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What’s up doc?: The ‘squabble’ over ‘squalene’

Thursday, October 29th, 2009

A single injection of squalene may not sound like much, unless you look at the pathological, medical evidence

Why is it that many health professionals working in a local hospital refuse to get the new H1N1 flu vaccination?

watch?v=zhQ-Tu4ljEo

The uninjectable suddenly has become injectable

The uninjectable suddenly has become injectable

The reason – the inclusion of squalene.

Squalene may be safe in certain environments but rumor has it that it should never, repeat never be “injected”.

Well, if it’s in a flu vaccination, how are we supposed to believe it enters our system – correct – it’s injected!

According to the examiner.com:

Squalene has been shown to cause severe autoimmune disorders like multiple sclerosis, reheumatoid arthritis and Lupus. Furthermore, Blaylock claims this particular vaccine adjuvant is connected to the Gulf War syndrome that killed thousands of soldiers and caused a 200% increase in Lou Gehreg’s disease.

Another issue of similar proportion is that of the Gardasil treatment for teenage girls to prevent cancer.

Is there a pattern here? Are we becoming human guinea pigs?

Who, including which drug companies are we supposed to trust?

And why is the vaccine for pregnant women different than that for the rest of us?

H1N1 is no joke. It seems to be taking it’s toll, and the biggest risk group seems to be teenagers that have not been exposed to this flu that has been around in the past, making the older generation less likely to get sick.

But like a loaded gun, and the effect on those that were injected with squalene in the Gulf war that now have health problems, are we asking for bigger trouble?

Squalene is mixed into the formula for one reason and one reason only – more bang for the buck! It all boils down to the “almighty dollar”.

I’m starting to feel like that human guinea pig, or rat:

A 2000 study published in the American Journal of Pathology demonstrated a single injection of the adjuvant squalene into rats triggered “chronic, immune-mediated joint-specific inflammation,” also known as rheumatoid arthritis.

People don’t know the facts and understand the implications. It reminds me of the insurance industry, where the real issue is finding an agent to trust, and not knowing all the ins and outs. The question is, is the medical word trustworthy when the soldiers of the U.S. military continue to be exploited medically, and in every other way too.

  Shouldn’t we all  start asking the hard questions?

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Gardasil: Yes or No?

Friday, October 16th, 2009

I will post links as found on a regular basis for the drug Gardasil.

Beware. Is this the biggest human guinea pig experiment in medical history?

Links:

Remember, the pharmaceutical industry is “selling” this cure:

Merck Frosst, which manufactures Gardasil, has been lobbying government officials both in Canada and south of the border about the need for school vaccination programs.

Please check back often, as I will continue on an ongoing basis to monitor the articles of interest, in the hope of education for us all with teenage daughters!

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Canadian disability insurance forum spot

Wednesday, October 14th, 2009

Please join us on this forum link

I came across this disability forum that may be mainly U.S. oriented, so I thought I’d better add some Canadian content.

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Ontario Blue Cross ‘Mortgage Plan’ advantages and use

Wednesday, October 14th, 2009

The Ontario Blue Cross mortgage plan is an excellent disability plan as a stand alone.

Life insurance is not required to get at the disability insurance, and the benefit period can be up to the amortization of the mortgage. Normally plans limit to 12 to 24 months, but not the Blue Cross mortgage plan!

How would this be integrated into a disability program?

Well, here is how I would look at this option as an addition to a disability program.

Let’s say you are an employee, and you do not pay the full premium for the disability insurance at work. This means the benefit would be taxable. Let’s also assume the benefit is 66.7% of your usual pay.

Therefore, after tax, your paycheque is cut in half. Doing the math, would this leave you short an amount approximately equal to the mortgage payment or a good portion? If the answer is ‘yes’ then the mortgage plan should be considered, as a means to bring you back to pre disability earnings.

For details on the plan, please click Brochure Mortgage Plan.

Another nice feature is that only one of the two borrowers is required to apply, not both if not required. So, if a spouse has adequate coverage elsewhere, but the other does not, we can fill the gap for the spouse without proper disability coverage. Saving money with this plan is possible because of it’s flexibility.

Many mortgage plans at the banks will:

  • force you to take the life insurance to get at the disability option
  • cover off only 12 to 24 months of payments not the full term
  • have other long waiting periods and other restrictions
  • have limited underwriting leaving you wondering if you are ‘truly’ insured

With the Blue Cross Mortgage plan, leave those worried behind! You are fully underwritten up front to alleviate worry, and can have full coverage for a lengthy disability. With bank plans only covering off 24 months, you might as well start packing, as often the plan gives you time to readjust, but not stay in your home.

