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In the News.
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Identity
Theft
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Preventive
Care Recommended Guidelines
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Protect
Your Love Ones with Term Life
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NEWSLETTER 4
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Identity
Theft
Today,
all a thief needs is your name and address to take your most precious
possession... your identity.
Whether a thief hacks into your computer, rifles through your
trash, or breaks into a credit card company’s mainframe, identity
theft does occur.
Identity theft is the
fastest growing crime because it is one of the most simple to get away
with and one of the toughest to stop. It is estimated that it would
take an average of 160 hours to clean up the mess left by having your
identity stolen. There are many companies that offer Identity Theft
protection. They can be broken into two groups: stopping the crime
before it even happens and restoring your identity if it is ever
stolen.
Have
you had something like this happen?
- You
get a phone call or letter telling you that you have been approved
or denied credit for accounts that you never requested.
- You
no longer receive your credit card statements, or you notice that
some of your mail seems to be missing.
- Your credit card
statement includes charges for things you know you never bought.
- A
collection agency tells you they are collecting for an account you
never opened.
If you
notice anything like this, it's possible you've become a victim of
identity theft.
To learn more about Identity Theft and how to
protect yourself, simply go on-line and search under “Identity
Theft”.
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Preventive
Care Recommended Guidelines
The following are preventive care recommendations
for the various stages and ages of life.
These recommendations are based on several 2005 findings
according to following organizations; The American Academy of
Pediatrics; The American Academy of Pediatric Dentistry;
Kidshealth.org; Centers for Disease Control (CDC); Immunization Action
Coalition; and the National Foundation for Infectious Diseases.
Preventive Care Recommendations for Children Aged 0 – 18 Years
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Screening
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Office Visits
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At 2 weeks, 2, 4, 6, 9, 12, 15, 18, and 24 months, then
annually
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Newborn Screening: PKU, Sickle Cell, Hemoglobinopathies,
and Hypothyroidism
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Prior to hospital discharge, no later than 6 days
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Hearing
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At
birth, then again at ages 4, 12, 15, and 18 years
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Height, Weight, and Head Circumference
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Height, weight, and head circumference should be measured
at birth, at 2 to 4 weeks, and at 1, 2, 4, 6, 9, 12, 15, 18, and
24 months of age. Height and weight should also be measured at
3, 4, 5, 6, and 8 years of age, and annually beginning at 10
years of age.
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Lead Level
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At least once a year between 9 months and 36 months of
age
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Eye Screening
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By age 3 if no previous vision problem has been detected
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Blood Pressure
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At age 3, then periodically through age 18
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Dental Health
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At age 3, or when all of the baby teeth have come in;
then periodically through age 18
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Alcohol Use
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Between ages 11 and 18
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Immunizations
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Hepatitis B (HBV)
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3 doses: between birth to 2 months, 1 to 4 months, and 6
to 18 months
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Polio (IPV/OPV)
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4 doses: administer at 2, 4, 12 – 18 months, and 4 –
6 years
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Haemophilus Influenzae type B (Hib)
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4 doses: administer at 2, 4, 6, and 12 – 15 months
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Diphtheria, Tetanus, & Pertussis (DTaP, Td)
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5 doses: administer at 2, 4, 6, 15 – 18 months, and 4
– 6 years; Td once between ages 11 and 16
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Measles, Mumps, Rubella (MMR)
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2 doses: administer at 12 – 15 months and at 4 - 6 or
11 – 12 years
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Varicella (VZV) (Chickenpox)
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Administer once between 12 and 18 months
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Counseling
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Development, nutrition, physical activity, safety,
unintentional injuries and poisonings, violent behaviors and
firearms, STDs and HIV, family planning, tobacco use, drug use
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As appropriate for child’s age
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Preventive Care
Guidelines for Adults Aged 18 – 75*
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Screening
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Office Visits
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Annually
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Blood Pressure
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Periodically
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Height and Weight
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Periodically
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Alcohol Use
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Periodically
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Prostate Cancer Screening
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Men: periodically after age 50
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Testicular Cancer Exam
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Men: Monthly self exam; also included as part of yearly
complete exam
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Cholesterol
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Men: every 5 years after age 35
Women: every 5 years after age 45
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Mammography
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Women: every 1 to 2 years after age 40
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Pap Test
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Women: Every 1 to 3 years starting at age 21
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Sigmoidoscopy
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Every 5 to 10 years after age 50
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Fecal Occult Blood
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Yearly after age 50
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Oral Health
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1-2 times a year
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Eye Health
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Every 2 years
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Skin Health
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Mole self exam monthly starting at age 20
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Immunizations
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Tetanus-Diphtheria(Td)
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Every 10 years
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Varicella (VZV) (Chickenpox)
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Only for those susceptible, 2 doses
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Measles, Mumps, Rubella (MMR)
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Women of childbearing age, one dose between age 18 and 50
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Pneumococcal
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One dose between age 65 and 75
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Influenza
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Annually for adults 50 years of age or older, women who
will be pregnant during flu season, and residents of long-term
care facilities.
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Counseling
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Calcium Intake
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Women: periodically
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Folic Acid
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Women of childbearing age: periodically between age 18
and 50
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Hormone Replacement Therapy
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Peri- and post-menopausal women
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Tobacco cessation, drug and alcohol use, STDs and HIV,
family planning, domestic violence, unintentional injuries, seat
belt use, nutrition, physical activity, fall prevention and
polypharmacy (elderly)
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Periodically, as appropriate
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*Individualized preventive care required in upper
age limits.
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Protect
Your Love Ones with Term Life
While
it’s not pleasant to think about what would happen to your family if
something happened to you …
Who
would be responsible for your final medical bills and funeral costs?
Would your family have to relocate? How would their standard of living
be affected?
Term
Life Insurance can offer peace of mind, assuring that ones family can
maintain the same standard of living and continue to live in their
home.
Consider Financial Needs
Since
most people equate buying life insurance with the need to pay off
large debts, it’s quite common to understand why Term Life also
referred as “mortgage-protection” insurance. Term Life can also be
used to provide income replacement or achieve specific business or
estate-planning goals.
The
first step in buying a policy is to analyze your life insurance needs.
Consider your financial situation and the standard of living you wish
to maintain for your dependants and survivors if something happened to
you.
Beyond
the initial adjustment period, also consider the longer-term financial
needs of your family members. Items to consider should include income
for the surviving spouse, mortgage and other debt payoffs, college
education funds, and an additional emergency fund. A good rule of
thumb is to carry no less than 7 times your annual income.
Review Periodically
Because
life insurance needs change over time, you should re-evaluate your
situation at least once every five years or when you experience a
major life event, such as marriage, a birth of a child, or when you
make a major purchase, such as a home.
It’s Easy to Get a Free Quote
Let
Scarborough Insurance Agency help you obtain a term life quote. To
receive a quote, simply e-mail or phone your Name, Date of Birth, home
Zip code, and whether you are a smoker or non-smoker to Steven
Courlang.
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CURRENT
NEWSLETTER |
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ABCs
of California Healthcare Debate |
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Pre-Existing
Conditions of the California Health Insurance |
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Workers
are told to shape up or pay up to hold down Medical costs
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of Prior Newsletters
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