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posted by recipeblogs82595 @ 10:20 PM
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Such factors can include her family, the relationships she has - her spiritual values and her work environment. Beyond this she is also affected by her position in the community. The reason why women's health is different to men's health is due to the fact that women react differently to disease.
The key to a woman improving her health lies in understanding the factors which affect her. The emphasis ought to be on preventative health and engaging in education on how best to have a healthy lifestyle.
In the past, life was very difficult for women. The ability to talk openly about various issues was difficult especially relative to reproduction. Society in those days was less open and there was an underlying fear of how a woman was viewed. Many women became mothers and wives at a very young age. There were many pregnancies some of which were wanted and others which were not.
Back then childbirth itself was challenging and many women died while giving birth.
Today things have changed dramatically; this of course depends on where you live in the world. These days' women's health issues are far more open and are readily discussed.
There is a lot of information out there which can provide for an enriching learning experience where each individual can benefit from a greater understanding of the issues involved.
There is so much information available on the subject of women's health that shelves of bookstore space are now devoted to the subject. Women today can be proud of the fact that information, dialogue and discussion of reproductive disorders are freely available.
In the western world access to this information and the freedom to choose is of the utmost importance however even though all this information is available there are some topics which still remain in the shadows and without this information certain options remain limited.
Dietary information is very important to a woman's well being. Women have specific nourishing requirements relative to their biochemistry. Optimal health will be directly affected by the nutrients provided by fats and proteins. For example fat-soluble vitamins are vital when it comes to nourishing the endocrine system and the reproductive organs.
We all know that there is lots of information out there but it is the danger of inaccurate information which can capture a woman in a vicious cycle of ineffective treatment and disease. As a consequence it is important to identify the source and look for reference material which supports any claims made.
Get more Womens Health and Wellness tips at Mens-Womens-Health.org
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posted by recipeblogs82595 @ 6:49 PM
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California auto insurance is compulsory for all drivers in the state. California is a tort state, which makes you financially responsible for injuries and damages in auto accidents. Maintain a good driving record with higher deductibles to arrive at affordable California auto insurance with sufficient coverage. Of course, other factors like number of miles driven each year, driving experience, etc. play prominent roles in deciding your insurance rates.
What decides my financial responsibility?
You can prove your financial responsibility in any one of the following ways:
What is the minimum coverage available?
California auto insurance offers minimum liability insurance of $15,000 for physical injury or death per person per accident, $30,000 for all persons affected in an accident, and $5,000 for damages to property per accident. Your insurance coverage should have this minimum coverage; otherwise, you should provide alternative methods of paying for damages due to any accident. California law does not make other coverage like collision, comprehensive, medical payments, uninsured motorist, etc. compulsory.
How you can acquire auto insurance?
There are many insurance companies in California offering different insurance rates for their policies. Different companies calculate their rates according to their experiences, expenses, losses, etc. You need to scout around for various insurance companies, agents, brokers, etc. to get a fair idea of different rates in same geographical region. You can take help of the Internet or call up different insurance companies to gather information. Thereafter, you can choose the most suitable insurance company, which offers necessary coverage at rates affordable by you.
What if no company is willing to insure my vehicle?
It is possible that no California auto insurance company is willing to provide you coverage. You can then receive liability coverage through California Automobile Assigned Risk Plan (CAARP). You need to approach such agents or CAARP directly. They then assign your application to any licensed insurance company. All such insurance companies have to accept CAARP applicants and there can be no brokers fees or charges. You can take up a regular insurance from standard companies after three years of clean driving record.
Helping our California drivers get better rates on California Auto Insurance stop by our site and get a no obligation quote for the Cheapest Car Insurance available in your area. http://www.freecarcity.com
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posted by recipeblogs82595 @ 4:04 PM
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A luxury boat is a pleasure craft. It usually refers to very expensive boats that wealthy individuals or companies in the boating business own. Luxury boats are for the elite. A yacht has its own professional crew and different activity rooms. Owners sail their yachts to different parts of the world, usually in the Caribbean or Mediterranean with their luxury boat. Insurance brokers and insurance agents, help them get the insurance that is best for their need. It would be insane and foolish for luxury boat owners not to get insurance for their boats.
