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	<title>Advantage Physical Therapy</title>
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	<link>http://www.aptronline.com</link>
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		<title>How About Some Legislative Reform?</title>
		<link>http://www.aptronline.com/how-about-some-legislative-reform/</link>
		<comments>http://www.aptronline.com/how-about-some-legislative-reform/#comments</comments>
		<pubDate>Mon, 28 Jun 2010 16:03:34 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=250</guid>
		<description><![CDATA[While the rhetoric surrounding "Healthcare Reform" has calmed a bit since the passing of the Affordable Health Care for America Bill in March, there's no doubt it still touches a nerve when the topic arises.   I would like to avoid any controversy &#038; instead suggest Legislative Reform.  This past Friday afternoon, President Obama signed into law the "doc fix" that delays for six months a 21.3% cut in Medicare reimbursements to physicians and instead provides a 2.2% increase.  On the surface this seems like quite the victory.  Who can argue with a raise, right?

]]></description>
			<content:encoded><![CDATA[<p>While the rhetoric surrounding &#8220;Healthcare Reform&#8221; has calmed a bit since the passing of the Affordable Health Care for America Bill in March, there&#8217;s no doubt it still touches a nerve when the topic arises.   I would like to avoid any controversy &amp; instead suggest Legislative Reform.  This past Friday afternoon, President Obama signed into law the &#8220;doc fix&#8221; that delays for six months a 21.3% cut in Medicare reimbursements to physicians and instead provides a 2.2% increase.  On the surface this seems like quite the victory.  Who can argue with a raise, right?</p>
<p>Well the path that led healthcare providers to this point has been occuring for over a decade now.   The significant cut in the fee schedule was put into law by Congress as part of a larger 1990s budget cutting act.   That is it has not been a secret &amp; it&#8217;s been on the horizon for over a decade.  Fortunately, Congress has routinely waived the schedule cuts &amp; implement minor increases over the years.   Every six to twelve months our &#8220;leaders&#8221; in Congress overwhelmingly support a bill &amp; talk about how we need a PERMANENT FIX to the unintended consequence of a budget cutting act passed over a decade ago.   For example, President Obama in signing the latest legislation quipped &#8220;Kicking these cuts down the road just isn&#8217;t an adequate solution to the problem.  The current system of recurring cuts and temporary fixes was passed into law more than 10 years ago.  It&#8217;s untenable.&#8221;  Low and behold the temporary fix expiration dates come &amp; go and we&#8217;re back to square one.</p>
<p><span id="more-250"></span></p>
<p>I thought this was just a problem within healthcare, however, earlier this year I had the opportunity to do a Fly In to the US Chamber of Commerce.   Several issues were discussed and I was frustrated to learn that many issues facing transportation, education, etc face these same temporary fixes.  It appears this is &#8221;business as usual&#8221; in Washington.   Perhaps I&#8217;m a bit naive, but why are our politicians afraid to make a decision.   Shouldn&#8217;t twelve years be enough to fix a minor flaw in a formula that was part of a larger bill.   Legislating in this temporary reactionary way is an unsustainable way of running a country (sound familiar?).   How about Legislative Reform?</p>
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		<item>
		<title>Coverage Does Not Equal Care</title>
		<link>http://www.aptronline.com/coverage-does-not-equal-care/</link>
		<comments>http://www.aptronline.com/coverage-does-not-equal-care/#comments</comments>
		<pubDate>Mon, 03 May 2010 14:39:23 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Care]]></category>
		<category><![CDATA[Coverage]]></category>
		<category><![CDATA[Healthcare]]></category>
		<category><![CDATA[HR 3590]]></category>
		<category><![CDATA[Medicare]]></category>
		<category><![CDATA[Part B]]></category>
		<category><![CDATA[Reform]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=242</guid>
		<description><![CDATA[It has been several weeks now since the Comprehensive Heatlhcare Reform bill has become law.  While many view the new law as a panacea, others have been happy to criticize the perceived shortcomings of the new law.  One thing the new law failed to address is the flawed formula that will result impending 21.2% decrease in the Medicare Fee for Service Schedule in 2010.   Separate bills in Congress have extended this cut month to month, but a permanent fix to the flawed formula has eluded Congress for well over a decade now.   How may this impact the actual delivery of healthcare you ask? 

