Keeping Your Personal Health Insurance Rate Down

You may be shelling out much more than the average premium for health insurance in your city may be very different. Your health care insurance coverage and its rate are impacted by many different factors. Some factors . you are able to influcence and some you don't.

The significant factors that affect your price for individual healthcare care coverage are:

when you were born
your sex
your town
your smoking status
pre-existing conditions
your bmi
your chosen company
your choice of plan
Age and Your Sex

Your age and your gender are major factors that may effect your payments for healthcare cover. As we have birthdays the statistical probability that we will need health care. Females carry most of the burden of reproduction, females visit health care care providers more frequently than men during their teens through their fifties.

Your location
Your area can impact the cost of your medical care coverage. As a general rule, the more affluent the city, the more doctors will charge. This impacts the amount of costs the coverage carrier pays for and of course these bills are passed on to their clients who reside in those locations.

Tobacco Status Most individual health insurance coverage carriers will charge more if you have used tobacco in the last year. Cigarette smoking has a tremendous influence on your need for medical care and because of it the costs a health care coverage company has to pay. Now you have one more reason to stop!

Health Status and body weight Your medical history and your body mass index are two huge factors regarding not only the cost of your individual or private healthcare cover policy, but also the availability of coverage. The insurance carriers can't see your individual future, but they are great at analyzing numbers and trends. Individuals in different body weight ranges have different healthcare costs.

It is not possible to predict the future medical history for one man or woman, but when they review the statistics large numbers of people, they see definite patterns. They have a very good idea regarding which medical care conditions are most likely to cost them the most and will do what they can to keep their company profitable. It can mean that they will reject an application. Sometimes they will add a surcharge and/or eliminate coverage for a particular disease

Regular exercise and intelligent eating can reduce your price for your health care policy and extend the time you get to enjoy your life. Often health issues are beyond our control, but many can be prevented or at least delayed. Regular check-ups, eating well, stress management and a host of other factors that are within your control can help you keep your health care payments lower. You probably have more control over your health than you give yourself credit for.

Your Choice of cover company and Plan
Shopping around is crucial when it comes to health coverage. One insurance carrier may charge much less than the average price for medical coverage in your town and another may cost more than the average. The insurer that has the lowest price for twenty year olds may not be the same cover carrier that offers the best price for those in their forties.

You'll find the similar variance when it comes to other deductible ranges. The cover company that has the cheapest low-co-pay HMO could have the worst premiums for an HDHP HMO policy.
High Deductible Plans with Health Savings Accounts (HSAs) are great low cost options. These plans appear on the surface to have limited protection. However, when you consider all the benefits and all the costs, you might discover that these plans are the best low cost choice for your family.

Conclusion
Many factors are beyond your control or are difficult to control. However, you may find
that some things are controllable.

When you are contemplating different places to live, you may want to get insurance premiums associated with each location. You may want to investigate smoking cessation systems or body weight management and find a system that will work for you.

You should shop for coverage, different companies charge differently for similar covereage options. You don't have to contact all the companies that service your area, you can work with an insurance agent who is appointed with the various insurance carriers in your county. Finally, be open to high deductible cover options. Most people's overall expenses will be lower when they handle the costs for the small things out of their pocket and let the insurance company cover for the larger expenses.

Nine reasons to drink green tea daily

Have you been wondering “what’s all the fuss about green tea?” Now you can stop wondering and start drinking ... green tea, that is. This flavorful beverage offers many health benefits to anyone who drinks it regularly. Green tea contains a potent plant nutrient known as epigallocatechin gallate, or EGCG, for short. But don’t fret, you don’t have to keep track of its chemical name to reap the health benefits.

Here are nine reasons to start drinking green tea or continue drinking it if you’re already hooked.

1. Green tea is a superb fat fighter. Its active ingredient, EGCG, increases the rate at which fat is burned in your body.

2. It targets belly fat. Research at Tufts University indicates that EGCG in green tea, like other catechins, activate fat-burning genes in the abdomen to speed weight loss by 77 percent.

3. Green tea keeps energy stable by balancing blood sugar levels. EGCG improves insulin use in the body to prevent blood sugar spikes and crashes that can result in fatigue, irritability, and cravings for unhealthy foods.

