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Medical insurance quotes are available online to anyone who is need of such coverage and does not want to have wait ages in order to find out how much it is going to cost. However when obtaining these types of quotes there are certain things that need to be considered.
The first of these being their medical history and the other is what insurance company they should be using. Should they go with a better-known large company or a much smaller relatively unknown one?
When you do decide to get medical insurance quotes you must understand that your medical history will dramatically affect how much you pay. Also the quote you get online will only be accurate if you provide specific and accurate information about your current health and previous health problems you may have suffered from. If any of the information that you provide is incorrect then this will change how much the quote is immediately.
Certainly for anyone who suffers from or has suffered from a major illness such as cancer or heart disease the premiums to be paid will be much higher. Also you are likely to find that the level of coverage provided is sketchier. Therefore it is wise to speak to an agent so that they can fully explain the conditions of the policy relating to such illnesses in far more detail.
When getting medical insurance quotes you can go to any insurer you want. However the policy will be completely useless if the company you go to isn't reputable. Make sure that you always select companies where they have received good ratings in relation to customer satisfaction and who have been involved in this area of insurance for a number of years.
Also make sure that you obtain several medical insurance quotes so that you can compare each one. It is important that you don't only look at the premiums being charged but what sort of coverage they offer. This way you can make a more informed decision with regards to policy you take out and it will help to ensure that you find a policy, which meets your needs, the best.
Medical insurance quotes are available online to anyone who is need of such coverage and does not want to have wait ages in order to find out how much it is going to cost. However when obtaining these types of quotes there are certain things that need to be considered.
The first of these being their medical history and the other is what insurance company they should be using. Should they go with a better-known large company or a much smaller relatively unknown one?
When you do decide to get medical insurance quotes you must understand that your medical history will dramatically affect how much you pay. Also the quote you get online will only be accurate if you provide specific and accurate information about your current health and previous health problems you may have suffered from. If any of the information that you provide is incorrect then this will change how much the quote is immediately.
Certainly for anyone who suffers from or has suffered from a major illness such as cancer or heart disease the premiums to be paid will be much higher. Also you are likely to find that the level of coverage provided is sketchier. Therefore it is wise to speak to an agent so that they can fully explain the conditions of the policy relating to such illnesses in far more detail.
When getting medical insurance quotes you can go to any insurer you want. However the policy will be completely useless if the company you go to isn't reputable. Make sure that you always select companies where they have received good ratings in relation to customer satisfaction and who have been involved in this area of insurance for a number of years.
Also make sure that you obtain several medical insurance quotes so that you can compare each one. It is important that you don't only look at the premiums being charged but what sort of coverage they offer. This way you can make a more informed decision with regards to policy you take out and it will help to ensure that you find a policy, which meets your needs, the best.
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Medical insurance quotes are available online to anyone who is need of such coverage and does not want to have wait ages in order to find out how much it is going to cost. However when obtaining these types of quotes there are certain things that need to be considered.
The first of these being their medical history and the other is what insurance company they should be using. Should they go with a better-known large company or a much smaller relatively unknown one?
When you do decide to get medical insurance quotes you must understand that your medical history will dramatically affect how much you pay. Also the quote you get online will only be accurate if you provide specific and accurate information about your current health and previous health problems you may have suffered from. If any of the information that you provide is incorrect then this will change how much the quote is immediately.
Certainly for anyone who suffers from or has suffered from a major illness such as cancer or heart disease the premiums to be paid will be much higher. Also you are likely to find that the level of coverage provided is sketchier. Therefore it is wise to speak to an agent so that they can fully explain the conditions of the policy relating to such illnesses in far more detail.
When getting medical insurance quotes you can go to any insurer you want. However the policy will be completely useless if the company you go to isn't reputable. Make sure that you always select companies where they have received good ratings in relation to customer satisfaction and who have been involved in this area of insurance for a number of years.
Also make sure that you obtain several medical insurance quotes so that you can compare each one. It is important that you don't only look at the premiums being charged but what sort of coverage they offer. This way you can make a more informed decision with regards to policy you take out and it will help to ensure that you find a policy, which meets your needs, the best.
Medical insurance quotes are available online to anyone who is need of such coverage and does not want to have wait ages in order to find out how much it is going to cost. However when obtaining these types of quotes there are certain things that need to be considered.
The first of these being their medical history and the other is what insurance company they should be using. Should they go with a better-known large company or a much smaller relatively unknown one?
When you do decide to get medical insurance quotes you must understand that your medical history will dramatically affect how much you pay. Also the quote you get online will only be accurate if you provide specific and accurate information about your current health and previous health problems you may have suffered from. If any of the information that you provide is incorrect then this will change how much the quote is immediately.
Certainly for anyone who suffers from or has suffered from a major illness such as cancer or heart disease the premiums to be paid will be much higher. Also you are likely to find that the level of coverage provided is sketchier. Therefore it is wise to speak to an agent so that they can fully explain the conditions of the policy relating to such illnesses in far more detail.
When getting medical insurance quotes you can go to any insurer you want. However the policy will be completely useless if the company you go to isn't reputable. Make sure that you always select companies where they have received good ratings in relation to customer satisfaction and who have been involved in this area of insurance for a number of years.
Also make sure that you obtain several medical insurance quotes so that you can compare each one. It is important that you don't only look at the premiums being charged but what sort of coverage they offer. This way you can make a more informed decision with regards to policy you take out and it will help to ensure that you find a policy, which meets your needs, the best.
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When choosing an insurance service it is important to compare different options. With this comes the importance of knowing how to compare quotes. The advent of technology brought us a lot of options to compare insurance quotes. We can acquire these quotes either online, via phone or the conventional visit to an insurance provider. But the problem is the process of selecting the best one.
There is the need to find out more and to look for what you are getting for the amount you are paying. You will be checking the terms of the insurance, the customer service options, and whether premiums increase or not. In the case of life insurance or health insurance, you must make sure that you will be able to opt for the one which has the maximized benefits. As you compare insurance quotes for automobiles, it is vital that you check the additional benefits. Covering tow services, theft insurance among others are significant factors to consider. When we compare insurance quotes we must focus on both the price and the features.
Insurance quotes are designed to lure the consumers. Equipped with them are advertising tactics targeted to make you go choose their product. They have been extensively designed to be captivating. This mere fact gives us the difficulty to correctly compare quotes. Here are 4 tips on how to accurately compare insurance quotes.
Tip #1 - It is not just about the price, learn to scrutinize everything. Oftentimes we are lured to buy products with the smallest price tag. The same thing applies with insurance. The numbers in these quotes are oftentimes misleading. You must check everything - from the inclusion and benefits to the date of expiration. Use tables to compare and summarize the quote. Clarify things you are in doubt of.
Tip #2 - Complexity of insurance policy contracts is rarely reflected in insurance quotes. As you compare insurance cost, you are only comparing the visible surface of the insurance policy. Most insurance quotes cover less than 20% of the actual contract. It is in this that you must understand that whatever is presented in the insurance quotes do not tell everything about the insurance service. If possible, request from your insurance provider a copy of the insurance policy contract and have a legal consultation about it.
Tip #3 - Compare the quality of services. A common error committed as we compare insurance is the mentality that the more the benefits the better. Though this has some validity, it is undeniable that the quality of the service is more important than quantity. If one insurance policy lets you acquire the benefits with 3 day processing while the other one takes months to do so then it is obvious which one is of better.
Tip #4 - Work with an expert. The process in which we compare insurance quotes is very plain. The best thing is to consult with an independent insurance expert. They have the right knowledge and they will always be of great help when you compare insurance quotes. One major drawback of this is that the insurance expert of your choice might be tied with one of the companies and will work to make his company your insurance service.
The above tips will help you compare insurance. But in the end it is your good judgment that you must rely on. Learn to be vigilant and do not be seduced by the flowery words and the advertizing tactics of these insurance companies. Be careful when it comes to the way you compare insurance quotes so you can get the best.
When choosing an insurance service it is important to compare different options. With this comes the importance of knowing how to compare quotes. The advent of technology brought us a lot of options to compare insurance quotes. We can acquire these quotes either online, via phone or the conventional visit to an insurance provider. But the problem is the process of selecting the best one.
There is the need to find out more and to look for what you are getting for the amount you are paying. You will be checking the terms of the insurance, the customer service options, and whether premiums increase or not. In the case of life insurance or health insurance, you must make sure that you will be able to opt for the one which has the maximized benefits. As you compare insurance quotes for automobiles, it is vital that you check the additional benefits. Covering tow services, theft insurance among others are significant factors to consider. When we compare insurance quotes we must focus on both the price and the features.
Insurance quotes are designed to lure the consumers. Equipped with them are advertising tactics targeted to make you go choose their product. They have been extensively designed to be captivating. This mere fact gives us the difficulty to correctly compare quotes. Here are 4 tips on how to accurately compare insurance quotes.
Tip #1 - It is not just about the price, learn to scrutinize everything. Oftentimes we are lured to buy products with the smallest price tag. The same thing applies with insurance. The numbers in these quotes are oftentimes misleading. You must check everything - from the inclusion and benefits to the date of expiration. Use tables to compare and summarize the quote. Clarify things you are in doubt of.
Tip #2 - Complexity of insurance policy contracts is rarely reflected in insurance quotes. As you compare insurance cost, you are only comparing the visible surface of the insurance policy. Most insurance quotes cover less than 20% of the actual contract. It is in this that you must understand that whatever is presented in the insurance quotes do not tell everything about the insurance service. If possible, request from your insurance provider a copy of the insurance policy contract and have a legal consultation about it.
Tip #3 - Compare the quality of services. A common error committed as we compare insurance is the mentality that the more the benefits the better. Though this has some validity, it is undeniable that the quality of the service is more important than quantity. If one insurance policy lets you acquire the benefits with 3 day processing while the other one takes months to do so then it is obvious which one is of better.
Tip #4 - Work with an expert. The process in which we compare insurance quotes is very plain. The best thing is to consult with an independent insurance expert. They have the right knowledge and they will always be of great help when you compare insurance quotes. One major drawback of this is that the insurance expert of your choice might be tied with one of the companies and will work to make his company your insurance service.
The above tips will help you compare insurance. But in the end it is your good judgment that you must rely on. Learn to be vigilant and do not be seduced by the flowery words and the advertizing tactics of these insurance companies. Be careful when it comes to the way you compare insurance quotes so you can get the best.
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A person who has purchased his or her first automobile after saving for a long time may be forgiven for presuming that automobile insurance is an unnecessary expense. Why should anybody bother about any other form of insurance when compulsory third party coverage is a part of the vehicle registration fees? An Australian driver will not be permitted to use the vehicle on the road without obtaining CTP insurance.
Why bother finding a car insurance quote on the internet for any other form of insurance? Well, it is important to understand the level of protection that CTP insurance offers. The third party protection is restricted to personal injury alone. Simply put, this insurance policy will pay for any liability that arises due to any injury suffered by a third party in a car accident involving you. What are the chances of the third party suffering personal injury without any damage to the vehicle whatsoever? You will admit that any severe accident causing an injury to the other driver will automatically damage his or her vehicle as well.
If you are at fault, you will have to bear the cost of repair of the other individual's automobile as well. From where are you going to get money for this expenditure? Compulsory third party insurance required by the law will not cover this. This means that your decision to save money and opt for CTP insurance alone will actually enhance your risk. You will have to pay money for insurance but will enjoy very little returns in the long run.
Lowering the premium you pay today is only going to create complications later. Paying a higher premium will help you avoid financial ruin when an accident does occur. Considering the increase in vehicles on the road, chances of new drivers suffering an accident is always very high.
If you want to reduce the cost of protecting yourself from other risks, check out various websites that offer affordable car insurance quote. Assess your risk and choose the level of protection you want. Make sure that your liability towards third party is taken care of comprehensively. Other risks like fire, theft or damage to one's own vehicle can be adjusted and altered as and when required. You would do well to use the internet to educate yourself about the basics of automobile insurance before proceeding. Lack of knowledge is always going to be a dangerous problem for a new driver.
A person who has purchased his or her first automobile after saving for a long time may be forgiven for presuming that automobile insurance is an unnecessary expense. Why should anybody bother about any other form of insurance when compulsory third party coverage is a part of the vehicle registration fees? An Australian driver will not be permitted to use the vehicle on the road without obtaining CTP insurance.
Why bother finding a car insurance quote on the internet for any other form of insurance? Well, it is important to understand the level of protection that CTP insurance offers. The third party protection is restricted to personal injury alone. Simply put, this insurance policy will pay for any liability that arises due to any injury suffered by a third party in a car accident involving you. What are the chances of the third party suffering personal injury without any damage to the vehicle whatsoever? You will admit that any severe accident causing an injury to the other driver will automatically damage his or her vehicle as well.
If you are at fault, you will have to bear the cost of repair of the other individual's automobile as well. From where are you going to get money for this expenditure? Compulsory third party insurance required by the law will not cover this. This means that your decision to save money and opt for CTP insurance alone will actually enhance your risk. You will have to pay money for insurance but will enjoy very little returns in the long run.
Lowering the premium you pay today is only going to create complications later. Paying a higher premium will help you avoid financial ruin when an accident does occur. Considering the increase in vehicles on the road, chances of new drivers suffering an accident is always very high.
If you want to reduce the cost of protecting yourself from other risks, check out various websites that offer affordable car insurance quote. Assess your risk and choose the level of protection you want. Make sure that your liability towards third party is taken care of comprehensively. Other risks like fire, theft or damage to one's own vehicle can be adjusted and altered as and when required. You would do well to use the internet to educate yourself about the basics of automobile insurance before proceeding. Lack of knowledge is always going to be a dangerous problem for a new driver.
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Recently the medical establishment announced that the new normal blood sugar levels has been lowered. 100 to 125 mg/dL (5.5 to 6.9 mmol/L) is mildly abnormal and is called a borderline diabetic blood sugar level. This is very important information for a diabetic. The importance of this could be the difference between life and death. To understand this we must first expose the type 2 diabetes crisis that has hit the world. What was once considered a problem for the United States has now grown into a global crisis.
What prompted the lowering was that original borderline diabetes level was too high and many thought they were safe but in fact were not. A large number of people in the United States became diabetic with 18 months of being told they were on the borderline. This prompted the medical establishment to lower the number of what was considered safe. People were in danger and never realized it. Diabetes is a silent killer, it is slowly killing the cells of the pancreas. The sugar in the bloodstream is literally choking the life out the the diabetic. The bloodstream is coming polluted and it is affecting the circulation. Men may lose the ability to maintain an erection. Studies show the body without normal blood sugar levels is aging faster than one with a normal sugar range.
The lowering of the safety level is important to the diabetic, this is alerting more people that this dangerous and deadly disease is starting to kill their pancreas. Many health officials think that the lower level is still not enough. Some health researchers want the borderline level to be lowered at least another down even more. To those with borderline diabetes it is urgent to get normal blood sugar levels as it can save your life.
