Pinecone - Nov. 2011

8/3/2019 Pinecone - Nov. 2011

1/14

THE PINECONE

Monthly newsletter for area insurance professionalsTo inform members and associates of industry news, educational opportunities

And association activities of the

RALEIGH ASSOCIATION OF INSURANCE PROFESSIONALS

OfficersPresident Katy Willett, CIC, [email protected]

President Elect & MembershipJanet Davis, CISR, CPIW, AAI

[email protected]

Vice-President & ProgramsJeanne Hess, CISR, CPIW, DAE, AAI, [email protected]

Secretary Shirley Hudson, ARM, AAI, CISR, CPIW,[email protected]

Treasurer Barb [email protected]

ParliamentarianWanda Manning, CPCU, CPIW, CIC, [email protected]

Committee Chairmen :Bylaws & Immediate Past President Beth Blackwell, AAI, [email protected]

Employment Jeanne Hess, CISR, CPIW, DAE, AAI, [email protected]

Public Relations Co-Chairs Jeanne Hess, CISR, CPIW, DAE, AAI, [email protected] Norton, API, CPSR, [email protected]

EducationPam Grimes, CPIW, CIC, CISR, [email protected]

Safety Debbie Pass-Soles, CPIW, CISR, [email protected]

LegislativeShirley Hudson, ARM, AAI, CISR, CPIW, DAE

[email protected]

Inside this Newsletter

1. November Meeting11/8/11Restorations after a loss

2. December Meeting12/13/11Christmas Party

3. PEANUTS!! Bring your orders to the meeting!

November 2011 Happy Thanksgiving!

Thanks for making NAIW dba IAIP YOUR Association of Choice

Represented by Diversified Professionals

NEW WEBSITE: www.raip.org NCAIW LINK : www.ncaiw.org NEW IAIP link :http://www.internationalinsuranceprofessionals.org/ SCHOLARSHIPS: www.inssfa.org

Pinecone Editor Jeanne Hess, CISR, CPIW, DAE, AAI, AIS

863-6524 - [email protected]

November 2011

The November Meeting of the RaleighAssociation of Insurance Professionalswill meet on November 8, 2011 at theIIANC Office, 101 Weston Oaks Court,Cary, NC at 6:00 pm with socialbeginning at 5:30 pm WITHREFRESHMENTS!. Our guest speaker is Betty Ann Crump from Purocleanwith a great presentation onRestorations after a Loss. We also willhave a short business meeting andmake holiday wreaths. BRING YOURGLUE GUN if you have one! I hopeeveryone will come, enjoy the fellowshiof our group and bring a guest or two!

~~~~~~~~~~~~~~~PEANUTS FOR PAWS!!

RAIP Fundraiser also supportsDEAR, Down East Animal Rescue!

Contact any member or Jeanne

Hess if you would like to place anorder by 11/8/11 to be deliveredbefore Thanksgiving. We will placein early December to be delivered

before Christmas.

~~~~~~~~~~~~~~~

Operation Edith Supplies
mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]://www.raip.org/http://www.ncaiw.org/http://www.ncaiw.org/http://www.internationalinsuranceprofessionals.org/http://www.internationalinsuranceprofessionals.org/http://www.internationalinsuranceprofessionals.org/http://www.inssfa.org/mailto:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]:[email protected]://www.raip.org/http://www.ncaiw.org/http://www.internationalinsuranceprofessionals.org/http://www.internationalinsuranceprofessionals.org/http://www.inssfa.org/mailto:[email protected]

8/3/2019 Pinecone - Nov. 2011

2/14

Still have some available.Please contact Jeanne to havethem ready to pick up!

PRESIDENTS MESSAGE:

Fall is here! Hope to see many of you at the NCAIW Conference November 3 rd thru 5 th inGreensboro. I should have a State Meeting report at our next meeting. Look forward toseeing all of you Tuesday November 8 th. Bring a friend.

Katy Willett, CIC, AAI, CISR, CPIWRAIP President, 2011-2012

Upcoming triangle events. There are tons of events coming up in the triangle area. As social events, Iwas hoping to gauge interest in getting a group together to participate in some of the local activities(and possibly invite Durham if they are interested?). I included the cost of tickets, but some of theseoffer large group discounts if we have 10 or more.

