the midge sideways and the drop misses it. Scroll down for more... The difference between lettuce and humans is less than you might think If bees died out, what would be the result? All life on Earth would die within an estimated four years. Most food crops rely on bees to pollinate them, so if bees die out, so do humans. SHOWBIZWho was the original Pretty Woman? Roy Orbison's wife, Claudette. Asked once if she needed cash to go out, a friend said: "A pretty woman never needs any money." What name did Daryl Walters write under? Enid Blyton - best known for the Famous Five and Secret Seven series. She died in 1968 at the age of 71. Is it true that Paul McCartney stopped it raining at a concert? Yes. He hired three jets, at a cost of £28,000, to spray dry ice in the clouds above a concert at St Petersburg's Palace Square, thus preventing rain. What was unusual about the rain in the 1952 film Singing In The Rain? The rain was water mixed with milk. The crew did this so the raindrops and puddles would show up on film. What does "tardis" in Dr Who mean? The model of TARDIS is an obsolete Type 40 TT capsule. TARDIS stands for "Time And Relative Dimensions In Space". FOOD How many varieties does Heinz have? Henry Heinz adopted the slogan '57 Varieties' because he liked the numbers 5 and 7. Including divisions and subsidiaries, they actually have around 1,300. What is the name of the bumps on a raspberry? Druplets. The raspberry is not a berry but an aggregate fruit of numerous drupelets around a central core. HUMAN WORLDYou will produce 121 pints of this in your life - what is it? Tears. The average person will also eat 10,000 chocolate bars and have 7,163 baths. Is it true that women have twice as many pain receptors on their bodies than men? Yes. Women have (on average) 34 nerve fibres per square cm of facial skin compared with just 17 for men. Are there any countries in the world that don't have McDonald's fast-food restaurants? There are none in Greenland, Mongolia, Kazakhstan, most of the Middle East, Guyana, Papua New Guinea, Burma, Vietnam and most of Africa. After Neil Armstrong said "that's one small step for Man, one giant leap for mankind", what were his next words? He continued: "Yes, the surface is fine and powdery. I can kick it up loosely with my toe." Who made the first mobile phone call in Britain? Comedian Ernie Wise was chosen to make the call by mobile phone operator Vodafone on January 1, 1985. From the middle of London's St Katharine's Dock, he phoned Vodafone's headquarters at Newbury, Berks. Which are the top four biggest employers in the world in terms of staff? Walmart (2.4 million people), the Chinese Army (2.3 million), the Indian State Railways (1.5 million) and the NHS (1.4 million). Who was born in 1959 and couldn't bend her legs for the first six years of her life, has a brother called Todd and two sisters? Barbie, the famous doll, was "born" in 1959, couldn't bend her legs until 1965, has a brother called Todd, and no, she has five sisters. How much money will the average person in the UK spend in their lifetime? Men will spend £1,717,118 and women just £1,363,729. Of that, £286,311 goes to the taxman. What caused 73 accidents in Britain in 2002? Toothpaste tubes. Surprisingly, 823 accidents are caused by letters and envelopes. How many miles does the average woman walk in her lifetime while vacuumcleaning? 7,300 miles. Men only walk an average of 850 miles. SPORTWhat do John Lennon and Gary Lineker have in common? Both were given the middle name Winston - after Churchill. Lineker also shares a birthday with Churchill on November 30. WORDSWhat is the weirdest pub name? Poosie Nansie's in Ayrshire, but there are many: Sally Up Steps in Bolton; Donkey On Fire in Ramsgate; Oxnoble in Manchester; Who'd A Thowt It in Berkshire; Tafarn Sinc in Carmarthenshire, and the shortest - Q in Stalybridge. In rhyming slang, a Douglas Hurd is a third-class degree at university, and a Desmond Tutu is a 2:2, but what is a 2:1 in slang? In degree rhyming slang a 2:1 is known as Attila (the Hun) or Don (Juan). A 1st is Geoff (Hurst) or Damien (Hirst), while a 3rd is also known as a Thora (Hird). Why do people say "cobblers" when they believe something isn't true? The expression "cobblers", meaning nonsense or rubbish, derives from "cobbler's awls", Cockney rhyming slang for "balls". Why is New York the Big Apple? The name first appeared in the 1920s as horses were rewarded with apples on its many race tracks. A 1971 official tourism campaign first used the expression. Where does the term "purple patch" originate? The phrase, describing a period of success and good form, derives from Roman times, when only noblemen could afford purple dyes and cloth. WORLD TRIVIAWhere is Europe's largest roundabout? The Arc de Triomphe in Paris - which is the meeting point of 12 avenues. No vehicle insurance policy is valid on it. How long would it take to walk to China and back? The distance London-Beijing is 5,070 miles, so it's a 10,140-mile round trip. Walking speed 4mph; 2,535 hours' walking time; eight hours' walking per day: 316.8 days. What is the most expensive liquid in the world? Scorpion venom - used in medical research and which costs £1,038 for a 0.2ml sample (that's £5,302,725 per litre). AND FINALLYGive me three statistics that will wow my friends. • 76 people die each year playing Twister. • Linda McCartney sold more veggie meals than husband Paul sold records. • Humans share a third of their DNA with lettuce
  • Voting Question: Can someone show me a critical review of overfunding a life insurance policy?
