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	<title>Health Insurance Australia &#124; HealthInsuranceAustralia.info</title>
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		<title>Plastic &amp; Cosmetic Surgery option in Malaysia</title>
		<link>http://www.healthinsuranceaustralia.info/plastic-cosmetic-surgery-option-in-malaysia-2/</link>
		<comments>http://www.healthinsuranceaustralia.info/plastic-cosmetic-surgery-option-in-malaysia-2/#comments</comments>
		<pubDate>Sun, 05 Sep 2010 09:47:59 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[Cosmetic]]></category>
		<category><![CDATA[Malaysia*]]></category>
		<category><![CDATA[option]]></category>
		<category><![CDATA[Plastic]]></category>
		<category><![CDATA[Surgery]]></category>

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<p>Plastic &#038; Cosmetic Surgery option [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Plastic &#038; Cosmetic Surgery option in Malaysia</strong></p>
<p>Medical Tourism Malaysia is growing at an exponential growth factor. Its enjoying medical tourist from UK, Australia, New Zealand, Middle East and USA for cosmetic and plastic surgery procedures. As one knows, it all started in the name of procedures and medical help provided at over seas destinations while tourists visit some foreign country. And gradually this industry evolved as medical tourism in the world Though it has many names, like health tourism, medical travel, global healthcare few of the important ones. And medical tourism was the most important procedure in the beginning times of medical tourism.</p>
<p>&#13;</p>
<p>The fact remains, that most of the health insurances and healthcare provision plans do not provide any coverage for cosmetic and plastic surgery procedures even today. The situation was far more complicated few years back and this became the main reason for patients or medical, healthcare seekers started to look for low cost and affordable help at destinations which are not expensive and with quality healthcare provision. Like Spain and Brazil were famous destinations in cosmetic and plastic surgery, followed by Thailand, Singapore and Malaysia. But Malaysia has certainly developed its rank in cosmetic surgery and plastic surgery, with quality of treatment provided.</p>
<p>&#13;</p>
<p>Medial Tourism, Malaysia offers, cosmetic surgery procedures ranging form face lift, brow lift, rhinoplasty all at affordable costs and under care of experienced cosmetic and plastic surgeons like Dato Dr Abdul Jalil Jidon, Dr David Cheah and Dr Somasundaram Saharan. Offering procedures like liposuction, tummy tucks and other body contouring and reshaping techniques at medical tourism destinations in Malaysia is well recognized with good outcomes. The costs of these procedures are certainly half or even one third of the costs of these procedures at USA and European destinations. Face lift at KPJ Ampang Puteri Hospital on board Wellness Visit, costs 1500 USD to 2000 USD and similar procedure costs about 5000 to 7000 USD in USA and European destinations.</p>
<p>&#13;</p>
<p>Medical Tourism Malaysia at <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.wellnessvisit.com/">http://www.wellnessvisit.com</a> also offers affordable accommodation and hotel packages. Excellent travel and tour options are abundant at destination Malaysia. Malaysia is blessed with crystal clear blue water beaches, lush green jungles and tropical rain forests. It has modern cities like Kuala Lumpur, Penang, Johor Baru. Malaysia has excellent infrastructure in place with best communication facilities. Malaysia is awaiting to welcome its guests from all over the world to enjoy the world class hospital, healthcare services, with English speaking staff and English speaking countrymen. Malaysia has many things to offer to its tourists not just health and wellness options but tourism, natural beauty, abundance of man made and natural places. Excellent food with variety from western to eastern taste and flavor.</p>
<p>&#13;</p>
<p>Come visit Malaysia for Medical Tourism, cosmetic/ plastic surgery, enjoy holidays and spend some quality time. Wellness Visit is awaiting just one click away.</p>
<div>
<p>Did you find this article useful? For more useful tips and hints, points to ponder and keep in mind, techniques, and insights pertaining to Internet Business, do please browse for more information at our websites. <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.adsence-dollar-factory.com">http://www.adsence-dollar-factory.com</a> <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.100earningtips.com">http://www.100earningtips.com </a></p>
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		</item>
		<item>
		<title>Plastic &amp; Cosmetic Surgery option in Malaysia*</title>
		<link>http://www.healthinsuranceaustralia.info/plastic-cosmetic-surgery-option-in-malaysia/</link>
		<comments>http://www.healthinsuranceaustralia.info/plastic-cosmetic-surgery-option-in-malaysia/#comments</comments>
		<pubDate>Sat, 04 Sep 2010 21:43:30 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[Cosmetic]]></category>
		<category><![CDATA[Malaysia*]]></category>
		<category><![CDATA[option]]></category>
		<category><![CDATA[Plastic]]></category>
		<category><![CDATA[Surgery]]></category>

		<guid isPermaLink="false">http://www.healthinsuranceaustralia.info/plastic-cosmetic-surgery-option-in-malaysia/</guid>
		<description><![CDATA[<p>Plastic &#038; Cosmetic Surgery option in Malaysia*</p>
<p>Medical Tourism Malaysia is growing at an exponential growth factor. Its enjoying medical tourist from UK, Australia, New Zealand, Middle East and USA for cosmetic and plastic surgery procedures. As one knows, it all started in the name of procedures and medical help provided at over seas destinations while tourists [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Plastic &#038; Cosmetic Surgery option in Malaysia*</strong></p>
<p>Medical Tourism Malaysia is growing at an exponential growth factor. Its enjoying medical tourist from UK, Australia, New Zealand, Middle East and USA for cosmetic and plastic surgery procedures. As one knows, it all started in the name of procedures and medical help provided at over seas destinations while tourists visit some foreign country. And gradually this industry evolved as medical tourism in the world Though it has many names, like health tourism, medical travel, global healthcare few of the important ones. And medical tourism was the most important procedure in the beginning times of medical tourism. </p>
<p>The fact remains, that most of the health insurances and healthcare provision plans do not provide any coverage for cosmetic and plastic surgery procedures even today. The situation was far more complicated few years back and this became the main reason for patients or medical, healthcare seekers started to look for low cost and affordable help at destinations which are not expensive and with quality healthcare provision. Like Spain and Brazil were famous destinations in cosmetic and plastic surgery, followed by Thailand, Singapore and Malaysia. But Malaysia has certainly developed its rank in cosmetic surgery and plastic surgery, with quality of treatment provided. </p>
