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The process of receiving health care services at the correct time in the appropriate way and to get the best possible outcome is defined as quality health care.

Six attributes of health care quality

• Safety - Care should not harm any patient. 
• Patient centered - Individual needs should be taken care of when providing care. 
• Timely - Care should be provided exactly on time. 
• Effective - Care must be based on evidence. 
• Efficient - Wastage of time should be reduced. 
• Equitable - Equal care should be provided to every patient.

What is quality health care?

The meaning of quality health care is not the same for all people. According to some patients, quality care is to consult a doctor, to get proper treatment from the staffs of a hospital and to have a physician who can spend much time with the patient. But all these things are secondary. Clinical quality of care is the most important thing because more lives can be saved by providing evidence-based and high quality care.

Does quality equal safety?

Yes, quality equals safety. The quality of care is to be improved by the health care providers because it can save more lives of the patients.

How is health care quality measured?

Outcome indicators and process indicators are the two ways of measuring quality of care. Timelines and baseline practices are measured by process indicators. Complication rates, mortality rates and infection rates are measured by outcome indicators.

These indicators can be looked at by the consumer to compare the hospitals. National accreditations, recognitions and state of the hospital should also be looked at by you to measure quality.

What are quality measures and quality indicators?

The process of converting the medical information of a patient into percentage or rate to analyze the quality of care provided by the hospitals to their patients is called a quality measure. You will be given information by quality measures about how the patients are provided care by the hospital. This quality information can be used by you to compare the quality care of different hospitals.

What role do nurses and doctors play?

A very important role is played by the doctors and nurses. Quality care should be provided by all the nurses and physicians, clinically and satisfactorily. All the staffs in a hospital such as the receptionist, scrub nurse, hospital administrator, physician and the X-ray technician are responsible in providing quality care to all the patients.

Remember all these features when you will go to get quality health care from any hospital.

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How to Generate Income from your Website with Google AdSense

Google AdSense is a contextual advertising program that allows you to run ads on your website or blog, or YouTube videos, and get paid when when visitors click on them. The ads are generated from businesses that use Google's AdWords program.

The Google AdSense program has several great advantages including:

  1. It's free to join. 
  2. Eligibility requirements are easy, which means you can monetize your website or blog even when it's new.

  3. There are a variety of ad options and several you can customize to fit the look and feel of your site.
  4. Google pays monthly (if you meet the $100 threshold) by direct deposit.
  5. You can run ads on several websites from one AdSense account.
  6. There are options to run ads on mobile devices and RSS feeds. 
  7. You can easily add it to your YouTube and Blogger accounts.

With that said, there are a few drawbacks to AdSense as well:

  1. Google can terminate your account in an instant, and it's not very forgiving if you break the rules.
  2. Like all forms of online income, you need targeted traffic in order to make money.
  3. When people click on an AdSense ad, you do make some money, but your visitor also leaves your site. 
  4. It doesn't necessarily pay more than other similar programs.

AdSense is a great monetization option, but it's not a get-rich-quick or make-money-doing-nothing option. Further, Google has a lot of rules that aren't always noticed upfront.

As a result, many website owners found out the hard way that they'd violated a Google policy, and have lost their account forever. 

Types of AdSense Ads

Google offers a variety of ad types to run on your website: 

  1. Text ads use words, either as an Ad Unit (one offer) or a Link Unit (list of offers), and come in a variety of sizes. You can customize the color of the box, text and link.

  2. Image ads are graphic ads. They come in a variety of sizes. You can choose an option that mixes both text and image ads.
  3. Flash
  4. Video
  5. Rich media ads include HTML, Flash or other interactive feature. 
  6. Audio
  7. AdSense for Search allows you to have a Google search box on your site. When a user enters a term and conducts a search, a search results page opens with AdSense ads. You can customize the color scheme of the search results page to harmonize with your web site.

Google AdSense Payments

Google pays monthly through direct deposit or check, but will not issue an AdSense payment until your earnings reach or exceed $100. If you don't earn it in one month, your earnings roll over and are added to the next month. Each time you reach the $100 threshold, Google will issue a payment on the next payment period. Through your AdSense account, you can see your current earnings, what ads are generating the most clicks, and more.

Making Money with AdSense

Making a significant amount of money with AdSense requires a plan. Here are tips for maximizing AdSense revenue:
  • Read and adhere to Google's rules. Webmasters must comply with Google's webmaster policies as well as the AdSense program policy. 
  • Don't click on your own ads or ask others to click on them. Incentivizing clicks, buying Pay Per Click (PPC) space, or using a program designed to drive traffic to AdSense pages are against the rules.

  • Have great content your target market wants to read. 
  • Use honest, organic traffic building website promotion techniques, especially search engine optimization and article marketing.
  • Test ad types and placement to find the options that lead to the most income. 
  • Read email from Google, especially if it's sending a warning about something it doesn't like on your site. Failure to deal with Google's complaints will lead to termination of the program.

