Did You Know These Fast Facts About Alkaline Water?

The chances are likely that you have heard numerous health benefits related to alkaline water. While some people pass these claims as a hoax, others swear by the positive effects. What’s the hype all about? Should you consider switching to alkaline water? In this post, we have ten facts that will help in understanding the fundamental aspects better.

1. Ionized water, another name for the same concept, scores high on the pH scale. Regular water has a pH level between 6 and 7, while alkaline water scores over 9 on the same scale. This elevated pH is believed to neutralize acids in the body, which is the crux of different health claims.

2. Stream and spring water is known to be naturally alkaline. Water, while passing over rocks, often collects minerals, which enhances the pH level. Since most people don’t have access to spring water, they often use artificially made alkaline enhanced water, which is believed to offer the same benefits.

3. There are many claims related to the concept. Some people believe that drinking high pH water will help in slowing down the aging process. In fact, it is also known to impact the metabolism in a good way and can assist in regulating the blood sugar levels.

4. Other benefits include better hydration rate and reduction of acid reflux. Since alkaline water has added electrolytes, it offers a natural boost of energy to the body, without any added sugar. It is also believed to help with joint pains.

5. The extent of study and research for this concept is pretty limited, so it is unfair to shun the benefits right away. However, people who have replaced regular water with ionized water have excellent things to say about the entire theory. Many Hollywood celebs have endorsed the idea on various platforms.

6. There is no known side-effect of drinking alkaline water. It is only associated with a few real advantages, which may or may not be true. If you like the idea of reducing acids in your body by a simple change, there is no reason to step back.

7. If you check for options, you will find many brands of ionized water. Look for a brand that sells alkaline water with added magnesium, potassium and calcium. Also, the water should rate at least 9 on the pH scale.

8. The whole idea of high pH water originated from the alkaline diet, which propagates a new kind of lifestyle that eliminates all kinds of acidic foods. Since the diet requires a person to quit meat and dairy, many people choose to opt for alkaline water instead.

9. If you have frequent heart burns, drinking water with high pH may help. Although the theory is yet to be thoroughly verified by experts, many alternative healthcare professionals have recommended the idea.

10. In case you intend to change your diet, do consult a doctor for better advice. People who have chronic health issues, heart disease and other concerns should never change their food habits, unless suggested by a physician. In fact, you might want to talk to your doctor about alkaline water, as well.

Start your alkaline journey today!



Acne And Your Blood Type Diet

Getting To Know More About Acne And The Blood Type Diet

Did you know that Dr. Peter D’Adamo’s revolutionary Blood Type Diet (also known as the genotype Diet) is being tried out by a large number of people suffering from acne? The idea behind this naturopathic cure for acne is based on a number of sensible reasons.

The first one is that the ancients knew all about diets, which would keep their body fit and healthy. That means that they knew all about proper diet regimes which would not only detoxify the body, but also keep the body physiological functions working perfectly.

What is The Blood Type Diet?

According to Dr. A’damo, -who has been following dietary and nutritional methods used by experienced dietitians down the ages-the adage of “we are what we eat” is as relevant today as it was millenniums ago.

Human beings have been modifying their diets according to circumstances, and availability of food down the ages. 20,000 years ago human beings started to farm, instead of being hunters. That is why these farmers began to eat a diet which was richer in cereals, fruit and vegetables, while their hunter ancestors had focused more on meat, fish and a high-protein diet.

These hunters were supposedly of “O” blood group whereas the farmers supposedly belonged to the A blood group. They flourished on a vegetarian diet.

There was another blood group evolving in Asia and Africa where people were farmers and their diet included a large amount of dairy products. This was blood group “B.” People belonging to this blood group tolerate dairy products more easily than people belonging to other blood groups.

How Does Your Diet And Your Blood Type Affect Your Health?

Now just imagine that a Type “O.” You belong to the high-protein meat eaters diet profile. Your body will only tolerate legumes, grains and beans in lesser quantities. So if you find yourself on a vegetarian diet, your body is going to react negatively. This reaction is caused by some proteins found in your food.

These proteins are called lectins. Your genetic makeup as an O blood type means that these lectins are going to keep you healthy only if you eat lots of meat. The moment you start eating a vegetarian diet and cut down on the meat the lectins are going to have a negative effect on your blood, on a particular organ in your body or on your general system.

However, you do not have to worry about these lectins being very dangerous; the body’s natural immunity system is capable of protecting your body against their potentially harmful agglutinating effect on your blood cells. 98% of these lectins are removed from your body during its natural elimination processes.

Nevertheless, your diet is going to affect your health. That in turn is going to have an adverse affect on your skin. That is why you might see your skin breaking out in acne.

How does Your Blood Type Affect An Acne Outbreak?

Each blood type has a number of foods which are helpful, beneficial and medicinal for it. These are the foods which are best suited to a person’s genetic inheritance and which are best tolerated by his body. On the other hand, there are a number of foods which are definitely going to harm one’s body, depending on his blood type.

Also, each blood type has a tolerance level for a number of foods which have a neutral effect on the blood type.

