Laser Technology Treatments

Patronella MD specializes in laser technology treatments for age spots, scar improvements, birthmarks and tattoos.Age spots that appear on the face and hands result from aging and overexposure to the sun and the environment. Ninety percent of face aging is caused by sun damage and only ten percent occurs as a result of genetics.With laser technology, lasers are used to resurface the skin, which in turn results in the growth of new skin cells and produces a smoother, tighter and more youthful appearance.Recovery from laser surgery takes about three to five days, depending on the type of surgery and depth of the peel. After about two weeks, patients are able to wear makeup again and resume most normal activities.

Laser skin resurfacing is a safe and effective way to reduce fine lines and wrinkles on the skin without the risk of surgery. Because of the precise ability of the laser, Dr. Patronella is able to control the depth of the treatment and target specific areas of the skin to in turn reveal new layers of skin. As part of the healing process after laser skin resurfacing, new collagen is produced that results in tighter, smoother and younger-looking skin. Dr. Patronella is skilled in several procedures to improve the appearance of scars, including surgically realigning the scar along natural lines, narrowing the scar, or flattening the scar. The use of ultra-pulse laser technology safely improves the appearance of some scars, usually after a few sessions, and in most cases, without the use of anesthesia. 

Dr. Patronella also may recommend Dermabrasion, which is a procedure which lightly sands the skin to smooth out imperfectionsLaser technology is successful in treating and removing birthmarks (including port wine stains), tattoos and others types of pigmented lesions. The lasers work by destroying vascular malformations in the skin through the use of selective absorption, allowing for minimal discomfort to the patient. However, more than one treatment may be needed to reduce or eliminate the discoloration associated with the birthmark, tattoo or lesion. Dr. Patronella will determine the number of treatments during your consultation with him.Following laser treatments, most patients are able to immediately return to normal activities. Only trained physicians who understand the effects of improper exposure to the lasers should perform laser treatments.

Although there is not a method of hair removal that is completely permanent, laser technology (unlike electrolysis in which each hair follicle is treated with a needle) scans each area of skin to be treated and uses a cooling gel to protect your skin. The hairs that are being treated with lasers should be at least stubble length for satisfied results. The amount and length of treatments depends on factors such as hair and skin color; recent tanning or sunburn; use of certain medications and which area is being treated. You may experience temporary reddening in the treated area after the laser procedure, but most patients' normal activities are not interrupted. Dr. Patronella advises that you avoid sun exposure for a few days after treatment to avoid hyperpigmentation of the treated areas

Financial Aid

The primary purpose of the financial aid program is to enable qualified students with limited financial resources to attend Herkimer County Community College. Approximately 75% of our student population receives some source of financial aid while attending our institution. To be eligible to receive financial aid, students must matriculate into a degree program by completing an admissions application.Financial aid is any grant, scholarship, loan, or employment opportunity with the express purpose of assisting students with educational related expenses. 

Although the primary obligation for college expenses rests with the student and the student's parents, the College, the community and the State and Federal governments have programs of financial assistance that can be employed separately or in combination to meet individual needs.

The College gives priority in awarding financial aid to those students with the greatest need. Federal and state regulations require students to maintain satisfactory academic progress and program pursuit in order to receive financial aid. Student federal and state financial aid will be based on enrollment hours calculated by the college's census date for each term. The census date is approximately three weeks into each semester and is also the day the student incurs full tuition liability of charges. Here are a two examples explaining how a student's enrollment status can affect their financial aid. Federal Financial Aid - If student registers for 12 credits and drops to 9 credits prior to the census date, then adds another 3 credit class after the census date, the student will be evaluated as a part-time student. State and Federal Financial Aid - If a student is registered for 9 credit hours prior to the census date and then adds a 3 credit hour course after the census date the student will be considered a part-time student.

 Student federal and state financial aid will be based on enrollment hours calculated by the college published census date for each term. The census date is approximately three weeks into each semester and is also the day the student incurs full tuition liability of charges.A Federal Pell Grant, unlike a loan, does not have to be repaid. Pell Grants are determined by the student’s need and awarded only to students who have not earned a bachelor's or professional degree. Students that are enrolled for at least three credit hours and meet the above criteria may be eligible for a Pell Grant.This grant is for undergraduates with exceptional financial need, and priority is given to students who file their FAFSA prior to the April 1st deadline. Students must be eligible to receive a Federal Pell Grant to receive SEOG. You do not have to repay SEOG awards

Automobile Insurance

In business since 1937, Progressive Insurance remains one of the most innovative insurance companies when it comes to providing quality automobile insurance. In the 1960's, the booming company launched the Progressive Corporation, and has been continuing to move forward ever since. With more than 11 million customers, the Progressive Corporation's auto insurance sector currently ranks third in the nation.Recent innovations in the automobile insurance industry:2003- Progressive became the first company to open claims service centers designed to unite "retail-like" front offices with garage space in which representatives on the spot could inspect vehicles. The company began selling the first insurance policies for Human Transporters. (HT's)2001- Innovating again, Progressive became the first automobile insurance company to allow payments to be made via personal digital assistant devices. (PDA's) Became the first publicly held company to disclose its underwriting results on a month- to-month basis. 2000- Progressive became the first company to sell boat, motorcycle and personal watercraft insurance over the Internet. At the same time, Progressive also became the pioneer in allowing online quotes for recreational vehicles

