March Newsletter 2017

THE BOTTOM LINE MONTHLY NEWSLETTER  

March 2017

Dear Clients, Associates & Friends,                                

Welcome to the End of March and a Beautiful Spring 2017, Out with that Nasty Old Cold! Now that the shivers are behind us, (I hope – tell that to the people in the northeast USA), and my mind has thawed… I wrote in one of my last newsletters the importance of “Living in the Moment

“When you try to control everything, you enjoy nothing! Sometimes you just need to Relax, Breathe, Let go and just live in the Moment”

www.Loveandsayings.com

This month I want to share some additional informative strategies and money saving techniques as well as a little “eye opening moment” that I’ve experienced throughout life, but really came to light over the past few weeks… Giving Advice to Others!

My father told me to never do business with family or friends and starting my career out 25 + years ago, I was a stockbroker and when starting out all I knew were family and friends…so I’m sure you know where this story is going… I found out that all people love ya when you’re making them money and it’s the family members that have vitriol distain when you lose them a freaking dollar… so I learned that lesson well.

Now, a father of 3 twenty-somethings, I was asked by my two younger children for advice and I thought after our conversations that we were both on the same wave length, only to find out a few days later, they both acted out completely opposite of the discussed game plan. To my dismay, it was a negative result for my 2 young adults… One had their finger broken and the other had a broken heart.

Lesson: Don’t be disappointed if people, (even your kids), don’t follow your wisdom and advice, even when you are on the correct side of the outcome and they weren’t, because YOU can only control yourself and your actions and I’ve lived long enough to now know… I’m not going to have a heart attack from getting upset with my families decisions, or lose anymore hair than I have to and I’m not going to stop giving the advice if asked, but now I know that I can no longer be EMOTIONALLY INVESTED.

So, don’t give up on the good deed and intentions, because sometimes you will get through… it’s my emotional reactions that I have taken a stance, not to allow fester!   For now on… It’s like water off a ducks back!

The Importance of Having the Correct Private
International Health Insurance Plan…….

By: John W. McGee

There are TWO things in Life that you can’t buy…
LOVE & HEALTH!

With the technological advances in medicine and health care throughout the world, doesn’t it make sense to have a Private Health Insurance coverage that allows you and your family access to the FINEST doctors, hospitals and other medical facilities in the world?

Most clients are very busy doing what they do best, running their companies, staying active during retirement, mixing the two, etc.! Unfortunately, many countries in Latin America and throughout the Third world, lack true professional advice – when it comes to benefits of their current health plans. Many PRIVATE plans offer ONLY networks of hospitals and doctors, limiting you and your family’s choices. Do you really care about choice – when it comes to you or your family’s life or death medical decisions? I hope so…. Do you want to go to John’s Hopkins, Mayo Clinic, and Cleveland Clinic or do you want to be forced to stay in a NETWORK?

This is known as Freedom of Choice. Your Freedom to Choose the Best!

Many residents in third world Latin American countries will travel to the United States for major surgeries and treatments. They will then return to their home country to continue treatment, if their country is equipped to assist the patient, if not, several trips a year will be planned to revisit the States.

No Limitations is truly the only way you and your family as policy holders can really begin controlling the quality of medical attention.

Note: International Medical plans continue to evolve, and the best match is those that offer contracted facilities as well as allow Freedom to choose.

Important Questions & Answers about Private International Health coverage:

Question: As an International citizen, will benefits cease when I reach a certain age?

Answer: Be careful, some plans discontinue after age 70 or 75. www.expatglobalmedical.com  offers policies that will cover you for LIFE.

Question: What are the benefits of having a Group or Corporate health coverage?

Answer: Many Carriers offer a corporate policy that will cover a minimum of 5 employees to as many as 50+ employees. This plan is very attractive because all premium rates are identical. If you are 55 and the average age of the group is age 35, you will pay the same average premium as an employee age 35. This program is a great incentive or bonus to retain key executives or employees.

Question: What type of Quality, Ratings and History do the companies have?

Answer: www.expatglobalmedical.com offers you and your family access to the highest quality International Private Health Insurance, (Individual, Corporate or Hybrid Association), programs and companies in the world.

Question: Which plan is right for my family and me?