Now just imagine that you are a type A which has a vegetarian and seafood genetic inheritance. You thrive on grains, legumes, seafood, vegetables and fruit. Meat, wheat and dairy products are not beneficial for you. Now, suppose you find yourself eating a diet with plenty of meat in it.

This is going to have an adverse affect on your body’s bio- physiological processes. You may find yourself suffering a lot from acne. So you need to clear your system by switching to a fruit and vegetable diet as well as increase the amount of grains and legumes in your daily meals.

A type B is omnivorous and can eat meat without any chicken, beans, cereals, fruit and vegetables, which are healing and beneficial foods. However, if they begin to eat a diet rich in seeds, chicken, tomatoes, and shellfish, they are going to find themselves suffering from ill health. They are also going to find themselves suffering from potential acne outbreaks.

So if you are suffering from acne it is a good idea to find out your blood type. After that, start eating the foods which are best suited to your genetic makeup and inheritance. This is going to keep you healthy. This is also going to give you a glowing skin free of acne, blackheads, whiteheads and pimples.

Blood Type And Diet – Logical Acne Control Tips

A number of people are skeptic about Dr. D’Adamo’s ideas about blood type and your diet because it does not have any scientific proof behind it. However, let us go back to ancient naturopathic diets and common sense, and understand the basic factors which can improve your acne condition.

Plenty of fruit and vegetables are always good for everyone, regardless of blood type. Meat products are good to give you protein which is necessary to keep you in a state of high energy. The same proteins can also be obtained through lentils and beans.

Dr. D’Adamo’s dietary plan and theory of not eating so many wheat-based food items is also based on simple logic. Wheat and corn has gluten in it. Gluten sticks to the intestinal lining and thus prevents your digestive system from working perfectly. So what do you do under such circumstances? Avoid breads and noodles made of items with a high gluten composition.

Here are some suggestions which can come in useful to control your acne outbreak.

Do not interfere with your acne outbreak by touching the infected area. This is going to spread the infection to other parts of your body. Instead, wash it with a mild antiseptic soap. Try this idea of washing it with a glycerin soap and a little bit of ordinary sugar. This “dries” the skin and soaks up the oil.

Try a vegetarian diet with more fruit and vegetables instead of meat and fish. Meat takes longer to digest. That means that it is going to produce toxins in your stomach. These toxins are going to have a harmful effect on your skin. So you may find yourself suffering from a possible pimple outbreak. Prevention is always better than cure. So the cure is in your hands!

Hopefully, this information is useful in helping you control, prevent and cure your acne problem.



Weight Loss – Ending Your Diet Mentality Means Greater Success With Losing Weight

Are you overweight, or do you feel you have weight to lose? Do you have Type 2 diabetes? If you have answered yes to these questions, there is a good chance you are a victim of the “diet mentality.” The diet mentality is one that may seem fruitful in theory but is ineffective in practice. It is certainly a sound idea to plan your diet and nutrition around your health goals, which may involve your weight or blood sugar level. But there is one ingredient integral to the success of any diet, which is inherently lacking in most.

This ingredient is the ultimate purpose of the weight loss plan. Is the weight loss plan being used as a means of producing quick change, or introducing lasting habits? Those who have internalized the diet mentality mostly lean towards the former. For a case in point, consider the surge of people undertaking a new food plan at the turn of the New Year. New Year resolutions are notorious for their ambition. Unfortunately, they tend to be resolutions that are usually broken as a mechanism for quick change is one lacking a sustainable basis.

Before we go any further, allow us to clarify there is nothing wrong with looking to improve your health by dieting. Changing your food choices in an attempt to lose weight or lower your blood sugar is a worthy goal deserving recognition. But you must be very careful – don’t fall victim to the “diet mentality” and its many drawbacks.

Ending this thinking may be easier said than done. It is human nature to look for shortcuts in an attempt to save time and effort. It is genuinely difficult to make a lasting change when it is natural to overlook long-term benefits for the short-term ones. But if you are to ultimately succeed, this is precisely what you must do: look at the long-term benefits.

Ending or avoiding the diet mentality is in your best interest. Those who still have it will benefit from trying something new. Instead of planning the next few weeks or months around a particular goal, it is better to imagine where you would like to be and doing what it takes to get there, regardless of how much time is needed.

To clarify, here is an example. Let’s say you would like to lower your blood sugar to a healthier range and lose 20 pounds. Determine what you need to do to get there regarding diet and lifestyle, and don’t set an end date to reach your goal. Focus strictly on the process – ensure each day you are acting according to your plan. Measure your progress every so often but don’t worry about how quickly you are moving forward. Small steps may be slower than leaps, but you are much less likely to stumble.

Start thinking long-term. The “diet mentality” excites and motivates but is also full of broken promises. When it comes to dieting, a commitment to making lasting change is what it takes to succeed.



