October 2016 Newsletter
Hello to all my clients, prospects and friends, this is John McGee,
“Since 1992 www.expatglobalmedical.com has been insuring people all over the globe!”
The focus of the new site is to continue offering International Travelers, Ex-Pats and Local Nationals access to the highest quality Permanent and Temporary Travel Medical coverages; however, we have added a little twist….you can now go to our UPDATED website and get IMMEDIATE ONLINE QUOTES, and in some cases you are able to pay and print the actual policy in a matter of 5 minutes. CLICK HERE to try it out!
Here we are in October, and it’s been a crazy month or so…. Dawn and I were delayed in Miami because of the Volcano erupting in San Jose, Costa Rica, (another successful event with International Living), at the end of September, Hurricane Mathew rolled into the Caribbean and up the Eastern USA Coast…upon my return back from Miami and now an Earthquake of about 5.7 outside of one of my favorite cities in the world Puerto Vallarta, Mexico. WHEW… what a month!
Back here in little old Winston-Salem, North Carolina we are beginning to experience some BRISK, but very nice cooler weather, still OK to ride my Harley Davidson though, while the national, state and local elections slated for November 8th begin to boil.
This month, I’d like to share with you a few Partner websites that I feel you will find very interesting, informative and helpful if you decide to travel to the countries they focus on. Scott Oliver runs a great site for those who may be interested in relocating or visiting Costa Rica www.welovecostarica.com. I have beautiful Pamela Thompson of Puerto Vallarta, Mexico – http://www.healthcareresourcespv.com and last but not least one of my favorite brokers and friends from Tel-Aviv, Israel…Moti Bashkin at www.buenavida-ins.com.
Please visit these sites and open up your horizons to new places, people and cultures…remember folks, we only live once and once were dead we have plenty of time to rest.
|This month I would like to focus on 1 Issue that affects all of us!
Another fun benefit of becoming older is not only wisdom, but the darn aches and pains associated with normal wear and tear on the joints….were not only talking about arthritis issues, we are talking about weight and activity issues…these are only a couple of things that can hinder our normal activities….so I want you to read below and very interesting article including
“9 Tips to Help You Guard Your Joints Against Injury and Diseases such as Arthritis”
Caring for Your Joints
Here’s information you can use daily to maintain healthy and strong joints.
You and Your Joints
A joint is the connection between two bones. Joints and their surrounding structures allow you to bend your elbows and knees, wiggle your hips, bend your back, turn your head, and wave your fingers to say bye-bye.
Smooth tissue called cartilage and a fluid called synovium cushion the joints so bones do not rub together. But increasing age, injury — even sitting the wrong way or carrying too much weight — can wear and tear your cartilage. That can lead to inflammation — arthritis — and other problems that can damage your joints.
The best way to care for your joints is to keep them and your muscles, ligaments, and bones strong and stable. Here are some tips for good joint health.
Healthy joint tip # 1: Watch your weight
Keeping your weight within a healthy range is the best thing you can do for your joints. Weight-bearing joints, such as your knees, hips, and back, have to support some, if not all, of your body weight. That’s why so many people have problems with these areas of the body.
The higher the number on your bathroom scale, the more wear and tear you put on your joints. Losing weight reduces pressure on your knees, hips, and back and helps prevent joint injury. Research has shown that with every pound gained, a person puts four times more stress on the knees. Women who lose about 11 pounds reduce their risk of developing arthritis of the knees.
Healthy joint tip # 2: Get moving
Exercise can help you lose extra pounds or maintain a healthy weight. Some research suggests that aerobic exercise — activities that get your heart rate up — can reduce joint swelling. Opt for exercises that won’t give your joints a pounding. Instead of step aerobics, try low-impact exercises such as swimming or bicycling.
Another healthy idea: Don’t sit still! Couch potatoes, computer addicts, and anyone else who remains glued to a chair all day long have a high risk for joint pain. Less movement means more stiffness in your joints. So get up and get moving. Change positions frequently. Take frequent breaks at work and stretch or go for a short walk. If you can’t leave the office, try taking phone calls while standing.