Recently the medical establishment announced that the new normal blood sugar levels has been lowered. 100 to 125 mg/dL (5.5 to 6.9 mmol/L) is mildly abnormal and is called a borderline diabetic blood sugar level. This is very important information for a diabetic. The importance of this could be the difference between life and death. To understand this we must first expose the type 2 diabetes crisis that has hit the world. What was once considered a problem for the United States has now grown into a global crisis.
What prompted the lowering was that original borderline diabetes level was too high and many thought they were safe but in fact were not. A large number of people in the United States became diabetic with 18 months of being told they were on the borderline. This prompted the medical establishment to lower the number of what was considered safe. People were in danger and never realized it. Diabetes is a silent killer, it is slowly killing the cells of the pancreas. The sugar in the bloodstream is literally choking the life out the the diabetic. The bloodstream is coming polluted and it is affecting the circulation. Men may lose the ability to maintain an erection. Studies show the body without normal blood sugar levels is aging faster than one with a normal sugar range.
The lowering of the safety level is important to the diabetic, this is alerting more people that this dangerous and deadly disease is starting to kill their pancreas. Many health officials think that the lower level is still not enough. Some health researchers want the borderline level to be lowered at least another down even more. To those with borderline diabetes it is urgent to get normal blood sugar levels as it can save your life.
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Many people talk about life insurance and why it's important, but there are still many misunderstandings regarding life insurance policies. Many people aren't sure if they need life insurance, and if they do- how much insurance is necessary? What kind of insurance?
Who Needs Life Insurance?
First of all, most people believe life insurance is taken out to pay for the burial expenses of the policyholder. And while this may be part of the reason people obtain life insurance, this is not what the insurance coverage is intended for! Life insurance is meant to replace the income that is lost by the policyholder's death, and to be used to pay for the needs of the deceased policyholder when you are no longer earning money to do so. If you have children or relatives who depend on your income, then you should have life insurance.
For young, single individuals with no dependents, there is really no need for life insurance. If you are an older individual with retirement savings or pension, it may not be necessary to have life insurance on top of the money that would become available to your spouse from your savings and pension.
Stay at home parents might think they don't need life insurance policies as they're not earning wages, but this is not the case. Consider how much it would cost to hire people to do all of the daily tasks you do- from day care, to housekeeping to financial management to grocery shopping, errand running and cooking. If you have a special needs family member, what would it cost to have special care arranged if you were not able to do it? Life insurance for a stay at home parent would allow the family to hire people in the event of your death to continue on doing the things you were routinely doing for the family.
As the wage earner of a family, your life insurance should replace your salary, plus pay off the mortgage, college tuitions for kids, or maybe career training for a spouse who might have to re-enter the workforce upon your untimely death.
Once you've determined you should have life insurance, your next step is to figure out how much life insurance you need. Having an estimated figure in mind will make it easier to select the appropriate life insurance policy.
Life Insurance Agents
Buying life insurance is similar to buying car insurance. You work with insurance agents who will help you weigh the options and make a decision as to the type of policy you should have. When searching for life insurance agents, you will want to talk to at least three different agents in order to make sure you get a good understanding of the options available. Shopping around is important.
If at any point while talking to a life insurance agent about the different policy options you feel like they are rushing you or pressuring you to buy a larger policy than you need, or they simply aren't taking the time to explain things to you, it is in your best interest to walk away. Life insurance agents are supposed to explain the options and help you understand your own needs and how life insurance can help- then back off to let you make your own decisions pertaining to the type and amount of insurance policy you wish to carry. These are important considerations because many life insurance agents are paid on commission, so it is in their tendency to push higher priced policies on consumers.
Many people talk about life insurance and why it's important, but there are still many misunderstandings regarding life insurance policies. Many people aren't sure if they need life insurance, and if they do- how much insurance is necessary? What kind of insurance?
Who Needs Life Insurance?
First of all, most people believe life insurance is taken out to pay for the burial expenses of the policyholder. And while this may be part of the reason people obtain life insurance, this is not what the insurance coverage is intended for! Life insurance is meant to replace the income that is lost by the policyholder's death, and to be used to pay for the needs of the deceased policyholder when you are no longer earning money to do so. If you have children or relatives who depend on your income, then you should have life insurance.
For young, single individuals with no dependents, there is really no need for life insurance. If you are an older individual with retirement savings or pension, it may not be necessary to have life insurance on top of the money that would become available to your spouse from your savings and pension.
Stay at home parents might think they don't need life insurance policies as they're not earning wages, but this is not the case. Consider how much it would cost to hire people to do all of the daily tasks you do- from day care, to housekeeping to financial management to grocery shopping, errand running and cooking. If you have a special needs family member, what would it cost to have special care arranged if you were not able to do it? Life insurance for a stay at home parent would allow the family to hire people in the event of your death to continue on doing the things you were routinely doing for the family.
As the wage earner of a family, your life insurance should replace your salary, plus pay off the mortgage, college tuitions for kids, or maybe career training for a spouse who might have to re-enter the workforce upon your untimely death.
Once you've determined you should have life insurance, your next step is to figure out how much life insurance you need. Having an estimated figure in mind will make it easier to select the appropriate life insurance policy.
Life Insurance Agents
Buying life insurance is similar to buying car insurance. You work with insurance agents who will help you weigh the options and make a decision as to the type of policy you should have. When searching for life insurance agents, you will want to talk to at least three different agents in order to make sure you get a good understanding of the options available. Shopping around is important.
If at any point while talking to a life insurance agent about the different policy options you feel like they are rushing you or pressuring you to buy a larger policy than you need, or they simply aren't taking the time to explain things to you, it is in your best interest to walk away. Life insurance agents are supposed to explain the options and help you understand your own needs and how life insurance can help- then back off to let you make your own decisions pertaining to the type and amount of insurance policy you wish to carry. These are important considerations because many life insurance agents are paid on commission, so it is in their tendency to push higher priced policies on consumers.
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Gestational diabetes also known as Gestational Diet Mellitus (GDM) is a condition in which a woman who normally doesn't have sugar, gets diabetic during her pregnancy. This diabetic condition now occurs widely throughout the world, 5% of all pregnant women have gestational diabetes, and the mother has nothing to worry about her delivery or her child as long as she keeps the sugar levels under control. The sugar levels should be closely monitored to avoid complications during the delivery period.
A hormone called insulin is responsible for getting the glucose from the blood into the cells of your body. If you are diabetic, then your body is not producing as much insulin as is required, or your cells are not using it the way it should be used.
If the gestational diabetes is in the mild stage then it can be controlled purely through proper diet. In some cases where the diabetes is in a more progressed state you may have to take insulin to bring your blood sugar levels under control. Your physician will know what to do, and when a diet needs to be followed, he will draft out the diet taking into account your present eating habits making sure that you get all the necessary vitamins and nutrients.
General Guidelines:
Eat a variety of foods and make sure that most of your calorie content comes from carbohydrates and foods that are rich in fiber.
It is recommended by the American Diabetes Association to eat three small to moderate sized meals per day and two to four snacks every day. It is also advisable to have a bedtime snack just before you get into bed.
Never skip meal. Your blood sugar level will be consistent if your meals and calories are distributed evenly throughout the day.
Meals should be taken around the same time every day.
Do not wait till you are burning with hunger to start eating. When you do eat like this, your blood sugar levels will rocket up.
Restrict your intake of foods and juices that are rich in simple sugar like sodas, colas and fruit juices. These foods will quickly raise your sugar levels so limit their intake or if possible avoid them altogether. Instead of drinking fruit juices, you can eat fresh fruits which are also rich in fiber. Also, milk contains lactose which is a form of sugar. So if you drink more than two glasses of milk a day you may need to think for another source of calcium and avoid drinking more that two glasses of milk a day.
Get some exercise. It need not be something that is strenuous and physically exerting. A simple walk after your meals has been shown to work wonders on gestational diabetes.
Drink lots of water to maintain the body's water levels.
Continuously monitor your body's blood sugar levels and keep a record of them.
Sample Diet:
Mild cases of gestational diabetes can be controlled by proper dieting. We are looking for reducing the amount of fat, simple sugar and salt consumption and increasing the amount of complex carbohydrates and fiber rich foods. According to the American Diabetes Association, less than 30% of the total calorie count should come from fats, no more than 10% to 20% of the total calorie count from proteins, and around 50% of the calories should come from carbohydrates and fiber rich food stuffs like whole grains, fruits and vegetables.
A day's calorie intake can be divided into six small meals to make sure that the calories are distributed evenly throughout the day.
Meal 1:
When you wake up in the morning your blood sugar levels will normally be low. To start your day, a small high protein meal that includes meat and a food that is rich in carbohydrates like whole grain toast will be good. Wash it down with a glass of milk or a cup of low calorie yogurt.
Meal 2:
Vegetable sticks with a low calorie dip, whole wheat crackers, and small servings of fruits or cottage cheese will be ideal for the second meal of your day. This will keep you fill till it is time for your lunch.
Meal 3:
Choose a meal that is rich in proteins like garden vegetable salad or whole grain pasta or pita bread.
Meal 4:
Meal 4 mainly comprises of fruits and vegetables. Vegetable or fruit juices with a dash of cheese and whole grain bagel will make a quick, tasty and healthy snack.
Meal 5:
A whole grain wrap stuffed with chicken and salad is a good meal. You can dress this up with a drizzle of a salad of your choice or you can treat yourself with a sugar free cookie.
Meal 6:
When you are up for more than three hours after having your dinner, you sugar levels will start to dip. An apple or a whole grain muffin or a few peanut crackers with a cup of milk will be an ideal bed time snack.
As you would have surmised, with proper diet and exercise as advised by your doctor it is easy to fight gestational diabetes.
Gestational diabetes also known as Gestational Diet Mellitus (GDM) is a condition in which a woman who normally doesn't have sugar, gets diabetic during her pregnancy. This diabetic condition now occurs widely throughout the world, 5% of all pregnant women have gestational diabetes, and the mother has nothing to worry about her delivery or her child as long as she keeps the sugar levels under control. The sugar levels should be closely monitored to avoid complications during the delivery period.
A hormone called insulin is responsible for getting the glucose from the blood into the cells of your body. If you are diabetic, then your body is not producing as much insulin as is required, or your cells are not using it the way it should be used.
If the gestational diabetes is in the mild stage then it can be controlled purely through proper diet. In some cases where the diabetes is in a more progressed state you may have to take insulin to bring your blood sugar levels under control. Your physician will know what to do, and when a diet needs to be followed, he will draft out the diet taking into account your present eating habits making sure that you get all the necessary vitamins and nutrients.
General Guidelines:
Eat a variety of foods and make sure that most of your calorie content comes from carbohydrates and foods that are rich in fiber.
It is recommended by the American Diabetes Association to eat three small to moderate sized meals per day and two to four snacks every day. It is also advisable to have a bedtime snack just before you get into bed.
Never skip meal. Your blood sugar level will be consistent if your meals and calories are distributed evenly throughout the day.
Meals should be taken around the same time every day.
Do not wait till you are burning with hunger to start eating. When you do eat like this, your blood sugar levels will rocket up.
Restrict your intake of foods and juices that are rich in simple sugar like sodas, colas and fruit juices. These foods will quickly raise your sugar levels so limit their intake or if possible avoid them altogether. Instead of drinking fruit juices, you can eat fresh fruits which are also rich in fiber. Also, milk contains lactose which is a form of sugar. So if you drink more than two glasses of milk a day you may need to think for another source of calcium and avoid drinking more that two glasses of milk a day.
Get some exercise. It need not be something that is strenuous and physically exerting. A simple walk after your meals has been shown to work wonders on gestational diabetes.
Drink lots of water to maintain the body's water levels.
Continuously monitor your body's blood sugar levels and keep a record of them.
Sample Diet:
Mild cases of gestational diabetes can be controlled by proper dieting. We are looking for reducing the amount of fat, simple sugar and salt consumption and increasing the amount of complex carbohydrates and fiber rich foods. According to the American Diabetes Association, less than 30% of the total calorie count should come from fats, no more than 10% to 20% of the total calorie count from proteins, and around 50% of the calories should come from carbohydrates and fiber rich food stuffs like whole grains, fruits and vegetables.
A day's calorie intake can be divided into six small meals to make sure that the calories are distributed evenly throughout the day.
Meal 1:
When you wake up in the morning your blood sugar levels will normally be low. To start your day, a small high protein meal that includes meat and a food that is rich in carbohydrates like whole grain toast will be good. Wash it down with a glass of milk or a cup of low calorie yogurt.
Meal 2:
Vegetable sticks with a low calorie dip, whole wheat crackers, and small servings of fruits or cottage cheese will be ideal for the second meal of your day. This will keep you fill till it is time for your lunch.
Meal 3:
Choose a meal that is rich in proteins like garden vegetable salad or whole grain pasta or pita bread.
Meal 4:
Meal 4 mainly comprises of fruits and vegetables. Vegetable or fruit juices with a dash of cheese and whole grain bagel will make a quick, tasty and healthy snack.
Meal 5:
A whole grain wrap stuffed with chicken and salad is a good meal. You can dress this up with a drizzle of a salad of your choice or you can treat yourself with a sugar free cookie.
Meal 6:
When you are up for more than three hours after having your dinner, you sugar levels will start to dip. An apple or a whole grain muffin or a few peanut crackers with a cup of milk will be an ideal bed time snack.
As you would have surmised, with proper diet and exercise as advised by your doctor it is easy to fight gestational diabetes.
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Photography can be a good hobby but also a form of artistic expression. Find out how your photography can be transformed from ordinary to incredible by following the advice in the below article. This article will guide you through the basics of photography, and help you develop and hone your skills.
If you are designated as the principle coordinator of an upcoming photo shoot, take care to make notes about what each person hopes to achieve in the final results. Having a list in place will keep you calm and organized in the midst of a wedding, holiday party or other special event.
While many photographers prefer to emphasize landscapes from a distance, viewers often focus on the foreground instead. Create a nice foreground in your shot to make your picture look more deep and to frame in more intimately.
In most situations, you need to make a choice between setting your exposure to favor the highlights of a picture or its shadows. Good photo software will let you take two pictures demonstrating each effect, and blend them to create the perfect balance of both.
Don't miss a single opportunity to take a photograph just because you don't have the time, even if you do have your camera. When you see the perfect spot make a note describing the location and return at a more convenient time. Be prepared with pen and paper at all times so you can jot down the information needed to find your way back to the area.
Learn all about your camera to get the most out of it. Carve out some time to really study the ins and outs of your camera.
When you are just getting started taking wedding photos you should take some candid shots of the minor details, like a makeup bag of a flower. Sometimes you will get some fantastic shots that are unexpected.
Find the type of equipment that works best for you if you want to make photography your lifetime hobby. Although a lot of professionals might prefer certain brands, there are many other manufacturers that can provide similar results.
When trying to take a good photograph, keep your technique simple. Often the best pictures are the ones that you take naturally, without worrying about all the extras.
When you are new to photography, it is very important to know how to use the white balance. Each light produces a shade, so in order to get what you want in your shots, have proper lighting.