The 7 Personal Training Fat Loss Rules

Fat loss is a complex science. Metabolism, energy systems, lean muscle tissue development; all of these things can make your head spin when you are new to exercise and want to learn the best and most efficient way to lose fat. I have developed a system that I use effectively with my personal training groups. They see huge gains in fat loss and have fun training at the same time.

In order to effectively and permanently lose fat, you must change your metabolism. In the simple sense, metabolism is the way that your body processes and breaks down energy (calories). If you increase your metabolism your body will burn calories more efficiently at rest and not just during exercise sessions.

Here are my 7 Personal Training Rules for Fat Loss:

1. Eat small meals (5-6 per day): Eating small meals throughout the day will keep your metabolism at a consistent level and will help you avoid spikes in insulin due to large meals. This also helps to avoid becoming too hungry and making bad choices. If you are fueling your body with good nutritious food throughout the day, your energy will increase and you will have stronger workouts, ultimately leading to more fat loss.

2. Post workout nutrition: Many people avoid eating after a workout because they don’t want to ingest any calories after burning so many. The post workout nutrition is important to recovery and also to the body’s metabolic system. Try including a small liquid protein mix no later than 30 minutes after your training session. During this time frame your body is primed to receive nutrients and protein, and the liquid will digest much easier than food. Mixing the protein with water will also help with hydration. The shake should be anywhere from 150-200 calories so I recommend a scoop of high quality protein with 8-10 ounces of water.

3. Hydration: Keeping the water levels in your body consistent is crucial to fat loss. Hydration can increase the metabolism, not a lot but even a little is better than nothing. Drinking water will help to fuel your workouts, increase energy, and eliminate all of the other fluids that people drink (many with a lot of calories).

4. Strength Training: Strength training is a key to fat loss and lean muscle development.

Increasing lean muscle tissue will lead to a faster metabolism and calorie burn at rest. 2-3 days per week of large muscle group movements, full body workouts, and heavy weights will burn a lot of calories, increase your metabolism, and promote fat loss in the most efficient manner.

5. Interval Training: Get rid of the steady state cardio training. Perform shorter and more intense workouts and you will see a boost in your overall calorie burn. The harder that you force your body to work, the more calories you will burn. This does not mean running for a longer block of time on the treadmill, just increase your intensity. 30 minutes of training with 1-2 minute intervals followed by 1-2 minutes of recovery work will burn a higher percentage of calories and increase your metabolism post-exercise. Don’t believe the hype about “fat burning zones”. You will burn fat as a fuel source but your overall calorie expenditure is much less. Other great conditioning options include jumping rope, sprints, circuits, and stair running. Make your body do all of the work and avoid machines!

6. Vary your routine every 3-4 weeks: The body is a smart machine. After a few weeks of a certain stimulus, the body will respond and results will become less efficient. Changing repetitions, sets, tempos, weight used, number of days that you train, and rest periods will all help to keep the workout fresh. After a few weeks, change the workout completely.

7. Have fun with exercise and training: Don’t think of exercise as a chore. Every workout will enhance your overall well-being both mentally and physically. Make it fun by spicing up your workouts. Hire a personal trainer to set up a routine and push you beyond your normal limits. Think of training as a road to health and happiness. Exercise can improve your overall lifestyle, both physically and mentally.

Use the Seven Personal Training Rules of Fat Loss to get your training on the right track. Applying these principles will help to avoid a lot of wasted time and energy. Efficient and fun workouts, along with a combination of strength training and interval conditioning, will elevate your metabolism, burn fat, and get you into great shape.



Solar Hot Water Systems

The primary components of a drainback-type solar hot water system include:

  • Solar collectors – typically installed on the roof, the solar collectors gather heat from the sun.
  • Storage tank– residential storage tanks are generally 65-120 gallons, depending upon the number of people in the household. Hot water flows from here to the fixtures in your home or business.
  • Drainback tank– this small tank provides freeze protection, and holds the liquids that circulate through the solar loop when the pump is off.
  • System Controller– The system controller is a small, sophisticated computer. This computer is attached to temperature sensors on the roof and in the storage tank, as well as the circulating pump. When the collectors are warmer than the storage tank, the controller switches the system on.
  • Circulating Pump– The circulating pump runs the solar loop. Water circulates through the collectors on the roof and gets hot. From here, the water flows down to a heat exchanger where it heats the water in your storage tank. Cooler water then circulates back up to the roof, where the cycle begins again.
  • Flow meter– The flow meter is used to attain optimum circulation, so that heat is transferred efficiently to your storage tank.
  • Pipes and Insulation- Because of the heat generated by the solar collectors, we recommend copper pipe. PVC piping, particularly near the solar collectors, will not withstand the high temperatures generated. High quality insulation surrounding the copper pipes in a solar hot water system prevents heat loss and makes the system more efficient.

How to choose the system that’s right for you

If you’re interested in a drainback-type system, you’ll want to consider the following.

