What Does Life Insurance Mean to Me?
It is a big topic. There is a lot debate and opinion about what exactly is it, what does it do, and who needs it.Some basics:
· Insurance in general; is “transference of risk” (financial risk) to make you “whole again” (indemnify). A small payment to protect against a large loss.
· Premiums. The money you pay for your insurance product.
· Death Benefit. What the sum of the payout is (example: “$200,000 policy”)
· Term Insurance. Pure insurance lasting for ‘x’ amount of years.
· Whole/Universal etc. Life. Insurance with a “savings plan” to age 100.
· Owning an insurance policy creates an “estate”.Bottom line, but seriously folks!Obviously you ‘ain’t gonna’ get your own death benefit! To be selfish – would you hope to collect someone elses? Okay, so you grow up and smell the coffee. Your family (unless already financially independent) will need to pay for your funeral – at least, and you may be of a generous heart, and wish them all well, grant them your love eternal, and give them a nice chunk of money to make sure they will be okay after you’re gone. How much will do that? $10,000? $100,000? A million? You would be surprised that with-out a plan, even a million dollars can go POOF! in just a few months after the death of the breadwinner. What is stopping them from going to Vegas? Now try a policy with a plan – something like $4,000 a month until you would’ve been 65, – now would that be better? Yes, they have this now!There are new, innovative products that will actually provide monthly income. One must realistically consider what the monthly needs for the family will be. Is your current insurance “old school”? Rates going up? Value low? Is it time to check in on it? Probably.Meanwhile -One of the harshest debates is the one between the two basic camps of life insurance. One is ‘permanent insurance’ and the other is ‘term insurance’ or “pure insurance”. The reason the debate is so strong is that these are very big life decisions, and even though both are “insurance”, the differences are what is causing the debate.The size of the decision of how to select and what to sign-up for is overwhelming to most folks. Insurance agents and brokers are decidedly in at least two camps on the issue. Some sellers of life insurance will simply sell you whatever you pick and be rather nebulous about the client’s choice, preferring to avoid the complications of the issue.Okay – so I am of the opinion that insurance should be just that – insurance. On the other hand, the idea with permanent insurance is that there is an investment or savings vehicle attached to the product. Permanent insurance has a few names, “Whole Life”, “Universal Life”, “Lifetime”, etc. This controversial product is the heat source for most of the arguing going on.A policy that you keep paying for until death, or until is fully paid, or until the client reaches age 100 – at which time, it is designed to be fully paid, and has a “side pocket” where supposedly your “savings” is handled by the carrier to grow some kind of monetary reserve to either pay down the premiums if you have a tough patch in life and can’t make the payments, or if you wish to take a loan – of your own money, and are encouraged to repay to bring your account back to “square”.Now hold on a second… Term insurance is just that – pure insurance – and it’s a lot cheaper. If one were to go buy “insurance” and you were told that term is not so good because it ends – at the end of the term -yes, it does end at the end of the term. If you wanted a 20-year term policy, with guaranteed level premiums (the payments never go up), then at the end of 20 years its over. You made a deal with an insurance carrier that if you die in that period of time, they would simply pay your beneficiary the principle of that policy you initiated when sign the contract. Simple. Straightforward.Consider this.Which policy gets the agent a fatter commission? A cheap, straightforward term insurance policy? Or an expensive “Whole Life” policy? Something to think about. …hmmm. Term a smaller one time commission or permanent – a commission plus years of residual commissions.What I call the “Responsibility Clause”.In the “Whole Life” style plan, you feel like you may have secured your retirement with the higher priced Lifetime policy. But there may be hidden dangers in that. Will you really know how your money be handled in that arrangement? Will be enough to carry you through the senior years if you are healthy and live to be 90?If you some saved money on buying term insurance, and took responsibility to invest that “savings” in some sort of plan that would really develop into a “retirement plan”, you could really do quite well. That of course is just my opinion, but, I would definitely seek advise from a licensed advisor and perhaps, no, make that “for sure” – get a second or third opinion to make sure your strategies are realistic.Today, (here we are at the end of the first decade of the 21st Century,) most life insurance companies are getting the message. They are putting their research departments on making products that fit our current times. Not only that, people are living longer, the actuarial tables show that. This is causing prices to ease and the gamble that insurance carriers will have to pay on the policy is less risky and since they want your business, the premiums are starting to reflect that.Now, if you have properly cared for your nest egg…In my opinion, you shouldn’t really much need life insurance when you retire. Your kids are grown and have their own families and insurance plans. You mortgage is paid off. You should have a portfolio of healthy and smart investments and other types of protections to deal with the retirement years. Of course you must consult qualified and licensed experts and weigh the consequences and take your best shot. Doing nothing