The Pros and Cons of Group Health Insurance

The health insurance marketplace is certainly challenging, but count your lucky stars that at least you have choices. To that end, this article is going to explore the pros and cons of group health insurance.

Group Health Insurance Pros

  • Group health premiums are subsidized by the employer. Generally, an employer must contribute at least 50% of the “employee only” premium. As such, if you are the employee, you can likely get a richer health plan for less premium than you would pay in the individual health marketplace. However, the cost to add your dependents to the employer’s plan, may be cost prohibitive. In this case, and assuming that your dependents can qualify, then you may want to put them on an individual health plan.
  • Group health premiums for large families are the same as for small families; whereas in the individual market, you pay a separate premium for every family member. So, if you have a large family, you may be able to get a better deal by adding them to your employer’s plan. As with any insurance change though, don’t make any changes without consulting with an experienced insurance advisor in your state.
  • Group health insurance in most states is guaranteed issue – meaning that you can’t be turned down because of pre-existing health conditions. This is a real blessing if you or a family member has a medical condition that prevents you from qualifying for a individual plan. But, this is a double-edged sword. While being guaranteed issue is a huge benefit for those with pre-existing medical conditions, it does come at a price. This one feature alone accounts for most of the disparity between group and individual insurance premiums. Yes, that is right – in most states, individual health premiums are almost always less expensive than group health premiums.
  • Most group plans cover maternity. So, if you are planning on having more children, you should definitely consider hopping on to a group plan. While you can add a “maternity rider” to individual plans, these riders tend to be expensive, restrictive, and otherwise provide less value than the coverage you can get in a group health plan. That being said, if you are considering having more children, we recommend that you contact a health insurance advisor in your state for advice about what is best for your family. The right answer is different for each unique family.
  • Economies of scale can benefit employees of large employers. It is true that the larger the group, the larger the risk pool is in which to share the risk which CAN result in lower premiums than are available in the individual health market. However, the guaranteed issue “issue” CAN wreak havoc on this type of plan. For example, a large employer with good benefits tends to retain employees for long periods of time. Eventually, the average age of the group starts to creep up and so do premiums. In addition, people with large medical needs (expensive medical conditions) tend to be attracted to large plans because they are guaranteed issue with good coverage. And so, over time, not only is the group’s average age increasing, but the group is also attracting employees with large expected health costs. This is the dilemma that we see with large health plans like the U.S. auto-makers and even government plans. Eventually, those with lots of medical needs begin to outnumber those with little or no needs and so premiums are driven higher and higher.

Group Health Insurance Cons

  • Group health insurance can be more expensive than individual health insurance. ln fact, if you don’t factor in the employer’s contribution towards premiums, then individual plans are almost always more affordable than group plans. However, as we discussed earlier, not every one can qualify for an individual plan.
  • What happens if your employment is terminated (by you or your employer)? Yes, you will likely have some benefit continuation rights (through COBRA or state continuation programs), but these benefits can be very expensive and the term limited. So, eventually, you either have to secure another job with benefits, an individual health plan (assuming you are insurable), or possibly join a government health insurance program for the uninsured (if you are not insurable). Let me emphasize, that you should NEVER be without some form of major medical health insurance. Being without this insurance puts you and your family in serious financial jeopardy. In fact, a recent Harvard University study found that 50 percent of all bankruptcy filings were partly the result of medical expenses.¹ To the same point, every 30 seconds in the United States, someone files for bankruptcy in the aftermath of a serious health problem. Don’t let this happen to you.
  • Group health insurance premiums are rising faster than individual health insurance premiums. Why? Because most group plans are guaranteed issue and since they accept “all comers”, they tend to attract those with high medical costs. On the other hand, most individual health insurance plans are medically underwritten. This means that the insurance company can say “no thanks” to any application that it deems to not be in its interest. Put yourself in their shoes – would sign a contract to provide $30,000 in annual benefits to someone that was only going to pay $3,000 in premiums (for a net loss of $27,000) if you didn’t have to? Hmm…let me me think about that one. The answer is a resounding “NO!”. Because of this underwriting process for individual health insurance, insurance companies can control their risk and more effectively manage their profitability, resulting in more stable prices.

As you can see, there is no clear cut answer as to which type of insurance is the best. The answer depends on a number of factors and is different for every unique situation. The best advice I can give you as you consider your health insurance options — get good advice from an experienced health insurance advisor.

Children Caring For Parents and Avoiding Medical Errors

Children caring for parents often assist in keeping track of their parent’s health records. This can be a daunting task as many seniors see multiple physicians who may prescribe several medications for a variety of conditions. Keeping good medication and medical records can help prevent dangerous medical and medication errors. Sometimes they do this by hiring a caregiver to come to their home, but others will often drop their parents off at a senior daycare on the way to their job and pick them up at days end.

There are many in home care services that are offered by independent companies who most often have to be licensed to provide senior assistance services in the home.

Those assisting seniors can help them keep an updated medication list (including over the counter medications) on a computer or in a notebook. An updated list makes it easier for everyone since the first question most doctors ask for is the patient’s list of medications and any changes since they were last seen. Even if they are not available for every appointment, the caregiver can ask about any changes and update and print this list for their parent. Expiration might also be followed to avoid trying to get a renewal for a much needed prescription.

Another good record those providing parent care will want to keep is a good medical history that includes conditions, past surgeries, hospitalizations, Dr.’s names numbers and emergency contact information. These types of lists are vital for emergency visits as well.

They can take these lists to every Dr.’s appointment along with a list of any other issues they or their family may want to address. These simple steps empower the medical professionals providing geriatric care, those caring for their parents and most importantly the seniors themselves.

Popular Hotspots for Dental Care and Implants

If you or someone you know is missing one or more teeth or suffering from severe tooth decay then dental implants may be an excellent solution. All those people who are unhappy with the appearance of their teeth can bring back their teeth in tip-top shape through implant dentistry.

Yet, the major drawback of considering cosmetic dental care and surgery for most people from the US, the UK and Australia is their cost. The dental treatment cost in the First World countries can be extremely daunting for many patients in need of it.

Luckily, one can find very affordable dental care somewhere else in the world. People who are completely ready to undertake the dental implant procedure can save up to 80% on their treatment simply by opting to receive implants in any dental tourism destination.

Some popular countries for overseas dental implants include Poland, Hungary, Italy, Mexico, Costa Rica, India, Thailand to name a few.

Poland

Poland, one of the most advanced countries in Europe, is now one of the most preferred destinations for affordable dental care. The ultra modern private Polish hospitals and clinics equipped with state of the art technology and infrastructure play an important role in Polish dental tourism boom, by attracting thousands of dental tourists, mainly from the UK, every year.

Cosmetic dental procedures including implants are quite cheaper in this central European country, saving UK patients at least 81% on the cost of their treatment.

Hungary

Seeking dental implants or other dental services in Hungary is a good alternative for people living in countries where dental treatments do not come cheap. Situated in the center of Eastern Europe, the country takes pride in having the advanced private hospitals with modern x-ray machines, lasers, video cameras, dental tools and surgical techniques. These medical facilities offer competent dental services at reasonable prices to their local and foreign clients. By having the dental abnormalities fixed in Hungary, a patient can expect to at least 50% on the procedure even after including all other expenses.

Italy

Traveling to Italy for dental care may seem like a far out option for American and many Asian denizens but with the significant savings they make on the cost of their dental treatments overseas patients feel completely satisfied. Dental care cost in Italy can be as low as 70% of private dental prices in the US. Given the affordability of the dental procedures, standard of infrastructure and the skills of the surgeons in Italy it’s not a surprise that different patients from different countries are increasingly flocking to this country with their dental and other healthcare needs.

India

India is the destination of choice for anyone seeking first world quality treatment at third world prices. If you require expensive dental work such as bridges, crowns, implants or an orthodontic procedure, you can make considerable savings by going abroad to India. Medical tourists from all across the world, prompted by sky-scraping dentistry costs and dwindling insurance benefits at their native countries, make a beeline in this Southeast Asian country for various dental procedures. Top notch private dental clinic in India use latest generation techniques to perform oral surgery.

Mexico

This country shares its borders with the United States so it is the perfect option for those from the US. Opting for dental implants in Mexico can save American patients up to 66%. Not only US citizens even patients from far away countries can expect huge savings on their dental treatment. Private Mexican clinics are staffed with qualified and skilled general dentist, periodontists and oral surgeons with advanced training in implant surgery. Not only the dentistry is affordable, the quality of dental care in Mexico is also superior, a major factor that attracts many overseas patients.

If You Are Taking Digestive Health Medicine, You Need To Be Careful

It seems that all of us at one time or another feel a need for some kind of digestive health medicine. If by medicine you are referring to a natural treatment then you’re on the right track. If you want to take a prescription drug or non-prescription drug, you need to find out all the facts.

All drugs are unhealthy for you.

Of course, a certain pharmaceutical drug can save a live in an emergency but we as a modern society have become far too dependent on them and they are causing much more damage to some people than they are helping.

Pharmaceuticals are man-made synthetic drugs which leave potentially dangerous toxins in the body. It’s a proven fact that medications are the cause of certain disorders and disease so unless you absolutely have to take a drug for your condition, why not look at a natural alternative?

Digestive health in particular, is a great example of this. We eat a terrible, high processed diet for many years, until finally symptoms manifest because of certain nutrient deficiencies such as digestive enzymes and dietary fiber. Our body eventually needs quality nutrients or else parts of it will start to break down, just like your car if you don’t change the dirty oil and give it clean fuel.

Drugs are not made to cure a disease, only provide temporary treatment of recurring symptoms

Think about it, does a pharmaceutical company want to sell you a cure? Of course not. That would be the last sale they make to you for that problem. Our focus should be on digging a little deeper to find the true cause of the digestive health problem we’re dealing with.

If you have constipation, taking a laxative might give you some temporary relief but it won’t cure your problem for good. Extended laxative use can muscular functions of your bowel, can drain your body’s water, minerals and vitamins. Excessive use can also damage your kidneys.

Now, wouldn’t it be great to naturally cure constipation through the use of diet. Replacing high processed foods, and fast foods which don’t contain many quality nutrients, with real whole foods? Add fresh fruits, raw and steamed vegetables and then replace your processed grains such as white bread and rice with whole grain bread and brown rice. Get the idea?

These wholesome foods will add more dietary fiber, more vitamins, more minerals and digestive enzymes which will help in your body’s digestion and also absorb more of the nutrients from these foods.

Remember, digestive health medicines are a waste of time and money. You need to think about a cure, and that can be done with quality nutrients.

Let food be your medicine and medicine be your food.” – Hippocrates, 400 BC

How Drug Abusers Think – Help Get Addicts to Rehab Faster by Understanding Why They Avoid Rehab

Does drug abuse exist primarily in the mind of the abuser or is drug abuse society’s problem? Somewhat of a philosophical question, agreed. Let’s get right down into the reality of the matter and skip the pretense.

Drug Abusers Think Society Should Change To Fit Into Their Realities

To understand the boldness of this statement I will enlighten you on what is happening inside a drug abusers head. This may not be pretty, sorry if I use real life examples. But if you found your way to this article, you’re ready for it.

How Drug Abusers See The World

They see the same trees, the same cars and the same family members who are upset or distressed by their addiction. But they also ‘see’ other things.

To continue this analogy of seeing things that aren’t seen by everyone else, let’s consider the mind as a collection of full picture and sound files in one’s personal computer. This personal computer is ones’ mind. The mind has millions of memories or files stored of past experience or conclusions or imaginations. All these files are stored in your mental computer.

What happens when drug abusers experience things they don’t want to?

Here’s the problem: Drugs dull perceptions. Drugs are essentially pain killers. Drugs kill mental, emotional and / or physical pain. That means something that is distressing a person can appear to reduce. The stress seems to go away a bit by the drugs dulling or hiding the experience from the person. They can’t see or experience the discomfort as readily. Sometimes these discomforts come from the past. Remember the mind is made up of past experiences or memory pictures.

Drug abusers have been solving their problems by dulling out their abilities to see these problems. At times the problems right in front of them are unseen by a drug abuser. Other times issues from their past are blocked out.

Let’s take a look at one way drug abusers dull their perception of the past with drugs and with other mental ‘tricks’.

Drug abuse, including marijuana abuse, pharmaceutical abuse and alcohol abuse have one thing in common: Justification

As a drug rehab consultant, I hear more justification for drug abuse and use than most. Here are some rather common and even infamous justifications I’ve heard over the years.

Mental Justifications:

  • They don’t understand
  • I just need one more hit, then it’ll be OK
  • What’s the big deal, it’s just one time
  • This will fix things and I’ll make it through for a while longer

Drug Abusers Are Running Away From Something, Aren’t They?

Most people avoid pain. When the truth contains pain, the truth will be avoided.

Pain is also stored in the minds’ memory pictures. When painful experience is re-triggered by life, the painful part also returns. Drug abusers instinctively avoid this pain. That’s when justification is put to use by the abuser of drugs. Justification is a method of being right and avoiding the discomfort and pain of unpleasant memory.

The mind must be right. This is the minds’ senior command – always be right. Not necessarily truthful, just right. A drug abuser is trying to create a world where they are right in avoiding reality, even if it kills them. That’s why they continue to abuse drugs.