  • Where should I put the collectors? If you have a south-facing (or near-south) roof that’s unshaded, this is often the ideal location. For a drainback system, the collectors need to be above the level of both the drainback tank and storage tank.
  • What type of collector should I use? There are many options out there. Sustainable Future offers two types, flat plate collectors manufactured by AET and evacuated tubes manufactured by Sunda. For some people, it’s an aesthetic decision. Flat plate collectors look more like skylights if they are flush-mounted. You’ll need slightly less surface area if you use the evacuated tubes. For residential systems, the cost of using one versus another is very similar.
  • Do the collectors need to be tilted at an angle? Ideally, yes. However, if you prefer the look of flush-mounted collectors, this can be done with a small decrease in the efficiency of the collectors. If efficiency is of primary importance, we suggest tilting the collectors approximately 10 degrees more than your latitude (for customers in the northern hemisphere). This gives a “winter bias” and makes your collectors most efficient during the winter months when the sun is low in the sky.
  • What happens at night or when it’s cloudy? A well-insulated solar hot water system will retain the heat in the tank overnight with no problem. If, for example, it’s cloudy for a week in December and you’re using your hot water each day, most systems have either a gas or electric backup to provide supplemental heat if enough solar energy isn’t available. We can also retrofit your old hot water system.
  • What size storage tank do I need? This depends upon how much hot water you’re using per day. For 3-4 people, we recommend an 80-gallon solar storage tank. If you have teenagers who like long showers or a larger family, you may need the 120-gallon tank.



Surfside Beach Condo For Rent – Getting the Most For Your Money

When in search of the lowest cost surfside beach condo or any other seaside vacation home, there are a few factors that significantly determine the cost of your oceanfront property rental.

Location

The more popular vacations destinations and vacation spots close to tourist attractions generally have the highest rate for oceanfront property accommodations.

If the main objective of your vacation is the enjoyment of being at the beach you have many choices for vacation home rentals, each offering equal or better beaches, views, amenities and substantial savings. If your vacation plans include visiting cultural or recreational attractions and you want to save money on your vacation home rental consider renting your surfside beach condo at a neighboring beach. Weigh the cost of time and travel over the convenience and extra expense of being nearby to decide if the savings are significant enough to consider.

Also keep in mind that choosing an oceanfront property rental in an area less frequented by tourists, gives you a great opportunity to get away from it all, get some rest and relaxation. After all isn’t that what vacations are known for?

Season

Season plays a big part in cost of renting a surfside beach condo. You’ll find the lowest priced vacation home rentals in midsummer in the most southern states, such as Florida. While the lowest price vacation home rentals can be found in the fall and winter in the Carolinas.

By doing a little research on weather and seasonal prices you could save a substantial amount of money on the cost of a surfside beach condo or other oceanfront property rental.

Ownership

By far this can be one of the most significant factors determining the rental rate of a surfside beach condo. There are a significant amount of condo owners that don’t live full-time in their oceanfront property homes and rent them weekly, monthly, and or seasonally.

Because these properties usually don’t get the exposure of managed vacation rentals, there are definitely some bargains to be found. Searching the internet for vacation rentals by owners will give you a treasure trove of properties to choose from.

Amenities

Amenities are usually a big deciding factor in the cost of renting a vacation home but they don’t have to be the biggest one. By using the methods above to help find a surfside beach condo you may find yourself enjoying the same amenities as other vacation home rentals but just paying less.



Parabolic Solar Oven

Mention solar power to someone and they immediately think of solar panels. A parabolic solar oven, however, has a much more practical use when it comes to feeding ourselves.

Parabolic Solar Oven

While searching for ways to reduce the use of nonrenewable resources, you might encounter solar power. Solar power, or solar energy, is the use of the sun’s rays to either create energy (electricity), charge a battery, heat water or other fluids, passively heat homes through glass windows, or even cook foods. When solar power is used to cook food it’s often in the form of a solar oven, which can be used in place of firewood and other fuels in order to cook meals. One popular type of solar oven is the parabolic solar oven, used over others for many reasons.

A parabolic solar oven collects the sun’s rays by using a reflective surface in a parabola, or curved shape. There are many different styles of parabolic solar ovens available, and there are instructions available to create most of them. The parabolic style allows for food to cook at much the same rate as a conventional oven, making it more convenient than other outdoor cooking methods such as campfires. Additionally, since the parabolic solar oven doesn’t use wood or other fuel, it’s quicker to start cooking and requires little time to set up – whereas with a campfire, you’ve got to spend time hunting for firewood, as well as lighting the fire and waiting for it to get hot.

One easy way to start building your own parabolic solar oven is by using a ready-made satellite dish (of course, use one that someone has discarded). Its parabolic shape is perfect for creating the oven, and all you need to do is coat the inside with a reflective substance, such as a mirror finish reflective aluminum sheet. Other people prefer to start their parabolic solar oven with more of a bowl shape, as they believe this allows food inside to cook better and helps to shelter the food from the wind.

Once you have the parabolic solar oven, you need to consider the cooking pot. The pot needs to be of a dark color. It also needs to be placed in the correct position. The parabolic solar oven should be oriented to the sun. The pot should then be placed on a small stand so that it sits at the point of focus for the oven. If you imagine a magnifying glass, the pot should be located where the glass focuses its beam. Once in position, the oven should work for 60 to 90 minutes. If the food is not cooked by then or another pot needs heating, the oven should be readjusted to the orientation of the sun.