Hurricanes Hockey (upper level seats run $35 to $61 a ticket)Rembrandt Exhibition at the museum of art (Oct 30 to Jan 22, $18 adults/ $15 seniors)Nutcracker Ballet (Dec 3 24, tickets run $32.25 to $110)A Christmas Carol (Dec 8 -14 ; tickets run $35 to $90)Charlie Goodnight (various comedians prices change)A trip to the Smithfield outlets for Christmas shopping?

Shoot Jeanne or Katy an email if you would be interested in participating in any of these events as agroup! Thanks.

EMPLOYMENT OPPORTUNITIES:

1 Insurance Professional looking. Experienced in customer service, marketing and inside sales,management and training. Experienced with all sizes of commercial accounts, however special in smallbusiness. Experienced in most in house rating systems. Have worked on Applied, AMS Afw, 360 and Sagitta.Can wear many hats at the same time. (added Sept. 2010)

2 Capstone Search Group Commercial Lines Account Manager Charlotte - $45K - $55KOur client is looking for someone with a strong marketing and client service background. Exposure tocommercial construction is a plus. Employee Benefits Account Manager Charlotte - $50K - $60KOur client here is looking for someone with experience working in the 100 1,000 life arena and significantexposure to self funded accounts. Commercial Lines Account Manager Raleigh - $45K - $55KOur client here is seeking someone with a strong middle market commercial lines background working withaccounts ranging in size from $15K - $30K in revenue with exposure to a variety of industries.(added June 2011 )

2

8/3/2019 Pinecone - Nov. 2011

3/14

3 Marketing Director for a small Workers Compensation Insurance Company in Raleigh. (Added May 2011)

4 - Finmark Insurance Agency in Raleigh is looking for Commercial Producers . Please sendresume to Rick Stallings at [email protected]

5. Commercial Lines Account Manager ... Eastern Wake and Western Johnston county,Applied experience a must. Excellent benefits. (added Nov. 2011)