Envision lines that run vertically and horizontally, separating the image you see into one-third sections. To create a remarkable photo, your subject should be positioned at the intersection of these lines, rather than centered in the photo.
Focus on things that affect exposure, like film speed, shutter speed, and aperture. Find out more about exposure and you will be able to give an atmosphere to your pictures.
Understanding how to focus a camera and proper light use, are very important to giving you a great looking picture. Learn to portray your world through photography by experimenting with lighting techniques, focus control and creative composition.
Photography can be a good hobby but also a form of artistic expression. Find out how your photography can be transformed from ordinary to incredible by following the advice in the below article. This article will guide you through the basics of photography, and help you develop and hone your skills.
If you are designated as the principle coordinator of an upcoming photo shoot, take care to make notes about what each person hopes to achieve in the final results. Having a list in place will keep you calm and organized in the midst of a wedding, holiday party or other special event.
While many photographers prefer to emphasize landscapes from a distance, viewers often focus on the foreground instead. Create a nice foreground in your shot to make your picture look more deep and to frame in more intimately.
In most situations, you need to make a choice between setting your exposure to favor the highlights of a picture or its shadows. Good photo software will let you take two pictures demonstrating each effect, and blend them to create the perfect balance of both.
Don't miss a single opportunity to take a photograph just because you don't have the time, even if you do have your camera. When you see the perfect spot make a note describing the location and return at a more convenient time. Be prepared with pen and paper at all times so you can jot down the information needed to find your way back to the area.
Learn all about your camera to get the most out of it. Carve out some time to really study the ins and outs of your camera.
When you are just getting started taking wedding photos you should take some candid shots of the minor details, like a makeup bag of a flower. Sometimes you will get some fantastic shots that are unexpected.
Find the type of equipment that works best for you if you want to make photography your lifetime hobby. Although a lot of professionals might prefer certain brands, there are many other manufacturers that can provide similar results.
When trying to take a good photograph, keep your technique simple. Often the best pictures are the ones that you take naturally, without worrying about all the extras.
When you are new to photography, it is very important to know how to use the white balance. Each light produces a shade, so in order to get what you want in your shots, have proper lighting.
Envision lines that run vertically and horizontally, separating the image you see into one-third sections. To create a remarkable photo, your subject should be positioned at the intersection of these lines, rather than centered in the photo.
Focus on things that affect exposure, like film speed, shutter speed, and aperture. Find out more about exposure and you will be able to give an atmosphere to your pictures.
Understanding how to focus a camera and proper light use, are very important to giving you a great looking picture. Learn to portray your world through photography by experimenting with lighting techniques, focus control and creative composition.
http://feeds.feedburner.com/GreatWallpaperWebsite?format=xml
Street photography is just one place where you can use your Canon Rebel digital SLR camera as a imaginative tool. However the camera is just half of the equation. Additionally you have to have a good Canon Rebel lens, and one of the 50mm versions will measure up with regard to that element. There are three possibilities, those being the f/1.2, f/1/4, and f/1.8.
Your choice of which one of these lenses just isn't as critical as it might seem, considering the difference in cost. The f/1.8 will be the cheapest bargain at about $100. Plus the costs rise to around $350 for the f/1.4 and over $1000 for the f/1.2. Granted, the quality of build is definitely different, but the high quality of photography can be extremely close with all three.
There is one more hurdle along with obtaining proper gear. If you're not comfortable talking with strangers, this could be a struggle for you to talk to a complete stranger in order to request permission to get their picture, nevertheless, after you have done it more than once, it is easier. This will be very true when you realize the wonderful results. Street pictures are much more interesting than your standard family portrait. That is, unless of course your Granddad Lamont or Auntie Louise is as fascinating as a lot of the street residents you will come across in the downtown areas and shopping malls.
There are five things that you can use to make it easier to be able to acquire those great shots after you manage the problem of shyness.
1. Never ever venture out without having your camera. We all do it, but it is a better plan to keep on telling oneself that you should never set off without it. After several weeks of bringing the digital camera each time you leave house or office, and it's going to become second nature. Absolutely nothing (well, almost nothing) worse than arriving upon a fantastic photo op on the street when you do not have the photography equipment on hand. And this does not necessarily mean that you have to tote the whole camera bag along with you. You simply need your Rebel and dependable Canon Rebel lens.
2. You want to keep Canon 50mm lens on the dslr camera. There are a couple of advantages of making use of this lens rather than one of many other choices. First, the 50mm is a practically perfect portrait lens because of the great quality and great aperture. And next, it is small and light. It does not wear you out carrying it for a number of hours. Plus, many people will probably be put off by a giant, showy piece of glass.
3. Avoid the use of your flash. You will get natural photos without a flash, and also on the street, this is especially true. You can make use of the large aperture of the 50mm lens to obtain a nice quick shutter speed, and if the brightness is very low, just boost the ISO of the Canon Rebel to speed up the shutter.
4. Be ready before you ask permission. Ensure all of your dslr camera settings are correct previous to walking towards your subject. It could possibly mess up your possibilities when you have to stop and set mess with the camera whilst the individual is awkwardly waiting.
5. Have your model release forms accessible. If you intend to use your pictures in some public location, you will need to obtain a release from your individual. The good news is that there's currently an app for your iPad and the iPhone just for this. It is possible to go digital!
That's it. You, too, can be quite a street photographer. Get out there and shoot!
Street photography is just one place where you can use your Canon Rebel digital SLR camera as a imaginative tool. However the camera is just half of the equation. Additionally you have to have a good Canon Rebel lens, and one of the 50mm versions will measure up with regard to that element. There are three possibilities, those being the f/1.2, f/1/4, and f/1.8.
Your choice of which one of these lenses just isn't as critical as it might seem, considering the difference in cost. The f/1.8 will be the cheapest bargain at about $100. Plus the costs rise to around $350 for the f/1.4 and over $1000 for the f/1.2. Granted, the quality of build is definitely different, but the high quality of photography can be extremely close with all three.
There is one more hurdle along with obtaining proper gear. If you're not comfortable talking with strangers, this could be a struggle for you to talk to a complete stranger in order to request permission to get their picture, nevertheless, after you have done it more than once, it is easier. This will be very true when you realize the wonderful results. Street pictures are much more interesting than your standard family portrait. That is, unless of course your Granddad Lamont or Auntie Louise is as fascinating as a lot of the street residents you will come across in the downtown areas and shopping malls.
There are five things that you can use to make it easier to be able to acquire those great shots after you manage the problem of shyness.
1. Never ever venture out without having your camera. We all do it, but it is a better plan to keep on telling oneself that you should never set off without it. After several weeks of bringing the digital camera each time you leave house or office, and it's going to become second nature. Absolutely nothing (well, almost nothing) worse than arriving upon a fantastic photo op on the street when you do not have the photography equipment on hand. And this does not necessarily mean that you have to tote the whole camera bag along with you. You simply need your Rebel and dependable Canon Rebel lens.
2. You want to keep Canon 50mm lens on the dslr camera. There are a couple of advantages of making use of this lens rather than one of many other choices. First, the 50mm is a practically perfect portrait lens because of the great quality and great aperture. And next, it is small and light. It does not wear you out carrying it for a number of hours. Plus, many people will probably be put off by a giant, showy piece of glass.
3. Avoid the use of your flash. You will get natural photos without a flash, and also on the street, this is especially true. You can make use of the large aperture of the 50mm lens to obtain a nice quick shutter speed, and if the brightness is very low, just boost the ISO of the Canon Rebel to speed up the shutter.
4. Be ready before you ask permission. Ensure all of your dslr camera settings are correct previous to walking towards your subject. It could possibly mess up your possibilities when you have to stop and set mess with the camera whilst the individual is awkwardly waiting.
5. Have your model release forms accessible. If you intend to use your pictures in some public location, you will need to obtain a release from your individual. The good news is that there's currently an app for your iPad and the iPhone just for this. It is possible to go digital!
That's it. You, too, can be quite a street photographer. Get out there and shoot!
http://feeds.feedburner.com/GreatWallpaperWebsite?format=xml
One of the most captivating trends in modern photography is the maternity photo. There was a time when pregnant women were secreted away so that they would not be seen as they neared term. Where such an antiquated practice came from is uncertain, but thankfully we have moved beyond that to a place where we can openly admire and appreciate the beauty, energy, and life-force of a pregnant woman.
The belly of a pregnant woman provides a natural focal point for any photograph. Whether clothed or exposed, that baby bump says that new life is taking place. A Toronto photographer usually experiences a combination of awe, humility, and excitement while taking maternity pictures. Even in a still photo with very little background, there is so much going on, and there is always a keen awareness that one more is present with the mom and the photographer.
A good maternity photographer will be able to capture the radiant beauty of the pregnant mother in a way that is natural and unstaged. Once the baby is born, pictures of the pregnant mother and the newborn baby can be juxtaposed to create a wonderful testimony to the miracle of life as it unfolds.
If you are looking for a maternity photographer in Toronto, you will want to consider one who will come to your home or take pictures of you outside in nature or even in the middle of the city, if you desire. A Toronto photographer who will only take pictures of you at the studio may provide a lovely set of portraits, but they will lack the vibrancy that photos taken as you interact with your natural surroundings can provide. In addition, you will want to express your personal style so it can illuminate all of your maternity photographs. If they are taken at a studio, your photographs will run the risk of looking just like everyone else's.
Consider, too, having pictures taken in a setting where pictures can be taken of the baby after the birth. A picture of you in the empty nursery will look stunning next to a picture of you with your newborn in the same nursery. A photo of you on the bed can be a nice compliment to a picture of your baby lying on the same bed. Your Toronto photographer will also have many suggestion based on things that have and have not worked so well in the past.
You are about to embark on one of the greatest adventures of your life, trust your Toronto photographer to capture your excitement, eagerness, anxiety, and beauty in photographs made especially for you and your baby.
One of the most captivating trends in modern photography is the maternity photo. There was a time when pregnant women were secreted away so that they would not be seen as they neared term. Where such an antiquated practice came from is uncertain, but thankfully we have moved beyond that to a place where we can openly admire and appreciate the beauty, energy, and life-force of a pregnant woman.
The belly of a pregnant woman provides a natural focal point for any photograph. Whether clothed or exposed, that baby bump says that new life is taking place. A Toronto photographer usually experiences a combination of awe, humility, and excitement while taking maternity pictures. Even in a still photo with very little background, there is so much going on, and there is always a keen awareness that one more is present with the mom and the photographer.
A good maternity photographer will be able to capture the radiant beauty of the pregnant mother in a way that is natural and unstaged. Once the baby is born, pictures of the pregnant mother and the newborn baby can be juxtaposed to create a wonderful testimony to the miracle of life as it unfolds.
If you are looking for a maternity photographer in Toronto, you will want to consider one who will come to your home or take pictures of you outside in nature or even in the middle of the city, if you desire. A Toronto photographer who will only take pictures of you at the studio may provide a lovely set of portraits, but they will lack the vibrancy that photos taken as you interact with your natural surroundings can provide. In addition, you will want to express your personal style so it can illuminate all of your maternity photographs. If they are taken at a studio, your photographs will run the risk of looking just like everyone else's.
Consider, too, having pictures taken in a setting where pictures can be taken of the baby after the birth. A picture of you in the empty nursery will look stunning next to a picture of you with your newborn in the same nursery. A photo of you on the bed can be a nice compliment to a picture of your baby lying on the same bed. Your Toronto photographer will also have many suggestion based on things that have and have not worked so well in the past.
You are about to embark on one of the greatest adventures of your life, trust your Toronto photographer to capture your excitement, eagerness, anxiety, and beauty in photographs made especially for you and your baby.
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Location, location, location - before you can even begin to shoot for a wedding you will need to consider the location, i.e. you will need to visit the venue first to scout out the spots from where you will take the photos. You need to familiarize yourself with the wedding and reception venue both inside and out, just to be on the safe side.
Because wedding photography is very challenging, even if you've attended some of the more popular venues as a wedding guest, it is highly doubtful that you will recall what they were like even to the smallest details. Here is something a photographer would consider: the light, space and various shooting points. This is the preparation stage that is most important and very often overlooked by many wedding photographers.
On the day of the wedding other fundamentals come into play such as the good old unpredictable Irish weather, so follow the weather forecast to decide what type of shoot it will be, will it be overcast or sunny? You ought to re-visit some of the venues during the time of the day that you hope to be shooting on the day of the wedding. This gets you familiar with the light conditions inside and outside the venue. Better still plan to visit the wedding venue a month, a week and a day before the wedding date - this allows you to get familiar with the sun's positioning and the light patterns of the sun's rays and shadows.
Take your time so as to try and figure out the best times to take the pictures and what different spots would make the best possible backdrops to achieve the best wedding images for your clients.
When first visiting the wedding venue, you should always also take your camera with you on the location visits, make sure you move about to explore and take some test shots, take a note pad with you and write down the exposure and settings from all different angles, this way you can refer to them at a later date in preparation for the wedding day. Try and envisage the space you will be in, scout for unique shooting positions and ask the priest where you can and can't go in the church and most importantly- ask them do they permit flash photography? Try and get the ceremony pamphlet from the couple so as to know the order of the ceremony, this is a great reference and can guide your shooting positions as the service is on.
Being prepared means gathering as much information and knowledge as you possibly can beforehand so you can take memorable shots for your clients.
Location, location, location - before you can even begin to shoot for a wedding you will need to consider the location, i.e. you will need to visit the venue first to scout out the spots from where you will take the photos. You need to familiarize yourself with the wedding and reception venue both inside and out, just to be on the safe side.
Because wedding photography is very challenging, even if you've attended some of the more popular venues as a wedding guest, it is highly doubtful that you will recall what they were like even to the smallest details. Here is something a photographer would consider: the light, space and various shooting points. This is the preparation stage that is most important and very often overlooked by many wedding photographers.
On the day of the wedding other fundamentals come into play such as the good old unpredictable Irish weather, so follow the weather forecast to decide what type of shoot it will be, will it be overcast or sunny? You ought to re-visit some of the venues during the time of the day that you hope to be shooting on the day of the wedding. This gets you familiar with the light conditions inside and outside the venue. Better still plan to visit the wedding venue a month, a week and a day before the wedding date - this allows you to get familiar with the sun's positioning and the light patterns of the sun's rays and shadows.
Take your time so as to try and figure out the best times to take the pictures and what different spots would make the best possible backdrops to achieve the best wedding images for your clients.
When first visiting the wedding venue, you should always also take your camera with you on the location visits, make sure you move about to explore and take some test shots, take a note pad with you and write down the exposure and settings from all different angles, this way you can refer to them at a later date in preparation for the wedding day. Try and envisage the space you will be in, scout for unique shooting positions and ask the priest where you can and can't go in the church and most importantly- ask them do they permit flash photography? Try and get the ceremony pamphlet from the couple so as to know the order of the ceremony, this is a great reference and can guide your shooting positions as the service is on.