When using your parabolic solar oven, be sure to always wear UV (ultraviolet) protective sunglasses that are darkly tinted. The reflection off the aluminum that helps to cook the food at a quick rate also can burn your retinas quite easily. You’ll also want to make sure to cover your parabolic solar oven whenever it’s not in use – this will prevent accidental flashes of light from blinding people as well as prevent the oven from heating up when it’s not needed. If you follow these simple steps, having your own parabolic solar cooker can be a great asset to your environmentally conscious lifestyle.



How To Meet Your Behavioral Goals To Make Yourself A Better Person

There’s an intriguing study that demonstrates that there might be a trick to meeting our behavioral goals more promptly. The mystery? Consider yourself in the third person as you measure your progress.

The study evaluated the progress in 2 groups of individuals who were attempting to make a favorable change in their lives. The individuals who took part in this study were separated into 2 groups. One group was encouraged to imagine in the first person. The 2nd group was encouraged to consider their progress from an outsider’s viewpoint.

Interestingly, the participants who thought of themselves from an outsider’s position enjoyed a quicker path to betterment.

As you carry out the process of bettering your self-image and increasing your self-confidence, attempt to consider yourself as a separate individual. See yourself as a stranger who is on a path towards favorable change. Make sure to observe this individual’s achievements!

Psychologists asked participants in a study to picture a certain event from their lives either out a first-person or third-person view. The volunteers then measured how much they believed they had changed since the event had happened.

For instance, in one study thirty-eight university students who had been in psychotherapy were expected either to remember their first appointment through their own eyes (1st person) or “from an observer’s visual position” (3rd person). Those who remembered their appointment from a 3rd -person position reported that they had made significantly more advancement in treatment than did those who took a 1st -person position.

The investigators likewise discovered that memory perspective may impact behavior. They recruited university students who stated they had been socially clumsy in high school and expected them to visualize an affair of their social clumsiness either from a 1st- or 3rd -person position. Not only were those who recollected their clumsiness from a 3rd -person view more likely to state they had changed, but they likewise were more likely to be more socially proficient — originating conversations, for instance — just after the experiment when they didn’t know they were being watched.

Once participants remembered past clumsiness from a 3rd -person view, they felt they had changed and were now more socially skilled. That led them to act more sociably and look more socially skilled to the research helper.

A 3rd -person position accents perceived alterations when individuals seeking self-improvement are centered on differences between their present and past egos. But once the volunteers were asked to center on similarities from the past times by envisioning a past event that was favorable, like something they were pleased with, the 3rd -person position tended to raise perceptions of continuity between the here and now and a favorable past self.

Put differently, remembering memories from a 3rd -person position gives rise to judgments of higher self-change when individuals are inclined to seek evidence of change, but lesser self-change when they’re inclined to seek similarities of the past or grounds of continuity.

The research indicates that the saying, “It hinges upon how you view it,” has literal fact when it comes to measuring personal change.

Hold in mind that altering our behavior is an essential step to bettering self-esteem. If we wish respect, we need to communicate to other people that we’re worthy of regard. We need to accept responsibility for our own level of self-regard. Blaming other people for the past won’t get you the self-esteem you wish in the here and now. Center on what you want, be aware of your self-talk, be determined to make the essential changes and treat yourself with value.



Everything About Life Insurance!

I want to start off this 2010 with an article regarding Life Insurance. Many people find this topic morbid but believe me when I say this contract is as important as a Will and should be taken just as seriously as health insurance. Due to the length in details of this article I have provided chapters for easy reading. I hope this will educate you on Life Insurance and the importance of its necessity. (Note: For better understanding “You” is the policy owner and the insured)

Chapters:

1= Introduction

2=When/If you have Life Insurance already

3= Difference between a Insurance Agent and Broker

4= Types of Policies

5= What are Riders and popular types of Riders

6= The medical exam

1) About general Life Insurance:

This is a contract between you and an insurance company to pay a certain amount (the premium) to a company in exchange for a benefit (called the Death Benefit, face amount, or policy amount) to the beneficiary (the person you want to get paid in the time of your death). This can range based on the type of policy (which will be discussed momentarily), your health, your hobbies, the Insurance company, how much you can afford in premiums, AND the amount of the benefit. It sounds overwhelming but it is not if you have the right agent or broker.

Now many people can say that Life Insurance is like gambling. You are betting that you will die in a specific time and the insurance company bets you won’t. If the insurer wins, they keep the premiums, if you win…well you die and the death benefit goes to the beneficiary. This is a very morbid way of looking at it and if that is the case you can say the same for health insurance, auto insurance, and rental insurance. The truth is, you need life insurance in order to ease the burden of your death. Example 1: A married couple, both professionals that earn very well for a living have a child and like any other family has monthly expenses and 1 of the couple has a death. The odds of the spouse going back to work the next day is very slim. Odds are in fact that your ability to function in your career will lower which RISK the cause of not being able to pay expenses or having to use one’s savings or investments in order to pay for these expenses NOT INCLUDING the death tax and funeral expenses. This can be financially devastating. Example 2: lower middle income family, a death occurs to 1 of the income earners. How will the family be capable of maintaining their current financial lifestyle?

