Reasons to buy life insurance today

There are many people out there who do not really understand why they need life insurance. A lot of people ask “Why do I need it?” and “What can it do for me?” A lot of these people do not realize that it is not necessarily for them. Life insurance is not about what it can do for you, it is about what it can do for the people you love most and the people you care about most. Life insurance provides a way for you to help and take care of your family and the people you love most even when you are no longer there to care of them physically and personally. That is why life insurance is important and that is why you should be considering it already.

As soon as you have a family of your own, you should start considering life insurance. A lot of people even do so before that. They take out life insurance so that their siblings or even parents might have some help from them if they are no longer around. As long as you have people who depend on your help financial, you should be thinking about life insurance and starting to put the pieces of a personal life insurance policy together.

Most people believe that they will live a long and healthy life, but the truth of the matter is that life is very unpredictable. The one thing that is certain about human life is that it is uncertain. And that is why you have to be prepared for the worst. A lot of people do not like to think about the worst. Life insurance often associates people with death and they do not want to think about that, much less talk about it openly and actually plan for it. But you should overcome these feelings, not for you, but for the future of the ones you love and the ones that depend on you.

Another reason that you need to consider life insurance soon is because it is not a very simple process. A lot of people think that life insurance policies are uniform and that all you have to do is pick the one that costs the less, but that is not true at all. In fact, that could not be farther from the truth. All life insurance policies are extremely individual in nature. You have to take all aspects of your life into consideration and think about the future in order to secure what’s best and most important for the people you love.

For example, if you just bought a house, your first life insurance policy could have something in it about paying off the mortgage in the case that you are no longer able to continue paying it once you are gone. But if time goes buy and you end up paying your complete mortgage off, then you can change your policy to focus on something else, for example, have it focus on the college tuition of your children.

Read More

The Fat Loss Factor : Guaranteed Highest Converting Front End On CB

In this short weight loss presentation I will teach you a somewhat unusual weight loss strategy that can help you get a flatter belly in under 7 days, while still enjoying the foods you love. This is the first tip that I always teach my patients here in Fishers, IN. And is the same tip that helped one of my patients whom I'm most proud of, (Lori) lose 2 inches from her belly, lose 8 lbs in only 9 days, lose 2 inches from each thigh, lose ¾ of an inch from each arm, and drop 3 dress sizes (At the age of 30, she now wears a smaller dress than she did in high school!).

Lori ultimately lost 90 pounds and I'll share with you 1 tip that helped her get there. I can't leave this video up for long, so be sure to watch it from beginning to end while it's still here. Please note: If you leave the page and come back, the video will automatically restart at the beginning.

Thanks and enjoy!

Read More

Final solution CELLULITE, NATURALLY

Hello friend,
If you are reading this text, it is because you are surely within the 99% of women who feel shame about your cellulite problem... and so far not have you been able to solve...

I know how you feel, because I also suffered the consequences of having that horrible cellulite. Perhaps you can identify with any of the situations that I have lived...

Have you had problems with your partner, because you don't want mantenerrelaciones intimate with the light on, and in some cases, directly evitabas intercourse...

You have used a lot of clothes to try to hide the imperfections of your legs and buttocks...

You've rejected many invitations fun of your friends because you didn't want to be seen in a swimsuit...

You spent many years vacationing in cold areas, to avoid having to wear little clothing, use the swimming pool or go to the beach...

You've spent hundreds, if not thousands of dollars in treatments and systems that never were... And many, many other situations, where you feel very ashamed, as I felt myself, and logradodestruir to have your self-esteem...

My research has shown me that many of the products that are traded are really a complete and utter scam. Some provide only temporary results, and others do not give any kind of results.

*Surely you already know many of these products... *Creams, pills or supplements, anti-cellulite *Massagers or treatments with rollers, *Wrappers for the body, *Anti-cellulite pants, *Treatments with coffee, *Etc, etc, etc...

Read More

Ortus Fitness added interest to your collection "Business welfare"

Universidad Autónoma de Barcelona

SAF

INDOOR CYCLING BY ORTUS FITNESS, FIRENZA.