]]></description>
			<content:encoded><![CDATA[<p>It has been several weeks now since H.R. 3590 The Patient Protection &amp; Affordable Care Act became law.  While many view the new law as a panacea, others have been happy to criticize the perceived shortcomings of the new law.  One thing the new law failed to address is the flawed formula that will result impending 21.2% decrease in the Medicare Fee for Service Schedule in 2010.   Separate bills in Congress have extended this cut month to month, but a permanent fix to the flawed formula has eluded Congress for well over a decade now.   How may this impact the actual delivery of healthcare you ask? </p>
<p>I had the opportunity to visit my Congressman&#8217;s Office on Capital Hill recently to educate his staff on the impact a 21.2% cut in the fee schedule would have on the access to care overtime.   The impression was that Medicare was only a percentage (albeit a fairly significant one in our case) of our insurance mix and that providers could survive on payments from our other private payers.   What they did not realize is that most private insurance contracts over the past decade or so have been pegged to the Medicare Fee for Service (Part B) Schedule.  That is, a majority of private insurers pay a percentage of the Part B Medicare Fee Schedule.   Thus, a 21.2% cut at the Medicare trickles down to providers&#8217; entire revenue stream, significantly impacting the ability to operate a business. </p>
<p> Ironically, several weeks ago a local Primary Care Practice, Haymarket Medical Center, abruptly closed it&#8217;s doors after providing care to the community for over 25 years.   They claimed that in the local paper that finances ultimately led to the practice&#8217;s demise.   The point here is that no matter how you slice the delivery of healthcare is a business &amp; if those professionals delivering care cannot remain in business all the promised coverage in the world will not guarantee better care.</p>
<p><span id="more-242"></span></p>
<p>The new healthcare law promises to expand coverage to the uninsured &amp; surely earned some political capital for those who made campaign promises, but no law can actually deliver the care that is promised.  The same macroeconomic argument that healthcare spending is unsustainable applies to a microeconomic level at your local doctor&#8217;s office.   Meaning your physician&#8217;s ability to provide care is unsustainable if the expenses of operating the practice consistently outweigh the revenue received from providing care.   In fact, this economic truth applies to any business.</p>
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		<item>
		<title>Avoid Injury While Gardening</title>
		<link>http://www.aptronline.com/avoid-injury-while-gardening/</link>
		<comments>http://www.aptronline.com/avoid-injury-while-gardening/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 19:43:36 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Avoid]]></category>
		<category><![CDATA[Gardening]]></category>
		<category><![CDATA[Injury]]></category>
		<category><![CDATA[Yard Work]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=232</guid>
		<description><![CDATA[With Spring&#8217;s official arrival many of us have begun planting or at least planning our gardens.  While beautifying your home may be the primary objective, do not forget to take care of your body.   Here are some simple reminders to help prevent injuries while working in the yard:


Don’t forget to warm up first &#8211; Just [...]]]></description>
			<content:encoded><![CDATA[<p>With Spring&#8217;s official arrival many of us have begun planting or at least planning our gardens.  While beautifying your home may be the primary objective, do not forget to take care of your body.   Here are some simple reminders to help prevent injuries while working in the yard:</p>
<p><span id="more-232"></span></p>
<ul>
<li>Don’t forget to warm up first &#8211; Just as with exercise, make sure your body is ready before jumping in full bore.   Take a short walk &amp; do some light stretching to limber up.</li>
<li>Don’t overdo it – Set a reasonable pace.   You do not have to get everything done in one day, especially that first day.</li>
<li>Kneel versus bend – When possible, choose kneeling over bending.   This puts much less stress on your back.  To protect your knees you can pick up an inexpensive pair of knee pads at your local Home Improvement Store.</li>
<li>Forgo imitating a Lawn Jockey – Avoid staying in one position for too long.   Try to move or shift your body around at least every 10 minutes.  Staying in one position for too long can put undo stress on your muscles &amp; tendons.</li>
<li>Use Proper Lifting Techniques – Avoid bending &amp; twisting, instead move your feet.   Keep items close to your body.  Lift with your legs &amp; if an item is too heavy find help.</li>
<li>Wear Sunscreen – at least 15 SPF.   Sure it seems like commonsense, but it is often overlooked.   Wear a wide brimmed hat as well to keep the sun from beating down on your face.</li>