Please contact Jeanne Hess [email protected] or 863-6524 , if you would like more information.

~~~~~~~~~~~~~~~

3
mailto:[email protected]:[email protected]:[email protected]:[email protected]

8/3/2019 Pinecone - Nov. 2011

4/14

MinutesRaleigh Association of Insurance Professionals

October 11, 2011

The meeting was called to order, at 6:04 PM, by Vice President, Jeanne Hess in the absence of thePresident, Katy Willett.

Members present were VP, Jeanne Hess, Beth Blackwell, Wanda Manning, Pam Grimes, DebbieSoles and guest, Tammy Ramsdell.

Vice President Hess introduced and welcomed Kathy Ellis, Fire Education Specialist with the Townof Cary Fire Department. Ms. Ellis majored in English at NCSU but, then began a career as a firefighter in Kinston, NC. She transferred to the Cary, NC Fire Department where she eventuallygravitated to the prevention end of fire fighting. The leading cause of home fires in Cary is cookingand the second leading cause is lightning. The best way to be safe is 1) have an interconnectedsmoke alarm and 2) have a fire plan - EDITH and two ways out of every room. Ms. Ellis informed themembers that single family dwellings have the greatest amount of property loss. Multi-familydwelling fires involve the largest amount of property because of the numbers of units but have thesmallest amount of loss due to having to have sprinkler systems. Ms. Ellis' program was veryinformative and timely due to October being fire prevention month.

Vice President Hess advised there were no minutes from the September meeting due to it being our annual picnic.

Treasurers Report - There was no report.

ProgramsNovember - possibly Legislative, service project of wreathes or basketsDecember - Christmas dinner at 18 Seaboard - discussed gift exchange and/or basket for shut inFebruary - Joint meeting with Durham - will discuss dates since it falls on 2/14/12 Safety - Vice President Jeanne Hess has Operation Edith materials.

Education - Pam Grimes sent an email about classes prior to the meeting. Customer Service is 6hours, Ethics is 2 hours, and Conflict Resolution is 2 hours. There are new qualifications fromNational about who can teach classes. We will check into filing for classes and also see how muchinterest we have.

Legislative - No report

Public Relations - Reminded everyone to bring children's books to State Convention, November 4,2011. If not attending, you can get them to Jeanne Hess.

Fundraiser

4

8/3/2019 Pinecone - Nov. 2011

5/14

Down East Peanuts as suggested by Pam Grimes. Vice President Hess said they are reasonablypriced and we will be supporting PAWS for a Cause. The members voted to adopt this fundraisingproject for this year.

There being no further business (new or old) the meeting was adjourned at 7:00 PM.

Respectfully submitted for Shirley McLamb-Hudson, in her absence,

Beth Blackwell

5

8/3/2019 Pinecone - Nov. 2011

6/14

Legislative Update - Healthcare Legislation and The U.S. Supreme Court?Jill Walker Denton, TAHU Law and Legislative Chair

Here are the current facts that have been established:1. The majority of the 50 states claim that PPACA is unconstitutional, the Obamaadministration claims that it is not.2. Both sides have now asked the U.S. Supreme Court to decide the question onappeal from a 3-judge panel of the 11th Circuit Court. In August, the panel (made up of two Clinton appointees and one George H. W. Bush appointee) ruled that PPACA's

individual mandate its requirement that essentially every American buy government-approved health insurance under penalty of law is unconstitutional but that the rest of the legislation should be allowed to stand.3. The 26 states that filed suit in the case have appealed, arguing that the individualmandate is so central to the legislation as a whole that to void the mandate, whileretaining the rest, is to leave something in place that's unworkable and which Congressalmost certainly never would have passed.4. The Obama administration also has appealed, arguing that the powers vested inCongress by the Constitution authorize its passage of all aspects of the 2,700-pagelegislation.

What The Supreme Court could Rule:

1. The Court could decide not to strike down any part of the legislation, ruling thatCongress was authorized to pass the individual mandate under its power "toregulate Commerce...among the States." The Court's role is to void legislation if it violates the manifest tenor of the Constitution. If the Court does indeed rule in thismanner, it will stretch the commerce clause to establish, for the first time, that Congress can force Americans to buy a particular commercial good and candictate what form of that good they must buy. This would be true for all goodssuch as food, as well.

2. The Court could decide not to strike down any part of the legislation, ruling thatthe individual mandate is not really a mandate but rather is a new tax on thosewho do not have insurance. Congress is authorized to institute under its power "tolay and collect taxes to provide for the general Welfare." President Obama insisted

on national television that the individual mandate is not a tax increase. And,PPACA's text does not refer to the mandate as a tax. As the 11 t` ' Circuit Court panel put it, "The individual mandate... was not enacted pursuant to Congress'stax power" and therefore cannot be sustained on those grounds.

3. The Court could affirm the lower court's ruling, by holding that theindividual mandate is unconstitutional and allowing the rest of thelegislation to stand.The Obama Administration has argued that without the individual mandate, thelegislation would become "cost prohibitive." Because of the legislation'srequirement that insurers cover those with preexisting conditions at the same

premiums that healthier people pay, the White House says that "the only way to

6

8/3/2019 Pinecone - Nov. 2011

7/14

keep people from playing the system and raising costs on everyone else is toensure that everyone takes responsibility for their own health insurance" The way the legislation achieves this is through the individual mandate. This bill overcamea filibuster with no votes to spare in the Senate, and passed by only 7 votes inthe House. It most likely would not have passed either chamber with theindividual mandate removed and everything else left in place.

4. The Court could declare the individual mandate unconstitutional andalso void the law's "guaranteed issue" and "community rating" provisions.These provisions, together, would require insurers to cover all applicantswithout charging higher premiums for those with preexisting conditions,

while upholding the rest of the legislation.This is how U.S. District Court judge Christopher Conner ruled. In the drafting of the legislation, these mandates were closely linked. Without the individualmandate, the requirement that insurers cover everyone with expensive

preexisting conditions without charging them higher premiums wouldsimply lead to people waiting until they are already ill or injured before signingup for "insurance" to pay for their care.

5. The Court could strike down the individual mandate and the rest of thelegislation along with it. U.S. District Court judge Roger Vinson ruled in thismanner, arguing that since the individual mandate is "the keystone of theentire health reform effort," upon its removal the entire act must beinvalidated.

Vinson wrote, "This Act has been analogized to a finely crafted watch, and that seems to fit. It has approximately 450 separate pieces, but one essential piece(the individual mandate) is defective and must be removed. It cannot function asoriginally designed. There are simply too many moving parts in the Act and toomany provisions dependent directly and indirectly on the individual mandate andother health insurance provisions which... were the chief engines that drove theentire legislative effort for me to try and dissect out the proper from theimproper, and the able-to-stand-alone from the unable-to-stand-alone. Such a

quasi-legislative undertaking would be particularly inappropriate in light of thefact that any statute that might conceivably be left over after this analysis iscomplete would plainly not serve Congress' main purpose and primary objective in

passing the Act."6. The Court could decide that the states lack legal standing to bring thesuit at this time, thereby postponing challenges to Obamacare'sconstitutionality until after the election and likely until after its fullimplementation (in January of 2014) if it's not repealed first.

Which way will the Court rule?

7

8/3/2019 Pinecone - Nov. 2011

8/14

The justices have the final say on whether PPACA will be treated as being constitutionalor not.All but one of the six possible decisions by the Supreme Court, number 5, striking downthe legislation in full, would still require a political resolution.So the likely fate of PPACA will be determined not by a decision of the Court, but by thesuccess or failure of the repeal movement which will be decided - most likely by thepresidential election.

(Reprinted with permission from the Triangle Association of Health Underwriters Newsletter 10-28-11)