Dealing with Competitors' or Questionable Advertisements

If you offer products or services on your website, you may find that some ads Google delivers come from your competitors. Another issue that can occur is ads that may not be completely legitimate or they might offend your market. To prevent these offers from showing up on your site, Google AdSense allows you to specify up to 200 URLs you want to bar from appearing on your site.

The challenge of this is two-fold. 
  • You don't know what ads are running on your site until you see them there. Plus, with each page load, and depending on the visitors browsing history, the ad may not show up again or it might appear in a different spot.
  • Since you can't click on your own links (to the get the URL), you need to be careful about obtaining the URL to block. The best way is to right click the link, select "Copy Link Address," and paste it into a document or text editor (i.e. Notepad). The Google URL is really long, but you're looking for the section that identifies the advertiser. Copy that link, and paste into your AdSense blocked ads account.

Other Programs Besides AdSense

There are many ad network programs similar to AdSense, such as Media.net and InfoLinks. Some might require a traffic threshold, so you'd need to wait until your site was established. Most have similar rules to Google, such as a limit to the number of the network's ads per page (usually 3) and termination for clicking your own ads. In most cases, you can run different ad networks on your site without violating terms of service, but you'll want to read the rules of each network before doing it. Further, you want to avoid your site becoming so overwhelmed with ads that your readers can't find the content. 

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Smartphones designed iPhone 7 and iPhone 7 Plus, developed, and marketed by Apple Inc. They were announced on September 7, 2016, at the Bill Graham Civic Auditorium in San Francisco by Apple CEO Tim Cook, and were released on September 16, 2016, succeeding the iPhone 6S and iPhone 6S Plus as the current flagship devices in the iPhone series. Apple also released the iPhone 7 and 7 Plus in numerous countries worldwide throughout September and October 2016.

The iPhone 7's overall design is similar to the iPhone 6S, but introduces new color options, water and dust resistance, a new capacitive, static home button, and removes the 3.5 mm headphone jack. The device's internal hardware also received upgrades, including a heterogeneous quad-core system-on-chip with improved system and graphics performance, and upgraded 12 megapixel rear-facing cameras with optical image stabilization on all models and an additional telephoto lens on the iPhone 7 Plus model to provide enhanced zoom capabilities.

Reception of the iPhone 7 was mixed. Although reviewers noted the improvements to the camera, especially the dual rear camera on the Plus model, they also stated that the iPhone 7 did not make significant changes to the display or build quality, where competing flagship smartphones surpassed the quality of the iPhone 7. Many reviews highlighted the controversial removal of the 3.5 mm headphone jack; some critics argued that the change was meant to bolster licensing of the proprietary Lightning connector and the sales of Apple's own wireless headphone products, and questioned the effects of the change on audio quality. Apple was also mocked by critics for its statement that the change required "courage".

Apple has not released sales numbers for iPhone 7, but multiple U.S. carriers reported that it was in high demand on launch. Subsequent reports at the end of 2016 stated that Apple had reduced production of the models due to "sluggish" sales and decreasing demand.


About

Prior to its official announcement, multiple aspects of the iPhone 7 were heavily rumored. Apple's plans to remove the 3.5 mm headphone jack received significant media attention. Other rumors included a flush camera, stereo speakers, a thinner Lightning port, a 256 gigabyte storage option, and a larger 3,100 mAh battery.

On August 29, 2016, invitations to a press event at the Bill Graham Civic Auditorium in San Francisco, California on September 7, 2016 were sent out to members of the media, prompting immediate speculation of the iPhone 7's upcoming announcement. The iPhone 7 was officially announced at that event, with pre-orders beginning September 9, and general availability on September 16.

iPhone 7 launched in 30 new countries later in September, with further international rollouts throughout October and November 2016. Indonesia is the last country to release the iPhone 7 and 7 Plus, with availability starting on March 31, 2017, following Apple's research and development investment in the country.

On March 21, 2017, Apple announced an iPhone 7 with a red color finish (and white front), as part of its partnership with (PRODUCT)RED to highlight its AIDS fundraising campaign. It launched on March 24, 2017.


Specifications

Hardware

The iPhone 7's exterior is similar in shape and volume to iPhone 6 and iPhone 6S. Alongside the existing silver, gold, and rose gold colors, the device is offered in new matte black, "jet black",[19] and red colors. The "jet black" color is a dark shade, high-gloss black finish. It is created through a multi-step process, beginning with an anodization phase to make the surface of the casing a porous aluminum oxide, and then using a machine to sweep the casing through a powdered compound, absorbed by aluminum oxide. The process is concluded with an "ultrafine particle bath" for additional finishing; the entire process takes less than an hour.

iPhone 7 is rated IP67 water and dust resistant,[32] although tests have resulted in malfunctions, specifically distorted speakers, after water exposure. The warranty does not cover any water damage to the phone.

iPhone 7's home button uses a capacitive mechanism for input rather than a physical push-button, as on previous models, meaning direct skin contact (or a capacitive glove) is required to operate the device. Physical feedback is provided via a Taptic Engine vibrator, and the button is also pressure-sensitive. iPhone 7 retains the "3D Touch" display system introduced on the iPhone 6S, providing pressure-sensitive touchscreen input.