</ul>
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		<item>
		<title>Healthcare Reform&#8230;at first GLANCE</title>
		<link>http://www.aptronline.com/healthcare-reform-at-first-glance/</link>
		<comments>http://www.aptronline.com/healthcare-reform-at-first-glance/#comments</comments>
		<pubDate>Tue, 23 Mar 2010 12:31:31 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=230</guid>
		<description><![CDATA[Unless you have you&#8217;re head buried under the sand for the past several days, you are at least aware that the &#8220;sweeping&#8221; healthcare &#8220;reform&#8221; bill has made it through Congress &#38; is set to be signed into law by President Obama today.   This of course has become a very polarizing issue &#38; if you watch [...]]]></description>
			<content:encoded><![CDATA[<p>Unless you have you&#8217;re head buried under the sand for the past several days, you are at least aware that the &#8220;sweeping&#8221; healthcare &#8220;reform&#8221; bill has made it through Congress &amp; is set to be signed into law by President Obama today.   This of course has become a very polarizing issue &amp; if you watch any of the 24 hour news channels you may believe that either America will solve ALL it&#8217;s healthcare problems if they would just pass this bill or that the American Flag is slowly morphing from Stars &amp; Stripes into a sickle and hammer.   While I certainly have my opionions &amp; leanings with respect to the issue, I tend to think that the majority of us fall somewhere in the middle &amp; our views on issues are shaped by how the personally impact our lives.  Healthcare Reform passed &amp; will become law today &amp; the sun still came up this morning.   I will certianly keep abreast of the impending changes &amp; how they impact my life, but shouldn&#8217;t we all take a breath now &amp; actually read the new law &amp; formulate our own opinions? </p>
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		<item>
		<title>Easing Back into Physical Activity</title>
		<link>http://www.aptronline.com/easing-back-into-physical-activity/</link>
		<comments>http://www.aptronline.com/easing-back-into-physical-activity/#comments</comments>
		<pubDate>Wed, 24 Feb 2010 21:25:15 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Injury]]></category>
		<category><![CDATA[Prevention]]></category>
		<category><![CDATA[Sports]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=228</guid>
		<description><![CDATA[If you fancy yourself an athlete chances are we have all at one time or another been sidelined by injury.  Whatever, your reason for exercising: stress relief, personal improvement, improved health, etc; we all know an injury that sidelines us can be a frustrating experience.   No doubt this epic winter has impacted our ability to [...]]]></description>
			<content:encoded><![CDATA[<p>If you fancy yourself an athlete chances are we have all at one time or another been sidelined by injury.  Whatever, your reason for exercising: stress relief, personal improvement, improved health, etc; we all know an injury that sidelines us can be a frustrating experience.   No doubt this epic winter has impacted our ability to get out and enjoy an outdoor run or bike ride, but with the official start of Spring less than a month away (Come On March 20!) be careful not to overdo it when the weather breaks.  When we push our body too far too fast, we’re more prone to a traumatic sports injury such as a sprain or fracture.  A lot of sports injuries occur when athletes rush their reconditioning and do too much too soon with bones, joints, tendons, ligaments and muscles that were ignored during the offseason.</p>
<p>With that said accidents can happen, thus if you pull or strain a muscle during exercise, remember the acronym RICE, Rest, Ice, Compression and Elevation.</p>
<ul>
<li>Rest your Injury</li>
<li>Ice the injured body part to lessen swelling, bleeding and inflammation</li>
<li>Apply a compression bandage to limit swelling</li>
<li>Elevate the injury above heart level to reduce the swelling</li>
</ul>
<p><span id="more-228"></span></p>
<p>You may also use a non-steroidal anti-inflammatory medication such as ibuprofen to help with the pain.  Of course if you have severe pain, cannot move the injured body part, or suspect you may have a fracture see you doctor immediately.  Additionally, if your symptoms persist it would be wise to see your physician for a full workup.</p>
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		<item>
		<title>Tips for Safer Sledding</title>
		<link>http://www.aptronline.com/tips-for-safer-sledding/</link>
		<comments>http://www.aptronline.com/tips-for-safer-sledding/#comments</comments>
		<pubDate>Fri, 12 Feb 2010 18:56:34 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=226</guid>
		<description><![CDATA[With the copious amounts of snow on the ground &#38; the Winter Olympics kicking off tonight, you may feel the urge (if you haven’t already) to dust off the sled or toboggan and hit the hills near your home.  The feeling of a cool winter breeze rushing past as you move downhill can be exhilarating, [...]]]></description>
