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Floods are dangerous and can cause severe damage to both property and lives. In the event of a flood warning, it's vital to act quickly to ensure the safety of yourself and your loved ones. Here's what to do: Seek shelter immediately: Move to higher ground or evacuate to a designated safe zone. Avoid walking, swimming, or driving in floodwaters: They may seem shallow, but strong currents and hidden hazards can pose a serious risk. Stay off bridges over fast-moving water: Floodwaters can make bridges unstable or sweep them away. Follow evacuation orders: Leave as soon as you're told—don't wait for conditions to worsen. Move up in your building: If you can't evacuate, move to a higher floor, ensuring it's safe. Stay put if directed: Only stay in place if officials advise it's the safest option. Remember, just six inches of moving water can knock you down, and one foot can carry away a vehicle. Always follow emergency officials' instructions and stay inform

Beyond the Basics: Unlocking the Nutritional Nuances of Milk & Eggs We all know milk and eggs are nutritional powerhouses, but did you know there's more to the story than meets the eye? Let's dive deeper into the nutritional nuances of these everyday staples. Milk: More Than Just Calcium Beyond its calcium content, milk offers a wealth of nutrients, including protein, B vitamins, and vitamin D. But did you know the type of milk you choose can impact its nutritional profile? Pasteurized milk may retain more heat-sensitive vitamins like B12 and folate than UHT milk. If you opt for UHT, ensure you get these nutrients from other dietary sources. Eggs: The Omega-3 Factor Eggs are a fantastic source of protein and choline, essential for brain health. But omega-3 eggs take it up a notch, offering a boost of heart-healthy omega-3 fatty acids. If you're not a fan of fish or struggle to get enough omega-3s, these eggs can be a valuable addition to your diet. If budget is a concer

Savvy Shopping: UHT vs Pasteurized Milk & Common vs Omega-3 Eggs - Making Informed Choices In today's world of abundant choices, even simple grocery staples like milk and eggs come with a variety of options. We often find ourselves pondering - is the pricier option truly worth it? Let's break down two common dilemmas: UHT vs Pasteurized Milk and Common vs Omega-3 Eggs. Milk Matters: UHT vs Pasteurized UHT milk, with its extended shelf life and convenience, is a pantry staple for many. But pasteurized milk, often touted for its fresher taste and potentially better nutrient retention, comes with a slightly higher price tag. Is it worth the splurge? If taste is your top priority, pasteurized milk might win you over. If you're on a tight budget, UHT milk offers great value. Consider your dietary habits: Are you getting enough B12 and folate from other sources? If so, UHT might suffice. Egg-cellent Choices: Common vs Omega-3 Omega-3 eggs boast heart-healthy benefits, but the

The Ripple Effect: How Insurance Companies Can Turn the Tide on Fall Risks Introduction Imagine a world where a simple misstep doesn't spiral into a life-altering event. For millions of older adults, this is not just a daydream but a pressing reality. Falls are like a hidden tide, silently pulling people into a sea of health complications, fear, and financial strain. But what if we could change that? What if insurance companies, often seen as distant protectors, could become the lighthouse guiding policyholders away from these dangerous waters? Falls: The Silent Tsunami Every year, millions of older adults are caught in the undertow of falls, with about one in four aged 65 and older experiencing this unsettling plunge​( NCOA ). The aftermath of these falls often includes broken bones, hospital stays, and a loss of independence, much like a shipwreck leaves its passengers stranded. For those aged 55-65, the risk is still significant, with research showing that around 26.5% e

Today, I enjoyed a comforting bowl of rice paired with Huadiao braised pork belly ( 花雕五花肉 ), Hakka-style braised pork ( 客家卤肉 ), a boiled egg, and a delicious anchovie soup with crispy fried onions and sweet leaf (mani cai). While this meal was hearty and satisfying, I felt the rice portion was too much for my preference. Let's dive into the nutritional breakdown of this meal.   What’s in the Meal? 1. Rice: While rice is a great energy source, I prefer a smaller portion to avoid feeling overly full. Adjusting portions to match your energy needs and preferences is always good. For those looking for a more balanced approach, swapping white rice for a smaller portion of brown rice can provide added fiber and longer-lasting energy. 2. Huadiao Braised Pork Belly and Hakka Braised Pork: These dishes are rich in flavor and provide a generous amount of protein and fats. However, they also come with a higher content of saturated fat, particularly with the use of pork belly. While it's gr

