Discover This Fascinating Wellspring of Health and Energy

Does this sound familiar to you? After getting through a long day of work, engaging in obligatory social activities and then doing the upkeep on your house or apartment you may feel as if every last second of your time and every last drop of your energy have been spent.

By that point, you just want to collapse on the floor, exhausted. Then you wake up and have to do it all over again the next day.

Fortunately, there is help. You just need to know about an amazing exercise and self improvement system. This may be the easiest exercise to learn that you have ever seen. You’ll feel wonderful and energized afterwards, unlike ordinary workouts. Its called Falun Dafa.

I attribute the disappearance of my back pain to Falun Dafa. Another thing I feel that it did for me personally was give me the energy to get things done. You may also be excited to learn that it is something you can implement in your life very easily, without a lot of effort.

What you’ll want to do is visit Falun Dafa website. You’ll want to get the book, Zhuan Falun, and exercise instruction videos. Both are available for free download. You’ll want to read the book to gain the full benefits of this self improvement system.

Now, you may be thinking that it might not be easy to learn all the ins and outs of these 5 sets of simple, energizing exercises just from a video.

You’ll find the solution for that on the very same website. There is a volunteer instructor list. Scan it for your city or one near you. The list covers most major cities around the world and even many smaller cities.

The best part is that none of these volunteers will accept a penny of your money. They will show you these exercises free of charge and with no strings attached.

The reason they will do this is because they have also received amazing results from this practice. For this reason, they are willing to take their own time to show you how to do it at no cost to you.

So, what are you waiting for? Go over to that website and get started on what might be the most amazing and beneficial treasure you’ll uncover in this lifetime. Discover for yourself an incredible wellspring of health and energy.

This article is for information purposes only. It is not meant to prevent, treat or diagnose any health condition or disease. If you have or suspect you have a health problem, and before embarking on any exercise program you should consult your physician.

Dipping into your State Health Insurance Pool – What Are The Requirements?

State health insurance is a branch of health insurance that is for high-risk individuals with chronic and/or pre-existing conditions. Most common diseases to see on this type of insurance are HIV, AIDS, kidney disease, obesity, and diabetes. This high-risk pool is designed to act as a safety net to offer some form of insurance to these people but for a hefty premium. This program has fewer participants due to the cost. This plan is not low-income friendly. Rates can be as much as double what the normal market value for health insurance is. The pool does tend to offer better benefits but is definitely geared to those people that truly afford insurance. So, most people who fall under this category and require this type of plan are likely to be uninsured due to not being able to afford a plan. This plan is last resort for persons with such illnesses that land them for emergency or hospital care frequently, and it that case pays for itself quickly. Some of the few persons who cannot afford this are lucky enough to have a spouse in the work place that is able to add them to their policy from their employer, these plans cannot discriminate due to chronic or long-term illnesses. The State Health Insurance Pool knows its rates are high, and claims so are medical costs for the chronically ill. They have to charge more to be able to get ahead and stay afloat.

Most risk pools are nonprofit associations ran by the state. Usually they do not use taxes to operate their business. Most persons requiring this type of service usually are filling up the gap in cost of what their normal plan won’t cover or is a temporary pit stop till they can find a plan that accepts them at a lower cost. The people who qualify for this type of coverage must be a resident of the state they are applying in. Most states require you live there for at least six months and some up to one full year before reaching residency status. You also need one of several possible documents from other insurance companies. You will need proof of rejection from at least one company denying them benefits similar to the ones being asked for. You can use proof of insurance with a higher premium as well. You may also be eligible if you can show proof of insurance with a rider or rated policy. Any of the above mentioned could get you approved to apply for the risk pool in the state you reside in. A reciprocity agreement is when a person who is eligible for the plan and is currently on a similar plan, met the waiting period quota, and not used up the lifetime maximum benefits can still be eligible if they move to another state after they meet the residency requirement. Not all states, but most, have this agreement included into their plan.

There is a list of those who are not eligible in the high-risk pool besides non-residents. You are no longer eligible if you move to another state but if you have a reciprocity agreement, you can become eligible in the state you now reside after residency has been established. Most people who are eligible or receive Medicaid or Medicare are also not eligible. Many states do have a high-risk plan for Medicare eligible persons, but if you receive or could receive Medicaid than you don’t qualify. If a person has terminated their coverage in another plan and less than 132 months have passed they are not eligible for the pool till that time is up. Those who have used their maximum lifetime benefits for their plan are also not qualifying. Inmates of a public institution are also not eligible for the risk pool. Other specific exclusions can include state decided specific diseases or medical conditions that they just don’t want to cover. An enrollment cap may also be in affect so only a specific amount of persons may be actively enrolled at any given point of time. All other applicants who are eligible will be placed on a waiting list till there is an opening. There seem to be a higher list of those who don’t qualify then who do for this high-risk benefit that costs an arm and a leg anyway.

