Affordable Health Insurance for the Unemployed

Affordable Health Insurance for the Unemployed

Being unemployed can be a financial downside to say the least. You may be dependent on someone else to cover your daily expenses such as a place to live and food to eat. Health insurance is something that everyone needs and not enough people have available because of these other financial burdens. Any emergency such as a car accident or broken bone will require adequate medical assistance. What do you do when you don't have insurance and can't afford expensive medical bills? If you are unemployed, you need to find health insurance to prevent this from happening.

COBRA is a law in which many people could be eligible to remain on an employer's health insurance plan even after they lose their employment. The most ideal person for this coverage is someone who is between jobs and is not in need of long-term help. It can last at least a year to those who qualify, but the premium amount is still an expense that some unemployed individuals may not be able to take care of with their lack of income. If you are able to pay the premium and are eligible, COBRA will also cover your spouse and children who are dependent on you for insurance. The best way to determine if you could receive health insurance is to contact your local employer's benefits department and fill out the required forms.

You can also shop around for typical health insurance. Many free Internet services are proven reliable by the Better Business Bureau Online. By speaking with one of these insurance experts, you can get help finding the most affordable health insurance that will fit your specific needs. They know the rates of thousands of insurance companies and can fix you up with appropriate coverage for your specific needs. If you have a spouse or children, having health coverage is a necessity. Life is full of unexpected events and you cannot ensure that everyone will stay completely healthy until you have insurance again because accidents do happen. Finding an affordable coverage rate on your own can be a hassle. The experts at these companies are offering their assistance to you, often as a free service. Whether you need to find something short-term or for an extended period, they are qualified and dedicated to helping you.

If you find yourself unemployed at any time in your life, you are probably without health insurance. This can be a nightmare whether you have a family or not because medical expenses can put you into debt quickly. Luckily, there are ways of finding affordable coverage providers that can keep your health, as well as your finances, safe. A simple doctor visit can cost you significantly more money than it would with insurance. Do not let yourself become one of the many people who are unfortunately living life without proper insurance coverage.

Law Of Attraction: The Driving Force Behind All Success And Failure

Law Of Attraction: The Driving Force Behind All Success And Failure

First of all, I hope you're having a fantastic day. I know you've had some really good things happen in your life already today. I also realize there's a good chance you've been a little bruised and banged up by life's ups and downs.

What can I say: life happens.

But to leave it at that and not probe deeper into the mystery of yourself?

That's a mistake.

It's a mistake because whether you realize it or not, you're constantly creating your l...

First of all, I hope you're having a fantastic day. I know you've had some really good things happen in your life already today. I also realize there's a good chance you've been a little bruised and banged up by life's ups and downs.

What can I say: life happens.

But to leave it at that and not probe deeper into the mystery of yourself?

That's a mistake.

It's a mistake because whether you realize it or not, you're constantly creating your life. Take it or leave it...that's how it is.

To better understand this, let's look at a principle taken directly from the 'Limitless Wealth Success System'

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"He ceased to fight for anything, knowing, as he looked back over his life, that resistance and resentment create an energy which is always destructive and that it is far better to let go of everything which can be held only under the "Law of Force" and use the energy toward creating something else under the "Law of Harmonious Attraction."

He Ceased to Fight for Anything

My partner Laura and I had an animated discussion about this the other day. Look, this is a warring universe. Not only are nations at war around the globe all the time, but positive and negative energies themselves are always in conflict with one another.

So the point I was making is this: you have not only the right but also an obligation to defend and preserve your home, the safety of your family and even your personal space.

You have to set the rules on how people can and can't treat you. If you don't, then the people who are driven by power without love will certainly walk all over you.

At the same time, what Laura focused on was so important I knew I had to share it with you - because it's about the Law of Attraction working in your life. She said this to me:

When life doesn't appear to be going 'your way', don't get angry and resentful. All that does is magnetize you to more of the same (remember: the goal is to attract into your life more of what you do want).