Insurance planning is all about ‘being okay’ financially if you become disabled, or if you should die. Looking at income before and after a disability is the only sure way to determine if your plan is adequate.

Sound too good to be true? I knew you would think that. So, here’s the contract wording so you can fine-tooth comb it to ensure it is what we say it is!

Please call us at 1.866.856.6799 to discuss this further.

 

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Protected: FNA form

Tuesday, October 13th, 2009

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Wednesday, October 7th, 2009

  

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Disability Insurance – Occupations that are mid-range risk for Canada Life

Monday, October 5th, 2009

Occupation classes 3 and 4 are considered mid-range risk by Canada Life. As mentioned, often the ranking of 3 or 4 can be upped by one or even two levels, dependent on factors such as income, job and industry stability, and supervision responsibilities. So, even though, all things considered equal, it is not that hard to move up the risk scale and secure the best insurance on the market at very affordable rates.

I will try to list some of these mid-range occupations, as far as risk here. By no means is this a complete list, and you may be able to compare yourself with some of these occupations, to get a good idea of where you might fit off the top.

Remember, we can look at moving you into the best rate categories, so this is just a starting place.

Here are the occupations starting at a 3 or 4 level:

  • Accountants, not CA (4)
  • Adjusters, Insurance, other than fire and marine (4), others (3)
  • Advertising industry, executives, managers, and employees (4)
  • Air Conditioning Engineers, on-the-job inspections or superintendent (4); non engineer supervisors (3)
  • Appraisers, non-real estate (4), and real estate (3)
  • Architects, 20 or more hours per week at construction site (4)
  • Architects, Landscape, professional, office and consulting only (4), or on job supervising with no manual (3)
  • Artist, commercial (cartoon, illustrators, graphic) not freelance (4), others not insurable
  • Athletics, sports, and amusements, fitness centres, owners, managers, and supervisors (3)
  • Athletics, golf courses, curling, hockey, tennis or racquet clubs – owners and managers, office and supervisory duties only (3)
  • Horse Racing, starters, judges, officials (3)
  • Horse racing, pari-mutual clerk (3)
  • Horse riding school, owners, managers, supervisory only (3)
  • Auctioneer (3)
  • Audiologist (4)
  • Auditor w/o prof degree (4)
  • Auto Industry, dealerships, new and used, proprietor, office employees, sales (new), and repairs (3); (auto mechanics (2))
  • Aviation, aircraft dealer, manager, proprietor, and sales (3)
  • Airport personnel, clerk, (passenger, reservation, and ticket) , and weather observer(4)
  • Bakery, office and counter duties (3)
  • Banks, clerks, tellers, executives, officers, managers (4)
  • Biochemist, not Ph.D (4)
  • Booking agent, away from residence, and full-time  (4)
  • Bookeeper (4)
  • Botanist w/o Ph.D (4)
  • Broker or buyer, merchandise, mortgage – office only (4)
  • Broker or buyer, cotton, grain, livestock, lumber (not working in woods), produce (3)
  • Building maintenance and service, property manager, office only, not living in building (4)
  • Building manager, superintendent not living in bldg, supervisor duties only (3)
  • Business machine sales and service, dealers and sales, no repairs (4), in-office operator (3), repair person (3)
  • Camera repair person (3)
  • Camera person, studio work (3)
  • Camps and Parks, year round, office duties only (3)
  • Cantor (3)
  • Carpet and rug, office and sales only (3)
  • Casino, manager, supervising duties only (4); dealers, pit boss (3)
  • Catering company, owner (4), supervisors (3), but if doing more than that (1)
  • Cemetaries and Crematories, office and sales only (4); non-office supervisory only (3)
  • Chemist, lab duties, no Ph.D (4)
  • Cleaner and dyer, clerk (counter duties) (3)
  • Cleaners, owners, counter and supervisors (3)
  • Clerk, office duties) (4)
  • Clockmaker or repairer (3)
  • Coal, clerk with office duties only (4); owners see Executives/Business owners (likely 4 or 5)
  • Collection agency, manager or supervisor (3)
  • Computer industry, other than analysts and programmers, incl. operators (4); servicemen, techs, other skilled (3)
  • Construction Industry, owners and consultants with $65,000 income, and no out of office (4); others lower rating (2 or 1)