 

Read More

Fitness style

Fitness is not something you do a couple times a week; it’s a choice a habit a life style.  It is all the little things that you do.  Busy people stay fit by making all the little choices everyday that reflect what they desire.  Maybe it’s choosing water over soda or maybe it’s taking the stairs instead of the elevator, it could be going on a walk with a friend on Monday nights or doing yoga in the mornings.  If you want to be fit and stay that way you must start by changing your habits.  One good way to do this is record everything you do and things you eat, that way if you see what you are doing you can change it.  Another thing that is very important is getting your body moving and your heart pounding, you should do this several times a week.  The best way of doing that is to exercise.   Often people have trouble staying accountable and many times are not sure what exercises are best for them.  These people have found that a personal trainer is a great asset and can often make the difference between doing the exercise right and doing it wrong sometimes. The trainers often make the difference between being fit and not being fit.

Read More

The Various Benefits of Yoga

 The popularity of yoga has increased tremendously throughout the world. This is mainly because of the many benefits that have been associated with it. This practice involves uniting the body mind and spirit, and it is recommended for individuals who would like a stress-free lifestyle. In fact, there are a lot of medical practitioners who recommend this practice in the alleviation of common diseases and symptoms.

For one to fully enjoy its benefits, genuineness, self-restraint, compassion and mental strength as well as selflessness are necessary. An individual who embraces this practice will enjoy more fulfillment in both their physical and spiritual lives. Yoga classes are also known for the emotional benefits that they offer. This is through the practice of breathe control and meditation which helps people to achieve inner peace and stability.

This practice also offers a lot of health benefits to individuals. People with back problems can attest to the fact that the pain is less. Individuals who have issues with their nerves also feel better after a class. Furthermore, the practice also helps to increase vitality in individuals as well as their energy levels. The various positions help the body to free itself from ailments. There are even some positions that can help in the prevention of certain diseases. People who take these classes will notice that their blood pressure is normal and that their blood circulation is also better.

*****************

The classes teach various types of yoga and it is advisable for individuals to do their homework in order to find out the type that is right for them. They can experiment in different classes or even speak to the teachers in order to understand exactly what the classes focus on. This will help them to make the most out of their classes. Those who do not have time to go for classes can purchase instruction videos which will guide them through the process from the comfort of their home. Regardless of the option they choose, they will be able to reap a lot of benefits from this practice.

Read More

Choose The Best Option To Lose Weight And Burn Off Fat And Pounds In 2013

Did you enjoy yourself this last great year of 2012, especially the holiday's such as Thanksgiving and Christmas, and the incoming new year of 2013? I have a good feeling that you did! You probably ate without thinking how much you put inside your stomach because it taste so good.

Do you ever look forward to exercising because it taste so good or feels so good? That's the 64 million dollar question. I know that there are many answers like if you qualify you can become a contestant on the "biggest loser show," and shed and lose some pounds.

You can also adopt a dog at the pound and if your dog gets away from you while your taking him or her on a walk, you can chase him or her all over town. You can lose some weight that way too! I know some of you will cheat and have dog treats in your coat pocket, then you will call out your dog's name and have that treat dangling in front of him or her then you will see how fast your dog will be flying back to you for that treat.

Now the lesson is your dog just burned some pounds off and loss some weight to get back to you for that treat. They say we can learn some things from animals and I really do believe that. They do have a good sense of smell. We as human beings also have a great sense of smell. But are we willing to run really hard to go get some treats or food? Maybe we could run to our food and lose weight.

Read More

The Disease of Sex Addiction 2

Many people resist the notion that sex addiction is a disease. But in The Minnesota Model, a seminal book on addiction recovery, Spicer points out the similarities between chemical dependence and the disease concept. Borrowing from George Vaillant's The Natural History of Alcoholism, Spicer shows how chemical dependence, like a disease, cuts across cultural and socioeconomic lines, is progressive, has specific signs and symptoms, and has a recommended course of treatment. In our view, sex addiction is no different. Here's why:

Does Not Discriminate

First, like other diseases, sex addiction is an equal opportunity disease. It could care less about your race or culture. It doesn't care about the fact that you're young, middle-aged, or elderly. And it doesn't care if you're broke or wealthy. It's a debilitating disease that affects people from all walks of life without discrimination or prejudice.