4. Research shows it may be helpful against lung cancer. In an April 2010 study published in Cancer Prevention Research, EGCG was found to suppress lung cancer cell growth.

5. Green tea may halt colorectal cancer. In numerous other studies, EGCG appears to inhibit colorectal cancers.

6. In research, it appears to cause prostate cancer cells to commit suicide. A March 2010 study in Cancer Science indicated that EGCG aids the body by causing prostate cancer cells to commit suicide.

7. Green tea may prevent skin damage and wrinkling. EGCG appears to be 200 times more powerful than vitamin E at destroying skin-damaging free radicals. Free radicals react with healthy cells in the body, causing damage, so lessening their numbers may help reduce wrinkling and other signs of aging.

8. It contains a potent antioxidant that kills free radicals. Because it is a potent antioxidant green tea can positively impact a lot more than skin cells. Free radicals are increasingly linked to many serious chronic illnesses like arthritis, diabetes, and cancer.

9. Green tea tastes good. If you’re not wild about the flavor, try a few different kinds. Try it iced or hot. Add some of the natural herb stevia to sweeten it if you want a sweeter drink. I wasn’t crazy about green tea the first few times I tried it, but now I love it with a fresh squeeze of lemon and a few drops of stevia over ice -- et voila! Green tea lemonade. Mmmmm.
Reap the rewards
Add one or two teaspoons of green tea leaves to a cup of boiling water, preferably in a tea strainer. Let steep for five minutes. Pour over ice if you prefer a cold beverage. Most experts recommend three cups daily. And, don’t worry, green tea contains a lot less caffeine than coffee or black tea.

Source:www.yahoo.com

An explanation: Why Maradona wears two watches

Asking why Maradona does any of the wacky things he does is usually a futile attempt at finding a brick of logic in a hurricane of madness, but when it comes to why Maradona wore two watches while leading Argentina against Nigeria Saturday, there actually is an answer.

Maradona always wears two watches when he travels - one set to local time and one set to the time back in Argentina. Plus, as a man of extravagant taste (he also wears large diamond earrings and, of course, has a special expensive toilet seat installed in his hotel bathroom), Maradona also has a taste for fancy watches. A taste that the Italian tax authorities have enjoyed as a means of recouping a bit of the $39 million in back taxes he owes from when lived there while playing for Napoli. In 2006, they seized a pair of Rolexes from Maradona while he visited Naples for a charity match.

With those Rolexes long gone, Maradona now wears a pair of his own Hublot special edition watches that feature a silhouette of the former No. 10 raising his arms in victory (or perhaps to knock in a goal).

Of course, Maradona's accessories weren't limited to a pair of watches for the Nigeria match. In addition to the timepieces and his Goodfellas suit, he also clutched Rosary beads to help him pray for a fair match. And despite the best efforts of Nigerian goalkeeper Vincent Enyeama, Argentina got the victory.
If these results continue for Maradona, look for two watches to become a globe-sweeping trend. Paris Hilton will be wearing pink ones by July. Now you know who to blame.

Thanks:www.yahoo.com

Excess Weight - What Is The Reason

In ancient times they believed that a big man is just more of him to be loved. Poets and artists glorified people with big forms, thus sonsy women acquired the status of beauties, and such men were considered to be strong and brave warriors. In our time ideas of beauty changed radically. Fat bodies seem to be neglected, and most importantly - everyone understands that obesity leads to serious health problems.
Overweight is a metabolic disease that provokes the illnesses gaining with time the chronic form. People suffering from obesity are often have a high risk of diabetes, heart and gastro-intestinal tract diseases. Doctors note that in most cases obesity is genetically predetermined: if your parents are overweight, take care about your own physique from an early age.

Often people begin to gain weight rapidly due to diseases of adrenal and disorders in the endocrine system. Sometimes obesity arises as a complication after a severe flu, stress or malignant tumors. Excess weight may appear during violations of the hormonal or menstrual cycle of women, and for both sexes it can emerge in the period
of age-related changes.