			<content:encoded><![CDATA[<p>With the copious amounts of snow on the ground &amp; the Winter Olympics kicking off tonight, you may feel the urge (if you haven’t already) to dust off the sled or toboggan and hit the hills near your home.  The feeling of a cool winter breeze rushing past as you move downhill can be exhilarating, however, be careful not to let unintentional injury ruin the good times.  The <em>Consumer Product Safety Commission</em> estimates that annually 33,000 individuals experience an injury attributed to sledding or tobogganing.  Sledding injuries often include facial lacerations or skull fractures, whereas tobogganing injuries typically involve the lower half of the body.</p>
<p>To that end, here are some tips compiled by the <em>National Safety Council</em> to help ensure a day of safe &amp; fun sledding.</p>
<ul>
<li>Be sure your equipment is in good condition.   Broken parts, sharp edges, cracks and split wood increase the chances of injury.</li>
<li>Be sure to dress warm enough for the conditions.  You should wear thick gloves or mittens and protective boots to help minimize the potential for injury.</li>
<li>Find a spacious, gently sloping hill that has a level run-off at the end to allow your sled to come to a stop safely.  Avoid steep hills located near roadways.</li>
<li>Before taking that first run, check the slope for bare spots, holes or other obstructions hidden in the snow.  Be sure to avoid these areas or wait until conditions are better.</li>
<li>Make sure the sledding path does not cross traffic and is free from hazards such as fences, large trees or rocks.</li>
<li>Avoid sledding on or around frozen lakes, streams or ponds as the ice may be unstable.</li>
<li>Sit or lay on your back on top of the sled with your feet pointing downhill.  Sledding head first increases the risk of head injury and should be avoided.  Wearing a helmet is encouraged.</li>
</ul>
<p><span id="more-226"></span></p>
<p>Keep these guidelines in mind and you should have a great day of sledding rather than a long wait at the emergency room. </p>
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		<item>
		<title>What&#8217;s the Most Valuable Possession You Own?</title>
		<link>http://www.aptronline.com/whats-the-most-valuable-possession-you-own/</link>
		<comments>http://www.aptronline.com/whats-the-most-valuable-possession-you-own/#comments</comments>
		<pubDate>Tue, 19 Jan 2010 01:21:08 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Health Care]]></category>
		<category><![CDATA[High Deductible Plans]]></category>
		<category><![CDATA[Reform]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=219</guid>
		<description><![CDATA[This past Wednesday I had the opportunity to attend a Health Care Forum entitled “What Will Health Care Reform Mean for You?”  The Panel was provided and moderated by the Thomas Jefferson Institute for Public Policy.   After hearing the panelists debate this very timely and at times heated topic, I came away with the realization [...]]]></description>
			<content:encoded><![CDATA[<p>This past Wednesday I had the opportunity to attend a Health Care Forum entitled “What Will Health Care Reform Mean for You?”  The Panel was provided and moderated by the <em>Thomas Jefferson Institute for Public Policy</em>.   After hearing the panelists debate this very timely and at times heated topic, I came away with the realization that the Health Care Reform being discussed on Capital Hill and that permeates our newspapers and televisions on a daily basis has very little to do with our individual health or the physician patient relationship, rather it involves enormous sums of money, political power and a oversized helping of rhetoric that will likely leave us no better off as a Nation struggling to address an unquestionably important issue. </p>
<p>Fortunately, there is some good news in the midst of all the shouting occurring in Washington.  The good news is that we all own our own health.  Not to say that many do not fight to survive with horrible diseases we had no choice in living with or that that many struggle to taking better care of ourselves on a daily basis, but rather we can control how we choose to care for our own bodies.   By no means am I arguing that health care reform is unnecessary, but why must we rush to fix a system that has been in need of reform for decades simply to check something off the “To Do” list of our elected officials.</p>
