The Vaping Risk - Clearing the Air
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The use of electronic cigarettes has remained both popular and controversial, with some believing that e-cigarettes are a relatively safe and non-toxic alternative to tobacco, while others believe that they can have a direct and harmful effect to the smokers, and the ones around them.
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Secondhand smoke exposure is still common in the United States, with over 58 million nonsmokers exposed despite declining smoking rates and smokefree laws. Young children and African Americans face higher exposure rates. Secondhand smoke contains dangerous chemicals and causes heart disease, lung cancer, and other illnesses in nonsmokers. Making indoor spaces completely smokefree is the only way to fully protect from secondhand smoke exposure. Communities can pass laws restricting indoor smoking and in multi-unit housing to improve protection of nonsmokers.
Ctfk me benefits and savings from declines 2 22-13
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When does a Long-Term Care (LTC) Insurance policy start to pay for care?
Every Long-Term Care (LTC) insurance policy differs when it comes to what triggers benefits. In general, a long-term care insurance policy begins to pay benefits when someone suffers from cognitive impairment and/or is unable to perform two of the six activities of daily living.
Read our presentation to know more.
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To fill the gaps in healthcare needs, most Canadians pay for certain health care services through their employer, a private health insurance plan, or even out-of-pocket. Having this added health insurance provides a safety net during times of illness, injury, or accident. Not to mention, it saves you money when you need new glasses or a root canal.
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Diseases that can leave a patient’s body permanently or semi-permanently damaged compelling them to be financially, emotionally, and physically dependent for the rest of their lives fall under critical illness.
Because the risk of getting ill can never be eliminated completely, it’s important that we take precautions so that you’re able to make the financial choices required to make a difference when needed most.
Read our presentation to know the things to consider before signing up for a critical illness insurance.
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Let's talk about Life Insurance.
Talk to our Trust Life Insurance brokers to know your options. Zero fees and zero obligations!
What does it mean to protect your family?
In life insurance, you insure yourself to protect your loved ones. It's as if by putting on a helmet yourself, your child would be safe if he or she fell off the bike. It sounds illogical and yet it's not only true but it's very effective!
You probably guessed it, but your life insurance will pay a death benefit when you're gone. So you'll never really benefit from it. Instead, your spouse, children, parents or loved ones will be the real people protected by your life insurance. Since they would be the people most affected by your death, they are the ones you really protect by taking out your insurance.
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Planning for retirement can be a daunting task, but starting early, recruiting the right help, and checking the boxes one at a time makes your goals more manageable.
Talk to a Trust Life advisor today!
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Retirement opens up a seemingly limitless world of possibilities. But all those choices can be a bit intimidating. The good news is with a bit of care, forethought and preparation, you can not only plot out a successful, fulfilling retirement, but also ensure you’ll have the funds on hand to pay for it.
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Things to know about No Medical Life Insurance
No medical life insurance is a type of life insurance that does not require medical tests. Some plans go even further and do not even require a medical questionnaire.
This is an ideal type of insurance for those who would not be approved for traditional (also called standard) life insurance that comes with medical tests and a questionnaire to complete.
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Life insurance coverage can be a bit hard to navigate when you are first looking for coverage. Here are a few tips to keep in mind to make the most of your policy.
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After months of planning, your arrival to Canada will soon be a reality. Before landing, you want to ensure you’ve thought of everything to help you have the journey you imagined.
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Have you opened a RESP?
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RESP funds can be invested in countless ways and if they are spent on higher-education related tuition or expenses, no investment gains in the account will be subject to income taxes.
Here's why you should open a RESP if you haven't already.
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Canada’s universal public health care system may have factored in to your decision to immigrate to Canada, but although public health care is one of Canada’s top selling features, it may come as a surprise that newcomers aren’t immediately eligible for coverage. Here’s what you need to know about Canadian health care before visiting Canada.
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Maybe you’re buying your first home, getting married, or having kids. Or perhaps you’re navigating all three of those massive moves and starting a business. Whatever you’re going through as a 30-something, chances are there’s one thing you may not be thinking of: life insurance. Do not make that mistake. Here's why our Trust Life advisors think you need Life Insurance in your 30s.
Is Final Expense Insurance a good deal?