Comparison of ports on iPhone 6/6S (top) and iPhone 7 (bottom)
The iPhone 7 does not feature a 3.5 mm headphone jack; it was replaced by a second grille that houses the phone's new Taptic Engine vibration feedback system. A Lightning-to-3.5-mm-connector adapter, as well as in-ear headphones that use the Lightning connector, are bundled with the device,[19] and the adapter is also sold separately as an accessory. The adapter is also compatible with other iPhone, iPad, and iPod Touch devices running iOS 10.

iPhone 7 uses the Apple A10 Fusion 64-bit system-on-chip, which consists of two low-power cores and two high-power cores (only two cores are used at any point in time[41]). The A10 chip also features a hexa-core graphics chip capable of "console-level gaming". As with prior models, iPhone 7 is available in two sizes: one with a 4.7-inch screen, and a "Plus" variant with a 5.5-inch screen. The displays have identical sizes and resolutions to iPhone 6S, but with a wider color gamut and increased brightness. The screen-to-body ratio is about ~66% and ~68% for the 7 and 7 Plus, respectively.

Both device variants also contain a new iteration of Apple's motion coprocessor, the M10. Unlike previous iPhone models, internal storage options for iPhone 7 begin at 32 GB instead of 16 GB, and max out at 256 GB. iPhone 7 Plus offers 3 GB of RAM, more than any other previous iPhone; the 4.7-inch iPhone 7 has 2 GB.


iPhone 7 Plus with dual-lens camera
The iPhone 7 includes a 12-megapixel rear-facing camera with a quad-LED "True Tone" flash; its aperture was widened to f/1.8, and the standard-size phone model adds optical image stabilization – a feature that was previously exclusive to Plus models. The iPhone 7 Plus includes a second 12-megapixel telephoto lens, which can be used to achieve 2× optical zoom, and up to 10× digital zoom. The front-facing camera was upgraded to a 7-megapixel sensor with automatic image stabilization.

Software

See also: iOS 10 and iOS version history
iPhone 7 ships with iOS 10 pre-installed. The iPhone 7 Plus received an exclusive portrait camera mode in the iOS 10.1 software update. This camera mode is capable of producing a bokeh effect using depth of field analysis.

Accessories

Headphone jack adapter with an iPhone 7 Plus beside it

iPhone 7 unboxed set in Silver
Each iPhone 7 comes with a Lightning-to-3.5-mm adapter. Apple sells the adapter independently as well. Apple also unveiled several Bluetooth wireless headphones ostensibly intended for use with iPhone 7, including AirPods, wireless in-ear headphones, and three new Beats headphone products. All four products utilize an in-house wireless chip known as Apple W1, which is designed to provide low-power Bluetooth operation and integration with iOS and macOS products (though they are still compatible with other Bluetooth-supported devices).

Reception


Each iPhone 7 comes with a Lightning-to-3.5-mm adapter. Apple sells the adapter independently as well. Apple also unveiled several Bluetooth wireless headphones ostensibly intended for use with iPhone 7, including AirPods, wireless in-ear headphones, and three new Beats headphone products. All four products utilize an in-house wireless chip known as Apple W1, which is designed to provide low-power Bluetooth operation and integration with iOS and macOS products (though they are still compatible with other Bluetooth-supported devices).

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Antibiotics, also known as antibacterials, are medications that destroy or slow down the growth of bacteria.

They include a range of powerful drugs and are used to treat diseases caused by bacteria.

Infections caused by viruses, such as colds, flu, most coughs, and sore throats cannot be treated with antibiotics.

In this article, we will explain what antibiotics are, how they work, any potential side effects, and discuss antibiotic resistance.

Fast facts on antibiotics
Here are some key points about antibiotics. More detail and supporting information is in the main article.

  • Alexander Fleming discovered the first natural antibiotic - penicillin - in 1928
  • Antibiotics cannot fight viral infections
  • Fleming predicted the rise of antibiotic resistance we see today
  • Antibiotics either kill bacteria or slow its growth
  • Side effects can include diarrhea and feeling sick


What are antibiotics?

Alexander Fleming discovered penicillin in 1928.
Antibiotics are powerful medicines that fight certain infections and can save lives when used properly. Antibiotics either stop bacteria from reproducing or destroy them.

Before bacteria can multiply and cause symptoms, the body's immune system can usually kill them. Our white blood cells attack harmful bacteria and, even if symptoms do occur, our immune system can usually cope and fight off the infection.

There are occasions, however, when it is all too much, and some help is needed; this is where antibiotics are useful.