Being prepared means gathering as much information and knowledge as you possibly can beforehand so you can take memorable shots for your clients.
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Hummingbirds are amazing little birds. They are the only birds that can fly backwards. They can also fly upside down and side ways. They have beautiful iridescent colors and are almost irresistible to photographers. However, they can be a challenge to photograph. This is article is meant as a guide for beginners when taking pictures of these speedy little birds.
· First of all, you need to know where to find the hummingbirds. If you don't already have a hummingbird feeder, I would recommend that you buy one. Hummingbirds are very highly attracted to tubular type flowers but may do a "fly by" on different varieties. However, because there is not as much "food" in each flower, they will be darting quickly from flower to flower. If you have a hummingbird feeder, they will stay in one location much longer. They will get used to that feeder having food all the time and will be coming and going all day.
· Now you need to position yourself in the right location for the best pictures. Hummingbirds, like any other bird will frighten off easily, but I have found that if you will be very still and wait for a few minutes, they will return to the feeder. I prefer to take pictures of hummingbirds in bright sun. Their feathers have an iridescent color, which just glows in bright sun. Position yourself where you can take pictures while the sun is shinning directly on the bird. Depending on what type of lens you have as to how close you can get to the birds. Standing very still, I have had them come within inches of me while I was refilling the feeder.
· There are several pieces of equipment that you will need. I would recommend using a zoom or telephoto lens so you can get a good close-up shot without disturbing the hummingbirds too much. The farther away you are, the more comfortable they are going to be. I would also recommend using a tripod or monopod. If your lens has an image stabilizer on it, be sure it is turned on. You want your picture to be as sharp as possible in case you want to crop it. Using your built-in flash will help to freeze the motion of the wings, however, a hot shoe flash will usually do a better job as they tend to be faster. I personally like to see a little blur of the wings as is shows motion and to me is just a little more interesting.
· Use the auto-focus, AF, setting on your camera. This will allow the camera to refocus on the hummingbird as it is darting around. This is harder than it sounds, as they are so fast. Keep an eye on where the bird tends to hover while waiting for another drink. It is also going to be helpful to use the center AF point for focusing. Try to keep that center point on your subject as much as possible.
· You will also need to use a high ISO and shutter speed. I would recommend an ISO of about 400 and a shutter speed of 1/800. If you go too high on either setting you are going to get too much "noise" and your picture will look grainy.
· One of the most important things you are going to do to be successful while photographing hummingbirds is to take a lot of pictures! These little speed demons are so fast, you are going to have to take a lot of pictures to get a few good ones. I have taken as many as 100 pictures, to get 2 or 3 really good shots. Set your camera up so it will take pictures in "bursts". You can hold down the shutter button and it will take 4-5 pictures one right after the other.
Hummingbirds are beautiful and amazing creatures. Hummingbird photography is definitely going to be a bit of a challenge, but well worth the effort when you get those one or two great shots. You may not be successful on your first attempt, but don't give up, with a little time and patience you will succeed!
Hummingbirds are amazing little birds. They are the only birds that can fly backwards. They can also fly upside down and side ways. They have beautiful iridescent colors and are almost irresistible to photographers. However, they can be a challenge to photograph. This is article is meant as a guide for beginners when taking pictures of these speedy little birds.
· First of all, you need to know where to find the hummingbirds. If you don't already have a hummingbird feeder, I would recommend that you buy one. Hummingbirds are very highly attracted to tubular type flowers but may do a "fly by" on different varieties. However, because there is not as much "food" in each flower, they will be darting quickly from flower to flower. If you have a hummingbird feeder, they will stay in one location much longer. They will get used to that feeder having food all the time and will be coming and going all day.
· Now you need to position yourself in the right location for the best pictures. Hummingbirds, like any other bird will frighten off easily, but I have found that if you will be very still and wait for a few minutes, they will return to the feeder. I prefer to take pictures of hummingbirds in bright sun. Their feathers have an iridescent color, which just glows in bright sun. Position yourself where you can take pictures while the sun is shinning directly on the bird. Depending on what type of lens you have as to how close you can get to the birds. Standing very still, I have had them come within inches of me while I was refilling the feeder.
· There are several pieces of equipment that you will need. I would recommend using a zoom or telephoto lens so you can get a good close-up shot without disturbing the hummingbirds too much. The farther away you are, the more comfortable they are going to be. I would also recommend using a tripod or monopod. If your lens has an image stabilizer on it, be sure it is turned on. You want your picture to be as sharp as possible in case you want to crop it. Using your built-in flash will help to freeze the motion of the wings, however, a hot shoe flash will usually do a better job as they tend to be faster. I personally like to see a little blur of the wings as is shows motion and to me is just a little more interesting.
· Use the auto-focus, AF, setting on your camera. This will allow the camera to refocus on the hummingbird as it is darting around. This is harder than it sounds, as they are so fast. Keep an eye on where the bird tends to hover while waiting for another drink. It is also going to be helpful to use the center AF point for focusing. Try to keep that center point on your subject as much as possible.
· You will also need to use a high ISO and shutter speed. I would recommend an ISO of about 400 and a shutter speed of 1/800. If you go too high on either setting you are going to get too much "noise" and your picture will look grainy.
· One of the most important things you are going to do to be successful while photographing hummingbirds is to take a lot of pictures! These little speed demons are so fast, you are going to have to take a lot of pictures to get a few good ones. I have taken as many as 100 pictures, to get 2 or 3 really good shots. Set your camera up so it will take pictures in "bursts". You can hold down the shutter button and it will take 4-5 pictures one right after the other.
Hummingbirds are beautiful and amazing creatures. Hummingbird photography is definitely going to be a bit of a challenge, but well worth the effort when you get those one or two great shots. You may not be successful on your first attempt, but don't give up, with a little time and patience you will succeed!
Friday, January 13, 2012
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I covered myself with moisturizer, stepped into the stall, pulled the door shut behind me, grabbed the overhead straps and WHOOSH... sun lamps flooded all sides of my body. As their warmth gently enfolded me, a fan whirred overhead, keeping the temperature at a very happy level.
Suddenly the lamps shut off; my three minutes were up. Sadly, I stepped out of my sun stall, put my sweats on over my lubricated body and went home to take a real shower.
No I am not insane; just better informed, healthier, and slightly more tan than I was yesterday.
For the past seven years, I have relentlessly studied the known, probable and possible causes of invasive breast cancer. In 2007 I created a national non-profit organization that teaches women lots of safe, effective and inexpensive ways to help stop breast cancer before it can start.
I soon discovered research on how increasing vitamin D3, the sunshine vitamin, is a powerful way to strengthen your body's ability to block the growth of any breast tumors, not to mention prevent or relieve asthma, allergies, some skin conditions, colon cancer, depression and auto immune diseases. After completing a more extensive review of the vitamin D3 literature, I understood that maintaining a tan throughout the year, while supplementing with vitamin D3 can be the most effective way to raise and maintain blood levels to a protective level. Once you get enough of this special vitamin, (it's actually a hormone that our bodies synthesize from UVB tanning rays) your immune system gets stronger and stronger.
Over the past twenty years, dozens of research biologists and epidemiologists have understood that one major reason New England women have higher breast cancer rates than women living in southern states, is because the northern winter sun's UVB rays are too weak to enable the skin to produce vitamin D3.
A few years ago, Cedric Garland, an epidemiologist at the Moores Cancer Center in San Diego, found that raising vitamin D3 blood levels to 60ng/ml-80ng/ml makes breast cells interlock or stick together, enabling healthy cells to knock out any neighboring mutated or pre-cancerous cells through a process called apoptosis. Using this knowledge, computer models indicate that breast cancer will become a rare disease within the next 20 years, once women are able to reach and maintain that magical 60-80 ng/ml vitamin D3 blood level.
Dr. Joseph Mercola M.D., founder of mercola.com., the leading natural health website with 1.4 million subscribers, and Dr. Marc Sorenson, director of the Sunlight Institute, believe that maintaining a tan, using outdoor and indoor light sources, is the most efficient and effective way to raise and maintain these protective D3 levels. According to a 2004 study by Michael Holick, the nationally known Vitamin D3 researcher at Boston University, people who used indoor tanning had vitamin D3 levels 90% higher than people who avoided sun lamps. Holick's tanners also had significantly higher bone mineral density than their un-tanned or pale-face peers.
So ignore those TV ads by sunscreen manufacturers and those magazine articles (paid for by the same advertisers) about the need to use sunscreen all the time. Chemical sunscreens, a $640 million business in the U.S. alone, block UVB rays, the very rays we need to naturally make vitamin D3. Constant use of chemical sunscreens, by children and adults alike, can also block their ability to develop a decent tan, the one natural sunburn protection enjoyed by our ancestors for centuries.
Holick recommends that light-skinned people who burn, but never tan, use an umbrella in the summer for best protection. Since their pale skin does not block any UVB rays, they actually produce vitamin D3 very efficiently! Reflective sun light and supplements are all these pale faces need to reach significant D3 blood levels.
But those of us who tan easily, especially African Americans, Italians, Greeks, and Hispanics, need much more outdoor and indoor unprotected tanning time because it takes our darker and darkening skin tones longer to absorb enough of those UVB rays to create healthy vitamin D3 levels.
What about melanoma? Recent studies show that people with the highest risk for this deadly skin cancer include folks who drink a lot of alcohol every day, don't eat many leafy green vegetables, and/or have low vitamin D3 levels.
"As more and more Americans work indoors full time, and as more sunblock is used each year, U.S. melanoma rates continue to sky rocket; but people with high levels of vitamin D3, do not develop melanoma," said the Sunlight Institute's Sorenson.
Once U.S. doctors begin to understand the incredible immune support offered by higher vitamin D3 levels, they may stop recommending sunscreen 24-7 to all of their patients. As physicians begin to focus more on preventing disease naturally, instead of quoting corporately-supported pro-sunscreen articles, they will hopefully encourage their patients to become nourished by UVB rays, sensibly gained through limited outside and indoor tanning sessions.
I covered myself with moisturizer, stepped into the stall, pulled the door shut behind me, grabbed the overhead straps and WHOOSH... sun lamps flooded all sides of my body. As their warmth gently enfolded me, a fan whirred overhead, keeping the temperature at a very happy level.
Suddenly the lamps shut off; my three minutes were up. Sadly, I stepped out of my sun stall, put my sweats on over my lubricated body and went home to take a real shower.
No I am not insane; just better informed, healthier, and slightly more tan than I was yesterday.
For the past seven years, I have relentlessly studied the known, probable and possible causes of invasive breast cancer. In 2007 I created a national non-profit organization that teaches women lots of safe, effective and inexpensive ways to help stop breast cancer before it can start.
I soon discovered research on how increasing vitamin D3, the sunshine vitamin, is a powerful way to strengthen your body's ability to block the growth of any breast tumors, not to mention prevent or relieve asthma, allergies, some skin conditions, colon cancer, depression and auto immune diseases. After completing a more extensive review of the vitamin D3 literature, I understood that maintaining a tan throughout the year, while supplementing with vitamin D3 can be the most effective way to raise and maintain blood levels to a protective level. Once you get enough of this special vitamin, (it's actually a hormone that our bodies synthesize from UVB tanning rays) your immune system gets stronger and stronger.
Over the past twenty years, dozens of research biologists and epidemiologists have understood that one major reason New England women have higher breast cancer rates than women living in southern states, is because the northern winter sun's UVB rays are too weak to enable the skin to produce vitamin D3.
A few years ago, Cedric Garland, an epidemiologist at the Moores Cancer Center in San Diego, found that raising vitamin D3 blood levels to 60ng/ml-80ng/ml makes breast cells interlock or stick together, enabling healthy cells to knock out any neighboring mutated or pre-cancerous cells through a process called apoptosis. Using this knowledge, computer models indicate that breast cancer will become a rare disease within the next 20 years, once women are able to reach and maintain that magical 60-80 ng/ml vitamin D3 blood level.
Dr. Joseph Mercola M.D., founder of mercola.com., the leading natural health website with 1.4 million subscribers, and Dr. Marc Sorenson, director of the Sunlight Institute, believe that maintaining a tan, using outdoor and indoor light sources, is the most efficient and effective way to raise and maintain these protective D3 levels. According to a 2004 study by Michael Holick, the nationally known Vitamin D3 researcher at Boston University, people who used indoor tanning had vitamin D3 levels 90% higher than people who avoided sun lamps. Holick's tanners also had significantly higher bone mineral density than their un-tanned or pale-face peers.
So ignore those TV ads by sunscreen manufacturers and those magazine articles (paid for by the same advertisers) about the need to use sunscreen all the time. Chemical sunscreens, a $640 million business in the U.S. alone, block UVB rays, the very rays we need to naturally make vitamin D3. Constant use of chemical sunscreens, by children and adults alike, can also block their ability to develop a decent tan, the one natural sunburn protection enjoyed by our ancestors for centuries.
Holick recommends that light-skinned people who burn, but never tan, use an umbrella in the summer for best protection. Since their pale skin does not block any UVB rays, they actually produce vitamin D3 very efficiently! Reflective sun light and supplements are all these pale faces need to reach significant D3 blood levels.
But those of us who tan easily, especially African Americans, Italians, Greeks, and Hispanics, need much more outdoor and indoor unprotected tanning time because it takes our darker and darkening skin tones longer to absorb enough of those UVB rays to create healthy vitamin D3 levels.
What about melanoma? Recent studies show that people with the highest risk for this deadly skin cancer include folks who drink a lot of alcohol every day, don't eat many leafy green vegetables, and/or have low vitamin D3 levels.
"As more and more Americans work indoors full time, and as more sunblock is used each year, U.S. melanoma rates continue to sky rocket; but people with high levels of vitamin D3, do not develop melanoma," said the Sunlight Institute's Sorenson.
Once U.S. doctors begin to understand the incredible immune support offered by higher vitamin D3 levels, they may stop recommending sunscreen 24-7 to all of their patients. As physicians begin to focus more on preventing disease naturally, instead of quoting corporately-supported pro-sunscreen articles, they will hopefully encourage their patients to become nourished by UVB rays, sensibly gained through limited outside and indoor tanning sessions.
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Indications are that red clover extract can behave in such a manner as to inhibit estrogen, but also increase the production and spread of ER positive breast cancer cells.
Now this is where it gets confusing.
Because it seems that, depending on the situation, this herb can either promote or prevent cancer.
An isoflavone present in red clover called biochina a is believed to protect the body from developing breast cancer. So far nothing is written in stone because there still have to be more studies done to evaluate and determine whether or not this information is accurate.
On the other hand, it has been shown that when it comes to prostate cancer, red clover actually prevented the growth and development of normal prostate cells, and took things a step further by increasing the resistance of cancerous prostate cells to high dose radiation.
So for patients with prostate cancer, the last thing they want to do is take red clover.
In favor of red clover, there is a theory that isoflavones protect against breast cancer, as with biochina a, but there is still the possibility that they can have an adverse effect on breast tissue, leading to the development of this type of cancer.