~~~~~~~~~~~~~~~

Hello!

One of the objectives to reach the goal of communicating with members of Region II is toconnect on the IAIP website. Be sure to log into the website atInternationalInsuranceProfessionals.org and search my name. Click on it and request Iconnect with you.

We can communicate through the website to increase the frequency and reduce the chanceof our messages being lost. It's easy! I will help you connect with others in our region whenyou view my connections and request they connect with you. Be sure to set your notificationso you receive an email when someone contacts you. Otherwise, check in (login) every sooften.

I look forward to hearing from you soon!

Thank you,

Amy CraigRegion II RVP

~~~~~~~~~~~~~~~

SHRED EVENT!

Local sponsors are donating their time and resources to sponsor a free shred-a-thon in your area.Shred-a-thons are a perfect way to destroy old tax records, checks, employment records or creditapplications. You do NOT need to remove staples and paper clips from the documents. It usuallytakes about 10 minutes to drop off your documents and get them shredded. Please pass along thisinformation to co-workers, neighbors and friends. This service is for individuals with personaldocuments to help prevent identity theft. Thank you.

8

8/3/2019 Pinecone - Nov. 2011

9/14

RALEIGH (Wake County)AMERICA RECYCLES DAY Saturday, November 129am-12pmNorth Hills Shopping Center (east side of Six Forks)Corner of Dartmouth and St. Albans DriveSponsors: City of Raleigh, Pro-shred, Keep NC Beautiful, Harris Teeter, Synergy, WakeCounty Environment Resources*Limit three boxes**additional recycling available

CARY (Wake County)AMERICA RECYCLES DAY Saturday, November 199- 12pm

Town of Cary- Residents only 400 James Jackson Blvd, CarySponsors: Shred It, Town of Cary*3 box max**additional recycling available

This information brought to you on behalf of North Carolina Attorney General Roy Cooper. All shredding eventsare free but donations may be accepted at some events. Always check with the local sponsors for event changes or additional details. The NC Department of Justice does not endorse any business or charity.

~~~~~~~~~~~~~~~

Sad News:

I wanted to share some information. Some of you will remember Mary Forrester, who served asparliamentarian for NCAIW for number of years, her husband, NC Senator Jim Forrester has died. I thoughteach of the local associations might want to send a card to Mary letting her know we are thinking of her and her family at this time.