    Otherwise termed "Infinite banking" by one guru. I believe it to be a ripoff insurance saving vehicle and what I've read thus far as supported that belief. I would like a critical review by a reputable paper or site that my mother-in-law will believe. It's hard to find more than consumer comments/reviews and a bunch of garbage marketing material.
  • Resolved Question: If I buy a term life insurance policy with a term of 20 years...what happens at he end of the 20 yrs?
    I know this sounds dumb, but do i just put the policy in a safe deposit box until I die? I'm in my 40's and know I need to get a policy, and just have so many questions that I can't seem to find the answers to on the web. Any help is appreciated, as well as any websites that give a lot of info. The salesmen are sooo pushy sometimes. I've been on Suzeorman.com, but I can't seem to find all the answers there.
  • Resolved Question: Can someone tell me the difference between Whole Life and Term Life insurance? Help?
    I'm not sure if this is the right catagory, but I need some answers before I change insurance companies, so any help here is greatly appreciated.
  • Resolved Question: I want to get my 52 year old uncle life insurance. Can I do this without being a dependent?
    I just want to be able to pay for funeral costs if/when he dies. He doesn't care to get it for himself, and I think it is selfish for him to assume that the family will take care of the expenses. Funeral costs are high, and I don't want anyone to have to struggle to pay for it. So I am willing to insure him and pay for the montly payments. However, he doesn't live with me and he doesn't depend on me or vice versa. I also would like to insure him for long term care if he needs it. So can I take on the responsibility even though he does live with me? He won't mind at all if I buy insurance for him. He just doesn't want to pay for it himself. He will sign any documents that he needs to sign. Thanks
  • Voting Question: Is Whole Life insurance always a bad idea?
    Many experts say not to ever get whole life and instead only Term Insurance.... My wife and I are playing on a getting a combination of both (20 yr term.... and a "small" whole life on each of us) we are in our late 20s. Premiums are almost = for both our terms and whole lifes policies... plan is that the 20 yr term will get us through our children's college etc... then the whole life will always be there "slowly" being worth more as time goes on to cover us as we get older.... and possibly even when we would have been insurable
  • Resolved Question: what is the benefit of whole term life insurance vs. term?
    The difference in the premiums is enourmous. Can the premiums be raised on either type? whole vs term
  • Resolved Question: Get answers from millions of real people.?
    I'm all for an Alternative union and getting equal rights in relation to health insurance, bank accounts etc.... What I'm against is the comparison made to a straight marriage which it definately is not. Even by the gays own description they consider their lives to be an Alternative livestyle which means a different livestyle. In a society where labels are put on people all the time why not call it an Alternaitve Union to show the differences. Gays do have their very own livestyle and they go to great pains to show that they are different. The term marraige in the dictionary refers to the union between man and woman. Why not create a descriptive term to mean (alternative union) to mean the union between 2 people of the same sex? You want to be different by defination of the word gay. Why not carry through all the way?
  • Resolved Question: i have decide to join tata aig life insurance as an agent?is this good for long term?
    i am planning for business partners with tata aig life insurance?please guide
  • Resolved Question: What do you think of my article? HARMD more harm than good?