The first antibiotic was penicillin. Such penicillin-related antibiotics as ampicillin, amoxicillin, and benzylpenicillin are widely used today to treat a variety of infections - these antibiotics have been around for a long time.

There are several types of modern antibiotics, and they are only available with a doctor's prescription in most countries.

Antibiotic resistance

There is concern worldwide that antibiotics are being overused. This overuse is contributing toward the growing number of bacterial infections that are becoming resistant to antibacterial medications.

According to the CDC (Centers for Disease Control and Prevention), outpatient antibiotic overuse in the United States is a particular problem in the Southeast.

The ECDC (European Centre for Disease Prevention and Control) says that antibiotic resistance continues to be a serious public health threat worldwide. In a statement issued in November 2012, the ECDC informed that an estimated 25,000 people die each year in the European Union from antibiotic-resistant bacterial infections.

New ECDC data shows that there has been a considerable increase over the last few years of combined resistance to multiple antibiotics in E. coli and Klebsiella pneumoniae in over one-third of European Union and EEA (European Economic Area) nations.

Consumption of carbapenems, a major class of last-line antibiotics, increased significantly from 2007 to 2010.

Alexander Fleming, speaking in his Nobel Prize acceptance speech in 1945 said: "Then there is the danger that the ignorant man may easily underdose himself and by exposing his microbes to non-lethal quantities of the drug, make them resistant."

As predicted, almost 70 years ago by the man who discovered the first antibiotic, drug resistance is upon us.

How do antibiotics work?

Although there are a number of different types of antibiotic, they all work in one of two ways:

  • A bactericidal antibiotic (penicillin, for instance) kills the bacteria; these drugs usually interfere with either the formation of the bacterium's cell wall or its cell contents
  • A bacteriostatic stops bacteria from multiplying


What are antibiotics used for?

Antibiotics do not work against viruses.
An antibiotic is given for the treatment of an infection caused by bacteria. It is not effective against viruses.

If you have an infection, it is important to know whether it is caused by bacteria or a virus.

Most upper respiratory tract infections, such as the common cold and sore throats are caused by viruses - antibiotics do not work against these viruses.

If antibiotics are overused or used incorrectly, there is a risk that the bacteria will become resistant - the antibiotic becomes less effective against that type of bacterium.

A broad-spectrum antibiotic can be used to treat a wide range of infections. A narrow-spectrum antibiotic is only effective against a few types of bacteria. Some antibiotics attack aerobic bacteria, while others work against anaerobic bacteria. Aerobic bacteria need oxygen, anaerobic bacteria do not.

In some cases, antibiotics may be given to prevent rather than treat an infection, as might be the case before surgery. This is called 'prophylactic' use of antibiotics. They are commonly used before bowel and orthopedic surgery.

Side effects of antibiotics

Below is a list of the most common side effects of antibiotics:


  • Diarrhea
  • Feeling sick
  • Fungal infections of the mouth, digestive tract, and vagina
  • Below is a list of rare side effects of antibiotics:


Formation of kidney stones (when taking sulphonamides)

  • Abnormal blood clotting (when taking some cephalosporins)
  • Sensitivity to sunlight (when taking tetracyclines)
  • Blood disorders (when taking trimethoprim)
  • Deafness (when taking erythromycin and the aminoglycosides)

Some patients, especially older adults, may experience inflamed bowels (a type of colitis), which can lead to severe bloody diarrhea. Clindamycin, an antibiotic used for the most serious infections, commonly has this side effect.

Penicillins, cephalosporins, and erythromycin can also produce this side effect, but it is much rarer.

Allergic reactions and interactions

Some patients may develop an allergic reaction to antibiotics - especially penicillins. Side effects might include a rash, swelling of the tongue and face, and difficulty breathing.

Allergic reactions to antibiotics can be immediate or delayed hypersensitivity reactions.

Anyone who has an allergic reaction to an antibiotic must tell their doctor and/or pharmacist. Reactions to antibiotics can be very serious, and sometimes fatal - they are called anaphylactic reactions.

Antibiotics should be used with extreme caution for the following individuals:

  • Anyone with reduced liver or kidney function
  • Anyone who is pregnant
  • Anyone who is breastfeeding

Interactions

Individuals taking an antibiotic, should not take other medicines or herbal remedies without speaking with a doctor first. OTC (over the counter, non-prescription) medicines might also interact with antibiotics.

Penicillins, cephalosporins, and some other antibiotics can undermine the effectiveness of oral contraceptives. If the antibiotic has caused diarrhea/vomiting the absorption of contraceptives may also be disrupted. Anyone taking these drugs should consider taking additional contraceptive precautions.

How to use antibiotics

Antibiotics are usually taken by mouth (orally); however, they can also be administered by injection or applied directly to the affected part of the body.

Most antibiotics start having an effect on an infection within a few hours. It is important to complete the whole course of medication to prevent the infection from coming back.