Life insurance is about the ability of lowering the risk of financial burden. This can be in the form of simple cash or taxes via estate planning.

KEY Definitions:

The Insured: The person that is covered by the insurance company (He/She does NOT have to the policy owner)

The (policy) Owner: The one that pays the premium, controls the beneficiary, and basically owns the contract (Does NOT have to the insured…hope you understand it can be either/or).

Face Amount: Also known as the death benefit. The amount to be paid to the beneficiary.

The Beneficiary: Is the person/persons/organization who will receive the face amount (death benefit)

2) When/If you have Life Insurance:

First, you should review your beneficiaries once a year and your policy approximately once every 2-3 years. This is free! You need to make sure the beneficiaries are the people/person you want to get paid! Divorce, death, a disagreement, or anything of the sort can make you change your mind about a particular person to receive the benefit so make sure you have the right people, estate/trust, AND/OR organization (non-profit preferably) to receive the benefit. Furthermore, you need to review every 2-3 years because many companies can offer a lower premium OR raise the benefit if you renew your policy or if you find a competitor that sees you have been paying the premiums may compete for your business. Either way, this is something you should consider to either save money or raise the policy amount! This is a win-win for you so there should be no reason not to do this.

3) Life Insurance Agent or Broker, what is the difference?:

The major difference is an Agent is usually an independent sales man that usually works with different insurance companies in order to give the client the best possible policy while the Broker works for a particular company. My personal advice: always choose an Agent. Not because I am one myself BUT because an agent can look out for your benefit by providing different quotes, types, riders that are available (explained later), AND pros/cons regarding each insurance company. If you don’t like a particular insurance company, tell the agent and he should move on to the next carrier (if he persist for some odd reason, fire him). Buyers BEWARE: The Agent should get paid by the carrier that is chosen, not by you specifically. If an Agent asks for money upfront for anything, RUN! There are also Insurance consultants that you pay but to keep things simple, see an Agent. Consultants and Agents are also great in reviewing current policies in order to lower premiums or increase benefits.

4) Types of Policies:

There are 2 main categories: Term and Permanent Insurance. Within each of the 2 categories have sub-categories. I will explain them at a glance in order for you to make the best possible choice for you and your loved ones. Remember, you can have estate/trust or a organization as the beneficiary. (Note: There are even more sub-sub-categories within these sub-categories but the difference are so small and self explanatory that I have not included it in this article. Once you speak to an agent you will have enough knowledge by this article that you will know what questions to ask and know if you agent is right for you).

Term Insurance: A temporary policy in which the beneficiary is paid only upon death of the insured (you) within a specific time period (hence the word “Term”). Term Insurance is usually less expensive with a smaller death benefit. Some do not require medical exams BUT expect to pay a higher premium since the risk of the insurance company is unknown. Also, term insurance normally does not accumulate cash value (explained in permanent insurance) but can be purchased on top of your permanent policy (for those that may have coverage already):

Convertible Term: Ability to convert policy to permanent. There are some REALLY GOOD policies that require no medical exam, driver history, or hazardous avocations at a certain point in order to convert to permanent coverage guaranteed with all the benefits that permanent insurance policies has to offer.

Renewable Term: Able to renew a term policy without evidence of insurability.

Level Term: Fixed premiums over a certain time period than increases (great for those that are young adults and expect within 10 years to have a increase in pay).

Increasing/Decreasing Term: Coverage increases or decreases throughout the term while the premium remains the same.

Group Term: Usually used for employers or associations. This covers several people in order to reduce premiums. (Great for small business owners)

Permanent Insurance: Just as the name states, this provides coverage throughout the lifetime of the insured. This also builds cash value which is fantastic for tax purposes because if you loan out money to yourself using this cash value there are no tax implications. Few policies may have in general withdrawal tax-free. However in most cases, If you withdraw the cash value you pay the only the taxes on the premiums (the amount that grew) which is fantastic. Just make sure your agent knows not to have the cash value grow larger than the death benefit otherwise it is subject to 10% taxes! Surrender charges may also apply when you withdrawal so PLEASE consult with an agent who can assist you with these details. You should consider Permanent Insurance if you have a family and don’t mind an increase in premiums (amount you pay) by a few dollars compared to term.

Traditional Whole Life: Pay a fixed amount of premium in order to be covered for the insured’s entire life which includes accumulating cash value.

Single-Premium Whole Life Insurance: Whole life insurance for 1 lump sum premium (usually that 1 lump sum is very large in order to get a great death benefit).

Participating Whole Life Insurance: Just like Traditional Whole life except it pays you dividends which can be used as cash OR pay your dividends for you! There is no guarantee that you will be paid the dividends, this is based on performance within the insurance company.