<p>Medial Tourism, Malaysia offers, cosmetic surgery procedures ranging form face lift, brow lift, rhinoplasty all at affordable costs and under care of experienced cosmetic and plastic surgeons like Dato Dr Abdul Jalil Jidon, Dr David Cheah and Dr Somasundaram Saharan. Offering procedures like liposuction, tummy tucks and other body contouring and reshaping techniques at medical tourism destinations in Malaysia is well recognized with good outcomes. The costs of these procedures are certainly half or even one third of the costs of these procedures at USA and European destinations. Face lift at KPJ Ampang Puteri Hospital on board Wellness Visit, costs 1500 USD to 2000 USD and similar procedure costs about 5000 to 7000 USD in USA and European destinations. </p>
<p>Medical Tourism Malaysia at http://www.wellnessvisit.com also offers affordable accommodation and hotel packages. Excellent travel and tour options are abundant at destination Malaysia. Malaysia is blessed with crystal clear blue water beaches, lush green jungles and tropical rain forests. It has modern cities like Kuala Lumpur, Penang, Johor Baru. Malaysia has excellent infrastructure in place with best communication facilities. Malaysia is awaiting to welcome its guests from all over the world to enjoy the world class hospital, healthcare services, with English speaking staff and English speaking countrymen. Malaysia has many things to offer to its tourists not just health and wellness options but tourism, natural beauty, abundance of man made and natural places. Excellent food with variety from western to eastern taste and flavor. </p>
<p>Come visit Malaysia for Medical Tourism, cosmetic/ plastic surgery, enjoy holidays and spend some quality time. Wellness Visit is awaiting just one click away.</p>
<div>
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		<title>Getting Ready For Mexico</title>
		<link>http://www.healthinsuranceaustralia.info/getting-ready-for-mexico/</link>
		<comments>http://www.healthinsuranceaustralia.info/getting-ready-for-mexico/#comments</comments>
		<pubDate>Sat, 04 Sep 2010 09:46:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[Getting]]></category>
		<category><![CDATA[Mexico]]></category>
		<category><![CDATA[Ready]]></category>

		<guid isPermaLink="false">http://www.healthinsuranceaustralia.info/getting-ready-for-mexico/</guid>
		<description><![CDATA[<p>Getting Ready For Mexico</p>
<p>Preparation is the key to your safety when visiting Mexico. You should begin your vacation with a careful and well thought-out plan. Your plan should include your budget, where you will be staying, as well as important information and contact numbers in case there is an emergency.  </p>
<p>You should be current with your [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Getting Ready For Mexico</strong></p>
<p>Preparation is the key to your safety when visiting Mexico. You should begin your vacation with a careful and well thought-out plan. Your plan should include your budget, where you will be staying, as well as important information and contact numbers in case there is an emergency.  </p>
<p>You should be current with your immunizations before leaving the country and follow all safety precautions while in Mexico. You should also register with the United States Embassy and make sure that you leave a copy of your itinerary with a family member, close friend, co-worker, or neighbor. You may also want to consider registering with the United States Travel Registration, for added convenience. This can easily be done over the internet. This is an important precaution to take. It helps to notify the United States Government that you are leaving the country. By taking necessary precautions and planning your trip efficiently, you can ensure that your vacation will be what you expected, it will also help to eliminate the chances of a problem occurring. </p>
<p>Staying up to date on current events in Mexico is very important to timing your trip. You should begin watching the news and plan your trip based on what you see. If there are internal conflicts within the Mexican government, you may want to delay your trip for a period of time. You should also learn as much as you can about the country before you embark on your journey. Finding out the country&#8217;s weather and climate is extremely important to planning the perfect trip. Traveling to Mexico during hurricane season can put a damper on your vacation, so make sure that you keep this in mind when planning your Mexico vacation. </p>
<p>Before leaving, you are encouraged to find out as much information about the location of your trip, the culture, and customs. Another important step to take when preparing for your trip to Mexico is to check with the Consular Information Sheets. Consular Information Sheets are valuable resources that all tourists should examine. It will provide you with information that will give you all of the details that are applicable to traveling in Mexico. The sheets will give you emergency contact information, and describe the current conditions within the country.  </p>
<p>The importance of your passport cannot be overlooked. There are many places where your passport, along with other forms of identification will be needed. You should make copies of your passport and your tickets and leave them with a close friend or relative. In addition to your passport, you will also need other proper forms of identification. This identification most often is picture identification. </p>
<p>You will want to review your health insurance policy before you leave the country. Certain medical insurance programs will not provide services outside of the United States. If you become ill outside of the country and are not covered, you will be responsible for any bills that result. Some medical insurance policies will provide coverage for those outside of the country, but you should verify with your provider before your trip. If you travel frequently, it may be beneficial to add additional coverage to your current policy.  </p>
<p>The above mention tips and precautions are just a few of the many that can help you have the perfect vacation in Mexico. Properly preparing for your trip is the best way to prevent unnecessary problems from arising.</p>
<div>
<p>To read about <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.countries-facts.com/facts_about_china/facts_about_china.html">facts about China</a> and <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.countries-facts.com/africa_facts/africa_facts.html">Africa facts</a>, visit the <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.countries-facts.com">Countries Facts</a> site.</p>