<p>I strongly believe that some measure of consumerism needs to be part of meaningful reform.   I feel this will help restore the physician patient relationship that has eroded over the years as well as encourage one another to take control of our own health.  Slowly over the past several decades we’ve let others influence our decisions about our own health based on whether or not a service will be covered by insurance.   We need a paradigm shift to occur where we take ownership of our health and along with our licensed providers decide what is best for us.   Certainly, these decisions have financial implications and I by no means think the ability to receive the proper care should bankrupt an individual, but we as owners of our own health have to make choices about how we spend our hard earned money.  The paradigm shift I speak of involves us owning the maintenance portion of our health and purchasing high deductible coverage to cover catastrophic incidents related to our health.   This shift has started in part with the adoption of Health Savings Accounts by many employers and individuals, however, these plans are at risk in the current health care reform proposals.   Our auto insurance policies do not cover oil changes or new tires and our homeowner’s policies do not cover a depleted water heater or worn out carpeting.  Yet, we’ve grown accustom to our health insurance covering most every ailment under the sun.   We should take steps to maintain our bodies much like we maintain our material things in our lives and realize that we have to budget and pay for our health, just like our cars and homes.</p>
<p><span id="more-219"></span></p>
<p>Food for thought if nothing else.  No matter what happens when the dust settles in Washington, remember YOU own your health.   Personally, it has taken me quite a while to arrive at this conclusion, but my health is the most valuable possession I own.</p>
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		<title>An Ounce of Prevention</title>
		<link>http://www.aptronline.com/an-ounce-of-prevention/</link>
		<comments>http://www.aptronline.com/an-ounce-of-prevention/#comments</comments>
		<pubDate>Wed, 06 Jan 2010 21:23:20 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Debate]]></category>
		<category><![CDATA[Exercise]]></category>
		<category><![CDATA[Healthcare]]></category>
		<category><![CDATA[Prevention]]></category>
		<category><![CDATA[Reform]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=208</guid>
		<description><![CDATA[I read a great article in yesterday&#8217;s Wall Street Journal entitled &#8220;The Hidden Benefits of Exercise&#8221;.   Of course a lot of the information within the article was not earth shattering.   For example, brisk exercise of 30 &#8211; 45 minutes a day 5 times a week can boost the body&#8217;s immune system.   Additionally, previous studies have [...]]]></description>
			<content:encoded><![CDATA[<p><span style="font-size: medium;">I read a great article in yesterday&#8217;s <em>Wall Street Journal </em>entitled &#8220;The Hidden Benefits of Exercise&#8221;.   Of course a lot of the information within the article was not earth shattering.   For example, brisk exercise of 30 &#8211; 45 minutes a day 5 times a week can boost the body&#8217;s immune system.   Additionally, previous studies have show that regular exercise can lower the risk of stroke, reduce the incidence of diabetes, reduce the risk for multiple types of cancer and decrease depression as effectively as Prozac or behavioral therapy.</span></p>
<p><span style="font-size: medium;">With all the benefits of exercise, I was surprised to read that only 4 out of 10 doctors talk to their patients about the importance of exercise.   Talk about the need for healthcare reform.   Dr. Robert Sallis sums up the benefits very pointedly when he states &#8220;if there was a drug with the same benefits of exercise, it would instantly be the standard of care.&#8221;   With the larger healthcare debate raging, you hear very little about prevention, but clearly prevention needs to be a part of any reform if it will truly succeed.   While we cannot control the political grandstanding accompanying the healthcare debate or the timing of government imposed healthcare reform, we can control our own behavior.  </span></p>
<p><span id="more-208"></span></p>
<p><span style="font-size: medium;">So if you&#8217;re like millions of others that have resolved to exercise more in 2010, I encourage you to &#8220;take the exercise pill&#8221; and improve your overall health!</span></p>
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		<title>Ten Tips for Safe Snow Shoveling</title>
		<link>http://www.aptronline.com/ten-tips-for-safe-snow-shoveling/</link>
		<comments>http://www.aptronline.com/ten-tips-for-safe-snow-shoveling/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 17:06:39 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Back Pain]]></category>
		<category><![CDATA[snow]]></category>
		<category><![CDATA[snow shoveling]]></category>
		<category><![CDATA[tips]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=185</guid>
		<description><![CDATA[While it may be a bit late this go around, I sent out this message to our e-mail distribution list this past Friday prior to the Blizzard of 2009 &#38; we received a lot of positive feedback.   Hopefully, those who got the message took it to heart (or back) &#38; avoided injury while moving piles [...]]]></description>
