The Three Most Common Types of Insurance

There are many insurance plans available to offer coverage for various sorts of damage or accidents. All families should have at least one of these three.

Types of Homeowners Policies

Homeowner’s insurance falls under one of six categories. HO-1 and HO-2, as they are more commonly known, cover only the property against specifically listed damage. These policies vary as to what damage is covered, and neither protects belongings located on the property. HO-2 forms offer more coverage than an HO-1.

HO-3 protects against all types of damage, not just specifically listed damage. It also protects a select list of belongings located within the structure from specific damage.

HO-4 and HO-6 cover only belongings. Renters use these policies as the landlord or management company holds coverage on the dwelling. As with HO-1 and HO-2, HO-6 offers greater protection than HO-4 and is more expensive.

HO-5 is similar to HO-3 in that it covers the property as well as personal belongings. The difference is that HO-5 covers all belongings, not just a set few. It is also more costly than some of the others, but it is worth it.

Types of Medical Options

Medical is another common form of insurance, and as with homeowners, there are different kinds for you or your employer to choose.

Health Maintenance Organization, or HMO, is one of the most used types. This plan allows you to choose from a network of providers, and it also includes preventative care. However, you must be referred by your primary care physician in order to see a specialist. There is also a small copay you must pay at each appointment.

The Preferred Provider Organization, or PPO, also has a network of doctors available. Unlike an HMO, you do not have to choose a primary care provider. You can see any physician, or even a specialist, as long as he is in network. Also, you do not have to have a referral to change doctors. As with other plans, each visit requires a copay.

Exclusive Provider Organization, or EPO, works very similar to HMOs and PPOs. These cost less and have a network of providers available. However, unlike a PPO, where an out of network doctor visit is covered up to a point, there is no out of network coverage for these plans.

The Point of Service Plan, or POS, is a hybrid between an HMO and PPO. POS requires a primary care provider assignment, but you can see out-of-network doctors if you are willing to pay a higher copay.

Different Auto Coverage

Auto insurance is also widely used. Depending on your loan terms and state requirements, some options may be unavailable to you.

Liability plans cover damage and medical bills in the event the accident was deemed your fault. It only covers the damage done to the other person’s property as well as any of their medical bills. Most states require this as minimal coverage. It is also the most inexpensive option available.

Collision coverage will pay for repairs to your vehicle in the event of an accident. This type of insurance is worth having, in addition to liability coverage, even if you have an older vehicle that has no lien. In the event that your vehicle is totaled, your plan covers the value of your car. This policy is required for those with lienholders.

Comprehensive coverage covers anything unrelated to an accident like if your vehicle is stolen or you hit a deer. For most lienholders, this is a requirement.

Uninsured motorist is something that everyone should consider. While most states require at least liability coverage, some drivers don’t keep the plans much past getting their license or tags. This policy protects you in case someone else causes damage and doesn’t have a plan in place to pay for repairs.

 

The Importance of Insurance Reviews

Most people reach out to their insurance brokers or underwriters when there is a significant event in their lives that necessitates new or revised risk coverage – perhaps when they purchase a new home or it’s time to trade-in the old car. However, far fewer remember to review their insurance at regular intervals or when more subtle changes to their coverage requirements occur.

Reviewing your insurance regularly helps ensure your coverage is what you expect it to be in the unfortunate circumstance that you need to file a claim. It also aids in making informed decisions regarding coverage and being proactive about minimizing your insurance costs.

There are many different circumstances that could possibly change your coverage requirements and prompt a call to an insurance professional for a review. The examples below identify some of the instances in which you might want to review your coverage:

    • Renovations – If you perform renovations to your house, it is likely that you are also increasing its value. Whether it’s a new kitchen, bathroom, pool, or even expensive landscaping, remember to check your policy limits to ensure they remain adequate in case of an insured loss. If you’ve recently renovated your basement, also note it is quite likely that your water damage insurance needs to be reviewed.

 

    • You’ve been accumulating possessions – Have you done a home inventory lately? Most people have more personal possessions than they think. Estimating the total value of your contents is vital to helping ensure your limits are adequate.

 

    • You’ve purchased a high value item – Remember that some of your personal possessions have to be scheduled to be properly covered. Jewellery, antiques, collectibles, wine collections, and art are a few examples of pieces that may require additional coverage.

 

    • New coverages have become available – The insurance industry frequently adapts to changing market conditions and offers coverage in areas that it has not in the past. For homeowners, insurance for overland water damage and home repair issues (such as broken furnaces) have recently become available from some insurers, in some areas. In addition, legal expense insurance, travel insurance, and pet insurance are available from brokers looking to cover more of your risk and insurance needs.