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<p>Find More <a href="http://www.healthinsuranceaustralia.info/category/uncategorized/">Health Insurance Australia Articles</a></p>
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		<title>Healthcare Practitioners &#8211; What They do and Who to go to for Advice</title>
		<link>http://www.healthinsuranceaustralia.info/healthcare-practitioners-what-they-do-and-who-to-go-to-for-advice/</link>
		<comments>http://www.healthinsuranceaustralia.info/healthcare-practitioners-what-they-do-and-who-to-go-to-for-advice/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 21:40:52 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[Advice]]></category>
		<category><![CDATA[Healthcare]]></category>
		<category><![CDATA[Practitioners]]></category>
		<category><![CDATA[They]]></category>

		<guid isPermaLink="false">http://www.healthinsuranceaustralia.info/healthcare-practitioners-what-they-do-and-who-to-go-to-for-advice/</guid>
		<description><![CDATA[<p>Healthcare Practitioners &#8211; What They do and Who to go to for Advice</p>
<p>The healthcare industry is one of the biggest and most essential industries. It is also a multifaceted field with many different specialisations so you will find healthcare practitioners serving the public across a variety of disciplines. Getting the right healthcare advice for your medical [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Healthcare Practitioners &#8211; What They do and Who to go to for Advice</strong></p>
<p>The healthcare industry is one of the biggest and most essential industries. It is also a multifaceted field with many different specialisations so you will find healthcare practitioners serving the public across a variety of disciplines. Getting the right healthcare advice for your medical problems from the right healthcare practitioner is always important to your overall health and wellbeing. So which healthcare practitioner should you approach for what type of ailment? </p>
<p> If you need assistance and are seeking healthcare advice, the list below may be helpful. It details types of healthcare practitioners, gives their area of specialty, and suggests the types of facilities where you can find them in order to be treated. It is not a complete list – there are other medical professionals who may also offer various health services. </p>
<p><strong>Registered Nurse</strong> – cares and assists in the treatment of patients coping with a wide range of medical issues. This includes informing and educating patients and their families about the management of the patient&#8217;s care and offer support in dealing with the illnesses and injuries. Nurses play an absolutely essential role within the healthcare system and you may find registered nurses in hospitals, medical centres, nursing homes, and other facilities, including schools and prisons. </p>
<p><strong>Chiropractor</strong> &#8211; deals with problems of the spine and nervous system and helps to diagnose and treat patients. Chiropractors are a type of healthcare practitioner whose particular focus is the musculoskeletal system and problems associated with it. They often have private practices and may be found in clinics, hospitals, and associated with major sporting associations. </p>
<p><strong>Pharmacist</strong> &#8211; helps to prepare and dispense medication when you have a prescription to be filled. This healthcare practitioner educates patients, doctors and other healthcare professionals about dosages, side effects of the drugs, and interactions with other medications. Pharmacists may be found in hospitals, chemist shops or retail pharmacies, and within health agencies or health insurance companies. </p>
<p><strong>Dietician</strong> &#8211; advises patients and medical staff about the dietary needs of a patient, plans food and nutritional programs, and manages meal preparation. This type of healthcare practitioner works in the food services systems area of hospitals, nursing homes and schools, where they teach people about proper nutrition and better eating. A dietician also has an important role in monitoring patients receiving food intravenously or as liquids, particularly critically ill hospital patients. </p>
<p><strong>Psychologist</strong> &#8211; deals with mental development and how people behave and interact with others and the environment. It involves observation and interpretation of behaviour and creating treatment plans to help individuals. A psychologist works in hospitals, schools, clinics and private practice settings. </p>
<p><strong>Surgical nurse</strong> &#8211; provides care for patients before, during and after surgery. This involves mental and physical preparation prior to the surgery, assisting the surgeon during an operation, and helping with after -surgery care, for example, as the patients comes out of a general anaesthetic. Surgical nurses (and critical care nurses) undertake special training and are highly educated healthcare professionals. The typical setting for a surgical nurse is the hospital operating theatre. </p>
<p><strong>Orthopedist</strong> &#8211; is a specialist who treats and helps to correct malformation of bones, and injury or diseases of the bones and joints such as bone fractures. The work setting for an orthopedist is often at a hospital or private practice. </p>
<p><strong>Speech therapist</strong> &#8211; helps to diagnose, treat and reduce the impact of speech disorders, including swallowing, language, communication and fluency. They evaluate patients and develop care plans to treat them. The usual setting for this type of healthcare provider is the hospital and private practice. Some Government-run hearing centres also employ speech therapists. </p>
<p><strong>Physical therapist</strong> &#8211; works with patients of all ages who have health-related issues that are effecting their muscle development and movement, including injuries. They provide therapy to assist patients with their mobility and manage everyday activities. Physical therapists work in hospitals, rehabilitation centres, nursing homes and in private practice. </p>
<p><strong>Optometrist</strong> &#8211; cares for people&#8217;s vision and this includes examining eyes, evaluating eyesight, testing for diseases and diagnosing vision problems. These healthcare practitioners may also prescribe contact lenses and eyeglasses and many work in private practice. </p>
<div>
<p><strong>RESOURCE / AUTHOR BIOGRPAHY</strong><br /> Chelsi Woolz enjoys writing about <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.priceline.com.au">health and beauty</a> and thought this list of <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.priceline.com.au/Health">healthcare practitioners</a> would be handy for some people trying to navigate the healthcare system.</p>
