Month: June 2017

A Possible Solution to High COBRA Premiums

COBRA costs in the 2006 survey averaged $9,914 per year, 19% higher than two years ago. That’s on average $826 per month. If you elect COBRA coverage, you must make the initial premium payment within 45 days of your COBRA enrollment. If you don’t make the initial premium payment within those 45 days, your coverage will typically be terminated.

Now, as a rule people enroll for COBRA benefits for one of several reasons and they could be, lay off, retirement, change in job status such as reduction in hours, death of a spouse or divorce to name a few. As I’m sure you’ve noticed none of the reasons I mentioned for getting on COBRA are positive life changes, in fact the only positive reason I can find for COBRA would be retirement (if it is voluntary).

In the summer of 2002 my family fell into this issue directly as I was laid off from my manufacturing job here in southeast Michigan. My monthly COBRA payment was $786.00 per month. For any average working class family this financial burden would be devastating and our family was no exception. Our issue matched those of many other families and was simply this; our income had been reduced to my unemployment check. That unemployment income amounted to $1448.00 per month, minus $786.00 for COBRA left us a grand total of $662.00 per month to cover all our other expenses, seriously? And even that amount was before taxes!

The question I needed to answer was this: Do I pay the $786 per month and deplete our savings account substantially faster or simply go without heath insurance until I found new employment. My plan was to go without, until finding new employment. Then a few days later my wife informed me she was pregnant, thus more or less forcing us to pay the high premium and mind you this price was for an HMO plan!

A few years after our dilemma had come to pass my best friend found him self in the same situation we were in. Out of work with no benefits and financially strapped. Now for my friend COBRA was not even an option as he had recently remarried and had six children living with him. Fortunately for him I had found an alternative.

The alternative is Consumer Driven Health care. There are several companies that offer this product, I directed him to one named Ameriplan USA. I selected Ameriplan for several reasons, 1. They are the innovator of this line of Health care. 2. They are the industry leader. 3. Most importantly to me they have strong ties to the Consumer Health Alliance, the governing body that regulates their industry.

When he looked into it and found the program would save him over $600 per month in premiums along with nearly $700 on immediate Dental needs his family had they enrolled immediately.

I sincerely wish I had this information myself in 2002 when my family was faced with its health care crisis. …

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A Beginners Guide To Resources

What Can You Benefit through Life Coaching?

If you have heard about life coaches, you might have a general idea about the work that they accomplish in their professions, how they help and guide people who seek their help in a time of trouble or confusion. However, this general idea might not be very satisfying to you, and you might wish to delve even deeper, to understand the specific and numerous benefits that those who decide to visit a life coach and to talk to and gain help from this professional will be able to benefit. These people might wish to visit a life coach themselves, but first wish to be educated about the process and the things that they can expect when they decide to take this step. You will definitely be glad to know that when you do some research and do some reading about life coaches, you will be able to find that there are indeed so many great benefits involved in visiting one.

The first thing that people will be able to enjoy through life coaching is the benefit of being able to gain the clarity that they need to see what goals they want to achieve in their lives. If you are like a lot of people in the world of today, you might be confused as to which goals you really want to accomplish, and being thus confused, you might not be able to achieve anything much. The good news is that with the help of a life coach, people can see more clearly the direction which they must go, which will help them make more sense of their lives.

Another thing that people will be able to enjoy when they decide to visit a life coach is the benefit of being able to gain the change that they might want to see in their lives. This is because when you have a life coach, you will feel accountable to someone, and this is certainly a very powerful tool that might lead you to accomplishing the change which might not yet have come to your life until now. If you feel that you have habits which seem impossible for you to break and get over, then, or that your life is going around in circles, you might just be able to turn things around and achieve change with the help of a life coach.

One who is able to find a good life coach will also be able to benefit because this professional will give him or her unbiased advice and input. Your family and your friends can certainly give you support and advice, but sometimes you need to hear the advice of someone who is unbiased, someone from the outside who does not have any attachment of friendship or love for you.

One who visits a reputable and an experienced life coach, then, will definitely be able to enjoy benefits and advantages which are truly wonderful and truly satisfying.…

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Short Course on Resources – Getting to Square 1

Know How to Effectively Locate the Best Success Coach

It really is not easy to succeed and the need to consider seeking a professional will be needed to assure such goal, reason why you should be careful to find the right success coach. Make sure that you will want to confirm that you are going to hire a success coach who really is capable of getting the job done and that they are confirmed to be experts in the industry. See to it that you will want to consider checking on the very things that we have for you to increase the odds of actually picking the right one for your very needs.