 

    • Laws changing to give you more or less choice – Changes to automobile accident benefits mean you should review your choices.

 

    • You become eligible for additional discounts – Changes in your personal circumstances may affect your eligibility for policy discounts. For example, if you install an alarm system you are likely eligible for a discount on your homeowner policy. If you use snow tires on your vehicle, many insurers offer a discount on your car insurance policy. If you pass the age of 50-55, you may become eligible for mature driver discounts.

 

    • If you change jobs and have a shorter commute – You should report this to your insurance broker as driving less typically correlates to lower risk and less expensive premiums. If you have a certain job occupation, you may also be eligible for lower insurance rates.

 

    • You’ve started a home business – A different use of your home, other than strictly residential, may require business insurance to properly cover liability risks.

 

    • Your personal circumstances change – If you get married or have children, you may want to review your coverage to ensure your coverage levels are adequate to look after your dependents in case of an accident.

 

    • Your child gets a driver’s licence – Always check to see if your child can be added to your policy. It is often the least expensive option for insuring them to drive. If they get their own car, you are also probably eligible for a multi-car discount.

 

    • If your child moves away to attend college or university – Check to see if your homeowners coverage can be extended to protect your child’s assets while away at school. It may be more cost-effective that purchasing a standalone tenants insurance policy.

 

  • If you haven’t had an insurance review in more than a year – Your coverage levels may be out of date. A key example of this is your home insurance. Property values and replacement costs can easily rise to the point that your existing coverage limits do not allow for the total reconstruction of your home in the case of a total loss.

Taking the time to speak to your insurance professional is always time well spent. Even if you don’t save on your insurance costs after the call, there is no substitute for having the coverage you expect when a claim becomes necessary. Since most insurance policies are for the term of one-year, it is a good idea to speak to your insurance professional before renewing your annual coverage.

 

Best Online Child Insurance in India

If you are evaluating various investments and saving schemes to build a solid corpus to fund your growing child’s higher education and other important events of his life, search and compare child insurance plans. Giving college education to children has become very difficult without proper planning unless you are very rich. Child insurance plans promote systematic savings and good returns on your investment. The insurance quotient of these plans makes them an invincible product to cater child needs and fortifying his future. These plans fall under the category of investment cum insurance plans. Unlike other popular saving and investing schemes like Mutual funds, Public provident fund (PPF), National savings scheme (NSC) etc the child insurance plans protect the child from the financial hazards arising from untimely death of the policyholder parent.

In the event of the unfortunate demise of the policy taking parent the insurance company waives off the remaining premiums and continues the policy. The company pays the sum assured to the child at the maturity of the policy. To understand the plan better you may take assistance from a qualified life insurance expert. Child insurance plans can be either participating life insurance plans or non-participating life insurance plans. In participating plans you are eligible to share the profits of the company in proportion to the premium paid by you along with the sum assured. In non-participating plans you get the guaranteed maturity benefit and death benefit with no share in the profits.

Some people argue that why they should have child insurance plan and start paying premiums now when there are options of education loans available. They strengthen their argument by saying that at present they don’t know the potential of their child. Maybe when he grows up he won’t go for higher education or would have some other talent like entrepreneurship. To such parents the answer would be, these plans help generating a good amount of corpus and readies the child with a good amount of money that can be either invested in studies or in some business or in any other important event like marriage.

Education loans are a good option and are very popular but they put a big burden of repayment on your child’s shoulders right from the starting of their careers. Such burden compels them to take a good employment in order to be able to pay off the loans. In the pressure of such burden they can’t even think of taking up entrepreneurship as they can’t afford the gestation period. Moreover, in some cases their other life goals like getting married or buying a house get delayed.

If you are planning for the future of your child you go for a judicial mix of insurance, self finance and loan so that the child also becomes responsible. Compare online child insurance plans to learn a range of features companies are providing and save on the purchase. An educated customer is likely to make a smarter purchase thus, gather as much information as you can in your busy schedule and then plan wis

Quick Guide to An Insurance Claim

Before anything else, we first have to understand what an insurance claim is. This way we can better appreciate the whole procedure and it simply becomes easy to go through because we already know what to do step by step, in relation to the whole process.

A claim is when you ask the insurance company to compensate you for damages you have sustained after a car accident, or when you ask the insurance company to represent you or intervene on your behalf when you are liable for damages.