Healthy joint tip # 3: Build muscle
Strong muscles cushion your joints. If you don’t have enough muscle, your joints take a pounding, especially those in your knees, which must support your entire body weight. Weight training exercises help build muscle and keep existing muscle and surrounding ligaments strong. Then your joints don’t have to do all the work. Make sure you talk to your doctor before starting any type of exercise routine, including weight lifting. You don’t want to strain the joint that you’re trying to strengthen.
Healthy joint tip # 4: Center yourself
Make sure your exercise routine includes activities that strengthen your abdominal (core) muscles. Stronger abs help you keep your balance and prevent falls that can damage your joints.
Healthy joint tip # 5: Know your limits
Certain exercises and activities might just be too tough for your joints to handle. You will likely feel some pain after working out. But any soreness that lasts longer than 48 hours means you need to take it easier next time. Such pain could mean you’ve over-stressed your joints, and working through it may lead to injury or damage.
Don’t be afraid to ask if you need help with a specific task or chore. A second pair of hands always comes in – well, handy!
Healthy joint tip # 6: Perfect your posture
Slouching is not good for your joints. Standing and sitting up straight protects your joints from your neck to your knees. Good posture also helps guard your hip joints and back muscles.
Posture is also important when lifting and carrying. For example, if you use a backpack, be sure to put it over both shoulders instead of slinging it over one. Being lopsided puts more stress on your joints. When lifting, use the biggest muscles in your body by bending at your knees instead of bending your back.
Healthy joint tip # 7: Protect yourself
Make sure you always wear a helmet, knee pads, and elbow and wrist pads when taking part in high-risk activities, including work-related ones such as repetitive kneeling or squatting. Even if you think you’re a pro on a bicycle or a pair of Rollerblades, you should never go without safety gear. Hit the wrong bump in the road and you could be headed for a lifetime of joint pain. Serious injuries or several minor injuries can damage cartilage.
Preventing injuries can help ward off early onset arthritis. Elbow and wrist braces, or guards, also help reduce stress on your joints during activities.
Healthy joint tip # 8: Add ice
Ice is a great drug-free pain reliever. It helps relieve joint swelling and numbs pain. If you have a sore joint, apply ice wrapped in a towel or a cold pack to the painful area for no more than 20 minutes. Don’t have ice or a cold pack? Try wrapping a bag of frozen vegetables (peas work best!) in a light towel. Never apply ice directly to the skin.
Healthy joint tip # 9: Eat right
A healthy, balanced diet helps build strong bones. Strong bones can keep you on your feet, and prevent falls that may lead to joint damage. Make sure you get plenty of calcium every day. You can do this by drinking plenty of milk and eating foods such as yogurt, broccoli, kale, and figs. If those foods don’t tempt your taste buds, ask your doctor if calcium supplements are right for you.
Oranges may also give your joints a healthy boost. Some studies suggest that vitamin C and other antioxidants can help reduce the risk of osteoarthritis.
Salmon is particularly beneficial for your joints. Not only is it a good source of calcium, it also contains omega-3 fatty acids. Omega-3s promote healthy joints and reduce joint pain and swelling in people with arthritis. Mackerel is another source of omega-3s. You can also get omega-3s by taking fish oil capsules.
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|You Never Need it until You Need it and When You Need it You Can’t Get It!
GLOBAL MEDICAL INSURANCE TIP FOR THE MONTH:
Having a Quality Global Medical policy that allows COMPLETE Freedom to choose any doctor or hospital is what I call a comprehensive policy. Many European companies like, (BUPA, Zurich, PPP, Etc.), have limitations with zoning of coverage, hospital networks, scheduling of benefits and HEAVY Premiums.
Submitting Claims: Different companies have different time frames they allow for the client to submit their paid claims, I have noticed in the past year or so that companies are becoming much stricter and sticking to their guns when claims are submitted after the allotted time frame that companies list in their contracts.
