Facts from 125 years of chiropractic

The first U.S. state law licensing chiropractors was passed in 1913; and by 1931, 39 states had given chiropractors legal recognition. Each day more than one million adjustments take place across the globe. In over 125 years of chiropractic, the first blind chiropractor was Charles Robinson Johnson, born in a mining camp and accidentally blinded at age 27. He graduated from the Palmer School of Chiropractic in 1918 at the age of 39. Women are twice as likely to suffer from severe headaches or migraines than men. Chronic pain causes depression in 77% of people who report it. Chronic pain costs the U.S. $2,000 per year in health care costs per person on average, with 36 million Americans missing work per year. Whiplash, one of the most common car accident injuries, is treated primarily by chiropractors. A Nobel prize winner by the name of Roger Sperry found that 90% of the brain’s stimulation and nutrition comes from the movement of the spine. An injured worker is 28 times less likely to have spinal surgery if the first point of contact is a chiropractor rather than a surgeon. There are approximately 10,000 chiropractic students in 18 nationally accredited chiropractic colleges across the United States. The term “chiropractic” derives from two Greek words: “cheir” which means hand, and “praktos” which means “Done by Hand”. Chiropractors treat over 35 million Americans; this includes adults and children annually. Treatment for low back pain by a chiropractor costs up to 20% less than when started by an MD. Workers in the health care industry sustain 4.5 times more overexertion injuries than any other type of worker. In 2017, the American College of Physicians released an update to its low back pain treatment guideline that recommends first using non-drug treatments, such as spinal manipulation (a centerpiece of chiropractic care), for acute and chronic low back pain. Also, in 2017, an analysis published in the Journal of the American Medical Association supports the use of spinal manipulative therapy as a first-line treatment for acute low back pain. A study conducted at 3 military medical centers found that chiropractic care combined with medical care for low back pain provides greater pain relief and reduction in disability than medical care alone. An estimated 10% of the world’s population suffers from lower back pain. 29% of Americans believe stress is the cause of their back pain. More than one million back injuries are sustained in the workplace annually. Nursing assistants suffer the most from work-related musculoskeletal disorders involving the back. Americans spend at least $50 billion annually on treating back pain. Back pain accounts for more than 264 million lost workdays each year. 77% of people who saw a chiropractor in the last year described their care as “very effective”. After the common cold, back injuries are the biggest reason for absenteeism from work. A study involving almost 1,000 people over a period of 12 months concluded that one-third of patients are likely to have a recurrent back-injury episode, with approximately half having to seek care. Research by The Journal of the American Board of Family Medicine found that replacing a visit to a doctor with a visit to a chiropractor for back pain could save Medicare $83.5 million every year. People who are immunodeficient can seek chiropractic care for treatment of their symptoms. While it is not a cure for immune disorders, a chiropractor has effective therapies for such challenges as joint pain and digestive problems. All 32 NFL teams have their own chiropractor to boost performance, maintain wellness and treat musculoskeletal strain and injury. The lifetime prevalence of low-back pain is reported to be as high as 84%. Chiropractic assistants (CAs) number 40,000 in clinical and business management roles for chiropractic practices across the United States. In over 125 years of chiropractic, chiropractors are the third-largest group of healthcare providers. Nearly one out of 10 Americans goes to a chiropractor each year. Chiropractors are designated as physician-level providers in the vast majority of states and the federal Medicare program. The essential services provided by chiropractors are also available in federal health delivery systems, including those administered by Medicaid, the U.S. Departments of Veterans Affairs and Defense, Federal Employees Health Benefits Program, Federal Workers’ Compensation, and all state workers’ compensation programs. Today, there are more than 70,000 active chiropractic licenses in the United States. All 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands officially recognize chiropractic as a health care profession. Many other countries also recognize and regulate chiropractic, including Canada, Mexico, Great Britain, Australia, Japan and Switzerland. Source: Chiropractic Economics, 12/19/20.

