Women Pastors?

Is it Biblical for a woman to assume the position of Pastoral leadership? This subject has been presented and discussed in written and verbal forums. The difficulty with these undertakings is that one becomes more confused upon reading and hearing the shrouded answers. We are seeing a continual increase of woman in ministry, not only in teaching, but in Pastoral positioning. When you look over the past decades and see the mass exodus of men from dominating roles in the church, you become immediately thankful for the women that have stepped into the vacated roles. The placement of women in the church has saved many smaller churches from extinction, while at the same time issuing an indictment against men who have failed to assume their responsibility in the local church.

The question is not whether women should have an active part in the church, but rather, should women fill the pulpit as Pastors? Should they in fact lead the flock as a shepherd? Should they assume the oversight of the believers?

The extracting of Scripture to reinforce one's bias is to convey an interpretation that makes the Word of God uneffective through humanizing the Divine intent. The Corinthian Church was racked with divisions. (I Cor. 1: 10-13) There were followers of personalities rather than of the message they represented. Another area that seemed to cause confusion in that church was the use of tongues within the assembly. (I Cor. 14) Paul implies that a number of women were adding to the confusion by verbalizing their thoughts on the subject of tongues and, by so doing, were raising questions that were more confusing then edifying. So he instructed that the women were to keep silent in the church and if they wanted to learn about the use of tongues within the church, they were to discuss it with their husbands at home. (I Cor. 14:33-35) Interpreters of the Word must realize the context in which a Scripture is given. Paul wrote to Timothy that in a number of churches there were problems with women that were "usurping authority over the man." (I Tim. 2:12) Here again Paul states that women were raising questions that were causing confusion among the believers. To counter this, Paul said the women were to "learn in silence." (I Tim. 2: 11, 12) Why was Paul so concerned about women having such an active part in the Church experience? He believed man was formed first and then the woman, but more importantly, it was Eve who was deceived and thus ushered in transgression, not Adam. (I Tim. 2: 13, 14) The implication is if Eve had listened to Adam and not the serpent, they would have had an endless life in the Garden of Eden.

What are the qualifications for the role of a Bishop, Elder, or Deacon? (A Pastor would fall into any of those categories.) I Tim. 3: 1-13 and Titus 1: 5-9 contain the major criteria by which a person could be considered a candidate for ministerial leadership. One reoccurring theme is, "the husband of one wife." It is also stated that the person "ruleth" his own house. It also says "that their wives be grave, not slanderers, sober, faithful in all things." For a woman to meet the qualifications of a Pastor, we would have to stretch the Scripture beyond any justification. There are many wonderful women that are in the role of a Pastor and are doing a fine job in ministering to the people, but to justify success outside the limits of God's Word is to error.

To say the above observations are beyond discussion and introspection is to miss the intent of this article. This is simply a rhetorical verbalizing of a person who wants to share a possible response to the questing saints who desire to know whether it is Biblical for a woman to serve in a Pastoral capacity.

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Venturing Into Completeness of Personality

"To reach maturation, in a Jungian context, it is necessary for a man first to work through his shadow - the negative/evil aspects of chthonic and solar phallos. He then must deal with his inner femininity and its requirements for relatedness. Hidden behind these two enormous psychological tasks is the possibility of wisdom, the knowledge and stature that come only with age and long self reflection." ~Eugene Monick

Grappling with non-Christian content in the development of personality is a challenging reality for the committed Christian. However, I have no doubt that God has called me to integrate other models of truth in order to augment the process of discipleship. A guarded openness has wisdom about it. I wonder if the Bible might never more eloquently described 'the what', whereas many other sources of literature and collective wisdom can help with 'the how' of achieving the completeness of personality - to become more Christlike.

Let us first explore this term, the completeness of personality.

A VISION OF WHAT COULD BE

Self-actualisation is what the secularists call it. Discipleship is what Christians call it. These are the same processes, all be it for different outcomes. On the one hand, secular life calls the person, if they are so interested, to actualise themselves - to become all they can foreseeably be. On the other hand, the Christian is called to pick up their cross and follow Jesus. The Lord, alone, specifies the process of discipleship - through prayer, mentoring, learning, character development, and other spiritual disciplines, etc.

But surely we are talking about the same thing.

It all depends on our goal; it all depends who we do it for; it all depends on what the endgame is. For Christians, the answer to these three is simple: Christ.