Stopping taking the medication before the end of the course means that there is a higher chance the bacteria will become resistant to future treatments. This is because the ones that survive have had some exposure to the antibiotic and may consequently have built up a resistance to it. Even if an individual feels better, they still need to complete the course of treatment.

Some antibiotics should not be consumed with certain foods and drinks. Others should be taken on an empty stomach - these would normally be taken about an hour before meals, or 2 hours after. It is crucial that patients follow the instructions correctly for the medication to be effective. People taking metronidazole should not consume alcohol.

Contents of this article:


  • What are antibiotics?
  • Antibiotic resistance
  • How antibiotics work
  • Uses
  • Side effects
  • Allergic reactions and interactions
  • How to use

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In general, you should find your ideal life insurance policy amount by calculating your long-term financial obligations and then subtracting your assets. The remainder is the gap that life insurance will have to fill. But it can be difficult to know what to include in your calculations, so there are several widely circulated rules of thumb meant to help you decide the right coverage amount. Here are a few of them.

Rule of thumb No. 1: Multiply your income by 10.

“It’s not a bad rule, but based on our economy today and interest rates, it’s an outdated rule,” says Marvin Feldman, president and CEO of insurance industry group Life Happens.

The “10 times income” rule doesn’t take a detailed look at your family’s needs, nor does it take into account your savings or existing life insurance policies. And it doesn’t provide a coverage amount for stay-at-home parents.

Both parents should be insured, Feldman says. That’s because the value provided by the stay-at-home parent needs to be replaced if he or she dies. At a bare minimum, the remaining parent would have to pay someone to provide the services, such as child care, that the stay-at-home parent provided for free.

Rule of thumb No. 2: Buy 10 times your income, plus $100,000 per child for college expenses

Education expenses are an important component of your life insurance calculation if you have kids. This formula adds another layer to the “10 times income” rule, but it still doesn’t take a deep look at all of your family’s needs, assets or any life insurance coverage already in place.


Rule of thumb No. 3: The DIME formula

This formula encourages you to take a more detailed look at your finances than the other two. DIME stands for debt, income, mortgage and education, four areas that you should consider when calculating your life insurance needs.

Debt and final expenses: Add up your debts, other than your mortgage, plus an estimate of your funeral expenses.

Income: Decide for how many years your family would need support, and multiply your annual income by that number. The multiplier might be the number of years before your youngest child graduates from high school. Use this calculator to compute your income replacement needs:

Mortgage: Calculate the amount you need to pay off your mortgage.

Education: Estimate the cost of sending your kids to college.

The formula is more comprehensive, but it doesn’t account for the life insurance coverage and savings you already have, and it doesn’t consider the unpaid contributions a stay-at-home parent makes.

How to find your best number

Follow this general philosophy to find your own target coverage amount: financial obligations minus liquid assets.

  1. Calculate obligations: Add your annual salary (times the number of years that you want to replace income) + your mortgage balance + your other debts + future needs such as college and funeral costs. If you’re a stay-at-home parent, include the cost to replace the services that you provide, such as child care.
  2. From that, subtract liquid assets such as: savings + existing college funds + current life insurance.

Tips to keep in mind

Keep these tips in mind as you calculate your coverage needs:

  • Rather than planning life insurance in isolation, consider the purchase as part of an overall financial plan, says certified financial planner Andy Tilp, president of Trillium Valley Financial Planning near Portland, Oregon. That plan should take into account future expenses, such as college costs, and the future growth of your income or assets. “Once that information is known, then you can map the life insurance need on top of the plan,” he says.
  • Don’t skimp. Feldman recommends buying a little more coverage than you think you’ll need instead of buying less. Remember, your income likely will rise over the years, and so will your expenses. While you can’t anticipate exactly how much either of these will increase, a cushion helps make sure your spouse and kids can maintain their lifestyle.
  • Talk the numbers through with your spouse, Feldman advises. How much money does your spouse think the family would need to carry on without you? Do your estimates make sense to him or her? For example, would your family need to replace your full income, or just a portion?
  • Consider buying multiple, smaller life insurance policies, instead of one larger policy, to vary your coverage as your needs ebb and flow. “This can reduce total costs, while ensuring adequate coverage to the times needed,” Tilp says. For instance, you could buy a 30-year term policy to cover your spouse until your retirement and a 20-year term policy to cover your children until they graduate from college.
  • Turner recommends parents of young children choose 30-year versus 20-year terms to give them plenty of time to build up assets. With a longer term, you’re less likely to get caught short and have to shop for coverage again when you’re older and rates are higher.


IN THIS ARTICLE
  • Three rules of thumb
  • How to find your best number
  • Tips to keep in mind
  • Debt and income replacement calculators

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Insurance is a financial safety net for when life just doesn’t go your way, but that doesn’t mean you should ignore it when things are going well. Here are 10 things you can do in 2017 to strengthen your net and avoid common insurance claims.