20 Ways Cars Are Keeping us Poor

Many people in America are “car poor”, which means they are dumping much of their cash into their vehicle. The vast majority of Americans own cars. Overall, most of us are a part of this society that is draining their bank accounts in order to get from point A to point B. Take a look at the 20 ways cars keep us poor. 20. Owning A Car Is A Necessity - The U.S. has such wide-open spaces that there are plenty of places without public transportation. And even when it does exist, it’s not always reliable. When buses are late, it means trouble at work, which is why most people are forced to own a car. According to the Department of State, 85% of Americans own cars. Those who don’t own a car typically live in a city or have access to rides when they need them. Some people would see this as a huge advantage to the rest of the world because Americans have the freedom to go anywhere they want. However, it’s also a financial burden. 19. Easy to Get Car Loans - Have you noticed how difficult it is to get a mortgage or a credit card with a high limit, and yet it’s easy to qualify for a 30,000 car loan? Money is still money no matter where you borrow it from. But car companies make it extremely easy for people to take on debt. Most people justify getting a car loan because they realize that they need a vehicle to get to work, so lenders take full advantage of American’s need for transportation. One of the biggest mistakes people make when purchasing a vehicle is not shopping for car financing. They will often ask the dealership to apply for loans on their behalf. It’s actually far better to look for car loans from your existing bank, they will often give you a better interest rate and monthly payments. 18. Cars Can Cause Bankruptcy - A lot of people don’t realize that just because you get approved for a car loan doesn’t mean you can actually afford it. This puts people in awful financial situations. Car repossessions are on the rise as there has been a sharp spike in people defaulting on their car loans since 2018. As of 2019, there were more than seven million Americans whose car loans were more than 90 days late, which is grounds for repossession. At that point, some people need to file for bankruptcy to keep their creditors at bay. Aside from medical debt, credit cards and car loans are the leading cause of bankruptcy in America. 17. A Poor Public Transportation System - The U.S. has one of the worst public transportation systems in the world. Buses are often late and unreliable, and bus stops are often uncovered during inclement weather. There is also a social stigma that only the poorest would resort to using the bus, which makes people feel less inclined to take it unless they are truly desperate. But this attitude may be changing soon. According to the US Census Bureau, the number of car-less households has increased ever-so-slightly from 8.9% to 9.1%. This isn’t a huge change, but it is significant because the number of households with at least one car has been increasing since the 1960s. This trend could be due to the availability of rideshare apps like Uber and Lyft. Millennials are also becoming more conscious of vehicle emissions affecting the environment and may hold off from buying a car. 16. The Outrageous Cost of Car Repairs - When you’re struggling with money, expensive car repairs can be devastating. In my teens and early 20’s, I was working multiple part-time minimum wage jobs. I drove a beat-up old car that I bought with cash to get to work since I couldn’t afford a monthly car payment. Since I was making so little money, I would struggle to save up a few hundred dollars in savings. Then it was almost like my car knew because it would break down, and I needed a repair, which wiped out all of the money in my savings account. Eventually, when I got to my mid-20s, I bought a much newer car because I realized that the amount I was paying averaged out to $300 a month for repairs. That is the cost of a newer car payment, minus the stress of my car breaking down all the time. Someone who uses public transportation would never have to deal with this sort of issue. 15. Cars Depreciate in Value - If you buy a brand-new vehicle, your car loses 10% of its value as soon as you drive it off the lot. In five years, the car will lose 40% of its original value. This would be considered a terrible failure of an investment if you were to put that same amount of money in the stock market. Yet people think it’s a completely acceptable way to spend their money. Depreciation happens to every car out there. The best way to reduce your losses from depreciation is to buy a car that’s already a few years old with a low amount of mileage. A car’s value has already decreased to the point where you aren’t likely to lose much more money. 14. People Always Want An Upgrade - Just like everything else in life, once you have used an object for a long time, you start to get tired of it. As the years go on, technology improves, and so do cars. People want to look stylish and hip, so they’re willing to continue buying new cars in order to keep up with appearances. There are some professions were this matter more than others, but some people truly feel as though they need a new car to be taken seriously in their field. Others have a “dream car” that they want to get someday when they make more money. Plenty of people will swap out their cars earlier than necessary. 13. Price For Used Cars is Rising - For a long time, buying a used vehicle was seen as a way for people to save money. Unfortunately, now the price of used cars is getting higher. According to a report by Reuters, the increase in the number of people losing their cars is beginning to have a direct effect on the prices of used cars. As people lose their car to the repo man, the demand for cheaper used cars has done up, and so have the prices. For many low-income Americans, they knew they could save up some cash and buy a car at a local dealership. But prices will continue to go up since demand is so high. This only makes life more difficult for the poor. 12. Car Accidents Are Costly - According to the National Highway Traffic Safety Administration, the United States pays $871 billion every single year for car accidents. This amount includes the cost of government assistance, insurance claims, medical care, loss of life, loss of income or lifestyle, and the list goes on. To make matters worse, insurance experts say that the average American will be involved in four car accidents during their lifetime. If you have car insurance, you will probably be covered if the accident was not your fault. However, if you make a mistake, it could end up costing you a lot of money. Even if you’re fully covered, being in an accident takes away your time, and can be traumatic. 