The completeness of personality must be realised in wisdom - the prize awaiting all who would venture on Tremulous Road.

Being a process that is never fully realised, but one never more surely blessed, we go on and on into the development of the soul - mentally, emotionally, spiritually.

A CHRISTIAN GRAPPLING WITH THE JUNGIAN CONTEXT

Truth is truth and all of it is God's. Truth and wisdom are interdependent. There is wisdom in Jungian psychology and philosophy. It can be used to enhance the process of discipleship. Eugene Monick's quote, above, speaks from this philosophy. It speaks primarily to men, but women, equally, can draw insight as well.

A broad, and perhaps crude, summary:

We have two tasks to complete in approaching wisdom from our wounded selves. The first is to appreciate the evil in two flesh-propensities we have:

1) Solar Phallos: the desire is to magnify our best, most godly, attributes. But this is often over-achieved and we sin in pride; e.g. ambition for success, the elevation of personal power structures, etc.

2) Chthonic Phallos: the desire is to minimise our worst, darkest evils. For example, for men, it is suppressing erotic desire - some of which we are ashamed of.

Completing the first task is about letting go of the solar; giving up our neediness to want to be seen as gods. It is secondarily about coming to understand and accept that our darkest thoughts and visions come from within. Rather than suppress these, our challenge is to incorporate grace, not deal in judgment. We find ourselves having shameful thoughts - these are to be rejected, but not before we acknowledge God's grace in knowing we are sinners; we are forgiven for such thoughts.

We do not venture with the devil into condemnation. We can agree with the devil in regard to our sinfulness - and, if we cannot be condemned, we render evil power useless. Without God we are hopeless sinners. It is power to know this. This highlights the magnificence of God's grace never more.

It is overall about coming to a real acceptance of our innate sinfulness - acknowledging and accepting, in Jungian speak, the ongoing presence of 'shadow' in our psyches.

None of this first task goes against the process of discipleship. Indeed, it can be seen as picking up one's cross and following Jesus.

The second task goes against the grain of many men, but strangely it may be easier for homosexual men. We are to embrace our inner femininity. Just as women have masculine (harder) components within their personalities, men too have soft parts within theirs. The key test may be can a man be comfortable within all facets of his sexuality? Can a man be comfortable, also, in simple relatedness - with both himself and others?

Both of these tasks are difficult; they will take us, in some degree, the passage of our lifetimes. Once we accept these tasks the gates of wisdom are opened. And all this is achieved through the processes of age and long self-reflection.

© 2012 S. J. Wickham.

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Productive Audio Streaming - Basic Considerations for Productive Audio Streaming

A desire to excel and attain success in audio streaming would definitely necessitate an appreciation and understanding of the entire subject itself. Clearly, no one can expect to generate wonderful results if one did now know what it is for and how people can benefit from it. So understanding comes into play - and with understanding, one can be well on his or her way to better profits with audio streaming.

Of course, understanding logically begins with acquiring the necessary equipment that is needed for audio streaming. It does not necessarily need to be very expensive, because you can always make do with what is available in the market or borrow equipment from your colleagues - and when you first start making profits then you can already consider purchasing better tools in the future. Keep in mind that a lot of people have a tendency to take short cuts just because they want loopholes around the system. Doing so equates to low quality outputs just so they can save on their money (and by this we mean people who are hesitant to bring out money for initial investment). They forgot to realize that people are looking for quality audio streaming, and this is what is lacking when work is hurriedly done.

It also entails extensive amounts of training using the equipment and your own wits and skills as well. Do not be afraid to tinker around with your equipment and discover the ins and outs of audio streaming - but of course, this comes after a thorough read-through of the entire manual! Productive audio streaming will only take place if you understand the basics and learn to tweak things when you really get to sink your teeth in it. There are also lots of help that you can find in websites that give hot tips on audio streaming. Do yourself a favor and scour the World Wide Web for these treasure troves of information.

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Best Audio Streaming - Audio Streaming - Letting Sounds Make Money for You

Current development in multimedia technology allows both Web-centric and average users to experience and appreciate the wonders that video and audio streaming can do. While videos can eat up a lot of a website's bandwidth and disk space, audios can deliver the same impact that the former has. Audio streaming is very popular nowadays - you see audio clips embedded on MySpace and other social networking profiles and the best thing about it - it's free.