at all is the worst plan, obviously, you wipe out your family, financially. Stressful stuff!Protect your estate with a Revocable Living Trust (RLT)…and steer clear of probate. Give a gentle gift to your family – of not having to fight amongst themselves on the event of your passing. It will include your final instructions to your family. In a Living Trust you can do all this before you become unable to give the instructions due to the difficulties of old age. It’s my opinion that for less than two thousand bucks you may save your entire estate from probate sounds pretty smart. You can assign trustees to protect your estate if you are in a long-term-care situation. A Revocable Living Trust has many advantages over a simple “will”, but I’ll save that for another article.Annuities. The opposite of Life Insurance.Also, the discussion of what exactly is an “annuity”? Sure, all the “insurance industry people” know exactly what it is. Most everyone else seems rather unsure. Chatting with the nice young fella at my bank, I asked if he could tell me what he thinks an “annuity” really is… thinking about it for a minute, he said, “No, I really don’t know what it is.” He didn’t know. He didn’t know what the basic function of an annuity is. Why? Because no one had ever explained it to him. I wish I could go back to age 22 with a great job and begin my annuity! Ah… 20-20 hindsight.In a nutshell, on annuities. It just keeps paying – for life!Okay. An annuity is a type of financial contract you set up with an insurance company, to make payments into it for a certain amount of time (years) and someday you tell the company to “annuitize me!” where they will then begin giving you monthly payments of your money, which may have been grown at a pre-decided rate PLUS – keep making the payments to you for as long as you live – even if that time far exceeds the payments of funds you originally placed into your annuity. There may be some tax implications but the idea is that after you become a “senior”, your tax bracket ought to be quite a bit lower. You will get the statements from your company, so don’t sweat it. Again you will need to consult enact this with your friendly and caring (and licensed) insurance broker. There are a variety of annuity choices. Learn what would be best for you.Please note.This article is for general information only. There is a lot of information freely available on the net, and from brokers and agents, and worthy of study. It is strongly encouraged that the individual takes care of one’s own concerns for their estate, and puts forth effort into learning and understanding these concepts and products. Some products you may find, are better suited for your particular situation than others. This article simply is an introduction to these concepts and products, along with a few of my opinions.For sure, however, time is ticking, don’t wait to get your plans started!
Tips In Improving Your Home Interior
In our world today, there are so many houses built with great interior designs and decorations. Every place in the world has its own type of style and fashion. Thus every person has its own dream house too. For that reason, people keep on improving their home interior design in order to be updated to the latest fashion trends in town. Home interior might be expensive depending on your taste and budget. Make sure that you will think about some important considerations if you are planning to improve your home interior are well as your decorations.There are different personalities in every place in the world. This individual personality leads to different preferences when it comes to style and designs since home interior and decorating reflects ones personality and characteristics. As a homeowner, you will feel more safe and comfortable if the place is designed according to your will. Being comfortable at home is the biggest thing that a home can offer. Resting comfortably and peacefully will never take place in a home if not being treated well with love and care. Always check the availability of space when doing some improvements. Recently, home accents and wall decor are being used more often. There are various kinds of accents such as the traditional, contemporary, etc. There are so many home accents available in the market that will surely complement to your wall color. You can find different price in every item if you will do store hopping.In planning for improvement of your home interior design, always identify the structure of your house o that it will be easier for you to see the area that is possible for change an improvement. Select designs and styles that are suitable to the theme of your house. Make sure that everything will complement with each other inside the house. Do not ruin your previously made interior design. The proper way of improving an interior will always bring enhancement and beauty to your home. You can opt for unique ideas that have been formulated in your mind or you can refer to online websites with different interior improvements ideas. This can help you widen your options and choosing for what is best for your beloved home.Think thoroughly before you will spend your money. Home interior improvement is not a simple task to do especially if it involves some contractors, builders and architects. Remember your budget all the time. Do not ever exceed to the allotted budget you set. If you are doubtful of your action, feel free to ask your family and friends who already undergone home interior improvements. Seeking for the help of your contractor is a best option too. Never take the risk of doing or changing anything in our interior of you is not confident enough in this field. It will be a big waste of effort and money if the outcome of your interior improvement was not achieved. Changing your interior and decorations from time to time brings fresh atmosphere to your home.