Answer: Most plans offer complete Freedom to choose any doctor or hospital in the world. Once we know the ages, country of citizenship, country of residence, if anyone takes prescribed medications and their daily dosage and preexisting conditions…we can customize a plan for you, your family or company within 48 hours.

Question: How does the process work, if I am interested in attaining coverage?

Answer: Because each case is different and we establish a strategy to protect your assets, so it’s not product driven….the plan is customized for the client, then products are plugged in to deter any possible Swiss Cheese leakage of financial exposure!

For any questions or concerns, E-Mail and include contact number with country and city code to our president at john@expatglobalmedical.com and you will get a response from the top – GUARANTEED!

Adult Vision: Over 60 Years of Age

By: American Optometric Association

Vision changes occur as you get older, but these changes don’t have to affect your lifestyle. Knowing what to expect and when to seek professional care can help you safeguard your vision.

As you reach your 60s and beyond, you need to be aware of the warning signs of age-related eye health problems that could cause vision loss. Many eye diseases have no early symptoms. They may develop painlessly, and you may not notice the changes to your vision until the condition is quite advanced. Wise lifestyle choices, regular eye exams and early detection of disease can significantly improve your chances of maintaining good eye health and vision as you age.

You may not realize that health problems affecting other parts of your body can affect your vision as well. People with diabetes or hypertension (high blood pressure), or who are taking medications that have eye-related side effects, are at greatest risk for developing vision problems.

Regular eye exams are even more important as you reach your senior years. The American Optometric Association recommends annual eye examinations for everyone over age 60. See your doctor of optometry immediately if you notice any changes in your vision.

 

Age-related Eye and Vision Problems

In the years after you turn 60, a number of eye diseases may develop that can change your vision permanently. The earlier these problems are detected and treated, the more likely you can retain good vision.

The following are some vision disorders to be aware of:

  • Age-related macular degeneration (AMD)is an eye disease that affects the macula (the center of the light-sensitive retina at the back of the eye) and causes central vision loss. Although small, the macula is the part of the retina that allows us to see fine detail and colors. Activities like reading, driving, watching TV and recognizing faces all require good central vision provided by the macula. While macular degeneration decreases central vision, peripheral or side vision remains unaffected.
  • Cataractsare cloudy or opaque areas in the normally clear lens of the eye. Depending upon their size and location, they can interfere with normal vision. Usually cataracts develop in both eyes, but one may be worse than the other. Cataracts can cause blurry vision, decreased contrast sensitivity, dulling of colors and increased sensitivity to glare.
  • Diabetic retinopathyis a condition that occurs in people with diabetes. It is the result of progressive damage to the tiny blood vessels that nourish the retina. These damaged blood vessels leak blood and other fluids that cause retinal tissue to swell and cloud vision. The condition usually affects both eyes. The longer a person has diabetes, the greater the risk for developing diabetic retinopathy. In addition, the instability of a person’s glucose measurements over time can impact the development and/or severity of the condition. At its most severe, diabetic retinopathy can cause blindness.
  • Dry eyeis a condition in which a person produces too few or poor-quality tears. Tears maintain the health of the front surface of the eye and provide clear vision. Dry eye is a common and often chronic problem, particularly in older adults.
  • Glaucomais a group of eye diseases characterized by damage to the optic nerve resulting in vision loss. People with a family history of glaucoma, African Americans and older adults have a higher risk of developing the disease. Glaucoma is often painless and can have no symptoms. Over time, it can take away peripheral (side) vision.
  • Retinal detachmentis a tearing or separation of the retina from the underlying tissue. Retinal detachment most often occurs spontaneously due to changes to the gel-like vitreous fluid that fills the back of the eye. Other causes include trauma to the eye or head, health problems like advanced diabetes, and inflammatory eye disorders. If not treated promptly, it can cause permanent vision loss.