Progressive

Second, like other diseases, sex addiction is progressive. The frequency, intensity, and measure of risk increases with time. Masturbation may progress from once-a-week to three times a day. What began as a once-a-year trip to get an erotic massage turns into a twice-a-week event. The need for greater intensity leads to greater risk-taking. In the process, sex addicts contract sexually transmitted diseases, get caught in sting operations, and even commit suicide. Spicer writes that "people with a disease find their responses are less flexible." The sex addict's response to the normal ups and downs of life become progressively confined to a single, destructive response: the search for sexual satisfaction.

Has Recognizable Signs and Symptoms

Third, like other diseases, sex addiction shows certain signs and symptoms. Addicts often display some of the following symptoms: a deep feeling of shame and guilt following acting out behavior, constant obsession with acting out, and general malaise if unable to engage in the behavior. They also show the following signs: an inordinate amount of time spent in the pursuit of and recuperating from sex, unsuccessful attempts at stopping their behavior on their own, and decreased engagement in social, professional, or recreational activities. Once people acknowledge that they need help, they complain of having most, if not all of these signs and symptoms.

Read More

Nutrition Secrets For Healthy, Happier You

Good nutrition is no secret, you just need to know the facts. The following article lays out the facts clearly and succinctly so that you can incorporate good nutrition into your daily life immediately. You will see that good nutrition leads to a healthier body with more energy and a stronger immune system.

Don't remove fat entirely from your diet. Some fats are good for your body and allow you to have soft, supple skin. They combat inflammation and keep hormones in check, things that affect your skin's health. Nut and fish oil come in supplement form and can provide very healthy forms of fat.

Alkaline Ionized Water supplies nutrients, fights free radicals, improves hydration and counteracts damaging acids in the body. It is the worlds healthiest substance & is the ultimate way to Hydrate the body for Optimum Health. When your body is fully Hydrated & properly Alkalized your immune system is bullet proof!

Read More

Homemade Beauty Products for Beautiful Skin, Hair and Nails

Human beings are visual creatures and that is why physical beauty is such a big deal for both men and women. Cosmetic companies from all over the world have cashed in on the demand for beauty products, and some of the products are quite expensive. However, individuals can save a lot of money during hard economic times by using beauty products that can be found in the comfort of their own home. All they have to know is the various tips and methods of preparation and they will be on their way to smoother and healthier skin and hair.

Individuals who would like to make a home-made facial or scrub can use oatmeal and yogurt. Oatmeal is known for its smoothening as well as exfoliating properties. It is also great for sensitive skin that is easily irritated. The individual simply has to create a mixture of these two ingredients and gently apply it on their face. They should then rinse off with warm water and dry their face with a towel.

One can also make a facial mask using bananas, rolled oats, honey and milk. They should mix these ingredients together for about ten minutes before applying on the face. They should massage the mixture onto the face and allow it to sit for about five minutes before rinsing off with warm water. They will definitely notice the difference as their skin will be smoother and more radiant.

Mashed grapes and almond flour can work great as a facial mask. Aloe vera gel on the other hand can be used to thicken and strengthen one's hair. The individual simply has to massage the gel into their scalp and leave it for fifteen minutes before rinsing off.

Most of these ingredients can be mixed in extra quantities in order to make a scrub or cleanser for the whole body. Vanilla extracts can be added into the scrub formula for individuals who would like to smell great after the beauty treatment.

Homemade beauty products are cheap and very easy to make. This is because most of the ingredients can be found in the kitchen cabinets or refrigerator. Furthermore, they are preferred because the individual does not have to worry about allergic reactions due to chemicals. This is because they are always aware of all the ingredients that were used to make the products.

I am an avid researcher who loves writing on various topics including beauty, leisure, travel, entertainment and business among others.

Read More

Health Insurance FAQ

What is Mediclaim (Health) Insurance?

Mediclaim (Health) insurance is insurance coverage for medical treatments. The mediclaim insurance policy is a legal contract between the insured and the insurance company to cover the cost of medical emergencies that are ‘accidental and sudden’. The insured is expected to pay a specific premium amount regularly to utilize coverage benefits. Premiums are fixed not based on one’s income but on an assessment of risk status and coverage benefits. Health insurance policy once issued to a person can be renewed annually or monthly depending upon the insurer and the type of insurance policy chosen.

Who or What is TPA in a Mediclaim policy?

