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What You Ought To Know About Health Insurance

February 14th, 2019

Hello, Folks

About Health Insurance – This article is a response to the question that I got from a member of our community. Here we go …

Nobody can predict when they will get sick or injured. This is why having a good health insurance plan is extremely important. Don’t risk causing a financial burden to you or your loved ones! Use the great tips below to help you find the right health insurance plan for you.

Your health insurance needs change as you move through life. Periodically, take a look at your health insurance coverage to make sure it meets your needs, particularly if you have a family. Does it still make sense to stay on your work’s health insurance policy, or does your spouse’s policy offer better coverage for this time in your lives?

Learn how to read your Explanation of Benefits (EOB) statements that are provided by your insurer. These statements show exactly what benefits were applied to every healthcare procedure and what you as the patient will be responsible for. This is not the bill however so don’t try to pay off of it, your insurer will send you an invoice separately.

Unless you are actually suffering an emergency, you should always avoid the emergency room unless you want huge charges on your health insurance bill. A doctor’s visit is far more affordable. If you plan it in advance and do not waste the hospital’s resources and time, you will not have to pay a lot of money for your visit via deductibles.

Check over your policy carefully before re-enrolling. The health insurance company that you have your policy through may have made changes over the last year and when you re-enroll these changes will take effect. Make sure you know what those changes are before paying your premium and re-enrolling. You may find that you do not like the changes and want to change providers.

When choosing a health insurance policy, look into the quality of the company. The company that holds your policy should be able to back it up. It is good to know if the company you have chosen will be around to take care of any claims you may have.

When looking around for health insurance try finding a site that lets you compare all of the companies in your area side-by-side. You can then see how each company ranks against the others in each aspect and choose the one that best fits what it is that you need.

Be sure you regularly assess your health insurance needs over time so that your coverage accurately reflects what you need now. For example, young single adults without children generally have lower healthcare costs than adults with families, so perhaps for them, an HMO makes more choice in the beginning, while a PPO may make more sense for an adult with an established family.

Familiarize yourself with your state laws and regulations in regards to purchasing health insurance individually. There are certain states that may have individual protections if they have pre-existing health issues, but some may not. It is of utmost importance that you know and fully understand the rules where you live.

Do a bit of math when checking out a policy. Many times you get what you pay for, but sometimes that isn’t true. Try not to pay for a plan that does not provide a type of coverage that another will for the same exact price. Premiums, deductibles, and co-pays need to be added to everything before making a decision. If a plan seems too good to be true, it most likely is.

When you’ve decided on a plan, be very careful filling out your application. If you write anything that is dishonest, or if you make simple mistakes, the policy could become null and void or it could be denied. Slowly and carefully fill out your application. Don’t wind up paying for silly mistakes.

In preparation for changing health insurance policies, you need to take into account all of your medical care costs. This is especially true if you have a medical problem that requires renting or purchasing medical equipment such as oxygen tanks or wheelchairs. Figure out these expenses, both with coverage and without.

Learn all of the different options available to you with health insurance. With all of the different plans and choices, choosing health insurance can get really confusing. Plus, you might miss an important option because you didn’t even know to look for it. Use one of the online health insurance quote providers and request quotes. The service is anonymous, and it’s the quickest way to see all of the options offered by different health insurers and compare policy offerings against each other so you can get the most health insurance coverage for your dollar spent.

Ask your doctor to increase the dose of your prescription to save a few bucks. Often, buying pills in larger doses does not significantly increase the cost so you may be able to save money by cutting the pills in half. This way your pill splitter is going to be paid for before you know it.

If you want to move states and are doing your research to choose which state to go to, health insurance variations should play a part in your choice. For example, New York is one of the most expensive states to be insured in, so it may not be a great choice.

If you are unemployed and have medical issues, you should subscribe to COBRA. COBRA allows you to stay on your employer’s plan, even after they fire you. You will have to pay for the coverage: this is the right decision if your employer offers a plan you are satisfied with.

Ask your accountant to check into health insurance premium deductions on your small business income tax. This year (2011) small business owners were able to deduct their premiums a second time on Schedule SE, and with the current economy, the government will definitely be offering additional similar deductions to keep people going.

Obtaining health insurance is a necessary part of living a healthy life. Planning for your future (and your family’s) is vital so you can stay healthy and in good financial standing. Use the tips above to help you begin this very important planning today. Don’t wait, get health insurance today!