To make sure that you will look into such will then provide you with a good understanding and an increased assurance that you will have the right one chosen. To consider looking into such matter really is something that will then lead to ensure that you will have a great investment at the end of the day.

Making sure that you will want to look into the right things is important since there will be a whole lot of these you could choose from. Be sure that you will want to check and look into the very items that we have below for you to have a better chance at working with the right success coach. To make sure that you will check on the right things is really important, because of it being that you will have a better assurance that your investment will most likely return to you tenfold.

When choosing the right success coach, it is ideal that you will have to choose one who actually specializes on the type of job you need done. It also is quite possible and needed for you to choose one who has a handful of years of experience in the industry as a success coach. Consider checking on such type of specifics and you should then be able to assure that the path you take is as per the right specifics.

It also is important and ideal for you to check their respective websites as well since this should hold a ton of valuable information that you could use to assure that you will have as much information about the success coach and for you to also check the feedback and reviews.

The right success coach should want to do more and go for the extra mile just so the client will be provided with the right things. Having to consider investing on such matter really is something that will assure that your investment will return tenfold, reason why it pays to carefully choose the right one, one that actually is able to provide you with the best results.…

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Social Health

Social health, along with mental and physical health, is one of the key aspects to determine the general well-being of a person. The importance of social health has not been a big focus when people talk about health. However, experts say that the social well-being of an individual is just as important. Social health refers to the ability of an individual to thrive in the society and interact with other people, a form of mental health. This incorporates different elements of a person's character, personality and social skills. A healthy person should be able to function in society and reflect social norms. Social health could also refer to the general health of society, taking into consideration how people behaved and treat one another. A healthy society is also a requirement for a person to function socially. The existence of governing law, wealth distribution, levels of social capital, and the public's access to decision-making processes are some of the indicators of a healthy society.

According to studies and research, social interactions play an important role in improving mental and physical health. It is not enough that a person exercises every day, eats a balance diet and goes to some spa to relax. A healthy individual also socialize with the people around him and forms different kinds of relationships. A healthy person is able to keep friendship, intimacy or other personal relationships. A bond between a person and the people around them provides a positive attitude towards life and makes it easier for to cope with stress. That's why a healthy person knows how to call their friends and ask for some advice in times of need. Popular studies also show that a person overcomes illness better when surrounded by a support group of families and friends. Isolation on the other hand can lead to mental illness. A person, who is already suffering from depression, needs people to understand what they are going through and help them recover. Being alone only aggravates the condition.

These are only a few reasons why social health have been receiving more and more recognition as a vital determinant of one's general health. Health includes healthy social relationships for complete mental health. …

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What are the Real Benefits of Ginseng Supplements?

The benefits of ginseng have been known to many cultures for thousands of years. Grown in the cool climates of East Asia, the ginseng root has been taken orally to aid the body in a variety of ways, from curing illnesses to aiding digestion to simply keeping the body healthy and strong. In many traditional societies, ginseng benefits are well documented, and they have ranged from more specific applications like curing hepatitis C to more broad benefits, such as lowering blood pressure and increasing stamina.

Modern science too has looked into the therapeutic value of this unique medicinal herb. Several studies have shown ginseng to lower blood glucose levels and improve immune function. Still other studies have found that one of the benefits of ginseng is increased longevity because of its ability to control stress levels. It has also been linked to lower levels of cancer, a ginseng health benefit that everyone can gain from.

Other ginseng benefits stem from its ability to increase blood circulation. This in turn adds to other benefits of ginseng, for example, its capacity to increase healing potential in the body. Another ginseng health benefit that is connected to increased blood circulation is its scientifically proven ability to increase sexual performance in both men and women. By stimulating blood flow, ginseng enhances libido and sexual stamina through changes in the central nervous system and gonadal tissues.

Another of the benefits of ginseng is that it helps to make the aging process smoother. It has been used in Chinese societies to aid in the treatment of menopause symptoms for centuries. American ginseng is widely recognized to be an adaptogen, meaning that it functions as a supplement to give the body whatever it needs. This is an enormous ginseng health benefit, as the taking of a ginseng supplement is a good way to make sure that your body has everything it needs to function at its highest capacity. It also means that it keeps things like blood pressure in check, adjusting circulation to make sure your body receives the maximum oxygen. Ginseng has also been used to help make other supplements more potent. Native Americans, for example, utilized the benefits of ginseng by adding it to other herbal mixtures.

