Category Archives: Insurance Definition
Acupuncture is an Example of Holistic Healthcare
Acupuncture is an Example of Holistic Healthcare
Holistic healthcare by definition is being able to cure an illness through the use alternative means. This means no medication is given to the patient and an instrument like a bunch of needles could do the trick.
Acupuncture has been around for than 2000 years. It is only recently that this holistic form of healthcare has reached the US. Studies have shown that it can treat minor problems and prevent some from happening.
The needles used in acupuncture are very thin but thicker than the human hair. This makes it smaller than those used on hypodermic needles.
Most patients that undergo acupuncture will not feel any significant change after one session which is why a few sessions are needed. Best of all, it is painless so your body will not feel sore afterwards.
Several studies have been conducted about acupuncture and there have been positive results. For instance in the UK, 400 participants who were suffering from migraines claimed they felt better after 3 months worth of sessions.
In the US, acupuncture has also proven to be effective in helping people deal with arthritis because the needles help the body fight against this chronic illness that is much cheaper and more effective than conventional medicine.
Acupuncture can do more than just helping patients deal with arthritis or migraine. Clinical tests have shown that it can help obese people lose weight and those who are suffering from insomnia.
In some countries, acupuncture has even been used to replace chemical anesthesia prior to surgery as there are some patients who are not able to tolerate regular anesthesia.
Another field which acupuncture has proven to be effective is helping patients deal with their addictions such as alcohol, drugs and smoking. One study of smokers revealed that the average patient will cut down by half the number of cigarettes they consume after just one treatment. Just imagine the potential after a few more sessions!
This has resulted in the establishment of clinics nationwide that only use acupuncture as the means of rehabilitation.
Acupuncturists in the US charge from to 0 per session. This usually gets lower in the succeeding treatments. The person will probably have to undergo 10 to 15 treatments 2 to 3 times a week but this really depends on the condition of the patient.
Before you go to one, you should check if this is covered by your insurance. If it isn’t, perhaps you should suggest that it should be included as it is much cheaper than having to undergo surgery.
Although there are risks if you decide to go undergo acupuncture, these can be avoided as long as the one doing it is a licensed professional who makes sure that the needles used are sterilized before they are inserted into the body.
These days, a lot of people in the medical field have accepted the fact that alternative medicine such as this can also help the patient which is why they may refer someone when it is needed.
So, if you are tired of experiencing the side effects of conventional medicine and want to try a holistic form of healthcare, why don’t you see what acupuncture can do for you? It is painless and cost effective. In fact, it is just one of many you can try to help treat a chronic condition.
Use This Advice To Solve Your Financial Problems
Use This Advice To Solve Your Financial Problems
Most people don’t like thinking about their finances. If you know what to do, however, thinking about how to improve your finances can be exciting and even, fun! Learn some simple tips for financial management, so that you can improve your finances and enjoy yourself while you do it.
Keep a journal of your expenses. Keep your receipts and your bills, as well as, your pay stubs. Taking track of your expenses is a good way to eliminate certain unnecessary expenses. You should think about hiring an accountant if you need help with keeping track of your records.
If you are behind, as many are, when it comes to saving for retirement, get in gear and start catching up. Adding a little extra than you normally would to your retirement plan, can catch you up faster than you think it will. Especially, if it concerns your 401k, because your employer will match a certain percentage of your contribution.
Create a budget that prioritizes your spending, with bills and other necessities like groceries at the top. If you need to replace a major appliance or other item like a bed, this should go next but isn’t as urgent. Also, don’t spend too much on going out to eat or other unnecessary things.
Join an online forum for people who are trying to improve their personal finances. By spending time with others who have the same goals as you do, you will be able to get support for the times when you aren’t sure what to do or when you have tough decisions to make.
Check your credit report on a regular basis to make sure that nothing is hurting your credit. Each of the three major credit agencies is required to give you a free credit report once per year. By spacing out your requests, you can get a free credit report every four months.