  • Copywriter (4)
  • Courier Service, proprietor, manager with office duties only (see executives – likely 4 or 5), or dispatcher (3)
  • Court reporter (4)
  • Curator (4)
  • Custodian, public bldg, superintending not janitorial duties (3)
  • Customs broker (4)
  • Dairy and Creamery inspector (3);, owners likely 4 0r 5 (executives); superintendent (3)
  • Daycare away from residence and licensed, office only (4); others likely (2)
  • Daycare, teachers, ECE (3)
  • Decorator, interior, consulting only (4)
  • Dentistry, Lab worker (3); Denturist (4)
  • Diamond cutter, polisher, setter (3)
  • Dietitian , no cooking (4)
  • Dock worker, superintendent or wharfmaster (no manual) (3)
  • Dog Kennel, manager or supervisor (3)
  • Drafts person, office only (4)
  • Driving school, proprietor or manager, no repairing or instructing (3); instructors (2)
  • Drug store and pharmacy, store clerk, not stocking shelves (3); stocking (2)
  • Economist (4)
  • Editor, full time, away from residence (4)
  • Efficiency expert or engineer, office duties only (4)
  • Electrician (3)
  • Elevator, manager foremen, inspectors, supervisory duties only, not repairing (3)
  • Engineer, with field duties at at haxardous sites (mines/oil) (4); technical grads with office or consulting duties only (4); field and plant (3)
  • Engraver not monument (3), monument (2)
  • Entomologist (4)
  • Etcher (3)
  • Executives and business owners: (1) to (5) depending on income, risk and supervisory of classes
  • Expediter (3)
  • Express agent, office only (3)
  • Farmer/owner (3)
  • Fire Dept Chief (3)
  • Fishing, hatchery, superinintedent only (3)
  • Florist, store duties and no greenhouse (3)
  • Furniture store, manager or sales, no manual duties (3); office only (4)
  • Garbage collection plants, office only (3)
  • Geodetic surveyor (3)
  • Geologist with field duties (4)
  • Elevator managers, inpectors, foremen (no manual duties) (3)
  • Guide, museum or public building (3)
  • Harbour master (3)
  • Health Inspector (3)
  • Heating and air conditioning dealer or sales person (no manual) (3)
  • Home inspector (3)
  • Homeopath, other than M.D. (4)
  • Hospital –  dietitian (no food prepare) (4); executive or managers (4); reflexologist (3); superintendent (4); lab, radiation, ultrasound, or x-ray technicians (3); speech therapists (4); kinesiologist, occupational and physiotherapists (all 3)
  • Hotel or Motel –  cashiers, desk clerk, hostess, party arranger (3); manager, office or supervisory only (3)
  • Inspector – agriculture (3); aircraft (ground only) (3); automatic sprinkler (3); boiler (3) credit or mercantile agency (3); dairy (3); elevator (3) flour, food, meat, and produce (3)
  • Inspector – Immigration, custom official (3)
  • Inspector – livestock (3)
  • Inspector – plumbing (3); postal (3); scales (3); street or highway (3) Timepiece or precision instrument (4)
  • Insulation – sales not door to door, 2 yrs experience (3)
  • Interpreter (4)
  • Jewellery sales (3); watch or jewellery maker or repair, no machines (3), machine (2)
  • Kennel manager, office duties (3)
  • Kinesiologist (3)
  • Lab technician (3)
  • Landscape architect, professional , office and consulting only (4), on the job supervising, no manula (3)
  • Law enforcement –  court reporter (4); figerprint expert (not making arrests) (3); marshall, sheriff, bailiff (office and court duties only) (3); penetentiary, prison, or reformatory, chaplain, superintendent or warden (3); parole or probation officer (3); title searcher (4); truant officer (3)
  • Lens Grinder, polisher or cutter (3)
  • Librarian (4)
  • Liquor industry inspector (3)
  • Lithographer (3)
  • Locksmith (3)
  • Lumber industry (possible 3 or 4) if contractor, or manager, not in woods (3), or forestry engineer, office and consulting (4); office or supervisory in mills
  • Manufacturing of non-toxic materials – designers, drafts people, or paymasters (4); foremen, inspectors, lab technicians, superintendents, timekeepers (3)
  • Manufacturing of toxic materials – lab technicians, inspectors, superintendents, timekeepers (3)
  • Marina – manager, full time, year round, office only (3)
  • Marine Industry – ship captains, chief officer and mates, stewards, pilots, engineers, pursers on passenger vessel (3); harbour master of dredge (3)
  • Massage therapist (3)
  • Master mechanic (not doing repairs) (3)
  • Metallurgist (4)
  • Meteorologist (4)
  • Meter reader or inspector (3)
  • Midwife (3)
  • Milk  – evaporator person(3), and inspector or tester (3)