The widespread acceptance of a ginseng health benefit has led to ginseng’s becoming the most popular herbal supplement in the world. From traditional Chinese applications to modern scientific studies, the advantages are hard to ignore. Ginseng benefits nearly all systems of the body in all stages of life. Before taking a supplement, you should be sure to talk to your doctor; then all the benefits of ginseng will be yours!…

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Indian Ginseng: Ashwagandha

Ashwagandha, known as the Ginseng of India, is an exotic herb. Also known as Winter Cherry, it comes from the root of a tall branching shrub with yellow-green flowers, cultivated in India and North America. The shrub is called Withania Somnifera. Ashwagandha calms and strengthens the nervous system, promotes sleep, helps arthritis, relieves weakness and clears the mind. It is considered a promoter of good health and well being for the entire body, similar to other “ginsengs”. However, unlike regular Ginseng, it has a sedative effect on the Central Nervous System. Regular Ginseng has a stimulant effect. Ashwagandha contains natural chemicals and flavonoids which calm the central nervous system and balance the systems in the body. It has been shown to act as an anti-inflammatory as well, comparable to hydrocortisone. Ashwagandha contains the amino acids alanine, glycine, proline, tyrosine and valine which enhance brain function.

Ashwagandha has been used for thousands of years in India as a folk medicine by Ayurvedic practitioners. It has undergone valid scientific testing and in a double-blind study in India, healthy males taking this Indian ginseng showed slowed signs of aging, less grey hair, lower serum cholesterol, and increased sexual performance. Indian scientists have also proven that Ashwagandha disrupts the ability of cancer cells to reproduce. Both skin and stomach cancer were slowed with its use. A test on rats in Germany showed that acetylcholine metabolism was affected in the brain by Ashwagandha. Acetylcholine is the most abundant neurotransmitter in the brain and is essential for good memory and cognitive abilities. A recent Japanese study showed that the compounds in Indian ginseng reduced the growth of colon, breast and lung cancer. In India, Ashwagandha is used to treat geriatric patients, amnesia and as an antioxidant treatment, since its use has shown to increase three antioxidants: superoxide dismutase, catalase, and glutathione peroxidase. Other studies showed that Ashwagandha has antimicrobial and antibacterial properties against such bacteria as Salmonella.

Ashwagandha may be taken daily. So far no dangerous side affects have been reported with use in moderate dosages, which is 2-6 grams daily. It should not be taken by pregnant women, with sedatives or illegal drugs. It comes in various forms such as powder, liquid, tablet and dried root. Many health food stores carry it. …

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Start a Fitness Plan

Staying in shape is something that you will want to think about over and over again. After all, when you are in shape and exercising regularly you have a much better chance of leading a healthy life. One of the best ways that you can do this is by starting a fitness plan. Although you may already be on your way to success in this arena, the fact of the matter is that a fitness plan can make 100 percent sure of this.

But where are you going to find a fitness plan that suits your needs? Better yet, do you know where to find solid information on this? One of your best options is to begin scour a health articles directory. In these directories you will find hundreds of top articles on anything imaginable. Not only will you obtain good information on fitness plans, but details on particular conditions and ailments are also available.

To find a good health articles directory you can start your search online. Within a matter of minutes you will have access to more articles than you ever thought possible. In fact, you will probably have a hard time making it through all of these in one sitting.

Of course, you can also get information on starting a fitness plan direct from your physician. This is a good option to consider because it will allow you to know for sure that you are getting quality information. After all, if it is coming from the mouth of your doctor you can be assured that it is going to be good for you and your lifestyle.

As you can see, there are many steps that you can take to help you start a fitness plan. If you feel that you are not getting the proper amount of exercise, a fitness plan may be all that you need. For this reason, check out a health articles directory and also touch base with your doctor. By doing these two things you will have plenty of information on your side in no time at all. …

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Cycling: Health and Fitness Guide

When it comes to convincing people to try cycling, some would usually ask, “Why go cycling when you can burn your calories in the gym?” While it is true that working out in the gym can help in losing weight and toning our muscles, outdoor cycling has its own merits.

Cycling is a low impact exercise meaning it does not put too much pressure that strains our joints unlike in running or high impact aerobic exercises and weight training in the gym. Our muscles can get a real good workout since cycling uses all the major muscle groups as we pedal our way through bike paths, roads and hills. Furthermore, as an aerobic exercise, cycling is an ideal cardiovascular workout since this activity makes us breathe deeper, experience increase in body temperature making us perspire, an indication of burning calories and a way of eliminating some toxins in the body like body fat. Cycling is an exercise that does not pressure us since we can do it at our own pace. It is also fun to do because we can do it with our friends or family and unlike in the gym where we are just confined training with various equipment within the walls, outdoor cycling gives us a sense of fun and adventure as we travel pedaling our bike.