11. Gas Prices Keep Getting Higher - It’s no secret that gas prices keep getting higher in the United States. The average American also pays $386.09 per year on gas. Back in 1970, gas was only 36 cents per gallon. As time goes on, it will only become more expensive to drive. Cars typically have better gas mileage, and people are starting to buy more electric and hybrid vehicles. For the people who are focused on optimizing their mileage, they might be able to save money. But for the millions of Americans who can’t afford an electric car, they have no control over how efficient gas mileage is. 10. The Increasing Number of Super Commutes - The definition of a “super commute” is when someone has to travel 90 minutes or more to go to work. This trend is on the rise in the United States and has risen by 32% in the past 10 years. This is more common for people who live near major cities but it’s too expensive for them to live there. If you need to drive long distances to find a better job, so be it. Time is one of the most valuable resources people have. Even if you are a millionaire, you still only have 24 hours a day just like everyone else. If you are wasting several hours each day just getting from Point A to Point B, it can cut down on your productivity and energy levels. 9. Multi-Car Households - Americans in the middle and upper class typically live in multi-car households. Until 2006, the average amount of cars per household was two. This is due to the fact that both partners may have full-time jobs. Even stay-at-home moms need their own vehicle to take their children to sports practice, doctors’ appointments, and grocery shopping. So instead of coordinating with each other’s schedules, Americans choose the most convenient option even if it’s far more expensive. However, in today’s world, you can call an Uber to get a ride if your car needs to get repaired for one day. The cost of paying for a few rides in emergency situations is far cheaper than having an actual vehicle per person. 8. Cars Aren’t An Asset - Most people don’t know the difference between a liability and an asset. They wrongly assume that their car is an asset because it is something they are buying that holds long-term value. Once the car is paid off, you can usually get something back if you choose to sell it. Just because you can resell something later doesn’t make it an asset. Cars are actually a liability. We already mentioned how you immediately lose value in your car through depreciation. This happens to both new and used cars, so you are always losing money when you buy a car no matter which one you buy. An asset is something that holds value that will make you money. 7. Owning a Car is Linked to Job Opportunities - In the U.S., there is a direct correlation between high rent prices and access to opportunities. The more expensive somewhere is to live, the closer it usually is to high-paying work. If you grew up in a poor neighborhood, the businesses in your immediate vicinity might only pay minimum wage. The Atlantic published an article called, “How Car Ownership Helps the Working Class Poor Get Ahead”. They explained that there is a direct correlation between poverty and car ownership in the United States. Out of the small percentage of households without a car, they are often living on housing vouchers, and would otherwise be homeless. Once they own a car, they get more access to better neighborhoods as well as work opportunities. 6. Add-On Fees - When you buy a car from a dealership, they will try to add on extra fees to make the price of the car higher. These are upgrades that aren’t actually necessary or could be done by yourself for a fraction of the price. Keep in mind that once these are added onto your total bill, you are also paying interest on these add-ons. Before you buy a car, always check the itemized list of add-on fees. 5. People Are Nervous to Sell Cars - People who buy from dealerships typically trade their old cars in for a down payment. They assume that they are getting a good deal, but the reality is that you lose money every time you hand over your old car to a dealership. The average person loses $2,340 when they trade in a car. Everyone has the ability to sell their own car, but they just might not have the confidence to do it themselves. If you have no experience with this, check out Dave Ramsey’s article called “How to Sell a Car.” 4. Health Hazards - Anyone who has anxiety already knows how nerve-wracking it can be to drive in traffic. Some of us tense up, have back spasms, and high blood pressure when driving in terrible circumstances. According to Web MD, driving is actually hazardous to your health and can potentially lead to your death. Distracting yourself by texting while driving, looking at the GPS, or any other distraction has been known to cause more accidents than anything else. One-second distractions kill 42,000 people every single year. Basically, if you didn’t drive, the odds of you dying an early death go down exponentially. For the families whose loved ones have died, it can be devastating both financially and emotionally. 3. Traffic and Parking Tickets - It’s no secret that traffic and parking tickets can be a huge expense. This is especially true if you live in a city where it’s difficult to find parking. The average cost of a speeding ticket is $152, which can be devastating to someone who’s on a tight budget. Obviously, if you used public transportation to commute to work, this would be a non-issue. To make matters worse, when people can’t afford to pay their parking and traffic tickets, you may have to go to court to fight the charges. This means taking time off of work, causing you to lose money. 2. The Annual Cost of Ownership - Even if you own a car outright, having a car is never free. The average cost of car ownership in the United States is $2,671 per year just for insurance, repairs, fuel and registration. Of course, most people also have to worry about their monthly car payments on top of the normal upkeep. The average payment for new cars is $554, while used cars are $391. Multiply those figures by 12 months in a year, this means people are paying between $4,692 to $6,648 per year on their monthly payments. If you add on the average cost for everything, it means most people are paying about $8,000 per year. For someone who makes minimum wage, this is completely unaffordable. 1. Parking Passes - If you live in a city, you’re already used to the idea of paying for parking, or getting a special permit. In rural areas, there is plenty of space to park, and it’s usually free. But on college campuses and urban areas, you will need to pay to park your car. The price of parking passes will change depending on where you live, but many places require at least $50 a month. Some cities will allow you to pay a flat fee to get a permit for the entire year, but it usually costs several hundred dollars upfront. Source: moneyppl.com, 12/5/20.