Leading a Healthy Life with the Help of DNA Testing

Leading a Healthy Life with the Help of DNA Testing

Tests have become a part of the medical field because only with the help of tests, physicians and healthcare professionals diagnose diseases and try to provide the right type of treatments. There is another very important benefit from tests and especially, DNA testing and it is this test can help you lead a healthy life. Let us delve deep into this so you can keep a few points in mind while deciding whether to go for a DNA test.

Benefits of a DNA test

1. With the help of a DNA test, you can know how your body will respond to various types of foods and exercises. Simply put, it is your gene that determines the way your body responds to the foods you consume and the workouts you do. If you get your DNA tested, you can go for a uniquely customized diet regimen as well as an exercise regimen that suits you. This also means that by choosing a diet regimen or a workout regimen that is perfectly suited to you, you will be able to increase their efficacy by several notches.

Researchers have proved that by getting a mouth swab carried out as soon as you wake up in the morning and before you venture into the task of brushing of your teeth, scan gene variants and more specifically, 45 of them, can be scanned so the response of your body to various types of foods and exercises can be found. You can find out the sensitivity of your body to carbohydrates, saturated fats, salt, gluten and lactose. You can also find out your intolerance risk towards items such as gluten. The test will help you know your needs of vitamins and anti-oxidants and also your caffeine metabolism and alcohol metabolism.

2. If you are a fitness freak, you can find out if you can go for endurance sports such as swimming, running or cycling or choose power sports such as weight-lifting or sprinting. The test will help you know your Vo2 max or the aerobic potential. You may wonder what benefits you will derive by knowing these facts. The answer to this question is that they will let you find out how quickly your body can recover from your workouts.

Fitness experts nowadays insist on recovery of the body after workouts because only if your body fully recovers from the stress of your strenuous workout, you can carry on with your day-to-day work. Not only that, if you allow your body to remain fatigued after a strenuous workout, you will not be able to do your workouts during the next sessions.

Are DNA tests accurate so you can have the diet and workout regimens that are best-suited to you?

Experts opine that the results of a DNA test that is targeted towards the aim of customizing a suitable diet regimen or a workout regimen are fairly accurate. For example, the test will help in knowing the response of the body of a person to saturated fats. For this, the test has to focus on the “fat gene” or the FTO gene, in which there are three types.

Researchers have found that the body of those people who have the AA variant may store body fat more readily when they consume saturated fats. On the contrary, those with the AT type of the fat gene are only moderately sensitive which means their body may not readily store fat when they consume saturated fats. But the folks who have the TT type are the blessed because their body may have a very low sensitivity which means their body may not store fat even when they consume saturated fats.

Similarly, DNA testing can help in finding the response of your body to other types of foods and other types of activities as well. This means you can use the results of a DNA test for designing a suitable fitness regimen as well as a diet regimen so you can lead a healthy life.

Procedure to file a Public Liability Insurance claim in Singapore

Procedure to file a Public Liability Insurance claim in Singapore

Public liability insurance is a commercial type of insurance that offers protection from lawsuits that a customer or a third party might file against a business for causing personal injuries or damage to their property. For example, a company damages an expensive piece of furniture while renovating a customer’s house. The customer can sue the company for the cost of the furniture. Another example of public liability is when a customer slips and falls on the wet floor of a retail store and suffers an injury. In the case where the injury affects the customer’s daily routine, a lawsuit can be filed against the retail store, claiming damages.

Before purchasing public liability insurance, it is an excellent strategy to take the following measures to reduce the risk of facing a public liability.

  • Develop a set of safety procedures and document them. An organised set of safety procedures reduces the risk of public liability and, in the event of any unfortunate incident resulting in the filing of a lawsuit, shows that the defendant has been taking appropriate measures to ensure public safety.
  • Train your employees to follow the safety procedures effectively.
  • Use equipment that is of the best available quality.
  • Obtain a license to do a job that requires a license.

In spite of the best safety procedures, an incident can occur that leads to the filing of a public liability lawsuit. A public liability insurance policy that offers the best protection for the risks faced by your business will help build customer confidence. If anything unfortunate happens, the customer is assured that adequate compensation is available. Also the damages to be paid in a public liability lawsuit can be very high.

After any incident that requires the filing of a claim to obtain public liability insurance Singapore, notify the insurance company immediately. Contact the police if there is a possibility that a crime has occurred.

Provide the following documents as required to the insurance company while submitting the claim form:

  1. Incident report
  2. Police report
  3. Colour photographs of property that is damaged and the location where the incident took place.
  4. CCTV footage of the incident, if available
  5. Letter of intention to claim from the third party claimant.
  6. Writ of Summons
  7. If the damaged property has been repaired, the invoice from the repairing company.

 

It is crucial to remember not to admit any liability before obtaining the written consent of the insurance company. Avoid discussing anything related to liability with the third party without a legal representative.

Keep your Premiums up to Date

Keep your Premiums up to Date

Forgetting to pay for a service that is due for a renewal can cause financial stress down the line. For instance, if your premiums are not paid on time, you can lose out in case of an emergency. Most insurance providers ping their clients with a reminder, but in case you do not get the reminder in time, keep a diary so that you are not caught on the wrong foot. In the case of professional indemnity insurance for a small or big business, it is vital to pay the premiums on time.