 

Driving Safely After 60

If you are 60 or older, driving a car may be increasingly difficult. Age-related vision changes and eye diseases can negatively affect your driving abilities, even before you are aware of symptoms. Some age-related vision changes that commonly affect seniors’ driving are:

  • Not being able to see road signs as clearly
  • Difficulty seeing objects up close, like the car instrument panel or road maps
  • Difficulty judging distances and speed
  • Changes in color perception
  • Problems seeing in low light or at night
  • Difficulty adapting to bright sunlight or glare from headlights
  • Experiencing a loss of side vision

These tips can help you stay safe when driving, especially at night:

  • Use extra caution at intersections. Many collisions involving older drivers occur at intersections due to a failure to yield, especially when taking a left turn. Look carefully in both directions before proceeding into an intersection. Turn your head frequently when driving to compensate for any decreased peripheral vision.
  • Reduce your speed and limit yourself to daytime driving. If you are having trouble seeing at night or your eyes have difficulty recovering from the glare of oncoming headlights, slow down and avoid driving at night.
  • Avoid wearing eyeglasses and sunglasses with wide frames or temples. Glasses with wide temples (side arms) may restrict your side vision.
  • Take a driving course for seniors. Participate in a program for older drivers in your community, such as those offered by the American Association of Retired Persons (AARP). This can help you learn how to compensate for the physical changes that may affect your driving ability.
  • Have an annual eye examination. Yearly eye exams can ensure your eyeglass or contact lens prescription is up to date. It can also ensure early detection and treatment of any developing eye health problem.

 

Dealing with Vision Loss

Unfortunately, some people over 60 lose sight beyond the normal, age-related vision changes. Macular degeneration, glaucoma and diabetic retinopathy are among the eye health conditions that can lead to permanent vision loss in varying degrees and forms.

Visual acuity alone is not a good predictor of a person’s degree of visual difficulty. Someone with relatively good acuity (e.g., 20/40) can have difficulty functioning, while someone with worse acuity (e.g., 20/100) might not experience any significant functional problems. Other visual factors, such as poor depth perception, limited side vision, extreme sensitivity to lights and glare, and reduced color perception, can also limit a person’s ability to do everyday tasks.

Low-vision rehabilitative services can provide people with the help and resources they need to regain their independence. These services can teach people with low vision a variety of techniques that allow them to perform daily activities with their remaining vision.

Your doctor of optometry can help plan a rehabilitation program so that you can live an independent life within your condition’s limitations. A wide variety of rehabilitation options are available to help people with low vision live and work more effectively, efficiently and safely. Most people benefit from one or more low-vision treatment options. The more commonly prescribed devices are:

 

  • Spectacle-mounted magnifiers.A magnifying lens is mounted in spectacles (this type of system is called a microscope) or on a special headband. This allows you to use both hands to complete a close-up task, such as writing a letter.
  • Handheld or spectacle-mounted telescopes.These miniature telescopes help people see longer distances, such as across the room to watch television. They can also be modified for near (reading) tasks.
  • Handheld and stand magnifiers.These are convenient for short-term reading tasks, such as viewing price tags, labels and instrument dials. Both types can include lights.
  • Video magnification.Table-top (closed-circuit television) or head-mounted systems enlarge reading material on a video display. Some systems can be used for distance viewing. These are portable systems, and some can be used with a computer or monitor. Users can customize image brightness, image size, contrast, foreground/background color, and illumination.

 

In addition, numerous other products can assist those with vision impairment, such as large-type books, magazines, and newspapers; books on tape; talking wristwatches; self-threading needles; and more. Talk with your optometrist to learn more about your available options. .

INSURANCE HUMOR

.

A GREAT PARTNER COMPANY:

Expat Global Medical, (www.expatglobalmedical.com) has partnered with The PA Group, (www.pagroupco.com ) to offer one of the WEA or Premier Global Medical Programs underwritten by            Lloyds of London: Insuring Globally Since 1688

Financial stability: Financial security is crucial. It gives confidence to capital providers and peace of mind to policyholders. Lloyd’s strength and robust capitalisation is reflected in our ratings. Three of the world’s leading insurance rating agencies recognise Lloyd’s strengths and the financial strength of the market.

 

AXA Global Hospital Network

Adding the PA Group / WEA Signature Plans to our portfolio allows our clients access to Affordable, Flexible and Quality medical plans that can include or exclude the USA. Click below for an Immediate Quote! As I said above, each case is different. Please email me and I personally would be happy to speak with you answering questions or concerns BEFORE you submit an application!

Immediate Quote: https://www.weadirect.com/signature/get-quote-prod?ProducerCode=WE100155

______________________________________________________________________________

What Types of Companies Does www.expatglobalmedical.com  Represent?