Limited Payment Whole Life Insurance: Limited payments for whole life but requires a higher premium since you are in fact paying for a shorter amount of time. This can be based on payment amounts (10, 20, 30, etc payments) or a particular age (whole life is paid up at age 65, 75, 85, etc).

Universal Life Insurance: Flexible premiums with flexible face amounts (the death benefit) with a unbundled pricing factors. Ex: If you pay X amount, you are covered for X amount.

Indexed Universal Life: Flexible premium/benefit with the cash value is tied to the performance of a particular financial index. Most insurance companies crediting rate (% of growth) will not go below zero.

Variable Life Insurance: Death Benefit and cash value fluctuates according to the investment performance from a separate account of investment options. Usually insurance policies guarantee the benefit will not fall below a specified minimum.

Variable Universal Life Insurance (also called Flexible Premium Variable Life Insurance & Universal Life II/2): A combination of Variable and Universal which has premium/death benefit flexibility as well as investment flexibility.

Last Survivor Universal Life Insurance (also called Survivorship or “Second to die” Insurance): Covers 2 people and the death benefit is only paid when both insurers have died. This is FANTASTIC and somewhat a necessity for families that pay estate taxes (usually High-Net-worth individuals).

5) Life Insurance Riders, what is it and why is it very important:

Rider is the name of a benefit that is added to your policy. This provides special additions to the policy which can be blended and put together. There are SO MANY types of riders that I would have to write a different article regarding Riders (and insurance companies add new types of riders often) but I want to at least name the most popular (and in my opinion, the most important) that you should highly consider when choosing a policy. Riders add to the cost of the premium but don’t take riders lightly; it can be a life saver!

Accidental Death Benefit Rider (AD&D): Additional death benefit will be paid to the beneficiary if you die from a result of an accident (ie: Car accidents, a fall down the stairs). This is especially important if the insurer travels often, relatively young, and has a family. Please note: You can buy AD&D Insurance separately.

Accidental Death & Dismemberment Rider: Same as above BUT if you lose 2 limbs or sight will pay the death benefit. Some policies may offer smaller amounts if losing 1 eye or 1 limb. This is great for those that work with their hands.

Disability Income Rider: You will receive a monthly income if you are totally and permanently disabled. You are guaranteed a specific level of income. Pay attention to this detail, depending on the policy it will either pay you depending on how long the disability lasts OR time frame of the rider.

Guaranteed Insurability Rider: Ability to purchase additional coverage in intervals based on age or policy years without having to check insurance eligibility.

Level Term Rider: Gives you a fixed amount of term insurance added to your permanent policy. This rider can add 3-5 times the death benefit or your policy. Not a bad deal!

Waiver of Premium Rider: If you become disabled which results to the inability to work/earn income, the waiver will exempt you from paying the premiums while your policy is still in force! There is a huge gap between policies and insurance companies so the devils in the details with this rider.

Family Income Benefit Rider: In case of death of the insurer, this rider will provide income for a specific time period for your family.

Accelerated Death Benefit Rider: An insurer that is diagnosed with a terminal illness will receive 25-40% of the death benefit of the base policy (The decision is made between the insurer and the insurance company). This will lower the death benefit however depending on your finances or living lifestyle, this rider should not be taken lightly and should seriously be considered.

Long-Term Care Rider: If the insurer’s health compels to stay in a nursing home or receive care at home, this rider will provide monthly payments. Please Note: Long Term Care insurance can be bought separately for more benefit.

6) The Medical Exam:

This section is not to scary you away but to mentally (and possibly physically) prepare you for the medical exam so this way you know what to expect and can get the lowest possible premiums while receiving the highest possible death benefit. This really shouldn’t be a concern if you work out regularly and maintain a healthy eating habit (notice I said habit and not diet. Diets don’t work for long term).

The exam is mandatory for most insurance policies. Many term insurance do not require one but expect a low death benefit and/or higher premium. The idea of the exam is not just to see if you’re insurable but to also see how much they will charge the insurer/policy owner. The exam is done by a “paramedical” professional that are independent contractors hired by the insurance company who either come to your home or has an office where you/the insurer visit. They are licensed health professionals so they know what to look for! In very few cases the insurance company may ask for an “Attending Physician Statement (APS)” from your doctor. This must be provided by your doctor and NOT copies by you. TIP: The “paramedical” job is to give the insurance company a reason to increase your premiums so don’t give any details that are not asked.

First part (either called Part 1 or Part A) is complete by the Agent or by you. Part 2/B is the paramedical or physician portion. The best bet is to have your agent contact a paramedical that specializes in mobile exams for an easier exam for you. Paramedical will contact you to schedule an appointment. The exam is not optional so it’s not a matter of yes or no but when and where. This entire exam will cost you nothing except time so make the time, life insurance is important!