Designing Tips From a Home Interiors Catalog
Are you moving to a new house or are thinking of redecorating your home? You don’t have to hire a professional interior decorator just so you can have the kind of interiors that you want.Even if you haven’t tried your hand at interior decorating before, you can easily undertake this home improvement project yourself. As a matter of fact, you can turn it into a family project where everyone pitches in their two cents’ worth so you can come-up with the kind of interior décor that the whole family will love.You can get excellent designing tips and ideas from a home interiors catalog, which you can request for free from your favorite home depot shop or online shops specializing in home interiors.Interior Essentials for Every HomeWith a home interiors catalog, you can view a good number of home interiors essentials that you may want to incorporate into the design theme of your home, including separate themes for each room of the house.By viewing several home décor items one after the next, you may suddenly find yourself getting an inspiration as to how you would like your home to look once you’re done with your interior decorating project.Sometimes, these catalogs have photos of rooms or parts of the house designed with the items that they are offering; which can give you a good picture of how to work each item in order to come-up with an excellent interior décor.Whether you are looking at having a Moroccan-inspired living room, a country-style home, modern minimalist, bachelor’s pad or a single woman’s apartment; you will be glad to know that you can get a few helpful tips right from a home interiors catalog.Interior Décor and Your PersonalityOne of the best ways to come-up with an interior design that you will be happy with is by incorporating your personality into the theme of your home or room. If you are planning your interiors with the whole family, you may have individual preferences but you may still incorporate the personality of each one into the design of your home.The good thing about choosing your décors from a catalog is that you can put all the photos of the stuff that you want for every particular room in the house and see whether they work together or they clash.This saves you the trouble of purchasing items that would diminish the effect you are aiming for.Another good thing about these catalogs is that you can immediately see if there are items that are being offered on sale since catalogs usually have a special section for bargain items.Items you can view from these catalogs include different pieces of furniture for each room in the house; home accessories such as ceramic figurines, plant holders, book stops, and wall decors; lighting fixtures, and even bathroom fixtures.With the convenience of an interiors catalog, you can now start on your home improvement project and you won’t even need to hire a professional interior decorator to do it for you.
Home Interiors – Clients Guide No1 – Interior Designer / Interior Decorator – What’s the Difference?
“Do you do Curtains & Cushions?” As a professional Interior Designer that’s the phone call we dread to receive!It happens more than you may think; I then have to go on to explain (without sounding patronising) what this person really needs is an Interior Decorator, this will then no doubt follow-on with me having to further explain what the differences are between the two disciplines and try to steer them in an appropriate direction.I don’t blame these people for getting the two mixed up; the general public have been feed hours and hour of TV “instant” make-over programmes and continuous glossy magazine features all under the misleading label of Interior Design. Also this has prompted those in the Interior Decoration and Soft Furnishing business to elevate their tile to Interior Designers; again I don’t blame them for doing this, it makes good business sense to up sell yourself. But the lines have become blurred as to what these two very different services offer – there is a market for the two approaches, but where confusion resides with the customer this has to be a bad thing!So here with this Home Interiors – Client’s Guide – series of articles I will address the key aspects for client’s that have a Interior Design project in mind as to how they should go about searching for a Designer, what to look for, how they work and charge, how to get the best out of them and how a project gets off the ground to become a finished built reality.ABOUT HOME INTERIOR DESIGNHome Interior Design is not to be confused with Home Interior Decoration, as this tends to be only a skin-deep treatment to give a style change or “make-over” to a property. Home/Residential/Domestic Interior Design (whatever one may call it) is a much more fundamental approach to the way you live in a property and how a building can be made to work for the individual owners needs. This will not be just a coat of paint (some new curtains and cushions) it is likely to start with a in-depth rethink at how the property is planned and may involve some considerable changes put in place before one even thinks of decorations.Interior Designers who specialize in Home Design can be viewed as Interior Architects, and their abilities should cover all aspects of building and architectural work to a property included minor/major structural alterations and building extensions etc. They will go on to cover all the “decoration” elements such as colours, finishes and furnishings, but this is not necessarily the starting point for a project. Kitchens, Bathrooms, Staircases etc are some of the core planning elements that can structurally and technically change a buildings layout; the flow and shape of a property can change dramatically when approaching these areas.All the technical services that make up an Interior Design project will be undertaken by the Designer; Electrics, Lighting, Plumbing, Heating and