And if you're an entrepreneur and make business over the Net, you might want to try out audio streaming to promote your company and see the growth. You just have to record what you are supposed to write in several web pages. In audio streaming you don't have to worry much about what to write and to how would it fit and some other usual problems you experience in Web content writing. And you don't even have to hire someone just to put up your audio for you - you will only need some scripts and you are off to go.

Not yet convinced? Then here are more reasons on why you should really try it out!

o Just as the same thing that you don't have to fret about the words that you should display in your site, your customers doesn't have to read long pages of explanation on what your business is all about. They'll just click the 'Play' button and hear what you have to say. Also, creating an audio advertisement is way faster than its written counterpart.

o Not a tech geek? Not a problem! Software is available that can assist you in setting up your audio streaming - for a very affordable price and user-friendly environment.

o People will discover and remember faster on what you are talking about than what they are reading about.

Remember, you would want to draw attention to your business to increase your chance of sales. You have to have something that is different and that your competitors lack of. If consumers see that, they will be impressed easily and your effort is not in vain.

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Indoor Outdoor Rugs: Beautiful and Practical Accessories

If you are blessed with living in a pleasant climate, a lot of your time will likely be spent outdoors. This means that your outdoor living area will matter as much to you as the inside of your house.

You will most likely have given careful thought to the décor of your deck, patio and swimming pool area. A beautiful and inviting environment in which you will enjoy relaxing, working, playing, dining and entertaining guests will include attractive garden furniture such as lawn chairs, hammocks, garden swings, day beds, patio table and chairs, and summer seats. You may also have a chiminea, a barbeque pit, a water feature and ornaments. All this enhances the appeal and comfort of your outdoor living space.

Indoor outdoor rugs are an addition to your outdoor décor that you may not have or even have previously considered. These soft yet durable outdoor rugs bring style and design to your deck or patio with their vibrant colors and eye-catching patterns. There is a wide range of sizes, shapes, colours, styles and patterns so you are sure to find something that will complement your existing furniture and decoration.

Looking good

Using outdoor rugs can completely revamp the look of an outdoor area and give it definition. They add color to outdoor furniture that is typically of a more natural or muted tone. If you have solid colored furniture it is a good idea to enliven your outdoor living area with a brightly patterned rug. Bold designs also ensure that it becomes the center of attention. If you already have patterned cushions on your chairs and sofas then a plain or solid colored rug may be a better option. Therefore, it is important to consider the furniture you have outdoors so that the rug you choose will match and set off the outdoor style you have created.

So soft

Apart from using indoor outdoor rugs to enhance the look of your garden area, they also have many practical uses. People love them because they are so soft of your feet, enabling you to move from indoors to outdoors without having to put shoes on. This makes outdoors much more homey and really feel like an extension of the inside of your home. Of course, this makes your deck or patio much more safe and pleasant for children to play on and no doubt your pets will appreciate the added luxury too. Outdoor rugs also create a pleasant ambiance for guests and provide a nice soft carpet for them to move around you as you socialize together.

Protective

As well as adding comfort to otherwise hard surfaces, indoor outdoor rugs also protect surfaces, particularly wooden decking floors, from weather damage, scratches and food or drink stains.

Versatile

Indoor outdoor rugs are extremely versatile so you can place them wherever you want. Because they are durable, many people also use them indoors in areas that are used a lot as they will withstand much more abuse than indoor carpets. Therefore, they are a great solution for utility rooms, garages, children's bedrooms and games rooms.

Combining both aesthetic appeal and practical use, indoor outdoor rugs are a great accessory to your outdoor living area.

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How to Perform Primary Source Verification of Doctors and Medical Staff to Avoid Death Causing Risk

First and on the front lines of the topic, we need to know some facts which can be helpful to evoke us on the serious issue of medical negligence and medical malpractice and they will also help us to understand the importance of primary source verification of our family physicians, doctors or even the hospital medical staff who treats us when we are ill.

Almost 98,000 people die in hospitals annually each year due to preventable medical errors. An interview based survey conducted by the doctors revealed that more than one third of the patients said that they or their family members had experienced medical errors, most leading to serious health consequences. One of the sources also mentioned that in every 10 medical negligence cases 4 people were died, and it's the scariest of all.

