Life insurance as an asset and health insurance tool

I cannot leave a big house for my children and my grandchildren, so I bought a life insurance that they can use as down payment to buy their own house should the good Lord calls me. Life insurance is an asset with a value that is worth it. If I have health issues such that I cannot perform 2 out of 6 ADLs (assistance in daily living), I can count on my life insurance with living benefits to be able to access about 80% of the death benefit during a chronic, critical or terminal illness. I could not afford a long term care insurance but I can with an index universal life insurance from Mutual of Omaha, Transamerica and 3 more carriers.

When you think you are ready to have peace of mind should you need to access some of the benefits of the many kinds of life insurance that is available, contact Connie Dello Buono, CA Life 0G60621 at 408-854-1883 , connie@connielifeins.com

http://www.lifeinsurance4women.com

Now is the time to make sure you’re prepared when illness strikes at 50, 60 or 70

Life insurance now covers accidents , lost income, disability, critical illness, chronic illness, terminal illness, long term care and access to your death benefit during illness.

Make your life insurance be your health insurance tool.

Life insurance is leaving a legacy that is worth more than a house

Let your life insurance be an important asset to pay for your home loan balance and assets (education, lifetime retirement income)Link Life insurance as a legacy and an asset worth every penny.

Motherhood , healing , signs and symptoms and aging

What are important body signals that can be problematic 20 years from now?

Senses

Sense of smell and taste can predict neurodegenerative health issues. I do not want to use disease since health issues can still be prevented if we are proactive. With health knowledge now readily available in the internet, we can have an idea of what is happening to our bodies. There is Quora.com where I answered topics I read and simplified and experienced some of them as I work as a caregiver, apprentice midwife and pharmacy technician instructor.

Fungus on our feet

When I work as a caregiver for a hospice client who is dying of cancer, I inspect for fungus on the feet since this tells me the life story of the body’s health struggles. Molds, virus, fungus and other parasites/bacteria can destroy our cells disturbing the balance, robs us of our nutrients and invades our healthy cells.  Thanks to antibiotics and other medicines, we can prevent proliferation of these microbes and invading organisms.

Bad breath

Lack of zinc and other nutrients in our diet can cause bad breath.

Sweats

Excessive sweating can mean away from normal and must signal that our bodies are slow in responding to our signals or our nervous and endocrine system have health issues that need to be addressed early with proper nutrition and lifestyle changes.

Depression, mood swings, irritability anxiety or negative spirit or behavior issues

Stress and trauma at birth and during childhood and adulthood can affect our brain as shown in our behavior and thought patterns.  I believe in nurture and the influence of our environment in creating a healthy brain. Hugs and kisses can have a positive effect in balancing our endocrine and nervous system.

Dental issues

Most seniors in care homes who have lived past 95 years of age have complete teeth. Cavities and gum disease can affect our health especially our heart or vascular health.

Metal fillings with mercury are toxic and best to replace them with healthy fillings. You can tell effects of metal toxicity from the curvature or ridges on sides of our tongue. Cilantro and other detox ways can help eliminate metal toxins from our bodies.

Skin itchiness, rashes, sensitivities, temperature and abnormal growth – a liver issue

Constipation, indigestion or bloating – digestive health issue

Gets sick easy – poor immune system

Allergies – poor immune system

Headaches or migraines – brain , heart, digestive and immune system

Sensitive to drugs, medications, alcohol and other food sensitivities – liver and poor immune system

 

Email motherhealth@gmail.com for the correct title that best describes the ebook with major contents:

Contents
From mind to disease free
Healing and nervous system
Signs from our bodies
Nutrition and herbs
Homebirth with midwives
Topics answered by Connie at Quora
Top posts at Connie’s http://www.clubalthea.com blog

For 160 pages of health topics answered by Connie at quora.com, download the pdf below:

healing motherhood and aging

Root causes of chronic illness

During the last 20 years, your body is exposed to inflammation such as over consumption of sugar, stress and trauma, gut bacteria/parasites/fungus/virus, lack of sleep and other chronic disease which can be prevented before it becomes Type 2 diabetes, depression, hypertension and even cancer.