You pay a lot of money for your car insurance, so it makes sense that if you are involved in an accident, you will want to make a claim. Depending on whether the accident is responsible, or not responsible, and the type of damage, your insurance company will be able to provide coverage based on the kind of car insurance coverage you have.

Claims can be paid from the comprehensive coverage, collision coverage, or any of the minimum car insurance requirement sections, such as liability. Claims may also be paid from multiple sections of your policy depending on the circumstances of your car crash.

If you are wondering whether your collision claims process will be more difficult to bear than the accident itself, the good news is that filing a claim is usually fairly simple. By following a systematic approach and carefully recording what has happened, you can gather all of the information you need. The following guidelines will help you ensure the process goes smoothly.

ON THE ACCIDENT SCENE

One of the best ways to speed up the entire claims process is to get off to the right start, and that begins at the accident scene itself. The more good information and evidence you can collect there, the better.

Here’s what to get:

  • Personal Data: Try to get basic personal information from everyone at the scene. That includes all other drivers, passengers, and bystanders. Get their names, phone numbers, and home and email addresses. Anything that will make it easier to find them later. If you have time, take some notes about what each witness saw and heard. Pass all of this information along to your claims adjuster, but be sure to keep copies for yourself.
  • Insurance Information: This is particularly important. Make sure to exchange insurance information with the drivers of all vehicles involved in the accident. It’s probably going to be the first thing your adjuster asks you for.
  • Pictures: Take a bunch of photos of the accident scene. If you can get pictures before the vehicles are moved out of the way, great, but don’t create a dangerous situation just to take them. Definitely take photos of all damages to your car, every other vehicle involved, and anything else. Take a few pictures of the accident location as well. A few different angles are always helpful. Take pictures of the parties involved and all witnesses, if you can. And, finally, take photos of each party’s insurance card.
  • Law Enforcement: Always call the police after an accident. They may or may not be able to respond, but it’s always worth a try. When they arrive, make sure to get the officers’ names. They will gather their own information and take interviews for their report, and instruct you on how to obtain a copy the report once it is written up. Hold onto whatever paperwork they give you and pass on copies to your adjuster.

Contact Your Insurer ASAP

I’m sure you’ve heard the saying, “most crimes are solved in the first 48 hours after the incident.” That’s because the crime scene remains intact and the details are still fresh in the minds of the witnesses. It’s kind of like that with an auto accident. We’re not talking about a crime here (I hope), but the idea still works. The sooner you contact your insurer, the easier it will be for them to make the inquiries they need to get the most accurate data. It’s not a bad idea to call them from the scene of the accident, if possible.

Be Cooperative and Prompt

Most small accidents are relatively simple for your adjuster to handle. He or she has done them hundreds of times over. That doesn’t mean that a claim can’t be held up by some missing piece of evidence or information.

If your adjuster calls you and leaves a message to call him or her back, do it as soon as you can. Good communication between insurer and claimant is vital. Plus, it’s hard to complain about slow processing if you’re the one holding it up.

Be Honest

This rule seems obvious, but not everyone follows it. It’s human to want to avoid pain, and admitting that you are at fault for your accident can be pretty painful. But if you are at fault, don’t try to get out of it by lying. First of all, insurance adjusters have a lot of experience with accidents and fibbers.

They’re really good about figuring out what actually happened and that can be pretty bad for you if you are less than forthcoming with the facts. Remember “Double Indemnity”? Insurance fraud is frowned upon and could cost you a lot more money than the premium increase you’ll likely get by admitting fault.

And if you’re looking for a speedy conclusion to the claims process, being dishonest will surely slow it down, and sometimes bring it to a crashing halt.

 

What Is Insurance?

As we know one way of risk prevention is to insure a risk to the insurance company. This method is considered the most important method in tackling risk. Therefore many people think that risk management is the same as insurance. Though the actual circumstances are not so.

Insurance means the insurance transaction, which involves two parties, the insured and the insurer. Where the insurer guarantees the insured person, that he will be reimbursed for a loss which he may suffer, as a result of an event that would not necessarily occur or which could not be determined when or when it occurred. As the insured in the obligation to pay some money to the insurer, the amount of proportion of the sum insured, commonly called “premium”.

Viewed from several angles, the insurance has a variety of goals and techniques of splitting, among others:

A. From an economic perspective, then:
The goal:
Reducing the uncertainty of the results of operations undertaken by a person or company in order to meet the needs or achieve goals.

Technique:
By transferring the risk to the other party and the other party combining a considerable amount of risk, so it can be estimated with more precise the magnitude of the possibility of loss.