    Methadone and Harmd. Is Harmd doing more harm? I am here to write my opinion on HARMD. This means; "Helping America Reduce Methadone Deaths". Although their intentions might be good or in their own mind considered good. H.A.R.M.D. is disseminating lies about the drug Methadone. A co-founder of this organzition experienced a horrible tragedy in regards to the admintration of this drug in a professional medical setting. As the story goes this individuals loved one was addicted to Oxycodone. Upon seeking medical help for this, the Medical facilty gave this person Methadone in conjunction with a benzodiazepiene and this person tragically died as a result of this combination. A dangerous combination. Harmd will tell you absolutely nothing positive about the drug Methadone. Instead of calling it Helping America reduce Methadone Deaths......... They should have called it; "Trying to ban Methadone in America". That seems to me like their goal. And the fact is Methadone save lifes. It makes people that live in chronic pain functioning human beings again. It makes addicts live normal lives. Methadone is not a replacement for Heroin! IN other word's Methadone clinics are there to help these people live normal lives. Harmd's claims on their video's on U-tube openly admit that the onset of the rush of the drug is slow; (Thus sticking their foot in their mouth indicating the drug is used to obtain a high/hence obtaining it for illicit reasons)so the person takes more to get high and doesn't realize a toxic level is increasing in them. METHADONE IS not to be USED to get HIGH or a rush! It is so easy to point the finger at a thing than a person. Methadone does not have a brain, it cannot control how and who or why a person uses it. No one is going to want to admit their son died in a bathroom and was found with a syringe full of cocaine in his arm are they? No one would want to admit their son was a IV cocaine addict. But they can say Methadone killed their kid? Why? Because Methadone is FDA approved? Oxycontins ruined all of this. Oxycontins made regular pill users into full blown junkies. That is how Methadone just became a issue. Funny we never heard about Methadone deaths prior to 1998. Number one; Methadone is a powerful synthetic opiate narcotic! The only people that have business with this drug are addicts that are going to addiction treatment or people that live in chronic pain in pain management. Methadone is not used to take if you have trouble sleeping! It is not used for a headache and it is not used as a spice in making meatloaf! Methadone must be used only by people that are qualified to take it. HARMD states it stays in your system a long time and or but it's pain relief is only 4 to 6 hours. THIS IS FALSE! Methadone's analgesia threshold is 8 or more hours! Methadone has a 24 to 36 hour half life. This indicates that if you consume 10mg's. Exactly 24 hours later you will have 5mg's dormant in you. Thus if you want to maintain this 10mg a day dose, you take 10mg initially and than every day than and there out you take 5 mg's! So on and so fourth. Again a person that is not prescribed Methadone for pain or does not get it in an addiction treatment scenario HAS NO BUSINESS WITH IT! Giving this to a non familiar user that is only using it for a stupid reason is like giving a blind person glass in their dinner. JUst say no to drugs! True facts on Methadone: Methadone is the most sctrunized drug on the planet. No drug , not one in the history of the world has gone under the scrutiny that Methadone has. The drug has been in use since perhaps the mid 60's and this drug has a proven tried and true list of positive virtues in regards to long term effects on the body and almost has a explanation and theory on every dosaging protocol that has ever existed on the planet. I don't believe there is a single case of anyone being allergic to Methadone. All opiates have long term effects on the body. There is nothing but overwhelming evidence that indicates that Methadone is the lightest on all the organs compared to any other opiate. It is the long half life which does not give the body time to recover throughout doses is what I believe makes it the harshest in this aspect. All opiates impede vitamin and mineral absorbtion. Methadone is not excempt from this and because of it's long duration on visiting the body, mineral and vitamins should be used as a supplement. There is not a single drug on the planet that is as healthy as drinking milk or as healthy as eating a apple a day. Eating a bag of Potato chips everyday may actually be worse for your health. The FDA does not tell you the long term effects of MSG to readily. Or the stuff they put in a Big Mac. Methadone is the flattest hitting opiate on the planet. In other word's it maintains a constant blood level throughout a 24 hour period. This is what makes Methadone such a miracle drug for addicts and pain management people. But it is this virtue that HARMD claims it is so dangerous. This is the a paradox of their thinking. Where conventional opaites hit high and rapidly drop, Methadone does not. Therefore a person that is taking conventional opiates for pain eventually will end up abusing them to chase