Cable TV is considered a necessity by many families, but it really is an optional expense, and usually comes at a high monthly cost. Over-the-air TV is free and you can get it in high-definition. Other options for movies include, subscriptions like Netflix, websites like Hulu, renting from Amazon, or wireless set-top boxes like Roku or Apple TV. Chosen judiciously, these options could save money over cable.
Do your best to keep a good credit score. Pay all your bills on time and pay a little more than the minimum account. Avoid making too many credit inquiries, or have different insurance companies or banks run your credit within the same week to avoid hurting your score badly.
Cut your monthly shopping bills by keeping a list. Whenever you want to buy something that is not an absolute necessity, write it on your list and wait a day or so. If you still want to make the purchase, and it fits within your budget, go ahead. By waiting, you can help put a stop to impulse purchases.
As you can see, finances don’t have to be boring or frustrating. You can enjoy dealing with finances now that you know what you are doing. Choose your favorite tips from the ones you just read, so that you can begin improving your finances. Don’t forget to get excited about what you’re saving!
Use These Personal Finance Tips To Get Ahead
Use These Personal Finance Tips To Get Ahead
Now more than ever people are taking a deeper look into their finances. Everyone needs a way to spend less and save more. This article will take you through several options for ways that you can tighten the purse strings a little bit and come out better each month.
Install a programmable thermostat. This will allow you to set your heater or air conditioner at a constant temperature, or change temperatures throughout the day when you aren’t at home. This has proven to cut down on utilities and can save you up to 0 on your gas or electric bill each year.
No personal financial plan is complete without a long term goal for future financial security. Developing a program to contribute to a retirement savings plan will provide you with peace of mind and the confidence that you will be able to enjoy life after your retirement. Set a goal and stay with it.
Eat out less often. By making dinner at home and eating there instead of at various restaurants, you can save quite a bit of money. Restaurants charge quite a bit, and you can have the same thing at home for a lot less money and a lot less calories.
Cable TV is considered a necessity by many families, but it really is an optional expense, and usually comes at a high monthly cost. Over-the-air TV is free and you can get it in high-definition. Other options for movies include, subscriptions like Netflix, websites like Hulu, renting from Amazon, or wireless set-top boxes like Roku or Apple TV. Chosen judiciously, these options could save money over cable.
If you want to save money on insurance, increase the deductible. Most insurers get irritated with people who turn in low claims anyway, which means that they are more likely to charge you more after you submit something to them. They may even decide that they don’t want to have you as a client anymore.
Do not use the ATM. It is too easy to forget how much money you are spending, when you are withdrawing and paying with cash. Instead, make yourself a budget and use your credit or debit card, so that you can track your expenditures. You will find that you spend much less this way.
Always make sure you are saving at least some money. Even if you can only put one dollar each paycheck in savings, the act of saving something can inspire you to save more next time. As your savings gradually grow, your sense of accomplishment will also grow and create a feeling of satisfaction.
Pay yourself on a regular basis. Any time that you make any money, put a certain amount away in a savings account. If possible, have the money automatically deducted from your paycheck, so you don’t even see it. After a while, the money will really build up and you will have a healthy nest egg.
Taking control of your personal spending and saving habits is a good thing. It’s times like these that we are reminded of what is really important and how to prioritize in life. The ideas presented here are ways that you can start to focus on the important things and less on the things that cost you needless money.
Get The Most From Your Home Business
Get The Most From Your Home Business
Operating a home business can be both exciting and frustrating, with several things that are new to you as you get started. If you want to get the best start possible, then you want the best tips possible. These home business tips could take you a long way towards understanding home business and what is involved.
Get an accountant. If you are great with your business, but horrible with records and money, having an accountant do the work for you can make tax season much easier for you. Knowing you have someone experienced with the system can really lessen the stress of the season, and give you backup in case of an audit.
Constantly look for better deals on all your business expenses. You are in charge of every detail related to your home business so you should always be aware of how much money you are spending. Find the best prices by comparison shopping on a regular basis. The small expenditures add up over time.
Ensure that your home business is properly insured, by discussing the business with an insurance agent. You should also make sure that your home business complies with local zoning laws and city ordinances. You don’t want to start a dog care business, if there is a limit to the amount of animals you can have on your property.