I’m Tung Kai Xu, a versatile professional with a PhD in mechatronic engineering, specializing in healthcare, finance, and technology. Currently, I serve as a consultant at Angsana Health, where I leverage data and technology to enhance patient outcomes. With over 12 years of experience in financial advisory across leading firms like Great Eastern and Zurich, I integrate financial planning with healthcare innovation. In addition to my consultancy role, I consult on senior care projects with Universiti Malaysia Perlis and manage property and rental services. My passion for holistic well-being and extensive travels across Southeast Asia and beyond enrich my approach to tackling complex challenges and developing innovative solutions.

会议主题为《"写出一篇吸引眼球的活动报道"分享会》，主要讲者是郭秋香，她分享了撰写引人注目的活动报道的技巧和方法。 主要讨论点包括： 1. 创建引人注目的标题和开头的重要性。 2. 使用生动的描述和个人观察来使报道更具吸引力。 3. 在开头段落中集中描述活动中最有影响力或最有趣的方面。 4. 在信息传达与情感和人性化内容之间寻找平衡。 5. 根据现代读者较短的注意力跨度调整写作风格。 6. 示例了如何重写现有的报道使其更具吸引力。 7. 强调保持年轻一代的阅读和写作技能的重要性。 讲者提供了多个改善活动报道的实例，并鼓励与会者以创造性的方式思考自己的写作方式。此次分享会互动性强，与会者有机会提问和讨论。 基于讨论内容，主要讨论的主题包括： 1. 撰写引人入胜的活动报道和新闻文章的技巧。 2. 制作引人注目的标题和开头的重要性。 3. 运用个人观察和情感使报道更加生动。 4. 在信息传递与故事元素之间找到平衡。 5. 根据不同的受众，尤其是年轻读者，调整写作风格。 6. 文字的力量及保持阅读和写作技能的重要性。 7. 通过示例展示如何通过重写新闻报道来使其更具吸引力。 8. 鼓励提交教会新闻给主流报纸。 讨论集中在改善与教会相关的新闻和活动报道的写作技巧，强调如何使报道更具吸引力和影响力。

1949年的投资抉择：巴菲特策略与桥水基金“全天候”策略的对比 1949年，你手中有一笔巨额财富——277.5万两黄金、1520万银元和1537.4万美元，总计约 **1.38亿美元**。假如你将这笔钱交给投资大师沃伦·巴菲特和桥水基金创始人雷·达里奥，他们会如何打理这笔财富？到了2023年，这笔财富又会变成多少呢？本文将通过对比巴菲特的高回报投资策略和桥水基金的“全天候”策略，探讨长期投资的巨大差异。 ### **巴菲特的投资策略：挑选优质企业，享受长期复利** 沃伦·巴菲特的投资哲学是集中投资于那些具有长期竞争优势的优质公司，依靠长期持有这些股票来实现财富增长。他以耐心和独特的选股眼光著称。 #### **假设的投资情景** 假设在1949年，你将这1.38亿美元交给巴菲特，并在接下来的74年里实现了 **13%** 的年化回报率，那么这笔钱在2023年的价值将是多少？ #### **计算结果** 使用复利公式 在巴菲特的策略下，这笔投资在2023年的价值将达到 **约116.86万亿美元**。 ### **桥水基金“全天候”策略：追求稳定增长** 雷·达里奥的桥水基金“全天候”策略旨在通过广泛分散投资于股票、债券、黄金和大宗商品，确保投资组合在各种经济环境下都能稳健增长。 #### **假设的投资情景** 假设1949年这笔1.38亿美元的财富由桥水基金管理，并在74年里实现 **8%** 的年化回报率，那么到2023年，这笔钱会变成多少呢？ #### **计算结果** 同样使用复利公式计算： 在桥水基金的策略下，这笔投资在2023年的价值为 **约41.04亿美元**。 ### **结果分析：长期回报的巨大差距** 从以上计算结果可以看出，巴菲特的策略在长期内创造了 **巨额财富**，远远超过了桥水基金的策略。这显示出长期高回报率在复利的作用下可以极大地放大投资回报。 ### **理性的投资组合：如何平衡高回报与稳定性** 尽管巴菲特的策略在回报率上具有显著优势，但投资者应根据自己的风险承受能力和投资目标来选择适合的策略。桥水基金的“全天候”策略虽然回报较低，但在多变的市场环境下提供了更大的稳定性。一个理性的投资组合应结合两者的优点，既享受高回报的潜力，又通过分散投资来降低风险。 ### **结论** 投资的关键不仅在于选择高回报率的策略，更在于理解市场波动