Dining Out Guide for the Health Conscious Eater

Here’s food for thought! Did you know the average restaurant meal has over 1,000 calories? That’s enough to blow any healthy eating plan. Fortunately, by following a few simple guidelines, you can dine out without having to sacrifice good taste and nutrition.

1. Avoid ordering an appetizer. It’s a little known fact that some appetizers have more calories and fat than the main course. Plus, many appetizers are fried and served with heavy sauces which will add to your intake of saturated fat as well as trans fats and calories. It’s not a healthy way to start your meal.

2. Say “yes” to salad. Salad is a healthy eater’s best friend. Not only will it fill you up so you’ll consume fewer calories overall, but it will also give you a hefty dose of antioxidants which are heart healthy. Be sure to ask your waitress to hold the croutons and cheese which will further reduce your caloric load. Also, choose your dressing wisely. Avoid cream based dressings and go for the vinegar based ones. You also have the option of using vinegar and olive oil which is heart healthy.

3. Make the right entree selection. Go for broiled and grilled rather than fried. Not only will you save calories and fat grams, you’ll also avoid trans fats which are so prevalent in fried foods. Instead, consider asking for a doubles order of vegetables with your entree. Very few Americans are getting the 7-9 servings of fruits and vegetables recommended for optimal health. Plus, by avoiding the starch, you’ll be reducing your caloric and carbohydrate load. Also, stick to tomato based sauces rather than cream based and you’ll enjoy a considerable calorie savings. Lastly, ask for the sauce to be served in a separate dish on the side so you can control the amount you eat.

4. Think about what you’re drinking with your meal. By not ordering an alcoholic beverage, you’ve saved yourself a considerable number of calories. Try sipping iced tea sweetened with a noncaloric sweetener, a diet soft drink, or water with lemon. You’ll be glad you did when you consider the calorie savings.

5. Indulge your sweet tooth wisely. Many of the chain restaurants now offer a low fat or low carbohydrate dessert selection such as a low carb cheesecake. These are wise choices for the health conscious eater and still allow you to end the meal on a sweet note. If a healthy dessert option isn’t available, try a cup of coffee with skim milk to help satiate your desire for something sweet.

6. Learn to control your portions. Many restaurants are serving larger quantities of food than in the past. If this is the case, put aside a portion of your entree at the beginning of the meal to take home with you. If you remove it from your plate before you start eating, you’ll be less tempted to overindulge.

By following these steps, you can make your dining experiences not only healthy, but enjoyable. Your heart will thank you!

Dishing Out Healthy And Delicious Meals

People with a gift for serving up delicious-but healthful-dishes say it’s important to present food that tastes good, is made with natural ingredients and is good for you. Fortunately, that doesn’t have to mean skipping many classic recipes. These tips may help:

• Portion Size-You can help control weight gain by being wary of portion size. If you’re serving meat, for instance, nutritionists say not to give a portion that’s larger than a deck of cards. Fill the empty space on plates (and in stomachs) with veggies and whole grains.

• Something On The Side-Try serving a healthful vegetable soup and a side salad before dinner. That way, people can fill up on veggies, instead of less nutritious foods. Also, if you’re trying to eat a little less, remember that our bodies often mistake thirst for hunger. So before you dig into dessert, try having a big glass of water and waiting a few minutes. You may turn out to be less hungry than you thought.

• Cooking Tips-Something as simple as switching to nonstick oil sprays can make a difference in how healthy a meal is. For instance, new Mazola Pure™ Cooking Spray is a healthier alternative to high-saturated-fat products such as butter or margarine. It adds Pure™ taste and Pure™ aroma to food, is perfect for fat-free cooking-and unlike other leading sprays, it does not contain alcohol or silicone. It comes in canola oil, extra virgin olive oil and natural butter flavors. It’s also cholesterol free and has 0g trans fat per serving.

The spray can be used in a variety of ways including: adding light flavor when grilling sandwiches, making popcorn, holding seasonings in place on meats and vegetables, sauteing, pan searing seafood and chicken, flipping pancakes and browning foods in the microwave.