Natural Health Medicine – Children

Natural health medicine can be as important for children as it is for their parents. The close contact they encounter with other children, in nurseries and kindergartens, means that minor infections, such as runny noses and colds, are easily picked up.

Natural health medicine can assist children to resist infection by boosting their immune systems. In turn this may assist them to combat the germs carried by other children, or if they do catch something it could help them to nip it in the bud.

In addition to being effective in strengthening a child’s resistance to illness, natural health medicine is usually free of unpleasant side effects. Therefore, it helps children to stay healthy in more ways than one. Not only are they less likely to be affected by illnesses, but also if they are unfortunate enough to be smitten, natural health medicine assists in promoting a speedy recovery.

It is always distressing for parents of children who become ill, as well as for the children themselves. Those parents who have discovered the benefits of natural health medicine are in a better position to help their offspring stay well. Children frequently recover quickly from minor ailments, but may do so even more speedily with the help of natural health medicine.

Although sick children can quickly recover, parents are concerned that illnesses can spread to brothers and sisters. This is why natural health medicine is important to the whole family. It can help to ensure that any temporary incapacity does not become prolonged.

Of course children rely on their parents to look after them, and they are even more dependent when they are unwell. Fortunately there are natural health medicines for children as well as adults. Natural health medicine for children is just one of the ways that proper care can be administered. It is good that we live an age when help and advise is freely available for child related matters. Undoubtedly children are our future, so it is in our best interests to look after them and protect them from illness.

Dental Care Services and Plans

Many people usually neglect issues related to dental care such as taking good care of their gums, teeth etc. Dental care also involves treatment and prevention of diseases of the teeth and gums apart from the repair and replacement of defective teeth.

Gone are those days when dental services used to be an expensive option. Let us have a look at a few tips on how to find affordable dental care services:

1. Start by simply inquiring about a good dental plan from your co-workers, friends and relatives. Ask questions such as whether emergency service is provided, how easy it is to get an appointment, how much it costs, the different types of dental services and so on. Also inquire about whether the atmosphere of the dental care facility is reassuring and relaxing, behavior of the staff especially towards children etc.

2. Dental services are also provided at local dental schools at affordable and competitive rates. Some of these schools might offer to check and clean your teeth for free of cost. It should not be a problem to find a list of such schools in and around your area through internet.

3. In case you are new to an area, try checking out the services of the dental specialist who provides his/her services to the local hospitals. You can also search for the best dental care facilities in your area online. You can also use your insurance company’s website to search for dentists who would accept your insurance cover.

Following are the two most popular dental plan options:

1. Dental Insurance:
One of the options for oral health care is dental insurance. Apart from a few dental insurance policies which might cost less than $10 on a monthly basis, most of the available options would be expensive. It is essential on your part to read the entire terms and conditions, excluded procedures and items, what the policy covers, the annual cost for both family and individual policies which ever applies to you.

Most of the people going for such policies do not know that pre-existing conditions are not covered by such policies. Even after the completion of 1 year, most companies pay progressively, such as covering 15% the 2nd year, 30% the 3rd year and so on. Thus, such kinds of dental insurance are usually not recommended by agents currently because of their lack of coverage and high cost.

2. Discount Dental Plans:
Pre-existing plans are not restricted in case of discounted dental care plans. Substantial discounts are offered by such plans on routine dental care like braces, dentures, root canals, X-rays, cleanings, check-ups and more. The membership fees of such dental care plans usually average around $150 for families and $100 for individuals annually. At the time of your appointment, you need to pay for your visit in full.

No permission of any sort is required in case you want to change your dentist. Within the network of the plan, you can visit any provider in any state. It is to be noted that large discount dental plan networks have providers in excess of over 0.1 million dental specialists and dentists worldwide.

You might be surprised to know that over 70% of the families residing in United States do not have any dental plan. Thus, it is important for you to realize that proper dental care is essential for the well-being of your entire body.

How to Help Children Care for Their Braces

Proper care of braces during orthodontic treatment is an important part of helping them get and keep a healthy smile for their whole lives, as many of the habits they learn will carry with them even after their orthodontic treatment is over. However, young children may not understand the reasons for such a structured cleaning regime. To avoid your child’s frustration, support his or her cleaning efforts through gaining knowledge of the process and ideas to make it enjoyable.

Here are four ways to care for your child’s braces:

1. Brushing. Thorough brushing after every meal and snack will prevent plaque build-up that can cause cavities and gum disease. Children should be encouraged to brush their teeth and braces at all angles to ensure any food hiding behind brackets or wires may be properly dislodged.

Make it fun: Try purchasing a brightly-colored toothbrush or one with your child’s favorite movie character on it. Even better, let your son or daughter pick out his or her own toothbrush. This will empower your child and allow him or her to get excited about brushing. Other children may be spurred to brush more often by using an electric toothbrush at home. This tool may be a great gift if you are getting ready to go Christmas shopping.

2. Flossing. Effective flossing can be a challenge with braces but it is another healthy habit to encourage on a daily basis. As it is nearly impossible to floss normally with braces, using a “threader floss” with a stiff tip or a plastic floss threader will allow the dental floss to get behind the wire. Gently insert the threader between the teeth at the base of the gums, then thread the floss through the oval loop and gently pull it back between the gums. Once the floss is inserted, delicately slide the floss up and down the inside of each tooth.

Make it fun: A quick and easy tool to help with flossing is the inter-dental cleaning brush. The small bristle tip can be inserted between the braces and around the gums for added cleaning on top of brushing and flossing – or used conveniently and subtly when out in public when full brushing may not be possible.

3. Healthy Eating. It is important to eat a balanced diet to support oral care. Sugary foods, and even sweetened beverages such as juice and pop may cling to the teeth and cause cavities around the brackets. Hard and sticky foods, such as caramel, popcorn and gum, have the potential to crack, dislodge or adhere to the braces so they should be avoided.

Make it fun: Look for healthy treat recipes together with your child. Preparing nutritious snacks or baking together makes healthy eating a fun process and also provides an opportunity to talk with your child about the many benefits of eating well.

4. Wire-care. Regular brushing is the first step in keeping your orthodontic wire clean, but these wires have the potential to irritate the skin inside the mouth, causing sores and bleeding. To avoid this, moldable wax can be applied to the braces at the points of friction. This wax will protect the mouth while also remaining flexible for easy removal.

Make it fun: The orthodontist will offer a variety of colored elastics that will loop around the brackets and wires. This is a helpful method for children to personalize their orthodontic treatment and express their personality. Breaking out of the mono-tone metal color of the brackets and wires will encourage children to maintain their braces as they will be proud of how they look.

Cleaning the teeth and braces can become an enjoyable and routine part of your child’s oral care. Parents are a valuable source of knowledge and support for their children and will help set the tone in forming positive habits. Children should be encouraged to clean their own teeth and be praised for their efforts, no matter how small. Making the process fun and supportive will set your child up for success.

Small Business Health Insurance – The Best Policy Is A Great Agent

I have been a health insurance broker for over a decade and every day I read more and more “horror” stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few “loopholes” in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wallet and place their policy in a drawer or filing cabinet during their 10-day free look and it usually isn’t until they receive a “denial” letter from the insurance company that they take their policy out to really read through it.

The majority of people, who buy their own health insurance, rely heavily on the insurance agent selling the policy to explain the plan’s coverage and benefits. This being the case, many individuals who purchase their own health insurance plan can tell you very little about their plan, other than, what they pay in premiums and how much they have to pay to satisfy their deductible.

For many consumers, purchasing a health insurance policy on their own can be an enormous undertaking. Purchasing a health insurance policy is not like buying a car, in that, the buyer knows that the engine and transmission are standard, and that power windows are optional. A health insurance plan is much more ambiguous, and it is often very difficult for the consumer to determine what type of coverage is standard and what other benefits are optional. In my opinion, this is the primary reason that most policy holders don’t realize that they do not have coverage for a specific medical treatment until they receive a large bill from the hospital stating that “benefits were denied.”

Sure, we all complain about insurance companies, but we do know that they serve a “necessary evil.” And, even though purchasing health insurance may be a frustrating, daunting and time consuming task, there are certain things that you can do as a consumer to ensure that you are purchasing the type of health insurance coverage you really need at a fair price.

Dealing with small business owners and the self-employed market, I have come to the realization that it is extremely difficult for people to distinguish between the type of health insurance coverage that they “want” and the benefits they really “need.” Recently, I have read various comments on different Blogs advocating health plans that offer 100% coverage (no deductible and no-coinsurance) and, although I agree that those types of plans have a great “curb appeal,” I can tell you from personal experience that these plans are not for everyone. Do 100% health plans offer the policy holder greater peace of mind? Probably. But is a 100% health insurance plan something that most consumers really need? Probably not! In my professional opinion, when you purchase a health insurance plan, you must achieve a balance between four important variables; wants, needs, risk and price. Just like you would do if you were purchasing options for a new car, you have to weigh all these variables before you spend your money. If you are healthy, take no medications and rarely go to the doctor, do you really need a 100% plan with a $5 co-payment for prescription drugs if it costs you $300 dollars more a month?

Is it worth $200 more a month to have a $250 deductible and a $20 brand name/$10 generic Rx co-pay versus an 80/20 plan with a $2,500 deductible that also offers a $20 brand name/$10generic co-pay after you pay a once a year $100 Rx deductible? Wouldn’t the 80/20 plan still offer you adequate coverage? Don’t you think it would be better to put that extra $200 ($2,400 per year) in your bank account, just in case you may have to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn’t it wiser to keep your hard-earned money rather than pay higher premiums to an insurance company?

Yes, there are many ways you can keep more of the money that you would normally give to an insurance company in the form of higher monthly premiums. For example, the federal government encourages consumers to purchase H.S.A. (Health Savings Account) qualified H.D.H.P.’s (High Deductible Health Plans) so they have more control over how their health care dollars are spent. Consumers who purchase an HSA Qualified H.D.H.P. can put extra money aside each year in an interest bearing account so they can use that money to pay for out-of-pocket medical expenses. Even procedures that are not normally covered by insurance companies, like Lasik eye surgery, orthodontics, and alternative medicines become 100% tax deductible. If there are no claims that year the money that was deposited into the tax deferred H.S.A can be rolled over to the next year earning an even higher rate of interest. If there are no significant claims for several years (as is often the case) the insured ends up building a sizeable account that enjoys similar tax benefits as a traditional I.R.A. Most H.S.A. administrators now offer thousands of no load mutual funds to transfer your H.S.A. funds into so you can potentially earn an even higher rate of interest.

In my experience, I believe that individuals who purchase their health plan based on wants rather than needs feel the most defrauded or “ripped-off” by their insurance company and/or insurance agent. In fact, I hear almost identical comments from almost every business owner that I speak to. Comments, such as, “I have to run my business, I don’t have time to be sick! “I think I have gone to the doctor 2 times in the last 5 years” and “My insurance company keeps raising my rates and I don’t even use my insurance!” As a business owner myself, I can understand their frustration. So, is there a simple formula that everyone can follow to make health insurance buying easier? Yes! Become an INFORMED consumer.

Every time I contact a prospective client or call one of my client referrals, I ask a handful of specific questions that directly relate to the policy that particular individual currently has in their filing cabinet or dresser drawer. You know the policy that they bought to protect them from having to file bankruptcy due to medical debt. That policy they purchased to cover that $500,000 life-saving organ transplant or those 40 chemotherapy treatments that they may have to undergo if they are diagnosed with cancer.

So what do you think happens almost 100% of the time when I ask these individuals “BASIC” questions about their health insurance policy? They do not know the answers! The following is a list of 10 questions that I frequently ask a prospective health insurance client. Let’s see how many YOU can answer without looking at your policy.

1. What Insurance Company are you insured with and what is the name of your health insurance plan? (e.g. Blue Cross Blue Shield-“Basic Blue”)

2. What is your calendar year deductible and would you have to pay a separate deductible for each family member if everyone in your family became ill at the same time? (e.g. The majority of health plans have a per person yearly deductible, for example, $250, $500, $1,000, or $2,500. However, some plans will only require you to pay a 2 person maximum deductible each year, even if everyone in your family needed extensive medical care.)

3. What is your coinsurance percentage and what dollar amount (stop loss) it is based on? (e.g. A good plan with 80/20 coverage means you pay 20% of some dollar amount. This dollar amount is also known as a stop loss and can vary based on the type of policy you purchase. Stop losses can be as little as $5,000 or $10,000 or as much as $20,000 or there are some policies on the market that have NO stop loss dollar amount.)

4. What is your maximum out of pocket expense per year? (e.g. All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)

5. What is the Lifetime maximum benefit the insurance company will pay if you become seriously ill and does your plan have any “per illness” maximums or caps? (e.g. Some plans may have a $5 million lifetime maximum, but may have a maximum benefit cap of $100,000 per illness. This means that you would have to develop many separate and unrelated life-threatening illnesses costing $100,000 or less to qualify for $5 million of lifetime coverage.)