  1. As we age , we are 10k times more prone to attacks from parasites and cancer.
  2. If we don’t get our 8 hour night time sleep, we are slowly breaking down the barriers in our cell mucosa making it possible for unhealthy microbes to travel to other sites from liver to blood and then brain.
  3. It takes cancer to overpower our cells at least 20 years.
  4. Know signs, detox your body starting with your liver and use whole foods such as apples with 100 million healthy bacteria to help fight invading pathogens. Do avoid these environmental toxins feeding on weakened cells invaded by parasites, fungus and virus.

 

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Why Social Isolation Can Bring A Greater Risk of Illness

Summary: Social isolation has previously been linked to shorter life spans and a wide range of health problems in humans. A new study reveals social isolation leads to sleep loss, which, in turn, leads to cellular stress.

Source: University of Pennsylvania.

Penn study found that isolating animals leads to sleep loss, eventually cell stress.

Social isolation has been linked to a wide range of health problems, as well as a shorter lifespan in humans and other animals. In fact, during a U.S. Senate hearing on aging issues this spring, a representative for the Gerontological Society of America urged lawmakers to support programs that help older adults stay connected to their communities, stating that social isolation is a “silent killer that places people at higher risk for a variety of poor health outcomes.”

Now, researchers at the Perelman School of Medicine at the University of Pennsylvania have found a possible explanation for this association. The team observed that in the fruit fly Drosophila melanogaster, social isolation leads to sleep loss, which in turn leads to cellular stress and the activation of a defense mechanism called the unfolded protein response (UPR). Their findings are published online in the journal SLEEP this month. The UPR is found in virtually all animal species. Although its short-term activation helps protect cells from stress, chronic activation can harm cells. Long-term, harmful activation of the UPR is suspected as a contributor to the aging process and to specific age-related diseases such as Alzheimer’s and diabetes.

Studies also have shown that social isolation is a growing problem in developed countries. In the United States, for example, about half of people older than 85 live alone, and decreased mobility or ability to drive may cut opportunities for other socialization.

“A lot of elderly people live alone, and so we suspect that stresses from the combination of aging and social isolation creates a double-whammy at the cellular and molecular level,” said senior author Nirinjini Naidoo, PhD, a research associate professor of Sleep Medicine. “If you have an age-related disruption of the UPR response, compounded by sleep disturbances, and then you add social isolation, that may be a very unhealthy cocktail.”

This line of research stemmed from a surprise finding by the new study’s first author, Marishka K. Brown, PhD, who was then a postdoctoral researcher at Penn. She is now Program Director of the National Center on Sleep Disorders Research at the National Heart, Lung, and Blood Institute (NHLBI). While evaluating the effects of aging on the UPR in fruit flies, she noticed that molecular markers of UPR activation were at higher levels in flies kept singly in vials, compared to same-aged flies kept in groups.

“Ultimately, she realized that keeping animals isolated induces a cellular stress response and a higher level of UPR activation,” Naidoo said. Markers of UPR activation include the protein BiP, a molecular “chaperone” that helps ensure proper protein folding within cells. Proteins, after being synthesized as simple chains of amino acids, are meant to fold into functional shapes, which are often highly complex. This delicate process is easily disturbed when cells are under stress and can lead to the harmful, runaway clumping of unfolded or misfolded proteins.

As its name suggests, the UPR is supposed to protect against this cellular catastrophe. But when it fails to work efficiently to restore proper protein-folding conditions, and stays activated, it can trigger harmful inflammation, suppress normal, healthy cellular activity, and ultimately force the death of the cell. Scientists have found evidence that this inefficient, chronic response becomes more likely with aging. “When animals get older, you start to see a more maladaptive UPR,” Naidoo said.