In at least one study, indications are that the effects of red clover's isoflavone supplement did not add to mammography breast density, compared to other studies in which it has shown that hormone replacement treatments do increase mammography breast density.
Let's clear this up: mammographic breast density has been tied to the risk of breast cancer. Other evidence shows that breast density increases when a woman has hormone replacement therapy (hrt) and will then decrease when such therapy is stopped.
Also, in the interest of their own protection, women with a history of breast cancer, which also includes those who have undergone major breast surgery, should not take it.
Indications are that HRT is tied into a greater risk for breast cancer and also an increase in mammography breast density.
Soy and phytoestrogens have been proposed as potential natural alternatives to HRT, but none of this has been proven as yet.
However, it is worth stressing that there is still a strong likelihood that red clover and breast cancer are linked together.
It is usually recommended that patients with hormone-sensitive cancers not take red clover because it can raise estrogen levels. These include estrogen receptor-positive breast cancer and ovarian cancer.
Patients suffering from any estrogen-sensitive diseases should avoid the herb too. In other words, play it safe. Until further studies are completed, this is the best advice that can be given.
To learn more about red clover and breast cancer, as well as reviews on supplements for women in menopause, please visit my website today.
Ruolan is an advocate and researcher on the benefits of all natural supplements for menopausal symptoms. Visit her website to learn well-researched facts and her honest reviews on menopause supplements on the market.
Indications are that red clover extract can behave in such a manner as to inhibit estrogen, but also increase the production and spread of ER positive breast cancer cells.
Now this is where it gets confusing.
Because it seems that, depending on the situation, this herb can either promote or prevent cancer.
An isoflavone present in red clover called biochina a is believed to protect the body from developing breast cancer. So far nothing is written in stone because there still have to be more studies done to evaluate and determine whether or not this information is accurate.
On the other hand, it has been shown that when it comes to prostate cancer, red clover actually prevented the growth and development of normal prostate cells, and took things a step further by increasing the resistance of cancerous prostate cells to high dose radiation.
So for patients with prostate cancer, the last thing they want to do is take red clover.
In favor of red clover, there is a theory that isoflavones protect against breast cancer, as with biochina a, but there is still the possibility that they can have an adverse effect on breast tissue, leading to the development of this type of cancer.
In at least one study, indications are that the effects of red clover's isoflavone supplement did not add to mammography breast density, compared to other studies in which it has shown that hormone replacement treatments do increase mammography breast density.
Let's clear this up: mammographic breast density has been tied to the risk of breast cancer. Other evidence shows that breast density increases when a woman has hormone replacement therapy (hrt) and will then decrease when such therapy is stopped.
Also, in the interest of their own protection, women with a history of breast cancer, which also includes those who have undergone major breast surgery, should not take it.
Indications are that HRT is tied into a greater risk for breast cancer and also an increase in mammography breast density.
Soy and phytoestrogens have been proposed as potential natural alternatives to HRT, but none of this has been proven as yet.
However, it is worth stressing that there is still a strong likelihood that red clover and breast cancer are linked together.
It is usually recommended that patients with hormone-sensitive cancers not take red clover because it can raise estrogen levels. These include estrogen receptor-positive breast cancer and ovarian cancer.
Patients suffering from any estrogen-sensitive diseases should avoid the herb too. In other words, play it safe. Until further studies are completed, this is the best advice that can be given.
To learn more about red clover and breast cancer, as well as reviews on supplements for women in menopause, please visit my website today.
Ruolan is an advocate and researcher on the benefits of all natural supplements for menopausal symptoms. Visit her website to learn well-researched facts and her honest reviews on menopause supplements on the market.
http://feeds.feedburner.com/NiceHealthyGuideWebsite?format=xml
Many women diagnosed with breast cancer will undergo a surgical procedure, called a mastectomy, to remove one or both breasts. After the mastectomy, some women will choose to undergo reconstruction surgery to rebuild the shape and appearance of the breast. Often, breast reconstruction surgery can be performed immediately following the mastectomy. This procedure occurs during the same operating room visit as the mastectomy so that the patient does not need to come back for more surgery.
With a mastectomy, all of the breast tissue and often, some surrounding tissue, are removed. Sometimes both breasts are removed, often as a preventive surgery for women who are at high risk for developing breast cancer. Losing one or both breasts can be both physically and emotionally devastating to the patient. Fortunately, many women are able to undergo reconstructive surgery to give them the pre-surgery appearance they desire.
Women who want reconstruction can choose to have it done while they are still under anesthesia from the mastectomy. Recent studies have concluded that immediate reconstruction does not delay post-operative chemotherapy, increase recovery time or hinder the diagnosis of local cancer reoccurrence. Many women choose to have reconstruction immediately after mastectomy so that the entire process is complete with one surgical experience.
Breast reconstruction helps to restore symmetry to the patient who has lost a breast to a mastectomy. In addition to rebuilding the lost tissue, the remaining breast may undergo a lift, reduction or augmentation to improve the symmetry of both breasts. Your surgeon will be able to make recommendations for a natural and balanced look that will help you feel confident and secure.
During this procedure, the surgeon may use skin and fat from your abdomen and back to reconstruct the breast mound. A saline or silicone gel implant may be used in combination with this technique. The method used will often be determined by your anatomy, desired results and personal preferences. It is important to note that the patient will not have the same sensation in the reconstructed breast as a natural one. It will feel different or unnatural, depending on the implant used. The patient will notice visible incision lines from the mastectomy and reconstruction.
Losing one or more breasts to cancer can be a very emotional experience. Often, a woman's breasts are closely related to her self-esteem and sexual confidence. With immediate reconstruction, the woman does not have to worry with breast prostheses or other devices that give the illusion of breasts. Reconstruction ensures that the woman has the shape and figure that will allow her to wear the clothes she wants and feel confident with her appearance.
Not all cancer centers have qualified surgeons that are able to provide reconstruction in conjunction with a mastectomy. You will need to talk with your cancer specialists about your desire for this procedure to determine what options are available for you. Your physician will be able to go over the risks and benefits of reconstruction immediately following a mastectomy.
Breast cancer treatment can have a big impact on a woman's emotional and physical health. It is important that you get the care and treatment you require to fight this disease and to live as a survivor. Breast reconstruction is one way to help women feel better about their post-cancer body and improve their quality of life.
Many women diagnosed with breast cancer will undergo a surgical procedure, called a mastectomy, to remove one or both breasts. After the mastectomy, some women will choose to undergo reconstruction surgery to rebuild the shape and appearance of the breast. Often, breast reconstruction surgery can be performed immediately following the mastectomy. This procedure occurs during the same operating room visit as the mastectomy so that the patient does not need to come back for more surgery.
With a mastectomy, all of the breast tissue and often, some surrounding tissue, are removed. Sometimes both breasts are removed, often as a preventive surgery for women who are at high risk for developing breast cancer. Losing one or both breasts can be both physically and emotionally devastating to the patient. Fortunately, many women are able to undergo reconstructive surgery to give them the pre-surgery appearance they desire.
Women who want reconstruction can choose to have it done while they are still under anesthesia from the mastectomy. Recent studies have concluded that immediate reconstruction does not delay post-operative chemotherapy, increase recovery time or hinder the diagnosis of local cancer reoccurrence. Many women choose to have reconstruction immediately after mastectomy so that the entire process is complete with one surgical experience.
Breast reconstruction helps to restore symmetry to the patient who has lost a breast to a mastectomy. In addition to rebuilding the lost tissue, the remaining breast may undergo a lift, reduction or augmentation to improve the symmetry of both breasts. Your surgeon will be able to make recommendations for a natural and balanced look that will help you feel confident and secure.
During this procedure, the surgeon may use skin and fat from your abdomen and back to reconstruct the breast mound. A saline or silicone gel implant may be used in combination with this technique. The method used will often be determined by your anatomy, desired results and personal preferences. It is important to note that the patient will not have the same sensation in the reconstructed breast as a natural one. It will feel different or unnatural, depending on the implant used. The patient will notice visible incision lines from the mastectomy and reconstruction.
Losing one or more breasts to cancer can be a very emotional experience. Often, a woman's breasts are closely related to her self-esteem and sexual confidence. With immediate reconstruction, the woman does not have to worry with breast prostheses or other devices that give the illusion of breasts. Reconstruction ensures that the woman has the shape and figure that will allow her to wear the clothes she wants and feel confident with her appearance.
Not all cancer centers have qualified surgeons that are able to provide reconstruction in conjunction with a mastectomy. You will need to talk with your cancer specialists about your desire for this procedure to determine what options are available for you. Your physician will be able to go over the risks and benefits of reconstruction immediately following a mastectomy.
Breast cancer treatment can have a big impact on a woman's emotional and physical health. It is important that you get the care and treatment you require to fight this disease and to live as a survivor. Breast reconstruction is one way to help women feel better about their post-cancer body and improve their quality of life.
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Most of us know that the most important creature of the world women are at life-time risk of developing breast cancer due to various factors among them some are in control, but others are not in control and play a vital role to affect the life of women by causing some of the symptoms that don't appear at initial stage.
In most of the cases these symptoms remain passive and appear at later stage when they can't be managed easily with number of treatment options. It is essential to be in touch with breasts for women to catch these symptoms earlier.
How to Recognize Breast Cancer Symptoms?
There are different ways to catch the breast cancer symptoms at initial stage such as self-examination, clinical examination, breast cancer screening etc. Each type has the advantages and the basic purpose of all these methods is the same and that is to detect the cancer as soon as possible after it attacks a woman.
The emphasis on early detection is due to the fact that it is the only way to treat cancer successfully and to raise the survival rate. Self-examination is the most convenient and easy to do method for getting information about the most delicate and important body part breast.
Women can get adequate information about breast by performing regular self-examination at least once a month as information about breasts will be useful not only to detect the symptoms of breast cancer, but also to catch the other abnormalities that can lead to develop breast cancer.
Self-examination can be performed in the privacy of room without seeking the help of any body. The only thing that is required to perform effective self-examination is the women must be keen observer so that they can distinguish normal and abnormal changes. Another benefit of self-examination is that women have clear idea of how her breasts look and feel normally and it is one of the most important things for women to recognize the breast cancer symptoms.
Breast Cancer Symptoms
These symptoms are observed by most of the women during self-examination
· Skin changes such as appearance of wrinkles and puckers on breast skin.
· Changes of size and shape in some cases it is natural for one breast to be larger than the other one, but in case of sudden change it is essential to know the reason.
· Pain in breast that is persistent and does not go away after some medication as well.
· Nipple changes such as inversion or ulceration.
· Fluid discharge from nipple
· Lump formation in the armpit or any area of breast
· Swelling in any part of breast or in the armpit
Most of us know that the most important creature of the world women are at life-time risk of developing breast cancer due to various factors among them some are in control, but others are not in control and play a vital role to affect the life of women by causing some of the symptoms that don't appear at initial stage.
In most of the cases these symptoms remain passive and appear at later stage when they can't be managed easily with number of treatment options. It is essential to be in touch with breasts for women to catch these symptoms earlier.
How to Recognize Breast Cancer Symptoms?
There are different ways to catch the breast cancer symptoms at initial stage such as self-examination, clinical examination, breast cancer screening etc. Each type has the advantages and the basic purpose of all these methods is the same and that is to detect the cancer as soon as possible after it attacks a woman.
The emphasis on early detection is due to the fact that it is the only way to treat cancer successfully and to raise the survival rate. Self-examination is the most convenient and easy to do method for getting information about the most delicate and important body part breast.
Women can get adequate information about breast by performing regular self-examination at least once a month as information about breasts will be useful not only to detect the symptoms of breast cancer, but also to catch the other abnormalities that can lead to develop breast cancer.
Self-examination can be performed in the privacy of room without seeking the help of any body. The only thing that is required to perform effective self-examination is the women must be keen observer so that they can distinguish normal and abnormal changes. Another benefit of self-examination is that women have clear idea of how her breasts look and feel normally and it is one of the most important things for women to recognize the breast cancer symptoms.
Breast Cancer Symptoms
These symptoms are observed by most of the women during self-examination
· Skin changes such as appearance of wrinkles and puckers on breast skin.
· Changes of size and shape in some cases it is natural for one breast to be larger than the other one, but in case of sudden change it is essential to know the reason.
· Pain in breast that is persistent and does not go away after some medication as well.
· Nipple changes such as inversion or ulceration.
· Fluid discharge from nipple
· Lump formation in the armpit or any area of breast
· Swelling in any part of breast or in the armpit
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"Belinda", a woman in her middle years, recently learned that she has breast cancer. She switched to a raw foods diet and immediately started losing weight. She also started seeing different therapists. I explained to her that EFT could help her clear any conflicts that she was having, including any blocks she has to healing.
Though Belinda lives close enough that we could have done a session in person, we decided to do a phone session to save time. The way that I like doing EFT is to get to the biggest underlying issue, and for Belinda her biggest conflict centered around spending so much time taking care of her elderly parents that she hasn't allowed time to take care of herself. The intensity of the conflict was a 10, and when I asked her where it was located in her body, she replied that it felt the most intense in her throat and third eye. Then she noticed that it had become entangled in all of her chakras.
When we did up the set-up phrases we included statements such as, "Even though:
There is a part of me that doesn't think this is going to work, I love and accept myself.
I doubt that this will work...
It's a juggling act with a few too many balls in the air...
I have this conflict with taking care of my parents and not taking care of myself.
I haven't been taking care of myself...
During the first round, we used "It's a juggling act" as her reminder phrase. I could hear her laughing when she repeated, "It's a juggling act." After each round of tapping I asked about the intensity level in her chakras, reminding her that it had been a 10 when we started. At the end of the first round, the intensity dropped from a 10 to an 8. We talked a little more, and it seemed that it might have continued to drop, so I repeated my question. It had dropped to a 6.
To determine what her "sweet spots" were, I asked which of the points that she had tapped on felt particularly good. She came up with four points that stood out for her (her collarbone, side of the eye, above the lip and the top of the head). I told her that in the future, when feeling any anxiety or frustration, she can tap or press on her sweet spots for instant relief.
The next round of tapping brought the intensity down to a 4. I could hear her yawning over the phone. I reminded her that yawning is a release. She said that she was feeling more relaxed as she tapped.
On the third round, she tapped on all the responsibilities that she had with her parents, and how she had forgotten about herself. She also shared how she hadn't taken care of herself, and that she would eat a carton of Häagen-Dazs ice cream for dinner. One of her set-up phrases was, "Even though I used to eat a carton of Häagen-Dazs for dinner, I love and accept myself." At one point as we were tapping, Belinda blurted out, "I'm important!" and so we finished the round with her tapping on "I'm important!" Her intensity dropped to a 2.
Belinda shared with me how she was getting other people involved with all of the jobs that she had been doing for her folks. She was going to continue to lessen her load and shifting her focus to taking good care of herself.