Speak to your therapist about EMDR for Stress today. EMDR Therapy might help to alleviate your post-traumatic stress disorder (PTSD).

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Resources About EMDR Therapy

Anxiety EMDR Therapist

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Improving Your Memory: The Most Useful Advice

February 11th, 2019
Improving Your Memory

Improving Your Memory – Are you fighting to retain important information over the course of the day? Is memory loss becoming something that affects your ability to perform daily tasks? If you are having memory issues, the following article can help. Keep reading to learn some good tips on helping improve your memory and keeping the information in your mind

A time-tested way to strengthen your memory is to play memory games. This is analogous to the exercise you do to strengthen your muscles. If you challenge your brain regularly, it will be stronger and your memory, focus, and concentration will all benefit. Crossword puzzles, scrabble or word searches are just a few examples of fun ways to give your brain and memory a little workout.

If you need to commit a set of facts to memory, try studying that information in many different environments. Doing this will allow you to dissociate what you’re learning from where you are, making it easier to recall wherever you are. Essentially, studying your material in a variety of settings will help you commit the information to your long-term memory more easily.

Paying Attention

Try paying attention to better your memory. While you may think you are paying attention, your mind may be wandering and not absorbing information efficiently. It is important to clear your thoughts and concentrate on what is going on around you. Actively think about what you are learning to form connections in your brain.

Your brain is like a muscle; you have to work it out to keep your memory sharp. You can decrease the effects of senility by playing puzzles.

One of the best ways to improve memory function is to make sure that you’re getting the proper amount of sleep. Sleep is a key component of how well your short and long-term memory work. If your mind is fatigued, you may become forgetful. Getting enough sleep every night will keep you remembering everything you need to.

To improve memory retention, try fish oil. Omega 3 fatty acids are great for helping you remember things. The health benefits of fish oil are amazing, and memory boost is just one of the many benefits. These fatty acids are available in prescription form or over-the-counter. Most are in capsule form.

Being socially active is good for your memory. This keeps you awake and your spirits up. If you are depressed or lonely, your brain does not get stimulated and exercised. However, if you engage in interesting conversation with others, your mind will remain sharp, as will your memory.

A good workout will exercise your body, but it can also exercise your mind. Exercising each day can help you out immensely with your efforts.

Even if you are not in school or college, it is crucial that you continue to learn new things. If you aren’t learning new things, you’re not using an essential part of your brain that will help strengthen your memory. Therefore, you may have difficulty remembering information when such a need arises.

If you are trying to learn facts from someone else, rephrase the facts into a form that is easier for you to understand. It is hard for people to memorize words and thoughts if they do not quite understand what it means.

Cognitive function can benefit dramatically from meditation. Meditation improves your ability to memorize information and, as an added benefit, imparts a sense of calm. You want to find a place that is calm and quiet in order to meditate. You then want to phase everything out, and slowly breathe in and out, letting go of all negative thoughts. Try to meditate for at least 30 minutes a day to make sure your mind gets the exercise it needs.

To improve your memory and help your brain work at its highest level, choose food that will nourish your brain. Healthy types of fats are beneficial to the brain. Get plenty of these healthy fats by eating foods such as fish and walnuts and using flaxseed oil and olive oil instead of trans fat.

Maintain healthy relationships to help prevent memory loss. Studies show that spending any time with those you love, even for a few hours weekly, is healthy for your brain’s part that controls memory.

If you have a hard time remembering peoples’ names when you first meet them, associate them with a person you already know that has the same name. In addition, you could associate the name with a famous person. Make sure you establish a connection between the name and the face; you should instantly remember the name of this person the next time you run into them.

Term Memory

When studying something you must remember, eliminate distractions so you can focus exclusively on your task. If you want to retain information, it needs to be stored within your long-term memory. Outside distractions can make it very difficult to store information in your long term memory.

You can better your memory while studying by consistently learning the material at the same time daily over several sessions. This lets you have enough time to think through the information and retain it. Studies have proven that a subject who divided their study time into different sessions memorized the information more efficiently than a subject who crammed the information in one session.

If you want to improve your memory, then pay attention. If you are introduced to someone new, try to picture how to spell it, or ask them if there is a question about the spelling. You can simply ask how their name is spelled. Then, throw it in conversation when appropriate. The more you use it, the more likely it is you will recall it later. Use it a couple of times in your conversation to really lock it into your memory.