			<content:encoded><![CDATA[<p>While it may be a bit late this go around, I sent out this message to our e-mail distribution list this past Friday prior to the Blizzard of 2009 &amp; we received a lot of positive feedback.   Hopefully, those who got the message took it to heart (or back) &amp; avoided injury while moving piles of snow around.   While it may be a bit untimely this go around, I&#8217;m sure it won&#8217;t be the last time it snows, I mean Winter only officially began yesterday right?   So without further ado here are the Ten Tips:<span> </span></p>
<ol style="MARGIN-TOP: -3px; MARGIN-BOTTOM: -3px">
<li>
<p>If you experience pain of any kind, stop immediately and seek assistance.</p>
<p><span id="more-185"></span></p>
</li>
<li>
<p>Choose a snow shovel that is right for you.  Be sure that your shovel has a curved handle, as this enables you to keep your back straighter when shoveling.  The length is correct when you can slightly bend your knees, flex your back 10 degrees or less and hold the shovel comfortably in your hands at the start of your shoveling stroke.  Sometimes a smaller blade is better than a larger blade.  Although a small blade can&#8217;t shovel as much, it avoids the risk of trying to pick up a too heavy pile of snow.</p>
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<p>When possible push the snow, do not lift it.  Pushing puts far less strain on your body than lifting.</p>
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<p>Be sure your muscles are warm before you start shoveling.  Cold, tight muscles are more likely to sprain or strain than warm, relaxed muscles.</p>
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<p>When you grip the shovel, make sure your hands are at least 12 inches apart.  By creating distance between your hands, you increase your leverage and reduce the strain on your body.</p>
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<p>Your shoveling technique is very important.  If you must lift snow, squat with your legs apart, knees bent and back straight.  Lift with your legs &amp; do not bend at the waist.  Move your feet rather than twisting.</p>
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<p>Never throw snow over your shoulder.</p>
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<p>Remember that wet snow can be very heavy.  One full shovel load can weigh as much as 25 pounds.</p>
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<p>Pace yourself by taking frequent breaks to gently stretch your back, arms and legs.</p>
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<p>For those who are able bodied, its always worth remembering neighbors on your block who may not be physically able to remove snow from their sidewalk and driveways.  A few minutes of help can make a world of difference to the well being of a less able bodied person as well as make you a good neighbor.<span style="font-size: small; font-family: Century Gothic,ITC Avant Garde,Arial,Helvetica,sans-serif;"></span></p>
</li>
</ol>
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		<title>Make a List &amp; Check It Twice</title>
		<link>http://www.aptronline.com/make-a-list/</link>
		<comments>http://www.aptronline.com/make-a-list/#comments</comments>
		<pubDate>Mon, 30 Nov 2009 17:33:41 +0000</pubDate>
		<dc:creator>jaram</dc:creator>
				<category><![CDATA[Uncategorized]]></category>

		<guid isPermaLink="false">http://www.aptronline.com/?p=177</guid>
		<description><![CDATA[No doubt we are now in the full swing of the Holiday Season.   Hopefully everyone enjoyed celebrating Thanksgiving with Family &#38; Friends.  Perhaps you made it out during Black Friday or are online today for Cyber Monday picking gifts out for others.   It&#8217;s very easy this time of year to get caught up in doing [...]]]></description>
			<content:encoded><![CDATA[<p>No doubt we are now in the full swing of the Holiday Season.   Hopefully everyone enjoyed celebrating Thanksgiving with Family &amp; Friends.  Perhaps you made it out during Black Friday or are online today for Cyber Monday picking gifts out for others.   It&#8217;s very easy this time of year to get caught up in doing things for everyone else.   However, if I may be sure to think of yourself &amp; your health.   In particular, why not check your health insurance benefits and/or the balance in your Flex Spending Account.   If you have reached deductible for the year, why not take care of those nagging aches &amp; pains before your deductible resets in the new year.    December 31 will be here before you know it, so if you&#8217;ve got money stashed in the FSA be thinking about how you could best use that money to improve you and your family&#8217;s health.  It&#8217;s no secret that the premiums we pay for our health insurance coverage is getting any cheaper.   We should all take a moment to make sure we are getting the most bang for our buck and as consumers, how we can use our coverage most effectively.   So maybe while you&#8217;re making you&#8217;re holiday lists &amp; checking it twice, make sure to thing about your health &amp; how to most effectively use your benefits as 2009 comes to an end. </p>
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