blood levels to keep an existing happy mood in check. This is a real thing that is going on in the brain and it is not in a person's head. So instead of taking more medication for pain relief, they are taking more to keep their mood in check and not pain control. This inadvertantly results in tolerence to the drug very quickly and non-delibarate abuse. With Methadone this is almost non-existant. It is a superior pain reliever by this virtue and dosing twice a day is almost always considered effective as compared to 4 times or more a day by a conventional opiate. It is this aspect of Methadone that also of course makes it a choice for addcition treatment. It keeps the person in check throughout the entire day (Not needing more and more of the opiate) and cancels the so-called mental cravings a opiate addict gets. Methadone in a pain scenario is also a opiate that keeps opiate induced hypersensitivity down to a low. All pain people in time will experience this and it either can be considered a form of withdrawal as more opiates are administered or break-thru pain. Since Methadone maintains a flat blood level and keeps pain receptors filled constantly, this phenomenon is greatly reduced. There are some claim that Methadone does not create opiate induced hypersnsitivity. I think it does and will but the effects are far less apparent. Methadone is the simpliest of all opiate molecular structures. Methadone was developed in Germany (I.G. Farben) under the direction of Herman Goering in mid 40's as a substitute for morphine. It was never intended at the time to be used in opiate addiction. It just happened that way. People in pain management that obtain Methadone for pain are readily sterotyped as ex Heroin addicts because of Methdone's use in addiction centers. Fact: A 40mg Methadone pill( Wafer) was as large as a quarter. And it is thick as two on the eges and in the middle as thick as three quarters stacked. If someone gave you a pill the size of a quarter and told you it was an aspirin, would you be a little apprehensive about it? It was perhaps one of the largest pain pills ever produced and as a aspirin in this form this would be perhaps be a 4,000 MG aspirin? Just saying. The size alone of the 40mg pill should have been a deterrant from anyone abusing it. The truth is, you would have difficulty placing the entire thing in your mouth and swallowing it whole. It was also serated into four sections, not half but quarters. Thus indicating a quarter of the pill could be taken, but people that decided to abuse it, and took the entire thing anyways? Knowing it could be broken in fours? 40 Milligrams are no longer made however the 10's are. The company makes very small 10 mg pills and by eliminating the 40 they should make the 10mg just as large to indicate it looks strong? Who knows. For 10mg's of Methadone is strong! Fact: 10mg's of Methadone is approx. 100 Milligrams of Morphine. Now this varies in IV and other routes of administration how it is metabolized, but for a standard equal it holds primary true. Methadone in a pain scenario prescribed 5mg's a day for three days, than 10 mg's a day for three day's and so on (Until determined the level of pain it is controlling) will never represent a problem with the patient. This patient must be simply monitored to see how they are reacting to the medication as far as fatique, lack of motor coordination, mental awareness for a two week period. The patient decides how they are reacting to the medication. Than they can safely be on the a stable dose of Methadone which is superior in pain control versus anything else. Methadone should not be mixed with alcohol at all! Methadone should not be mixed with any type of Benzodiazepiene. Methadone does not induce "Sleep Driving" like Ambien does. And last HARMD is so quick to indicate that pain patients use Methadone because it is cheap. They say "Cheaper is not always better." What an crazy statement. I never heard that before. Since when is anything cheap ever better? I think they made it up. Don't better things cost money? Explain that to me? BUT! Methadone as bought as a illegal drug on the street is anything but cheap! Not in the least. It is just as expensive as everything else. Again it should never be purchased illegally! That solves that problem. Say no to drugs.The only way to obtain it cheap is legal. Methadone treatment in clinic's is EXPENSIVE not CHEAP either. So I have no idea what they are talking about. So people that used it, abused it and died, did not pay pennies for their death but high dollar like everything else. And it is cheap. So what? I am a pain person that didn't have insurance, that was a blessing. HARMD could care less about that! Stating that Methadone is cheap as bought from a genuine prescription was a dumb thing to put in their arsenal. So what? It again is not cheap on the street or from the drug dealer on the corner. What are my sources? I am a extensive researcher on opiates. I weaned off of 200mg's of Methadone a day as precribed for pain in 3 months and had them in my hand. I been researching opiates for 10 years and was a legally prescribed user of the,Give me any question on any opiate. I will give you an answer. Not a lie.