Ventilation etc, all are fundamental that need to be design-in at the early stages of a scheme, even if it is just the principles of how these may work. It is becoming even more important these days with the opportunity for client to add-in to their project energy efficiency solutions for the whole building.Many Clients only have a very basic idea or framework of what they wish from a project; it is however the Designers role to gain that information and drawer out of the Client the full details of their requirements, this then forming the project brief. This can be a very personal experience with the Designer asking questions on how you live now and changes you wish to make to your life style. Be as open as you can as this forms an important foundation for any new design, remember that the Designer is designing for you and not for them, so they need to know how YOU tick!For most Clients they really enjoy this consultation, as this may be the first time that they have truly thought about their life style and what they really need from the project, apart from a floor, walls and ceiling. A good Designer will have the talents of a “pick pocket”, you will not know that so much information has been taken from you until you see the first concept design, and then you will realise that the smallest details have been included that reflects you and your life style.HOW DO YOU FIND A GOOD DESIGNERPersonal recommendations are always good, but remember, the Designer has designed for the person who gave you the recommendation, so even if their project is not to your taste this does not necessarily mean that the Designer cannot design to your taste. If they were satisfied that the Designer produced a sound creative solution that matched their brief, then this Designer would more than likely be able to satisfy your project requirements.Web Sites are a good way of looking at a Designers portfolio of work without making direct contact. Use the search engines and directories to track Designers that are within the broad area to where you live. It is no good having a Designer from Scotland if you live in London, and vice a verse, so aim relatively local of around a 50 mile search radius! Also be aware of companies that call themselves Interior Designers, but are really Home Furnishing companies and they are only really interested in selling from their shop or showroom. Offers of “free design service” will always have a sales agenda behind it. A true Design Consultant will be totally independent of any affiliated retail business and will use the global market to source what is right for your project, no commission or incentives involved.Professional Bodies such as The Chartered Society of Designers have registers of designers in your area and can be contacted for a list. They also have a web site at you could visit. The Chartered Society of Designers is a body that vets individual designers to make sure they meet a professional standard, it starts with a student quantification “Diploma Member” and then “Member” (MCSD), and the highest level is “Fellow” (FCSD) and you should look for these qualifications or similar from your Designer.I hope this has given you an insight into the world of Home Interior Design and if you are considering employing a designer is of help as to how to start to make a selection. Part of that selection process will be that first (no obligation) meeting with them; what can you expect to come out of this? Look out for the next article in this series by Chris Page.
Various Mental Health Treatments To Help Those With A Mental Illness
Here is the good news – mental health is getting more attention from various governments around the world and as a result more mentally ill people have a better chance of a better lifestyle. As soon as someone around you begins to develop the symptoms of mental disorder, it is very important that you consult a mental health care provider and get help for the patient. Getting the right course of treatment helps to improve the condition of a person. In some cases, the patient might be able to recover from the illness which is a great achievement for all concerned.
When it comes to mental health treatment, community treatments are considered to be much more beneficial than hospital treatments. Obviously, psychological treatments are considered to be the most beneficial for people suffering from depression and anxiety disorders, whereas medications are considered to be more suitable for people suffering from mental illness.
The Initial Assessment
Getting the initial assessment done for anyone experiencing symptoms of mental problems is extremely important. A Carer can help the patient by taking him / her to a mental healthcare provider and explaining the symptoms to help the physician make the correct diagnosis. For example, symptoms like difficulty in sleeping, failure to concentrate or any work, a negative feeling towards life in general or feeling ‘down’ for very long periods of time can indicate that a person is suffering from depression.
After an accurate diagnosis is made, the doctor can then decide on the course of treatment that would be best suited for the concerned patient. A number of times, the diagnosis changes with a change in symptoms. Thus, it is extremely important for the Carer to understand the patient’s symptoms to ensure that they can observe any change and if so the right treatment can be sourced.
Psychological Treatments for Mental Health Patients
Psychological treatments for treating patients suffering from mental problems are based on the belief that many problems occur due to the way different people perceive different things, the way they react and think about anything. Psychological treatment is a great way of reducing pressure and strain associated with symptoms of mental illness. However, keep in mind that it takes several weeks or sometimes even months, for the treatment to produce evident results.