As far as the world has developed, the medical advancement is also on the rise but there is a newer pool of diseases had also struck the world in past 3 decades. Many fake medical professionals like doctors, nurses, dentists etc have taken it as an opportunity to fool the innocence of a common man and a patient to make black money, which eventually results in four most common accusations.

1. Failure to diagnose

2. Incorrectly performed procedure

3. Error in diagnosis

4. Failure to perform procedure.

To avoid and restrict these deaths causing accusations a medical employer or even a patient must perform the primary source verification of their doctors and the treating staff.

Doctors and medical staff background check and credentialing through primary source verification methods sound a bit extreme. It is a direct contact with the sources of credentials. For example, this may include, licensing agencies, and specialty boards to guarantee that statements about training, experience and other qualifications are legitimate, unchallenged and appropriate.

Directly contacting a medical school or state medical board to verify education and licensure, respectively, are examples of primary source verification. Primary source verification should be performed on the following core criteria:

1. Professional education, training, Board Certification and experience (e.g. medical school, internship(s), residency(s), board certification)

2. Current Medical licensure

3. Current competence

4. Ability to perform requested privileges (e.g. confirmed health status relative only to a provider's ability to perform the requested privileges).

Professional Qualification, Training and Experience Verification

These elements can be verified by sending letters to each institution individually (professional school, training program, specialty board, etc.). Independent medical background check companies can also be used as their links are very accurate and fast.

Medical License Verification

Primary source verification of licensure status is extremely important. This should always be performed at the time of initial appointment, and at the time of each reappointment and/or re-privileging, and is recommended at the time of license expiration. The following points must be considered while performing PSV:

• Date and time of the license issuance.

• State of licensure, license number, date of original licensure and expiration date

• Name (first and last) of the person initiating the verification call

• Name (first and last) of the person verifying the information

• Are there any current, past, or pending restrictions on the license?

• Are there any current, past, or pending disciplinary actions against the practitioner?

Current Competence verification

This is an element that needs to be assessed by medical employers on the initial appointment and at least every two years thereafter, normally at the time of reappointment/reappraisal. Competency Verification can be sent to the Medical Director or Medical Staff Credentialing office of any hospital that the applicant has been affiliated with in the recent past.

Physical and mental ability to perform requested privileges

Authority must be granted to a physician or dentist by a hospital governing board to provide patient care in the hospital. Clinical privileges are limited by the individual's professional license, experience, and competence.

Conclusion

The primary and the secondary reason for aggressive primary source verification and credentialing of doctors / medical staff is patient's safety!

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How to Prevent Medication Errors

A simple prescription mistake can result in serious injuries. Due to the large number of medications available, as well as their complex effects, doctors can occasionally make errors and cause innocent people pain and suffering. These mistakes are currently the leading form of medical malpractice in America. Victims of this negligence may be able to pursue lawsuits against the responsible parties. These cases will often times end in compensation for the victim.

Causes of Medication Errors

In order to prevent medication injuries, it is important to learn about the common mistakes medical professionals make in the pharmaceutical field. Doctors are notorious for having poor handwriting. Poor handwriting can lead to a pharmacist misreading the prescription and filing it incorrectly or with the wrong dosage. Simple negligence in matching medications to the bottle can also endanger someone's life. Taking the wrong medication can be deadly, especially if a person has a drug allergy. A medical professional that fails to carefully read a patient's medical history can cause serious injury. Both doctors and pharmacists should be aware of all possible interactions and side effects that may endanger the health of a patient.

Protecting Yourself From Injuries

Even though your doctor is responsible for prescribing medicines safely, a patient's actions may be able to ward off some serious injuries. Important steps to take include:

Informing you doctor of all allergies Bringing current prescriptions to doctors Memorizing your medications and their dosages and checking this information against the pills you are given Researching the of side effects of medications you are prescribed

This form of medical malpractice can be absolutely devastating. Luckily, in many cases, mistakes can be caught before they cause serious harm.

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Starting Your Career As a Medical Negligence Lawyer

There is certainly a law exist for those who fell victims of medical negligence in one way or another. It is the right of every patient to get professional medical treatment and appropriate medication on behalf of the medical staff, but often patients are not treated as they should be by the medical attendants or staff and patients' condition further deteriorate due to negligence and other medical mistakes.