  Unlocking the Full Potential of AI: A Strategic Workflow with Copilot, ChatGPT, and Gemini In an era where AI tools are rapidly evolving, knowing how to best utilize their strengths can significantly enhance your productivity and the quality of your work. After experimenting with various AI chatbots, I’ve developed a method that leverages the combined power of GitHub Copilot, ChatGPT, and Gemini AI. This approach streamlines problem-solving and content creation, enabling you to produce refined, well-researched outputs efficiently. Here’s how you can apply this strategy in your own work. Step 1: Start with Copilot AI for Quick, Straightforward Answers When you’re faced with a problem, the first step is to ask GitHub Copilot for a direct answer. Copilot excels at providing immediate, context-aware information, whether you’re looking for a referral source for a study or a quick code snippet to solve a programming issue. This tool is your go-to for laying the groundwork and setting a cle

Understanding and Preventing Falls in Older Adults: A Comprehensive Guide Falls among older adults are a significant public health issue, leading to injuries, decreased quality of life, and increased healthcare costs. This comprehensive guide delves into the multifaceted nature of falls, including their causes, the impact of various risk factors, and recommendations for prevention.  1. Causes and Risk Factors Falls in older adults often result from a combination of intrinsic and extrinsic factors: Intrinsic Factors: Age-related declines in muscle strength, bone density, and balance, alongside chronic conditions like arthritis and cognitive impairments, significantly increase fall risk. Extrinsic Factors: Environmental hazards such as poor stairway design, inadequate lighting, clutter, and slippery surfaces contribute to falls. The interaction between these hazards and intrinsic risk factors like impaired vision or reduced mobility complicates fall prevention efforts.  2. Impact of Fall

Watch the insightful video here: Preventing Falls: Key Strategies for Healthy Aging As we age, maintaining our well-being becomes increasingly important. One critical aspect is preventing falls, which can have serious consequences for older adults. This post will cover practical strategies to reduce fall risk and promote healthy aging. 1. Home Safety Matters Remove Hazards: Regularly assess your home environment. Eliminate tripping hazards like loose rugs, clutter, and uneven surfaces. Good Lighting: Ensure proper lighting in hallways, staircases, and bathrooms. Well-lit areas reduce the risk of falls. 2. Stay Physically Active Exercise: Engage in regular physical activity. Consider low-impact exercises like walking, swimming, or tai chi. These improve strength, balance, and flexibility. -Muscle Strengthening: Focus on exercises that strengthen muscles. Resistance training (even with light weights) is effective. Otago Exercise Program: Specifically designed for fall prevention, th

在《圣经》中，耶和华被称为“耶和华拉法”，意思是“耶和华是医治你的”（《出埃及记》15:26）。这个名字强调了神作为医治者的角色，不仅在身体上，也在精神和灵魂上给予医治和安慰。以色列人在旷野中经历了许多困苦和挑战，但每当他们呼求耶和华，神总是以各种方式医治和拯救他们。这种医治不仅仅是身体上的康复，更是心灵和灵魂的安慰与恢复。 然而，今天的拉法口岸却是一个充满痛苦和不安的地方。拉法口岸连接着加沙地带和埃及，是加沙地带的重要通道之一。由于持续的冲突和轰炸，拉法口岸的现状非常严峻。成千上万的居民被迫离开家园，寻求避难所和人道主义援助⁶。尽管国际社会不断努力提供援助，但由于局势的不稳定，物资供应和人员撤离面临巨大挑战⁷。 在这样的背景下，耶和华拉法的意义显得尤为重要。面对战争和冲突带来的创伤，人们需要的不仅是物质上的援助，更需要心灵上的医治和安慰。耶和华拉法提醒我们，神是医治者，他关心每一个受伤的灵魂，愿意给予他们平安和恢复。 当局者应当反省自己的行为，努力寻求和平解决方案，减少平民的痛苦和伤亡。国际社会也应积极介入，提供更多的人道主义援助，帮助受影响的民众渡过难关。正如耶和华以勒所示，神是供应者，他必预备一切所需。在当前的危机中，信仰者可以依靠神的供应和保护，寻求内心的平安和力量。