Different kinds of psychological therapies which are used for treating mental health illnesses include:
Cognitive Behavior Therapy: This process of treatment involves examining the patient’s feelings, behavior, and thoughts and establishing how they get caught up in unhelpful patterns. The therapist works with the patient to develop different ways of acting and thinking. This technique is extremely helpful for treating patients of depression, schizophrenia, and bipolar disorder.
Interpersonal Psychotherapy: This process involves examining the way in which the relationships and interactions of the patient with people around them, affects their own behavior and thinking.
Dialectic Behavior Therapy: This therapy is considered to be ideal for people suffering from borderline personality disorder, in which the patient is unable to handle their emotions. The therapy can help them to manage their responses and emotions in a better manner.
Other Mental Health Treatments
Medications: Medications are more suited for patients who get seriously affected due to mental health problems. Antidepressants, mood stabilizing medications, and antipsychotic medications are often prescribed for mental patients.
Electroconvulsive Therapy: This is known to be quite effective for treating severe depression as well as for other mental illness. The process involves giving anesthetics and relaxants to the patients, after which the doctor passes an electric current through the patient’s brain.
Community Support: This includes providing the required information, help in finding work, education in health and better management, training, and psychosocial rehabilitations, as well as mutual support groups.
Chronic illnesses need medication but what is a problem is that many patients do not agree that there is anything wrong with them and do not want to continue treatment. This is where there becomes a problem as far as control and recovery from a mental illness is concerned.
Until a patient is in a fairly stable place they do not understand that they are actually ill and that they do need the help of medication in the recovery process.
Improve Your Well-Being – How Your Attitude to Health Can Help
What is Health?
How do you define health? Is it a state of complete physical, mental and social well-being? Is it merely the absence of disease or infirmity? Or is health a resource for everyday life, rather than the objective of living; a positive concept, emphasising social and personal resources as well as physical capabilities?
Good health is harder to define than bad health (which can be equated with the presence of disease), because it must convey a concept more positive than mere absence of disease, and there is a variable area between health and disease. Health is clearly a complex, multidimensional concept. Health is, ultimately, poorly defined and difficult to measure, despite impressive efforts by epidemiologists, vital statisticians, social scientists and political economists. Each individual’s health is shaped by many factors, including medical care, social circumstances, and behavioural choices.
Health Care
While it is true to say that health care is the prevention, treatment and management of illness, and the preservation of mental and physical well-being, through the services offered by the medical, nursing and allied health professions, health-related behaviour is influenced by our own values, which are determined by upbringing, by example, by experience, by the company one keeps, by the persuasive power of advertising (often a force of behaviour that can harm health), and by effective health education. Healthy individuals are able to mobilise all their physical, mental, and spiritual resources to improve their chances of survival, to live happy and fulfilling lives, and to be of benefit to their dependants and society.
Achieving health, and remaining healthy, is an active process. Natural health is based on prevention, and on keeping our bodies and minds in good shape. Health lies in balancing these aspects within the body through a regimen consisting of diet, exercise, and regulation of the emotions. The last of these is too often ignored when health advice is dispensed, but can have a pronounced effect on physical well-being.
Diet
Every day, or so it seems, new research shows that some aspect of lifestyle – physical activity, diet, alcohol consumption, and so on – affects health and longevity. Physical fitness is good bodily health, and is the result of regular exercise, proper diet and nutrition, and proper rest for physical recovery. The field of nutrition also studies foods and dietary supplements that improve performance, promote health, and cure or prevent disease, such as fibrous foods to reduce the risk of colon cancer, or supplements with vitamin C to strengthen teeth and gums and to improve the immune system. When exercising, it becomes even more important to have a good diet to ensure that the body has the correct ratio of macronutrients whilst providing ample micronutrients; this is to aid the body in the recovery process following strenuous exercise.
If you’re trying to lose weight by “dieting”, don’t call it a diet, first of all – successful dieters don’t call what they do a “diet”. A healthy diet and regular physical activity are both important for maintaining a healthy weight. Even literate, well-educated people sometimes have misguided views about what makes or keeps them healthy, often believing that regular daily exercise, regular bowel movements, or a specific dietary regime will alone suffice to preserve their good health. Despite the ever-changing, ever-conflicting opinions of the medical experts as to what is good for us, one aspect of what we eat and drink has remained constantly agreed by all: a balanced diet.