Try this delicious and healthful recipe:

Seasoned Roasted

Potatoes

2 lbs mini red or golden potatoes

2 teaspoons garlic, minced

2 teaspoons rosemary, dry

1 teaspoon Kosher salt

1/4 teaspoon black pepper, cracked

2 tablespoons Parmesan cheese, grated

Mazola Pure Cooking Spray -Extra Virgin Olive Oil

1. Preheat oven to 450ºF.

2. Spray 9″ x 13″ baking pan with olive oil spray.

3. Combine garlic, rosemary, Kosher salt, and black pepper to make seasoning blend. Set aside.

4. Under cold running water, scrub potatoes to remove excess skin.

5. Cut potatoes into approximately 1″ x 1″ cubes. If using very small potatoes, do not cut.

6. Place potatoes in baking pan and spray with olive oil cooking spray until potatoes are coated. Mix potatoes after spraying to ensure even coating.

7. Add reserved seasoning blend and Parmesan cheese, and mix well. Spread mixture in a single layer and spray tops again, lightly with additional spray to help browning.

8. Bake at 450ºF for 25 to 30 minutes.

Serves: 6

PrepTime: 10 minutes

Discount Vitamins and Nutrition Products Offer Equal Health Benefits

When it comes to discount vitamins and nutrition products, the old adage, “You get what you pay for,” simply doesn’t hold true. Many retail outlets and websites tout overpriced products that promise the moon and don’t deliver. The results you obtain from high quality discount vitamins and nutrition products are as sound as those you get from higher priced products.

Here are a few examples:

Multi-Vitamins – Although some people like taking an assortment of specific vitamins, many more prefer the convenience of a multiple vitamin supplement. Different brands of vitamins – and different multi-vitamins within a given brand – contain different formulations, so it’s important to look at the labels rather than the price tags.

A general multi-vitamin is appropriate for most adults, although special formulations tailored to specific groups of people are available for women, for men, for older adults, and for those who are engaged in sports or other very active lifestyles.

When choosing discount vitamins, look for those that offer multiple sources of nutrients and natural sources of trace minerals and micronutrients. Each person’s ability to absorb nutrients is unique, so multiple sources ensure that virtually everyone can benefit.

Acidophilus Powder – Acidophilus powder is a somewhat generic term for a group of dietary supplements that are probiotics. Probiotics are microorganisms that help the body’s own beneficial bacterium and yeasts. Acidophilus powder and capsules/tablets are available in both regular formulations and those specialized for women, vegetarians, and so forth. As with discount vitamins, you can find online sources of acidophilus powder at steeply discounted prices.

St John’s Wort – Everyone from ancient Greeks to modern-day medical professionals have explored the benefits of St John’s Wort. Found to affect the levels of serotonin in the brain, the herbal supplement can improve mild depression, help balance mood swings, and help with sleep problems. Some nutritional products include complementary formulas (such as anti-oxidants) that can also enhance well-being.

Fat Burners and Weight Loss Aids: Some companies that sell the best fat burners charge premium prices, but there’s no reason for you to pay high retail prices when you can buy the same products at deep discounts. Said to stimulate the body’s ability to metabolize fat, the best fat burners contain no ephedrine. HydroxyCut, a popular weight loss supplement said to increase your energy, burn calories, and control appetite, is but one example of a brand name product that can be found online at a steep discount over retail prices. Similarly, you can find a carb blocker through an Internet health and body source at a fraction of the price you would pay at a retailer.

Sports Nutrition: Sports nutrition is big business, but that doesn’t mean that you need to spend big bucks for protein powders, health shakes, muscle formulas, and nutrition bars. Again, you can get a wide variety of high quality, brand name products at the same place where you buy your discount vitamins.

Of course, prices aren’t everything. When you select your online source of discount vitamins, be sure that it also offers expert advice, perhaps in the form of a free weekly newsletter. Look for writing that reflects the knowledge base of the site’s owners. Insightful advice gleaned by trial and error is more valuable that the stale reiterations found on many health websites.

Discount Plans versus Health Insurance

A woman from Las Vegas thought she was buying health insurance. It looked and sounded like health insurance. The Las Vegas woman is not 65 yet, which means she can’t get Medicare. So, she went online looking for health insurance. She ended up finding something called Healthcare Advantage, and signed up after paying $100. Come to find out, this was not medical insurance at all and the sales representative never told this poor lady. She found that out when her cards arrived in the mail. In tiny writing at the bottom, it read, “not an HMO, PPO insurance or managed care company”. This was a discount plan. These plans do not have the same coverage as a full medical health insurance policy. Make sure you know what you are getting and if it fits your needs.