There’s no greater treasure than a strong ability to remember things. There are countless ways that a great memory can help in everyday situations.

Depression can invoke PTSD, and PTSD can invoke lots of bad symptoms that may be treated with EMDR. Speak to your therapist about EMDR for Stress today. EMDR Therapy might help to alleviate your post-traumatic stress disorder (PTSD).

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Resources About EMDR Therapy

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Help With Self Improvement

February 10th, 2019
Self Improvement
Self Improvement

     Self Improvement – Each person is unique, and so self-improvement should be customized to your way of life. With that in mind, you have to educate yourself as much as you can in order to maximize the success of your self-improvement plan. The following article gets you started by providing you with advice that is beneficial to you and your personal growth. Stress is the foe of happiness. When we have to deal with stress, it takes its toll on the body in a physical and mental sense. To start thinking clearly and reaching for calm, purposeful goals, destroy your mind’s stress. Take some time off regularly to relax and reflect. This peaceful mental relaxation will refresh your mind, and improve your inner self.

     Spend time with people who are like-minded to you. This will reinforce the aspects of your personality that you are seeking to develop while allowing you to distance yourself from toxic individuals in your life. Remember to practice your core principles. Everyone has beliefs that are central to their sense of self. Use your faith in these principles to drive your faith in yourself. This will also help you develop consistency. In order to work on your personal development, you have to be willing to be humble. Realizing that you are but a small part of the bigger picture will potentially open your mind to attaining new insights. By instilling these ideas in your brain, you will be more open to improving yourself and learning new information.

     Determine the things that you value so that you can better come up with an excellent personal development strategy for your needs. It doesn’t make any sense to focus on things that your value set does not include. Seek out areas of your life that you can develop that you can spend your energy on without going against what you hold important in life. Implementing a plan for self-improvement can improve both your work and home life in the future. If you take proper care of your physical needs, you will get the maximum benefit from your self-improvement approach. Basic self-care, such as sleeping at least eight hours, exercising every day, and eating lots of fruits and vegetables are important parts of achieving positive growth. While this may sound like an easy thing to do, it can actually prove quite challenging at times.

     Always look for opportunities to compliment another person. It is actually better to turn the other cheek and be nice to others. You can try writing yourself a motivational speech. Write down everything you like about yourself. Take it with you everywhere you go and go over each quality when you feel the need. An even more effective solution would be to read the list out and have it recorded on video; playing it back when you are feeling low. The reason to watch the video or read the postcard as often as possible is to remind yourself of how wonderful you think you are.

Quality Level

     If the quality level of today is 2000, try to make tomorrow’s quality level 2001 or higher. Steady, unending improvement should be your goal. Each day, make sure that you perform better than you ever have before. You should treat every person in your life with respect, no matter what they can do to benefit you, or how much power you think they have. The way you interact with people, and the respect you show says a lot about you. Do you consume more alcohol than you should? Is smoking or anything else harming your body? Our body is a temple, and therefore it should be treated like one. One way to improve your life is by getting rid of any bad habits that you have. Take stock of how you are living your life and the habits you have accumulated. Which ones do you think you could get rid of right now?

Self Improvement Complex Carbohydrates

     If you are battling depression, it may be helpful to adjust your diet by increasing your intake of complex carbohydrates. A lack of complex carbohydrates can lead to a depletion of serotonin. Incorporate more raw produce, nuts, brown rice, beans, and whole grains into every meal. Take a trip with a buddy to the movie theater as a method of conquering anxiety. This is a good way to push yourself out of your comfort zone. You can be social with your friend before and after the movie and will have to be around strangers, but you won’t have to be overly social and can recharge during the movie. It will help you get used to the social scene.

     If you find yourself consistently falling short of self-imposed goals and guidelines, step back and assess the possible problems. Research your ideas online to find others who have set similar goals, then compare yours with those of others. It is possible that you may be setting unrealistic expectations, missing an important element, or not devoting enough time or resources to your efforts. Taking steps to improve your health can help you achieve success with your personal development plan. It’s a well-known fact that a healthy body is a happy body. Good health slows the aging process, making you look and feel great. It should be a priority to become more healthy.

     The information presented in this article will only help you if you actually apply it. Without the effort on your part, success will be elusive. Get crackin’ and use these tips to improve yourself and be the best person you can.


