All-Around Pinay Mama

The Affordable Trend that will Knock Your Socks Off

August 03, 2018

What Exactly Is a Conservatorship?

July 27, 2018

What Exactly Is a Conservatorship?

What Exactly Is a Conservatorship? (Photo Credit: Pixabay)

A conservatorship is a legal arrangement in which an individual is appointed to manage the legal and financial affairs of a person who is unable to do so independently, such as a minor or one who is incapacitated. The responsibilities of the conservator include filing federal and state taxes on that person's behalf using the IRS-EIN-Tax-ID.

How Conservatorships Are Established

A court order is required to create a conservatorship for either a minor or a person who has physical and mental disabilities that make independent legal and financial management impossible. This may include individuals who have Alzheimer's disease or other forms of dementia as well as those who have a severe mental illness with psychosis or suicidal tendencies. The conservatorship must be supported with the testimony of the person's physician, psychologist or psychiatrist for the court's decision to be valid.

Conservator Responsibilities

When a conservator is appointed for an incapacitated individual, he or she has the following financial responsibilities:

Investigating the individual's liquid assets and appointing a financial advisor to invest them on his or her behalf
Deciding whether to buy or sell real estate, vehicles, and other assets
Paying the person's bills
Filing the person's income tax returns
Deciding where the individual will live and overseeing necessary care
Filing annual reports about the care and oversight provided
Requesting court approval for decisions as required
The Tax Impact of Conservatorship

If you are a conservator, you must apply for an EIN number with the IRS to file taxes on behalf of the conservatorship. Using this ID number, you can file the individual's Form 1040 for federal income taxes. You must also file Form 56, Notice Concerning Fiduciary Relationship, which lets the IRS know that you are the court-appointed conservator for the taxpayer in question.

Contact IRS-EIN-Tax-ID to apply for an estate tax ID number or EIN. With our secure online application, you can complete IRS Form SS-4 in minutes and receive your EIN via email. If you apply before 7 p.m. EST, you'll have your tax ID number the same day with no associated rush fee.

Will Insurance Cover Breast Reduction?

June 17, 2018

When considering cosmetic surgery, insurance coverage is one of the most common concerns and is often the deciding factor in choosing whether or not to undergo surgery. If you want a breast reduction surgery, you're probably wondering whether your healthcare providers will cover the procedure.

Cosmetic vs Medically Necessary Breast Reduction

Most health insurance plans don't cover any cosmetic surgeries, but they will cover reconstructive surgeries and medically necessary procedures. In some cases, a breast reduction is done for cosmetic purposes. You may feel self-conscious about your breast size and choose to undergo a reduction to increase your confidence in your figure.

In other cases, breast size is linked to physical health issues, and surgery may be necessary to fix these problems. Many women have chronic back and neck pain because of their overly large breasts. Chronic pain can limit your mobility and seriously impact your quality of life. Large breasts often lead to poor posture, and this combined with the weight of the breasts can cause nerve damage, leading to numbness in the arms, hands, and fingers.

Another common problem is rashes, infections, or inflammation underneath the breasts. Large breasts tend to trap moisture and heat, which can cause painful skin issues. Some women also develop permanent shoulder grooves where their bra straps sit because their breasts are too heavy for a bra to fully support.

Other serious issues associated with a large breast size include exercise intolerance, shortness of breath, and chronic headaches. If you experience these symptoms, it's clear that a breast reduction is necessary to restore your health. Most insurance plans use these symptoms to differentiate between cosmetic and medically necessary breast reductions. However, it can still be complicated to have the surgery covered.

How to Know If Your Insurance Will Cover Your Breast Reduction

The first thing you need to do is check if your health insurance lists breast reduction as an exclusion. If it does, your insurance will not cover the surgery. Fortunately, most insurance plans do not have an exclusion for breast reduction. This doesn't mean that they'll cover all breast reduction surgeries, but you have a chance of getting the procedure covered.

Most insurance plans require that a certain amount of tissue be removed for the surgery to be covered. If less than this specified amount is removed, they believe that the breasts were not large enough to cause pain or health problems and that the surgery was only done for cosmetic purposes.

The amount of tissue that needs to be removed varies based on the insurance company and plan. Some plans take your height and weight into consideration, and some specify an exact amount for everyone. Many insurance companies require that the surgery remove at least 500 grams of tissue to be covered.