马可福音 Mark  4:35 And the same day, when the even was come, he saith unto them, Let us pass over unto the other side. 当那天晚上，耶稣对门徒说：“我们渡到那边去吧！” 4:36 And when they had sent away the multitude, they took him even as he was in the ship. And there were also with him other little ships. 门徒离开众人，耶稣仍在船上，他们就把他一同带去，也有别的船和他同行。 4:37 And there arose a great storm of wind, and the waves beat into the ship, so that it was now full. 忽然起了暴风，波浪打入船内，甚至船要满了水。 4:38 And he was in the hinder part of the ship, asleep on a pillow: and they awake him, and say unto him, Master, carest thou not that we perish? 耶稣在船尾上，枕着枕头睡觉。门徒叫醒了他，说：“夫子，我们丧命，你不顾吗？” 4:39 And he arose, and rebuked the wind, and said unto the sea, Peace, be still. And the wind ceased, and there was a great calm. 耶稣醒了，斥责风，向海说：“住了吧！静了吧！”风就止住，大大地平静了。 4:40 And he said unto them, Why are ye so fearful? how is it that ye have no faith? 耶稣对他们说：“为什么胆怯？你们还没有信心吗？” 4:41 And they feared exceedingly, and said one to another, What manner of man is this, that even th

In the Bible, Jehovah is known as "Jehovah Rapha," meaning "The Lord who heals" (Exodus 15:26). This name highlights God's role as a healer, providing not only physical healing but also spiritual and emotional comfort. The Israelites, during their time in the wilderness, faced numerous hardships and challenges. Whenever they called upon Jehovah, He healed and saved them in various ways. This healing extended beyond physical recovery to include the restoration and comfort of their souls. Today, the Rafah Crossing, which connects the Gaza Strip and Egypt, is a place marked by pain and unrest. Due to ongoing conflicts and bombings, the situation at Rafah Crossing is dire. Thousands of residents have been forced to leave their homes, seeking refuge and humanitarian aid. Despite continuous efforts by the international community to provide assistance, the instability of the situation poses significant challenges to the supply of essential goods and the evacuation of p

Balancing Co-Payment Features in Malaysian Healthcare: A Delicate Equation 1. The Role of Co-Pay: A Double-Edged Sword Understanding Co-Pay :  Co-Pay  is an individual's upfront payment before insurance coverage. They discourage unnecessary utilization of private hospitals for minor cases. The Catch : While deductibles promote cost-consciousness, they can inadvertently push patients toward public hospitals. Striking the right balance is crucial. 2. Co-Insurance: A Middle Path Co-Insurance Defined : Co-insurance involves cost-sharing—patients pay a percentage (e.g., 5%) of medical costs. It encourages financial responsibility without outright denial of care. Empowering Patients : Co-insurance empowers individuals to take ownership of their healthcare expenses, ensuring both patient and insurer share the cost of healthcare. 3. The Stop Loss Safety Net When Bills Skyrocket : What if medical bills become overwhelming, even with co-insurance? Enter the stop loss provision. How It Works