B. In terms of Law, then:
The goal:
Transferring the risks faced by an object or a business activity to another party.

Technique:
Through premium payments by the insured to the insurer in the indemnity contract (insurance policy), then the risk of transferring to the insurer.

C. In terms of Trade, then:
The goal:
Share the risks faced to all participants of the insurance program.

Technique:
Transferred risk from individuals / companies to financial institutions engaged in risk management (insurance companies), which will share the risk to all participants of the insurance it handles.

D. From a societal standpoint, then:
The goal:
Bear losses jointly among all participants of the insurance program.

Technique:
All group members (group members) of the insurance program contribute (in the form of premiums) to sympathize losses suffered by a / some of its members.

E. In terms of Mathematics, then:
The goal:
Predict the magnitude of the possibility of risk and the outcome of the forecast is used to divide the risk to all participants (group of participants) insurance program.

 

Baking Soda to the Rescue With These 6 Problems

Baking soda is not just an ingredient you use in your cooking efforts to make the best chocolate chip cookies. Believe it or not, this item has a ton of uses in home cleaning, which you will do well to consider the next time you are engaged in any such activity. It is an excellent abrasive, which is quite effective and also gentle enough. It possesses superb deodorising properties and can easily be your go-to solution for some cleaning emergencies. Here are some of the uses you should know about:

  • Remove bad odours from a fridge – if you are worried that last night’s yummy but smelly fish dish will leave a lasting scent in your fridge, you should know that baking soda is the solution to this problem. It can absorb any negative smells in the refrigerator so that they don’t linger inside and transfer to other foods in the area.
  • Clean stains from plastic food containers – food leftovers usually leave a mark on food containers. To clean them, you must wipe with a sponge and the soda. Alternatively, you can remove stains by soaking them in a solution of 4 tbsp. baking soda with a quart of warm water. That is a quick and scrub-free method of cleaning plastic containers.
  • Scrub kitchen surfaces – keeping kitchen surfaces clean is a must since that is where you prepare your food. You will be happy to learn that pretty much every area in there can be cleaned with the aid of baking soda. When you combine it with water, you can pretty much deal with the gunk on stainless steel sinks, cooking utensils, range hood, microwave and other small appliances as well as countertops. Baking soda sure is quite universal.
  • Deal with greasy pans and dishes – when your cooking efforts result in a mess; you can quickly deal with the aftermath. Baked-on food can be addressed with a pinch of it and dish soap. Pretty much all you need to dissolve the greasy stains is a hot water soak of dirty items, a scrub sponge and some baking soda. Well, some elbow grease as well.
  • Remove musty smell from upholstery – if your soft furnishings have developed an unpleasant musty smell, it is time to banish it with it. Sprinkle a generous amount of soda on the surfaces and let it sit for 15 minutes. Then, vacuum up the area. It works like a charm on your mattress too! You can also use it to remove strong odours from pet beds, as a safe alternative to any other cleaning solution out there.
  • Freshen smelly shoes – your gym class shoes may not be the most pleasant thing in the world, but you can still freshen them by sprinkling some soda inside. Tap out any amount of soda before wearing them again, or use the vacuum cleaner.

As you can see, baking soda is quite versatile in cleaning multiple areas of your home. It is up to you to include this fantastic solution in your cleaning rounds – it is cheap and eco-friendly!

A Healthy Lifestyle Is Not a New Year Resolution, It’s a Discipline

A healthy lifestyle from the start will decide how you will be in your midlife and beyond. However it won’t happen unless you make the right choices. Work out, eat healthy, sleep well and you will set yourself on the path to success. After about 40, most people have achieved biological adulthood, which is a nicer way to saying you have boarded the slow train to your inevitable mortality. You will start to realize the slow and gradual decline in your response to bodily activities and the resulting resistance in your bodily functions.

Eating unhealthy processed food, irregular sleep pattern and inactivity create low level inflammatory response in your body. This inflammation gradually increases overtime, contributing directly to the germination of every major disease plaguing mankind – obesity, diabetes, heart disease, fatty liver disease, just to name a few.