Her address when she was parliamentarian was:PO Box 459, Stanley, NC 28164-0459

Regards,Anita WilliamsNCAIW Council Director

9

8/3/2019 Pinecone - Nov. 2011

10/14

EDUCATION OPPORTUNITIES PAM GRIMES, CPIW, CIC, CISR, DAE, Education Chair

8 Hour LTC Partnership Certification/CE

$54.95December 14, 8:00-5:00pm

Raleigh - Holiday Inn Crabtree

November 16, 8:00-5:00pm

Concord Wingate at Wyndham ConcordNC became a Patnership state in March. LTC Partnership policies are rolling out thisyear. To sell a Partnership approved LTC insurance plan, you must have the required 8hours of Partnership Continuing Education.

The course is open to anyone who wants to learn more about thePartnership law and LTCi

The 8 hrs of Partnership CE will also be credited toward the 24 hours of CE required bi-annually in NC for your L&H licenses. This course alsoearns you 8 CFP Credits if needed!

This course is ClearCert approved and requires no test in class!

4 Hour Annuity Suitability

$49.95November 4 and December 6, 1:00-5:00pm

Raleigh - Atrium Bldg on Blue RidgeThis course provides a complete overview of current annuity regulations and recentlaw changes. Emphasis will be placed on the overriding need for the ethical treatmentof seniors and the agents' duty to follow responsible sales practices with customer andproduct suitability as the ir main focus. Provides 4 hours of continuing education.

10

8/3/2019 Pinecone - Nov. 2011

11/14

Certified Instructor : Michael Paulk Provider #S16551

*** RSVP to www.adbanker.com/nc or919.662.3828

Watch out for slick magazine sales pitch

North Carolina consumers are reporting that magazine sellers are knocking on doors, using a slicksales pitch to claim theyre raising money for worthy causes. These sellers may claim to live in theneighborhood, but theyre usually part of traveling groups of young people lured into the job by falsepromises of big paychecks.These door-to-door sellers are known to claim that their proceeds will go to a local charity or a schoolfundraiser. A salesman operating in one Triad neighborhood recently told some neighbors that he

was raising money to help troops in Afghanistan, while he told others that sales would benefit a localsports team. In reality, the money collected goes to a for-profit company.Before you buy a magazine from someone selling door-to-door, think about the following:

Only buy magazines door-to-door from someone you know and trust. Beware of sellers whoclaim to live in the neighborhood if you dont recognize them.

Ask questions before you pay any money. If the seller claims that money will go to a school,hospital, or other worthy group, ask the seller to show you a letter of endorsement from thatorganization. Better yet, check directly with that organization.

If you decide to buy anyway, get a receipt that includes refund and contact information, thetotal cost of each subscription, and the date youll receive the magazine.

Remember your three-day right to cancel. In North Carolina, you have three days to cancelcertain purchases such as door-to-door sales even after you sign a contract and pay.

If you spot a scam, report it to the Attorney Generals Consumer Protection Division by calling 1-877-5-NO-SCAM or filing a complaint online at www.ncdoj.gov .

This message brought to you on behalf of North Carolina Attorney General Roy Cooper.

11
http://www.adbanker.com/nchttp://www.ncdoj.gov/http://www.adbanker.com/nchttp://www.ncdoj.gov/

8/3/2019 Pinecone - Nov. 2011

12/14

At-Home ExercisesThat Really WorkWant to get fit, but the gym is a drag?It's easy to exercise at home with

these simple moves. Get started now.Also See: Fitness Choices for New Moms Post-Swim Dry Skin Fix Good Sleep Curbs Heart Attack Risk

Health News & Features

Yoga, Stretching Give Lasting Back Pain Relief Almost nothing compares to the misery of back pain. A new studyoffers hope for lasting relief. Why yoga and stretching beat other treatments.Also See:

Understanding Low Back Pain Relieve Pain With Gels, Lotions, and Creams

The Lowdown on Fitness MachinesWith fall comes shorter daylight hours to exercise outdoors. Exercisemachines may become your new, seasonal BFF. Which ones work. Also See:

Lost Your Mojo? 5 Steps to Get Motivated to Move Exercising With Diabetes: What You Should Know

In This Issue: Wanna Lose? Wake Up and Do This Top 20 Sources of Calories for Americans The Family That Cooks Together, Stays Thin Together