Balancing Affordability and Access: The Malaysian Healthcare Dilemma 1. Historical Evolution of Insurance Policies in Malaysia The roots of insurance in Malaysia extend back to the 19th century during the colonial era. The pioneer was the Oriental Life Assurance Company, established in 1819 . Over time, insurance companies experimented with various approaches, including deductibles, coinsurance, and stop-loss provisions. These aimed to strike a balance between cost containment and coverage. Recent trends, however, indicate a shift toward policies that allow near-full 100% claims. Insurers now compete to offer comprehensive medical health insurance coverage. 2. Effectiveness Assessment: Copayments and Beyond Policymakers must assess the impact of different cost containment mechanisms. Copayments, in particular, warrant scrutiny. Copayments : These involve cost-sharing between insurers and policyholders for medical treatments. But are they effective in controlling costs? Analyzing histor

Navigating Healthcare Costs in Malaysia: Insights for Policymakers 1. Deductibles: The Gateway Toll What Are Deductibles? Imagine a healthcare toll booth. Before the insurer kicks in, individuals pay a fixed amount—the deductible. It’s like paying for the appetizer before the main course. Malaysia’s Palette: Let’s consider family deductibles and tailor them to our cultural nuances. Perhaps separate deductibles for outpatient and inpatient care? 2. Coinsurance: Sharing the Burden, Malaysian-Style The Coinsurance Dance: Once you’ve cleared the deductible hurdle, it’s time for the coinsurance waltz. You and the insurer share the bill. Picture this: You’ve paid the cover charge, and now you’re splitting the bill with your dance partner. Malaysia’s Rhythm: Set reasonable coinsurance rates. Too high, and folks might skip the tango altogether; too low, and the insurer might trip over its own shoelaces. 3. Preferred Provider Organizations (PPOs): Orchestrating the Ensemble PPOs Unplugged: Thes

Unlocking Value in Healthcare: Lessons from Around the Globe Understanding Patient-Centric Approaches and Innovative Financing      I’ve witnessed the evolving landscape of healthcare systems worldwide. Today, I invite you to explore how patient-centered care, public-private partnerships (PPPs), and forward-thinking financing models intersect to create a more sustainable and compassionate healthcare ecosystem. 1. Patient-Centered Care: Beyond Symptoms and Diagnoses What Is Patient-Centered Care? Patient-centered care transcends the traditional doctor-patient relationship. It’s a holistic approach that considers not only medical symptoms but also emotional, social, and financial factors affecting patients’ lives. Here are the core principles: Empathy and Respect : Listening to patients, understanding their values, and involving them in decision-making. Transparent Communication : Sharing information openly and honestly. Continuity of Care : Ensuring seamless transitions across healthcar

  Navigating Value-Based Healthcare in Malaysia: A Multicultural Mosaic By Tung Kai Xu As an insurance guy with over a decade of experience in the dynamic APAC region—particularly in Malaysia and Singapore—I’ve witnessed the intricate dance between healthcare, insurance, and policy. Today, let’s delve into the concept of value-based healthcare, dissect its implications, and explore how it resonates with our local context. The Call for Change Health Minister Dzulkefly Ahmad’s recent plea to private hospitals is a clarion call for transformation. He urges them to shift from the traditional pay-for-service model to a more nuanced pay-for-outcome approach. The goal? Improved health outcomes and taming Malaysia’s rampant medical inflation—a staggering 12.6%, far exceeding the global average of 5.6%. The Value Proposition Value-based healthcare isn’t just jargon; it’s a fundamental shift. Instead of merely tallying services rendered, we’re now discussing paying for results. Imagine a world w

  Health Minister Dzulkefly Ahmad wants private hospitals to shift from pay-for-service to pay-for-outcome to improve health outcomes and curb Malaysia’s high medical inflation rate from uncontrolled procedure costs Health Minister Dzulkefly Ahmad has called on private hospitals in Malaysia to adopt value-based health care to curb medical cost inflation and improve health outcomes.  Admitting that the country’s medical inflation rate of 12.6 per cent is high compared to the global average of 5.6 per cent, Dzulkefly urged private health care providers to shift from a pay-for-service model to a pay-for-outcome approach. “I urge private health facilities, especially the Association of Private Hospitals Malaysia (APHM), to consider this approach. As a minister, I want value-based health care — not pay-for-service but pay-for-outcome — to ensure payment effectiveness and health outcomes without fueling inflation due to uncontrolled procedure costs,” Dzulkefly said. The intention is good. Th