With her final round of tapping, we didn't use any set-up phrases (because the intensity was less than 3). We started with, "I am important!" I encouraged her to come up with her own affirmations as we tapped. The affirmations included:
I am important
I remember I am important
I take good care of myself
I count
I make time for fun (she really liked this one)
The cancer is dissolving as we speak
We have fun at my Titty Party (she had told me she was going to have a breast party)
I am healthy
I am whole and complete
Belinda was really laughing after this last round. Her intensity dropped down to 0. She said that she was feeling really relaxed. I asked if she was familiar with Louise Hay's work, and she said she had several of her books. I shared this affirmation that Louise uses for breast problems.
Caregivers have to remember to take good care of themselves or they can end up getting sick themselves. It truly is a balancing act to take care of oneself and to take care of parents. Belinda is learning how balance her own life with her obligations of taking care of her parents. Now she has EFT as a tool with which to help herself.
"Belinda", a woman in her middle years, recently learned that she has breast cancer. She switched to a raw foods diet and immediately started losing weight. She also started seeing different therapists. I explained to her that EFT could help her clear any conflicts that she was having, including any blocks she has to healing.
Though Belinda lives close enough that we could have done a session in person, we decided to do a phone session to save time. The way that I like doing EFT is to get to the biggest underlying issue, and for Belinda her biggest conflict centered around spending so much time taking care of her elderly parents that she hasn't allowed time to take care of herself. The intensity of the conflict was a 10, and when I asked her where it was located in her body, she replied that it felt the most intense in her throat and third eye. Then she noticed that it had become entangled in all of her chakras.
When we did up the set-up phrases we included statements such as, "Even though:
There is a part of me that doesn't think this is going to work, I love and accept myself.
I doubt that this will work...
It's a juggling act with a few too many balls in the air...
I have this conflict with taking care of my parents and not taking care of myself.
I haven't been taking care of myself...
During the first round, we used "It's a juggling act" as her reminder phrase. I could hear her laughing when she repeated, "It's a juggling act." After each round of tapping I asked about the intensity level in her chakras, reminding her that it had been a 10 when we started. At the end of the first round, the intensity dropped from a 10 to an 8. We talked a little more, and it seemed that it might have continued to drop, so I repeated my question. It had dropped to a 6.
To determine what her "sweet spots" were, I asked which of the points that she had tapped on felt particularly good. She came up with four points that stood out for her (her collarbone, side of the eye, above the lip and the top of the head). I told her that in the future, when feeling any anxiety or frustration, she can tap or press on her sweet spots for instant relief.
The next round of tapping brought the intensity down to a 4. I could hear her yawning over the phone. I reminded her that yawning is a release. She said that she was feeling more relaxed as she tapped.
On the third round, she tapped on all the responsibilities that she had with her parents, and how she had forgotten about herself. She also shared how she hadn't taken care of herself, and that she would eat a carton of Häagen-Dazs ice cream for dinner. One of her set-up phrases was, "Even though I used to eat a carton of Häagen-Dazs for dinner, I love and accept myself." At one point as we were tapping, Belinda blurted out, "I'm important!" and so we finished the round with her tapping on "I'm important!" Her intensity dropped to a 2.
Belinda shared with me how she was getting other people involved with all of the jobs that she had been doing for her folks. She was going to continue to lessen her load and shifting her focus to taking good care of herself.
With her final round of tapping, we didn't use any set-up phrases (because the intensity was less than 3). We started with, "I am important!" I encouraged her to come up with her own affirmations as we tapped. The affirmations included:
I am important
I remember I am important
I take good care of myself
I count
I make time for fun (she really liked this one)
The cancer is dissolving as we speak
We have fun at my Titty Party (she had told me she was going to have a breast party)
I am healthy
I am whole and complete
Belinda was really laughing after this last round. Her intensity dropped down to 0. She said that she was feeling really relaxed. I asked if she was familiar with Louise Hay's work, and she said she had several of her books. I shared this affirmation that Louise uses for breast problems.
Caregivers have to remember to take good care of themselves or they can end up getting sick themselves. It truly is a balancing act to take care of oneself and to take care of parents. Belinda is learning how balance her own life with her obligations of taking care of her parents. Now she has EFT as a tool with which to help herself.
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Breast cancer and birth control pills seem to be related closely since both are concerned with a common user, women. Many studies conducted the world over claim that the two are related. But so far, no link has been established to support such claims.
Birth control pills are contraceptive pills used by women to put off unplanned pregnancies. The main ingredients of the pill are female hormones estrogen and progesterone. These hormones when ingested work in order to control the function of uterus and ovaries by preventing the process of ovulation. If no eggs are available for fertilization, conception will not occur. The pill also ensures that the mucus lining of the cervix gets thickened and hence, does not permit entry of the sperms into the uterus.
Breast cancer occurs due to multiplication of the cells in the tissues of the breast, thus forming tumors. The contributing factors for this tumor are probably life-style or other genetic factors. The female hormones enhance the multiplication of cells resulting in the formation of tumors.
Birth control pills were introduced as a method of contraception in the 1960s and are still regarded one of the safest means. Studies conducted on oral pills for contraception have brought out contradictory reports. Some doctors believe that the hormones used now as compared to those used in earlier times for preparing these pills are different. These increase the risk of cancer. When the ingestion is stopped, the chances of getting cancer also get minimized.
Chances of occurrence of cancer in women who have a family history of breast cancer are higher. According to a study presented by the American Medical Association, women who take contraceptive pills and have a family history of breast caner are almost eleven times more susceptible of getting breast cancer. Many scientists believe that this could have been true till 1975 since the pills produced till then had high progesterone and estrogen levels.
Some studies state that women aged 35 years and above and consuming these pills have a higher chance of developing breast cancer. Since the pill is hormone based, the side effects of consuming it will exist. In many cases, while the main intent of preventing unwanted pregnancies is achieved, side effects like breast cancer may come by.
Medicines have different effects on different bodies depending on the individual's constitution. Although contraceptive pills have not been proved to cause cancer, it could do so in some women depending on their body reaction to such pills.
Breast cancer and birth control pills seem to be related closely since both are concerned with a common user, women. Many studies conducted the world over claim that the two are related. But so far, no link has been established to support such claims.
Birth control pills are contraceptive pills used by women to put off unplanned pregnancies. The main ingredients of the pill are female hormones estrogen and progesterone. These hormones when ingested work in order to control the function of uterus and ovaries by preventing the process of ovulation. If no eggs are available for fertilization, conception will not occur. The pill also ensures that the mucus lining of the cervix gets thickened and hence, does not permit entry of the sperms into the uterus.
Breast cancer occurs due to multiplication of the cells in the tissues of the breast, thus forming tumors. The contributing factors for this tumor are probably life-style or other genetic factors. The female hormones enhance the multiplication of cells resulting in the formation of tumors.
Birth control pills were introduced as a method of contraception in the 1960s and are still regarded one of the safest means. Studies conducted on oral pills for contraception have brought out contradictory reports. Some doctors believe that the hormones used now as compared to those used in earlier times for preparing these pills are different. These increase the risk of cancer. When the ingestion is stopped, the chances of getting cancer also get minimized.
Chances of occurrence of cancer in women who have a family history of breast cancer are higher. According to a study presented by the American Medical Association, women who take contraceptive pills and have a family history of breast caner are almost eleven times more susceptible of getting breast cancer. Many scientists believe that this could have been true till 1975 since the pills produced till then had high progesterone and estrogen levels.
Some studies state that women aged 35 years and above and consuming these pills have a higher chance of developing breast cancer. Since the pill is hormone based, the side effects of consuming it will exist. In many cases, while the main intent of preventing unwanted pregnancies is achieved, side effects like breast cancer may come by.
Medicines have different effects on different bodies depending on the individual's constitution. Although contraceptive pills have not been proved to cause cancer, it could do so in some women depending on their body reaction to such pills.
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It has become usual for people to tell the world about the causes that are close to their hearts through jewelry and various forms of accessories. What was once a colored ribbon pin has altered into other decorative yet issue-conscious touches like breast cancer wristbands. A cancer wristband raises awareness and money for the fight against breast cancer. It is one of the best new fundraisers for the said kind of cancer. It's most likely the one you'll see everywhere. It is typically colored pink simply because it is the most appropriate color for a wristband, symbolizing feminine strength.
More than a means to raise money and awareness, a breast cancer wristband is also an emblem of caring. Apart from being a splendid adornment, it is also economical that even kids can afford to purchase them. It only costs a few dollars. No doubt, you'll surely be doing something of brilliant value if you get all of your friends to buy one of these wristbands.
Historically, this style of bracelet began with Lance Armstrong's yellow "Live Strong" design that raised funds for general cancer research, and other styles quickly followed. They became popular for they are cheap, yet stylish and many give one hundred percent of the proceeds to their respective causes. For your convenience, they can now be purchased online or from any trusted retailer. More often than not, they display messages, like "Love - Hope - Faith", "Support Breast Cancer Research and Education" and the like, embossed on them. In addition to pink, they may also come in different colors, depending on the association or charitable trust that promote them.
Just like anyone suffering from any sort of illness, women who suffer from this particular cancer, likewise need all the support they can get. The more people who wear cancer wristbands would mean that more people are aware of the disease and are willing to remember and support all those who have died due to this disease. They pay tribute to all the survivors of this disease; people who have lived through the disease and survived it should never be forgotten. Sometimes they are bought by families in order to support a member of the family who suffers from such disease. With every member supporting a breast cancer patient in a family, a great difference is made in terms of morale on the patient's side as well as the family members'.
In general, breast cancer wristbands are beneficial in two ways, namely:
a. Wearing a breast cancer wristband is a good way to make a statement and help a worthy cause
b. Organizations raise millions of dollars every year to aid win the fight against cancer by selling these wristbands
Indeed, YOU can make a difference; YOU can help! Purchasing and wearing these wristbands imply that there are steps taken and a quest for information on the disease is there, which may favor research. Not to mention, it adds pressure on the government to provide more funds for breast cancer.
It has become usual for people to tell the world about the causes that are close to their hearts through jewelry and various forms of accessories. What was once a colored ribbon pin has altered into other decorative yet issue-conscious touches like breast cancer wristbands. A cancer wristband raises awareness and money for the fight against breast cancer. It is one of the best new fundraisers for the said kind of cancer. It's most likely the one you'll see everywhere. It is typically colored pink simply because it is the most appropriate color for a wristband, symbolizing feminine strength.
More than a means to raise money and awareness, a breast cancer wristband is also an emblem of caring. Apart from being a splendid adornment, it is also economical that even kids can afford to purchase them. It only costs a few dollars. No doubt, you'll surely be doing something of brilliant value if you get all of your friends to buy one of these wristbands.
Historically, this style of bracelet began with Lance Armstrong's yellow "Live Strong" design that raised funds for general cancer research, and other styles quickly followed. They became popular for they are cheap, yet stylish and many give one hundred percent of the proceeds to their respective causes. For your convenience, they can now be purchased online or from any trusted retailer. More often than not, they display messages, like "Love - Hope - Faith", "Support Breast Cancer Research and Education" and the like, embossed on them. In addition to pink, they may also come in different colors, depending on the association or charitable trust that promote them.
Just like anyone suffering from any sort of illness, women who suffer from this particular cancer, likewise need all the support they can get. The more people who wear cancer wristbands would mean that more people are aware of the disease and are willing to remember and support all those who have died due to this disease. They pay tribute to all the survivors of this disease; people who have lived through the disease and survived it should never be forgotten. Sometimes they are bought by families in order to support a member of the family who suffers from such disease. With every member supporting a breast cancer patient in a family, a great difference is made in terms of morale on the patient's side as well as the family members'.
In general, breast cancer wristbands are beneficial in two ways, namely:
a. Wearing a breast cancer wristband is a good way to make a statement and help a worthy cause
b. Organizations raise millions of dollars every year to aid win the fight against cancer by selling these wristbands
Indeed, YOU can make a difference; YOU can help! Purchasing and wearing these wristbands imply that there are steps taken and a quest for information on the disease is there, which may favor research. Not to mention, it adds pressure on the government to provide more funds for breast cancer.
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Have you made your personal peace with the 2009 U.S. Preventative Services Task Force recommendations that annual breast screening should begin at age 50, rather than the previously recommended age of 40? Well, not so fast. Here comes another set of recommendations, this time brought to you by the American College of Obstetricians and Gynecologists (ACOG). The ACOG is recommending that doctors should offer all women in their 40s the chance to get annual mammograms.
The crux of the difference between the two groups recommendations is the age at which annual mammograms should begin - age 40 or age 50? Unlike the ACOG, the USPSTF's recommendations are based upon a broad comprehensive look at the numbers, numbers which clearly fire up emotions when we inevitably associate them with our loved one's. Dr. Michael LeFevre, from the USPSTF, breaks it down like this:
It's about balancing the benefits and the harms of a test. LeFevre explains that of every 1,000 40-year-old women, 30 would be expected to ultimately die of breast cancer if they never had a mammogram. If those 1,000 women are screened every other year between age 50 and 75, (as recommended by USPSTF), that number drops to 23 deaths. Starting screening in the same group at 40 instead would save one additional life, meaning 22 would die of breast cancer, on average.
What if that one additional life is our's!?
Part of the numbers analysis is all those women getting annual mammograms from age 40-50 who are not saved from breast cancer in the process but who potentially suffer through numerous false-positives and painful biopsies, and who potentially increase their risk of developing breast cancer due to the cumulative radiation exposure that comes with an additional 10 years of annual mammograms. Dr. Nancy Snyderman, NBC's chief medical editor, further point outs that because most women's estrogen levels are still fairly high at age 40, their breast tissue is still generally quite dense, making it hard to distinguish irregularities on a mammogram. So are mammograms the best method of monitoring women's breast health before age 5o?
One woman writes into the Today Show's mammogram Q&A section with the following:
"Does anyone else ever look down at their breasts like they are ticking time-bombs?"
That was definitely me prior to my prophylactic double mastectomy. Now I wasn't your "average" woman with an average risk of developing breast cancer, not as a BRCA2 carrier whose grandmother, mother, aunt and sisters had all battled breast cancer. It was upon learning that I was BRCA positive that I finally felt like I had the specifics I needed to make the decision that was best for me. For most women, those at "average" risk of developing breast cancer, there are little or no specifics, just fear. Disagreements between those we look to for guidance just adds to our anxiety.
What do you think about the lack of unity in voice regarding mammogram guidelines? Does it discourage you? Confuse you? Impact your decisions regarding your own breast screening?
Have you made your personal peace with the 2009 U.S. Preventative Services Task Force recommendations that annual breast screening should begin at age 50, rather than the previously recommended age of 40? Well, not so fast. Here comes another set of recommendations, this time brought to you by the American College of Obstetricians and Gynecologists (ACOG). The ACOG is recommending that doctors should offer all women in their 40s the chance to get annual mammograms.