Why does social isolation trigger the UPR? Naidoo and others have shown in prior studies that sleep loss induces the UPR in multiple animal species. Other studies have shown that social isolation induces sleep loss, again in multiple species, including humans. When Brown forced the isolated flies to sleep more, for example by giving them the sleep drug Ambien (zolpidem), their levels of UPR markers dropped to those seen in grouped flies. Conversely, when she caused sleep loss in otherwise healthy grouped flies, their levels of UPR markers rose towards the levels seen in socially isolated flies.

Image shows a person running.

“When you keep animals isolated, it basically induces a disturbance of sleep, which then gives rise to a cellular stress that in turn triggers the UPR,” Naidoo said.

Naidoo and her colleagues are continuing to study the connections among aging, sleep loss, the UPR, and age-related diseases such as Alzheimer’s. “Aging itself seems to make the UPR more defective, but we suspect this is worsened by the fact that aging also tends to cause more fragmented sleep,” Naidoo said.

ABOUT THIS NEUROSCIENCE RESEARCH ARTICLE

The other co-author of the study was Ewa Strus, also from Penn.

Funding: Support was provided by the NHLBI (T32 HL07713) and the National Institute on Aging (P01 AG17628).

Source: Karen Kreeger – University of Pennsylvania
Image Source: NeuroscienceNews.com image is credited to Michael Paolini & Sarah Ly. Adpated from Colwell (2007) Nature Neuroscience.
Original Research: Abstract for “Reduced Sleep During Social Isolation Leads to Cellular Stress and Induction of the Unfolded Protein Response ” by Marishka K. Brown, PhD, Ewa Strus, MS, and Nirinjini Naidoo, PhD in Sleep. Published online May 25 2017 doi:10.1093/sleep/zsx095

CITE THIS NEUROSCIENCENEWS.COM ARTICLE
University of Pennsylvania “Why Social Isolation Can Bring A Greater Risk of Illness.” NeuroscienceNews. NeuroscienceNews, 26 June 2017.
<http://neurosciencenews.com/social-isolation-illness-6983/&gt;.

Abstract

Reduced Sleep During Social Isolation Leads to Cellular Stress and Induction of the Unfolded Protein Response

Study Objectives:
Social isolation has a multitude of negative consequences on human health including the ability to endure challenges to the immune system, sleep amount and efficiency, and general morbidity and mortality. These adverse health outcomes are conserved in other social species. In the fruit fly Drosophila melanogaster, social isolation leads to increased aggression, impaired memory, and reduced amounts of daytime sleep. There is a correlation between molecules affected by social isolation and those implicated in sleep in Drosophila. We previously demonstrated that acute sleep loss in flies and mice induced the unfolded protein response (UPR), an adaptive signaling pathway. One mechanism indicating UPR upregulation is elevated levels of the endoplasmic reticular chaperone BiP/GRP78. We previously showed that BiP overexpression in Drosophila led to increased sleep rebound. Increased rebound sleep has also been demonstrated in socially isolated (SI) flies.

Methods:
D. melanogaster were used to study the effect of social isolation on cellular stress.

Results:

SI flies displayed an increase in UPR markers; there were higher BiP levels, increased phosphorylation of the translation initiation factor eIF2α, and increased splicing of xbp1. These are all indicators of UPR activation. In addition, the effects of isolation on the UPR were reversible; pharmacologically and genetically altering sleep in the flies modulated the UPR.

Conclusions:

The reduction in sleep observed in SI flies is a cellular stressor that results in UPR induction.

“Reduced Sleep During Social Isolation Leads to Cellular Stress and Induction of the Unfolded Protein Response ” by Marishka K. Brown, PhD, Ewa Strus, MS, and Nirinjini Naidoo, PhD in Sleep. Published online May 25 2017 doi:10.1093/sleep/zsx095