If your wife, your husband, your children or your boss..if anyone in your life does something that hurts you or invades your space, by all means 'establish yourself' and let them know what's acceptable and what isn't.

The Dual Nature Of This World

But you have to leave it at that. If you continuously focus on the dual nature of this world, you'll only experience anguish, frustration and ultimately...failure.

(By the way, Law of Attraction is at work all the time! As I'm writing this, I decided to take a break for a minute and check email. I received three messages and one was titled, "Livan War real pictures". And I'd just finished saying that this was a 'warring universe!')

Frustration, fear, resentment and feeling like everyone is out to get you - these will all be very real experiences for you if you keep your attention on them and harbor these negative energies inside yourself.

So to start working with the Law of Attraction more proactively, here is what I'd like you to do: for the next few days, practice relaxing.

If something seems to 'go against you', I want you to tell yourself, "this is really working in my favor. I may not know how or why, but I believe it will lead me to better things. Say this as many times as you have to.

Tell yourself, "this is really working in my favor. I may not know how or why, but I believe it will lead me to better things."

Eventually, belief and faith will turn to knowingness...you'll know with certainty that you are powerful, you are on your way to having massive success, and, most importantly: your efforts are supported by life.

* You are powerful.
* You're on your way to having massive success.
* Your efforts are supported by life.

Benefits of Fish Oil for Fitness and Health

Benefits of Fish Oil for Fitness and Health

When the words oils and fats are mentioned, health-conscious individuals tend to run for cover. What they fail to realize is that there are good fats and bad fats. Complete avoidance of intake of oils and fats would actually be detrimental – rather than beneficial – to their health.

The Truth about Fish Oil
Essential fatty acids must always be part of our daily diet – without them, we take one step closer to our deaths. Essential fatty acids are divided into two families: omega-6 EFAs and omega-3 EFAS.

Although there are only very slight differences to distinguish the two groups of essential fatty acids from each other, studies have revealed that too much intake of omega-6 EFAs can lead to inflammation, blood clotting and tumor growth. The good news, however, is that the opposite is true for omega-3 EFAs. Omega-6 EFAs can be found in vegetable oils while omega-3 EFAs can be found in fish oils among other foods.

Omega-6 vs. Omega-3
Physicians and scientists are of the same opinion that the cause behind increasing cases of heart disease, hypertension or high blood pressure, obesity, diabetes, premature aging and certain kinds of cancer is none other than an imbalanced intake of omega-3 and omega-6 EFAs.

As mentioned earlier on, omega-6 EFAs can be found in vegetable oils. This includes but is not limited to corn oil and soy oil, both of which contains high amounts of linoleic acid. Omega-3 EFAs on the other hand can be found also in marine plankton and walnut and flaxseed oils. It should be significant to take note that fatty fish and fish oils contain eicosapentaenoic acid (EPA) and docosahexaenoic acid (DHA), fatty acids that have been observed to provide many benefits to the human body. In the early 1970’s, a study on Greenland Eskimos have revealed that one of the major reasons why they rarely suffer from heart diseases is because of their high-fat diet (mainly composed of fish).

The two essential fatty acids, EPA and DHA, are also helpful in preventing atherosclerosis, heart attacks, depression and various forms of cancer. Fish oil supplemented food have also proven to be useful in treating illnesses like rheumatoid arthritis, diabetes, Raynaud’s disease and ulcerative colitis.

Other Benefits of Fish Oil
There are a lot more illnesses and situations in which intake of fish oil has proven to be significantly beneficial.

Making the Heart Healthier
The heart is inarguably one of the most important parts of our body and having an unhealthy heart means having to suffer a rather limited lifespan. Naturally, it’s in our best interests to keep our hearts happy and healthy and one way of doing that is eating food that contains fish oil.

In Athens, Greece, for instance, a study was made to show if there was a direct relationship between high fish diet and inflammation of blood vessels. The results revealed that those who ate more fish than the others had a lower level of C-reactive protein and interleukin-6, factors that are commonly used to measure likelihood of blood vessel inflammation. These benefits remained even when the various risks associated with high fish diet were taken into account.