Not only is automobile insurance the law, but it is a good idea. For the majority of people, a car accident at some point during their life is not unusual. Whether the accident is your fault or not, car insurance can provide for your expenses, the individuals affected, and let you go on with your life. Otherwise, if you find yourself in an accident without insurance, you may be left paying off the bills for the rest of your life.people with clean driving records (last five years), drive cars with a lot of safety features, and combine insurance policies to include their home, or life can receive discounts. These days, there is no excuse not finding the company and policy that is right for you. Use the internet and search auto insurance. You will find many companies such as AAA, gegio and Nationwide that can give you a free quote from your answers to a few simple questions. If you need international information, there are many resourceful website that provide Car Insurance Company information for Canadian, UK and other nations. Protect those you love and others on the road, 

purchase car insurance today car insurance is best described as a "just-in-case" precautionary method for unexpected accidents. Before you decide to purchase auto insurance and choose from a particular provider, it is important to evaluate what limits and deductibles meet your needs. Just remember, check online for a quote and find the best auto insurance rates.If you or someone you've given permission to drive your car is in an accident where they are at fault, you are liable. Liability covers property damage, legal defense costs, and bail bonds to you, and property damage, medical services, and death to the people you've injured

Instant Term Life Insurance Quote

You can get an instant term life insurance quote. If you think about it the internet has pushed the life insurance business way into the future. You don't have to listen to the ramblings of a life insurance agent if you don't want to. There is one thing you have to do though and that is to decide what type of term life insurance you want to buy, how much you want and how much you want to spend on this policy. You can go from there and get an instant term life insurance quote then buy your policy.If your plan is to get an instant term life insurance quote for the protection of your income for your family in the event of your death you need to decide how much income they will need. 

Let us assume you take home $4000 per month after taxes and the varying deductions. You are married and have one child 3 years old. There is no reason to believe that your family will not need the entire $4000 per month even if your spouse earns an income. $4000 per month is $48,000 per year. If you own $1,000,000 of term life insurance that money invested at 5% after your death will yield $50,000 per year and the principal will stay in tact. You may be able to safely do better than that but I think you see what I am driving at. Get an instant term life insurance quote on that amount. If the premium is too much for you at this this time reduce it according to what you can afford.

What type of insurance should you buy? For a family situation the 20 years term policyis usually a good policy to use. It has a level death benefit as well as a level premium. It is fairly inexpensive. If you need something a little cheaper start off with the 10 years term Remember that 10 years is not a very long period of time and you may need to convert to a permanent policy sometime in the future to guarantee the continuation of your coverage after the 10 year period.  If you are requesting an instant term life insurance quote for key employee insurance the 20 year term policy is also good for that situation. 

As to the amount...a good rule of thumb is to insure the employee for 5 years of his or her salary. If s/he is being paid $100,000 per year then you will need $500,000 to offset the loss your business may suffer while you find an appropriate replacementYou can also use the 20 year term policy, or may be the 30 years life insurance policy to fund your buy-sell agreement in the event of the death ofpartener or stockholders  The amount will depend on the going concern value of the company and the of stock or shares owned. The amount of insurance would be the dollar value of each shareholders stock taking into consideration projected growth over the next 5 years

get out of debt

You don’t need credit cards at all. If you’re in debt, credit cards are a trap. They only put you deeper in debt. Later, when your debts are gone and your finances are under control, maybe then you can get a credit card. (I don’t carry a personal credit card. I don’t miss having one.)After you destroy your cards, halt any recurring payments. If you have a gym membership, cancel it. If you automatically renew your world of warcraft account, cancel it. Cancel anything that automatically charges your credit card. Stop using credit.Once you’ve done this, call each credit card company in turn. Do not cancel your credit cards (except for those with a zero balance). Instead, ask for a better deal. Find an offer online and use it as a bargaining wedge. Your bank may not agree to match competing offers, but it probably will. It never hurts to ask

For some, this is counter-intuitive. Because if you don’t save first, you’re not going to be able to cope with unexpected expenses. Do not tell yourself that you can keep a credit card for emergencies. Destroy your credit cards; save cash for emergencies.

How much should you save? Ideally, you’d save $1,000 to start. (College students may be able to get by with $500.) This money is for emergencies only. It is not for beer. It is not for shoes. It is not for a Playstation 3. It is to be used when your car dies, or when you break your arm in a touch football game. 