A medical negligence lawyer specializes in dealing with the cases of such medical negligence and offer legal advice and guidance regarding the legal options available to the clients to bring the medical staff and management to the court of law. A medical negligence lawyer not only has a good legal knowledge but also medical knowledge. He also has good communication skills as he often has to talk with the friends, family and medical staff to note down their statements.

1. The very first step involve in becoming a lawyer is to earn your Bachelor's degree. You will not be able to apply in law school unless you earn your four years undergraduate degree.

2. After getting an undergraduate degree, you need to take a LSAT test. LSAT test is designed to test your reasoning, verbal and analytical skills. Normally, you need to do extremely good in LSAT test in order to take admission in a top law school. You can get information about the test and preparation material on the website of LSAC, i.e. http://www.lsac.org/.

3. Different law schools have different admission criteria. Most prestigious law schools required good academic record, work experience and so on. So, you have to evaluate yourself first and apply in the law schools accordingly. Never aim too high with average educational background and average LSAT score. Aim at getting into a law school and you can make the difference with your over all hard work.

4. Studying law is never been easy. You have to spend a lot of work in reading, studying cases and spending time in the library. Your hard work and independent studies is the only a key to pass the exams with good grades. Also gain some independent knowledge about the medical malpractice law during your law school.

5. Being a medical negligence lawyer, you need to have a reasonable of knowledge of the legal as well as medical aspects of the cases. For this, you may need to learn about medical terminologies and other medical aspects. You can read medical journals and take help from internet to gain some knowledge.

6. Once you have your Juris Doctor degree, you should gather some information about the bar exam which is necessary to pass in order to start law practice as a medical negligence lawyer. It is better to take your time in preparing for the exam as many lawyers find it hard to pass.

7. After clearing the bar exam, advertise yourself. Talk to American Bar Association and ask them to include your name in its online database as medical negligence lawyer.

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Helpful HIPAA Information To Guide You

Due to liability issues within healthcare systems protecting the patient's security has become very important over the last decade. It is imperative that healthcare providers ensure that their employees are familiar with the Health Insurance Portability and Accountability Act (HIPAA) guidelines. If healthcare employees are familiar with HIPAA guidelines they can save the employer from violating a person's privacy. HIPAA violations may occur just from an employee not having the education concerning HIPAA. For this reason alone healthcare providers always ensure that their employees are well aware of the rules and regulations that were set forth in this act. There are different levels of HIPAA certification that can also help you better understand these principles.

3 Facts About HIPAA

1. There are different levels of HIPAA certifications. Some of the different certifications are Certified HIPAA Associate, Certified HIPAA Professional, Certified HIPAA Security Specialist, HIPAA certification for mental health and so on. As you can see different certifications are made to fit different professions. Regardless of the position familiarizing yourself and becoming certified is crucial. You want to make sure that you protect your employer and your patient at all times.

2. If you are searching for a position in healthcare you need to ensure that you are certified. Most institutions offer training for this certification. A good benefit from using online training is that your training is done virtually and certificates can be printed as soon as you complete the exam. The training material will prepare you well as it covers the material that you will be expected to pass on the exam. The goal of these certifications is to provide employees with a better understanding of a patients security rights and what can happen if these rights are violated.

3. As a healthcare provider and have employees to certify, online training is the way to go. Internet has made this process very simple which benefits the employer tremendously. In today's time all you have to do is sign up online and create an account. This will allow healthcare providers to train their employees as efficiently as possible. The training usually takes 30-90 minutes, which includes a power point presentation of about 110 slides that covers the material on the exam. After you complete the exam the certificate can be printed.

After researching you will see that there are many different ways to achieve your HIPAA certification. The main thing to keep in mind is that you want to find a training course that is convenient for you. You will find that online training is a way for you to complete the training at your own pace. Usually the online training course will take you about 1-2 hours. You will be able to complete this entire process online. The program is set up for you to view power points that cover all of the main topics associated with the HIPAA rules and regulations. After you finish viewing the material you will then be required to pass an online exam. After you pass your online exam you will actually be able to print your certificate immediately. Just think you will be able to achieve you HIPAA certification just by spending a couple of hours online and passing an exam. It doesn't get much more convenient than that!