1. Make a home inventory

After a fire or natural disaster, you want the insurance claim process to go as smoothly as possible. Making a list of items in your home before a disaster occurs helps guarantee you won’t forget to claim anything, but 48% of homeowners say they don’t have an inventory, according to the Insurance Information Institute.

2. Read your insurance policies

The key to making a claim is understanding your policy. For auto and home insurance, look for the policy’s declarations page. For health insurance, look for the summary of benefits.

Make sure you understand the limits and deductibles of each policy, along with the copayments and coinsurance for health insurance.

3. Quit smoking

If you smoke, your insurers want you to quit. Both health and life insurance typically cost less for nonsmokers, and your health plan might even help by paying for counseling and medication to help you quit.

If you’re shopping for life insurance, you need to be smoke-free for at least a year to get nonsmoking rates, says Robert Wolfe, managing director of United Capital, a financial advising firm.

4. Improve your credit

Bad credit may be having a bigger impact on your car insurance bill than you realize. Credit history can impact your car insurance rates more than your driving record, according to Consumer Reports. Only California, Hawaii and Massachusetts ban the practice.

The worse your credit, “the higher the risk your insurer sees you as,” Wolfe says.

5. Stop leaving the keys in your car

One in eight stolen cars is a “freebie” for the thief, according to the National Insurance Crime Bureau. Auto theft with the keys or an electronic fob inside the car is up 31% since 2013, with a car stolen this way every 6 1/2 minutes.

If you don’t have comprehensive coverage and your car is stolen, you’ll have to buy another car with your own money.

6. Stay in the kitchen while you’re cooking

You can help avoid the time loss and frustration of a common insurance claim by staying in the kitchen when you cook.

Cooking fires are the No. 1 cause of home fires, according to the National Fire Protection Agency. Out of all cooking fires, unattended cooking was by far the leading cause.

7. Find out the real price of life insurance

The biggest reason 64% of consumers with some or no life insurance don’t purchase more is because they think it costs too much, according to industry research group LIMRA.

If someone depends on you financially, consider getting
If someone depends on you financially, consider getting life insurance quotes. A policy might be cheaper than you think. (Photo: iStockphoto)
If someone depends on you financially, consider getting life insurance quotes. A policy might be cheaper than you think.

8. Tell your life insurance beneficiaries about your policy

Letting your life insurance beneficiaries know where to claim money if you die seems simple enough. But $8.8 billion in life insurance benefits are unclaimed nationwide, according to the Florida Office of Insurance Regulation.

Part of the reason is that those who are owed money don’t know about the policies or where to find them. Your beneficiaries don’t need a policy in hand to make a claim; they only need to know which insurer you bought from.

9. Don’t overexert

If you plan to get in shape after the New Year, ease into your routine slowly. “Unintentional overexertion” is one of the top three causes of injuries that land adults in the emergency room, according to the Centers for Disease Control and Prevention. ER visits are rarely cheap, so don’t let getting fit lead to extra bills.

10. Download your insurers’ apps

Currently, 46 states allow drivers to provide electronic proof of car insurance during a traffic stop, according to Property Casualty Insurers Association of America. That means you no longer have to remember where you put your paper insurance card. Some auto insurers will even let you start a claim and see your policies on their apps.

Connectify Pro 2015 Full Version With Crack, Plus Lifetime License key
Connectify Pro 2015 Full Version With Crack

Connectify Pro 2015, Hotspot basically works as a physical location that provides internet connection through wireless to various other devices. It simply work with the help of router which is connected to link to an internet service provider so that provide you Wi-Fi technology.

You can set your computer to work as hotspot for your mobile, tablet and laptop. And for that you only need software that converts your computer into Wi-Fi hotspot for your other devices to easily access the internet. There are various software’s that can convert your computer into a Wi-Fi hotspot in a blink of an eye but the best and popular one is Connectify Pro Crack .

Screenshots


How to Activate ?
  • Download the setup and crack from given link
  • Install the setup throughout and reboot your PC
  • Exit the setup from taskbar or using task manager
  • Now copy and paste the cracked “connectify.exe” file from the cracked folder to installation directory which is default “C:\Program Files\Connectify”.
  • That’s it. Start using latest version of connectify without any issue
  • Good Luck !



Free Download Dota 2 PC Game. Dota 2 is a multiplayer online battle arena game, focusing on combat in a three-dimensional environment. The player can command one character controlled called "Hero". Dota 2 has a number of items, the player can save in a small inventory. This Item is mostly obtained through purchases with gold and currency in the game.

Finish this game, then you will find the story fully on Dota game 2 that we serve, please download full version.