An insurance broker is a person that helps boat owners get good insurance for their boat. Unlike an insurance agent, an insurance broker is both an agent of the company and agent for the boat owner. These luxury boat insurance brokers can give boat owners a fair and reliable analysis of their unique situation. They will ask very many questions that are related to your boating situation. After an in-depth interview, they will be able advise boat owners the appropriate insurance policies and explain to them the different selections of policies to choose from.
A luxury boat insurance broker is usually self-employed. Just because they are knowledgeable about boats, do not trust the him/her immediately because you might get ripped off in the end. Do not be fooled by persons claiming that they are luxury boat insurance brokers. He should be able to show you proof and evidences of his qualification as a broker.
Having a luxury boat insurance broker will have its advantages, namely, that broker is already knowledgeable about the field. S/he will be able to give the quick information you need and can help you compare the different insurance companies. While insurance agents would promote and tell you that their insurance company is the only company offering the best insurance for your needs. You may still have reservations and qualms about trusting a luxury boat insurance broker with your yacht's insurance. This is understandable. It is difficult to put your investments in the hands of another person that you barely know. There is nothing that would stop you to go and ask different insurance companies and their agents yourself.
As an agent for insurance companies and the boat owner, the luxury boat insurance broker will most likely give impartial opinions and recommendations to their client. It will not tilt in favor of a particular insurance company, rather it will concentrate more on beneficial policies and what companies are most likely to provide them. The luxury boat insurance brokers will work hard to find a perfect fit because as an agent of their rich client, they want their rich clients to be very happy.
Yachts are luxury boats and they are very expensive investments. Imagine a boat having its own helicopter landing platform, VIP suites, indoor Jacuzzis, sauna and steam rooms, massage rooms, cinema, playroom, libraries etc. These boats cost more than houses and sometimes even a whole village! Not many people get the chance to ride one much less own one. The point is, before you trust a luxury boat insurance broker, be sure that he is a more or less an expert and a person of integrity or you will end up with an insurance policy that will not be good enough for your investment.
Joel Sampson is a successful webmaster of http://www.boatinsuranceinfo.com. He provides more information on inland marine insurance, liability/property insurance and watercraft insurance on his website.
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posted by recipeblogs82595 @ 12:33 PM
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Vitamin D plays a major role in the metabolism of calcium and phosphorus. Therefore, it's essential for normal growth and development in children, and bone and teeth maintenance in adults. A deficiency of vitamin D may result in rickets for children, and osteomalacia for adults. Both conditions lead to the softening and deformity of bones.
Many Americans are not meeting the recommended daily intake of vitamin D. Populations who are at especially high risk for low vitamin D levels are teenage girls, women, and older adults. Also, individuals with lactose intolerance who do not consume lactose-free milk fortified with vitamin D, or do not take a supplement, are at high risk for vitamin D deficiency.
Emerging research suggested that vitamin D might play a crucial role in prevention of serious health problems. According to scientists, vitamin D deficiency is linked to chronic diseases, such as high blood pressure, heart disease, diabetes, and cancer. Research showed that women taking calcium and vitamin D supplements had fewer breast, colon, lung, leukemia, and uterine cancers than women taking calcium supplements only. Inadequate intake of vitamin D is also associated with weak muscles and increased risk for hip fractures among older adults.
Unfortunately, there are very few foods that contain vitamin D naturally. Those that do are liver, fish liver oils, and eggs. But more and more foods are being fortified with vitamin D--the best source being fortified milk.
Vitamin D is one of few vitamins that are produced by the human body. Its synthesis is triggered by sun exposure. Most likely, exposing uncovered skin to sunlight three times a week should be sufficient. However, keep in mind that high altitude and dark skin tone do not allow for optimal exposure.
Dr. Hillary is a pediatric nurse practitioner with a doctoral degree in health promotion and risk reduction. She works as a pediatric clinician and writes for Plugged in Parents. Plugged In Parents provides up-to-date info on pediatric health, safety and nutrition along with movie reviews, recipes, tech-savvy tips, and a parent's only forum. You can also contact Dr. Hillary for personal questions related to health and nutrition.
Please visit http://www.pluggedinparents.com
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posted by recipeblogs82595 @ 12:58 AM
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How does a PPO plan work?