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Wrong Patient Surgeries

Hospitals operate on a complex rotation of doctors, nurses, and administrators who each take care of multiple patients. If an error is made in treatment, it can result in any number of consequences, but one of the most devastating scenarios is performing the wrong procedure on a patient. If one of these errors happens to you or a loved one, it is important to be informed about the causes for such an event and your legal rights as the victim.

Wrong patient surgeries often occur when there is a problem with communication. The medical team is in and out of hospital rooms each day handling patients and their ailments. Even the smallest miscommunication can lead to mistakes on a much larger scale. The victim of this sort of error can experience a number of complications including the cost of fixing the initial problem, and any difficulties that may arise from the unnecessary surgery that was performed. There is also the risk of infection or injury because of a surgical procedure, and the time spent on the incorrect procedure may further the illness or ailment that originally required attention.

Aside from the physical consequences to a wrong patient error, there is a high level of emotional trauma endured by the patient. Even the most routine surgeries have risks, and undergoing the stress of a procedure and its recovery can be difficult for patients. Wrong patient procedures are emotionally and physically trying for patients and if this sort of medical malpractice happens to you, there are steps you can take to pursue compensation.

If you or a loved one has been the victim of a wrong patient surgery, contact the Kankakee surgical errors attorneys of Spiros Law, P.C., to discuss your options for financial restitution.

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Medical Negligence Cases - Why Do They Take So Long?

This week in Northern Ireland the Department of Health has announced that it will be reviewing any medical negligence cases that have been going on for more than 15 years. You would think that the number would be relatively few. In fact it is more than 50 cases.

Though a case taking this long causes both the victim and professionals involved a huge amount of stress and anxiety, what is more worrying is that some cases simply never get resolved. One case in Northern Ireland has recently been closed without a settlement being agreed. It lasted nearly 30 years.

So why do these cases take so long? Why can't they be resolved? To understand it you need to look at how medical negligence cases differ from normal compensation claims. The main reason for medical negligence cases taking so long is the complex nature of the medical profession. If someone makes an accident at work claim against their employer for being negligent, then the process is fairly straightforward. Usually, simply asking the opinion of a number of witnesses a court is able to decide who caused the accident. It is easy to decide whether the appropriate safety measures were taken or whether more could have been done. For this reason accident at work claims are often resolved relatively quickly. In comparison, gathering evidence for medical negligence cases is a lot more complicated.

A medical negligence case is not simply a case of you accusing a doctor of negligence. It has to be proven. Negligence can take any number of different forms. The most common types are misdiagnosis or symptoms being missed. In both these cases there needs to be clear evidence of the missed symptoms and that they were there for the doctors to see at the time. Proving something like this can be very difficult. In order to prove something like this an advanced understanding of the medical profession is required. Sometimes it doesn't matter how many expert witnesses or how many members of medical staff you speak to, proving that negligence took place is sometimes impossible.

Medical negligence cases are often the most complicated type of compensation case. This is nearly always down to the complexity of the work that doctors do on a daily basis. That said, when things do go wrong, the effects can be disastrous. If you genuinely feel that you have suffered due to negligence then it is imperative that you find a highly specialised medical negligence solicitor to give you advice. If your solicitor decides that your case is worth pursuing, then having an expert on board will make the whole process a lot easier and, hopefully, quicker.

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Delayed Heart Attack Diagnosis

A doctor has a few major duties to his or her patients. In particular, providing a correct diagnosis before unnecessary complications occur should be considered a priority for all physicians. This can prove to be a serious issue depending on the health concern at hand, and specifically can be life-threatening in cases of slow heart attack diagnoses. Aside from the cardiac and neurological, there are few systems in the human body that need such immediate and emergency care if they are damaged.

Considering that many patients can recognize the signs of a heart attack if symptoms are visible, it should be expected that physicians are not only capable of recognizing the top killer in America, but they should have immediate concerns if any potential symptoms are present. The Centers for Disease Control and Prevention cite that over 600,000 Americans died in 2007 due to heart disease, in which heart attack can easily play a role as the final fatal cause.

If a doctor is not quick to diagnose this problem, the deterioration of health can progress rapidly until the major functions of the heart are too damaged to be effectively repaired. A heart attack is defined as the failure of blood flow into certain areas of the heart. This throws off the circulatory system, causing cells to die in the heart. Without proper blood or air circulation, the muscle of the heart withers away, causing a failure in the circulatory system that can lead to death.