In the U.S., 50% of the population suffer from the alimentary obesity, predefined by an excessive use of high-calorie foods. Americans should thank the "fast-foods", which they love so much.
The soups with pork, cutlets, meat dumplings with sour cream and other high calorie dishes, which abounds in our daily diet, in fact do not go in favor to anyone. Besides the need to save money forces us to overeating pasta and potato, which also add extra pounds. Lovers of spicy foods, ketchup, mayonnaise and animal fats(cheese, sour cream, balyks, bacon) risk to get ill with this unpleasant disease. Fizzy drinks, beer, ice cream and various snacks are considered to be the real carbohydrate bombs.

Interestingly, but men and women gain weight differently. Male type of obesity is called "apple-like" because the main amount of fat is laid on his belly. The female figure is shaped like a pear, as the extra weight saves on the thighs.

It should be remembered that obesity is a disease, so it is important to see a doctor in time. If a large weight is cause by other diseases, it is enough to cure the cause. In all other cases you are to stick to the proper nutrition and a healthy lifestyle. The endocrinologists say that diets do not involve starvation or refusal from the usual meal.

The man should eat what he wants, but often and in small portions.

The main amount of calories should be taken in the first half of the day, so do not give up hearty breakfasts. For lunch portion should be reduced. A dinner is to be not later than six o'clock in the evening. If you have to eat later, choose vegetables, protein and vegetable meal. It is perfect to eat not three, but five times a day, and in small portions.

The outstanding role in the obesity problem is played by so-called physical inactivity - sedentary way of life. It is useful to move more: walk more often, do not use the elevator... And for those who work in the office, doctors advise to make a five-minute break every hour to warm up.

But do not overdo, the main thing is to lose weight gradually - not more than 2-5 pounds per month. A fast weight loss will not bring the desired result, because the fat cells begin to starve and, like a sponge, absorb the nutrients. When the weight will come back to normal, do not relax, as for people prone to obesity a diet must become a lifestyle.

Often, the obesity develops in childhood. Babies born weighing over 9 lbs, immediately get registered. A child with an overweight has risk of diabetes. The pediatricians say that a baby may be plump until he starts to walk. Then you should not be pleased about chubby cheeks.
From the first months of a child's life, parents must strictly adhere to dietary habits: do not overfeed the child with breast or artificial milk, do not give too many high-calorie foods. Even a small child, who weighs too much, should follow a diet: instead of bread and dairy products give him soups, vegetables and fruits more often. A variety of candies, cakes and other sweets should be excluded from children's diets at all.

The health depends on the baby's family eating habits. Choose healthy low-calorie food together with the whole family.

Tips For Portfolio Website

Let us look at the few steps that would help us to have a good portfolio site.

Logo

The visitor sees the first thing that is the logo. Normally we start reading from left and continues from top to bottom, so it is advisable that you put the logo on top left of the website, hence visitors can easily identify the website. Always link the logo to the home page.

Tagline
Now the visitors know who the owner of the website is, now they would want to know what your services are. You explain this with the tagline. The tagline should be snappy and short, and should summarize in short what you do.

Portfolio

As this is your personal photography portfolio website, therefore your portfolio would decide whether your website is appealing or not. Visitors would want to see the previous work to determine whether your work is interesting or not, what work you have done in past. Depending on the kind of work you do, the portfolio must have good quality images which should be accessible to the users. You should have a short description for each and every project you have done.

It is a good idea to have a testimonial from your client. Visitors are always keen to know about the stages of your project and the final outcome.

Services
So the tagline has summarized what you do. But now you have to give detail about your each and every services and products that is offered. Do not leave them speculating that whether you provide particular services or you do not. Thus make each and every thing clear and in detail.

About me
This website belongs to you; you can share the background, since how long you are in this business. Also do not be anxious of showing the recognition and awards.

Contact
This is the main element of the portfolio website, most of the times it is often neglected or hidden. Let the visitors know how they can contact you. Do not hide the information.

Blog Blog is a good idea. It helps in promoting you. Let the people follow by subscribing to the RSS feed and you can show the popular posts to your new readers.

Some Great Internet Marketing Tips For Online Businesses

If you are a new or established Online Business looking for Internet Marketing tips give you a few here. You may or may not like what you hear, but lay out the truth for you and let you decide if it's right for you or not.