  • Resolved Question: What do you think of my article?
    Methadone and Harmd. Is Harmd doing more harm? I am here to write my opinion on HARMD. This means; "Helping America Reduce Methadone Deaths". Although their intentions might be good or in their own mind considered good. H.A.R.M.D. is disseminating lies about the drug Methadone. A co-founder of this organzition experienced a horrible tragedy in regards to the admintration of this drug in a professional medical setting. As the story goes this individuals loved one was addicted to Oxycodone. Upon seeking medical help for this, the Medical facilty gave this person Methadone in conjunction with a benzodiazepiene and this person tragically died as a result of this combination. A dangerous combination. Harmd will tell you absolutely nothing positive about the drug Methadone. Instead of calling it Helping America reduce Methadone Deaths......... They should have called it; "Trying to ban Methadone in America". That seems to me like their goal. And the fact is Methadone save lifes. It makes people that live in chronic pain functioning human beings again. It makes addicts live normal lives. Methadone is not a replacement for Heroin! IN other word's Methadone clinics are there to help these people live normal lives. Harmd's claims on their video's on U-tube openly admit that the onset of the rush of the drug is slow; (Thus sticking their foot in their mouth indicating the drug is used to obtain a high/hence obtaining it for illicit reasons)so the person takes more to get high and doesn't realize a toxic level is increasing in them. METHADONE IS not to be USED to get HIGH or a rush! It is so easy to point the finger at a thing than a person. Methadone does not have a brain, it cannot control how and who or why a person uses it. No one is going to want to admit their son died in a bathroom and was found with a syringe full of cocaine in his arm are they? No one would want to admit their son was a IV cocaine addict. But they can say Methadone killed their kid? Why? Because Methadone is FDA approved? Oxycontins ruined all of this. Oxycontins made regular pill users into full blown junkies. That is how Methadone just became a issue. Funny we never heard about Methadone deaths prior to 1998. Number one; Methadone is a powerful synthetic opiate narcotic! The only people that have business with this drug are addicts that are going to addiction treatment or people that live in chronic pain in pain management. Methadone is not used to take if you have trouble sleeping! It is not used for a headache and it is not used as a spice in making meatloaf! Methadone must be used only by people that are qualified to take it. HARMD states it stays in your system a long time and or but it's pain relief is only 4 to 6 hours. THIS IS FALSE! Methadone's analgesia threshold is 8 or more hours! Methadone has a 24 to 36 hour half life. This indicates that if you consume 10mg's. Exactly 24 hours later you will have 5mg's dormant in you. Thus if you want to maintain this 10mg a day dose, you take 10mg initially and than every day than and there out you take 5 mg's! So on and so fourth. Again a person that is not prescribed Methadone for pain or does not get it in an addiction treatment scenario HAS NO BUSINESS WITH IT! Giving this to a non familiar user that is only using it for a stupid reason is like giving a blind person glass in their dinner. JUst say no to drugs! True facts on Methadone: Methadone is the most sctrunized drug on the planet. No drug , not one in the history of the world has gone under the scrutiny that Methadone has. The drug has been in use since perhaps the mid 60's and this drug has a proven tried and true list of positive virtues in regards to long term effects on the body and almost has a explanation and theory on every dosaging protocol that has ever existed on the planet. I don't believe there is a single case of anyone being allergic to Methadone. All opiates have long term effects on the body. There is nothing but overwhelming evidence that indicates that Methadone is the lightest on all the organs compared to any other opiate. It is the long half life which does not give the body time to recover throughout doses is what I believe makes it the harshest in this aspect. All opiates impede vitamin and mineral absorbtion. Methadone is not excempt from this and because of it's long duration on visiting the body, mineral and vitamins should be used as a supplement. There is not a single drug on the planet that is as healthy as drinking milk or as healthy as eating a apple a day. Eating a bag of Potato chips everyday may actually be worse for your health. The FDA does not tell you the long term effects of MSG to readily. Or the stuff they put in a Big Mac. Methadone is the flattest hitting opiate on the planet. In other word's it maintains a constant blood level throughout a 24 hour period. This is what makes Methadone such a miracle drug for addicts and pain management people. But it is this virtue that HARMD claims it is so dangerous. This is the a paradox of their thinking. Where conventional opaites hit high and rapidly drop, Methadone does not. Therefore a person that is taking conventional opiates for pain eventually will