DOTA 2 System Requirements :
Minimum Requirements :
  •     OS: Windows XP/Vista/7
  •     Processor: Intel Pentium 4 @ 3.0 GHz / AMD Athlon 64 3200+
  •     Memory: 1 Gb
  •     Hard Drive: 2.5 Gb free
  •     Video Memory: 128 Mb
  •     Video Card: nVidia GeForce 6600 / ATI Radeon X800
  •     Sound Card: DirectX Compatible
  •     DirectX: 9.0c
Recommended Requirements :
  •     OS: Windows XP/Vista/7
  •     Processor: Intel Core 2 Duo @ 2.4 GHz / AMD Athlon 64 X2 5000+
  •     Memory: 2 Gb
  •     Hard Drive: 2.5 Gb free
  •     Video Memory: 256 Mb
  •     Video Card: nVidia GeForce 7800 / ATI Radeon x1800
  •     Sound Card: DirectX Compatible
  •     DirectX: 9.0c
Download :

AVG Anti-Virus Pro 15.0.5961 2015
You get hassle-free protection against today’s most sophisticated threats, online and offline. AVG Anti-Virus includes our unique LinkScanner® to prevent you from accidentally visiting harmful sites. It’s faster, smarter security that won’t slow you down.

AVG Anti virus is one of the most complete programs we have found to date. It includes many new options to make it one of the most effective virus scanners on the market. It is still plagued by horrible slowdowns at times. Even things so simple as just typing an IM can be stopped for several seconds for some reason. If you can get passed the occasional slowdowns of your computer, the scanning functionality of AVG Anti virus is top of the line. With the rewrite of the scanning engine, AVG includes multi-processor support.

Surfing and searching the web, social networking :
  • LinkScanner Active Surf-Shield Ensures every web page you visit is safe – even before you go there
  • LinkScanner Search-Shield Applies safety ratings to your Google, Bing/MSN and Yahoo search results
  • NEW Superior Phishing Protection Checks to make sure web pages really are what they appear to be
Emailing, chatting, and downloading :
  • Web Shield Lets you download and exchange files without risking virus infections
  • E-mail Scanner Keeps you safe from dangerous attachments and links in your e-mail
Whether you’re online or offline :
  • Anti-Virus Makes sure you can’t get or spread a virus, worm, or Trojan horse
  • Anti-Spyware Prevents unauthorized information access by spyware and adware
  • Anti-Rootkit Ensures even the toughest and most sophisticated threats are kept off your PC
  • Game Mode Keeps you safe without interrupting your game-play
  • Update Manager Makes sure you’re always protected against the latest threats – automatically
When you install AVG Anti-Virus, every one of these features is fully-functional – there’s no need to do a thing. But if you want to tweak your settings or find out more about how each component works, everything is accessible through the easy-to-use interface.

Link Download :
AVG Anti-Virus Pro 15.0.5961 2015 (online)

Download CCleaner Professional 5.05 full Registration

CCleaner 5.05 Crack 2015 is number one tools for windows PC cleaner. It’s enable to protect your privacy online and make your PC faster your PC. CCleaner is good and user friendly User can easily use it. Here you can download CCleaner Professional 5.05 Crack/ CCleaner Business 5.05 Crack/ CCleaner Technician 5.05 Crack.

CCleaner 5.05 Crack Features:
  •     Support your Windows 10.
  •     Improved Firefox and Google Chrome session cleaning.
  •     Improved Unicode support in Startup tool.
  •     Improved keyboard navigation and shortcuts.
  •     Updated various translations.

How to install CCleaner 5.05 Crack:
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CCleaner FREE VERSION:
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
1. Run “ccsetup.exe”.
2. Complete installation, start and use.

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CCleaner PRO VERSION:
=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=-=
  1. Disable your internet connection.
  2. Run “ccsetup.exe” complete installation.
  3. In “DLL Files” folder, choose “Professional” folder, copy the file “branding.dll” to “C:\Program Files\CCleaner”
  4. Start the program.
  5. Register with the following information:
  6. Name :   Download Here /  License Key :   Download Here
  7. The program will start. You can turn on internet now.
Screenshot :


Avast! Free Antivirus with quite 150 millions users is one amongst the foremost in style and powerful anti-virus programs within the World today! the home Edition is totally free for personal and non-commercial use, and is jam-choked with many helpful new features. avast! Free Antivirus is ideal for people that send e-mails and surf in style websites. however if you store sensitive information on your pc, shop or bank on-line.

Avast are regularly improving their databases of malware details, significance your pc will be secured against the latest malware, malware and possibly dangerous websites. Avast’s large and active community quickly alerts the team of new security threats which are quickly countered and added to Avast’s significant databases. The web web browser add-on further enhances pc security with features like biscuit and social monitoring preventing.

Avast New Technologies:
  •     Anti-spyware integral
  •     Web Shield
  •     Anti-rootkit integral
  •     Automatic updates
  •     Strong self-protection
  •     Virus Chest
  •     Antivirus kernel
  •     System integration
  •     Simple interface
  •     Integrated Virus Cleaner
  •     Resident protection
  •     Support for 64-bit Windows
  •     P2P and IM Shields
  •     Internationalization
  •     Network protect
Link Download :

AVAST For Windows
AVAST For MAC
AVAST For Android

BlueStacks 0.9.27.5408 MOD Offline - Lates
BlueStacks 0.9.27.5408 HD App Player Pro is a plateform that allows you to run applications, including games written for OS Android – on desktops, laptops and tablets and also this package contains all files to install it offline. This is a special program that uses a technology called LayerCake, which provides the correct environment for running applications for ARM-Android on a computer running Windows. Get Root (right super – user).