How to Get Your Breast Reduction Covered

If you believe that your insurance might cover your breast reduction, there are a few steps you should take. First, start documenting your symptoms. If you experience back or neck pain, posture issues, numbness, skin irritation, or any other problems because of your breast size, you should record when the symptoms started and whether they've progressed over time.

If you've seen other medical professionals for these problems, try to get documentation of your visit. This includes massage therapists, physical therapists, and chiropractors. You should also document other treatments you've tried for the health problems. Many insurance plans require that you try other treatments before surgery, so keeping track of everything you've tried to reduce your pain will be very helpful.

Once you have some documentation of your symptoms, it's time to schedule a consultation with a cosmetic surgeon. Your surgeon can identify posture issues or other problems and may diagnose you with symptomatic macromastia, which is the medical term for overly large breasts that cause chronic pain and other problems. This diagnosis is key for getting your insurance to cover the surgery.

If your surgeon believes that your breasts are affecting your health, you can then reach out to your insurance company and request coverage. You and your surgeon will fill out paperwork and submit it to your insurance company, and they will hopefully approve the surgery. If they deny coverage, you can make an appeal. During this process, you'll have to supply extra documentation to your insurance company. You can get letters of support from other medical professionals, and your surgeon can give more information to your provider.

All insurance plans are different, and some will cover breast reduction more willingly than others. If you want the surgery only for cosmetic reasons, it's unlikely that it will be covered. If you have documented health problems resulting from your breast size, you have a better chance. It can be time-consuming work to convince your insurance company to cover the surgery, but it's worth it to improve your quality of life.

The doctors at the Plastic Surgery Institute of Miami provide breast reduction along with a wide variety of other procedures. Dr. Altman completed the prestigious Jerome P. Weber Fellowship before founding the Plastic Surgery Institute. Dr. Ghersi served as a faculty member in the plastic surgery department of the renowned Cleveland Clinic and completed an exclusive fellowship at the Manhattan Eye, Ear, and Throat Hospital. Dr. Oeltjen was an Associate Professor of Plastic Surgery at the University of Miami before entering private practice. You can learn more about these doctors and their services here: www.psimiami.com.

This is a guest post.

Can Liposuction Replace Weight Loss?

June 16, 2018

Weight loss is hard, and it often takes months, if not years, to achieve your desired physique through diet and exercise. And even for the most strong-willed of people, the constant effort that weight loss entails often becomes taxing. For this reason, many people who want to lose weight are tempted by liposuction. But is liposuction a viable replacement for weight loss? First, it's necessary to examine some of the important differences between the two procedures.

How Does Liposuction Differ From Weight Loss?

Often, people who work on losing weight talk about losing fat. While fat mass is technically lost when you lose weight, what many people don't realize is that you don't actually lose the fat cells themselves. The fat loss that happens when we restrict calories and/or exercise more involves lipolysis, or fat cells opening up and essentially spilling their contents. This is how your body accesses the energy stored in fat cells. When you don't eat enough calories to power yourself through the day, your body must turn to its energy stores--to fat--in order to get the energy it needs.

While the fat cells stay put, once they have had their contents used by your body, they flatten. So while they still remain present, they take up significantly less space. This is how progressive fat loss over time makes you look smaller.

Liposuction also can help you look smaller than you are, but the process is fundamentally different. Liposuction involves taking a thin tube, called a cannula, and inserting it under the skin. The cannula then "vacuums" fat from under the skin. Unlike in weight loss, this removes the fat cells themselves, which do not typically grow back. Thus, you might think of liposuction as a more permanent form of weight loss.

Can I Just Get Liposuction Instead of Losing Weight?

It seems like a great idea--you could just undergo a brief surgical procedure and save yourself the effort and pain of weight loss, right? While this might sound plausible in theory, the reality is that liposuction is best reserved for target areas. For one, full-body liposuction, even if one could theoretically afford it, would cause too much tissue trauma.

The majority of plastic surgeons advise patients to be at or near target weight before undergoing liposuction. For many, even when you're at your target weight, "problem areas" still persist. The best way to go about weight loss and liposuction is to lose what you can on your own and then use liposuction to reduce stubborn fat. For many people, this stubborn fat is on their stomachs, love handles, or upper arms.

You might wonder whether you can simply get liposuction on known problem areas before losing weight. This is theoretically possible, but undergoing liposuction would first create an unbalanced and unnatural-looking physique. And if your doctor can't see the proportions of your ideal physique, he or she may over- or underestimate the amount of fat they need to remove.