Fish to Become Thin
In Perth, Australia, a study had revealed that fish consumption can be used against hypertension and obesity. Researchers of the UWA (University of Western Australia) have discovered that a weight-loss diet which includes a regular amount of fish consumption can be quite effective in reducing blood pressure and improving glucose tolerance.

Fish Oil to Combat Asthma
People suffering from respiratory problems like asthma tend to be perceived as unfit and unhealthy. They should now be pleased to learn that certain studies have revealed the benefits of fish oil for asthma-burdened-individuals. Statistics show that approximately 20 to 25% of children today suffer one form of asthma or another at a certain point in their lives. And certain evidence reveals a regular diet of food with high linoleic acid content as the reason behind it.

Researchers of UW (University of Wyoming) conducted a study by subjecting a number of children to a high-fish diet while others continued with their regular diet. Results revealed that the participants who ate more fish were less prone to asthma attacks and were able to breathe more easily as well.

Consult Your Nutritionist Now
Nothing is good when consumed or used excessively but complete avoidance of a particular food type is equally harmful as well. Ask your nutritionist for the right amount of fish intake for your age and health status.

Advantages to Managed Care Plans

Advantages to Managed Care Plans

There are many different types of Health insurance plans out there. Picking the right one for yourself can be troublesome in the beginning, especially if you don't know what you are looking for. You might have trouble deciding which one would be better for you.

Health insurance is divided into two large categories-indemnity and managed care plans. Indemnity plans, also commonly called reimbursement plans, will reimburse your medical expenses up to a certain limit. Under the Reimbursement plan, the insurer pays a percentage of the total charges, regardless of how much the charges are. With the indemnity plan, the insurer will pay a specified amount every day for a specified number of days. The amount reimbursed does not rely on the cost of medical care, but what you are reimbursed will never exceed your expenses.

The other popular type of health insurance plans is managed care plans. The three types of policies categorized as managed care plans are HMOs, POSs, and PPOs. This type of insurance is more popular than the indemnity plan, as they offer more flexibility. With these types of options you either pay a monthly fee no matter how many times you see a doctor, or pay a co-payment but no monthly fee. With managed care plans, you are given options of care. The plan you choose and the amount of money you wish to pay determines how big of a network of doctors and specialists you can see and still be covered under the plan. Some managed car plans (most often PPOs) offer sponsorship programs from a network of hospitals and medical services. You can often get this kind of plan through your employer.

Managed healthcare plans are better for the average person due to the fact that they are more cost effective. While indemnity plans may give you a lot more freedom in cost, you will have to use the healthcare provider that the insurer chooses. If you have a specific disability, this can present itself as a problem. In the long run, a managed care plan will save you money, especially if emergencies arise when you are out of town. These types of plans also are more flexible in policy. Before you purchase any kind of health insurance, be sure to research the many options available for you and your family to ensure you receive the best coverage possible for the lowest monthly premium or deductible.

Law Of Attraction: Expect What You Want

Law Of Attraction:  Expect What You Want


One of the most important steps in consciously using the Law of Attraction is learning to change our expectations.  Why?  Because the Universe delivers exactly what we expect to see.  Our expectations are formed on the foundation of our existing beliefs.

If we believe ourselves to be lacking financially, we will expect to see a bigger proportion of bills than income - and the universe delivers.  If we believe we are sick, overweight or weak, we expect to feel pain and fatigue - and the universe delivers.  If we believe ourselves to be unworthy of love, we expect not to be loved - and guess what the universe delivers?

Think back to the experiences you've had in your past and ask yourself if you got what you were expecting.  Have you ever uttered statements like these?

I just can't get ahead!
I'm so sick of struggling.
Everything always goes wrong for me.
If it wasn't for bad luck, I'd have no luck at all.
This is too good to be true, something's going to go wrong.