The paramedical/physician will take your medical history (questions), physical measurements of height and weight, blood pressure, pulse, blood, and urine. Additional tests will vary based on age and policy amount (yes, the higher the death benefit = the more tests that must be provided). Now if the policy is substantial, the insurance company may not send a paramedical but require an actual Medical Doctor to exam you. Of course, this is chosen by the insurance company so remember my tip earlier! This exam may even include a treadmill test and additional crazy exams in order to see if you qualify for that substantial amount and low premium. On the flip side, if you choose a low insurance policy, you will just have a paramedical doing simple tests that mentioned earlier with no additional exams.

What they are looking for: Paramedical/Physicians are looking for health conditions that may shorten your life. Remember, insurance companies are here to make a business and if you’re a liability then it might be a risk they do not want to take or raise the premium to make the risk tolerable. Blood and urine is taken to see the following:

– your antibodies or antigens to HIV

– Cholesterol and related lipids

– Antibodies to hepatitis

– Liver/kidney disorders

– Diabetes

– Immunity disorders

– Prostate specific antigen (PSA)

– Drug tests such as cocaine

The Results: They are sent directly to the insurance company’s home office underwriters for review. Many times you can request (must be written request) to receive a copy of the results however many insurance companies will automatically do this. Many times they will find abnormalities but it’s usually not a concern and just speak to your medical professional for a follow up (remember: the insurance company will look at these exams with a “fine tooth cone” in order to see what the risk are). The underwriters will look at the exam results and the application (remember part 1/a? well, now they want to see if your also lying) and determine the premium amount. Smokers pay more; any nicotine in your system will consider you a smoker, even if it is just socially.

The premium is determined by a category that you fit in. This really depends on the insurance company on how they factor but the general rule is if you are a higher risk, you pay higher premium. If you are standard risk, you will pay a standard premium, and if you are a preferred risk, you will pay a low premium.

You can decline the policy after you receive the final quote after the exam but do remember this: All results will become part of the MIB group’s database (Medical information Bureau). This is a clearinghouse of medical information that insurance companies use to store information after you apply for Life/Health/Disability Income/Long Term care/Critical Illness insurance. So for seven years it will be on database. You can receive a free report annually (like a credit check) at their website which I included at the bottom of this article.

Now that you know practically everything there is to know about life insurance. I hope you realize how important it is. It may seem like a lot but the hardest part is simply choosing what type of policy is right for you. This can be done with the help of your Agent. In the end, everyone is different and everyone should analyze their own situation and need for the beneficiaries. If you have even the slightest concern for a loved one regarding what will happen if you was no longer with us then you should consider life insurance. There truly is a feeling a relief once you know you and your loved ones are covered regardless of how much you or that person makes. For many that feel that their loved ones don’t need the death benefit due to whatever the case may be (“they earn enough money to survive” is the biggest reason I hear against life insurance), this can be a simple last gesture of “I love you” or appreciation for them being part of your life.

I hope I was able to educate you in Life Insurance and if you have any additional questions please feel free to email me.

MIB website: http://www.mib.com/html/request_your_record.html



Advantages of Colon Cleanse Products

Allow me to state some facts that are concerned with the advantages of keeping the colon clean. Liver is an important organ that is commonly attributed to the synthesis of the food. There are some products that the liver cannot synthesize, and these are transported to the colon, where they accumulate in due course of time. Sparse amounts of the same will be present in the liver and the concentration of these will keep on increasing with the passage of each day. Finally, one fine morning the liver might stop working and if proper medical attention is not provided then it will lead to the demise of the patient.

The entire scenario might sound scary, but this is the truth. The good news is that you will be able to eliminate such toxins from the body. The bad news is that people are not aware of such policies and end up sick. There are various advantages to choosing some of the very best colon cleansing products. The primary function of these products is to flush the toxins from the human body. The flushing is done through excreting the toxins after unclogging them from the body. A clean colon is necessary for a clean and healthy lifestyle.

Colon cleansing products are primary derived from natural products and synthetic products. As always, stick with the natural colon cleansing products. They are known to act in the same manner like their counterparts. Besides, they do not pose any serious health implications on the body. You see, such products have an addictive nature associated with them. This addictive nature is commonly found in the synthetic compounds and less on the products derived from natural substances. Certain healthy practices will ensure that your colon is always kept clean.

Certain other advantages of keeping the colon clean using the colon cleansing products are listed in the rest of the article. Colon cleansing will lead to loss of weight. Ask any diet specialist, they will be listing colon-cleansing products as one of the best ways to get started in the weight loss paradigm. Drowsiness is another symptom associated with a clogged colon. People hate to wander all around with drowsiness, and if you too are experiencing the same, switch to some of the best colon cleansing products. The metabolism rates will be increased as a direct result of ingestion of colon cleansers.

This will lead to an increase in the levels of energy and people tend to actively partake in their day-to-day activities without fail. The nutrients present in the foods consumed will be absorbed more effectively – this is also an outcome of the increased rate of metabolism. Some skin specialists list colon cleaners for improving the complexion of the skin. The moods will be uplifted greatly and the chances of constipation are reduced. Always seek the advice of your personal doctor or a physician before resorting to administering colon cleansers. I would like to advise that you should always invest on natural colon cleansing products.