A balanced diet comprises a mixture of the main varieties of nutriments (protein, carbohydrates, fats, minerals, and vitamins). Proper nutrition is just as, if not more, important to health as exercise. If you’re concerned about being overweight, you don’t need to add the extra stress of “dieting”. No “low-fat this” or “low-carb that”; just healthful eating of smaller portions, with weight loss being a satisfying side effect. Improve health by eating real food in moderation. (For many reasons, not everyone has easy access to or incentives to eat a balanced diet. Nevertheless, those who eat a well-balanced diet are healthier than those who do not.)
Exercise
Physical exercise is considered important for maintaining physical fitness and overall health (including healthy weight), building and maintaining healthy bones, muscles and joints, promoting physiological well-being, reducing surgical risks, and strengthening the immune system. Aerobic exercises, such as walking, running and swimming, focus on increasing cardiovascular endurance and muscle density. Anaerobic exercises, such as weight training or sprinting, increase muscle mass and strength. Proper rest and recovery are also as important to health as exercise, otherwise the body exists in a permanently injured state and will not improve or adapt adequately to the exercise. The above two factors can be compromised by psychological compulsions (eating disorders, such as exercise bulimia, anorexia, and other bulimias), misinformation, a lack of organisation, or a lack of motivation.
Ask your doctor or physical therapist what exercises are best for you. Your doctor and/or physical therapist can recommend specific types of exercise, depending on your particular situation. You can use exercises to keep strong and limber, improve cardiovascular fitness, extend your joints’ range of motion, and reduce your weight. You should never be too busy to exercise. There’s always a way to squeeze in a little exercise, no matter where you are. Eliminate one or maybe even two items from your busy schedule to free up time to fit in some exercise and some “YOU” time. Finding an exercise partner is a common workout strategy.
Emotions
You may have heard about the benefits of diet and exercise ad nauseam, but may be unaware of the effect that your emotions can have on your physical well-being and, indeed, your longevity. Like physical health, mental health is important at every stage of life. Mental health is how we think, feel, and act in order to face life’s situations. Prolonged psychological stress may have a negative impact on health, such as weakening the immune system.
Children are particularly vulnerable. Caring for and protecting a child’s mental health is a major part of helping that child to grow into a normal adult, accepted into society. Mental health problems are not just a passing phase. Children are at greater risk for developing mental health problems when certain factors occur in their lives or environments. Mental health problems include depression, bipolar disorder (manic-depressive illness), attention-deficit / hyperactivity disorder, anxiety disorders, eating disorders, schizophrenia and conduct disorder. Do your best to provide a safe and loving home and community for your child, as well as nutritious meals, regular health check-ups, immunisations and exercise. Many children experience mental health problems that are real and painful, and they can be severe. Mental health problems affect at least one in every five young people at any given time. Tragically, an estimated two-thirds of all young people with mental health problems are not getting the help they need. Mental health problems can lead to school failure, alcohol or other drug abuse, family discord, violence, or even suicide. A variety of signs may point to a possible mental health problem in a child or teenager. Talk to your doctor, a school counsellor, or other mental health professionals who are trained to assess whether your child has a mental health problem.
Control your emotions. If a driver overtakes you on the wrong side, or pulls out of a side road in front of you, don’t seethe with rage and honk your horn; You’re hurting no one but yourself by raising your blood pressure. Anger has been linked to heart disease, and research has suggested that hardening of the arteries occurs faster in people who score highly in hostility and anger tests. Stay calm in such situations, and feel proud of yourself for doing so. Take comfort in the knowledge that such aggressive drivers only increase their own blood pressure. Your passengers will be more impressed with your “cool” than with your irascibility.
If you are in a constant rush, feeling that every second of your life counts, just slow down a little. Yes, every second does count, but consider the concept of quality of life. Compare how you feel when you’re in a hurry with how you feel when you’re not. Which feels better? Rushing everywhere increases your stress level. The body tries to overcome stress by making certain physiological adjustments. Some time after you slow down, the physiological adjustments and the stress symptoms revert to normal. If you don’t ever slow down, the physiological adjustments and the stress symptoms persist. It is this persistence of the body’s response that matters. You may develop physical, physiological or psychological problems, and may not be able to lead a normal life. Many cases of stress are somehow connected with money, or rather the lack of it. Such people struggle to make ends meet or to acquire more material possessions. This brings us to our final discussion: attitude.