1)Free Webinars
Consider getting a free yahoo email address that you would use for junk mail. Then signup on lots of Internet Marketing lists and attend as many free Internet Marketing Webinars as you can. Almost all of them give out some free valuable information that can help you or guide you without you being obligated to purchase anything from them. Most don't ask for a phone number, but if they do you can put a fake one in there. If you put your real phone number in there you need to be aware of the fact that you may get a phone call.

2)Download Some Free Quality Ebooks
Many of the gurus offer free ebooks that you can download just for signing up on their list. If the ebook being offered is free and is geared toward the area you want to learn more about or specialize in, considering downloading it since its free. Once again most won't ask for your phone number, and never give it out unless you really want their sales department to call you.

3)Take Some Action
The only way you can fail in Internet Marketing is to do nothing. If you do something you'll get some results. It may not the the level of results you are
looking for at first, but you will get some results of you take action. When people ask me the best way to take action I always tell people to start building a blog.

4)There are quite a few products you can purchase on the internet and get free lifetime upgrades. There are also quite a few Internet Marketing Products you can purchase that will continue to deliver new content to you for years. This means you only have to pay once for the original course or content and you'll have the ability to keep learning more and more for a very long time.

FootBall Female Killer

How to Set Goals and Achieve Them

As a Project Manager, you have too much work to do and not enough time to do it in. With so much going on, you need to be really focused if you want to achieve success. The best way to get focused is to set 3 Project Goals and then work hard to achieve them. Here's how to do it...

Step 1: Identify what's important
In projects, everything is priority . So you need to take time to sit down with your Project Sponsor and identify what it is that is really important to achieve. Ask them this question: "If there were 3 critical things that the project had to deliver, then what would they be?"
The 3 things might be "delivering on time, under budget and to specification". Or it might be producing 3 key deliverables. Or they might be 3 major business benefits.

Step 2: Set them as goals
Then take these 3 important "things" and turn them into project goals. Remember to make your goals SMART - Specific, Measurable, Attainable, Realistic and Timely.
So why only have 3 goals? It's simple. With everything that goes on in your project, you will only ever remember 3 things long term. That's also why you need to keep them short and simple. If you set 5 or more goals, then you'll probably forget them within a week, making them harder to achieve.

Step 3: Communicate them
Print out your new goals and put them on your wall behind by your desk. Then take your team out for lunch and tell them what the 3 goals are and why they are important to achieve.

Then tell your other stakeholders about them, including any contractors, suppliers and business representatives that may be involved with the project. Make sure everyone in the project knows what has to be done and by when. Then you're all "on the same page" and working towards the same goal posts.

Step 4: Set an Action Plan
Having the goals in front of you every day will help, but you need to get serious and create an action plan to achieve them. Revisit your Project Plan and identify all of the tasks that will specifically help you achieve your 3 goals. These tasks are now the "high priority" tasks for the project and together, they form your "Action Plan".

Assign your best resource to these high priority tasks and make sure they have everything they need to achieve them.

Step 5: Keep an Eye on Progress
As a Project Manager, you can't watch everything. So just focus on the high priority tasks in your plan. Track their progress daily. Resolve any issues that arise with them, as quickly as possible. Personally oversee them if you need to. If they slip, then take quick action to bring them back on track. Do everything in your power, to make sure that these high priority tasks are completed on time, so that you can achieve your 3 goals and lead your project to success.

Vertical Fruit Stack

Have you ever wondered whether there was an alternative to the traditional fruit bowl? If you, then take a look at this vertical fruit stack which makes the fruit rather than a bowl, the primary decorative object. Whilst bowls can be delightful in their design, they are so common as to be overlooked but not this fruit stack! The vertical storage unit lets your fruit do the talking and, indeed, the pouting.

Take four or five apples, perhaps of different colors, and place them one on top of the other and admire the design capabilities this will add to your kitchen, living room or dining room. As reviewers state on the product page, visitors can’t help but comment on this unique fruit stack that catches the eye and the imagination. It’s simple yet functional as well as being sleek and elegant.

Many varieties of fruit and even vegetables can be placed inside this vertical fruit stack including oranges, pears, onions and even potatoes. The more colorful the better and when reds and greens are mixed together, the visual effect will be a work of art in itself. Plus it’s simple to take a piece of fruit from the top of the stack and equally quick to re-fill. Made from polished stainless steel, the vertical fruit stack is sure to last a long time and provide many years of iconic fruit storage.