The first and foremost thing to focus on is Nutrition – what you eat. Add lots of green leafy vegetables, whole grains, organic poultry, dairy and fruits in your daily diet. Keep your body hydrated. Drink plenty of water and raw fruit juice as fluids help keeping body temperature low and removes toxins through perspiration (sweat) and excretion (urine). Keep a balanced share of carbohydrate, protein, good fats and minerals. These small changes in your diet will contribute to your overall wellbeing. Cut back unhealthy fats from your diet slowly and target on stopping to consume them completely. Unhealthy fats include: dark chicken meat, poultry skin, fatty pork cuts, beef and lamb and high-fat dairies include whole milk, butter and cheese. Common ways to cut back on unhealthy fats are listed below:

  • Instead of frying meat, Bake / Grill / Broil it. Don’t forget to take the skin off before cooking chicken or turkey
  • Instead of butter and cheese on bread, use low fat spreads or slices of tomatoes on it to enhance the flavour
  • Instead of scrambled eggs, eat boiled / soft-boiled eggs. Garnish with a pinch of salt and black pepper to taste best
  • Instead of using sugar in patisseries and desserts, use organic honey to satisfy your sweet bud and stay healthy

When it comes to a healthy lifestyle, the importance of sleep is worth discussing. Get yourself adequate sleep, because internal healing and tissue repair happen only when you sleep. Sleep deficiency contributes to an increased risk of cardio-vascular disease, kidney disease, brain damage etc. Sleep deprivation lowers the metabolic rate of your body, which is linked to weight gain. Studies show that sleep deprived individuals have higher levels of Ghrelin, the hormone which stimulates appetite and lower levels of Leptin, the hormone which suppresses appetite. Hence, good sleepers tend to intake fewer calories.

The last, but definitely not the least is the importance of regular exercise when it comes to a healthy and active lifestyle. No matter which age group you belong to, it is advisable and wise to include a minimum 30 minutes of workout / physical activity of moderate intensity such as running, brisk walking on most, if not all days of the week. As humans, we spend far too much time in our synthetic environment, disconnected from the outside world. This disconnect poses a serious threat to our health and general wellness. Think of your body as a complex machine, which houses equally complex parts (bones) and sub systems (organs) inside. If you let it sit idle, the parts and the sub systems will lose movement capability and eventually get rusted. A few tips to incorporate exercise in your daily routine:

  • Prioritize physical activity
  • Make it fun
  • Get a partner
  • Keep a track of results
  • Set milestones

All these factors put together, will bring noticeable change in your lifestyle and wellbeing. Some changes will happen quickly, some will be gradual. But overall, you will feel the positive change in your health – mind, body and soul.

20 Foods That Are Good for Healthy Bones

Our body is composed structurally of bones as the primary support. Bone health is considered essential for everyone since weak bones make our life miserable. Essential nutrients for healthy bones can be obtained through various natural foods. The following food types promote healthy bones.

1. Milk

Milk has a high calcium content value. Calcium is very necessary for healthy bones since it forms the structural part of the bones. The bones are composed of interlocking calcium crystals performing the role of mechanical support. A glass of fat milk daily can give approximately 300mg of calcium. Females should drink at least two glasses of milk every day for healthy bones. Drinking milk in adulthood often saves one from several bone-related diseases such as osteoporosis.

2. Yogurt

Yogurt has numerous medical advantages. No other food product is better than dairy products in ensuring healthy bones. If you are not comfortable with the taste of milk, then you should try eating yogurt as it contains the same amount of calcium as milk. Therefore, eating yogurt is a good alternative and an ideal approach to meeting the bodies daily need for calcium. 8 ounces of plain yogurt contains roughly up to 450 milligrams of calcium. Additionally, yogurt contains numerous different supplements, for example, vitamin D, B, potassium, magnesium, and proteins. Vitamin D is a key segment and the most beneficial of these supplements for making the bones stronger.

3. Cheese

Cheese is the most well-known in dairy products. It appears worldwide in various food items as well as in bakeries. Cheese has its own unique heavenly taste. Those individuals who don’t consume milk or yogurt can increase the numerous medical advantages they receive by eating cheese. Cheese is loaded with numerous supplements, for example, magnesium, calcium, phosphorus, vitamin B and D. One ounce of Swiss cheese gives 200mg of calcium. Adding a little cheese to your food assists in strengthening your bones.

4. Sardines

Sardines are rich in calcium, and vitamin D. Calcium gives basic help to bones while vitamin D increases the power of your body to ingest calcium. 3 ounces of sardines results in the calcium equivalent of a glass of milk. Sardines are rich in vitamin B 12, which ensures low levels of homocysteine in the body. Raised levels of homocysteine, generally, can quicken osteoporosis as well as bone degeneration.

5. Sesame Seeds

Eating sesame seeds is a brilliant decision for stronger bones. They contain calcium, phosphorus, vitamin B1, dietary filaments, copper, selenium, and zinc. Calcium and phosphorus help in strengthening the bones. Copper is an antioxidant and plays a protective role by the alignment of collagen fibers within the bones. Zinc helps in keeping osteoporosis at bay.