Attitude
It is always pleasant to enjoy the fruits of our labours, of course. Sometimes, however, it seems that whatever we do, it’s just not enough to be able to afford that new car or that foreign holiday. So, what do we usually do then? We work harder, longer; we increase the stress on our minds and bodies; we spend less time with our families and friends; we become more irascible and less likeable people. If you find yourself in this situation, just stop for a moment, and consider: Is it all worth it? What is the purpose of life? Surely it is to be happy. You’ll probably be happier if you adopt the philosophy that true quality of life is not to be found in material things. If you convince yourself that you want less, you’ll need less. If you need less, you’ll cope with life more easily, and the happier, and therefore healthier, you’ll be. Buddha called this “enlightenment”. Enjoy a “good-health attitude”. Focus on your abilities instead of disabilities. Be satisfied with what you have, rather than be dissatisfied about what you don’t have and probably never will have.
If you simply cannot cope with a healthy diet, exercise and emotional control, but genuinely prefer to eat junk food, be permanently drunk, be under constant stress, and be disliked by others, then enjoy your life while it lasts, but understand that the trade-off is that it will probably not last long. If you accept this willingly, you’ll be happy. There is some merit in the philosophy that it is better to live a short, happy life than a long, miserable one.
Conclusion
Personal or individual health is largely subjective. For most individuals and for many cultures, however, health is a philosophical and subjective concept, associated with contentment, and often taken for granted when all is going well. The evidence that behavioural factors such as diet, physical activity, smoking and stress influence health is overwhelming. Thus, health is maintained and improved not only through the advancement and application of health science, but also through the efforts and intelligent lifestyle choices of the individual and society. Perhaps the best thing you can do for your health is to keep a positive attitude. Optimal health can be defined as a balance of physical, emotional, social, spiritual and intellectual health. Maintain a positive attitude!
Paton Marketing: Quality Solutions for Effective Internet Marketing
Paton Marketing is an Internet Marketing Company Miami that has helped many clients generate great revenues through various online marketing techniques and procedures. Paton Marketing offers services like Search Engine Optimization, Website Development, Pay per Click Management, Reputation Management, and Social Media Marketing. We provide all the services you need at affordable rates.
Our online marketing strategy constantly thrives to get desired results for the clients. Our SEO campaigns cover all critical and diverse factors ranging from on-page, back link, content to website design. All SEO aspects are covered with the simplified three phase approach of Plan, Optimize and Track to strategize, execute and report SEO campaigns.
Miami Marketing Agency uses expert knowledge in a range of marketing services to help bring our clients’ websites to unprecedented levels of success. Through effective online marketing strategies and our expert SEO services, we can help turn your website in to your business’ most powerful lead generator. Google, like many other search engine ranks pages based on certain criteria. To start with, the quality of your site matters a lot.
We also specialize in Web Development and Web Design. Paton Marketing provides our clients with a strategically-developed premium custom website. A great website will go a long way in getting your business noticed online. It also delivers a high-quality user experience. We keep your website up to date regularly.
Internet marketing is much more than site creation. It requires precise marketing techniques and tools across the board. Without our professional assistance, your website will simply fail to generate essential web traffic. Web marketing also entails weekly progress reports. This includes web traffic, along with the number of hits your site secures on a weekly basis.
Miami Marketing Agency also specializes in Reputation Management. Reputation Management is one of most important factor in web marketing. Negative content can terribly affect your business. Paton Marketing Reputation Management strategies can protect your online reputation by suppressing negative content on the search results. We create positive and multiple micro-sites ensuring that the negative links are pushed further out of search results.
If you are struggling with web traffic issues, our dedicated marketing team can help you within time and budget. Simply contact us today.
Best computer science papers online
Computer science papers are part of the diverse types of assignments that students will encounter in their academic endeavor. Student undertaking engineering and computer science course will write computer science papers before they complete their course. It is important that student familiarize themselves with the right skills needed to complete such papers. The first vital skill in writing any academic paper is practice. Student should practice how to write different computer science papers. Some of the academic papers that students may encounter include computer essays, term papers, research papers, thesis and dissertation. It is vital for the student to practice the writing process depending on his academic level. Unfortunately, not all students have the ideal skills to complete an academic paper. Some students may have the right ideas regarding the completion of the paper, but they lack the skills to out the ideas into a sensible computer science paper. Such students risk failure if they persist to present poorly written papers.
