Out of quarantine: What we need first

If you have just been in isolation for months (or someone you care for has), some basic human needs will have to be renewed upon social opening.
– Touch. The deprivation is real. It often doesn’t require a full-on massage, but all people need the connection of touch. Light, caring touches on the back and shoulders mean a lot. Hugging and holding communicate love, trust, and well-being. Often the people who touched us the most are gone.
– Shared laughter. Think of the funniest stories you remember about childhood, vacations, silly moments, even frustrations and disappointments — what can you laugh about now that didn’t seem so funny then. Laughing together is part of being known to each other and being known is one of the best parts of being human.
– Eating together. We certainly don’t have to go to a restaurant to enjoy a shared meal! A light dinner with family and friends is a simple pleasure that boosts spirits and forges connections.
– Foot care. Two or three months alone in the house can take a toll on feet. Get to a podiatrist or a pedicure place for toenail cutting and moisturizing. A lot of time spent in bed can result in pressure sores on the heels. Check for sores, especially if you or your patient are diabetic.
– Hair care. Nearly everyone joked about needing a haircut during quarantine and lockdown, but with things opening up, it’s time to get out and fix up for both pleasure and health.
– Enjoying nature. Getting out. Just getting out of the house, especially if it means being able to sit in a park, see flowers and plants, breathe in the trees around you. These things renew the spirit and connect people with the earth.

Do I Need Commercial Insurance?

InsureUS offers commercial insurance in Cypress, TX. Most business owners find that they need some type of commercial insurance. Like personal insurance, there are a wide range of types of commercial insurance and coverage options. 

Business Property Insurance 

If you own a physical business, including a retail store, manufacturing center, or office, you’ll need commercial property insurance. Business property insurance ensures the property itself against damage including fire and vandalism. It covers the structure and your business inventory and equipment. 

Business Liability

Most businesses need some form of liability insurance. If you own a physical business, you’ll need liability in case someone is injured on your property. Many businesses choose liability in case their products or service fail and cause expenses to the customer. 

Business Income

If you are temporarily unable to operate, you’ll experience a loss of income. Business income covers many situations where you can’t generate income. Many expenses remain when you can’t operate, like lease costs. Business income insurance can help keep you afloat while you ride out the storm. 

Workers Compensation

If you have employees, you’ll need worker’s compensation insurance. It’s not a legal requirement in Texas, making it the only state in America that doesn’t require worker’s compensation for some businesses. However, worker’s compensation is still a smart idea. If someone gets injured on the job, worker’s compensation will cover their lost wages and medical bills. Without it, you would be liable for those expenses. 

InsureUS knows that you’ve worked hard to make your business successful. Unforeseen disasters of all types can spell the end of your business if you aren’t properly prepared and insured. If you live in Cypress, TX, let us help you protect your business with the right insurance policies for your needs. 

How people are responding to crisis financially

A new survey has found that 60% of adults are concerned about their finances over the next six months.
The study by Fidelity shows that people are taking steps to improve their financial goals.

  • 48% are cutting back on non-essential spending.
  • 44% are working to boost emergency savings.
  • 15% are investing more money in the stock market. Very low stock prices on solid companies have made cash investing attractive. However, according to Motley Fool, people should only invest money that they won’t need for at least seven years.

Vaccine technologies: Why a Covid vaccine will take months, not centuries

The smallpox virus raged among humans for 10,000 years before a leap of insight led to the vaccine that killed it forever. The insight took about 300 years to develop.
Today, in the wake of the Covid crisis, drug companies throughout the world are experimenting with vaccines. One company, Moderna, took 42 days to create an experimental vaccine.
Why so fast?
The most obvious reason is the research infrastructure: Laboratories, drug companies, medical systems — systems we take for granted — have never before been available on such a wide scale. Humans are in the era of science and technology.
Still, of the seven known coronaviruses, there are no known human vaccines.
According to Johns Hopkins Senior Scholar Dr. Amesh A. Adalja, the key to the new rapid development of vaccines is new vaccine platform technologies. Writing in leapsmag.com, Adalja says these platforms use the same building blocks to make more than one vaccine. Using the basic platform, researchers are able to, in effect, switch out one targeted virus (or bacteria or other organism) like a person switches out a video game cartridge. One example of that is the ebola vaccine, which uses another virus as a platform with the ebola protein inserted.
A variety of different approaches are being used to create a Covid vaccine. Moderna is using an RNA approach. Inovio is using a DNA model in which genetic material is injected into the platform and human cells translate it into a viral protein. At that point the immune system makes antibodies.
Other approaches include nanoparticles (by Novavax), while other companies try to adapt an avian coronavirus vaccine.
According to Adalja, a coronavirus vaccine could possibly confer protection against other human coronaviruses, eliminating their use as a biological threat in the future.
And, even curing the common cold.

One virus was the scourge of humans

As bad as Covid-19 has been, it is not even close to the worst viral disease that has swept humanity.
That honor probably goes to smallpox, a disease so toxic that it wiped out entire populations, killing up to 500 million people in the 20th century alone. It was especially deadly for children, killing up to 80 percent. Survivors of any age were left disfigured, blind, or both. After exposure, symptoms began within a week to 19 days. High fever, fatigue, aches, and vomiting appeared first, followed by red sores on the face, hands, arms, and, finally, trunk of the body. These sores left deep, pitted scars on survivors.
According to estimates by the Centers for Disease Control, the Covid virus kills between 0.26 percent and 0.4 percent of infected people. Smallpox killed no less than 20 percent and up to 60 percent in some populations.
According to the Annals of Internal Medicine, the earliest written accounts were from China in about 400 BC, but possibly earlier.

The good news
Today smallpox is gone. The last case in the U.S. was in 1949 and the last case in the world was in 1978. Today the only remnants of smallpox are the light scars left by vaccinations on people born before the 1980s. In 1979, it was declared eradicated after massive inoculation campaigns on every continent. It is thought to live only as a sample in three labs in the world.

First vaccinations
For more than a thousand years, people knew that once a person contracted smallpox, they would ever after be immune. This knowledge led to the first genuine vaccinations.
In China, as early as 400 BC, smallpox scabs were ground up and injected into the noses of healthy people.
The first western experimentation was in 1789 by English doctor Edward Jenner, who found that a similar virus, cowpox, could protect humans. The technique, which used fluid from an active smallpox sore, was scratched into the skin or vein.
The technique was not perfect. People contracted a fever and perhaps some sores but recovered. However, there was a risk of contracting the active disease.

Tips for giving a speech

When you’re going to talk at a meeting, see the boss, or give a speech, it’s normal to be nervous. Dorothy Leeds, author of Power Speak gives this advice that helps:

  • Prepare. Make an outline of what you will say. Do a dress rehearsal to see how you look even if it’s just a raise request to a supervisor.
  • Check the meeting plan. Know when you will be able to speak.
  • Visualize yourself doing well, having a successful talk with the boss or making good points at the meeting.
  • Memorize a few opening sentences. After that you can look at your notes.
  • Walk calmly, take a few deep breaths as you wait to speak. Arrange your notes and materials.
  • Don’t forget to breathe when you are speaking. If it helps, put a symbol in your notes indicating breaths.
  • Watch your gestures. Don’t hold a paper if you are shaky.
  • Learn to pause. It lets the audience catch up with you.
  • Never tell the audience you are nervous.