6. Is your plan a schedule plan, in that it only pays a certain amount for a specific list of procedures? (e.g., Mega Life & Health & Midwest National Life, endorsed by the National Association of the Self-Employed, N.A.S.E. is known for endorsing schedule plans) 7. Does your plan have doctor co-pays and are you limited to a certain number of doctor co-pay visits per year? (e.g. Many plans have a limit of how many times you go to the doctor per year for a co-pay and, quite often the limit is 2-4 visits.)

8. Does your plan offer prescription drug coverage and if it does, do you pay a co-pay for your prescriptions or do you have to meet a separate drug deductible before you receive any benefits and/or do you just have a discount prescription card only? (e.g. Some plans offer you prescription benefits right away, other plans require that you pay a separate drug deductible before you can receive prescription medication for a co-pay. Today, many plans offer no co-pay options and only provide you with a discount prescription card that gives you a 10-20% discount on all prescription medications).

9. Does your plan have any reduction in benefits for organ transplants and if so, what is the maximum your plan will pay if you need an organ transplant? (e.g. Some plans only pay a $100,000 maximum benefit for organ transplants for a procedure that actually costs $350-$500K and this $100,000 maximum may also include reimbursement for expensive anti-rejection medications that must be taken after a transplant. If this is the case, you will often have to pay for all anti-rejection medications out of pocket).

10. Do you have to pay a separate deductible or “access fee” for each hospital admission or for each emergency room visit? (e.g. Some plans, like the Assurant Health’s “CoreMed” plan have a separate $750 hospital admission fee that you pay for the first 3 days you are in the hospital. This fee is in addition to your plan deductible. Also, many plans have benefit “caps” or “access fees” for out-patient services, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. Benefit “caps” could be as little as $500 for each out-patient treatment, leaving you a bill for the remaining balance. Access fees are additional fees that you pay per treatment. For example, for each outpatient chemotherapy treatment, you may be required to pay a $250 “access fee” per treatment. So for 40 chemotherapy treatments, you would have to pay 40 x $250 = $10,000. Again, these fees would be charged in addition to your plan deductible).

Now that you’ve read through the list of questions that I ask a prospective health insurance client, ask yourself how many questions you were able to answer. If you couldn’t answer all ten questions don’t be discouraged. That doesn’t mean that you are not a smart consumer. It may just mean that you dealt with a “bad” insurance agent. So how could you tell if you dealt with a “bad” insurance agent? Because a “great” insurance agent would have taken the time to help you really understand your insurance benefits. A “great” agent spends time asking YOU questions so s/he can understand your insurance needs. A “great” agent recommends health plans based on all four variables; wants, needs, risk and price. A “great” agent gives you enough information to weigh all of your options so you can make an informed purchasing decision. And lastly, a “great” agent looks out for YOUR best interest and NOT the best interest of the insurance company.

So how do you know if you have a “great” agent? Easy, if you were able to answer all 10 questions without looking at your health insurance policy, you have a “great” agent. If you were able to answer the majority of questions, you may have a “good” agent. However, if you were only able to answer a few questions, chances are you have a “bad” agent. Insurance agents are no different than any other professional. There are some insurance agents that really care about the clients they work with, and there are other agents that avoid answering questions and duck client phone calls when a message is left about unpaid claims or skyrocketing health insurance rates.

Remember, your health insurance purchase is just as important as purchasing a house or a car, if not more important. So don’t be afraid to ask your insurance agent a lot of questions to make sure that you understand what your health plan does and does not cover. If you don’t feel comfortable with the type of coverage that your agent suggests or if you think the price is too high, ask your agent if s/he can select a comparable plan so you can make a side by side comparison before you purchase. And, most importantly, read all of the “fine print” in your health plan brochure and when you receive your policy, take the time to read through your policy during your 10-day free look period.

If you can’t understand something, or aren’t quite sure what the asterisk (*) next to the benefit description really means in terms of your coverage, call your agent or contact the insurance company to ask for further clarification.

Furthermore, take the time to perform your own due diligence. For example, if you research MEGA Life and Health or the Midwest National Life insurance company, endorsed by the National Association for the Self Employed (NASE), you will find that there have been 14 class action lawsuits brought against these companies since 1995. So ask yourself, “Is this a company that I would trust to pay my health insurance claims?

Additionally, find out if your agent is a “captive” agent or an insurance “broker.” “Captive” agents can only offer ONE insurance company’s products.” Independent” agents or insurance “brokers” can offer you a variety of different insurance plans from many different insurance companies. A “captive” agent may recommend a health plan that doesn’t exactly meet your needs because that is the only plan s/he can sell. An “independent” agent or insurance “broker” can usually offer you a variety of different insurance products from many quality carriers and can often customize a plan to meet your specific insurance needs and budget.

Over the years, I have developed strong, trusting relationships with my clients because of my insurance expertise and the level of personal service that I provide. This is one of the primary reasons that I do not recommend buying health insurance on the Internet. In my opinion, there are too many variables that Internet insurance buyers do not often take into consideration. I am a firm believer that a health insurance purchase requires the level of expertise and personal attention that only an insurance professional can provide. And, since it does not cost a penny more to purchase your health insurance through an agent or broker, my advice would be to use eBay and Amazon for your less important purchases and to use a knowledgeable, ethical and reputable independent agent or broker for one of the most important purchases you will ever make….your health insurance policy.

Lastly, if you have any concerns about an insurance company, contact your state’s Department of Insurance BEFORE you buy your policy. Your state’s Department of Insurance can tell you if the insurance company is registered in your state and can also tell you if there have been any complaints against that company that have been filed by policy holders. If you suspect that your agent is trying to sell you a fraudulent insurance policy, (e.g. you have to become a member of a union to qualify for coverage) or isn’t being honest with you, your state’s Department of Insurance can also check to see if your agent is licensed and whether or not there has ever been any disciplinary action previously taken against that agent.

In closing, I hope I have given you enough information so you can become an INFORMED insurance consumer. However, I remain convinced that the following words of wisdom still go along way: “If it sounds too good to be true, it probably is!” and “If you only buy on price, you get what you pay for!”

Natural Health Medicine

Natural health medicine is a ever growing business which more people are turning to for effective health treatments. Natural medicines cover virtually any type of sickness and medical condition you might suffer with. We pump our systems with so many chemicals from prescription drugs sometimes it can overload us which can lead to more medical problems down the line. With the price of prescription medicines sky-rocketing over the last decade it is literally impossible to afford the medicines you need.

There are some alternatives to over priced medicines and can be just as effective. Some of the natural health medicines include Devil’s Claw which helps those who suffer from chronic back pain by reducing inflammation, Red Yeast Rice which helps reduce the level of your cholesterol, St. John’s Wort which comes in pill or oil form and can help those who suffer from anxiety, depression, Propolis Powder can be used to help maintain a cleaner mouth, Milk Thistle can be used to help quit smoking (keep in mind results may very), Adaptogenic herbs which include ginseng, licorice, maca, holy basil, and goldenroot, which helps treat fatigue and give to long term energy and not just a quick burst. Phototherapy is one of the more interesting natural health medicines because it deals with ultraviolet light to treat diseases.

Not to suggest a conspiracy but it would seems as if more tests and studies were conducted in these natural health medicines it would take away from the prescription drug business, just something to think about. There are natural health medicines out there to be used to help treat your problems so taking the time to do addition research to see which is right for you is highly suggested.

Fast Food and Traditional Food

The term “cooking” includes a wide range of methods, tools and combination of ingredients to create the flavor and digestibility of food. Cooking technique, known as culinary art, generally requires the selection, measurement and combining of ingredients in a controlled procedure in an effort to achieve the desired result. Constraints on success include the variability of ingredients, ambient conditions, tools, and the skill of the individual cooking. The diversity of cooking worldwide is a reflection of many nutritional, artistic, agricultural, economic, cultural and religious considerations that impact upon it. Cooking requires applying heat to a food which usually chemically transforms it and changing its flavor, texture, appearance, and nutritional properties. There is archaeological evidence that the primitive human being used to cook their food with fire that was the most important thing discovered by the primitive human being. Cooking food and cuisine culture vary from country to country and from one culture to another and each cuisine has its specific particularity. Nowadays, because of the modern life that changes everything around us and influence our life style and eating habits, people are less preparing their own food. Eating habits tend to unify people from different society. The food production and the process of eating obtain new characteristics. Food available around us seems to be very different from the one that we used to eat.

Eating habits and modern life

Everything is running in high speed, people do not have time for cooking, don`t has the desire and patience to stay longer in the kitchen, and they don`t have the willing to prepare their own food. Old generation still prefer to cook their own food unlike young people who prefer to eat fast food because they don’t want to spend long time cooking and the desire for the cooking. The modern life shapes our eating habits and makes us like slave following its speed. It`s not hard to find fast food restaurant they are everywhere and every corner. Fast food consumption cause damages to the social and economic life of the country and leads to many health problems such as obesity and heart diseases according to many studies. Also, many nutrition experts from different countries have already declared the epidemic character of fast food. The rapid process of globalization and modern life influence our eating habits and gives opportunity to fast food restaurants to grow and flourish. Fast food seems to become very common everywhere, though some positive aspect of the fast food in easy to prepare, available in many places, and it is a substantial meal. But in other hand, we can estimate that its negative aspects are more important and bigger. I think it is easy to understand that fast food is one of phenomenon that is going to be accepted by people. We are going to see the process of disappearance of the traditional culture with the development of fast food restaurants in all countries all over the world.

How to fight fast food addiction

The best example of the fast food success to change the modern life is the invasion of the world’s food market by the giant fast food company such as McDonald, KFC and others. According to McDonald`s web site, McDonald has about 29.000 restaurants in 120 countries all over the world, and serves nearly 54 million customers each day. As well as it indicates the fact of such changing in eating preferences and even in the way of life itself. There is no doubt that right now fast food changes the face of many nations and eating habits around the world. To sum up, unfortunately, it is hard to prevent these global changes that traditional food is going to be replaced by new foods that common for all people in all countries all over the world. But the good news is that, recently there are some people and some movements which try to contrast the process of modern life and ask people to go back to their traditional food. To solve this problem we need restaurants that offers traditional food, and able to attract large amount of faithful customers. Also parents must teach their children how to prepare and cook the traditional food. Many People figure out that traditional food is much better for our health, so they want to preserve and keep the cooking tradition from evaporating. There is enormous hope of people to preserve their food preparation customs and tradition. The major obstacles are the modern life style. Some people might say that it is difficult to preserve our traditional food because it takes a long time to prepare and people today can not spend a long time in cooking. Other people, especially older people might say that, it is unfortunate to destroy culture and tradition. Those people might be right.

Conclusion

In these days, people have more health problems that are related with the new eating habits and fast food consumption. Despite some advantages of fast food the harm caused by fast food does not outweigh its benefit. I think that people should consider the negative fact of fast food consumption and the benefits of preparing their own food at home. It`s unfair that the traditional food which arrive to us from generation to generation we are going to replace it with junk food that will harm us more than benefit us. It`s unfortunate to lose the cooking tradition and eating homemade food prepared by our mothers together around the table. I am sure that all of us must think over this problem and try to find the appropriate solution to save our cultures, our traditional foods, and more importantly our health. So we should take action immediately to preserve traditional food and encourage people to prepare their own dishes, so they can stay healthy and live longer. Even though fast food is cheap, convenient, yummy and available in every corner in our cities, but that does not mean that our health is cheaper than the fast food that we eat.

Online Babysitting Services: How Do They Work and How To Choose The Right One For You

So you need someone to watch your children and have decided to look into online babysitting services. However, there are so many to choose from, including Sittercity, Care, Care4Hire.com, GoNannies, AuPairCare and 4Sitters.com, that it is overwhelming. To find the best fit for you and your family, you need to check out an assortment of sites. Each one will vary in everything from their fees and services, to their applicant filtering system and reputation, to the number of caregivers in their database. Some even provide contact information for pet sitters, housekeepers, tutors and eldercare services.

There are two ways in which online babysitting services work. With the first method, parents post a job and then the sitters who are interested and nearby contact them. This may be done via email or telephone. The parents can then respond accordingly. With the other method, parents can look at the profiles of potential babysitters and then contact the best ones. When searching, you get immediate access to babysitters. Simply type in your zip code and a list of local sitters pops up. When you click on a sitter, you may get a brief bit of information or their entire profile.

Some sites will let you preview and look for sitters without registering, so you can see the options. However, if you want to get the contact information, you need to be a member. Subscriptions may be paid for on a monthly or yearly basis. The best sites will give you a free trial period, perhaps for a week, so you can try it out first. If you like it, you often have to pay an initial registration fee, in addition to the subscription costs.

Be aware that not all sites do the same things. Some may simply interview the babysitters to create a profile but do not check references. Others provide the option of doing extensive background checks. However, it may cost extra or require you to increase your membership level. The best sites will have a multi-step screening process. In addition, the online babysitting services should have comments or referrals from people the caregivers have worked for in the past.

Most online babysitting sites also have a search filter that lets the parents narrow down the candidates. For instance, if you have a child with special needs, you can locate a babysitter who has previous experience with this type of child or someone with specific medical certifications. This search filter will help you save time. They can also help you find back-up sitters at the last minute, in case the scheduled sitter gets sick or you get an unexpected dinner invitation. Some sites, like Sittercity, even offer nannycam and video monitoring options.