TPA means Third Party Administrator, approved by Insurance Regulatory and development authority (IRDA). They provide service with respect to coordination of treatment in hospitals/settlement of bills on behalf of Insurance Companies. Every Insurance company offers this cashless settlement facility. Even if TPA settles the bill with hospital you may have to submit your bill to TPA with respect to bill for 30 days prior to hospitalization and 60 days to post hospitalization. In your insurance policy the name of the TPA with whom you should coordinate will be clearly mentioned.

What is the difference between several TPAs?

All Third Party Administrator’s (TPA's) are approved by IRDA. There will be differences in the service and the cost for the service charged by the TPA. However all costs are included in the premium being charged from insured.

What are ‘Hospitals’ according to health insurance policies?

'Hospitals' are institutions that are duly registered and actively supervised by a registered medical practitioner, where one can get indoor treatment for sickness and/or injuries. There are few essential criterions to qualify as a ‘Hospital’: they are as follows:

• At least 15 beds for patients
• Fully equipped operation theatre to conduct surgery
• Qualified doctors and
• Qualified nursing staff round the clock
• 
  

• What is Domiciliary Hospitalization?

  Domiciliary Hospitalization means medical treatment for a period more than three days and an illness/disease/injury which in the normal course would require care and treatment at a Hospital/Nursing Home but actually taken while confined at home under any of the following circumstances, namely:

  1. The condition of the patient is such that he/she cannot be removed to the Hospital/Nursing Home or
  2. The patient cannot be removed to Hospital/Nursing Home for lack of accommodation therein
  3. 
     

  4. What is meant by Donor Expenses?

     Donor Expenses refers to all hospitalization expenses incurred by the donor for donating an organ (excluding the cost of the organ) to the insured during the course of an organ transplant.
     
     

     What is Family Floater plan?

     Family Floater is one single policy that takes care of the hospitalization expenses of your entire family. Quite often Family floater plans are better than buying separate individual policies. Family Floater plans takes care of all the medical expenses during sudden illness, surgeries and accidents.

     
     

     e.g.: The Ram Family is covered under a traditional health insurance plan - Mr. Ram Rs. 2 lakh, his wife Rs. 1 lakh, their son and daughter Rs.50,000 each and they have paid premium for all these 4 policies. In an unforeseen situation wherein surgery and post hospitalization bill of their son amounts to Rs. 1.30 lakh. The existing policy will cover only Rs. 50,000, while Mr. Ram will have to bear the balance Rs. 80,000 from his pocket. With Family Health Floater Insurance plan, each member of Ram’s family is covered up to Rs. 4 lakh. Thus, Family Floater would have covered entire Rs. 1.30 lakh medical expenses of Mr. Ram's son.

     
     

     Why should I take Family Floater health plan if I already have health insurance from my employer?

     With your personal insurance plan, you are in control of the insurance coverage. With an employers insurance, there might be limits on the coverage provide. Also, your employer will cover your medical costs as long as you are employed with that company. In the future, you may change your job, retire, or even start your own enterprise, and in these circumstances, you and your family will not be insured, and if a medical emergency arises and you have not arranged for an alternative health insurance policy. Also, purchasing an insurance when you are older and no longer employed is more difficult, as the insurance coverage becomes more restrictive as one ages. Pre-existing conditions are not covered and medical tests are mandatory at older ages, however these tests are not required to purchase medical insurance when you are younger.

     
     

     Can I utilize family floater plan by declaring my friends as family?

     Sorry, family floater is purely for the benefit of your family. Your friends and relatives are not covered under this policy.

     
     

     What will be the status of our floater cover once it is claimed?

     Every time the claim is made by any of the family member covered under the policy, floater cover will reduce to the amount of claim. The original value is restored back next year when you renew the policy.

     
     

Read More

15 minute Health Checks

The Employee Health Check utilises an Exercise Physiologist or Nurse for a 15 minute personalised consultation.

All tests are totally voluntary; all results remain private and confidential.

This health assessment measures and discusses the following important health parameters:

• * Cholesterol
• * HDL/LDL Cholesterol
• * Blood Pressure
• * Blood Sugar
• * Waist/hip Ratio
• * Weight/Height
• * BMI
• * Body fat percentage
• * Neck measurement (Sleep apnoea risk)

Individuals also have access to our “Healthy Facts” handouts.