After you install BlueStacks on your Windows PC, you can download directly from the program needed Android-app, without having to use the Android-based smartphone. BlueStacks looks pretty neat and fits naturally into the interface Windows.

Features List

  • Run Android applications in full-screen and not only.
  • Through the cloud download your application from the phone to Windows.
  • In 16 player preinstalled applications and you can play them if there is no number.
  • Ability to set an unlimited number of applications.
  • Ability to play 3D games (cache).
  • You can set a home screen (Launcher) to replace the standard, etc.
  • Sync with your Android device will allow you to make calls, send SMS, take pictures and more.
  • Has a lot of settings and system settings Android (Although they are slightly trimmed)
  • Knows how to install applications from a computer at the touch of them
  • Ability to obtain Root (full access to the file system, etc.)
  • You can set Google Play, simply speaking market.
  • BlueStacks great friends with ADB is a very big plus, if you really want, you can change the firmware.
  • Ability to turn in FastBoot and Recovery.
  • BluesStacks has virtual disk, such as SD Card, Data, and a few others. Which again gives you the opportunity to do a lot of “body” motions with it and enjoy all its charms.
  • Ability to obtain Root (full access to the file system)

What’s New ?

  • Major bug fixed with enhanced performance
  • Simple Launcher Interface
  • SuperUser Support
  • Import Windows Files directly from your PC to bluestacks
  • Root Explorer Support
  • Advanced Calculator Support
  • Clock, Camera, and other accessories support
  • Root Checker Support
  • Build in Media Player which run mp3, mp4 and many other formats easily

How to Run Speed Up BlueStacks ?

  • Press Start Button with “R” Key [image]
  • Search the regedit in newly opened windows [image]
  • Click on HEKY_LOCAL_MACHINE >>> SOFTWARE [image]
  • Then select Bluestacks >>> Android >>> Hit enter on Memory and replace 300 to 600; then click on decimal and click “OK” [image]
  • That’s it; you will have successfully speed up your bluestacks
Screenshot




How to Install?

  1. Extract winrar files and run given app as an administrator
  2. Just wait and follow the instructions during installation of setup into your PC
  3. After Completing the installation; Bluestacks will automatically launch; just select some options which will appear on screen
  4. That’s it. Now run your all apps which supports the Android 4.4.2 and earlier.

Windroye 2.8.0 Emulator of Android for PC

If you are looking for the light emulator of Android for PC, Windroye 2.8.0 is the answer. Windroy is more than just an emulator. It’s a full porting of the Android operating system to Windows. This means that it is much faster than other emulators such as Bluestacks when it comes to running apps. The Windroy interface is exactly the same as the Android interface system on most Android devices. It integrates with many Windows applications such as Flash and Windows Media Player. The Windroy user interface screen is customizable allowing the user to control how big the actual screen is. Apps run very smoothly on Windroy with no problems.

How to Install :

  1. Download  the file from the link given below
  2. Run it as usual until finish
  3. Then run Windroye and wait until  Android homescreen  appeared!
  4. Enjoy play!

Screenshots :



Download Link :

Windows 7 Loader Activator v2.2.2

Download Latest Crack  Activator  Windows 7 Loader  Activator version 2.2.2 There are many Windows 7 activator software but Windows 7 Loader Activator v2.2.2. is the latest version and its reloaded version of 2.2.2.The Activation Process is Very easy. Its More user friendly Than Other Activators.

Activate your windows 7 any version both 64 bit or 32 bit easily by windows loader 2.2.2. Windows 7 Loader Activator 32 Bit & Windows 7 Loader Activator 64 Bit

Features Of latest  Windows 7 Loader :

  • Checked By FCFD Team - Windows 7 Loader is compatible Windows 7 SP1 all system updates.
  • Works fine in both x86 and x64, 
  • Standalone application,
  • Can ignore existing SLIC option,

Supported operating systems :

  • Windows 7 Starter
  • Windows 7 Starter E
  • Windows 7 Home Basic
  • Windows 7 Home Premium
  • Windows 7 Home Premium E
  • Windows 7 Ultimate
  • Windows 7 Ultimate E
  • Windows 7 Professional
  • Windows 7 Professional E

How To Active Windows 7 :

  1. Downloads and install windows 7 activator 2.2.2. Clock on the install Button 
  2. Wait till the process ends . the Activation process ends here.
  3. It will ask for  a restart . Re-start your pc .
  4. Now your windows 7 is activated.
Download Windows 7 Loader Activator v2.2.2

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