Use Specialized Mental Health Treatment Training – Build Your Private Practice

How to use specialized mental health treatment training is an important area for you to explore. As I opened a recent SAMHSA newsletter, this headline stopped me in my tracks. “New Nationwide Report Reveals That More than One in Every 10 adults Experienced Serious Psychological Distress in the Past Year”!  After close to 30 years as a practicing professional counselor and Mental Health Treatment Trainer, I knew there were many folks who were in emotional pain we never reached. I read the full text of the article looking for clues to who these potential clients were and how we might reach them.

When I think back to my counselor education programs at the master’s and doctoral levels, I know there was no time to educate new therapists to work with specialty populations, especially to the depth needed to build a private practice niche. Therefore, it is a given that any therapist who wants to go beyond a generalist practice must seek Mental Health Treatment Training in their specialty area of choice. How does all this relate to the SAMHSA article?

Most therapists and counselors look at specializing in a selected diagnostic area on Axis I disorders, for example, anxiety or depression. What is often neglected are specialty areas on Axis IV issues like domestic violence treatment, sex offender treatment and child abuse treatment.

These are often the clients who most need Mental Health Treatment for dysfunctional family issues. And, this is the best time in their lives to obtain this type of specialty treatment to interrupt the dysfunctional family cycle. Mental Health Treatment Training is available to address Adult Children from Dysfunctional Family issues. Use this specialty area to build a successful private practice. You can be the leader in your community to provide Mental Health Treatment to this population and become the “go to” person for other therapists in your area as well.

Start your specialized mental health treatment training now.

How to Get Free Dental Care in the Texas State

Today a lot of people never get dental insurance included in their medical insurance policy. In fact a long time back, the thousand dollars of dental fees were not even covered by insurance policies. Nothing seems to have changed in fact the costs involved in dental treatments have now doubled or tripled than before. Now, even if insurance covers dental treatment costs only a small number of people are actually able to afford it. Due to this reason a lot of people have opted for tooth extraction as an alternative of paying for dental care. Many of them even avoid getting dental care treatments on time due to the expenses involved. Tooth decay and gum disease are the common risks involved if oral care is avoided long enough.

Out of all the 50 states in the U.S., according to the Texas Senator Eliot Shapleigh only a minimal number of residents in Texas have overall health insurance and therefore it ranks last in this regard. Free dental care has become a need all over the country and especially in Texas, so now a lot of organizations have started to put an effort to offer free dental services and there are now several places where people can go, to avail free oral care.

If you are in need of free dental treatment you can start by contacting the Texas Dental Association Smiles Foundation. Every year these dental care opportunities are provided by the licensed dentists at this organization for those who are in need of immediate dental care. The Texas Mission of Mercy is a large event which is held every year for two days in variety of cities all across the state. Here hundreds of people are able to receive free dental care from the volunteering dentists. They even offer free dental services on the go by traveling into communities in mobile vans known as ‘Smiles on Wheels’.

A second alternative to receive such schemed care is by applying at a Hill-Burton Facility for free dental care. The U.S. Department of Health and Human Resources runs the Hill-Burton program, where qualified people are allowed to avail free or low-cost dental and medical care. To be eligible the income level of each patient should meet the current HHR Poverty Guidelines. All you need to do is to go to a facility near you where a Hill-Burton obligated facility is accepted and apply for the free treatment and care. In Texas there are now 11 Hill-Burton facilities and by visiting the HHR website you can find more information about them.

Lastly searching online for a free or low-cost dental clinic will also help you to receive free oral care. To find the right program and service all you need to do is type the term ‘free dental care’ into a search engine with the city closest to you. You can find a comprehensive list of free and low-cost medical and dental care services listed by state and city at Free Dental Work.org.

Prevent Teen Drug Abuse Using Drug Testing Kits at Home

Teen drug abuse became a serious health problem in United States. It is hurting the healthcare system, burdening the economy, and causing millions of deaths every year. Of the many causes that promote drug abuse among teens, lack of parental supervision is a major one. Teens should be guarded properly by their parents as they are still immature.

Since, early intervention leads to effective prevention of this unhealthy habit, parents should identify drug abusing habits in teens and take preventive measures. Parents can take help of home drug testing kits which are effective and easy to use.

In this article, we will discuss about teens and their vulnerability to drug abuse; how to identify teen drug abuse and how important are drug testing programs at home to prevent teen drug abuse.

Teens – vulnerable to drugs abuse: Many scientific studies have already proved that teenagers are more prone to risk taking and are vulnerable to drug abuse when compared to adults. This typical behavior of teens during adolescence is because of the major changes in parts of the brain that are responsible for functions such as self-control, judgment, planning, organization, and emotions. Since teen brains are not yet fully developed, they cannot take proper decisions and fall victims to unhealthy habits like drug and alcohol abuse.

Signs and symptoms of drug abuse: The primary step towards prevention of drug abuse in teens is to identify their unhealthy habits. Prominent changes, both in their behavior and in physical appearance can be noticed even at the early stages of abuse. Following are the warning signs:

Physical and emotional changes:
• Red eyes
• Finding difficulty to speak
• Sudden fall or rise in weight
• Lack of hygiene and showing less interest in personal grooming
• Aggression and arrogance
• Depression and irritation

Social and behavioral changes:
• Dissociation from old friends and acquiring new social group
• Sudden anger or depression
• Poor attendance and academics at school
• Spending time lonely
• Abnormal odor in breath or clothing
• Pipes, needles and other suspicious substances in their room

Importance of home drug test kits: The moment you see the signs that indicate drug abuse in your teen, it is the time to confirm drug abusing habits using reliable methods. They are useful devices for the parents to confirm these unhealthy habits in teens. They are simple, easy to use, provide instant and accurate results, cost-effective and above all ensure privacy. Some multi-panel drug testing kits can detect multiple drugs of abuse at a shot.

Best drug test methods to implement: When it comes to home drug testing, urine and saliva tests are considered to be the best methods. There are two other methods – blood and hair tests also, but they need special devices and expert supervision, hence are not recommended for home testing.

Urine test can detect the drugs in your teen’s system up to three days after use. If you believe that your teen has taken drugs during the last few days, then this method is effective in offering accurate results. However, it is necessary to check that your teen is not providing fake urine sample which can lead to false results.

Saliva drug testing is an ideal drug test if you suspect that your teen abused drugs on that particular day. These kits can detect drug use up to 48 hours.

Need for random drug testing: If you are conducting drug tests on your teens at regular intervals, following a regular pattern, your teen may notice the pattern and either try to manipulate the sample before the test or stop abusing drugs few days before the test. Hence, practicing random drug tests is always an ideal way to identify the drug use which effectively helps in detecting the drug abuse among your teens. Random testing makes teens say ‘NO’ to drugs as they know that you can conduct drug testing any time at home.

Home drug testing kits can be considered as effective solutions in controlling and preventing drug abuse in your teens. So, make sure that you have some of them at home to test your teen to help him stay away from drugs.

The Difference Between Individual and Family Healthcare Plans

The costs of medical care in US are soaring with each passing day and in this scenario, it has become quite confusing to identify a perfect health insurance plan. However, if an individual has a clear idea of what kind of coverage his health insurance plan should provide him with as well as the budget that he can afford for the same, then the decision of choosing a good health insurance plan definitely becomes easier.

The two most popular health insurance plans available are individual and family healthcare plans. Even though other health plans seem less costly, the fact remains that individual and family health insurance plans prove to be much more cost effective in the long run. However, before people choose any of the two plans, it is vital to understand the points of difference between the two.

Individual healthcare plans, as the name suggests, provides medical care benefits to a single person and is best suited for people who do not have any family to support or provide medical care to. The plan comes with various options and price ranges depending on the type as well as level of coverage desired by an individual. The cost generally varies according to the individual’s preference of visiting a doctor as well as the medical care facilities of their own choosing or a pre-assigned set of doctors and medical care facilities.

Family healthcare plans are generally selected by people who want a health cover for themselves as well as their families. Since the plan is designed to provide for the medical care of more than one person, it naturally comes with a higher price tag than individual plans. The cost of the plan can vary from one family to another according to the gender, ages as well as the eating and drinking habits of the family members.

Don't Put Off Researching For The Right Family Healthcare Plan

Family health care plans or insurance can be extremely beneficial to the well being of the people you care the most about. Let’s be honest, our health is very important to us and as we age it becomes vitally important that we spend some time thoroughly researching the health insurance providers in order to find a family healthcare plan that protects the interest of our family’s health without costing us a fortune in health insurance premiums or monthly rates.

There are several reasons why researching a family healthcare plan is a good idea. First and foremost as I’m sure you are aware more and more companies are downsizing or eliminating the benefits they provide their employees. Unfortunately, reducing or completely doing away with health care benefits has become the norm as opposed to an exception to the rule. For this very reason it is imperative that you spend quality time now finding an adequate family healthcare plan that will provide outstanding family health insurance to your most precious of assets.

Guess what, accidents happen and they do so with enough frequency that should you need to take a trip to the emergency room or to the doctor’s office it’s better if you go knowing that you have a family healthcare plan that has you covered and will take care of any medical or health related bills that appear as a result of the hospitalization required due to the accident.

Being financially strapped for cash is no picnic and can be very stressful for many consumers. Having a family healthcare plan allows you to put aside any financial worries you may have in the event you find yourself or a family member needing attention or treatment at a local hospital. Having proper health insurance also affords you the opportunity to save money for other needed necessities in life because you won’t have to worry about having to cover any medical expenses or bills that may come up due to receiving medical attention from a hospital or doctor.

As you do your online research in order to find a family healthcare plan that fits your needs, wants and desires you will be able to compare price quotes between several different health insurance providers or companies. Always make sure to look at deductible costs, prescription costs and of course the doctor’s that you can choose to seek future medical treatment from. The time you invest in finding the best family healthcare plan will save you money and aggravation in all of your future medical emergencies.

Earn Your Child Care Credentials With An Online Degree

As the number of two-income household increase, more and more working parents are depending on day care centers to take care their children while they go out for work in day time. Parents know that children always come with surprises and they only trust child care providers that are trained to anticipate those surprises. Hence, if you want to success in this business, you need to earn your child care credentials and online education is one way to supplement your knowledge and experience with children to gain the trust of your potential customers.

What You Learn In Child Care Online Degree?

There are different kinds of children care online degree programs available. It’s range from early childhood education, children development to child study for grade 6 – 12 kids. Hence, you need to decide on one that best suit your child care business needs.

Basically, in children care related online degree programs, you will learn about education games, child growth and behaviors, child food nutrition, anticipation of children surprises and help children explore and learn about the world while developing relationships with peers and adults. If you are taking a degree related to business that focus on child care business, you will be taught on children management, activities planning and scheduling, socialization and much more.

Online Universities That Offer Child Care Online Degree Programs

There are a number of online universities that offer child care and children education related online degree programs. Among the online universities are:

  • University Of Phoenix Online University of Phoenix offers Master in Education with a Specialization in Early Childhood Education
  • Rasmussen College If you are interested to focus on children development, then Rasmussen College’s children development online degree program should be able to suit your need.

Choose Your Child Care Online Degree

Beside that, there are other online universities that offer child care online degree program, you could get most of information from internet, make a request to those online universities to send you a more details information of the course that you are interested in; request information from as many online universities as you can to make a comparison purpose on their online degree programs, information requests are free of charge; hence make use of it.

Accreditation

There are a lot of diploma mills offering “fake” degree. Hence, it is important to consider “Accreditation” when you choose your child care online degree. Make sure your selected online degree program is properly accredited by an accreditation agency that is recognized by U.S Department Of Education. Many “fake” degree programs do have accreditation but it is accredited by a “fake” accreditation agency. Hence, watch it of the potential trap of diploma mill when you choose your child care online degree program.

Summary

Your child care career will only be success if you manage to gain trust from parents. And getting an education online is an important way to earn trust or credentials as a child care provider.

Effective Mental Health Treatment May Mean Using Alternative Methods

Effective mental health treatment doesn’t have to mean prescription drugs and hours of therapy. There are alternative methods for dealing with things like stress, depression, memory issues and even age related issues like Alzheimer’s and dementia. So why don’t we hear more about them? A lack of understand on the part of many doctors keeps the public from being educated and aggressive marketing by drug companies keeps prescriptions flowing.

This is not to say that there isn’t a time and place for mental health treatments like prescription drugs or therapy. Those can be helpful for certain things, but it may be that we are too quick to turn to them for mild to moderate forms of stress, depression, etc. Often there are alternative mental health treatments available.

While the category of alternative mental health treatments can be broad, the primary method that can be of benefit is natural supplements. Secondary treatment methods would include lifestyle changes such as exercise, altering diet, etc. Research has recently been done in both those areas that has opened the door to new thinking on how to address illness of the mind. Some of the change in thinking involves treatment, the rest prevention. However, it is the primary method of supplements that is the focus of this article.

Mental health treatments that are truly effective deal both with prevention and treatment. Supplements are a powerful tool to address each. Studies have been done showing that many herbal supplements are as effective as prescription drugs in dealing with various aliments. For example, a study on Passion Flower found it to be as effective as a leading anti-anxiety medicine for helping people suffering from anxiety disorders.

