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Archive for June, 2010

There are many perks that come along with secure employment. Along with job security and your salary, many employers also offer group life insurance plans as part of the benefits package. Group insurance policies are provided by the company / employer to their employees. The cost of such a policy is spread over a large group and can offer an array of benefits and savings to the members of the group.

Group insurance in other words is a single insurance policy that covers a specified group of people. These could include employees of a company or even members of professional organizations. The policies could also include dependents of the members. The idea behind a group policy is to have a larger group of people over whom the risk of claims is spread. While everyone pays the same premiums here, you could have members with different health conditions (some could have above average health and others might suffer from ill health).

Group insurance could benefit a company in many ways. It could reduce absenteeism in cases of illness, increase productivity, reduce overall liability of the company or organization and build up relations between employer and employee. Over the past few years, rates for group insurance have decreased significantly. Premiums are divided between the employer and employee but the choice of plan is made solely by the employer. Therefore, it is imperative to make sure that they are aware of what you need and take all possible aspects into consideration before choosing a group policy.

For those who have difficulty qualifying or getting coverage on their own, then a group policy is an excellent option. For those who have below average health, are older and need an insurance policy that asks no questions, a group policy is the best option. The one major drawback regarding group life insurance is that coverage stops when you leave your job. And in the unfortunate event that you have to leave your job due to a serious illness or disability, you will be unable to find new insurance at that point. Therefore, if you are young, relatively healthy and are looking for coverage for a guaranteed amount of time, an individual plan might be a better choice for you.

Individual insurance is a single insurance policy that covers only one person. Policies available could be term insurance (where the coverage is fixed for a specified period of time – ranging from one to thirty years) and whole life insurance (where the policy holder is covered for his/her whole life). Term life insurance is less expensive as compared to a permanent life policy as it has no investment benefits attached. Death benefits can be claimed to offset funeral expenses, pay off pending debts and look after the family’s expenses after the policy holder’s demise.

Differences between Group and Individual Insurance
Group policies are not based on individual health. Irrespective of factors such as health conditions, gender, age, etc. everyone in a group policy is grouped together in one category. This works in favor of those who suffer from ill health or who are older. But for those members who are young and still healthy, they might end up paying more than is necessary for their coverage. An individual term life policy for a non-smoking, healthy applicant could be up to fifty times cheaper than a group policy premium.

Group costs also tend to increase when a member enters the next age bracket and the rates are not guaranteed either. Individual term insurance can be fixed to remain level for specified periods of coverage. In case you leave your job or your employment is prematurely terminated, coverage in a group policy cannot be carried on to your next job and the costs to then convert to an individual plan can be prohibitive. Individual term life policies are usually guaranteed renewable. Depending on the type of insurance policy opted for; you could even tailor your plan to meet a host of specific needs.

At the end of the day, what is most important is that you take out an insurance policy – whether group or individual and thereby offer a secure future to your family and loved one. Depending on your individual situation and taking all key factors such as age, health, medical history and occupation into consideration, you should work in conjunction with your agent or insurance provider to reach a well-informed decision regarding what your best insurance policy option would be.

Outdoors-East Bay Through July 11
ARDENWOOD HISTORIC FARM Ardenwood farm is a working farm that dates back to the time of the Patterson Ranch, a 19th-century estate with a mansion and Victorian Gardens. Today, the farm still practices farming techniques from the 1870s.

Read more on The Berkeley Daily Planet

Learn The Method On How To Look Younger Without Using Any Anti Aging Products.
Facial Exercise Secrets.

True beauty is the external reflection of an inner balance. To get that radiant glow that will light up your features, nurture yourself on the inside.
One of the easiest ways to create the internal happiness and peace that will make people wonder, “What did you do to yourself?” is to smile for no reason at all. According to a study by Dr. William Fry of Stanford University, smiling stimulates the human brain to release morphine-like chemicals naturally that inhibits infection and lessens pain. Smiling also reduces stress-related hormones and increases heart rate and blood circulation, which will not only elevate your mood, but also improve the appearance of your skin.
Various studies also show that you do not have to be happy when you smile to create these beneficial effects. Merely raising the ends of your lips in a mock smile will provoke a positive biological and psychological response in the brain and body. Admittedly, it is difficult to smile when faced with a challenging or painful situation. At first, you might feel tension from competing emotions. But if you hold the smile you will find positive thoughts and emotions eventually overriding the negative ones automatically.
When you combine smiling with breathing and concentration, as in meditation, its effect is compounded. It’s even stronger when your smile grows into a full-bodied laugh. Practicing the following meditation from Ilchi Lee’s Brain Education System Training (BEST) regularly, at best every day, will make it easier and easier for you to release stress and create happiness inside, without being overly affected by external circumstances.
1.    Sit comfortably and shrug your shoulders up and down to relax.
2.    Breathe in and out several times, massaging your face to release the tension in your facial muscles. Leave your mouth slightly open as you exhale.
3.    Breathe in, close your eyes gently, and breathe out while forming a slight smile. Breathe in and out deeply and naturally.
4.    As you continue to exhale let your smile become wider and wider. Repeat this several times, focusing on the motion of the smile on your face as a light breath escapes through your lips like a gentle wind.
5.    Slowly shift your consciousness to your brain and feel your brain when you breathe out with a smile. You will feel your brain become lighter, more refreshed, and peaceful.
Eventually you will be able to create the same end state by just smiling and taking a deep breath. Then you will be able to smile easily with true peace and happiness, making yourself and the people around you look and feel beautiful.