Words like these are actually self-fulfilling prophesies.  You are, in effect, placing your order with the universe at the moment you begin feeling the feelings behind the words (yes, even before you SPEAK the words!).  The universe doesn't care what words you use, it pays attention to your vibrations - the energetic signal you're sending out.  That signal is formed by your beliefs and expectations.

So how do we change our expectations?  Is it possible?  Absolutely!

One of the most powerful things you can begin doing is consciously expecting the best.  Throughout the course of your day, take a few moments to pause and expect something wonderful.  Say to yourself, "Today is going to be a great day!"  Try to find the positive expectation in every experience.  If your boss asks to speak with you privately, rather than expecting him to reprimand or fire you, expect him to praise you and give you a pay raise!  Rather than expecting to see bills in your mailbox when you get home, expect to see a check.

The more you can keep this feeling of happy expectation in your heart, the more often you will see results that directly mirror your expectations.

Does it sound unbelievable?  Far-fetched?  Try this little experiment:

Before leaving your home one morning, say to yourself, "Sometime today I will see the image of a bumblebee (or any image you choose - it should be something you wouldn't ordinarily see during your daily activities).  I choose to attract this image into my awareness, and it will jump out at me so I don't miss it.  I KNOW I will see this bumblebee, and that will prove to me that my expectations DO affect my experiences."  As you speak these words, infuse them with power and conviction!  Believe with all of your heart that you will indeed attract this image to yourself.  Then let go of it and continue with your day like usual.

If you don't see the image you've chosen, you know you didn't put enough power and faith into your expectation!

The first time I tried this experiment, it didn't work for me.  Looking back, I'm aware that I didn't really BELIEVE I would see a bumblebee.  I hoped I would, but I was doubtful.  Still, I decided to try again the next day.  That's when I really energized my expectation with unshakable faith and conviction.  I was DETERMINED to see a bumblebee sometime during my day, and I wouldn't accept any other outcome.  Boy did I get what I asked for!  All that day, I saw bumblebees wherever I went.  Bumblebee logos on passing trucks, references to bees mentioned on the radio, a cashier wearing a bumblebee pin when I did some shopping, and my husband watching a television special on bees when I got home!

Once you begin to see that you can influence your experiences even in small ways, imagine the sense of empowerment you'll feel when you decide to expect something better in the bigger aspects of your life.  Try it, I think you'll be pleasantly surprised!

Benefits of Liquid Vitamins

Benefits of Liquid Vitamins

Vitamins and minerals can be absorbed by the body in a number of ways. They first enter our body through the food we eat. Secondly, we can take vitamin supplements to increase the amount of pertinent vitamins and minerals. There are different methods of taking medication and one of the most common methods is absorbing it in its liquid form. Do the advantages of liquid vitamins far outweigh its disadvantages – if there are any? Read on and find out.

Better or Easier Absorption for Kids
Although liquid vitamins may taste worse than vitamins in flavored, chewable tablet forms, they are however easier to absorb. There are numerous cases in which children have problems with choking, breathing and swallowing simply because of their inability to absorb medication or vitamins in this form.

This is the same problem as well for adults who have lost their ability to control their jaws or are unable to digest anything that is not in liquid form.

Liquid Vitamins are More Effective
Because of its form, liquid vitamins can be assimilated immediately into the blood stream for a more systemic administration of the vitamin and its average absorption rate is approximately 90 to 98%. It is also three to five times more concentrated than vitamin pills and this lead to higher bio-activity and greater therapeutic benefits.

The Link between Antioxidants and Liquid Vitamins
Have you ever wondered whether or not liquid vitamins contained oxidants as well? Vitamins E, C and A are examples of antioxidants and they are commonly found in vitamin supplements but what about liquid vitamins?

And the answer is an absolute YES. Liquid vitamins must in fact contain such antioxidants or they’ll prove to be ineffective compared to other vitamins. Remember that the most important of all antioxidants – Vitamins A, C and E – are not internally produced by the body so they must be a regular fixture in our diet. Antioxidants are our main defense against effects of damaging oxidation reactions. Antioxidants are our best weapons against suffering from any form of cancer. Without it, we are basically weaker and less healthy.