Ginkgo Biloba is another example. In a study done on Alzheimer’s patients the results demonstrated that Ginkgo may be as effective as a commonly used Alzheimer’s medication in delaying the symptoms of dementia in people that have the disease. It also seems to be effective as a preventative mental health treatment to delay the onset of Alzheimer’s in those who may be predisposed to it.

The thing about these alternative mental health treatments is that the findings of these studies are not likely to get public press and acceptance of the information by both medicine and the public alike is slow. However, they are far more cost effective and have fewer side effects than most prescription drugs. This is not something drug companies like very much so much is done by them to over emphasize their products.

Newer supplement products containing compounds like huperzine A, choline, L-Tyrosine and 5-HTP are also promising in their ability to support a healthy mind. They work to help the body produce and sustain neurotransmitters, the chemicals your brain needs to function. Many mental issues like depression, anxiety, Alzheimer’s, etc. involve reduced levels of certain neurotransmitters or destroy them outright. These compounds help counter that effect thereby sustaining brain function. Studies have been done on these, but more research is underway.

Day Care – How to Boost Your Earnings

Day care is becoming a booming business avenue with passage of time. As more moms are working out and no one at home to take care of the children so day care facility is the only choice. These centers offer care for children of different ages like newborn, infant, toddler, preschool or older children. As an extension, you can also find on-site day care for businesses or schools, after school day care programs, over night care, part time care, occasional care etc. It means you can find children care facility according to your needs.

Care centers keep your children busy in different activities. Children not only enjoy but also learn a lot of things at day care centers. Theses centers provide you solution for children’s sleep issues, biting tendencies, potty training, teething etc. If you want to start a day care business then you must have the qualities that parents look for while selecting a day care facility. These qualities are:

  • A licensed day care facility
  • Trained, helpful and pleasing staff members
  • Special attention to each and every child
  • Attractive play equipment
  • Adequate different areas for different activities
  • All the area must be hygienic
  • Prepare balanced meals
  • First aid facility
  • Ability and equipment to handle emergencies

A good day care center should have a proper schedule for different activities of the children. It may include physical games, learning, coloring, meals like breakfast, lunch, snack time etc., story telling, sleep time, cleaning up mess, prepare to go home etc. Apart from making schedule for the children, you would be looking after many other tasks like meeting parents, explaining them your facilities, arranging the record of your customers, matching number of children admitted and staff members available and a lot of other things. So, your actual focus i.e. caring children is somewhat compromised.

There is a solution that can help you in automating your official processes. It will help you in lessening your tedious work, making you efficient, building up your reputation and boosting your earnings. This is a facility that will be installed on your website. Your would-be customers will get all the needed information through this facility and afterwards they will enroll their children there automatically. Due to automation of your processes, you would have a lot of time saved for your actual job. The benefits of this facility are:

  • Your interaction with customers will be minimal
  • Customers can access the facility from internet anytime from everywhere
  • You will provide all the information once and iteration will be done by the system
  • It will keep all the records about your customers, your staff, your receipts and payments etc.
  • You can generate different needed reports easily and print out them as well
  • You can handle many centers situated in different localities from this facility easily
  • You can maintain different access levels for customers and staff
  • All your information would be secure
  • You can process payments electronically

This is only a short list of benefits you would enjoy by installing this facility. It is an “Online Scheduling System” which enables you to automate all your processes and boost your earnings.

How To Be Sure Your Great-Grandchildren's Children Care

What will you practice today? Will your great-grandchildren’s children care?

When I began this leadership work many years ago, my focus was a bit different versus today. You could say, quite rightly, I have evolved my thinking.

However, well before I found myself immersed in The Five Practices of Exemplary Leadership© and what’s been created since, the foundation was set with seven key principles. I thought I would share those with you today and let you kick them around and, hopefully, respond with your thoughts.

Principle #1: Leaders focus on themselves. Sounds kind of selfish, yes? But hold on a minute. If you are not working on your personal growth, how the heck can you be a leadership role model for others?

Principle #2: Leaders simplify their lives. In today’s fast-paced, multi-tasking world, exasperation is staring at you in the next Tweet, text or email that demands your immediate attention and action. Have you cleared your desk lately? Deleted those emails that have stacked up since email was invented? Tossed files (please recycle)? Clearing the desk really does clear the mind.

Principle #3: Leaders establish priorities for themselves. Keep in mind, that there is no great value in getting things done, if they are not valuable to do. Have you separated yourself from what is least important in your life yet? If not, why not?

Principle #4: Leaders define their destinations. Do you know where you’re going? Do you need a personal GPS (Goal Performance Strategy) guide? Take some time to stretch out and create a personal vision and some stretch goals for the several areas in your life: Personal, Family, Professional, Financial, etc. Jot down just a few ideas in each category, reflect on them a bit and then get busy adding action steps to help you reach those outcomes. New Year’s Day is not the only time to make resolutions.

Principle #5: Leaders plan their time based on importance. All of my coaching clients have heard my suggestion that they take some L.E.A.D time each day. Listen to yourself with a 10 to 15-minute planning/re-planning session; Evaluate how you are doing in each area of your life; and Adjust what needs reconsidering. Finally, Determine, once again, if the destination you set is still correct.

Principle #6: Leaders nurture their creative genius. Are you aware of your creative genius? Or, are you just stomping through each day hoping to make it back home in one piece? Ugh! Every person is a creator. You have created your life to this point. Happy? Yes? No? What are you going to do about it? Robert Fritz, an author/colleague from years ago told me, “The creative process is alive. It is improvisation. And it is one of the most powerful and intimate involvements with one’s life I know.”

Principle #7: Leaders don’t arrive, they evolve. You’ve probably heard something like that before. It’s very true. There is no end point with leadership. It takes constant practice and is a continuing saga. And, keep in mind, depending on your life story, the memory of you takes a while to slip from this Earthly atmosphere.

Live your life with purpose. Create your Masterpiece. You wouldn’t want to disappoint your great-grandchildren’s children would you?

Know More About Types of Health Insurance Plans in Florida

Individual, families, groups, and businesses need customized health insurance plans to ensure that they have to spend minimum out-of-the-pocket money for their healthcare needs. With the implementation of healthcare reforms, the options for buying health insurance are widened.

With the advent of internet technology, the concept of transparency of price is gaining momentum. Insurers in Florida health insurance are facing a compelling need of price transparency when they offer health insurance quotes to their clients. At the same time, application time and waiting time for health insurance has reduced significantly as compared to earlier times.

Types of health insurance plans offered in Florida
Apart from State and Federal governments’ sponsored program including Medicare, Medicaid, etc., there is an option of buying health insurance from private companies. Like many other states, health insurance plans in Florida are offered to the residents in traditional format. These could be classified as:

1. Individual health coverage
2. Family health coverage
3. Group insurance
4. Student health coverage
5. Dental health insurance
6. Low cost insurance
7. Low-income families insurance
8. Short-term insurance
9. Small business insurance

Companies offering health insurance Florida
Below is the list of health insurance companies offering health insurance to the residents of Florida:
• Aetna
• AMS
• Assurant
• Avalon Healthcare
• AvMed Health Plans
• Blue Cross and Blue Shield
• Celtic
• Cigna
• Coventry
• Golden Rule
• Humana One
• IAC
• Solera Dental
• Vista

Types of health plans offered in Florida

A lot of consumer end up having discount coupons, which sometimes are termed as health plans; however, it needs to be understood that these discount coupons are not insurance. To buy affordable health plans in Florida, consumers need to equip themselves with proper knowledge about the same.

Traditional categorization of health coverage in Florida offers indemnity and managed care health plans. Indemnity health plans have the insured file claims for reimbursement. While managed care health plans allow the providers to file claims for the insured person.

Managed care health plans are further categorized as HMO, PPO, and POS.

Impact of the Affordable Care Act on insurance in Florida
• 290,000 small businesses in Florida will be offered tax credits for offering health coverage to their employees.
• Medicare beneficiaries in Florida will be automatically mailed a check of $250 to defray the cost of their prescription drugs.
• Early retirees will be offered reinsurance options.
• Uninsured Floridians with pre-existing condition will have a huge boost with $351 million federal dollars made available to Florida starting July 1 to provide coverage.
• Like many other states, for the first time ever, Florida will have the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.
• 8.8 million Floridians will no longer have to worry about lifetime limits on the coverage.
• Around 1.1 million individuals will not have to worry about getting dropped from coverage when they get sick.
• Children in Florida will be able to stay with their family insurance policy till the age of 26 years.

Costs involved in a health coverage plan in Florida

It is important to understand types of costs involved in a health coverage plan to make sure that Floridians have assessed everything before they finalize a health plan. We talk about the types of costs involved in a health coverage plan:

Premium-premium is the amount of money to be paid on monthly basis. Premium is the main cost that a health plan constitutes. It could vary from person to person and in plan to plan. It mainly depends on the age, gender, and health status of a consumer applying to get health coverage.

Deductible-deductible is the second major cost involved in a health plan. It is the amount of money that a consumer pays before the insurer actually begins to pay for the coverage. With higher deductibles, premium costs are reduced.

Coinsurance – coinsurance, as the name explains itself, is the amount of money that the consumer agrees to pay in percentage of the total cost of medical service after the deductible has been paid. Generally, it is usually 80/20 of the total value where 80% of the cost is paid by the insurance companies while the 20% is by the consumer.

Copay – copay is like coinsurance but it is not represented in percentage but in real value. Moreover, there is no consideration of deductibles in copays. Supposing a consumer needs to pay $70 per visit for the doctor: with copay, consumer will be paying $40 and the remaining $30 will be paid by the insurer. However, this copay facility will have some impact on the premium costs.

Is It Safe To Use Natural Health Medicine On Toddlers?

Most parents who have toddlers know how often they come home from kindergarten or day care with a runny nose.

That is because our children often catch illnesses from other children in these closed environments. This is why administering natural health medicine on your toddler can be beneficial in more than one way; not only will it help cure those minor illnesses that appear from time to time, but it will also bolster your child’s immune system to prevent them before they even take root.

Natural health medicine can give your toddler that extra boost he needs to avoid illness. Natural health medicine is made in a way that ensures that the growing toddler recovers fast and is not held down by the common cold or runny nose.

In addition to being really effective, they rarely have any side effects, which as a parent is good to know. Most of them are based on soothing the body and will not make your toddler tired or sleepy.

But because they are ill, their bodies will need the rest so that they can recover quickly. Natural health medicine will also make them less prone to getting ill, which as a parent is definitely good news.

It is hard having a sick toddler because all you want to do is to take the pain away from them. And natural health medicine will help you do that so that your toddler is back on their feet in no time at all.

They will feel more energetic to continue exploring the wonders of the world; and their bodies will be able to sustain anything that they might throw at it.

A little research in the natural health medicine department will only be a benefit to you and your toddler.

Fast Food Dangers – Is Your Health Worth It?

Our diet and lifestyle have altered dramatically in the last 50 years. At one time culinary skills were passed from one generation to another, and a woman’s role was the ‘home-maker’. She wasn’t expected to work outside the home whilst her family was growing, and she often had other female relatives living close by as back-up.

The car was a luxury, so her daily shopping was usually done locally on foot. She purchased fresh food regularly, which contained far more nutrients than produce purchased from the supermarket weekly. As fast food didn’t exist, her role included cooking wholesome family meals daily.

Fast forward to now. Women learned the art of the short-cut, often through necessity. We drive to the supermarket once or twice per week to purchase food. We gravitate to fast option choices, which when short of time and adequate information, seem both convenient and appealing. Most of the food we buy is preserved, sprayed with chemicals, injected, or grown in chemically rich soil.

It’s no wonder we develop problems. We probably treat our cars with more respect. Few of us would dream of denying our car the appropriate fuel or oil, so why do we neglect our bodies so?

How Our Diet has Changed Over Time

Our love for sugar escalates uncontrollably. In the UK alone we consume 500,000 tonnes of chocolate each year, which is mostly made from refined sugar. Table sugar contains no vitamins, minerals, protein, fibre or starches; perhaps tiny traces of calcium and magnesium if we are really lucky, but apart from that – empty calories.

  • Sugar lurks in some of the most unlikely foods: cheese, fruit yoghurt, tomato sauce, baked beans, pickled cucumbers, muesli, beef burgers, Worcestershire sauce, sausages, peas, and yes, even cornflakes.
  • Be careful with steak and kidney pie. Saturated animal fats clog the arteries that supply the heart, brain and other major organs. This leads to poor circulation, and then to heart attacks and strokes. Smoking accelerates this process.
  • Foods high in animal fat have been blamed for the increased incidence of breast cancer. So go easy at the fast food counter.
  • We consume too much salt – often 10 – 20 times more than our bodies require each day. Result: high blood pressure.

Don’t let your eating habits be a recipe for disaster. With a little enlightenment and effort, you can come out ahead.

With most of us living life in the fast lane, we don’t have the time prepare meals like our earlier generations. But we can get healthy food on the run if we’re aware of the roadblocks and learn to detour around them.