Of course, if you think you are close to your ideal physique and are ready to undergo liposuction, having a consultation with a plastic surgeon can help you determine whether or not you have lost enough fat to be a great candidate. Plastic surgeons take great pride in their work, and they also are committed to helping you become more confident, so chances are good that they'll be honest with you. Your surgeon might say you're ready for a procedure, or they may recommend you lose a little more fat on your own before undergoing liposuction.

How Do You Know If You're a Good Candidate for Liposuction?

As noted above, the best candidates for liposuction are typically at their target weight (or close to it). However, there are some other considerations to bear in mind, too. It's vitally important that you have realistic expectations about the procedure and what it can do for you. Many plastic surgery practices offer visualizations--these technologies take a photo of you and then show you the estimated result of your plastic surgery. While the result may not be exact, it should give you a general idea of what to expect.

Of course, if you are planning on undergoing a liposuction, being in good general health is a must, as is understanding the healing process. Because of the initial swelling after the procedure, some patients panic and worry the procedure didn't work. However, particularly if you are committed to icing and resting the area, as well as wearing compression gear if needed, the swelling will usually go down sooner.

In your initial surgical consultation, make sure that you are honest with your surgeon when it comes to your expectations for the procedure. Your surgeon can explain to you whether your expectations can be realistically addressed with your chosen procedure, and he or she also can answer any questions you have. Plastic surgery is often a collaborative experience, so having an open dialogue with your surgeon is a must.

Ready to Get Started?

If you have never had a cosmetic procedure done before--or even if you have--making the decision to undergo a liposuction procedure might seem like a daunting one. However, for many, this is a decision that helped them become happier and more confident. If you are looking into liposuction and are in or near New York or Chicago, Doctors Plastic Surgery may be the practice for you. This practice has the benefit of being staffed by a team of surgeons so you can find a doctor who specializes in the type of surgery you need. And since Doctors Plastic Surgery is committed to helping everyone achieve the body they want, this practice offers affordable prices for high-quality procedures.

This practice offers periodic specials, and they also offer financing, which can save you from putting your procedure on a high-interest credit card. If you are ready to schedule a consultation, or if you just want to know more about the practice, visit their site today at www.doctorsplasticsurgery.com.

This is a guest post.

Four Facts About Labyrinthitis

June 15, 2018

Do you have balance problems, or suffer from dizziness? Do you feel extreme nausea or an aversion to bright lights? These could be symptoms of labyrinthitis, an inner ear infection that can be severely debilitating and can even lead to hearing loss. If you think that you may have labyrinthitis, it's important that you seek expert medical help at the earliest opportunity. This can alleviate the symptoms, and lead to a quicker recovery. Here are four facts about labyrinthitis:

What is Labyrinthitis?

Labyrinthitis is so called because it is a condition that causes inflammation of the inner ear canal, an area of the body known as the labyrinth. Because the labyrinth is inflamed, it can't function as it usually would. As one of the labyrinth's duties is to regulate balance, it typically produces a lack of balance or coordination, along with severe and prolonged spells of dizziness.

The Causes of Labyrinthitis

The most common cause of labyrinthitis is an infection – usually viral. It can also occur as the result of a head trauma, an allergy or reaction to medicine, or as a side effect of extreme stress. It is often the case that labyrinthitis follows an upper respiratory tract infection or flu. As the early symptoms of labyrinthitis can be flu-like, some patient may think that they are still suffering from that initial condition.

Labyrinthitis Is an Invisible Illness

Sufferers of labyrinthitis may feel very ill and have difficulty in carrying out their everyday functions. Appearance-wise, however, they may not look any different, except when their balance problems become apparent. It is effectively an invisible illness, and this can bring added difficulties to the sufferer. Some people have difficulty in perceiving that an invisible illness can be severe, so sufferers may be made to feel that they are making the illness up or exaggerating the effects of their condition. This can result in sufferers feeling isolated or even more stressed. A doctor who specializes in the treatment of labyrinthitis can provide support and information that will help you cope with this.

How Labyrinthitis Should Be Treated

Labyrinthitis may resolve spontaneously after a few weeks, but it may also linger or re-occur for long periods afterward. This is one reason that it's essential to get expert medical help. There is also the possibility that the condition can cause long-term or permanent damage to the balance and auditory system.

One form of treatment is designed to restore balance control, this is known as vestibular rehabilitation therapy. The sufferer will follow a series of carefully implemented exercise, designed to retrain the brain's balance function. These can include concentrating on a fixed point while moving the head from side to side, or movements that are designed to create dizziness and eventually reduce the negative vestibular reactions that they would usually cause.