With the colder weather soon upon us there will be plenty of illnesses going around before we know it. Even if you are one that washes your hands often the germs around us that cause colds and the flu can’t always be prevented. As a result the circulate in our homes, offices, schools, and even childcare centers. You can help to boost your immune system against such common illnesses though with alternative medicine.

When your body is affected by such illnesses it can take quite a while to feel your self again. With the busy schedule that most people have it can be virtually impossible to just stop taking care of them and focus on getting yourself better. Preventative care with alternative medicine may mean that you don’t have to .

There are many other types of illnesses a person can suffer from as well. When you have a healthy immune system you will find the effects of them to be less severe than they would otherwise be. Your body can also have the strength it needs to fight such problems as diabetes and forms of cancer. Having a very healthy immune system will help you in many ways so don’t underestimate how boosting it can help you stay as healthy as possible.

Toxins can build up in the body due to what we eat and the environment around us. By drinking plenty of water as well as green tea each day you can naturally remove those toxins from your body. When they are eliminated there are less germs and other elements in your body that can lead to various types of illnesses. Exercising each day is also a great way to boost your immune system. Don’t forget to get enough rest each night as well.

Echinacea, Goldenseal, and Astragalus are natural herbs you can use in order to boost your immune system. Echinacea works to help cells grow that naturally fight off any form of infection found in your body. Each of the cells that you already have to fight will be stronger as well. That means you have an additional line of defense from the onset of any illness.

Goldenseal helps to fight off types of bacteria that can cause illness in your body. When you get such bacteria you may need antibiotics to remove it. By using Goldenseal you won’t become done with such illnesses. It is also known to prevent parasites from being able to survive in your body.

If you suffer from bouts of the common cold or sore throats on a regular basis you will want to take Astragalus. It is known to prevent people from suffering from such problems. It is safe for children to take as well. These three types of herbs can be found at local health food stores or purchased online.

By incorporating such methods of alternative medicine to boost your immune system you can feel your very best. You will be less likely to suffer from common illnesses that due circulate. If you are affected by them you will also have the ability to fight them off quickly and get back to your normal routine. Being able to stay feeling your very best will improve your mental health as well. As a result your mind and body will be able to find a good balance with each other.

New gym facility ‘bloody’ brilliant!
The town’s new lead councillor for culture and sport “nose” his new role is not all fun and games.

Read more on Reading Evening Post

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What exactly is this “Bad Cholesterol”?

Cholesterol is categorized under “Lipids” or “Fats”. They form part of the cell membranes and are very important in cellular functions. In the blood the fats are attached to proteins and they form groups of substances called lipoproteins.

*Low Density Lipoprotein (LDL)

*Very Low Density Lipoproteins (VLDL)

*High Density Lipoproteins (HDL)

Chylomicrons

Of these Low Density Lipoproteins are called ” Bad Cholesterol”. If the blood level of this bad cholesterol increases, it gets deposited along the walls of the blood vessels blocking the flow of blood. If the blood flow to heart is blocked it causes angina and myocardial infarction. If the blood flow to the brain is blocked it results in stroke.

On the contrary, High Density Lipoprotein is called ” Good Cholesterol” and it has protective function.

The Alternative Medicine

Though statins rule the roost when it comes to bring down and controlling the blood levels of bad cholesterol, the option of using alternative medicine is always there for its effectiveness, lesser cost and minimal side effects.

Before contemplating alternative medical treatment for decreasing cholesterol, one should know the optimum levels and high-risk levels of cholesterol.

Total cholesterol:

*

< 200mg/dL is the safe and desired level

*201-239mg/dL is borderline high risk

*

> 240mg/dL is high risk level

LDL Cholesterol:

*

160 is high risk level

The goal in people with higher risk factors for heart disease is less than 130 mg/dL. In patients who already have heart disease, the goal is under 100 mg/dL, according to FDA guidelines. And also one should increase the HDL levels or the good cholestrol. So now if you want to avoid statins and take only alterative medicine, then you have to follow two steps.
1. Avoid foods rich in fats
2.Take natural supplements

Fatty foods to be avoided:

The highest cholesterol content is found in meat, poultry, shellfish, and dairy products. As far as possible these food items should be avoided.