When it comes to ensuring financial peace of mind for your family, final expense life insurance is a way to cover funeral costs or other expenses for older adults who no longer need a traditional life insurance policy. Those bills can get pretty big, with the average funeral costing roughly $10,000. That can be a lot for a family to deal with, especially while grieving your loss, which is why final expense insurance is a good option.
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We know how exciting retirement can be after years of hard work. So have you considered how you are going to spend your “me time?" How long you’ll live is an important factor that impacts how long your money needs to last. Canadians are living longer than before, which means you’ll likely need more to support your retirement dreams.
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Most of us understand "insurance” to be that stuff that you had to have for your car, your home, and your health. The “life” part was a big, blurry blob of “other.”
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Why own life insurance even when your kids are financially independent
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Basics of Electrocardiogram
CONTENTS
●Conduction System of the Heart
●What is ECG or EKG?
●ECG Leads
●Normal waves of ECG.
●Dimensions of ECG.
● Abnormalities of ECG
CONDUCTION SYSTEM OF THE HEART
ECG:
●ECG is a graphic record of the electrical activity of the heart.
●Electrical activity precedes the mechanical activity of the heart.
●Electrical activity has two phases:
Depolarization- contraction of muscle
Repolarization- relaxation of muscle
ECG Leads:
●6 Chest leads
●6 Limb leads
1. Bipolar Limb Leads:
Lead 1- Between right arm(-ve) and left arm(+ve)
Lead 2- Between right arm(-ve) and left leg(+ve)
Lead 3- Between left arm(-ve)
and left leg(+ve)
2. Augmented unipolar Limb Leads:
AvR- Right arm
AvL- Left arm
AvF- Left leg
3.Chest Leads:
V1 : Over 4th intercostal
space near right sternal margin
V2: Over 4th intercostal space near left sternal margin
V3:In between V2 and V4
V4:Over left 5th intercostal space on the mid
clavicular line
V5:Over left 5th intercostal space on the anterior
axillary line
V6:Over left 5th intercostal space on the mid
axillary line.
Normal ECG:
Waves of ECG:
P Wave
•P Wave is a positive wave and the first wave in ECG.
•It is also called as atrial complex.
Cause: Atrial depolarisation
Duration: 0.1 sec
QRS Complex:
•QRS’ complex is also called the initial ventricular complex.
•‘Q’ wave is a small negative wave. It is continued as the tall ‘R’ wave, which is a positive wave.
‘R’ wave is followed by a small negative wave, the ‘S’ wave.
Cause:Ventricular depolarization and atrial repolarization
Duration: 0.08- 0.10 sec
T Wave:
•‘T’ wave is the final ventricular complex and is a positive wave.
Cause:Ventricular repolarization Duration: 0.2 sec
Intervals and Segments of ECG:
P-R Interval:
•‘P-R’ interval is the interval
between the onset of ‘P’wave and onset of ‘Q’ wave.
•‘P-R’ interval cause atrial depolarization and conduction of impulses through AV node.
Duration:0.18 (0.12 to 0.2) sec
Q-T Interval:
•‘Q-T’ interval is the interval between the onset of ‘Q’
wave and the end of ‘T’ wave.
•‘Q-T’ interval indicates the ventricular depolarization
and ventricular repolarization,
i.e. it signifies the
electrical activity in ventricles.
Duration:0.4-0.42sec
S-T Segment:
•‘S-T’ segment is the time interval between the end of ‘S’ wave and the onset of ‘T’ wave.
Duration: 0.08 sec
R-R Interval:
•‘R-R’ interval is the time interval between two consecutive ‘R’ waves.
•It signifies the duration of one cardiac cycle.
Duration: 0.8 sec
Dimension of ECG:
How to find heart rhytm of the heart?
Regular rhytm:
Irregular rhytm:
More than or less than 4
How to find heart rate using ECG?
If heart Rhytm is Regular :
Heart rate =
300/No.of large b/w 2 QRS complex
= 300/4
=75 beats/mins
How to find heart rate using ECG?
If heart Rhytm is irregular:
Heart rate = 10×No.of QRS complex in 6 sec 5large box = 1sec
5×6=30
10×7 = 70 Beats/min
Abnormalities of ECG:
Cardiac Arrythmias:
1.Tachycardia
Heart Rate more than 100 beats/min
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How to effectively start market research in the health tech industry by defining objectives, crafting problem statements, selecting methods, identifying data collection sources, and setting clear timelines. This guide covers all the preliminary steps needed to lay a strong foundation for your research.