In the past the time frame ranged between 6 to 9 months, I am noticing that the newer contracts are now stating 90 days MAXIMUM; this means that a claim date of October 1st, 2016 MUST be submitted to the Insurance Company NO LATER than December 31st, 2016 or the claim will be DENIED.
My Suggestion: Always have a copy of a claim form available, so when you are ready to submit your claim…you can scan it and e-mail it to me and the claims department of the insurer. Always CC me on any correspondence….I am your back-up and proof that it was sent. After this is done, make copies for your files and forward the ORIGINALS by courier to Insurance Company or my office. Insurance policies and claims must be viewed as a hands on responsibility and the insured must take this very seriously. I know it can seem tedious to track down paid claims and so forth, but now with a shorter time frame to submit these claims, your attention is required like never before!
For any questions or concerns e-mail me directly at: firstname.lastname@example.org
|A LITTLE INSURANCE HUMOR
|What Types of Companies Does www.expatglobalmedical.com Represent?
The companies of Transamerica offer a wide array of innovative financial services and products with a common purpose. Regardless of the distribution method, our mission is to help individuals, families, and businesses build, protect, and preserve their hard-earned assets. With more than a century of experience, we have built our reputation on solid management, sound decisions, and consumer confidence.
The Transamerica companies are members of the AEGON Group, a multinational insurance organization headquartered in The Hague, The Netherlands. AEGON is one of the world’s leading life insurance and financial services organizations.
High Industry Ratings
Consistently high ratings are a direct reflection of the care with which we manage our business. Transamerica’s life insurance subsidiaries have received high ratings from the industry’s most respected independent rating services.
Financial Strength Ratings for Transamerica Life Insurance Company and Transamerica Financial Life Insurance Company.
If you are interested in a Life Insurance Quote please e-mail me at email@example.com
|PLACES I’VE BEEN AND MY CLIENTS LIVE
Dawn and I just returned from Costa Rica and the hustle and bustle city of San Jose….thank goodness most of the country is completely opposite of this hectic, nerve racking and stressful city!
Costa Rica has become synonymous with stability and prosperity – Costa Ricans enjoy the highest rate of literacy, health care, education and life expectancy in the isthmus. Unlike so many of its neighbors, the country has a long democratic tradition of free and open elections, no standing army (it was abolished in 1948) and even a Nobel Peace Prize to its name, won by former president, Oscar Arias, a key architect in the Peace Plan that helped bring an end to the conflicts in the region during the 1980s.
In recent years Costa Rica has also become the prime eco-tourism destination in Central America, if not in all the Americas, due in no small part to an efficient promotion machine that trumpets the country’s complex system of national parks and wildlife refuges. Every year hundreds of thousands of visitors – mainly from the United States and Canada – come to walk trails through million-year-old rainforests, raft foaming whitewater rapids, surf on the Pacific beaches and climb the volcanoes that punctuate the country’s mountainous spine. More than anything it is the enduring natural beauty that impresses.
Milk-thick twilight and dawn mists gather in the clefts and ridges divided by high mountain passes; on the Pacific coast, carmine and mauve sunsets splash down into the sea like meteors; vaulting canopy trees and thick deciduous understory’s carpet large areas of undisturbed rainforest, and vestiges of high-altitude cloud forest offer glimpses into a misty, primeval universe, home to the jaguar, the lumbering Jurassic tapir and the truly resplendent quetzal.
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I hope my October 2016 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!
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Until next month, enjoy your time on this earth and live life to its fullest… But it’s a good Idea to Be INSURED JUST IN CASE!!!! Today’s Decisions Equal Tomorrows Security…
Kindest Regards, John McGee – Director
John W. McGee – President
US Address: 618 Riverbend Drive – 1st Floor
Advance, North Carolina – 27006
US Tel: 336-998-9583 Fax: 336-998-5493
“Insuring People All Over the Globe Since 1992”