6. Salmon

Anyone wanting to have stronger bones is advised to take food rich in vitamin D as well as Omega 3 fatty acids. These are abundant in salmon. Calcium deposition and absorption into the bones is done by vitamin D while the omega three fatty acids perform protection of the bones against inflammation and damage.

7. Collard greens

Collard greens also contain calcium, vitamin K, vitamin D and A. All these components help in strengthening bones.

8. Spinach

Spinach is undoubtedly a fantastic source of vitamin K, potassium, calcium, iron, magnesium and vitamin A as well as folate. A cup of spinach is estimated to provide 25% of the total amount of calcium required by the body. All the above nutrients are beneficial for bone strength.

9. Fortified Cereals

A good source of vitamin D and calcium. Calcium for strong bones and joints. Vitamin D plays a significant role in bone health.

10. Tofu

Many people describe tofu as tasty. However, they are not fully aware of the nutritious content. Tofu has a high calcium content, making it a perfect alternative food for bone health. Tofu is recommended for consumption due to the high content of calcium in it. This is estimated to be 77%, hence, it is highly recommended for the body.

11. Soybeans

According to research, soybeans promote the health of an individual through fighting osteoporosis which is a disease related to bone thinning. They contain the natural flavones which are antioxidants necessary for bone protection. However, they provide minimal amounts of calcium so they are mostly valuable as an antioxidant to fight osteoporosis.

12. Beans

Beans serve many purposes in the body, including maintaining healthy bones. They are a rich source of protein, as well as calcium, as well as other trace elements. However, they are most preferred because they have a low-calorie value so they can be consumed in high amounts without causing weight gain.

13. Orange Juice

According to studies, bones are composed of collagen proteins at the central core, and this cross-link gives structural support to the bones. This is also aided by the interlocking crystals of phosphates as well as calcium. All these nutrients are found in vitamin C, and orange juice is one of the best sources for them.

14. Nuts

Nuts, such as walnuts and almonds, contain omega three fatty acids, which are polyunsaturated and powerful antioxidants, which provide protection to bones from many diseases. The antioxidants decrease bone reabsorption through osteoclast inhibition, which is a cell that is responsible for bone matrix breakdown. They also help calcium absorption and prevention of inflammation.

15. Leafy Vegetables

Vegetables are known to possess other nutrients needed by the body, especially the green ones. Dark leafy vegetables are a good source of vitamin K, magnesium, folic acid, calcium and potassium hence, they can act as a substitute for dairy products because they provide the same nutrients.

16. Eggs

Eggs are also a necessity for the maintenance and growth of bones. Their contribution is due to the possession of vitamin B complex as well as vitamin D.

17. Tuna

Apart from the sun, one may opt to use other sources of food that are sources for vitamin D. A good example is tuna fish, which has a good amount of vitamin D, necessary for making the bones to be strong.

18. Kiwi

Kiwifruit is a magical food because it is a natural source of vitamin C, which promotes the synthesis of collagen fibers in bones. Similar to oranges, they are also delicious. Sweet prunes also aid the bones in being fracture-free. They are regarded as a super healthy food with research proving that they can efficiently lower the chances of being affected with the osteoporosis infection, as well as fractures, which is good news for women who are in the post-menopausal stage, who usually have a high possibility of suffering from joint and bone problems. The nutrients contained in the prunes include vitamin C, K as well as antioxidants that are essential for maintaining the health of the bones.

19. Meat Proteins

Calcium, collagen proteins, and vitamins are the components of our bones. Hence, proteins are a necessity required for not only proper growth, but also the flexibility of the bones. It is, therefore, a requirement that one’s diet consists of high protein food as well as meat. However, caution should be taken since too much consumption of meat is harmful to overall health.

20. Apples

Apples contain Quercetin, which helps in building collagen, a major component of the cartilage. Apples keep the skin, cartilage and bones healthy and strong.

 

Ways to Become Healthy in 14 Days

Want to become a very healthy person? Follow these steps and you’ll be on your way to becoming a very healthy person.

Healthy Diet

The most important factor in transforming the body is your diet. You will become what you want to be only when you eat what you ought to eat. Maintaining a poor fast food diet would make you gain fat and lose muscle mass. Follow a strict diet with a lot of fruits, skimmed milk, nuts, a lot of veggies, legumes, lentils, and limit your carbs.Avoid drinking alcohol and don’t smoke cigarettes. Drink lots of water throughout the day and control your urge for food with avocado juice and other fruits.