end up abusing them to chase blood levels to keep an existing happy mood in check. This is a real thing that is going on in the brain and it is not in a person's head. So instead of taking more medication for pain relief, they are taking more to keep their mood in check and not pain control. This inadvertantly results in tolerence to the drug very quickly and non-delibarate abuse. With Methadone this is almost non-existant. It is a superior pain reliever by this virtue and dosing twice a day is almost always considered effective as compared to 4 times or more a day by a conventional opiate. It is this aspect of Methadone that also of course makes it a choice for addcition treatment. It keeps the person in check throughout the entire day (Not needing more and more of the opiate) and cancels the so-called mental cravings a opiate addict gets. Methadone in a pain scenario is also a opiate that keeps opiate induced hypersensitivity down to a low. All pain people in time will experience this and it either can be considered a form of withdrawal as more opiates are administered or break-thru pain. Since Methadone maintains a flat blood level and keeps pain receptors filled constantly, this phenomenon is greatly reduced. There are some claim that Methadone does not create opiate induced hypersnsitivity. I think it does and will but the effects are far less apparent. Methadone is the simpliest of all opiate molecular structures. Methadone was developed in Germany (I.G. Farben) under the direction of Herman Goering in mid 40's as a substitute for morphine. It was never intended at the time to be used in opiate addiction. It just happened that way. People in pain management that obtain Methadone for pain are readily sterotyped as ex Heroin addicts because of Methdone's use in addiction centers. Fact: A 40mg Methadone pill( Wafer) was as large as a quarter. And it is thick as two on the eges and in the middle as thick as three quarters stacked. If someone gave you a pill the size of a quarter and told you it was an aspirin, would you be a little apprehensive about it? It was perhaps one of the largest pain pills ever produced and as a aspirin in this form this would be perhaps be a 4,000 MG aspirin? Just saying. The size alone of the 40mg pill should have been a deterrant from anyone abusing it. The truth is, you would have difficulty placing the entire thing in your mouth and swallowing it whole. It was also serated into four sections, not half but quarters. Thus indicating a quarter of the pill could be taken, but people that decided to abuse it, and took the entire thing anyways? Knowing it could be broken in fours? 40 Milligrams are no longer made however the 10's are. The company makes very small 10 mg pills and by eliminating the 40 they should make the 10mg just as large to indicate it looks strong? Who knows. For 10mg's of Methadone is strong! Fact: 10mg's of Methadone is approx. 100 Milligrams of Morphine. Now this varies in IV and other routes of administration how it is metabolized, but for a standard equal it holds primary true. Methadone in a pain scenario prescribed 5mg's a day for three days, than 10 mg's a day for three day's and so on (Until determined the level of pain it is controlling) will never represent a problem with the patient. This patient must be simply monitored to see how they are reacting to the medication as far as fatique, lack of motor coordination, mental awareness for a two week period. The patient decides how they are reacting to the medication. Than they can safely be on the a stable dose of Methadone which is superior in pain control versus anything else. Methadone should not be mixed with alcohol at all! Methadone should not be mixed with any type of Benzodiazepiene. Methadone does not induce "Sleep Driving" like Ambien does. And last HARMD is so quick to indicate that pain patients use Methadone because it is cheap. They say "Cheaper is not always better." What an crazy statement. I never heard that before. Since when is anything cheap ever better? I think they made it up. Don't better things cost money? Explain that to me? BUT! Methadone as bought as a illegal drug on the street is anything but cheap! Not in the least. It is just as expensive as everything else. Again it should never be purchased illegally! That solves that problem. Say no to drugs.The only way to obtain it cheap is legal. Methadone treatment in clinic's is EXPENSIVE not CHEAP either. So I have no idea what they are talking about. So people that used it, abused it and died, did not pay pennies for their death but high dollar like everything else. And it is cheap. So what? I am a pain person that didn't have insurance, that was a blessing. HARMD could care less about that! Stating that Methadone is cheap as bought from a genuine prescription was a dumb thing to put in their arsenal. So what? It again is not cheap on the street or from the drug dealer on the corner. What are my sources? I am a extensive researcher on opiates. I weaned off of 200mg's of Methadone a day as precribed for pain in 3 months and had them in my hand. I been researching opiates for 10 years and was a legally prescribed user of the,Give me any question on any opiate. I will give you an answer. Not a lie.