Natural supplements to bring down cholesterol levels:

There are numerous natural supplements, which are found, be effective in bringing down the cholesterol levels and it has been proved by many studies. Some of them are

*Beta Sitosterol: It is a plant sterol which reduce cholesterol levels

*Niacin: It is Vitamin B3 which lowers LDL cholesterol by 20%

*Fish oils

*Green Tea

*Psyllium and Flax seeds: These contain fibers which reduce the cholesterol levels

*Mangosteen and sytrinol: These are fruit extracts which reduce cholesterol levels

*Policosanol: it is derived from sugar cane and it reduces LDL cholesterol by nearly 25%

*Cholestin: It is a processed form of red yeast fermented with rice. Cholestin lowers LDL cholesterol by 20-30%. It also raises HDL.

*Soy protein: The isoflavones in it brings down LDL cholesterol by 10%

* Garlic: It reduces LDL cholesterol by 12%

*Aphanizomenon flosaquae (AFA): It is blue green algae, which reduces LDL cholesterol by 20%.

*Gugulipid an extract of Commiphora mukul, the gum resin of the mukul myrrh tree and Aspalathus linearis (Rooibos), a medicinal herb of South Africa are also effective

In addition to these supplements, the other treatment options available are diet regimens including Vegetarian diet, Asian diet, and Low Glycemic diet. A regular exercise will add to the beneficial outcome.

Feng Shui, an ancient Chinese philosophy, upholds that health is the most important aspect in your life. Health is the center of your existence, and without health, your life could be absent of balance and harmony. The key focus of Feng Shui and health benefits are to tackle poor health problems. Improved health with Feng Shui will allow you to seek balance and harmony in every facet of life. While health is the center of life, in Feng Shui it is also believed to be the center of the home. All rooms of your home, including your bedroom, living room, and kitchen, are believed to have a health area, which is the center of the room.

There are a number of ways that you can utilize Feng Shui and health in your home to bring balance to your life. First, remember that yellow is the color of health. This color is a great choice for decoration accents, such as pillows and curtains. Another important Feng Shui tip to remember is that nine is the number most often attributed to the enhancement of life. Arranging items in groups of nine may aid your health. By combining the color yellow and the number nine in elements throughout the home, you may achieve health benefits associated with Feng Shui.

Utilizing these ideas of the color yellow and the number nine as having benefits for Feng Shui and health, you can come up with a number of ways to incorporate positive elements into your home. For example, add some yellow flowers to your home, preferably in the center of a room or in the center on top of a piece of furniture. The middle of the coffee table in the living room or the middle of your kitchen table are two ideal places. One place in incorporate the use of the number nine is with wind chimes. Strategically place a wind chime made of nine chimes in a room with open windows. This is an excellent way to encourage positive Feng Shui and health. The open windows will allow sunlight and fresh air to enter your home.

Getting rid of unnecessary items throughout your home will improve both Feng Shui and health. Feng Shui philosophy emphasizes to avoid clutter, which is believed to bring a negative influence to health. Clutter should be eliminated from all areas of the home, even closets, bathrooms, garages, and attics. Not only should clutter be absent, but all items throughout the house should be neatly arranged in a fashion that is appealing to the eyes and promotes positive perceptions. If you want to improve Feng Shui and health by removing clutter, begin slowly and tackle one room at a time to avoid frustration. This approach will minimize the stress of rearranging your home into a more positive environment, and when the job is finished, you will be on your way to an entire home life free of stress.

A room in your home that can be a focal point for Feng Shui and health is your bathroom. The bathroom is associated with an area of dead chi, which can be reduced by incorporating living things such as plants or crystals into the room. Using bright colors in the bathroom can also reduce the affects of dead chi. One thing to be aware of is the arrangement of your bathroom door in relation to your bedroom. If the door is directly across from the bedroom, be sure to keep the door shut as much as possible. By separating this room from the rest of your house, you can prevent bad chi. Other ways to separate rooms are to use curtains or screens.

For the best Feng Shui and health, you need to also be aware of leaking fixtures, such as facets, showerheads, and toilets. Although water is an important part of Feng Shui, it has negative connotations if the water is being wasted, such as with leaks. Be sure to fix any leaky pipes, and your home will be healthier and closer to the ideals of Feng Shui.

Once the physical elements of your home have been adjusted to promote better Feng Shui and health, you need to also pay attention to the mental elements. Positive thinking is essential to maintaining a healthy home. A good way to encourage positive thinking is to allow a pleasant aroma to fill the air, such as lavender. A mixture of lemon or lavender essential oil and spring water makes a good spray for misting throughout the home. As you spray an aroma, repeat to yourself a few simple words, such as a wish for health. With your positive thinking, you can also keep in mind good health for your friends and family, as well as any person that may enter your home. Following these simple Feng Shui tips, you may just find yourself feeling healthier and better than you ever have before.