12
http://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIs0EXhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIt0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIu0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIo0EThttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIo0EThttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIo0EThttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIv0Eahttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIw0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIp0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIp0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIp0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIx0Echttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIy0Edhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKk0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKm0Eahttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKm0Eahttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIr0EWhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIs0EXhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIt0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIu0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIo0EThttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIo0EThttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIo0EThttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIv0Eahttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIw0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIp0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIp0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIx0Echttp://health.webmd.com/cgi-bin21/DM/t/nBQA50PGl5P0KZZ0EofIy0Edhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKk0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKm0Ea

8/3/2019 Pinecone - Nov. 2011

13/14

The Ugly TruthAbout Belly FatWhen it comes to your expanding midsection,not all foods are created equal. Take the quizto see which foods go straight to your gut.Also See:

Icky Side Effects of Going to the Gym Quiz: Master Your Metabolism New Mom? How to Get IT Back

Health News & FeaturesWanna Lose? Wake Up and Do ThisSet the clock earlier and don't hit snooze --you just might stick to your exercise plan.Also See:

Are You Eating Too Much Salt? Acid Reflux: Mars vs. Venus

Top 20 Sources of Calories for AmericansLove cake, bread, soda, and a host of other tasty, fatty foods?So does the rest of the country. Where our calories come from. Also See:

10 Ways to Save Money on Low-Fat Foods Healthy Cooking 101: Yes, You Can!

More From WebMD: Help Your Daughter Feel Better About Her Body

13
http://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKo0Echttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKp0Edhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKq0Eehttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKk0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKk0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKr0Efhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKs0Eghttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKs0Eghttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKt0Ehhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKu0Eihttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKv0Ejhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKv0Ejhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKn0Ebhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKo0Echttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKp0Edhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKq0Eehttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKk0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKk0EYhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKr0Efhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKs0Eghttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKl0EZhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKt0Ehhttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKu0Eihttp://health.webmd.com/cgi-bin21/DM/t/nBP6q0PGl5P0Dt70EnNKv0Ej

8/3/2019 Pinecone - Nov. 2011

14/14

If Your FeetCould Speak ...

... do you wonder what they'dsay about your health? Plenty!

Take a look at this visualguide.Also See: Dupuytren's Contracture:Heard About It? All About Knee Injuries Birthing at Home: A WiseIdea?

Health News Headlines

Does Fertility Treatment Raise Breast Cancer Risk? Men, Women May Experience Acid Reflux Differently New SIDS Guidelines Say Breastfeeding Lowers Risk Vaccine Reduces Malaria Infections in Children Is High Blood Pressure Linked to Birth Defects?

In the Spotlight

Top 2 Dangers of High Cholesterol Early Signs of Alzheimer's Disease This Surgery Helps the Whole Family Pumpkins and Squash: Submit Your Recipes

From The WebMD Network

What Are the Biological Causes of Breast Cancer? Quiz: How Much Do You Know About Breast Cancer?

Thanks Debbie Pass-Soles for sharing!
http://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRg0EHhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRg0EHhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRh0EIhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRi0EJhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRi0EJhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRi0EJhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRj0EKhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRj0EKhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRk0ELhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRk0ELhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRl0EMhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRl0EMhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRm0ENhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRm0ENhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRn0EOhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRn0EOhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRo0EPhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRo0EPhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRp0EQhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRp0EQhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRq0ERhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRq0ERhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRr0EShttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRr0EShttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRs0EThttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRs0EThttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRt0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRt0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRt0EUhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRf0EGhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRg0EHhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRg0EHhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRh0EIhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRi0EJhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRi0EJhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRj0EKhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRk0ELhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRl0EMhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRm0ENhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRn0EOhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRo0EPhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRp0EQhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRq0ERhttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRr0EShttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRs0EThttp://health.webmd.com/cgi-bin21/DM/t/nBPwI0PGl5P0CBe0EigRt0EU

Pinecone - Nov. 2011

Documents

Transcript of Pinecone - Nov. 2011