</div>
<p>Find More <a href="http://www.healthinsuranceaustralia.info/category/uncategorized/">Health Insurance Australia Articles</a></p>
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		<title>Australian Married Name Change Checklist</title>
		<link>http://www.healthinsuranceaustralia.info/australian-married-name-change-checklist/</link>
		<comments>http://www.healthinsuranceaustralia.info/australian-married-name-change-checklist/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 09:43:54 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[Australian]]></category>
		<category><![CDATA[Change]]></category>
		<category><![CDATA[Checklist]]></category>
		<category><![CDATA[Married]]></category>
		<category><![CDATA[Name]]></category>

		<guid isPermaLink="false">http://www.healthinsuranceaustralia.info/australian-married-name-change-checklist/</guid>
		<description><![CDATA[<p>Australian Married Name Change Checklist</p>
<p>One of the final decisions you will make from your wedding will be your new name.  There is surprisingly little information available, and what you can trawl through on the internet is not always relevant or consistent.  It can be difficult to know how to approach this daunting task and to understand [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Australian Married Name Change Checklist</strong></p>
<p>One of the final decisions you will make from your wedding will be your new name.  There is surprisingly little information available, and what you can trawl through on the internet is not always relevant or consistent.  It can be difficult to know how to approach this daunting task and to understand the procedures various companies have around name changes.  Rest assured there is a simple way to approach your upcoming name change.</p>
<p>Before you head off to get married let your boss know of your new name in advance.  They can order new business cards and set any accounts or programs in your new name while you are on leave so it’s ready to go upon your return.</p>
<p>Once you are married you will be issued with a marriage certificate.  The certificate issued on the day of your wedding is missing certain security features that banks and the passport office require to authorise your name change.  You will need to apply for your full marriage certificate from the Registry of Births, Deaths and Marriages in the state where you were married.  Once you have this certificate virtually every Australian company will accept this as evidence of your new name.</p>
<p>Next you should make a full list of all the companies where you have an membership or account We’ve provided a detailed list to help get you started with this:</p>
<p> Medicare Health insurance (don’t forget to add your partner to your policy!) Passport office Motor Vehicle Agency (Drivers Licence &amp; car registration) Utilities (gas, electricity, water) Communications (home phone, mobile, internet, cable TV) Bank (savings, mortgage) Other financial institutions (credit cards, store cards, student loans, leasing companies) Insurance (home, vehicle, income protection, Life. Change your beneficiary if relevant) Electoral Roll  Organ donor Sports clubs  Professional memberships Superannuation Alumni associations Online accounts – ebay, paypal, facebook, myspace Property titles Loyalty clubs (frequent flyers, hotel rewards, shopping rewards)  Road toll accounts Landlord Voicemail
<p>Other companies, such as gyms, health care providers and video memberships tend to have decentralised databases and can simply be updated next time you visit.  IN some cases it may not matter if you update your name at all.</p>
<p>If you are flying anywhere after your wedding be careful what name you book tickets under.  Unless you plan to travel at least 2 months after your wedding and you trust yourself to be very organised in updating your identification you are best to book any plane tickets under your current name.   In the case of international travel, passports can take up to 6 weeks to be changed.  Domestic flights only require government issue photo ID such as a drivers licence, however it still may take you a few weeks to get down to the motor vehicle office to have your licence updated. Airlines can change the name on a plane ticket if booked in error but it can be a bureaucratic inconvenience with you needing to send in your plane tickets to be reissued, along with a letter and a copy of your marriage certificate and can take a few weeks.  Play it safe and just book tickets under your current name.</p>
<p>Each company has the right to set their own name change requirement and procedures.  You should contact each company to ask what their requirements are, ask their mailing address, supporting document requirements and if the documents need to be certified.  You will most often be asked to put your name change request in writing.  As the average bride has around 20 companies to contact this will take over half a day to organise. <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.easynamechange.com.au"> Easy Name Change</a> is a great resource for knowing what to send, where to send your information and what documents to send.  For more information check out <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.easynamechange.com.au">www.easynamechange.com.au</a></p>
<p>Easy Name Change also has heaps of other useful information on name change, including your married name options, how to get documents certified, keeping your maiden name at work and husband’s rights for name change.</p>
<div>
<p><a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.easynamechange.com.au">Easy Name Change</a> was created by Genevieve Dennis, who after spending several weekends going through her own name change process decided to help other new brides through the task by creating a selection of step by step <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.easynamechange.com.au/name-change-kits">name change kits</a> to suit any budget. The service also helps those who are changing their name after seperation, divorce or simply for those who are changing their names legally for personal reasons. Genevieve Dennis has been heard on Melbourne&#8217;s ABC News Radio &amp; has been covered in Melbourne&#8217;s Herald Sun Newspaper reporting on marriage name change trends.</p>
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		<title>Have you protected your most valuable asset?</title>
		<link>http://www.healthinsuranceaustralia.info/have-you-protected-your-most-valuable-asset/</link>
		<comments>http://www.healthinsuranceaustralia.info/have-you-protected-your-most-valuable-asset/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 21:44:23 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[asset]]></category>
		<category><![CDATA[most]]></category>