As a member of a PPO (Preferred Provider Organization) plan, you'll be encouraged through their pricing of services to use the insurance company's network of preferred doctors and hospitals. With a PPO plan, services rendered by a physician that is out of their network are typically covered at a lower percentage than services rendered by a physician within the network. Usually, you won't be required to pick a primary care physician but will be able to see doctors and specialists within the network at your own discretion.
You will most likely have an annual deductible to pay before the insurance company starts covering your medical bills. You may also have a co-payment for some services, or be required to cover a percentage of the total charges.
How does an HMO plan work?
HMO (Health Management Organizations) plans typically enable members to have lower out-of-pocket healthcare expenses but also offer less flexibility in choices of physicians or hospitals than other health insurance plans. As a member of an HMO, you'll be required to choose a primary care physician (PCP) which you must see prior to being referred to a specialist.
With an HMO, you'll likely have coverage for a broad range of preventative healthcare services, some even offer discounts to health clubs. You may not be required to pay a deductible before coverage starts and your co-payments are usually minimal. HMO's typically offer no coverage whatsoever for services rendered by non-network providers or for services rendered without proper referral from your primary care physician (PCP).
What is the difference between in-network and out-of-network providers?
An in-network provider is one contracted with the health insurance company to provide services to plan members for specific pre-negotiated rates. If you visit a physician or other provider within the network, the amount you will be responsible for paying will be less than if you go to an out-of-network provider. Though there are some exceptions, the insurance company will either pay less or not pay anything for services you receive from out-of-network.
How does the Indemnity plan work?
A traditional Indemnity plan offers a great deal of freedom in choosing which doctors and hospitals to use, but will probably involve higher out-of-pocket costs and more paperwork.
Under an Indemnity plan, you may see the doctors or specialists you like, with no referrals required. Though you may choose to get the majority of your basic care from a single doctor, your insurance company will not require you to choose a primary care physician.
However, this kind of freedom may be costly. You'll likely be required to pay an annual deductible before the insurance company begins to pay on your claims. Once your deductible has been met, the insurance company will typically pay your claims at a set percentage of the "usual, customary and reasonable (UCR) rate" for the service. The UCR rate is the amount that healthcare providers in your area typically charge for a given service.
An Indemnity plan may also require that payment up front for services, and then you would submit a claim for reimbursement.
How does an HSA work?
HSAs and HSA-eligible health insurance plans are a great way for people to control their health care dollars. Here are the basics:
What is a co-payment?
A "co-payment" or "co-pay" is a charge that you pay for a specific medical service or supply. You can think of this as the "office visit fee". If your plan requires a $15 co-payment that's the amount you pay for an office visit, and the insurance company pays the remainder of the charges.
What is a deductible?
A "deductible" is a specific dollar amount that your health insurance company may require that you pay out-of-pocket each year before your health insurance plan begins to make payments for claims. Most Indemnity and PPO plans require you to meet the annual deductible prior to making payments.
What is coinsurance?
Coinsurance is the amount that you are required to pay for a medical claim, apart from any co-payments or deductible. For example, If there is a 20% coinsurance requirement, then a $100 medical bill would cost you $20, and the insurance company would pay the remaining $80 until you meet the total annual out of pocket requirement.
Finding the right health insurance plan can be overwhelming. Each state has different rules and providers. Different providers may have very different health insurance qualifications and health insurance premiums vary depending on deductible, age and health of the applicant, and the carrier. Try to find an online health insurance quote provider for your health insurance in your state. These services are usually free and can also offer the backup of experienced health insurance advisors to help you make sense of the options for you as an individual or for family health insurance.
Lorne Zalesin joined MyInsuranceExpert.com following a successful career in residential building and real estate sales. A self-proclaimed "serial entrepreneur", Zalesin is a licensed residential builder, licensed residential real estate broker, and licensed in life insurance and health insurance. Zalesin earned a Bachelor of Arts and a Master's in Business Administration, from The University of Michigan, and is also a graduate of the William Davidson Business Institute and Massachusetts Institute of Technology's (MIT) "Birthing of Giants," an elite educational program focused on successful leadership practices and unique growth strategies for entrepreneurs.
Talk with an Experienced Health Insurance Advisor at MyInsuranceExpert.com. Affordable health insurance options are out there for you and your family.
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posted by recipeblogs82595 @ 12:45 AM
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