Want to Know More about Healthy Fast Foods?

Learn how to live an active life with healthy foods that won’t leave you feeling greedy and weak-willed.

When we talk about living on a fast food diet many of us think of America and their menu of shakes, fries and hamburgers. Understandably, the US has been blamed by many researchers for setting the trend in the rise of obesity issues.

But let’s not be so quick to judge.

A new study reveals that America is not the country with the highest fast food consumption. Remarkably, Britons have begun to out-guzzle their American counterparts when it comes to fast food. When asked to identify with the statement, “I like the taste of fast food too much to give it up”, 45 percent of the British agreed, compared to 44 percent of Americans.

Despite menu changes, the major burger and pizza chains offer few healthy options. An investigation of the food sold by the four of the big fast food chains found that 17 of 20 products were high in salt or saturated fat or both. On average, the fast-food meals sampled had 274 calories per 100g of food, more than double that of a home-cooked roast dinner.

Some fast-food meals scored mega calorific counts. A Big Mac, medium fries and small vanilla milkshake contained 1,169 calories. You’d need to walk 16 miles to work that off. A margherita pizza and garlic bread had 5.4 grams of salt in the same analysis, almost the entire recommended daily allowance of 6 grams.

Is Fast Food Always Unhealthy?

Surprisingly, the answer to that question is no – if you know what to look for.

Strengthen Your Immune System With Natural Health Medicine

Your immune system protects you against an army of germs and viruses that are ready, and waiting to attack. However, to remain constantly effective your immune system requires your consideration. Therefore, if you incorporate a natural health lifestyle, supplemented with natural health medicine, into your daily routine, you will be helping your immune system to defend you, as and when the need arises.

Natural health medicine is one of many tools available to complement a natural health lifestyle. Because it can naturally combine with normal body processes, to strengthen your immune system, you can become naturally resistant to numerous afflictions, waiting to invade. There are many people who have derived benefit from the use of natural medicine, to the extent that it has reduced their requirement for traditional and unpredictable alternatives.

Natural health medicine does not act as a drug but strengthens the immune system, to provide you with a natural defense. This is preferable to having to rely on chemical preparations. These, it must be said, are sometimes necessary because people have neglected to take the best care, that a natural health lifestyle can provide.

There is no better investment that you can make than remaining healthy, which in turn will help you to enjoy your life to the full. That is your birthright, which can be more readily achieved through a healthy lifestyle, including natural health medicine containing naturally therapeutic ingredients.

Many people suffer distressing side effects from synthetic medicines and drugs. At times they have little alternative but to resort to such measures, but in other instances the old adage, that prevention is better than cure, rings true. An understanding of natural health medicine, and how it can assist in maintaining your immune system, is something, that all who contemplate good health, should consider.

Help Your Immune System Fight Diseases With Natural Health Medicine

The benefits of taking care of yourself are some of the rewards you get from knowing that you are doing the best for your body. This includes the most important part of your body–the part which is in fact a mechanism that protects your body: your immune system.

Your immune system protects you against viruses, bacteria, and toxins. And to ensure that your body keeps doing all these things and more, you need to take good care of it. This includes taking precautions against diseases; and helping your body when you do get infected with diseases.

That is why only the best will do. Before you begin to incorporate a natural health lifestyle into your everyday life, you should first start to learn what options are available for you.

Natural health medicine is one of part of the pool of many medicines available in the natural health market. Because of its natural, anti-bacterial effects, many people are using in favor of traditional medicine to cure their illnesses.

Natural health medicine is good in that it has a harmonious effect. It does not act as a drug, but more as a supplement for all your bodies needs. You know that you are giving your body the best of that nature has to offer; rather than bombarding it with chemicals that will harm it as much as help it.

Natural health medicine does not cause drowsiness and it works with the body to help you get better. The most-praised element of natural health medicine is that it is made from natural ingredients. And these ingredients enhance your body’s effectiveness to work for you.

When you know what is at stake, you understand that natural health medicine can give you that ultra boost you need to get your body in the best defenses shape possible.

In addition to everything else, you will not suffer side-effects when you take natural health medicine; instead, the medicine will help your body to heal without harming it simultaneously.

Panic Disorder in Children – Caring For Them

Panic attacks are a rough thing for anyone to experience. These bouts of intense fear and panic often leave a lasting impression of the effects. Although millions suffer each year from this, it is not just limited to adults. Quite often just as adults can be affected with panic disorder, children can be too.

As parents, witnessing our children going through such an event can be a trying period of time for both the parent and child. Just as we may feel extremely stressed and worried about our young one, imagine how they feel too. We need to do what we can, but how do we care for them when these attacks occur?

The first thing that usually comes to mind, is the thought of calming them down. There are many different ways to go about this, and how effective they may be can differ from child to child. With this being said, there are a few generally effective things we can do.

When a panic attack occurs, our presence may often be one of the few things that can get through to them. Hold them close, and let them hear your reassuring voice. This will tend to bring about a sense of security within them, and could help them to calm down sooner.

Be more active with them. By this I mean talking with them more, being a little more involved with their activities. Understand them a little better, so you can spot the things that may trigger their panic attacks. Through your guidance, you may be able to help them overcome those fears and reduce the occurrences of attacks.

Doing this will also create a better bond. This will in turn act as a solid form of support for the child, something that is desperately needed during this period of time. Try to have open conversation and reassure them that everything will be fine. Reassurance from a parent can be very powerful.

Alternative Health Treatment – 5 Questions and Answers

1. Why should I look at alternative health treatment as a realistic remedy for my ailment?

While Western medicine has advanced closely in tandem with knowledge of and experimentation with drugs as a way of treating disease and illness.

It’s not surprising, therefore, that it relies heavily on drugs and medications for treating disease. But drugs and medications are not natural to the human body, and invariably there are side-effects, often harmful.

Alternative health treatment is based wholly on natural cures not involving drugs or manufactured or processed materials. As such, it is invariably accepted by the body without resistance, so no energy is wasted in fighting it. It’s like swimming with the current rather than against it.

Besides, alternative health treatment has an excellent record in curing people of illness and disease, arguably a better record than Western medicine.

2. How does alternative health treatment differ in essentials from orthodox medical treatment?

Orthodox Western medicine depends largely on the administering of drugs and medicines, and unnatural procedures such as chemotherapy for cancer victims. It focuses largely on the symptoms rather than the underlying cause. A typical example is the taking of pain killers to cure a headache.

Alternative medicine acknowledges that the natural state of the body is one of good health, and that the body, mind and spirit are closely connected. It recognizes that all these components of the whole need to be in balance, and treats illness as a sign that they are out of balance. It therefore works to restore the natural balance and, thereby, good health. A headache would be cured by direct action on the area affected, e.g. by acupressure techniques.

3. Why don’t doctors and surgeons give more weight to alternative health treatment, and why hasn’t it made more progress in being accepted by the medical establishment?

The medical establishment consists largely of doctors and surgeons. Put yourself in the position of a doctor or surgeon. You spent seven gruelling and expensive years qualifying and passing difficult exams, and working long hours for at best mediocre pay. You now have an encyclopedic knowledge of medicines and medical drugs and procedures, and are enjoying a financially rewarding career in medicine.

Then you learn there is an alternative system of medicine based on herbs, and practices such as acupuncture that claim to be able to deal with medical conditions better than the medicine you learned at such cost in money and time. What would your feelings be towards these alternative medicines?

4. Isn’t alternative health treatment rooted in the past, and modern Western medicine with all its advanced technology the way ahead?

What matters more than anything else is what treatment will effectively cure your own particular ailment.

Just because skills such as acupuncture, acupressure and yoga have been practiced for thousands, of years in the Far East it doesn’t mean they are any less relevant today. On the contrary, it is evidence of their effectiveness.

Western medicine may have all the modern gleaming technology, but it is still a system developed and administered by humans and subject to all their faults and failings. Yes, it can and does produce some astonishing and greatly beneficial results, such as transplant surgery and artificial limbs, but in the case of common ailments and complaints, sometimes the simple methods are the best.

5. Which alternative health treatment is best – herbal, physical contact type treatment such as acupuncture or chiropractic, or supplements such as oils and enzymes?

It’s horses for courses. Different kinds of treatment best suit different kinds of illness. A general malaise, such as weight loss or gain, can often best be treated through a change in diet and the administration of herbal remedies, plus an exercise regime, whereas constant muscular pain such as back ache is best treated by someone like a chiropractor or osteopath, who can manipulate the bones and muscles so as to remove the root cause of the pain.

Specialized Mental Health Treatment Training – Seven Building Blocks For Your Successful Practice

Once you complete your generalist training in mental health practice, it is time to identify your practice niche. The next step after identifying your niche is to seek out specialized mental health treatment training. Specialized mental health treatment training provides the foundation to build your successful practice. When you use the following building blocks, your foundation is solid and the walls surrounding your practice are strong.

Building Block one: Builds confidence in your abilities to treat clients in your niche.

Building Block two: Builds in-depth knowledge in your client’s issues.

Building Block three: Builds skills to work with client issues. Effective mental health training includes interactive skill-building development.

Building Block four: Builds effective approaches to use with client interventions when various client issues arise.

Building Block five: Builds credibility with clients and professional colleagues. You increase referrals. You’re viewed as a specialist with a given body of expertise.

Building Block six: Builds greater competence as your caseload includes more and more clients with similar issues.

Building Block seven: Builds potential to expand your knowledge, skills, and approaches into training other therapists in your specialty niche.

Let’s take a more in-depth look at each building block.

Building Block one: Builds confidence in your abilities to treat clients in your niche. When you carefully select your specialized mental health treatment training, you are prepared to learn what is most beneficial for treating your client niche. You approach the training opportunity with a readiness to learn and leave with greater confidence. Your confidence arises from the knowledge, skills, and attitudes you gain from the training.

Building Block two: Builds in-depth knowledge in your client’s issues. Mental health training in your client niche helps you gain a deep understanding of the issues and dynamics of your clients. This knowledge contributes to your ability to have empathy and patience as you work with your clients to discover resolutions to their emotional pain.

Building Block three: Builds skills to work with client issues. Effective mental health treatment training includes interactive skill-building development. When you select quality mental health treatment trainers, they include experiential or interactive elements in their training. This provides you the opportunity to gain practice in working with the tools the trainer introduces. With appropriate feedback, you hone your skills to work with your clients.

Building Block four: Builds effective approaches to use with client interventions when various client issues arise. You are able to integrate your knowledge and skills to select the appropriate intervention when you apply the approaches you learn in specialized mental health treatment training. Over time, you gain a clear understanding of which interventions are most productive when clients present with similar issues and dynamics.

Building Block five: Builds credibility with clients and professional colleagues that increase referrals. You’re viewed as a specialist with a given body of expertise. Clients stay with you to complete treatment even after their insurance runs out. Your number of self-pay clients increases allowing you to build a more lucrative practice. Managed care referrals increase with your increased credibility.

Building Block six: Builds greater competence as your caseload includes more and more clients with similar issues. Your skills and effective approaches become more refined. You are able to facilitate lasting changes with clients. Your expertise is valued within the larger mental health community.

Building Block seven: Builds potential to expand your knowledge, skills, and approaches into training other therapists in your specialty niche. Leverage your expertise when you provide specialized mental health treatment training to other therapists treating clients in your niche. You move from being trained to being the trainer.

Tips to Lower Your Pricey Dental Care Cost

Getting cosmetic dentistry and dental treatment in several parts of the world, specifically in wealthy countries of the developed world, can be extremely expensive, regardless of whether you have access to any form of dental coverage.

In a survey (1999-2004), it has been revealed by the National Health and Nutrition Examination Survey (NHANES) that 3.75% of adults between the age of 20 and 64 have no remaining teeth. As of 2010, nearly 45 million Americans lacked dental insurance, according to the US federal agency CDC’s statistics.

Many middle-income and uninsured people avoid their dentist appointments due to high costs than pain. But delaying needed dental treatment or check up can put them at an increased risk of facing costlier and more extensive dental work in the long run. Understandably, the oral and dental problems can worsen an individual’s oral health if not attended to immediately.

If you are in need of any kind of dental treatment or surgery but are scared of the heavy dentist bill, by following some useful tips you can save money on your dental care.

Mentioned below are some useful tips to lower the costs of dental treatments for insured and uninsured alike.

Dental Tourism
Dental care could be highly cost prohibitive in several wealthy countries like US, Canada, Australia, the UK and other EU countries.

Compared to the US and European countries, all common dental makeover procedures including veneers, tooth colored fillings, bleaching as well as more complex treatments including orthodontic or surgical treatments like dental implant, bridges, crowns, sealants and tooth bonding can be found at surprisingly lower costs in developing and some newly industrialized countries like India, Thailand, Mexico, Costa Rica, Hungary and Belgium, due to the lower living costs and labor wages.

So, instead of delaying your medically necessary dental treatment you can look for inexpensive alternatives in any cheaper country of your choice.

Say No to Frequent X-rays
Your dentist might suggest dental x-ray during your first visit, a scheduled checkup, or a return for treatment. But the American Dental Association (ADA) recommends that the frequency of trips to the dentist’s X-ray chair should be determined by the current condition of a patient’s dental health.