But first, you need Eggs. Yes! Eggs need additional care and importance on the topic. You have got to eat more eggs and workout a lot to reduce your fat level and increase your protein consumption. Eggs consist of all the nine amino acids for muscle growth (which burns fat more).Cut off your smoothie’s consumption and eat more eggs. White eggs are good for your body. Take that yolk out and use it as a hair product. Eggs give you a testosterone boost which helps you maintain an active lifestyle. As the old saying goes: you just need one hen and cow when asked to choose from a list of animals.

HIIT and Tabata

If you want to see visible results in a few days or few weeks’ time you should work very hard. Sweat is fat crying! And so, get to the gym! After active stretches, hit the treadmill and do a lot of fat burning, circuit training workouts after that. High Interval Intensity Training (HIIT) is the best way to improve metabolism. Burpees, jumping jacks, and high knees will be your best friends. Tabata is the ultimate level of HIIT workouts. Within 4 minutes, your whole body will get tired, and you’ll be gasping for breath.

Strength Training

If your aim is to lose weight as well as an increase in strength, then follow this pro-health tip: Start doing squats, deadlifts, overhead press, bench press, and rows. Your body will thank you for the hardcore workout sessions. Within 45 minutes, you’ll leave the gym but, the benefits these exercises bring to your body is phenomenal. The legendary 5*5 program will create a massive growth of healthy growth hormones. Invest in a pair of good weight training shoes and start killing fat in the rudest of ways ever known to humanity. The Milo of Croton is the best example of strength training.

Active Lifestyle

Sedentary office jobs and online markets have placed a high amount of risk to our body. We should get up and start thinking about the world, walking down the corridors of workplaces. Quit workstations for every one hour and drink more water. Never carry a bottle of water to your workplace. Always get up and take a few steps before quenching your thirst. Never sacrifice your time to do office work. Your body is walking to the grave, and you should delay the journey by all means.

After waking up, drink water and start doing yoga. Get to work. Get up from the seat every one hour. Eat a power packed lunch filled with veggies and scrambled egg whites. Get to your home. Wear your shoes and go to the gym. After a beautiful steaming session, eat your dinner and hit your boozy bed.

Sleep

You can’t get your desired physique by just eating good food and keeping your cortisol levels low. You should get proper sleep for the body to recover properly. Drink milk before bed to stop the intensity of catabolism. A lactose-allergic person can grab a pre-dinner snack and then go to sleep. Most of the people reading this piece will fall into the category of an endomorph (People who have low metabolism and accumulate fat easily). Adequate sleep is necessary to build quality muscles and low-fat levels. Sleep like a child for 7-8 hours and continue your fat burning sessions in the morning.

Life – The most beautiful of all

Remember to appreciate life and don’t be fooled by lame stories of people trying to shut you down. If you want something, you should go and get it. Set the alarm and wake up early in the morning to finish off cardio workouts, HIITs, and killer Tabata. Leave home early to go to the gym. Become confident after seeing your body in the mirror after a week. This arduous journey (if you think that way) shall take you to your fitness goals within six months.

In a year, your friends, relatives, and colleagues will start asking you about your fitness routine. Stay positive and take at least 8,000-10,000 (WHO’s report) steps per day to become healthy and virile. Motivation is the key to succeeding! Stay healthy by reading and working out with these healthy tips

 

Never Kiss A Parrot

Beware pets that can become health pests!

Because if you give him an unwanted peck, he might give you Psittacosis. Whazzat? That’s another way of spelling ‘fatal attraction’… And while you’re about it, you might as well also watch out for (Ouch!) pussy’s claws, (Scratch, scratch!) leaping fleas, and (Eeeagh!) hairy-scary caterpillars…

If you are suddenly besieged by high fever, chills and a splitting headache, you’ll probably think you have malaria. Or even pneumonia. So might your doctor. Then he might embark upon a whole lot of anti-malarial drugs – even those for resistant malaria. You won’t get better, so he’ll switch over to strong antibiotics. Again, no go. Then you’ll both beat your foreheads in frustration. But, finally, if your physician is perceptive enough, he’ll ask you if you’ve got a bird. You’ll answer in the affirmative. Suddenly, his face will light up with a ‘Eureka’ expression. He’ll have just realised you’re suffering from Psittacosis.