You never know who can slap you with a claim, leaving you and the business vulnerable and open to a lousy rep and financial ruin. It does take time to get the policy right, and while the premiums can get high, it is advantageous to renew them in time. An attitude of ‘this may not happen to me so why pay for something that is unnecessary’ is so wrong, because you just never know what is lurking out there. By keeping your eye on the ball, you will be prepared for any bad press, which is essential today. 

A professional indemnity insurance policy keeps the business in check from prospective claims, should they arise. Quite a number of people make it their business to file claims against a firm because of a number of reasons. Instead of finding yourself or the business in the line of fire, it is better to stay on point. Breach of contract or improper advice by a service provider to a client is a cause where the individual or business can file a claim. Aside from the fact that the damages may hit the ceiling, running from pillar to post to get suitable counsel can take a lot out of you.

Being prudent with keeping your business taken care of with the right insurance policy as detailed on the website www.allegiance.com.sg will keep you free from facing crazy economic losses. Naturally, one may say that if the advice given was good advice, why worry about a lawsuit? Many businesses have faced the wrath of employees who have filed cases against them for a variety of reasons. This opens the doors to an out-of-court settlement so that the firm does not have to deal with unnecessary negative publicity. With the right insurance cover in place, the business can protect itself without going south.professional_indemnity_insurance_main_banner_1_v2

Different Terms In Marine Insurance That Are Interesting To Know

Different Terms In Marine Insurance That Are Interesting To Know

Like any other subject, the insurance is an ocean to learn. For someone who is new to this kind of business, where the trade has to happen between nations as sea or ocean as the medium of transport, there are numerous words to learn from the dictionary of marine insurance. Enhance your business vocabulary with a few terms related to this subject. Who knows, they might come handy as and when required in a situation that meets with the venture over marine.

Interesting terminology – Few of these terms might sound so general, it feels like it was used on regular basis. But, try finding the meanings related to marine insurance which might help in coping up the scenario.

The terms are ATL – A- Actual, T-Total, L-Loss, CTL – C-Constructive, T-Total, L-Loss, General average, average, franchise, co-insurance, retention, deductible, and excess.

Learn in-depth

ATL and CTL are useful in determining the loss that happened to a cargo, and these two acts act as proof to separate the loss. Actual Loss is when the damage happened is equal to the value or exceeds from real property value. Constructive loss is when both the cost of loss and salvage together can match the value or exceed. It helps in proper assessment of the damage happened in a situation.

Actual Total Loss = [Cost of damage or loss > (or) = property value] Constructive Total Loss = [Cost of (repairs + salvage) > (or) = property value]

General average – It is different from the department that covers marine insurance. To declare general average, there should be some event that has happened out of the ship owner’s control, voluntary sacrifice, some of the property saved. It is a typical clause provided for such a situation.

Average – Average can identify if a good is insured lesser than it’s worth. It can reduce payable amount of the claim.

Excess – In a situation where loss happens, the amount that is payable by the insurance.

Franchise – It is the least amount of damage or loss that should be paid by the policy holder even before the insurance company covers the policy limit.

Co-insurance – This is an amount that should be paid by the individual for any type of service provided by the respective insurance company after paying the deductible.

Retention – In case of no-insurance for the loss happened, assumption of risk is termed as retention.

Deductible – Before an insurer pays the coverage of the claim, some amount needs to be paid by the individual for the loss.

Meaning of Corporate Insurance

Meaning of Corporate Insurance

Imagine a situation where you suddenly find that you have lost all your money. Imagine a situation where you realize that your business is running at a loss and you are in dire need of finances to keep it afloat. Imagine a situation where you have met with an accident or is going through a prolonged treatment and you need a constant flow of cash to ensure that the treatment does not face any impediment. How do you ensure that you always have a financial support system, both personally and professionally? It is in such situations that you need an insurance. An insurance is a way of protecting yourself from financial loss.

A legal entity that provides the insurance is usually known as the insurer. It is also known as an insurance agency or insurance company. The person or company that buys the insurance is known as the policyholder as the person or company is duly insured. The insured pays a small amount as interest to the insurer with the assurance that in case of monetary loss, the insurer will compensate the insured. The small amount that is paid like an interest is known as the premium.

Corporate Insurance:

A corporate insurance is an insurance that protects business from financial losses due to some unforeseen circumstances that may take place during the course of the business. In corporate insurance coverage, there are different types of insurance that cover different types of monetary damage, like legal liability, damage to property, risks that may be posed to the employees during their tenure in the company

In places where there is a lot of business happening, there are many agencies that provide corporate insurance. Corporate insurance in Singapore is very common. There are many companies, big and small, that operate from Singapore. They are dealing with huge amount of capital investments and revenues every day. Thus corporate insurance in Singapore is very important to ensure that the companies are insured from any kind of monetary loss that may lead to bankruptcy and thereby closing down of the business.

One business is linked to another in one way or another. Thus, the closing down of one business will affect another business in an adverse manner. In this manner the web of corporate setup will have to endure many ripples that will disrupt the smooth running of business. Thus corporate insurance is very important in a corporate setup.

Western Ch’an Fellowship

Western Ch’an Fellowship

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