According to research, steady cycling can burn as much as 1,200 kilojoules or about 300 calories per hour. Studies also show evidence that a half hour bike ride everyday will burn nearly five kilograms of fat over a year. Do the math and see how much fat can be burned when we ride our bikes for an hour or more every day. We use our bicycles not just as a form of leisure exercise, but we can also use them as our mode of transportation especially when we have gained that confidence on the road.

Of course, like any other exercise, we can get the most benefit from cycling when we pair this activity with proper diet and proper eating habits. It would be beneficial for us to come up with a meal plan so that the exercise would be complemented with the proper diet.

Experts suggest that we increase the protein in our diet, eat a nutritious breakfast at least an hour before the ride and have a protein-packed food for lunch or dinner. A healthy light snack can be taken in during long rides.…

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How to Find The Perfect Dentist

It is no longer enough just being able to afford a particular facility. The world is filled with fraudulent individuals. Hence, it is important to make sure you are getting the appropriate treatment or service for which you paid for.

When it comes to health care, there is no scope of compromise. Before you go yourself or send your family to be treated by a so-called medical professional, it is important that you know you will not be tricked. You should not be deprived of the best quality treatment for which you are paying. And the same goes for dentistry.

Many people report of having bad experiences at the dentist’s. This is most likely due to the fact that they went to see a man who was bad at his profession. But how would you find the best dentist to whom you can take your family? Well, here are some tips which you can follow in your search for the best oral care provider.

Ask your Friends and Relatives

Not many people will be as honest with you as your friends and family. So ask them about where they go for their dental check ups. Ask them about the doctors and how do they handle the work. Inquire the same things from your friends and colleagues. By now you should have a big chunk of dentist names which have been referred to you by the people you trust. But which one of them should you visit? This is when the internet comes into play.

Research The Dentists in Your Area

With the availability of the Internet, information is at your disposal like never before. So now that you have referred to your friends and family search the web to find what the rest of the people have to say about the recommended dentists. You can read the reviews given by other patients and learn more about them.

It could have been the matter that with your friend the dentist might have done a good job but not with most other people. Which means, the dentist might not have a consistent performance. Researching the internet is for this very purpose of ruling out dentists who don’t have a steady track record.

Be Attentive During Your Visit to The Dentist

By now you should have a handful of dentist names that you are considering. Good! But for the first appointment you make, don’t do it over the phone. Instead, go to their clinic and observe the decor.

You should know a saying that a person’s house says a lot about who they are. Similarly, if you observe the clinic and it is clean, the employees have a positive attitude providing due diligence, then this is the right place. On the other hand, if you find that the clinic is messy with rude and uncaring staff, then it is best you don’t entrust your family’s health to this place.

Also, remember that if your children get a bad experience with the dentist at …

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Facial Skin Care – Treat Your Skin

There are several appropriate and inappropriative ways for performing facial skin care. Many people accept that the application of a lot of facial creams and skin care products will actually increase their chances of getting better looking skin and keeping it that way. However, the truth could not be further.

The real fact is that skin in general does not really need a lot of products to achieve that glowing look. The first step to healthy looking skin is to know your skin type. It is only then that you will be able to choose the facial skin care product that matches your skin type. This step is very important as the wrong skin care can often make your skin look worse that when you started.

Step Two To Proper Facial Skin Care

You probably guessed by now that cleaning has a very important role to play in giving your skin proper skin care. However, once you have chosen a product that meets your skin type, maintaining a daily cleansing routine is what will ever give you the results that you are after. It is important that once you start, you stick to it to avoid complications or blemishes. Your routine for facial skin care in the morning can be done without using any soap or cleanser.

If your face tends to get a little oily from oils and sebum that have accumulated during your sleep, you might want to wash it off with water. If you face is usually very oily, you might want to add a little amount of cleanser to your morning routine to wash the oily residue off your face. If you regularly wear make-up to go to work or when you go out, it is highly recommended that you use a cleanser after you have taken off your make-up. Ensure also that the water is just warm enough so as not to cause any broken capillaries.

Step Three To Proper Facial Skin Care

The skin is the largest organ in the body and unlike any other, its cells are constantly dying and new ones form to replace the dead ones. The dead layer of skin, although unseen by the naked eye, can block pores and cause blemishes and needs to be "removed" on a regular basis to allow your pores to "breath". This is called exfoliation and should be performed weekly to be beneficial. There are many ways that you could use to exfoliate your skin but it is far better to contact your dermatologist for a professional exfoliation. Although this could sometimes get quite pricey, you know that you are giving your skin the best treatment possible.

If however you can not afford professional exfoliation, there are also some packages on the market that will allow you to perform this yourself.

Step Four To Proper Facial Skin Care

Many people do not moisturize their skin / face because they believe that they have oily skin. The truth is that only people with acne need …

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