Learn To Deal With Your Panic Attacks

February 9th, 2019

     Panic attacks are a major problem for anyone who has to suffer through them. These attacks complicate life for the person suffering from them. This person may believe that nothing can help with his or her panic attacks. That is not correct. Read this article to learn more about different ways to treat your panic attacks.

     Music can be a good solution if you are experiencing a panic attack. It helps to calm you. Focusing on the lyrics of calm, soothing music in a quiet environment can really help. The more you distract yourself from the scariness of a panic attack, it gives you a chance to settle your body down and relax.

     Finding a therapist who specializes in anxiety and panic disorders can offer great help in treating panic attacks. You can find reviews online which will help you select a practitioner in your area.

     If you take control of your panic attacks, you can resolve your symptoms easier. Sometimes the only way to beat your fears is to fight back against them.

     If you are struggling to overcome your panic attacks, educate yourself on both breathing and relaxation strategies. Breathing calmly could be enough to get through a stressful situation.

Panic Attacks

     If you can control the rate of your breathing, you will have a better chance of controlling panic attacks. Breathing plays a big role in panic attacks, and noticing and controlling your breathing can cut down on the severity of the attack. Deep, even breaths are the most effective for calming a panic attack.

     Do you think panic attacks could never end? You are the boss of your emotions and body!

     If you are having a panic attack, stop what you are doing, take a seat, and concentrate on your breathing. Take deep breaths through your nose, and watch your stomach rise. Count very slowly to five as you inhale, and the same as you exhale through your mouth. Repeat this breathing exercise ten times and you should begin to feel better.

     When you’re fighting against panic attacks, the first thing you want to do is make a list of everything that happens when you have one. You are probably experiencing the same thing every time. Pay attention to how you feel, and learn to recognize these sensations. This will help immensely.

     If possible, have the person come to your home to speak to you in person. This may help you feel better sooner.

Panic Attack

     A very useful tip to remember when experiencing a panic attack is to try to be cognitive of your environment and what is going on in it. Remember, you are just experiencing a quirk with your nervous system; you won’t be hurt. Doing this will help keep the episode in a proper perspective, and help bring about a quicker resolution. Though it is dreadful to have a panic attack, this advice should take some of the fear out of the panic attack.

     If stress is starting to affect you, it’s critical to talk to somebody. Having a friend or loved one tell you something comforting makes it easier to calm down. A hug is also a good option because it releases endorphins and relaxes you. Physical contact can be very soothing and calming in times of stress.

     You may find writing down your experiences to be a beneficial way of helping yourself with your panic attacks. Create a blog, write for an online magazine or give public lectures. They can all serve as great tools for beating your panic attacks.

     Rationalizing their feelings helps a lot of people get panic attacks under control, or even cut them short entirely. If you feel a panic attack coming on, just remember that panic attacks consist of emotions, and they cannot really hurt you. Think of a positive affirmation, then repeat the affirmation until it helps you feel better.

     Try driving at different times of the day and night. Whenever you are inside of your car, think positively about yourself and how comfortable you are driving. This will kill those fears!

     You need to understand why you are experiencing panic attacks. Figure out the problem and solve it now! Be sure to explain why you asked them that question.

     Always stop to ask yourself why you are being so serious all the time. Check out the news parodies from The Onion or rent a comedy classic from Netflix. Find things that make you laugh and keep them around for when you need a lift.

    There are several ways you can treat anxiety and panic attacks. It can take time to find what works for your attacks, but the relief will most definitely be worth it. Combined with the recommendations of a counselor or other medical professional, you can formulate a successful strategy against the debilitating effects of anxiety.

     Panic Attacks can invoke PTSD, and PTSD can invoke lots of bad symptoms that may be treated with EMDR. Speak to your therapist about EMDR for Stress today. EMDR Therapy might help to alleviate your post-traumatic stress disorder (PTSD).

1EMDR.com is on social media

Twitter: https://Twitter.com/1EMDR
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Resources About EMDR Therapy

Anxiety EMDR Therapist

EMDR Therapist Directory

EMDR Therapist

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The Providers Dot Info

Trusted Health Providers

Brain Training Therapy Information

California EMDR Therapist Directory

Simple Tips For Controlling Your Stress Levels

February 6th, 2019

Stress negatively impacts your body and your mind. By knowing what causes stress and how to effectively deal with it, your health can greatly benefit. Using this advice can help you feel much better about what causes your stress.