Keep this money liquid, but not immediately accessible. Don’t tie your emergency fund to a debit card. Don’t sabotage your efforts by making it easy to spend the money on non-essentials. Consider opening a savings account at an online bank like ING or emirants When an emergency arises, you can easily transfer the money to your regular checking account. It’ll be there when you need it, but you won’t be able to spend it spontaneouslyAfter you’ve stopped using credit, and after you’ve saved an emergency fund, then attack your existing debt. Attack it with vigor. Throw whatever you can at it. Many people say to pay your high interest debts first. There’s no question that this makes the most sense mathematically. But if money were all about math, you wouldn’t have debt in the first place. Money is as much about emotion and psychology as it is about math.

drug treatment program

Admission into Pacific Hills' drug treatment program usually starts with a phone call from the addicted person's family member or friend. Family and friends can play critical roles in motivating individuals with drug problems to enter and stay in a drug treatment program. Involvement of a family member in an individual's drug treatment program can strengthen and extend the benefits of the program.In addition to stopping drug use, the goal of Pacific Hills' drug treatment program is to return the individual to productive functioning in the family, workplace and community. Measures of effectiveness typically include levels of criminal behavior, family functioning, employability, and medical condition. 

Once the client has been admitted into Pacific Hills' drug treatment program, the clinical staff will perform both a medical examination and a psychological-social assessment to evaluate the client. The psychological assessment is done to establish whether there are psychiatric or emotional disorders presentThese co-occurring disorders can affect the client's treatment unless they are treated. Our drug treatment program at Pacific Hills includes assessment and treatment of co-occurring disorders and, if necessary, the client will meet weekly (or as needed) with a consulting psychiatrist for psychiatric evaluation and appropriate treatment. 

During the client's tenure at the Residential Inpatient phase of our drug treatment center, they will attend both group and individual therapy, lectures, relapse prevention workshops, Big Book study, Alcoholics Anonymous 12 Step meetings, exercise sessions, family counseling, etc. Each client is assigned a case manager who helps the client plan his strategy for long-term recovery after discharging from Pacific Hills' drug treatment center. If deemed necessary, the client can continue for an additional four weeks in our Transitional care drug treatment program. This program allows the client to continue in our drug treatment program in a semi-structured environment where half-day courses continue to educate and support the client in his new found recovery. 

Pacific Hills offers another option for those seeking a drug treatment program, Day treatment. This option is normally attended by local area residents who already are living in a drug-free environment. The Day treatment clients enroll for a four to six week cycle and are provided the same curriculum as in our Residential Inpatient drug treatment program. Another option for clients is to attend Pacific Hills' Intensive Outpatient drug treatment program. Most clients who choose this type of treatment do not require close supervision. Clients who enroll in this drug treatment program receive a minimum of 12 hours of group and individual instruction per week as well and attend workshops. 

online bachelor degree programs

This is a course about money; how to manage your own, how and when to use someone else’s, how to avoid money problems, what to do when they occur, and how to put our money to work. This course is intended for the average consumer and will only cover the basics. It is designed to be what spring training is for major league baseball players, a refresher course on fundamentals that we all know but often forget, and an opportunity to pick up some new ideas and techniques that can help improve our game.It will touch on the main issues concerning money that affect average consumers. It doesn’t, however, address everyone’s main concern about money; how to get more of it. That’s an issue we leave to you. We’re just going to try to help you handle what money you have. Anyone looking for an in-depth, sophisticated approach to this subject will be more than a little disappointed. This is just plain talk about everyday situations.
We have structured the course to reflect the average consumer’s monetary life cycle with respect to the use of money in our society. We have divided the course into three sections representing the three phases that most people go through with their money. Phase I is when we begin managing our money for the first time, typically using checking and savings accounts. In Phase ii, we graduate to using someone else’s money and enter the wonderful world of credit. Finally, in Phase iii we wake up to the fact that we need to provide for our future security and start saving. Unfortunately, there are a lot of folks in Phase I and Phase ll, than in Phase lll. These three divisions represent the most common progression in the use of money that we see in this country today.
Money affects our lives in so many important ways that it is hard to imagine a day that goes by when we don’t use it. Yet, for most of us, it passes through our lives like water under a bridge without our giving thought as to how it can be controlled or put to better use. Indeed, few public elementary or secondary schools offer any classes in personal finance. While many parents pass along useful information and training to their offspring on a variety of subjects ranging from auto repair to home decorating, few sit down with their children and show them how to balance a checkbook or use a household budget. The reason for this should be obvious; parents can’t or don’t teach their children about things that they themselves were never taught.This creates a society in which the majority of its members, due to ignorance of, or indifference to, the management of what is arguably the most important resource available to them aside from their health, are at the mercy of retailers and lenders who know about how to hang on to it. Most of us deal with money on an emotional not intellectual level. When we use money we are feeling and not thinking. Our culture provides us with an abundance of clever little sayings about money, such as “money can’t buy happiness”, “easy come, easy go”, and numerous others, equally ridiculous