The crux of the difference between the two groups recommendations is the age at which annual mammograms should begin - age 40 or age 50? Unlike the ACOG, the USPSTF's recommendations are based upon a broad comprehensive look at the numbers, numbers which clearly fire up emotions when we inevitably associate them with our loved one's. Dr. Michael LeFevre, from the USPSTF, breaks it down like this:
It's about balancing the benefits and the harms of a test. LeFevre explains that of every 1,000 40-year-old women, 30 would be expected to ultimately die of breast cancer if they never had a mammogram. If those 1,000 women are screened every other year between age 50 and 75, (as recommended by USPSTF), that number drops to 23 deaths. Starting screening in the same group at 40 instead would save one additional life, meaning 22 would die of breast cancer, on average.
What if that one additional life is our's!?
Part of the numbers analysis is all those women getting annual mammograms from age 40-50 who are not saved from breast cancer in the process but who potentially suffer through numerous false-positives and painful biopsies, and who potentially increase their risk of developing breast cancer due to the cumulative radiation exposure that comes with an additional 10 years of annual mammograms. Dr. Nancy Snyderman, NBC's chief medical editor, further point outs that because most women's estrogen levels are still fairly high at age 40, their breast tissue is still generally quite dense, making it hard to distinguish irregularities on a mammogram. So are mammograms the best method of monitoring women's breast health before age 5o?
One woman writes into the Today Show's mammogram Q&A section with the following:
"Does anyone else ever look down at their breasts like they are ticking time-bombs?"
That was definitely me prior to my prophylactic double mastectomy. Now I wasn't your "average" woman with an average risk of developing breast cancer, not as a BRCA2 carrier whose grandmother, mother, aunt and sisters had all battled breast cancer. It was upon learning that I was BRCA positive that I finally felt like I had the specifics I needed to make the decision that was best for me. For most women, those at "average" risk of developing breast cancer, there are little or no specifics, just fear. Disagreements between those we look to for guidance just adds to our anxiety.
What do you think about the lack of unity in voice regarding mammogram guidelines? Does it discourage you? Confuse you? Impact your decisions regarding your own breast screening?
http://feeds.feedburner.com/AwesomeHealthTipsWebsite?format=xml
An article published in The Daily Mail on June 14th, 2011 caught my eye. It was entitled "Hypnotism 'speeds up cancer op recovery'." This article went on to discuss the positive results of some recent research conducted by a group of Belgium anesthetists with patients who were undergoing breast cancer surgery.
This is not the first example of such research being carried out, and neither is it the first that has produced positive and powerful results. Hypnosis has been found to aid recovery from many a serious physical ailment or surgical intervention, and many cancer operations thankfully fall into this paradigm.
How can hypnosis help one to recover more quickly from a serious surgical intervention? There are in fact many areas in which hypnosis can assist. The first is that a relaxed patient is inevitably a better patient. The second is that a patient with a positive expectation is also a better patient.
The powerful effect of hypnosis spreads further however then these two basic although hugely important predictive factors. Research has shown time and again that the use of hypnosis can lead to the patient feeling more comfortable throughout the operation, spending less time in the recovery stages, healing and getting back on their feet more quickly.
When you begin to think about it, these effects are potentially quite huge and a patient has absolutely nothing to lose in making the decision to use hypnosis to assist in their surgery. The use of hypnosis is not an either/or choice whereby you give up the chance of an alternative option; rather, it is a complementary treatment that can only enhance other more mainstream forms of assistance. There are no negative side effects, and so it's got to be worth a try.
The more positive you are in using hypnosis, the better the outcome will usually be. As stated before, a willing patient is a better patient and this is equally true of the application of hypnosis as it is of any other type of medical treatment, intervention or therapy.
If hypnosis is a strange or new idea to you in relation to surgery then I suggest keeping an open mind and reading up on the subject. It is also true that a well-informed patient is a better patient!
An article published in The Daily Mail on June 14th, 2011 caught my eye. It was entitled "Hypnotism 'speeds up cancer op recovery'." This article went on to discuss the positive results of some recent research conducted by a group of Belgium anesthetists with patients who were undergoing breast cancer surgery.
This is not the first example of such research being carried out, and neither is it the first that has produced positive and powerful results. Hypnosis has been found to aid recovery from many a serious physical ailment or surgical intervention, and many cancer operations thankfully fall into this paradigm.
How can hypnosis help one to recover more quickly from a serious surgical intervention? There are in fact many areas in which hypnosis can assist. The first is that a relaxed patient is inevitably a better patient. The second is that a patient with a positive expectation is also a better patient.
The powerful effect of hypnosis spreads further however then these two basic although hugely important predictive factors. Research has shown time and again that the use of hypnosis can lead to the patient feeling more comfortable throughout the operation, spending less time in the recovery stages, healing and getting back on their feet more quickly.
When you begin to think about it, these effects are potentially quite huge and a patient has absolutely nothing to lose in making the decision to use hypnosis to assist in their surgery. The use of hypnosis is not an either/or choice whereby you give up the chance of an alternative option; rather, it is a complementary treatment that can only enhance other more mainstream forms of assistance. There are no negative side effects, and so it's got to be worth a try.
The more positive you are in using hypnosis, the better the outcome will usually be. As stated before, a willing patient is a better patient and this is equally true of the application of hypnosis as it is of any other type of medical treatment, intervention or therapy.
If hypnosis is a strange or new idea to you in relation to surgery then I suggest keeping an open mind and reading up on the subject. It is also true that a well-informed patient is a better patient!
http://feeds.feedburner.com/CoolHealthyGuideInfo?format=xml
When you receive a cancer diagnosis you're scared! You're so scared! You don't know what to do. You have really smart Dr's who know everything, telling you that you have to do chemo- therapy; surgery, radiation, and you have to do it in a hurry! What do you do? You follow everything they tell you to do like a sheep.
When you get that cancer diagnosis, it is important that you act quickly, but what if you took one week to read a book? What if you took one week to do research on the Internet? I'm going to tell you about the research I did on an alternative treatment called Protocel. Protocel is a brown liquid bio-chemical compound. It is self-administered. You measure ¼ teaspoon in distilled water and drink it every 4-6 hours. It's that simple. It's non-toxic so there are no side effects. It also works on all types of cancer.
To understand how Protocel works, you first need to understand that healthy cells and cancer cells are quite different. Healthy cells are aerobic, which means they use oxygen for their fuel. Cancer cells are anaerobic, which means they use a fermentation type process called glycolysis for their fuel. The fact that cancer cells use fermented glucose for their fuel is cancer cells strength, and it is the reason that cancer cells can become virulent and spread throughout the body.
However, cancer cells do have a weakness. Their weakness is in their ATP or their lack of it. ATP stands for adenosine triphosphate. ATP is where both healthy cells and cancer cells get their electrical energy. Healthy cells have approximately 38 molecules of ATP per cell. Cancer cells only have about 2 molecules of ATP per cell. Protocel works by interfering with the production of ATP in both aerobic healthy cells and anaerobic cancer cells by reducing ATP by about 10-15%. Healthy aerobic cells don't care because they have plenty of ATP to spare, but if you reduce ATP in a cancer cell by 10-15% they begin to fall apart and die.
There are two formulas for Protocel. Protocel 23 and Protocel 50. The type of cancer you have determines which formula works best for your type of cancer.The current cost of Protocel 23 is $160.00 for a 2-month supply, and is taken every 4 hours around the clock. The current cost of Protocel 50 is $179.00 for a 3-month supply, and is taken every 6 hours around the clock.
If you or someone you love has been given a cancer diagnosis, it is important to act quickly, but you do have a small window of time to do some research. Take just one week to read and get informed! Take one week to research Protocel on the Internet, as well as other alternative treatments. Use that week to pray, get informed, and thoughtfully consider using an effective alternative approach. It could save your life!
When you receive a cancer diagnosis you're scared! You're so scared! You don't know what to do. You have really smart Dr's who know everything, telling you that you have to do chemo- therapy; surgery, radiation, and you have to do it in a hurry! What do you do? You follow everything they tell you to do like a sheep.
When you get that cancer diagnosis, it is important that you act quickly, but what if you took one week to read a book? What if you took one week to do research on the Internet? I'm going to tell you about the research I did on an alternative treatment called Protocel. Protocel is a brown liquid bio-chemical compound. It is self-administered. You measure ¼ teaspoon in distilled water and drink it every 4-6 hours. It's that simple. It's non-toxic so there are no side effects. It also works on all types of cancer.
To understand how Protocel works, you first need to understand that healthy cells and cancer cells are quite different. Healthy cells are aerobic, which means they use oxygen for their fuel. Cancer cells are anaerobic, which means they use a fermentation type process called glycolysis for their fuel. The fact that cancer cells use fermented glucose for their fuel is cancer cells strength, and it is the reason that cancer cells can become virulent and spread throughout the body.
However, cancer cells do have a weakness. Their weakness is in their ATP or their lack of it. ATP stands for adenosine triphosphate. ATP is where both healthy cells and cancer cells get their electrical energy. Healthy cells have approximately 38 molecules of ATP per cell. Cancer cells only have about 2 molecules of ATP per cell. Protocel works by interfering with the production of ATP in both aerobic healthy cells and anaerobic cancer cells by reducing ATP by about 10-15%. Healthy aerobic cells don't care because they have plenty of ATP to spare, but if you reduce ATP in a cancer cell by 10-15% they begin to fall apart and die.
There are two formulas for Protocel. Protocel 23 and Protocel 50. The type of cancer you have determines which formula works best for your type of cancer.The current cost of Protocel 23 is $160.00 for a 2-month supply, and is taken every 4 hours around the clock. The current cost of Protocel 50 is $179.00 for a 3-month supply, and is taken every 6 hours around the clock.
If you or someone you love has been given a cancer diagnosis, it is important to act quickly, but you do have a small window of time to do some research. Take just one week to read and get informed! Take one week to research Protocel on the Internet, as well as other alternative treatments. Use that week to pray, get informed, and thoughtfully consider using an effective alternative approach. It could save your life!
http://feeds.feedburner.com/SuperbInsuranceWebsite?format=xml
The biggest deterrent to purchasing long term care insurance is the expense. We buy auto insurance and homeowners insurance because we have to. Additionally, since these two types of insurance are mandatory, the government offers some help.
Another reason people are so hesitant to purchase nursing home insurance is the timing. Right when you are hoping to reduce expenses and retire, you are hit with huge premiums. Plus some of us still have children to put through college.
Many would be purchasers also wonder if they will ever actually need the insurance. Though with so many of us living longer than before, the probability that we will need longer term health care insurance is more likely.
The government and insurance companies have both made some changes to try to get reluctant consumers to purchase nursing home insurance. The government instituted the Pension Protection Act of 2006 which says that starting Jan. 1, 2010, you will no longer have to pay federal income tax on annuity proceeds if you use those proceeds to pay for long-term-care coverage.
Insurance companies have begun offering what they call a hybrid policy which is an insurance policy with a extended-care rider. An example would be if you put money ($50,000 is about the minimum) -- into an annuity. Other options are to use an annuity you already own or a whole or universal life insurance policy that you no longer need through what the IRS calls a 1035 exchange.
You pick the amount of extended-term care coverage you want, how long you want the coverage to last and if you want inflation coverage.
Here is a brief explanation of the pros and cons:
Long-term-care annuities have the advantage that if don't use it, you don't lose it. Don't' need the long term care? Use the money for something else.
Extended-care annuities let you build up money tax-deferred. Great if your income is in the upper brackets and you figure you will be in a lower bracket later.
If you are too sick to get a long-term-care insurance policy, you have a better chance with the annuity option because they ask you fewer insurability questions and there are no medical underwriting requirements
The big risk factor sitting out there with extended-care annuities is the length of coverage. If you don't put in enough money, you may out run your funds. Another risk is you will need that money for something else and penalties for early withdrawal are steep.
Another problem is you need a lot of money to even begin with. The annuity needs about $75,000 to $150,00 just to get started. For a conventional policy you make your payment monthly.
Long term care insurance policies and annuities are costly and the language used in writing the policies is complex. Educate yourself by reading a few articles on the topic so that you are familiar with some of the vocabulary and the basic concept. Then talk to an agent your trust and know. They can simplify the jargon and decipher the policy and help you figure out what is best for you.
The biggest deterrent to purchasing long term care insurance is the expense. We buy auto insurance and homeowners insurance because we have to. Additionally, since these two types of insurance are mandatory, the government offers some help.
Another reason people are so hesitant to purchase nursing home insurance is the timing. Right when you are hoping to reduce expenses and retire, you are hit with huge premiums. Plus some of us still have children to put through college.
Many would be purchasers also wonder if they will ever actually need the insurance. Though with so many of us living longer than before, the probability that we will need longer term health care insurance is more likely.
The government and insurance companies have both made some changes to try to get reluctant consumers to purchase nursing home insurance. The government instituted the Pension Protection Act of 2006 which says that starting Jan. 1, 2010, you will no longer have to pay federal income tax on annuity proceeds if you use those proceeds to pay for long-term-care coverage.
Insurance companies have begun offering what they call a hybrid policy which is an insurance policy with a extended-care rider. An example would be if you put money ($50,000 is about the minimum) -- into an annuity. Other options are to use an annuity you already own or a whole or universal life insurance policy that you no longer need through what the IRS calls a 1035 exchange.
You pick the amount of extended-term care coverage you want, how long you want the coverage to last and if you want inflation coverage.
Here is a brief explanation of the pros and cons:
Long-term-care annuities have the advantage that if don't use it, you don't lose it. Don't' need the long term care? Use the money for something else.
Extended-care annuities let you build up money tax-deferred. Great if your income is in the upper brackets and you figure you will be in a lower bracket later.
If you are too sick to get a long-term-care insurance policy, you have a better chance with the annuity option because they ask you fewer insurability questions and there are no medical underwriting requirements
The big risk factor sitting out there with extended-care annuities is the length of coverage. If you don't put in enough money, you may out run your funds. Another risk is you will need that money for something else and penalties for early withdrawal are steep.
Another problem is you need a lot of money to even begin with. The annuity needs about $75,000 to $150,00 just to get started. For a conventional policy you make your payment monthly.
Long term care insurance policies and annuities are costly and the language used in writing the policies is complex. Educate yourself by reading a few articles on the topic so that you are familiar with some of the vocabulary and the basic concept. Then talk to an agent your trust and know. They can simplify the jargon and decipher the policy and help you figure out what is best for you.
http://feeds.feedburner.com/WonderfulInsuranceWebsite?format=xml
Life insurance is very important in every life plan. Getting an insurance policy not only ensures that your family will be taken care of in the event after your death, it will also buy you immeasurable peace of mind today. It is not just important to buy insurance, it is important to buy the right policy; one that reflects your needs well.
The best place to buy life insurance
Life insurance is a very personal purchase. Since each person has different financial needs and health conditions, insurance policies too need to cater to these individual factors. The only way you can get a policy that is just right for you is by shopping around, and getting multiple insurance quotes. However, if this brings you mental images of bustling into hundreds of insurance companies, and scrutinizing their offers, you can relax. These days, multi-carrier life insurance agencies have an online presence. They deal with hundreds of life insurance companies. Through an entirely automated process, they can match your requirements to policies on their database. Shopping around might have taken you months on your own, but with an online multi-carrier website, it would take merely a few minutes and a fraction of the effort. Online multi-carrier websites are the best place to buy insurance.