Think calm thoughts, don’t clench your teeth, and slowly relax the jaw. Your jaw is one place where stress is frequently expressed. When you feel the tension in your face muscles, close your eyes and take deep breaths. Touch your jaw with your index finger, breathe in, then slowly breathe out. You should feel more relieved now.

One way to lower your stress level may be to spend time with pets. Research has proven that petting an animal a few minutes helps to relieve or lower stress levels.


Trauma Exposure
A national survey found 8% of U.S. Veterans screened positive for PTSD at some point in their life.

Putting pen to paper (or fingertips to keyboard) can go a long way in stress reduction. Recording your thoughts about the situation that is causing you stress can actually help to relieve that stress, especially if the problem is one that you’re hesitant to discuss with other people. Hang onto what you write in order to reap another benefit: You can refer back to these writings to remind yourself how you’ve coped with stress in the past.

When people are stressed they sometimes turn to drugs like alcohol to calm them down. Obviously, substance abuse is a very poor option to take, and rarely, if ever valid. Drugs and alcohol are definitely not a good solution. They may temporarily make you feel more relaxed, but they will only make things more difficult in the long term.

Many seemingly innocuous activities may be making you more stressed. Video games might be one way for you to unwind, but if you play them for many hours a day and neglect your other responsibilities, you are actually increasing your stress. You might be losing the time you need to sleep, or to have something healthy to eat.

The best way to start removing stress is to first discover where your stress is coming from and work to reduce or eliminate it. A friend who is much more of a hindrance than a help in your life, for example, should not be invited over very often, nor should you spend much time with a constantly complaining co-worker. Getting rid of stress sources can incredibly improve both your health and attitude.

Analyze how you currently deal with stress in order to determine if you could be handling it better. Try writing down stressful events and situations you have come across, and how you responded to them. Do this for a few weeks. Examine your responses and gauge how effective those responses really were. Were they constructive ways to handle things? If you decide that you are not responding appropriately, it’s time to develop new ways to cope with life’s stresses.

In it, record the jokes you hear and the funny situations you come across. Eventually, it will make for excellent reading material. Furthermore, this forces you to focus on the more enjoyable, positive aspects of life.

A good way to spend some time relieving stress is to do some arts and crafts. Anything creative, like drawing, writing, sculpting, or carving, can let your mind accomplish something without being stressed about the outcome.

If you have a lot of things to do, you are probably not taking the time to think. It is essential that you slow down, breathe in deeply, and let yourself maintain perspective in what you are doing. As the day wears on, try to limit the times that you rush, which will help your anxiety level.

Breathing before you respond can help control a situation that is stressful. Take a moment to count to ten, take a few deep breaths, then respond. This simple will make the difference between proactive, professional behavior and erratic, irrational behavior.

Staying honest with yourself is a great way to help reduce the stress in your life. Studies demonstrate that even tiny lies can provoke strong feelings of guilt and cause anxiety when people worry that their lies will be exposed.

One of the most effective ways to manage stress is to utilize deep breathing exercises. Rapid and shallow breathing is a result of being stressed; controlled breathing can alleviate that tension. This is an easy way to relieve stress and can be added to your routine so you can relax.

Hot Bath

A nice hot bath can be a great way to get rid of stress. A hot bath relaxes tired and tense muscles like nothing else. Even if you do not have the time to take a bath, if you can just get to the bathroom and wash your face and hands with hot water, that can have a very soothing effect if you imagine yourself in the bath.

Let go of the stress. A lot of people don’t like change, so even though changing something could reduce some stress, they stand firm. Once you know that you are hurting yourself by getting rid of stress in your life, you can make changes. Letting go of ingrained behaviors and habits can be difficult, but taking control of your life can result in a more positive outlook.

As was discussed in the beginning and throughout this article, stress can have a negative effect on your mental and physical health. Hopefully, this advice given can not only help you identify what’s causing you stress but can also help you sort it out and live a more happy and healthy life!

Stress can invoke PTSD, and PTSD can invoke lots of bad symptoms that may be treated with EMDR. Speak to your therapist about EMDR for Stress today. EMDR Therapy might help to alleviate your post-traumatic stress disorder (PTSD).

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