Liquid Vitamins versus Digestive Acids
One reason why people refuse to acknowledge the benefits of liquid vitamins is because of the supposed destruction by digestive acids of any vitamin or mineral that it does not recognize as part of the process of digestion. The opposite is, in fact true. Our digestive system actually prefers or is able to better absorb liquid vitamins and minerals rather than those made in pill or capsule form.

A vitamin pill or tablet has to be digested completely before it can benefit the human body. It must be broken down into absorbable nutrients or only up to thirty percent of it will be absorbed by the human body. Liquid vitamins however provide a better and easier solution for the digestive system. Because it does not depend in any way on mechanical digestion, an estimated 90% of it can be absorbed directly by the body.

It’s vital to remember that digestion does not mainly function to destroy vitamins and minerals but rather to transform them into substances it can use to improve the general constitution of the body.

Liquid Vitamins: Toxic or Not?
Another problem posed is the amount of colloidal minerals found in liquid vitamins. Are they harmful or not?

In truth, even plants and fruits contain a trace of such minerals in them. Apples, for instance, contain 3-5 mg of aluminum as it’s one of the most abundant elements that can be found in the surface of the Earth. But do you hear anyone telling you that apples are dangerous to your health? On the contrary, what we are more likely to hear is that an apple a day keeps the doctor away.

And so it must be with liquid vitamins as well. Containing a slight amount of colloidal mineral doesn’t mean it’s bad for our health right away. Colloidal minerals, are above all else, naturally occurring elements and can not therefore be avoided.

You Have a Choice
At the end of the day, however, it’s still up to you whether or not you wish to take vitamin supplements in liquid or solid form. What really matters is what you prefer and which will ultimately work better for you.

Advantages to Indemnity Health Insurance Plans

Advantages to Indemnity Health Insurance Plans

Indemnity health insurance plans are more regularly known as traditional health insurance plans. These health insurance plans can be costly but often cover most health problems that may arise, while other insurance plans exclude some illnesses or diseases from their coverage. Some disadvantages to indemnity plans are that they do not usually cover preventative health care like physicals, and traditional health insurance plans often cover only a percentage of your bill. Research the advantages and disadvantages to indemnity health insurance when you are considering health insurance options.

While the disadvantages may seem problematic, there are many advantages to indemnity health insurance plans. You may have a higher monthly premium and you may need to pay upfront costs and submit claims paperwork, but your deductible will be more manageable and your coverage will be wider. Some health insurance plans will not cover certain medical expenses or care, but indemnity plans often do.

Another benefit of indemnity health insurance plans that many people desire is the freedom to choose your own physician. While other health insurance plans offered by the insurance industry limit your choice of physicians and hospitals to a list of preferred providers, indemnity insurance will cover any physician or hospital. This benefit may seem unworthy of mention, but there has been more than one instance where a mother finds that her son or daughter's pediatrician is not in their preferred provider network and has to search for another pediatrician. This also means that you can see a specialist without having to consult with your primary care physician first.

Overall, indemnity health insurance plans also offer you the best emergency medical coverage in the industry. While preferred provider organizations (PPOs) or point-of-service (POS) plans limit the physician you can see to a list of network physicians and hospitals, the freedom of choosing any physician is nationwide with indemnity health insurance plans. This means that if you are traveling across the country and have an accident or a medical emergency, you can go to the nearest hospital or see the closest physician without worrying about the expense. There have been instances where hospitals or physicians will either refuse to treat patients or treat them only minimally because the hospital or physician is not inside the plan's preferred provider network - meaning that the patient's health insurance will only cover a small part of the expense and the patient is liable to pay the rest of the bill. This is a risky financial situation for the physician and/or hospital since patients are often unable to fully pay costly medical bills. With indemnity health insurance plans, this is almost never the case. Consider this and the other benefits of indemnity health insurance when choosing the plan that is right for you.