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		<category><![CDATA[valuable]]></category>

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		<description><![CDATA[<p>Have you protected your most valuable asset?</p>
<p>Most people insure their motor vehicles, their homes and their home contents. These are valuable assets that, in the event of various catastrophes, they want to be able to replace or repair without significant financial loss.</p>
<p>But when it comes to what is many people&#8217;s most valuable asset – their ability [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Have you protected your most valuable asset?</strong></p>
<p>Most people insure their motor vehicles, their homes and their home contents. These are valuable assets that, in the event of various catastrophes, they want to be able to replace or repair without significant financial loss.</p>
<p>But when it comes to what is many people&#8217;s<a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.wealthfoundations.com.au/blog/the-secret-to-wealth-creation/#more-391"> most valuable asset</a> – their ability to earn future income – they are woefully positioned to cope financially with catastrophe. Research completed in 2006 indicated that only 55% of Australian families had any life insurance, with an even lower 31% having income protection.</p>
<p> Even for those with some personal risk protection, the amount of cover is generally inadequate. There are numerous reasons for this unwillingness to adequately insure, including such &#8220;rationalisations&#8221; as:</p>
<p>I&#8217;d prefer not to think about negative possibilities;<br />
I&#8217;m healthy, it won&#8217;t happen to me;<br />
I&#8217;m covered by my super, workers compensation, health insurance, &#8220;the government&#8221; etc;<br />
Insurance is just too expensive.</p>
<p>We help our clients achieve their version of financial independence. But no family can ever consider itself financially independent if the death or disability of a family member requires a significant adverse change in lifestyle expectations, due to inadequate financial resources.</p>
<p>The reality is that many families, particularly those with breadwinners early in their careers, <strong>just cannot afford not to purchase personal risk insurance.</strong> And sometimes lot&#8217;s of it, as we discuss in the case study below.</p>
<p><strong>A life insurance case study</strong></p>
<p>Let&#8217;s consider the hypothetical case of Mr John Professional. John is 35 years old and intends to work until age 65. He is the expected sole income earner in his family, also comprising his wife and two young children. The Professionals currently have no <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.wealthfoundations.com.au/blog/how-far-to-financial-freedom/#more-327">net investment wealth</a> – all their current wealth is tied up in lifestyle assets (i.e. residence, cars etc).</p>
<p>Listed below are some other assumptions relevant to considering John&#8217;s life insurance requirements:</p>
<p>Current income after-tax (in today&#8217;s dollars):<br />
0,000 p.a.</p>
<p>Growth in after-tax income (after-inflation):<br />
1.50% p.a.</p>
<p>Family lifestyle expenditure (in today&#8217;s dollars):<br />
0,000 p.a.</p>
<p>Retirement expenditure (in today&#8217;s dollars):<br />
75% of pre-retirement expenditure</p>
<p>Growth in expenditure (after-inflation):<br />
1% p.a.</p>
<p>Family expenditure if John dies:<br />
80% of Family lifestyle expenditure estimate</p>
<p>Investment return (After-tax and inflation):<br />
3% p.a.</p>
<p> </p>
<p>The following chart shows what happens to income, expenditure and investment wealth, assuming the Professionals&#8217; lifestyle expectations are not affected by personal catastrophe.</p>
<p> </p>
<div>
<p>Wealth Foundations is an independently owned personal financial advisory firm that offers wealth management and strategic financial planning services. For more information, visit <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.wealthfoundations.com.au">Wealth Advisers</a></p>
<p>.</p>
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		<title>Choosing Quality International Dental Care Abroad</title>
		<link>http://www.healthinsuranceaustralia.info/choosing-quality-international-dental-care-abroad/</link>
		<comments>http://www.healthinsuranceaustralia.info/choosing-quality-international-dental-care-abroad/#comments</comments>
		<pubDate>Thu, 02 Sep 2010 09:52:44 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[Abroad]]></category>
		<category><![CDATA[care]]></category>
		<category><![CDATA[Choosing]]></category>
		<category><![CDATA[Dental]]></category>
		<category><![CDATA[International]]></category>
		<category><![CDATA[Quality]]></category>

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		<description><![CDATA[<p>Choosing Quality International Dental Care Abroad</p>
<p>These days, the concept of medical tourism has expanded and grown in demand as escalating healthcare costs and a shaky economy prevent many Americans from seeking much-needed dental treatments and procedures in the United States.</p>
<p> </p>
<p>Venturing abroad for high quality dental care has become a very viable option for many. International patients [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Choosing Quality International Dental Care Abroad</strong></p>
<p>These days, the concept of medical tourism has expanded and grown in demand as escalating healthcare costs and a shaky economy prevent many Americans from seeking much-needed dental treatments and procedures in the United States.</p>
<p> </p>
<p>Venturing abroad for high quality dental care has become a very viable option for many. International patients traveling to foreign destinations such as Mexico, Poland, Asia, and South America are able to save thousands of dollars on similar dental procedures in the United States. Lower costs are not at all due to less experienced providers or quality of care, but because dental providers in foreign countries are not burdened under the enormous obligation of carrying astronomical medical malpractice insurance as those found in the United States.</p>
<p> </p>
<p>Choosing quality international dental care abroad takes some time and effort. Some of the most important things for consumers to look for in foreign destinations are quality in sterilization and sanitation, quality assurance, accreditation, certification, and credentialing.</p>
<p> </p>
<p>Consumer information collected in easy-to-read dental guide packets or guides offer consumers information regarding the experience, technology of facilities and accreditation, experience and expertise of staff in foreign destinations. Many Americans or other citizens from around the world demand and deserve transparency in all medical and healthcare fields. Consumer information guides are especially valuable for Americans traveling south of the border for dental care.</p>