  • Mining – from 1 to 4, or not insurable
  • Minister (4)
  • Monument works, supervisor, no manual (3)
  • Mortgage broker (4)
  • Motion picture – acoustic engineer (3), camera repair (3), camera operator (3), chief engineer (3), costume or set designer (3); others range from UN to 4 (editor (4))
  • Motorcycle – dealer or sales, without demo (3)
  • Music – instrument maker, repairer, or tuner (3)
  • Naturopath or Homeopath, not M.D. (4)
  • Newspaper or magazine advertising or business solicitor (4); columnist, not freelance working at residence (4); editor (4); reporter (3); telephoto operator (3)
  • Notary other than Quebec (4); Quebec (5)
  • Nurse – R.N. other than in hospital (4); hospital R.N. (3)
  • Nursery clerk, counter only (3)
  • Occupational therapist (3)
  • Office clerk (4)
  • Oil or gas – inspector, engineer, or tester (3)
  • Optician earning less than $75,000 (4)
  • Orthotics manufacturer (3)
  • Packing house – broker, buyer, or sales (3)
  • Paralegal (4)
  • Parking lot – owner, manager, office duties (3)
  • Parks – superintendents, office duties only (4); ticket takers (30
  • Personnel recruiters (4)
  • Pharmacy technician or assistant (4)
  • Photo developer (3)
  • Photo engraver, artist (3)
  • Photogrammatist (4)
  • Photographer – other than aerial (3)
  • Physiotherapist (3)
  • Piano repairer or tuner (3)
  • Picture framer (3)
  • Pottery – ceramic engineer (4); superintendent (3)
  • Principal – school (4)
  • Printing & Publishing – lithographer, artist (4), engraver, pressman (3), proofreaders, strippers, (3), publishers, editors, managers, office employees (4), others possible (3)
  • Produce broker or buyer (3)
  • Proofreader (3)
  • Property Manager (office only, not residing in bldg) (4)
  • Prosthetics, maker and fitter (4)
  • Psychologist withouot Ph.D (4)
  • Publicity agent (4)
  • Purchasing agent (4)
  • Rabbi (4)
  • Radio and TV dealer and sales (3); announcer (4); camera operator (studio) (3);; recording studio engineer (3); production manager (4); projection machine operator (3); script writer (4)
  • Railroad – announcer, office employee, freight solicitor, tocket agent (4)
  • Real estate –  commercial leasing manager, no sales (4); appraiser (3)
  • Receptionist , office only (4)
  • Reporter – court (4); newspaper (3)
  • Respiratory therapist (3)
  • Restaurant manager (office) (3); others with office only (3)
  • Retail sales 4 or 3, no stocking shelves
  • Auto parts sales – office and supervisory only (3)
  • Rubber stamp maker (3)
  • Safety Engineer, factory (3)
  • Sales, professional – generally 3 to 5
  • School principal (4)
  • Secretary (office) (4)
  • Securities industry, commodity/stock broker, not trading (4)
  • Sewing machine repair (3)
  • Sign industry – not erectors or painters (3)
  • Silversmith (3)
  • Speech pathologist (4)
  • Speech therapist (4)
  • Stenographer (4)
  • Surveyor, office only (4), field duties (3)
  • Taxi owner or supervisor with 7 full time employees (3) (no driving)
  • Teacher (4)
  • Telephone installer, repairperson, tester, inside work only (3)
  • Therapist – speech (4), others (3)
  • Tobacco auctioneer (3); buyer not in field (4); buyer in field (3); inspector (3)
  • Topographer, outside office (3)
  • Toxicologist (4)
  • Traffic manager, office and travelling duties only (4)
  • Translator (4)
  • Travel agent – not conducting tours (4), tours (3)
  • Typesetter  – not press operator (3)
  • Ultrasound technician (3)
  • Undertaker – proprietor (3)
  • Urban planner (4)
  • Vending machine – office, minimum 5 employees ((3)
  • Vetrinarian – large animals (4); vet technician (3)
  • Violin maker or repairer (3)
  • Vocational therapist (3)
  • Warehouse – foreman, managers, and superintendents (3)
  • Watch repairers (3) or makers (3)
  • Water meter reader (3)
  • Water works superintendent, no manual (4); foremen (3), meter inspector (3), tester (3), reader (3)
  • Welfare worker, office only (4); out of office (3)
  • X-ray machine technician (3)
  • Zoo director (4)
  • Zoologist – less than 10% in field (4); more than 10% (3); superintendent (no manual) (3)

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Hooper Requirements order

Friday, October 2nd, 2009


Name:
Email Address:
Client Name:
Client Date of Birth:
Client Phone Number:
Client Address:
Insurance Company:
Type of Coverage:
Amount of Coverage:
Application or Policy #:
Requirements:
Additional Requirements or notes:
Other Notes or Special Instructions:

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