Antibiotics can also be prescribed to fight any infection or virus that is causing the labyrinthitis, whilst other drugs can prove useful if administered early enough. If you have any symptoms of labyrinthitis, you should contact your ear, nose and throat doctor today.

Vertigo, dizziness, or a spinning sensation can be very frightening. If you have been suffering from disorders of the hearing and balance system, the professionals at the Becker Ear, Nose & Throat Center can provide specialized care that is tailored for you. Get the help you need, visit their website now at https://www.beckerent.com.

This is a guest post.

How To Introduce A Sugar-Free Lifestyle To Your Children

April 23, 2018

Courtesy: https://unsplash.com/photos/IqHuJ_Ceq60

It is never too late to instill healthy nutritional values to your children. In the United States, we have just finished Easter celebrations. As with most celebrations and holidays, the event was a reason to overload our kids with sugary sweets. As we deal with tummy aches, children on sugar-rushes followed by the dreaded sugar-crashes, we think there must be a better way,

Consider the following:

A child has limited space in their stomach. Excessive treats loaded with sugar leave no room for foods with nutritional values.

Sugar-filled treats stick to a child's teeth. It is difficult to brush a toddler's teeth effectively. If they fall asleep after eating sugar, the sugar eats away at their teeth for an extended period of time. This leads to long-term dental health issues.

Sugar causes your child's insulin levels to rise too quickly to process sugar in their blood. The rise can cause hyperactivity and discomfort. This is followed by a fast and hard drop in the insulin levels once the sugar has been distributed. A high blood-sugar count followed by a sugar-crash makes even seasoned adults feel ill.

When you eat sugar, your body craves more sugar. A child who is allowed to consume sugar at will can quickly become obese. Sugar affects the brain, and the body craves the “feel-good hormone” it initiates.

Why would any parent want to allow these medical problems in their young child? Sure, the child is temporarily happy to have their sugar fix, but a smart parent weighs it out and soon decides that omitting sugar is much easier on their child than do damage control.

Courtesy: https://unsplash.com/photos/eo11MS0FSnk

Changing your lifestyle

We all agree that we should do better. But, some of us have the feeling that we are somehow depriving our kids if we cut out all the sweet treats that the other kids get. While this is a misplaced concern, we feel it, so it is valid. Perhaps we should use the rule of quality over quantity. For example, a child that receives an Easter basket that is filled with books, small toys, and activities is just as exciting as a basket that is filled with candy. If you include a small Ghiradelli candy treat, the child is perfectly happy. They got a reasonable and quality treat and will have the thrill of their toys long after the sugar filled baskets are empty.

You are not putting your children on a diet. You are teaching them the proper way to eat. You must have open conversations with them about your food rules. You will have to share these instructions with other adults in their lives. Your child will not have one bad side-effect of living without sugar. They can have reasonable treats, but they do not have to contain sugar. Keep treats for their special days and parties. Your child will be just as excited to have a sugar-free candy as they would be if it contained sugar. Keep a stash at your parents or caregivers homes. If they are tempted to treat the child, they have an acceptable option.

Talk to your children. Have them help you make a list of their favorite foods that are healthy They will soon see there are many foods that they like that they can have.

Let your children help make treats for holidays as part of the fun. There are tins of DIY treats available online that are made from fruits, veggies, and berries. Get creative and conquer the sugar beast in your home.

As your child grows, they will branch out and try different things. However, by then, they will have developed a taste for good and healthy food. They will have been taught to recognize the health effects they experience when they eat sugar and they will opt on their own to stay with what they know. It will not be difficult for them. You will have effectively taught them that they eat to live. They do not live to eat. What a wonderful gift to them that is.

Here are some other tips:

Keep a sugar-free home.

Set a good example. This is a family lifestyle.

Have foods that they like and that they can eat, on hand.

Have sugar-free candy on hand for treats you want to give them.

Use natural products like honey to sweeten baked goods.

Select your battles. Do not make a big deal out of a small issue. If you have to address an issue, address it with the adults in the situation, not the child.

Written by:

Wendy Dessler

The Affordable Trend that will Knock Your Socks Off

What Exactly Is a Conservatorship?

Will Insurance Cover Breast Reduction?

Can Liposuction Replace Weight Loss?

Four Facts About Labyrinthitis

How To Introduce A Sugar-Free Lifestyle To Your Children

SJ Valdez

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