Computer science papers services gives students a chance to complete their assignment in a way that guarantees excellent scores. The affordability of the computer science writings that we write makes us an ideal choice for students. We have affordable rates that suit students of varied financial statuses. The low pricing of the service is attributed to the desire of the company to serve all students. We have retained a standard fee throughout the years. We rarely hike the prices of computer science papers. The quality of the computer science papers also makes the company the ideal choice for many students. We have excellent writers who are dedicated to serving all students. The writers are well trained and certified. This means that we engage the service of professionals in the completion of the writing. We also operate 24/7 ensuring that the company does not experience any backlog in terms of completion of computer science papers.
The 24/7 operations also ensure that we are capable of handling urgent papers. Sometimes a client may place computer science papers that are very urgent. In such scenarios, we ensure that the client finds a reliable service provider who will ensure that the urgent computer science papers are completed. The company remains open throughout the year regardless of the holiday in question. The timely delivery of completed computer science papers makes the company an ideal choice for many students. We are known to deliver completed papers on time. This is attributed to many factors. We, for instance, have a dedicated team of writers who work tirelessly to ensure there is no backlog of computer science papers. We also have a first-come-first served strategy in which writers work on computer science papers that student sent first. The earlier the client sends a writing request, the sooner he shall receive a completed paper.
Originality is also emphasized with all computer science papers written from scratch. We also ensure that we scan all completed paper through a plagiarism checker to determine authenticity.
Clients who require a plagiarism report can request for one from the customer service. The
customer care service is also available 24/7 to assist all students with their enquiries. Scanning of completed papers is guaranteeing that students receive papers with 0% level of plagiarism.
We also offer editing service at a reasonably low price. Try the computer science papers services today.
Cheap Computer Science Papers
Today the inevitable wind of change in technology has taken over since computers and progress are attached to each other. With the dawn of information and technology, which has produced computerization, computer science has taken adequate significance. As a subject of truth, a preponderance of people around the globe is receiving computer science education.
Scholars who are offering computer science courses are required to prepare or write computer science papers as the assignments assigned to them by their professors of instructors. In every University offering computer science courses, students are required to undertake coursework assignments after every one or two weeks. These assignments are mostly in the form of short computer projects that require detail writings. Furthermore, the assignments are of diversified categories such as computer science term papers, computer science essay, computer science dissertation essay, and computer science research paper among others. Developing computer science papers is not an easy task since it requires abundant time to complete writing the papers.
Preponderance part of students agonize with computer science papers since they always have limited time to complete their assignments, yet their supervisors demand completed assignments in the shortest time possible. Many students combine their courses with other small courses making their academic workload bulky and difficult in handling. As a result of multitasking, under limited time and external support many students end up performing poorly in their computer science papers assignments. Since computer science is an expansive field, which handles topics such as programming, and artificial intelligence a lot of effort is needed in terms of knowledge gathering. Nevertheless, due to the bulky syllabus students take in computer science papers it becomes practically impossible for them to handle their papers well.
The only savior for those kinds of students is to ask for assistance from computer science papers writing companies such as Computer science papers writing agency. Computer papers writing agency is a full-grown entrepreneurship entity aimed at helping students in writing computer science papers and all other academic papers. This agency has a long lasting legacy in preparing fully complete computer science papers credentials for students in all academic levels.
This legacy has been sustained by its persistence in writing quality and original computer science papers for more than three decades now. In addition, this company has endeavored to secure is clients who have witnessed its professionalism in preparing computer science papers.
On the different note, computer science papers agency has a team of writers who ensure thorough preparations of all academic document prepared by this company. As if not enough, these writers are also professional team of graduates from recognized Universities such as Harvard, Cambridge and Stanford. Additionally, these writers have postgraduate and undergraduate certified degrees for various courses offered in the universities. There should not be any reason for any student to dread requesting for their support since they are also alumni from different Universities. These writers have intensive knowledge on working out all academic papers since their many years of experience guarantees their efficiency in preparing all papers.
This agency has zero% tolerance policy on plagiarism cases since it has current software used in scanning all academic papers to ensure originality. On professionalism, the company ensures that all documents have grammar and spelling corrections of 95% and above scores. The company also provides a variety of styles of writing such as Harvard, Oxford MLA, APA and Chicago among others. Come one come all and witness a great deal of cheap computer science documents.