  • Resolved Question: what is the cost of living in Bahrain in terms of food, decent family accomodotation,insurance, good car etc.?
    I have received a job offer for the basic salary of bhd1000, bhd450 for accomodotation and bhd100 for the transportation allowance..is it enough to have a decent life in bahrain and have savings as well??please only knowledgeable people get back to me..thanks
  • Resolved Question: Whole life insurance question?????
    I planning on getting a 50K whole life policy (along with some term). I understand that my whole life policy gains cash value and eventually will be worth well over the 50K the policy promises...... if I die, will my policy pay out the 50K PLUS the cash value it is worth that exceeds the 50K at the time of my Death????
  • Resolved Question: Employee Benefits. Ursula is employed by USA Corporation. USA Corporation provides?
    Employee Benefits. Ursula is employed by USA Corporation. USA Corporation provides medical and health, disability, and group term life insurance coverage for its employees. Premiums attributable to Ursula were as follows: Medical and health $3,600 Disability 300 Group term life (face amount is $40,000) 200 During the year, Ursula suffered a heart attack and subsequently died. Before her death, Ursula collected $14,000 as a reimbursement for medical expenses and $5,000 of disability income. Upon her death, Ursula’s husband collected the $40,000 face value of the life insurance policy. a. What amount can USA Corporation deduct for premiums attributable to Ursula? b. How much must Ursula include in income relative to the premiums paid? c. How much must Ursula include in income relative to the insurance benefits? d. How much must Ursula’s widower include in income? please help.Thanks!
  • Resolved Question: How can I provide the following for a baby sitter?
    Medical HMO and PPO plan offered. Plans from are Aetna, Kaiser. Dental DHMO and PPO plans from CIGNA Dental are offered to benefit eligible associates. Vision Vision Service Plan (VSP) is offered to all our eligible associates. Life & Accidental Death Insurance Basic Term life and accidental death and dismemberment (AD&D) coverage is issued at no cost. In addition, eligible associates are given an opportunity to purchase additional coverage. Supplemental Life & Accidental Death Insurance In addition to the coverage provide by the company, you may purchase an additional amount of Supplemental Life and Accidental Death and Dismemberment (AD&D) Insurance for yourself and children. Flexible Spending Accounts (FSA) Flexible Spending Accounts allow you to set aside pre-tax dollars for out-of-pocket health care expenses not covered by the medical plan and dependent care services for eligible children and other qualifying dependents. 401(k) Savings & Retirement Plan
  • Resolved Question: Which of two Life Insurance Policys should I keep; which to discard?
    I currently hold two life insurance policies on myself. They are both for the same amount, here are the differences: Policy #1 costs $68 per month. It is WHOLE Life, 20 yrs, with Cash Value built in. Policy #2 costs $53 per month. It is TERM life, 30 yrs, with no cash value. I have been paying on both policys just a pinch over 1 year each. I am 50 yrs old. I will work as long as able, since I will never really be able to afford retirement. I have no home, therefore no equity. The only asset I have is an IRA CD of $35k. My only dependent is my hubby, who is 100% disabled. He receives SSDI which is barely enough for him alone. No kids. No pets. I need to add money to my budget so that I can purchase WHOLE Life Insurance for my hubby, as it is a rare policy I found that will accomodate persons Post-Stroke. Why policys? assist surviving spouse w/funds to get home, pay debts, assist w/expenses in general. Questions? Post in your answer; will review. 072208 8:35
  • Resolved Question: This is not a reality show… this is reality!?