  1. We ONLY represent A (Excellent) rated companies and higher, including:
Check Out some of our testimonials:

Click: http://www.expatglobalmedical.com/site/about-expat-global-medical/

If you are interested in a Life Insurance Quote please e-mail me at john@expatglobalmedical.com

 

Click Below to get Immediate Online Quotes for the following:

Global Private Medical Insurance: 

http://www.expatglobalmedical.com/site/expat-medical-insurance/

Temporary Travel Medical Insurance:

http://www.expatglobalmedical.com/site/medical-insurance/

Life Insurance Quote:

http://www.expatglobalmedical.com/site/life-insurance/

Please e-mail us at

wecare@expatglobalmedical.com or john@expatglobalmedical.com

 

Note: Offering a TRUE International Life Insurance Quote online is very difficult, please e-mail us and you’ll have a response within 48 hours!

PLACES MY CLIENTS LIVE

Vietnam 

      

Ancient Vietnam

About 2,000 years ago people in North Vietnam began growing rice in the Red River Valley. To irrigate their crops they built dykes and dug canals. They were forced to work together and so an organized kingdom emerged called Van Lang. However in the 2nd century BC the Chinese conquered the area.

The Chinese ruled northern Vietnam for more than 1,000 years and Chinese civilization had a great impact on the Vietnamese.

However in South Vietnam there was Indian influence. From the 1st century to the 6th century AD the southernmost part of Vietnam was part of a state called Funan.

In the middle of Vietnam an Indian influenced state called Champa arose in the 2nd century AD.

In North Vietnam the people resented Chinese rule and in 40 AD the Trung sisters led a rebellion. They formed an independent state. However in 43 AD the Chinese crushed the rebellion and the sisters killed themselves. The Chinese continued to rule North Vietnam until the 10th century. Finally in 938 a leader named Ngo Quyen defeated the Chinese at the battle of Bach Dang River and North Vietnam became an independent state.

In the 13th century the Mongols invaded Vietnam three times. In 1257 and 1284 they captured the capital but each time they soon withdrew. Then in 1288 the Vietnamese leader Tran Hung Dao routed the Mongols at the Bach Dang River.

However in the early 15th century China tried to regain control of North Vietnam. In 1407 they occupied the country but their rule was resisted. In 1418 Le Loi began the Lam Son Uprising. By 1428 the Chinese were driven out and Le Loi became the Emperor Le Thai To. Under his successors the central Vietnamese state of Champa became a vassal state of North Vietnam.

However in the early 16th century the power of the Le dynasty declined. During the 17th and 18th centuries two rival families effectively held power, the Trinh in the north and the Nguyen in the south. The Nguyen family conquered the Mekong Delta from the Khmer Empire.

In the 1770s a rebellion began in the town of Tay Son. Three brothers called Nguyen led it. Gradually they took territory from the Nguyen lords in the south and the Trinh lords in the north. By 1786 they were in control of the whole of Vietnam and one brother, Nguyen Hue made himself Emperor Quang Trung. In 1788 the Chinese intervened in Vietnam but the Vietnamese routed them at Dong Da.

However a Nguyen lord named Nguyen Anh escaped. He raised an army and from 1789 he pushed back the rebels. Nguyen Anh took Hanoi in 1802 and made himself Emperor Gia Long. Under him Vietnam became a strong united kingdom.

Meanwhile the Portuguese reached Vietnam by sea in 1516. In their wake came missionaries, first Dominicans then Jesuits and the Roman Catholic Church made some headway in Vietnam.

The French in Vietnam

In the late 19th century Vietnam became a French colony. However the French took over Vietnam in stages. In 1859 they captured Saigon. Finally in 1883 North and Central Vietnam was forced to become a French protectorate.

The French built infrastructure in Vietnam such as the Saigon to Hanoi railway. They also built roads and bridges. However the building was funded by heavy taxation. Naturally the Vietnamese wanted independence. The Communists spearheaded the struggle for independence. Ho Chi Minh founded the Revolutionary Youth League from the safety of China in 1925. In 1930 it became the Vietnamese Communist party.

In 1940 the Germans defeated France. Japan decided to take advantage of French weakness and they forced the French government to allow Japanese troops to occupy French Indo-China, although they left the French administration in place.