So what is a discount plan? The plans claims to save people money by offering discounts on physician visits, prescription drugs, dental work, eye care and other treatments for a monthly fee. Unlike normal health insurance, which is very costly and very selective about who it covers, a discount health plan accepts everyone, no matter what health conditions they may have. You will use a list of doctors that are willing to charge discounted rates to the subscriber. Discount is not the same as coverage, and so you will pay more for visits and other services that you wouldn’t with a regular medical plan. The average savings is only 25% that could be very expensive if you have to see a specialist or require surgery. These networks claim to have as many as 400,000 doctors and 50,000 hospitals available to choose from, but what if none of them are near you? You can get a savings of up to 30% on both generic and brand name drugs, which can also be costly if you have multiple prescriptions or they are costly ones. So if you have a health plan already but have a high deductible, this extra plan may help save you some money. But to use as a complete health plan, it really isn’t designed for that and will cost you more than a great HMO.

HMOs and other medical plans can offer full medical coverage at great rates. Managed care plans are the way to go for those who are limited on funds. They offer the best policies for the least amount of money. Most of these plans are available to anyone and can save you a ton of cash. You can make the plan even more affordable by asking for a deductible, which will lower your monthly expense. Most HMO’s do not have one at all but, you can request one, and most basic PPOs and POS only have a small one, usually $200 to $500 per year, which you can also asked to raised. The co-pays are also very reasonable with these types of plans. If you choose to purchase an HMO, expect to pay about $5-$10 per office visit and per prescription. With PPOs and POSs you will have a 20% co-pay with both visits and medications. The differences are how strict they are and you pay more of a co-pay to have extra flexibility. Usually a PPO or POS plan is less expensive and you have more freedom to see whom you want so the insurer makes you more responsible for payment. HMOs tend to be the least expensive and best policies for people with fixed incomes.

Make sure you know what your needs are and double-check what you are getting. If you need full medical coverage with low co-pay then a discount plan will not work for you. If you are already covered by a medical group but have a large deductible then you might benefit from the extra savings a discount plan can offer. Also, ask whether the plan is insurance that covers your treatment, or is a discount plan that still requires you to pay all medical bills yourself. Beware of slippery sales pitches. Make sure you know what’s being offered. Discount health plans may only sell you access to a large mailing list of medical providers that it purchased commercially. Don’t assume you’re getting access to a large provider network just because your discount card displays the network’s name and logo. If you plan to use a specific listed doctor, hospital, pharmacy or other provider, ask a few questions before you sign up.

Divorce and Health Insurance Benefits

Divorce causes major issues with health insurance benefits. Many families have employer provided and/or paid for health insurance benefits that cover the entire family. It is not uncommon to see situations where the other spouse is a stay at home parent, with absolutely no access to health insurance benefits, or employed at a job with either no health insurance benefits available or those benefits available at a substantial cost. After a divorce, the spouse with the family health insurance coverage can no longer cover the other parent. They are no longer “family” members who can take advantage of one health insurance policy. How to then ensure that everyone stays insured does become an issue for negotiation and/or divorce litigation.

If both parties do not have health insurance benefits available and if the cost of obtaining those health insurance benefits for the other party after a divorce become prohibitive, there is one way to continue benefits without additional cost. That way is to enter into a separation agreement, but delay the divorce. That way, the parties actually do remain married and they can stay on the same health insurance plan even thought they are separed. The parties can consent to waiting for one, two or more years before either one files for a divorce. While the parties will remain married, their property, custody, and support issues will be addressed in their separation agreement. Under some circumstances, this is an optimal resolution. For example, what if both parties want one spouse to remain at home for several more years with young children, but they do still want to separate and divorce? This option works for them. They can separate, agree upon getting a divorce and all of the terms that they have to agree upon, but delay the final divorce so that they can keep cost effective health insurance benefits in place.

The above example can provide some difficulties that must be discusse in detail with your divorce attorney. For example, if you separate but do not divorce, your federal tax filing status may be affected. Also, in some states, it is not as easy as in other states to enforce a separation agreement. Or, in yet other states, it is possible for one spouse to take the advantages provided by the agreement for a year or two and then go to court and seek entirley different forms of financial relief in a divorce action. Only a divorce attorney licensed to practice in your state can advise you on these issues.

Another option for couples divorce is COBRA coverage. COBRA is a federal law which mandates that a person covered under a health insurance policy be given the right to continue that coverage, at their own cost, for a set time period if certain requirements exist. For example, if you obtain a divorce and your spouse had family health insurance coverage through his employer, the employer would have to provide COBRA coverage for you after the divorce. That COBRA coverage would require that you have the same health insurance policy, although your coverage would now be individual and not family. You would have to pay the employer’s cost for that individual policy.

It is not uncommon for a stay at home spouse or a spouse who has less income or employment options to obtain COBRA coverage and to negotiate that their spouse pay for that coverage for a specified time period after the divorce. In doing so, this gives the spouse who did not have coverage available some time to either obtain employment with coverage or become financially settled and able to afford their own coverage.