Read More

Health seminars And Workshops

45-60 minutes duration

 Topics include:

• Decreasing Diabetes Risk
• Cardiovascular Heart Risk Factors
• Importance of health seminars
• Healthy Heart
• Exercise in No Time
• Healthy Eating
• Importance of Breakfast
• Marketing Myths and Facts
• Weight Management
• Stress Management
• Sleeping Better
• Men’s Health
• Women’s Health

During these 45-60 minutes, other topics may also be covered 
in our health seminars such as:

1. Benefits of Exercise 
2. Importance of Nutrition to overall wellness

Other options include:

• Cooking demonstrations

• Healthy breakfast/lunch with seminar

Participants are welcome to BizHealth’s other programs like health appraisals, health checks and skin checks conducted by our expert physicians. bizhealth Australia’s most popular seminars for Health Professionals.

Read More

Executive Health Appraisal

 The Executive Health Appraisal utilises an Exercise Physiologist and a General Practitioner for a 90-minute personalised executive health consultation.

 All tests are totally voluntary : all results remain private and confidential.

The Executive Health Appraisal Solutions includes the following:

* Medical assessment (Head to Toe examination)
* Discussion of 'Personal Health History'
* Discussion of any individual “Topics of interest”
* Review of pre-arranged pathology results include:

• Total cholesterol
• HDL cholesterol
• LDL cholesterol
• Triglycerides
• Blood Glucose
• Liver function tests
• Red & white blood cell count
• PSA (males > 45 years old)

 * Blood pressure
* Body composition measurement include:

• Height
• Weight
• % Body fat
• Waist / Hip / Ratio
• Body Mass Index

 * Lung function
* Flexibility and abdominal assessment
* Cardio-vascular fitness assessment (VO2 Max)
* Resting and exercise ECG
* Psychological stress inventory
* Cardiac ‘risk’ analysis
* 5 day dietary analysis by dietitian
* Written confidential report
* One-on-One follow up counseling to discuss confidential report & results
* Follow up 3,6,9 and 12 months; optional extra

Based on the result of this executive health appraisal, employees are advised to undergo weight loss programs and other health management programs if necessary.

Read More

Basic Benefits of Using Skin Peels

A skin peel involves the use of a chemical on the surface of your skin for exfoliation and revelation of better and fresher skin from underneath. They range from the mild types which cause minor irritation and require at least a month to recover. These peels can be used for treating a variety of maladies including acne, age spots, minor and major wrinkles, sun damage and even rough skin. It is very rare that side effects have corroded your face or damaged the exterior body due to the usage of chemical peels

Why do people use skin peels ?

 

• Acne especially the early stages

• Post acne scarring which includes the scars caused after acne is removed

• Rough patches of skin

• Wrinkles and dark spots

• Sun spots and sun burns

• Hyper pigmentation

• Gaudy Freckles

• Enlarged pores on the surface

• Dark circles and patches 

layers of the skin, especially young skin, chemical peels can ward off wrinkles. For fine lines which are caused due to worry and stress, peels work effectively. Fine lines generally develop in areas near the mouth, eyes or forehead where mild peels are mostly effective.

Acne treatment is now in great demand all over the world. Acne happens when the plugging of hair follicles result in infection and the skin is inflamed. Application of peels removes dead skin cell sand reduces the blemishes to a considerable extent.
 

Read More

Studies on Low Carbohydrate

I know I might be dwelling a bit on this carbohydrate topic so I promise that I in my next article will write about something else, but I would like to point out a few studies conducted within the area of low carbohydrate diets and the effects they have had.

Method: Randomised controlled trial using 40 participants with atherogenic dyslipidemia. Participants were randomly alocated to a carbohydrate- restricted diet (%carbohydrate:fat:protein = 12:59:28) or a low-fat diet (56:24:20); both diets consisting of 1500 kcal per day. Body mass, body composition, blood samples, oral fat tolerance test and dietary intake were assessed in all participants before and after the interventions. In addition, physical activity routines were maintained throughout the study and recorded by the participants on a daily basis.

 

Conclusion: A reduction in carbohydrates for patients with type 2 diabetes effectively reduces both fasting and postprandial glucose. Therefore, advice on a 20 % carbohydrate diet with some caloric restriction to obese patients with type 2 diabetes has lasting effect on bodyweight and glycemic control. Also, there has been no evidence of a negative cardiovascular effect among the 16 subjects.

Read More