<p> </p>
<p><strong>Questions to Ask International Providers</strong><br /> A multitude of general questions might be asked of international providers, whether you&#8217;re looking for dental work in Hungary or for teeth whitening procedures in Thailand. Some of these basic questions include but are not limited to:</p>
<p> </p>
<p>Are your facilities accredited by Boards of Hospitals in the country of origin, or are they JCI or internationally accredited?<br />
Are dentists, oral surgeons and staff at your dental facility certified in techniques and procedures you&#8217;ll need?<br />
How much experience do you have in these techniques?<br />
Are before and after pictures available, as well as patient testimonials that I can verify?<br />
Do you belong to native or international organizations or associations in your field of expertise and can you verify that?</p>
<p> </p>
<p><strong>Ensuring Quality</strong><br /> when looking for foreign dental healthcare providers, consumers should look for those who have internationally respected credentials or those who have staff trained in Europe, Australia, or the United States. However, medical standards in such countries as China, Japan, Thailand and Singapore are extremely competitive and offer assurance that surgeons are highly trained and skilled. The Joint Commission International accredits many foreign hospitals, as well as those who are accredited by the International Standards Organization. Many such dentists and dental professionals have been trained and hold accreditation by the American Dental Association, or for the purposes of the examples provided, the FDI or Hungarian Dental Association, or the Dental Association of Thailand.</p>
<p> </p>
<p>Dentists and dental facilities who have undergone quality assurance audits by United States-based insurance carriers offer peace of mind. Many health insurance policies are beginning to offer coverage or reimbursement for beyond-borders medical care in many fields including dental care. Dental offices that carry malpractice insurance are especially popular in Mexico and South America.</p>
<p> </p>
<p>Knowledge of Dental Association certification, labs, education and training, and state-of-the-art equipment and procedures approved of in international destinations may take some of the concern and worry out of international travel for dental needs for many Americans and other international travelers.</p>
<p> </p>
<p><strong>Resources</strong><br /> Take the time to access resources such as the FDI World Dental Federation or the International and Foreign Directories provided by the American Dental Association that will display dentists around the world who belong to the ADA.</p>
<div>
<p>MEDTRAVEL Ecuador, your medical travel partner, gives you the opportunity to receive top quality <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.placidway.com/search/South%20America,Dentistry,/search.html">dental surgery</a> and <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.placidway.com/search/South%20America,Dentistry,/search.html">dental care</a> while enjoying a holiday in Quito with the additional option of travel within Ecuador.</p>
</div>
<p>More <a href="http://www.healthinsuranceaustralia.info/category/uncategorized/">Health Insurance Australia Articles</a></p>
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		<title>A problem in one area of a child life</title>
		<link>http://www.healthinsuranceaustralia.info/a-problem-in-one-area-of-a-child-life/</link>
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		<pubDate>Wed, 01 Sep 2010 22:03:36 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[area]]></category>
		<category><![CDATA[Child]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[problem]]></category>

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		<description><![CDATA[<p>A problem in one area of a child life</p>
<p>Family health problems can cover a multitude of common complaints and ailments. This article is not meant to replace medical advice, and you should always seek medical advice if you are concerned about the health of your child or another family member.Having good child health insurance will allow [...]]]></description>
			<content:encoded><![CDATA[<p><strong>A problem in one area of a child life</strong></p>
<p>Family health problems can cover a multitude of common complaints and ailments. This article is not meant to replace medical advice, and you should always seek medical advice if you are concerned about the health of your child or another family member.Having good child health insurance will allow you to make sure your child gets all the preventative care that he or she needs. And if anything unfortunate does happen, good health insurance coverage will help you to get the best medical attention you can, giving your child the best chance at a full recovery and a healthy life.A health problem, such as a vision or hearing impairment, asthma or a learning disability can be responsible for some child behavioral problems. A problem in one area of a child life may cause difficulty in another area. Behavior problems can impact academic achievement and adjustment. Identifying and treating the problems at a young age could prevent difficulties in school down the road.</p>
<p>Problems such as back ache, head ache, joints pain, weak eyesight etc are usually found in people. These are treated either by taking medicines that are not prescribed or are ignored completely. But we tend to forget that these are the first step to the bigger problems and diseases.In order to support the child&#8217;s growth and bone formation, many parents give their young, calcium, under various forms. What most people don&#8217;t know is that chemically processed calcium is more difficultly assimilated by the system, consuming essential cellular enzymes in the process. Hence, it is highly advisable to use organic mineral supplements such as oyster calcium, which is an organic extract from the shell of sea creatures. Keep in mind that all calcium treatments require vitamins C and D for the assimilation. Fish is an excellent source of vitamin D, not to mention that sun exposure accelerates the process.&lt;</p>