Benefits of getting multiple life insurance quotes
Getting multiple life insurance quotes has several benefits. Let's list them out:
A local agent generally deals with 4 carriers, and since even a well-meaning agent gets commissions for selling the policies of these carriers, he or she won't sell you other carriers' policies, even if they fit your requirements. There is therefore a huge element of bias involved. One should definitely shop around because like everything else, shopping around gets you the best deals. Comparing a variety of life insurance policies will help you find the one that suits you the most and offers the most benefits at the best price. You can get more coverage for your premiums by comparing quotes.
Life insurance quotes vary from company to company, based on their underwriting process. There are some companies that look upon smoking or other health factors more favorably than others. Further, underwriting guidelines are changed often, and it is impossible to keep track of them on your own. By getting multiple quotes, especially from online quote providers that have a massive database, you will be able to easily locate these policies. Online quote providers connect in real time to life insurance carriers, and therefore the quotes you will receive are true and accurate. All you need to do is be as honest as possible in your online form so that the quotes accurately reflect your condition.
The insurance business is competitive and in order to stay ahead, some companies offer free riders along with their insurance quotes. Getting multiple quotes could put you in touch with these companies and give you the benefit of free riders such as accidental death rider, waiver of premiums, long term care rider, etc that can enhance your policy.
When you seek multiple quotes online, the multi-carrier agency websites also give you comparison charts and complete financial information on the companies linked to those quotes. This will help you make a well-informed choice. Some multi-carrier agencies also offer face-to-face or phone consultations at this stage, to help you decide better.
Life insurance is a vast subject, and studying various quotes gives you the opportunity to know the topic better. Multi-carrier agency websites are a one-stop shop for insurance resources. From deciding on the type of policy to finding out ways to present your best self at a life insurance medical exam, they provide a wealth of information. They also provide the use of free online tools such as life insurance needs calculators and policy review services.
Getting multiple life insurance quotes need not be a time-consuming process
With the presence of several-reputed online insurance quote providers getting multiple quotes is a simple and easy process. It barely takes a few minutes. However, do be cautious, make sure you are always on a BBB-accredited website, to be assured of the site's authenticity. Check if the quotes given to you are from insurance carriers with a good rating, and make sure the ratings are current.
Also, do remember to fill in the quote request form as honestly as possible, so that the quotes you are presented with correctly reflect your life insurance needs. Life insurance is a serious, personal purchase, and the more informed you are, the better your chances are of getting the perfect policy tailored to your needs.
Life insurance is very important in every life plan. Getting an insurance policy not only ensures that your family will be taken care of in the event after your death, it will also buy you immeasurable peace of mind today. It is not just important to buy insurance, it is important to buy the right policy; one that reflects your needs well.
The best place to buy life insurance
Life insurance is a very personal purchase. Since each person has different financial needs and health conditions, insurance policies too need to cater to these individual factors. The only way you can get a policy that is just right for you is by shopping around, and getting multiple insurance quotes. However, if this brings you mental images of bustling into hundreds of insurance companies, and scrutinizing their offers, you can relax. These days, multi-carrier life insurance agencies have an online presence. They deal with hundreds of life insurance companies. Through an entirely automated process, they can match your requirements to policies on their database. Shopping around might have taken you months on your own, but with an online multi-carrier website, it would take merely a few minutes and a fraction of the effort. Online multi-carrier websites are the best place to buy insurance.
Benefits of getting multiple life insurance quotes
Getting multiple life insurance quotes has several benefits. Let's list them out:
A local agent generally deals with 4 carriers, and since even a well-meaning agent gets commissions for selling the policies of these carriers, he or she won't sell you other carriers' policies, even if they fit your requirements. There is therefore a huge element of bias involved. One should definitely shop around because like everything else, shopping around gets you the best deals. Comparing a variety of life insurance policies will help you find the one that suits you the most and offers the most benefits at the best price. You can get more coverage for your premiums by comparing quotes.
Life insurance quotes vary from company to company, based on their underwriting process. There are some companies that look upon smoking or other health factors more favorably than others. Further, underwriting guidelines are changed often, and it is impossible to keep track of them on your own. By getting multiple quotes, especially from online quote providers that have a massive database, you will be able to easily locate these policies. Online quote providers connect in real time to life insurance carriers, and therefore the quotes you will receive are true and accurate. All you need to do is be as honest as possible in your online form so that the quotes accurately reflect your condition.
The insurance business is competitive and in order to stay ahead, some companies offer free riders along with their insurance quotes. Getting multiple quotes could put you in touch with these companies and give you the benefit of free riders such as accidental death rider, waiver of premiums, long term care rider, etc that can enhance your policy.
When you seek multiple quotes online, the multi-carrier agency websites also give you comparison charts and complete financial information on the companies linked to those quotes. This will help you make a well-informed choice. Some multi-carrier agencies also offer face-to-face or phone consultations at this stage, to help you decide better.
Life insurance is a vast subject, and studying various quotes gives you the opportunity to know the topic better. Multi-carrier agency websites are a one-stop shop for insurance resources. From deciding on the type of policy to finding out ways to present your best self at a life insurance medical exam, they provide a wealth of information. They also provide the use of free online tools such as life insurance needs calculators and policy review services.
Getting multiple life insurance quotes need not be a time-consuming process
With the presence of several-reputed online insurance quote providers getting multiple quotes is a simple and easy process. It barely takes a few minutes. However, do be cautious, make sure you are always on a BBB-accredited website, to be assured of the site's authenticity. Check if the quotes given to you are from insurance carriers with a good rating, and make sure the ratings are current.
Also, do remember to fill in the quote request form as honestly as possible, so that the quotes you are presented with correctly reflect your life insurance needs. Life insurance is a serious, personal purchase, and the more informed you are, the better your chances are of getting the perfect policy tailored to your needs.
http://feeds.feedburner.com/CoolInsuranceWebsite?format=xml
When is the right time to buy life insurance? One answer could be right now! Right now is a good time to consider purchasing a life insurance policy. It is a well-known fact that the sooner you purchase a insurance policy, the better chance you have of getting the best rates.
Most young people don't think about death. Neither do they have dependents to worry about if they should die in unforeseeable circumstances. But purchasing a policy when you are young and single could be one of the wisest decisions you make. This age category gets the best preferred rates. Think about it. The younger you are, the healthier you are. If you choose a level term insurance policy, say, for a term of 20 years, premiums remain stable throughout the entire term period. By choosing a large coverage that would cover your future family's needs as well, you would not need to think about life insurance until you are well into your 60s. At this stage in life you may not need insurance at all since all your financial obligations would most likely, be met.
The right time to purchase a life insurance policy would definitely be at every milestone in your life. Marriage is a good time to think about buying a policy, especially if you are starting out with loans and mortgages. Having a life insurance policy in place at this time would certainly not offset the grief of a bereft spouse but it would certainly not compound the grief by overburdening debts that have been left behind.
Another "right" time to buy life insurance would be when you have your first child. You may want to purchase a house or start saving for college education. If the bread earner of the family were to die prematurely, this may affect the financial future of your children. You can still provide for their needs, long after you are gone, through the proceeds of your life policy that your family would receive.
If you are in a high-risk health category or suffer from any medical condition or disease that could grow worse over the years, you should definitely think of insuring yourself at the earliest. Consider purchasing a policy that guarantees you can increase your insurance coverage without having to improve your insurability.
Whether you are healthy and young, or suffer from serious health conditions, if you want to find the best life insurance policy at the most affordable rates, you need to shop around. Going from company to company collecting life insurance quotes is not feasible for most people. A good way to get multiple quotes is through a reliable online life insurance quote provider. Make sure you use one which is accredited by the Better Business Bureau (BBB). Such providers have hundreds of reputed life insurance companies on their databases. They can provide you with instant quotes with credit ratings that you can use for comparative study. Look for free riders as well that could prove useful later on. Quotes are provided free of cost and there is no obligation to purchase. Remember, premiums increase significantly as you age. Buying a insurance policy sooner rather than later is something you should consider now.
When is the right time to buy life insurance? One answer could be right now! Right now is a good time to consider purchasing a life insurance policy. It is a well-known fact that the sooner you purchase a insurance policy, the better chance you have of getting the best rates.
Most young people don't think about death. Neither do they have dependents to worry about if they should die in unforeseeable circumstances. But purchasing a policy when you are young and single could be one of the wisest decisions you make. This age category gets the best preferred rates. Think about it. The younger you are, the healthier you are. If you choose a level term insurance policy, say, for a term of 20 years, premiums remain stable throughout the entire term period. By choosing a large coverage that would cover your future family's needs as well, you would not need to think about life insurance until you are well into your 60s. At this stage in life you may not need insurance at all since all your financial obligations would most likely, be met.
The right time to purchase a life insurance policy would definitely be at every milestone in your life. Marriage is a good time to think about buying a policy, especially if you are starting out with loans and mortgages. Having a life insurance policy in place at this time would certainly not offset the grief of a bereft spouse but it would certainly not compound the grief by overburdening debts that have been left behind.
Another "right" time to buy life insurance would be when you have your first child. You may want to purchase a house or start saving for college education. If the bread earner of the family were to die prematurely, this may affect the financial future of your children. You can still provide for their needs, long after you are gone, through the proceeds of your life policy that your family would receive.
If you are in a high-risk health category or suffer from any medical condition or disease that could grow worse over the years, you should definitely think of insuring yourself at the earliest. Consider purchasing a policy that guarantees you can increase your insurance coverage without having to improve your insurability.
Whether you are healthy and young, or suffer from serious health conditions, if you want to find the best life insurance policy at the most affordable rates, you need to shop around. Going from company to company collecting life insurance quotes is not feasible for most people. A good way to get multiple quotes is through a reliable online life insurance quote provider. Make sure you use one which is accredited by the Better Business Bureau (BBB). Such providers have hundreds of reputed life insurance companies on their databases. They can provide you with instant quotes with credit ratings that you can use for comparative study. Look for free riders as well that could prove useful later on. Quotes are provided free of cost and there is no obligation to purchase. Remember, premiums increase significantly as you age. Buying a insurance policy sooner rather than later is something you should consider now.
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Insurance companies are regulated both by the federal government and the state government. These regulations are designed to protect the integrity of a company as well as consumer rights.
Regulation 60 is a consumer protection law in the State of New York that pertains to the replacement of life insurance and annuity contracts. Regulation 60 requires that insurance companies give out specific information and disclosure to consumers wanting to replace their existing policy with a new one.
Agents are required to submit a "Definition of Replacement" form for every life insurance or life annuity sale. When a replacement is proposed that would cause the buyer to surrender, lapse or change the status of an existing policy, the replacing company must prepare a comparative analysis of the existing and proposed life policies for the buyer. The process usually takes about three weeks. The agent and policy holder must review the form and both parties must sign the disclosure to verify that all parties have understood the requirements and have signed off in agreement.
Regulation 60 Protects Consumers
The main goal of Regulation 60 is to make sure consumers understand why they are replacing their existing policy for a new one. Life insurance jargon is, typically, difficult for the average consumer to understand. Regulation 60 enables consumers to make a side-by-side comparative study of the features of the existing insurance product against the features of the proposed policy, in a format that is easy to read and understand. Regulation 60 includes projections and additional disclosures that include the main reason why the policy is being replaced and why the existing policy does not meet the applicant's needs.
With recent cases of abuse of investors' interest being reported, Regulation 60 protects buyers from making an unwise decision choice. It protects the consumer from misrepresentation of a policy, misleading sale tactics, ambiguous terms, and falsified comparisons. Regulation 60 forces insurers to inform their clients about the pros and cons of a life policy so that consumers are able to make an informed decision.
Before You Replace Your Old Life Insurance Policy
While it is good to review your life insurance policy periodically, frequent changing of insurance policies is not usually recommended since insurance products incur heavy upfront expenses. Very often, your existing insurance carrier may be able to incorporate the changes you desire into your existing contract. In any case, you should consult your tax advisor to check if there are any unfavorable implications associated with the replacing of your existing life insurance policy with a new one.
Get Great Life Insurance Quotes Online and Compare
With that said, there are may be insurance products that can offer you significantly better benefits than your existing policy. With online life insurance quote providers, you can easily check out multiple insurance quotes from the best insurance carriers, for free and without any obligations. Comparative studies make it easier for you to review product features and make an informed decision.
Replacing your existing life policy with a new one may be a good decision, or it may be a bad one. Make sure you understand the facts and study carefully the disclosure statement to comprehend the advantages and the disadvantages a change in policy would entail.
Insurance companies are regulated both by the federal government and the state government. These regulations are designed to protect the integrity of a company as well as consumer rights.
Regulation 60 is a consumer protection law in the State of New York that pertains to the replacement of life insurance and annuity contracts. Regulation 60 requires that insurance companies give out specific information and disclosure to consumers wanting to replace their existing policy with a new one.
Agents are required to submit a "Definition of Replacement" form for every life insurance or life annuity sale. When a replacement is proposed that would cause the buyer to surrender, lapse or change the status of an existing policy, the replacing company must prepare a comparative analysis of the existing and proposed life policies for the buyer. The process usually takes about three weeks. The agent and policy holder must review the form and both parties must sign the disclosure to verify that all parties have understood the requirements and have signed off in agreement.
Regulation 60 Protects Consumers
The main goal of Regulation 60 is to make sure consumers understand why they are replacing their existing policy for a new one. Life insurance jargon is, typically, difficult for the average consumer to understand. Regulation 60 enables consumers to make a side-by-side comparative study of the features of the existing insurance product against the features of the proposed policy, in a format that is easy to read and understand. Regulation 60 includes projections and additional disclosures that include the main reason why the policy is being replaced and why the existing policy does not meet the applicant's needs.
With recent cases of abuse of investors' interest being reported, Regulation 60 protects buyers from making an unwise decision choice. It protects the consumer from misrepresentation of a policy, misleading sale tactics, ambiguous terms, and falsified comparisons. Regulation 60 forces insurers to inform their clients about the pros and cons of a life policy so that consumers are able to make an informed decision.
Before You Replace Your Old Life Insurance Policy
While it is good to review your life insurance policy periodically, frequent changing of insurance policies is not usually recommended since insurance products incur heavy upfront expenses. Very often, your existing insurance carrier may be able to incorporate the changes you desire into your existing contract. In any case, you should consult your tax advisor to check if there are any unfavorable implications associated with the replacing of your existing life insurance policy with a new one.
Get Great Life Insurance Quotes Online and Compare
With that said, there are may be insurance products that can offer you significantly better benefits than your existing policy. With online life insurance quote providers, you can easily check out multiple insurance quotes from the best insurance carriers, for free and without any obligations. Comparative studies make it easier for you to review product features and make an informed decision.
Replacing your existing life policy with a new one may be a good decision, or it may be a bad one. Make sure you understand the facts and study carefully the disclosure statement to comprehend the advantages and the disadvantages a change in policy would entail.
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