So, if you have good oral health, it is just not necessary to have dental x-rays taken every time you visit the dentist. Having teeth x-rayed less frequently can not only save you substantial amount of money but also keep you from potentially harmful radiation exposure from dental X-rays.

Use Negotiation
Another way to keep your dental treatment cost down is to talk to your dental surgeon about payment options during the initial consultation. After having clear understanding of what will and will not be included in the dentist bill you may ask for discount on the dental bill. Your dental care provider and facility may offer you a variety of payment options. Don’t be afraid of asking to pay your dentistry expenses on monthly or quarterly basis.

Barter
It may sound crazy, but you can get free dentistry through the bartering system. Patients with different skills and professional services like carpentry or web design can trade their services for the dental treatment. For example, one can create a Web site for your dentist or offer plumbing, mechanic or any other service in exchange to the dental care costs.

Seek Out Dentistry in a Dental School
To super-size your dental care savings, consider having your dental work done at a dental school, where the dental procedures will be performed by students under the supervision of the qualified and skilled dentists at a fraction of what you would pay in a private care center.

Brush and Floss Everyday
Most importantly, if you really want to save money you need to take very good care of your oral health. Brush your teeth twice a day or after every meal and floss at least once daily to ward off your risk of oral problems. Cut down on your sugary intake in order to reduce your dental problems, thus your time in the dentist’s chair.

Buying Home Furniture – Top Priorities

Different parts of your house require furniture of different styles and types to make the best use of both the area and the furniture. This is because each furniture piece plays a different role in your house, with the common feature being that each item should be comfortable and should go well with the surrounding structure and color scheme.

That said furniture in your living room needs to be different from what you will put up in your bedroom and vice versa. Apart from being comfortable, furniture needs to be decorative and stylish. You don’t want to invite friends and family over to a shabbily furnished house now would you? Some of your first time visiting friends might even want to take a little tour of the house, and a rightly chosen furniture will definitely save you a lot of embarrassment.

Before you go ahead and invest money in furniture, there are three things you must take into consideration. After all, you don’t buy home furniture every now and then. Here are the 3 things you need to keep in mind while buying furniture:

  1. Quality should be your top priority. You need not spend your money on super expensive designer furniture available in the market. If you are on a limited budget, go for a more basic, simple design, but make sure you do not compromise on the quality of the piece you want to buy. As far as possible, try buying wooden furniture. These pieces are strong, can be crafted to suit numerous design choices, and they add a homely, warm ambience to your house.
  2. Comfort is another important characteristic which defines good furniture. Your furniture needs to have a design that provides physical comfort. At the end of a tiring day, won’t it be great to come home and just drop on your favorite couch to help you relax after a long day at work? Remember that badly designed furniture is often the cause of many health issues like back pain, muscle pain and even headache.
  3. The design and color of your furniture need to be such that they blend in with the look, feel and the color scheme of your house or room. They must also make the most appropriate use of the available space, without making the room look overcrowded. Also, the members of the house should not face any discomfort while moving about in the house because of the furniture. You should even get specially designed pieces of furniture to allow you to utilize the spaces in the corners of rooms, which otherwise would go unused.

Of course, you need to keep your budget in mind. Be a smart buyer and visit a couple of stores to check the prices and various available designs. The Internet comes to your rescue, as always. Do your homework before stepping out to buy what you need. You would not regret having spent the time in going through the variety of furniture available and its prices, before you make your pick.

Phoenix Real Estate Market at Risk of Sudden Slowdown Due to Newly Passed Housing Bill

The Phoenix residential real estate market could see a 10% or greater drop in home sales with the elimination of down payment assistance tied to Federal Housing Administration (FHA) loans, which would have serious repercussions given the market’s already challenging climate.

Nestled in H.R. 3221, or “The Housing & Economic Recovery Act of 2008,” passed into law on July 30th, the Congress and the President set a date of October 1st for the elimination of down payment assistance, a financing option for many home-buyers in the Phoenix real estate market.

Down payment assistance is provided in tandem with a Federal Housing Administration loan whereby home-sellers can contribute monies through an intermediary toward a down payment for home-buyers to purchase a home. The intermediary acts as a pass-through for seller contributions and passes these monies to the buyer as a ‘gift.’ Ameridream Inc. and Nehemiah represent the most visible of these intermediaries and have been involved in several legal challenges with FHA over the down payment assistance option.

But the hard truth is that elimination of these programs may adversely impact the Phoenix housing market and do more harm than good in the short term. This is due to FHA loans and down payment assistance programs’ prominence in the current housing environment. FHA loans haven taken on a hugely important role in the Phoenix residential real estate market. As loan programs disappeared, credit requirements tightened, and down payment requirements rose to 10% or more, FHA loans presented the only option for home buyers to get into properties with 3% or less down payment through the use of DPA. Some estimates are that FHA loans currently represent over 50% of closed residential real estate transactions for the year. As a result, the wholesale removal of down payment assistance programs may have an immediate impact.

If the legislation holds, the market may see two developments. First, there will be heightened activity in the period up to October 1st as affected home buyers seek to lock into homes before they get sidelined and aren’t able to. Second, there will be an appreciable decline in buyer activity and home sales as a result of down payment assistance’s elimination after October 1st. Buyers who could have purchased homes will have to wait or give up their search.

Phoenix could see a 10% or greater decline in an already suffering housing market that potentially moves it away from a market that is recovering to one that is stinging. Taking this one step further, if the impact is similar in other markets across the country, the effect on the broader economy of the United States may be problematic.

The Federal Housing Administration as part of the Department of Housing and Urban Development is staunchly against the use of the programs citing that down payment assistance transactions incur a disproportionate number of foreclosures when compared to loans where the buyer accumulated the down payment. Higher FHA loan defaults raise the costs and risks to FHA. FHA cites that homeowners using these programs are able to buy their homes with effectively no money down and so have no personal stake in the properties themselves. With no personal stake, the buyers may not have the personal financial discipline to keep their commitments or the financial wherewithal to afford the properties in the first place.

Proponents counter that the programs simply allow viable and qualified buyers the ability to own their own homes and that elimination of the program will hurt American families.

Regardless of the side of the debate one is on, the market reality is that wholesale elimination of the down payment assistance option does present a risk to the Phoenix housing market. as it has been an important and prominent enabler for the local housing market. Time will tell if a viable compromise solution is put before the Congress and the President before down payment assistance goes completely away.

Travel Guide – The Best Way to Plan Your Holiday

Holidays form a very important part of our lives because they recharge our batteries and refresh us completely. The only thing that can lighten us up and invigorate our spirit to work and live life dynamically is a holiday. Not just that, a holiday is something that helps us better understand the place we are visiting; there may be so many things we wouldn’t have known about the place if not for the visit. Most of all, it helps us build memories, which stay with us and probably never fade away until we become extinct. Furthermore, holidays bring us back on track and help us keep the momentum going once again with a new, rejuvenated and vibrant spirit. As humans, it is highly essential for us to take regular breaks from packed and hectic life schedules and enjoy the precious moments that a holiday brings about.

The travel guide can simplify the planning part of a holiday. It gives information pertinent to the destination and its various features. For instance, if you are planning a trip to Goa and you want to know the major tourist attractions, the answer can be got by looking up in a travel guide. Not only that, a travel guide also contains information about the various hotels that are located in the particular destination. For tourists, travel guides have come very much in handy and have helped in developing an understanding towards the various aspects about destination that is being visited. Referring a travel guide is a trend that is widely followed these days.

Travel guides are often documented by travel agencies. Since they deal with helping people enjoy their vacations in different places round the world, these agencies have an in depth knowledge about major and minor tourist destinations. Travel agencies are the best way to obtain travel information and the attractive aspects of a particular place you want to visit. Travel agencies also suggest places that can be visited on the basis of your preferences and priorities. The travel information about a particular place is provided by travel agencies and these agencies also take care of transport and accommodation services. Travels agencies have tie ups with the hospitality industry, both working in mutual coordination in order to promote their own services and increase their brand value. So remember, if you decide to go on a holiday to a particular place, approaching travel agencies is the best option since these agencies provide full travel information of the place you’d be visiting.

Traveling round the world is an exciting prospect and provides something very different when compared to visiting different places in your native country. For one, the culture is completely different and so are the people. Interacting with locals in a different country is as exciting as visiting the attractions there. You can travel world round and enjoy the sights, the cuisines and the wonderful locales which foreign countries can provide. A good source of information about international destinations is travel world magazine. The travel world agencies also give detailed information about the most sought after tourist attractions in the world.

Gold Rings for Women – A Sentimental Gift Item

Gold is perhaps the most precious metal that is available today. It is a luxurious metal that only few can afford nowadays owing to the very high gold prices. Even though gold is such an expensive metal that only few people can afford, it really hasn’t been replaced by any other metal. People still seems to save up as much as they can when it comes to buying gold jewelry for themselves. Jewelry is very popular among ladies and it serves as a very good gift item as well. In this article we will be discussing the suitability of gold rings to be given as gifts to someone close to you and to someone who you feel is really special and important in your life.

When you have decided that you want to give gold ring as a gift, there are a few things you need to understand. First of all, there is not just the simple yellow gold from which gold rings are made. There is white gold and rose gold which can be chosen as well. Rose gold, we think, is a good choice for the ladies because it has a pinkish touch to it. It couldn’t be more suitable for any woman since the color pink is also associated with women. White gold on the other hand, is a metal that is commonly known as platinum as well. It has a very glossy shine and looks somewhat like silver, although both the metals are worlds apart.

Keeping in mind the purity of the gold rings for women is also important when selecting one as a gift to give away. Never choose a ring that has been gold-plated because once the plating comes off, the ring loses its shine and its glamour. If you cannot afford a gold ring, you could give away an older one or have a new one made from an older gold ring. Gold rings for women or any kind of gold jewelry for that matter, are never made out of pure 100% gold. Some other metal is always mixed with the gold to make its stronger. The carats that are mentioned on the ring give you an idea of how much gold has gone into making the ring. If you’re gifting a ring something above the 15 carat mark would do because the higher the carats, the more gold has been used in making the ring.

When you’re giving away gold rings for women, make sure you keep a check about the allergies that the lady you are giving the ring to, has. If they suffer from any allergies of gold, it’s best not to give them a gold ring. Perhaps something else would be more suitable. If you’re looking to make the ring more sentimental, you can also have the rings for women, custom-made. You can have a ring made according to your own design and have something of sentimental value engraved on the ring. It could be a date, a name or even a quote; whatever you think is suitable. If you want to spend extra dollars on the ring, you could even have stones fitted into or onto the ring. This will cost you more, but it will definitely add to the look of the ring. A beautiful ring, placed in a nice ring box is sure to lighten up any lady’s mood. Gold rings for women are the perfect gifts to give away if you can afford to give it.

Health-Medicinal Benefits of Garlic May Not Include Prevention of Heart Disease

For thousands of years, physicians have been aware of the health/medicinal benefits of garlic. But, today, the popularity of garlic supplements is related primarily to decades of research concerning the health benefits of garlic in lowering cholesterol, thus improving the health of the heart and possibly reducing the risk of heart disease. While no one disputes that there are numerous genuine health benefits of garlic, the most recent research conducted by the National Center for Complementary and Alternative Medicine (NCCAM) casts doubt on garlic’s cholesterol lowering effect and its benefits to heart health.

Over a period of six months, 169 people with moderately high levels of LDL or bad cholesterol were given three different formulations of garlic supplements. The trials were double blinded, randomized and conducted using placebo controls. Older research supporting claims of the benefits of garlic to heart health were not always conducted in this manner. Some research was conducted using laboratory animals. Some research was not blinded or placebo controlled, meaning that researchers or participants knew they were receiving actual garlic supplements. The problem with non-blinded studies is that the results are sometimes skewed towards what the researchers want or expect the results to be, plus, the placebo effect is well documented. When a person believes that they are receiving a product that will help their condition, any substance will return positive results 10-20% of the time.

NCCAM research concerning the cholesterol lowering benefits of garlic supplements was also controlled so that no other changes in diet or exercise regimens were made, because the primary question is whether or not garlic supplements alone actually have a beneficial effect on LDL cholesterol. If the NCCAM results are accurate, then garlic supplements have no effect on LDL cholesterol levels. Thus, the benefits of garlic to heart health may have been overstated by previous researchers or simply blown out of proportion by the media and supplement companies.

The undisputed health/medicinal benefits of garlic are mostly related to a component known as allicin, which is released when fresh garlic is crushed. Louis Pasteur, the father of modern antibiotics, noted garlic’s antibacterial activity in 1858. It was used to prevent gangrene during World Wars I and II. Other health benefits of garlic include the treatment of various infections, such as upper respiratory infections, fungal infections and infection with intestinal worms and parasites. The garlic must be fresh and crushed in order to be effective. The allicin is lost if garlic is cooked.

Top 10 Events to Celebrate on a Party Bus

A San Francisco party bus can be an excellent transportation choice for a wide variety of activities. Instead of renting a traditional limo, you can kick the party up a notch with more space and entertainment. Most buses include amenities like a sound system, plasma televisions and plenty of comfortable seating. These ten events are the perfect opportunities for chartering a party bus.