<p>Physical activity is no longer required to carry out many tasks, as was once the case. In the home, school and workplace, technology has reduced physical activity to a minimum. This progressive reduction in muscle power required to carry out almost any daily task has, in effect, reduced our daily calorie intake requirements dramatically over the last few decades. If this trend continues it surely will only magnify the obesity problem.The culture one lives in is extremely important to consider when looking at all the health problems associated with weight. A look into the health of two ethnic groups located in Queensland, Australia, who migrated from the Pacific Islands, the Samoans and Tongans, show some interesting things regarding health and weight. (Queensland Samoa). The Samoans and Tongans are an interesting group to look at because, according to the Queensland Government, &#8220;Mortality rates for those born in the Pacific Islands are higher than for other Australians.The Samoans, loaded with foods containing cholesterol and saturated fat, seem to be considered the most overweight culture in the world. The Italians, with their Mediterranean diet, are leading the way for health. Americans, with our vast resources and wealth, have a culture that loves the wrong types of food. As a result, we have a very high obesity rate.           </p>
<div>
<p>Oli works full time as a Market Analyst.He graduated in Management.He can help you to grow your computer consulting. For more on teaching and education, be sure to check out the website. Involved in FREE advertisement for all kind of online businesses. Everyone needs business exposure. There&#8217;s FREE advertising gift for your business.</p>
<p>http://www.moneybizhome.com/</p>
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		<title>Over 180,000 Students From Different Countries Look Forward for an Australian Education</title>
		<link>http://www.healthinsuranceaustralia.info/over-180000-students-from-different-countries-look-forward-for-an-australian-education/</link>
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		<pubDate>Wed, 01 Sep 2010 14:11:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[180000]]></category>
		<category><![CDATA[Australian]]></category>
		<category><![CDATA[Countries]]></category>
		<category><![CDATA[Different]]></category>
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		<description><![CDATA[<p>Over 180,000 Students From Different Countries Look Forward for an Australian Education</p>
<p>They flock the country with an expectancy to get the best education from a reputed first-class education provider. Each with armed plans to pursue internationally acclaimed courses in a progressive, dynamic and conducive learning environment.</p>
<p>Aside from being a nice place to get a first class [...]]]></description>
			<content:encoded><![CDATA[<p><strong>Over 180,000 Students From Different Countries Look Forward for an Australian Education</strong></p>
<p>They flock the country with an expectancy to get the best education from a reputed first-class education provider. Each with armed plans to pursue internationally acclaimed courses in a progressive, dynamic and conducive learning environment.</p>
<p>Aside from being a nice place to get a first class education, it is a great place to live. The place has a reputation of being one of the most amiable countries in the world, which is at the same time, safe, fresh, clean and has a low crime rate. Australian lifestyle is also one of the best in the world.<br />prawled cities are rated as the most sought after places to live. Looking at the cost of living, research found that the country appears with cities Melbourne and Sydney to be numbers 15th and 36th of the most expensive cities to live. London is ranked 3rd while new York is in number 22. The economy is strong with low employment rate. This implies that international students who wish to work won&#8217;t be having problems landing for one.</p>
<p>Most Australian educational institutions give liberty to students to do independent learning. The approach is more flexible honing up the character of being responsible in meeting the necessary requirements demanded by the course. For some students who fail to meet the deadline of submissions, they won&#8217;t be bothered being chase after for late requirements. The method of learning is a mixture of tutorial, laboratory and practical sessions. This method has lesser contact hours and invites an avenue for a more self-directed task. Students will be trained to work independently with minimal supervision. However, for tutorial discussion, they experience a more active and vocal interaction.</p>
<p>The casual and relaxed attitude of studying does not imply playing hooky and being irresponsible. The method is purposely to develop a well trained independent learner. Inside the rooms, students call their teachers and lecturers not by titles instead by their first names. Since Australians look after themselves as an “egalitarian nation”, it means everybody is in equal footing. No one is treated with a special attention. International students having trouble during the transition period have lots of ways to seek help. Universities and educational institutions have international student offices where counselors can help directly in learning to cope. Seminars and special lectures are help to help improve conversational English as well as other related academic subject areas.</p>
<p>To avail an application to study in Australia, it can be made directly to the school the student intends to study or through and agent or counselor in the student&#8217;s country. Every institution has its own unique set of requirements for application depending on the courses of study. Education adviser can assist with enrollment and visa application. List of the sets of requirements can be obtained from Education Centers or the Australian Embassy.</p>
<p>The process of application should begin about twelve months before the intended enrollment. Students who are waiting for results from final examinations are given provisional acceptance which is base on the student&#8217;s past scholastic performance. These details should be supplied when applying for admission to an institution:</p>
<p>A detailed account of previous study in full, attached with copies of qualifications already awarded.<br />An evidence of an English language proficiency. (that is, appropriate IELTS score or as accepted by the institution)<br />An evidence of sufficient funds to cover all costs in line with the period of study<br />The application forms and supporting documents are given to either a local agent or directly to school. Once the application is accepted, the enrolling institution will send a letter offering a place in the chosen field and requesting a partial payment of the tuition fee and health insurance. Once these are settled, the school will issue a Confirmation of Enrollment (eCoE). This evidence the qualification for applying for a student visa.</p>
<p>Myrthle Robillos &#8211; National Visas</p>
<p>&#8212;<br />http://www.nationalvisas.com.au<br />http://www.nationalvisas.com.au/blog<br />http://australiavisas.blogspot.com/</p>
<div>
<p>Myrthle Robillos &#8211; National Visas</p>
<p><b><a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.nationalvisas.com.au/">Australia Visa and Immigration</a></b>||<b><a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.nationalvisas.com.au/student/studentvisas.htm">Australian Student Visa </a></b>||<b><a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://www.nationalvisas.com.au/assess/index.php?assessment_type=student&amp;assessment_version=0.1">Study in Australia</a></b></p>