Know the risks before you start your home based business. Some of the possible risks include zoning issues, state and local tax issues, time management issues and, of course, your own financial risk. You must be sure to research these areas in relation to your specific location, lifestyle and business type in order to avoid common small business problems.
Never spam your home business out to the world! Don’t send unsolicited emails, don’t post advertisements on forums (unless they permit it), and don’t send your link out ad nauseum on your social media accounts. Be respectful of your audience and entice them to come to your website because of it’s content.
Only promote products you believe in 100%. Find manufacturers that have the type of policies and values you can comfortably stand behind. When you spend a lot of time, money, and effort to build a business and promote products, your belief in those products comes through in every thing you do.
A good home business tip is to keep any and all receipts related to your business. Keeping receipts is very important because you’ll need them as proof when it comes time to do your taxes. You’re going to need proof for every single deduction you take that’s related to your business.
Don’t be afraid to make progress and even skip a step. The people I consider the most successful (by my definition which includes, enjoying their work, earning a good living, feeling happy and accomplishing lots of life goals), do not wait for permission from anyone to pursue their opportunities.
Home businesses take a great deal of effort to reach success, as you are taking on a business of your own out of your own home. The marketing and operations are up to you, and so are the many responsibilities that are included. Utilize the tips offered from this article in gaining a better stance in home business today.
The Shameful Secret of Illiteracy in America
The Shameful Secret of Illiteracy in America
The word is not just a sound or a written symbol. The word is a force; it is the power you have to express and communicate, to think, and thereby to create the events in your life.
– Don Miguel Ruiz
One New Jersey woman, “Maria,” read at a third grade level. She held a job and fudged her way through everyday tasks without reading. When she would go to a restaurant, she would order what she knew was on the menu – a hamburger, salad or grilled chicken – or point to someone else’s plate at the next table and ask “for what he’s having.” Maria even went so far as to keep her illiteracy a secret even from her husband of ten years. Because she could not read the mail, she would pretend that she forgot her glasses at work or say that she had been too busy to open the mail and ask her husband to do it. One day, they were walking past a shop window with a sign in it. As they looked at the display, the husband suddenly realized that his wife could not read. Maria was embarrassed and humiliated. But she sought help and now reads, works on a computer and teaches others to read.
In 2002, before the Subcommittee on Education Reform Committee on Education and the Workforce, United States House of Representatives, actor James Earl Jones testified: “92 million Americans have low or very low literacy skills – they cannot read above the 6th grade level. To be illiterate in America – or anywhere for that matter – is to be unsafe, uncomfortable and unprotected. For the illiterate, despair and defeat serve as daily fare. Can any of us who do know how to read really understand the sadness that is associated with the inability to read? Can we truly relate to the silent humiliation, the quiet desperation that can’t be expressed, the hundreds of ways that those who cannot read struggle in shame to keep their secret? The struggle out of illiteracy … is still a part of the story of America.”
Today, our nation faces an epidemic that is destructive to our future. The disease is functional illiteracy. According to the most recent National Assessment of Educational Progress (NAEP), it has overtaken one-third of America’s children by the fourth grade – including two-thirds of African-American students and almost half of all children in the inner cities.
The basic definition of literacy is the ability to read and write. So the basic definition of illiteracy is the inability to read and write.
Beyond the basic definitions, there is significance in the shocking statistics about the functionally illiterate. What illiteracy means is that millions may not be able to understand the directions on a medicine bottle, or be able to read their telephone bill, make correct change at a store, find and keep a job, or read to a child.
Illiteracy has long been viewed as a social and educational issue – someone else’s problem. However, more recently we have come to understand the economic consequences of the lack of literacy skills for America and American business.
Illiteracy has a significant impact on the economy. According to Nation’s Business magazine, 15 million adults holding jobs today are functionally illiterate. The American Council of Life Insurance reports that three quarters of the Fortune 500 companies provide some level of remedial training for their workers. And, a study done by the Northeast Midwest Institute and The Center for Regional Policy found that business losses attribute to basic skill deficiencies run into the hundreds of millions of dollars because of low productivity, errors and accidents.