Club Hopping
Bay area party bus drivers know all the hot spots in the city, and they will help you make the rounds. Most bus services will offer club hopping packages that will include entry to two or three clubs along with plenty of onboard entertainment in between.

Bachelor/Bachelorette Parties

Give the bride or groom a night to remember with a party aboard a San Francisco party bus. You can add your own refreshments and entertainment.

Weddings

Get your wedding party to the church on time in extreme style. A party bus can provide extra time for the wedding party to spend together and add another memorable element to the special day.

Concerts

A party bus makes it easy to see all your favorite entertainers. The bus will pick you up at your front door and drive you right to the front of the arena or concert hall. After the concert, your driver will be ready and waiting to keep the party going on the way home.

Sporting Events

The tailgating is on the bus, and what a party it is! You avoid the hassle and expense of crowded parking lots, and those plasma televisions onboard come in quite handy for catching the pre-game shows.

Birthdays

Have a big birthday coming up? A San Francisco party bus can get you to your destination in high style. If you prefer, party onboard while your driver gives you a unique tour of the city.

Prom

There is simply no better way to impress the senior class than by showing up to your prom in a Bay area party bus. This party on wheels can be the perfect way to start and end your special night and parents can rest assured that kids will make it home safe and sound.

Graduation

That graduate worked really hard to get where he or she is today. Why not reward them with a special trip to the graduation ceremony? Afterwards, a San Francisco party bus can be the perfect way to make the graduation party rounds.

Family Reunions

Get the clan together by hopping aboard a party bus to take you to the reunion site. You can book a Bay area party bus big enough to hold the entire crowd so that everyone gets to the reunion together.

Gold Watch – The Perfect Gift For Your Valentine

Are you thinking of what to gift for your Valentine on this Valentine’s Day? How about giving him or her the best and the most memorable gift? A gold watch would be the perfect gift to anyone from their loved one, wouldn’t it? And if your hubby loves jewelry or likes to have a collection of watches, they will surely be more than just happy to add this to their collection if they matches their taste.

Such a watch encompasses everything anyone would love to have. Precious rocks and rubies can be embedded in the watch to show the time as presentable as it can be and make it more than just a watch. A gold watch can be more than an ordinary watch when you wear it; it can be an accessory.

Gold watches usually make a clear statement of style and class for those wearing them. It does not matter where you wear it, whether in your office or with your friends, this watch can surely make you look special and set you apart from the crowd. And all that gives this watch the special aura, is the gold which is specifically used for this purpose. If you do not have one of them yet, go out and get one. However, have a look at the price tag first before you actually hand over your credit card to pay the bill, because price is important when buying expensive watches.

Gold is one of the most precious elements which of course also makes such a watch precious and expensive. However, apart from the gold, there is more to those expensive watches, such as the expert watch craftsmanship.

Ladies also love gold watches, and no doubt, they would make brilliant gifts for any special occasions. Be it your girlfriend or your mother or sister, anyone would love to have a beautiful watch regardless of their age. You can find cheap watches or very expensive ones, but the bottom line is that they make for a gift to remember!

Gold watches look great when worn with expensive dresses or designer suits and these watches last very long if maintained well and with care since gold is very durable. So, remember to take good care of that watch from the minute you put it on!

How to Buy Vintage Jewelry at Thrift Shops

Some of the best places to find great vintage costume jewelry are thrift shops. You’ve seen the big stores – Goodwill, Salvation Army, Savers…and then there are the charity shops run by churches and non-profits. All of them receive donated jewelry, and I have found some amazing pieces in thrift shops. It seems to me that the larger chain shops have better prices than the smaller charity shops, but it really depends on who is pricing the jewelry when they put it out for sale. Some shop employees are very savvy about values, but some aren’t and they often price jewelry very low. Maybe they figure that if it isn’t real gold it isn’t worth much. Good for us!

Thrift shop shopping has lost the stigma of being just junk shops or places where the down-and-out shop.

A great tip is to become friendly with the staff of the shops that you visit. One clerk lets me rummage through the jewelry bins before she prices them and puts them out on the floor. Another lets me know when they get a large amount of jewelry donated.

Find out when the shop has their specials. One store in my town has a 30% Senior discount on Wednesdays. Guess which day is my shopping day!

Sometimes the shop management will put a large amount of jewelry in a plastic bag and sell the bag for a fixed price. If you find these, examine the bag as closely as you can – you won’t be allowed to open it, and there’s lots of junk in there, mostly stuff that didn’t sell, and often lots of plastic Mardi Gras beads. I bought these bags a few times, and it was fun sorting through everything, but I wound up donating most of it to a nursing home for crafts projects. I have found a few really nice pieces this way, but I don’t think it was really worth the time and trouble.

Most thrift shops have a glass case where they keep the better stuff. Ask to see pieces that interest you, and examine them closely. Look closely at the racks where they usually hang the cheaper stuff. I found a sterling silver Native American belt buckle, with a turquoise stone in it and signed by the artist, hanging in a zip lock bag on a rack. I bought it for $2.80 and sold it on eBay for $52! It was badly tarnished, but I polished it up and it was beautiful.

There always seem to be lots of watches in those cases. Beware of copies of famous makes, and buy only name brands that you recognize. Make sure the band is in good condition and that there are no scratches on the crystal. The watch probably won’t be working, so plan to spend $5 to $7 for a battery. If you’re buying for resale, be sure to include the cost of a battery to see if the watch is worth buying. You’re taking a chance there – it might not work even after a new battery is installed.

Whether you are buying jewelry for your own collection or for resale, there are several things to look for when examining thrift shop jewelry.

1. Condition, condition, condition: You are going to come across all kinds of jewelry in all kinds of condition. Look for broken clasps, missing stones, worn metal finishes, and any green material on gold tone jewelry. The green stuff is corrosion, and it can’t be cleaned off. Pass on that one. Check that stone settings are tight, and if they aren’t, be careful with the piece – you should be able to tighten them. If the piece is dirty you can clean it. Bring a jeweler’s loupe or strong magnifying glass so you can examine the piece closely.

2. Is the piece signed? The name on the back of a pin or earring, on the clasp of a necklace or bracelet, or on an earring clip is the “signature” of the designer. Signed pieces can be more valuable than unsigned, but there are also many many “unsigned beauties” out there. Look for the name, and if there is a copyright symbol ©, that means the piece was made after about 1955. No symbol – you probably have a real vintage piece. Look for the numbers 925 on silver jewelry – that means it’s sterling silver, and if the price is right, you’ve got a steal.

3. Price: It’s hard to put a price on thrift shop jewelry – the cheaper, the better, of course! I try not to spend more than $3 for a pin, bracelet, necklace or pair of earrings. You might come across something really spectacular that costs more, and if you think you can profit from it, or you want it for yourself, go ahead and buy it. A good rule of thumb when shopping thrift shops is this: If you like it but aren’t sure, set yourself a limit, say $5. If it turns out to be not so great, you’re not out that much. As mentioned, some thrift shop employees know more about jewelry, and will price some pieces too high for you to sell and make a profit. But there seems to be quite a bit of employee turnover in these shops, so the next person pricing jewelry might not be as knowledgeable.

After Christmas is a good time to pick up Christmas jewelry. Some shops will mark down holiday items to get rid of them, other shops just store them away for next year.

I love shopping at thrift shops – just like Forrest Gump’s box of chocolates, you never know what you’re going to get. Every trip is a treasure hunt. Some days are slim pickin’s, but some days are very rewarding. Just yesterday I got 10 pieces for $15 – several are sterling silver, and one piece may be jade – I’m still not sure.

Be consistent in your thrift shop shopping. Try to go out every week, and find out when the shops have their special promotions. Most of the large chain shops put out new merchandise all day long, some other shops restock on certain days. Find out when those are, and get there early.

Read books about costume jewelry, and become knowledgeable, so when you shop the thrift shops you’ll be armed with information. Have fun with it, get to know the thrift shop staff, and you’ll come home with some fabulous jewelry at fabulous prices.

Fashion Style: Product of Inner Artistry

Want to be trendy and stylish in all your favorite parties and occasions? It is amazing and fun to be unique and fashionable. Even wearing a mullet wig can make a difference if you just know how to carry the fashion you chose to impose. During parties, it is important that you know every detail of the occasion. This can prepare you for your outfit and style. The more unique you are the more you can definitely stand out in the crowd.

Parties like Halloween and Costume can make possible of wearing the stylish Halloween wigs. There are definitely a lot of designs to choose from depending on the character you are trying to portray. Pirate costume is always nice when perfectly matched with mullet wig. If you are trying to be Jack Sparrow just for a night, make it come true by choosing one of the stylish pirate costumes paired with one of the Halloween wigs then, the charming pirate will definitely be on their sight.

Your fashion statement is definitely a must when it comes to attending a party. You will be hiring a personal fashion coach or you will be managing your own style. Either ways, you need to be the unique and different to stand out.

There are cases when you will be stressed thinking of a fashion and style you need to materialize during a party. This is true to a lot of party goers especially when they have already tried to appear in a lot of parties. Sometimes, you will run out of fashion ideas. Even finding a pair for a mullet wig may be hard to do but not to worry. You can definitely do a way for finding a solution for this dilemma of yours.

If you have been a party goer ever since, then you already know at least in your mind the possible parties you are attending every year. If this is the case, make a list of parties to make also your preparations ahead of time. This can also save your effort and the possible stress and worries you will undergo. If you are a regular Halloween party attendee then matching one of the Halloween wigs for a perfect outfit or costume will not be hard for you anymore.

Trust your fashion statement. It is actually fine if you like experimenting to different styles. The important thing is you are able to carry the fashion you created. Confidence can make a lot of difference especially in wearing your costumes and definitely portraying the character you chose. Say, a gruesome witch. You will definitely be wearing a dirty and filthy witch costume. Your hair will be a total mess or you can wear a Halloween costume to save hair accessories and gels. If your esteem is low you will end up a real witch hiding in one corner.

The catch is that, one should not be afraid to show her own style and fashion. We should understand that our fashion statement represents on what a person we are. We are artistic and definitely creative to let the partly continue with fun and joy until it ends.

Income Tax Preparation

Income tax preparation is an important aspect of everybody’s life. Each April 15th, United States citizens scramble to get their tax return preparation completed in time for the deadline. In order to make income tax preparation easier, there are many tools available to help make the process smoother. Free income tax preparation and online income tax preparation are methods that are readily available to help make tax season a bit easier.

Free income tax preparation is often available as an incentive for refund anticipation loans. A tax specialist will analyze your finances and prepare your taxes. If it is determine you are entitled to a refund, they take a percentage of that refund.Consequently, the tax preparation service makes money, but not until your refund comes through. There is no out-of pocket expense to you, plus you get the added assurance that your tax preparation is done thoroughly and accurately.

Online income tax preparation is available at many locations to assist you with your filing. The income tax preparation software usually consists of an easy-to-use interface which asks a series of questions. You will answer each question then move to the next screen. Some questions will not be applicable to your particular situation so you will choose the “not applicable” option and continue. The professional income tax preparation software thinks of everything for you. You do not have to be familiar with tax laws or the complexities of tax preparation. Instead, the software will cue you to the possible deductions you may be allowed to take.

Simply answer all the questions on the tax preparation software as completely as you can and your tax refund or payment will be automatically calculated for you. You will then have the option to print out the forms for your signature and submission. If you choose this option, print all the necessary forms that the tax preparation software informs you that you will need. Sign all the forms where appropriate, and attach any supporting documentation. Most income tax preparation software will generate a checklist that you can use to ensure all supporting documentation and forms are properly enclosed.

Many online income tax preparation software systems have electronic submission capabilities. This way, you can file all the necessary tax paperwork without having to go to the post office to wait in long lines. This is especially useful when it gets closer to the tax deadline and many people are rushing to get their taxes posted. The lines can be outrageous and being able to file your return from the comfort of your own home is much more convenient.

Tax preparation help can be found on numerous websites and at the Internal Revenue Service website. If you have a question about the proper way to complete your tax preparation or what forms to file, the Internal Revenue Service website is a great place to look for tax preparation help. Income tax preparation software also often has available tax help files and links for resources.

Tax preparation services are another useful option for tax preparation. Tax preparation services can often be found in kiosks in shopping centers or malls as well as in stand-alone offices. Tax preparation services work for a fee, but they hire highly skilled accountants and tax specialists who will know exactly how to most effectively prepare your taxes to get the maximum amount of deductions. The person who prepares your taxes will walk you through a series of questions and will possibly ask to see certain types of documentation. This process will assist them in developing the most thorough and accurate tax return possible.

Federal and state income tax preparation can often seem like a daunting task. Free tax preparation is available for those who are concerned about their budget. Any fees that are applicable are generally deducted from your refund so there are no up-front costs. Online income tax preparation is available for those who want the convenience of preparing and filing taxes online. You can avoid the long lines and hassle of the post office by choosing this option and you can generally get your refund, if there is one, directly deposited into your checking account. Income tax preparation services are also available at a fee, and are generally used for more complex tax returns. All options are readily available and easy to use. Any of these options will make your tax preparation much easier and less stressful.