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		<title>THE DANGER OF DRINKING TEA</title>
		<link>http://www.healthinsuranceaustralia.info/the-danger-of-drinking-tea/</link>
		<comments>http://www.healthinsuranceaustralia.info/the-danger-of-drinking-tea/#comments</comments>
		<pubDate>Wed, 01 Sep 2010 05:16:56 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Health Insurance Australia | Australia Health Insurance]]></category>
		<category><![CDATA[DANGER]]></category>
		<category><![CDATA[DRINKING]]></category>

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		<description><![CDATA[<p>THE DANGER OF DRINKING TEA</p>
<p>We all know that the British love their tea. Can you imagine the uproar in the UK and amongst Brits all over the world when  the British Medical Journal revealed some interesting and maybe controversial findings? Scientists discovered that drinking a steaming cup of tea can significantly spike your chances of esophageal [...]]]></description>
			<content:encoded><![CDATA[<p><strong>THE DANGER OF DRINKING TEA</strong></p>
<p>We all know that the British love their tea. Can you imagine the uproar in the UK and amongst Brits all over the world when <a rel="nofollow" onclick="javascript:_gaq.push(['_trackPageview', '/outgoing/article_exit_link']);" href="http://news.bbc.co.uk/2/hi/health/7965380.stm" target="_blank"> the British Medical Journal</a> revealed some interesting and maybe controversial findings? <br />Scientists discovered that drinking a steaming cup of tea can significantly spike your chances of esophageal cancer. Compared with drinking warm or lukewarm tea, hot tea was associated with doubling the risk of the throat cancer, and very hot tea was associated with an eight-fold increased risk. The quicker the cups were consumed, the greater the odds for the person getting sick became.</p>
<p>In an accompanying editorial in the journal, Dr. David Whiteman, M.D., from the Queensland Institute of Medical Research in Australia states: “The mechanism through which heat promotes the development of tumors warrants further exploration and might be given renewed impetus on the basis of these findings.”</p>
<p>Dr. Whiteman advises tea-drinkers to simply wait a few minutes for their brew to cool from “scalding” to “tolerable.” Or, you can add milk to the tea, which will cause its temperature to drop quickly.</p>
<p>So, there is still a chance if you just have some patience, or add milk to your tea, you should be safe, what a relief then?</p>
<p>However, wait a minute now; here comes another revelation for those who swear to the health insurance of drinking green tea. So given that we have found a solution for those tea drinkers who use black tea, it now remains to see what is in store for the green tea drinkers.</p>
<p>Most people think of the positive effects of green tea. However, while this type of tea does offer some excellent benefits, many directly related to health, it is also important to understand there are some negative effects of green tea leaves. Just as with many foods and drinks we consume, green tea may not be good for everyone. Therefore, we will address some of the negative effects of green tea leaves so you can determine if this is right for you.</p>
<p>Green tea comes from a bush in the Camellia family, which is why the official name for green tea is Camellia sinensis. Today, green tea is grown in more than 50 countries to include Argentina, Brazil, and Russia, among others.</p>
<p>Study after study shows positive effects on the body, meaning the negative effects of green tea leaves is minimal. For instance, green tea contains powerful antioxidants that have been proven to help fight various forms of cancer, as well as tooth decay, obesity, high cholesterol, and heart disease. Because of the amazing benefits, the level of consumption for green tea has skyrocketed throughout the globe.</p>
<p>When it comes to the negative effects of green tea leaves, an alert has to be given to pregnant women. Although most doctors agree that a small consumption of green tea is fine but when large amounts are consumed, caffeine can increase the risk of spontaneous abortion, low birth rate, and even growth retardation. Keep in mind that these risks are associated with the beverage of green tea, as well as supplements.</p>
<p>EGCG molecules, which are similar to a methotrexate compound, work by fighting off cancer cells by bonding with the dihydrofolate reductase enzyme, which is good in non-pregnant women. However, in pregnant women, the negative effects of green tea leaves involves involve the epigallocatechins, otherwise known as EGCG. In this situation, EGCG can affect the way in which the body uses folate, which is vital in the prevention of neural tube birth defects.</p>
<p>Nursing women should also consider the negative effects of green lea leaves. Remember, green tea is high in caffeine. Therefore, a woman who is breastfeeding and consuming green tea would be passing the caffeine on to the baby. Even small amounts or green tea powder used for baking, smoothies, and other foods should be avoided while nursing a baby.</p>
<p>In addition, negative effects of green tea leaves would link to individuals who have allergies. In this case, someone who is caffeine sensitive could develop problems such as hives and rash from consuming green tea. With caffeine being a stimulant that affects the central nervous system, other problems could result such as insomnia, excessive urination, reduction of potassium levels, and even incontinence.</p>
<p>Many population studies documenting green tea health benefits are based in Asia, where people typically drink 3 cups a day. The United Kingdom Tea Council recommends drinking up to <strong>6 cups </strong>a day.<br />What can go wrong with drinking too much green tea? Three reasons: caffeine intolerance, minerals overdose and various side effects.</p>
<p>We can take precautions against various side effects like indigestion and reduction in absorption of non-heme iron by avoiding tea drinking around mealtimes or on empty stomach.</p>
<p>We do not want to spoil the pleasure of an afternoon tea so please, enjoy your tea, whether it’s the black or green version.</p>
<p>One last word;</p>
<p>Taking any healthy food excessively and it is likely to turn into a poison.</p>
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<p>He has a background as civil engineer and geoscientist. He has worked mainly within the oil and gas industry from the mid 1980s. He has written a few fictional novels as well as being the author of some professional litterature within oil and gas sector, he is now an editor of some web sites.</p>
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