"Market Research it too text-booky, I am in the market for a decade, I am living research book" this is what the founder I met on the event claimed, few of my colleagues rolled their eyes. Its true that one cannot over look the real life experience, but one cannot out beat structured gold mine of market research.
Many 0 to 1 startup founders often overlook market research, but this critical step can make or break a venture, especially in health tech.
But Why do they skip it?
Limited resources—time, money, and manpower—are common culprits.
"In fact, a survey by CB Insights found that 42% of startups fail due to no market need, which is like building a spaceship to Mars only to realise you forgot the fuel."
Sudharsan Srinivasan
Operational Partner Pitchworks VC Studio
Overconfidence in their product’s success leads founders to assume it will naturally find its market, especially in health tech where patient needs, entire system issues and regulatory requirements are as complex as trying to perform brain surgery with a butter knife. Additionally, the pressure to launch quickly and the belief in their own intuition further contribute to this oversight. Yet, thorough market research in health tech could be the key to transforming a startup's vision into a life-saving reality, instead of a medical mishap waiting to happen.
Example of Market Research working
Innovaccer, founded by Abhinav Shashank in 2014, focuses on improving healthcare delivery through data-driven insights and interoperability solutions. Before launching their platform, Innovaccer conducted extensive market research to understand the challenges faced by healthcare organizations and the potential for innovation in healthcare IT.
Identifying Pain Points: Innovaccer surveyed healthcare providers to understand their difficulties with data integration, care coordination, and patient engagement. They found widespread frustration with siloed systems and inefficient workflows.
Competitive Analysis: Analyzed competitors offering similar solutions in healthcare analytics and interoperability. Identified gaps in comprehensive data aggregation, real-time analytics, and actionable insights.
Regulatory Compliance: Ensured their platform complied with HIPAA and other healthcare data privacy regulations. This compliance was crucial to gaining trust from healthcare providers wary of data security issues.
Customer Validation: Conducted pilot programs with several healthcare organizations to validate the platform's effectiveness in improving care outcomes and operational efficiency. Gathered feedback to refine features and user interface.
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The Vaping Risk - Clearing the Air
- 1. The Vaping Risk - Clearing The Air
- 2. Introduction The use of electronic cigarettes has remained both popular and controversial, with some believing that e-cigarettes are a relatively safe and non-toxic alternative to tobacco, while others believe that they can have a direct and harmful effect to the smokers, and the ones around them.
- 3. Despite debate, e-cigarettes have become quite popular.
- 4. The Booming Business of E-Cigarettes In Canada, where the government legalized e-cigarettes in 2018, user rates are on the rise, and vaping has become most popular among current and former cigarette smokers. This popularity has translated into a booming business and the biggest of the e-cigarette manufacturers, the American company Juul, reported sales of over $1 billion in 2018, up from $200 million in 2017.
- 5. So, What's The Fuss? There is the issue of health and safety; Health Canada seized 60,000 non-compliant vaping products between July and October of 2019. There is also the problem of the promotion and normalization of nicotine-based e-cigarettes to youth.
- 6. The Partial Vape Ban In The US
- 7. In an effort to control the vaping epidemic among teens, there is currently a partial vape ban in the U.S. on certain flavors of pre-filled pods. Flavored pods, especially mint , have been consumed by teenagers at an alarming rate.
- 8. New and frightening concerns emerged in 2019 when several people in North America died and more than 2000 people sustained respiratory injuries related to vaping. Many of the instances were also connected to non-regulated products that may have contained toxins such as pesticides or other harmful chemicals like Vitamin-E acetate. The Concerns
- 9. The truth is that there are currently no direct links between vaping and illness; but this may be due to the novelty of the e-cigarette. Today, the consensus within insurance underwriting is that the risk premium for vaping is on par with that for cigarette smoking, but of course, this can change with time and additional knowledge. So, Are There Any Real Risks?
- 10. [1] Reuters, Juul annual sales projected to top $billion after profitable 2018, Feb.22, 2019. [2] Globe and Mail, It’s time to treat e-cigarettes like cigarettes, Editorial, Nov 17, 2019 [3] Edwards, Erika. NBC News. Teens who vape prefer minty flavors. November 5, 2019. References Created By www.trustlife.ca