In addition, as reported in the 1986 publication entitled Making Literacy Programs Work: A Practical Guide for Correctional Educators (for the U.S. Department of Justice, National Institute of Corrections), one-half of all adults in federal and state correctional institutions cannot read or write at all. Only about one-third of those in prison have completed high school.
Evidence indicates that the problem begins at home. A National Governors’ Association Task Force on Adult Literacy reported that illiteracy is an inter-generational problem, following a parent-child pattern. Poor school achievement and dropping out before completing school are commonplace among children of illiterate parents.
The reasons for illiteracy are as varied as the number of non-readers. The adult non-reader may have left school early, may have had a physical or emotional disability, may have had ineffectual teachers or simply may have been unready to learn at the time reading instruction began.
Because they are unable to help their children learn, parents who can’t read often perpetuate the inter-generational cycle of illiteracy. Without books, newspapers or magazines in the home and a parent who reads to serve as a role model, many children grow up with severe literacy deficiencies. Clearly, there is no single cause of illiteracy.
Adults have many reasons for requesting reading help. Many are prompted by the need for increased levels of literacy in their jobs. Others may wish to read to a child, read the Bible or write to a family member for the first time. All express a hope for a better quality of life through higher levels of literacy.
According to Barbara Bush, “It suddenly occurred to me that every single thing I worry about – the breakup of families, drugs, AIDS, the homeless – everything would be better if more people could read, write and understand.”
Let us all do what we can to make illiteracy not a part of the story of American today but a part of America’s past.
Have Whiter Teeth With These Tips (2)
Have Whiter Teeth With These Tips
These days more and more people want to have white teeth; and why not? With high definition cameras and the popularity of social networking, you are exposed more than ever. This article will provide some sensible information about teeth whitening. There is a lot that you can do to make a difference.
A teeth whitening solution that you can make at home is with salt and baking soda. Mix the two together and scrub your teeth with the solution. The mixture acts as a cleanser and kills off the plaque-causing bacteria that can discolor your teeth!
Instead of paying for expensive home teeth whitening systems that may or may not work as well as you expect, check into a professional whitening service provided by your local dentist. Many times, dentists may offer deals on this at certain times of the year and your insurance may even pay for a portion of the cost.
To get your teeth whiter at home, you can use an orange peel. The ingredients that make up an orange are good for removing discoloration from the enamel. To use this method, simply peel the orange and rub the peel on your teeth for at least 3 minutes. You can then spit it out.
Make sure you regularly brush your teeth. You should make sure you brush your teeth at least two times a day, once in the morning and at night. More importantly, you should make sure you are properly brushing. This will help avoid a buildup of plaque and will help keep your teeth white.
Buy a tooth whitening product that contains about 15% of the whitening agent. Too little of the whitening chemicals and the product will be ineffective. Too much, and your mouth may become irritated by the harshness of the chemical. Try out a mid-range product; if you tolerate it well and you aren’t getting good results, then move to a higher concentration.
Don’t go overboard with whitening products. It’s very easy to overuse whitening products so your teeth will be whiter. You want to avoid using them too much because they can be damaging to your teeth and gums. Some of these products can eat away at the enamel on your teeth, leaving them with a translucent look.
Avoid using mouthwashes that contain alcohol or have coloring added to them. These colorings are known to have a staining effect on your teeth. The chemicals that they use are also not good for you. One well known mouthwash has been known to stain your teeth a brownish color.
Hydrogen peroxide is another alternative that you can use to brush your teeth. The peroxide oxidizes your teeth upon contact and can remove states. Most hydrogen peroxide you buy in stores will already be diluted, but you can dilute further, by mixing 2 tablespoons of water to every tablespoon of hydrogen peroxide. If you do not like the taste of the peroxide, substitute a sweet tasting mouthwash for the water.
In conclusion, you want to look your best at all times and having yellow stained teeth has a major negative effect on your appearance. Take the time to try out this outstanding advice on how to keep your teeth looking great. You can achieve remarkable results.