The Vietnamese Communists or Viet Minh fought the Japanese and by 1945 they controlled parts of North Vietnam. Meanwhile in March 1945 the Japanese took control of the administration of Vietnam and when Japan surrendered on 15 August 1945 they left a power vacuum.

Ho Chi Minh moved quickly to fill the vacuum. He called for an uprising called the August Revolution and the Viet Minh took control of most of Vietnam. On 2 September 1945 Ho Chi Minh declared Vietnam independent.

However the great powers ignored the Vietnamese demand for independence. Under the terms of the Potsdam Conference Japanese troops south of the 16th parallel surrendered to the British. Those to the north surrendered to the Nationalist Chinese.

However the French army soon arrived in the south to take control from the British. In the north Chinese troops moved in. However Ho Chi Minh soon decided that the French were the lesser of two evils and he signed a treaty, which said that French troops should replace Chinese troops in North Vietnam for 5 years. In return the French promised to recognize Vietnam as a ‘free state’.

However it soon became clear the French had no intention of giving up power in Vietnam and fighting broke out between them and the Viet Minh.

For eight years the Viet Minh fought a guerrilla war against the French. Finally in 1954 they surrounded a French army at Dien Bien Phu. After a siege lasting 57 days the French were forced to surrender. By then it was clear that the French could not win the war and both sides met at the Geneva Conference to end the war. They agreed that Vietnam would be temporarily divided at the 17th parallel and elections would be held by 20 July 1956. However no elections were held and the division of Vietnam became permanent.

Modern Vietnam                                                                                                         

In the north Ho Chi Minh introduced a Communist regime while in the south Ngo Dinh Diem became ruler. However in the early 1960s South Vietnam was rocked by demonstrations and in 1963 Diem was ousted in a coup.

Meanwhile in 1959 the North Vietnamese began a long guerrilla war to reunite Vietnam under Communist rule. The Northern Guerrillas were known as the Vietcong.

Gradually the USA became involved in the Vietnam War. As early as 1950 the US sent military advisers to South Vietnam. Financially they supported the French and later the South Vietnamese government.

Then in 1964 two US ships were supposedly subject to ‘unprovoked’ attacks by the North Vietnamese. First the Maddox was attacked. Two days later the Maddox and a ship called the C Turner Joy claimed they were both attacked. (It is doubtful if this attack ever took place).

The Americans then bombed the north and Congress passed the Tonkin Gulf Resolution allowing the president to take ‘all necessary measures’ to prevent ‘further aggression’. As a result by December 1965 there were 183,000 US soldiers in Vietnam and by the end of 1967 there were nearly half a million. However the Vietcong continued their guerrilla war.

In January 1968 the Vietcong launched the Tet offensive in towns and cities across South Vietnam. They suffered heavy losses but afterwards the Americans gradually withdrew from Vietnam. In January 1973 they signed a ceasefire and the remaining American troops withdrew.

The South Vietnamese continued to fight the Vietcong alone. However in the early months of 1975 South Vietnamese resistance collapsed and on 30 April 1975 the North Vietnamese captured Saigon. Vietnam was reunited under Communist rule.

Then in the late 1970s the Khmer Rouge made attacks on Vietnam. So in 1978 the Vietnamese occupied Cambodia. They stayed until 1989.

Meanwhile in 1986 the Vietnamese government introduced market reforms. As a result the Vietnamese economy began to grow rapidly. In 1994 the USA lifted an economic embargo on Vietnam and in 1995 diplomatic relations was restored.

Today the Vietnamese economy is booming and Vietnam is becoming more and more prosperous. Tourism is an important industry in Vietnam. Furthermore a stock exchange opened in Vietnam in 2000.

Today the population of Vietnam is 94 million.

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CONCLUSION:

I hope my March 2017 newsletter has given you a few minutes of pleasure and education, while also being a little entertaining… If you would like any quote or have any questions, I’m always free to assist you!

CONTACT US: john@expatglobalmedical.com

Until next month, “Leave This Life Exhausted”!

Today’s Decisions Equal Tomorrows Security…..

Kindest Regards,

John McGee – Director

www.expatglobalmedical.com

ExPatGlobalMedical.com

618 Riverbend Drive – 1st Floor
Advance, North Carolina – 27006
Tel: (336) 998-9583
Fax: (336) 998-5493
USA