Diagnosis of a heart attack requires physicians to note symptoms, patient history, and readings from an electrocardiogram and blood tests. If symptoms such as chest pain are not only present, but link directly to a family history of heart disease or a personal history of obesity, smoking, or high stress, doctors have more than probable cause to test for heart cell damage.

To learn more about a patient's right to a prompt diagnosis in times of crisis, contact a medical malpractice attorney.

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Boat Insurance: Best Choices in Boat Owners Insurance

If new to owning a boat, you might be hoping that an existing homeowner's insurance plan will feature an extension for boat coverage. Sadly, this is not the case in most instances. A minimal amount of coverage might exist for small-sized boats, often the paddle powered boats with no engine, a very small dinghy or sailboat for instance. In most cases, taking out a specialized boat owner's insurance plan is a necessity to guarantee the right level of protection is in place for all-risks at sea, on the road, or on moorings.

Boat insurance (also referred to as marine insurance) covers a wide variety of watercrafts, such as the Jon boats, ski boats, center consoles, pontoon boats, houseboats, bass boats, deck boats, cruisers, and personal watercraft (PWC). Boat coverage includes physical damage to a vessel should it strike another object or run aground, damage to a third parties property - inflicting damage on other boats or dock structures for instance, as well as body injury to passengers on board or elsewhere.

An all-risks or comprehensive insurance plan offers the highest level of coverage, with such benefits as fire, theft, and vandalism protection. Cover for items of a personal nature, such as fishing gear or similar items used most in conjunction with the boat, protection against un-insured boaters, and even marine assistance for those occasions where a tow back to 'home' moorings is required.

One important factor to note with marine insurance policies is the method claims are dealt with in the event of loss. A preferred choice is those policies written with an 'agreed value' statement - this means that the insurable values are agreed at the time of the initial quotation. If unfortunate to suffer a total loss, the agreed value, as noted on the insurance schedule, is the amount paid out for a claim. Other options include the 'actual cash value' policies, and for those insurance schemes, claims are calculated on the market value of craft at the time of the incident, which can make a huge difference in claim payouts.

Also, make certain that the policy offers the flexibility to adjust the insurance as and when required. Flexible navigational limits are often desired, a cruising range often includes local coastal and inland waters, with the option to extend the navigation limits for a one-off trip. Also, look for such features as a reduced deductible for the small-itemized items, such as the tender dinghy, outboard motor, electronics, life raft, road trailer, etc. The ability to extend the insurance for occasion charters or racing events might also be desirable.

It is possible to purchase an all-risks or liability only plan from a variety of general or specialized insurance companies, with the extent of coverage, premiums, and benefits varying greatly with each provider, so be certain to shop around to find the most beneficial coverage to suit a boat owners personal circumstances.

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Boat Insurance - Do I Need It?

Coverage of a watercraft can range from total replacement of the vessel if destroyed, to personal liability coverage, and everything in between. When deciding on what policy is right for you, consider what your needs and risks are, and how much you are willing to spend to protect them.

Full coverage boat insurance is the safest route for the boat owner who wants to insure his valuable property. With full coverage the boat owner can opt to ensure the cost of replacing the vessel if it is totally destroyed. Coverage can also include damages to either the boats structure, or engine. Coverage for loss or damage to personal property while on the vessel may also be included. Other options can include injury protection, salvage or wreck removal, loss of use reimbursement, towing costs, and even investigative services.

Liability insurance covers you in the case of accident responsibility. Generally a boat owner can choose either boat liability, also known as indemnity insurance, which will cover only damages done by the vessel, or personal liability, which will cover damages done by the boat owner, regardless of where or how they occur.

While liability insurance is generally the least expensive, it is important to remember that it will only cover the cost of damages/repairs to third parties. Your own property is not covered under liability insurance. In this way, even though liability insurance often appears to be the most inexpensive option for the boat owner, if the vessel were to be destroyed, the cost of replacement would far out weigh the savings on premiums.

Here is a 1 - 800 number that will get you directly to an Allstate Insurance backline to get information on any type of insurance. This is kind of like a secret number. (1-877-654-2183) Good Luck. You can also use this number to locate an agent or report an accident.

Boat Insurance   Boat Insurance   Boat Insurance 101   The Benefits Of Having More Than One Boat Insurance Quote   Boat Insurance Coverage   Why You Need Motorboat Insurance