    Any and all help appreciated. Hello to all, I am a single father, raising my daughter on my own for several years since the passing of her mother. Of course I am no different than many others in this similar situation, “trying to make ends meet”. America is certainly the land of “opportunity, innovation and fresh ideas” and now amid a terrible economy to slug our way through, we are all now having to find the new trends, new directions and new beginnings. For some, with plenty of capitol under their belts, the times are not so bad. But, for the rest of us it is constant uneasiness and fear of whether things are going to get better soon or worse? I am tired of watching ordinary Americans, myself included, experience the economic highs and lows that make our lives so unstable and unpredictable! I for one have worked dam hard throughout my life only to watch someones relative or an incompetent boob advance on by me. Of course that is not true in all cases, but it is true enough to where we notice it. Don’t get me wrong, there are people with success that are deserving of the life they have built, but where I see flaws in our society today is the lack of true opportunities being given back to others that are deserving and have worked hard, so that in-turn those folks can give back to others. For so many of us ordinary, hardworking Americans who try to create better lives for ourselves we find the road blocks put up in our way by Corp Execs, Financial Institutions and Government. So you are probably saying “that’s true, but what’s your point”. Well, here it is… I have seen for years the most worthless people climb the “corporate ladder” while hard working people (like myself) slug my guts out and rarely get ahead or have anything long term or invested to show for it. It’s time for all of us out there who can relate to this to “have our cake and eat it too”! I respectfully ask all that read this and can relate or understand to help me in any way large or small. I am tired of working for others that just don’t “give back” to those that deserve it, really deserve it! So I am starting a movement of sorts which I am calling “true opportunities”. I am looking to start my own business and I need your help. I want to build a business to create independence for myself and in turn give back to others by creating jobs and opportunities to hard working Americans that usually don’t get “true opportunities”. I want to help real-hard working Americans find the success and security they deserve. NO! I am not trying to sell some “get rich quick” scheme or some elaborate scam. My vision is to create a multiple of businesses that true give opportunities to hard working people, without any prerequisites or conditions to meet. I am looking to build a network of business’ that span as many fields as possible and with this be able to open doors for people to careers they truly will love doing and be happy with. Of course we all would love to do things that maybe we are just not capable of doing but that does not mean we cannot still find something within our interests that we could love doing and be happy at and enjoy! Also, who’s to say we can’t change our minds from time to time? Well all that would certainly be a part of my network, in which one could apply for re-education towards a different career path and financial help would be granted as well as the career when the re-education period has ended. I know that one person can most likely NOT help everyone, but maybe my efforts and the example I will set will help others follow in my footsteps and create a chain reaction throughout the business world. I simply believe that there is not enough being done today, in our society, to offer true opportunities to good hardworking people. I believe business’ can and should afford to give back to its employees like they used to do, with insurance, promotions from within, continuing education, retirement. All these things are for sure, “investments into your employees”. Their happiness and security is essential for a great and productive work environment and the more a company invests into its employees, the more a business will grow. In my opinion, I feel the biggest problem with many companies today is that they do the opposite of what I have just stated and in effect handicap their own ability to grow! So without further ado…I would like to ask for any and all support in realizing the dream I have set forth in this letter. I of course need money to start up my campaign. I respectfully ask for help in this regard from anyone out there who has read this, believes this, understands this and can relate to what I have said! My name is John, my campaign is “True Opportunities”. As a product of this campaign every business I create from these efforts will bear the trade mark logo “TRUE OPPORTUNITIES” in its name for all to recognize and appreciate. For all that feel as I do, please send any donation $ you can afford to John @ P.O. Box 308 Addison, Illinois 60101. Every little bit helps and helps me to get started in this dream.
  • Resolved Question: Is it common to have both term and whole life insurance? Sort of a hedge?
    I bought them from an agent 15 years ago, somehow it seemed to balance the pros and cons of each. Now I've applied for another term, and wonder about dropping the whole life. Sonya, I didn't understand that link. Was that one page supposed to be "the basics, step-by-step". It doesn't really explain much. Sonya, I didn't understand that link. Was that one page supposed to be "the basics, step-by-step". It doesn't really explain much. Sonya, I didn't understand that link. Was that one page supposed to be "the basics, step-by-step". It doesn't really explain much.
  • Resolved Question: A life insureance policy that pays whether the policyholder lives or dies is called?
    A. Premium Insurance B. Face value insurance C. Term insurance D. Permanent insurance

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