Come again, you say, Psittacosis. It’s a disease that is passed on to man by birds. When parrots and parakeets are the culprits, sorry, carries, Ornithosis, is the word used. Other birds that carry this disease are pigeons and poultry (although it’s quite rare to get the disease from hens). Apart from the symptoms already mentioned, you could get a harsh, dry, intermittent cough and occasionally bring up a little sputum and even blood. There is generalised bodyache and the back and neck muscles could become stiff and painful, so the condition could even be mistaken by doctors for meningitis. Some patients feel tired, listless and depressed and complain of insomnia as well. With such a wide range of possible symptoms it’s easy to see how doctors can be misled. Especially when you consider that there could be even further complications of this illness – including pleurisy with effusion or water in the lungs, inflammation of the heart muscles or myocarditis membrane or pericarditis. The malady could even prove fatal. Actually kissing parrots, not washing your hands after handling birds (and their feeding dishes) before you sit down to lunch, and staying in extremely close proximity to them could make you a victim of psittacosis a week or two after contact, that’s how long the incubation period is. Occasionally, however, you could just get a mild ‘flu-like indisposition which might pass off by itself.

But why take chances? The disease can be diagnosed by getting an x-ray done; this shows a pneumonia-like picture. There is also protein in the urine. But the confirmatory test is a blood culture which reveals the causative bacteria. Otherwise, the overall picture of the disease can be confusing, since Psittacosis could be mistaken for Tuberculosis and Infectious mononucleosis as well as the other conditions listed above. Tetracycline is the best drug for this disease.

BEWARE OF PUSSY’S CLAWS!

Chances are you’ve heard of an ailment called cat Scratch disease, but is there really such a thing? Yes, there is, rare though it may be. All you need is a cat, sharp claws, some provocation and – OUCH! She’s raked her nails into you! What happens next? A tiny, pimple-like swelling may appear at the site of the scratch, approximately three to ten days later. Two weeks after this, the lymph glands in the neck (or armpits or groin) become swollen and painful. Very often, this is all that happens. But in some patients there may also be high fever, headache, nausea and exhaustion. Only five per cent develop a body rash that resembles measles.

A skin test confirms the diagnosis. A biopsy of the swollen gland may also be done as additional confirmation.

This ailment cannot be transmitted from one person to another, so there’s no need to isolate the sufferer. Usually, no treatment is needed, apart from giving medicines for the fever. The outcome is excellent. The swollen glands disappear spontaneously in two to six months. The subsequent immunity to this disease lasts a lifetime. On the whole, this is a very rare disease, so you needn’t throw out your poor feline.

WATCH OUT FOR THOSE LEAPING FLEAS

One can get a skin irritation from the fleas of dogs, cats and rats. Several people show no response to a flea bite, but in those who are sensitive, the flea’s saliva causes a tiny, raised, reddish swelling. There is intense itching, so they scratch the affected area again and again, introducing infection into the skin, which ulcerates or develops pustules. This condition is known as Flea Dermatitis. One can control the fleas by keeping the house and all pets scrupulously clean (oneself too!), regularly delousing one’s pets and their beds with powders or by using flea collars. The dermatitis is treated with soothing creams and anti-allergy pills.

STAY AWAY FROM MR. CATERPILLAR!

Caterpillars do seem to appear in the most unexpected places – like the chair in which you’re just about to sit, or on your sweater hanging out on the clothesline! Before you can say ‘hairy horror’, one has brushed against you. And left its stinging bristles deeply embedded in your skin. You feel a terrific burning pain in the area. Redness and urticaria (hives) develop. And the more you scratch, the deeper you push the hairs in. some enterprising victims employ dough, which is rolled in a to-and-fro motion over the area. Let me tell you an even better method, a sure-fire one – using sticking plaster. Just fix a strip of it to the skin where the hairs are embedded, press, lift off one end and pull sharply – presto, all the bristles come out and the itching soon subsides.

If left alone, the inflammation usually subsides in 24 hours, but in some people a severe allergy develops which may have to be treated with I.V. Calcium Gluconate. In less serious cases, anti-allergy pills and soothing creams help after the hairs have been pulled out.

There are millions hits on the internet search drive for Wellness – from mental to physical health, cardiac fitness, cancer, yoga, how to overcome certain ailments such as diabetes, hypertension, obesity, stoke, and tips on weight loss and how to grow taller, with many other ideas getting honorable mention. It takes quite a bit of research to find any one site that has so much to offer on all these fronts, let alone one that can combine all the needs for your innermost wellness – joy, bliss and beyond. For wellness’ sake you can stop looking out there, and take some time for yourself, a sort of one-stop-shop: BalancedLifestyleWikipedia.

Also, stay informed about genuine reviews of the trendy products like Lean Belly Breakthrough, bioptimizers masszymes and many more to nourish and transform your everyday self.