Finding Low Cost Health Insurance – Options And Ideas

Why are there so many Americans who are uninsured? Because it costs too much. It's really that simple. Independent contractors and small business owners often forego getting their own health insurance plans, hoping nothing happens that could ruin their business and put them in the poorhouse. And, the growing number of Americans living before the poverty line could not afford health insurance if they wanted to.

There are some ways to get low-cost health insurance if you need to. We can all stand to save a couple bucks, but for some of us it's a necessity. Here are some ideas to help you get low cost health insurance.

Individual Health Insurance Plans

Everybody knows that you can save with group insurance plans, but not everyone knows that the average cost of individual plans is dropping. This is because more and more people are choosing individual plans because of the flexibility they offer, and that is forcing health insurance companies to be more competitive.

Go With An HMO

An HMO, or Health Maintenance Organization [], is a way to get insurance on a fixed budget. Think of it as a health insurance package deal. The HMO has a network of doctors that you can choose from. If you need to see a specialist or go to the hospital, they can refer you to one that is also under the same HMO plan.

HMOs are usually affordable, and they offer you a fixed price, so you do not have to worry about premiums changing. They also handle all the claims and paperwork for you, so they make the whole process easier.

The disadvantage of HMOs is the lack of flexibility. You have to go to the same doctor, and any doctor or hospital visits outside of your HMO will not be covered.

More Alphabet Soup – PPOs

A PPO is a Preferred Provider Organization. PPOs work just like HMOs but with a little added flexibility. For an extra cost, PPOs allow you to visit healthcare professionals outside of your chosen doctor when necessary. These plans are becoming more popular than HMOs in recent years because of the choices offered to carriers.

Fill Your Insurance Gaps With COBRA

COBRA is a program designed to allow those who have recently lost their insurance to stay on it until they find something new. It is ideal for those who have left their jobs, or who were covered under their spouse's insurance but were recently divorced or widowed. With COBRA, you can maintain your current plan for up to 18 months until you get a new health insurance plan.

Let The Big Guys Lend A Hand

There's no shame in seeking government assistance when you are in a tight spot. Think of you and your family's well-being. When you're really scrabbling bottom, there are a variety of low cost health care programs such as Medicare available. While these programs do not offer the same high quality coverage as a good health insurance plan, they will help cut down your medical expenses when you need them.

Health insurance is expensive but necessary. The number of Americans with no coverage at all is shocking. Do not be
intimidated by the high price; there are always ways to find low cost health insurance.

5 Differences Between Mopeds and Scooters

If you are trying to save a few buck in your transportation expenses these days, you may want to consider a moped or scooter. Obviously if you do not live near your work or have a large family this may not be possible. But for single people, students, or someone who has just a short commute to work, these vehicles can save you a ton of money when it comes to what you are paying at the pump each month.

Many people interchange the two terms, but they technically are not the same. Here are some of the differences between the two:

# 1 The Look.

Some of you reading this that are a little bit youngger may have never even seen a moped. They look like a heavy duty version of a bike. They have a motor, but they also have pedals.

The scooter on the other hand, has no pedals and looks like more like a mini motorcycle.

# 2 The Motor

Mopeds are going to tend to be a lot less powerful than most scooters. They will usually have a 1 gallon gas tank with no more than a 49cc motor. Do not get me wrong, they will usually get you over 200 miles on a tank, but they are limited on power.

The scooter, on the other hand, has evolved over the years. Scooters come with many different engine sizes ranging from 49cc up to 250cc.

# 3 Speed

The mopeds are hindered by their smaller motor, so they only get going to around 30 mph tops. The scooter can go anywhere from 25mph up to 60mph depending on the size of the motor.

# 4 Availability

Honestly, there are going to be many more options available to you if you are choosing a scooter over a moped.

# 5 Affordability

A moped may be a little less expensive because a) the are usually not as high tech; or b) you may actually have to find a used one if the moped is the way you want to go.

Scooters are much more advanced nowdays, but some people like the old school look and feel f the moped. Either way, they are both going to save you massive amounts of money at the pump if you decide to use them.

What Photography Really Is

According to famous French and Swiss Jean Luc Godard, photography is truth. It is the art or the process of creating or obtaining accurate representations of objects through chemical action of light or other kinds of radiant energy on specially treated surfaces. The device used in obtaining this is known as the camera and it will have many uses for business, science, art and pleasure. The products of photography are called negatives, photographs. or simply photos.

Today, many photographers prefer black and white photos and would even apply a variety of techniques to create this effect on their photos. Photography was originally done in black and white and this approach was widely used for several decades due to its lower cost and the 'classic' look the photographs shown. However, monochromatic pictures were not purely black and white while being processed then.

By the 17th century, color photography began but only saw market success in 1907. Color films started to come out in the market and, in 1963, instant color film was introduced. This multi-color approach provided a result where images formed a positive transparency. This became a useful tool in slide projectors. Owing to this kind of innovation, the introduction of photo printing equipment started.

New technological trends opened a new direction and digital photography came in, leading everyone to new artistic visions. By using a digital camera, you are now using full spectrum photography. Traditional photography became a bore to photographers especially when the work covered remote locations where processing facilities was not easily accessible. Photojournalism and professional photography were the first to enjoy the modern accents of digital photography. With the technology, sending images between offices worldwide has become very fast and easy. Today, it is an indispensable commodity for phofessional photographers.

With digital photography, images are recorded through electronic imaging rather than a change in chemical process. Chemical photography involves film and photographic paper and resists manipulation. Digital imaging, on the other hand does not require this paraphernalia because all it needs is a significant medium. it only need a highly manipulative medium.

From then on, digital prints have become a major consumer product in the world of photography. However, a 2007 survey made by a major brand in camera, shows a large number of professional photographers who still continue to use chemically processed film. They believe these are still far superior than any digital photography equipment ever made.

Can A Cortisol Weight Loss Product Really Help You Lose Weight?

Breakthroughs in science have led to the discovery of the cortisol weight loss product. The basic purpose of the cortisol weight loss product is to reduce the body's production of cortisone, which is believed to be responsible for weight gain caused by stress. Before you jump to conclusions, however, it's important to note that cortisol is not entirely bad. In fact, your body needs it for basic emergency response.

About cortisol

Cortisol, the main ingredient in any cortisone weight loss product, is also known as the stress hormone. It is responsible for the way the body responds to stress. Usually in small doses, it helps keep your body's proper physical functions. Whenever there is a psychological or physical threat, the hormone is released in larger amounts. This gives your body a sudden burst of energy, along with other physical changes to allow your body to fight or run better. After the stressful event, the body goes back to its relaxed state and all the systems function normally again.

Stress and cortisol

When you experience chronic stress, your body tends to produce more cortisol and your body refuses to go back to its relaxed state. The high cortisol levels can lead to weight gain, specifically in the abdomen. Also, some people respond to stress by binging on comfort foods that are typically fatty and rich in carbohydrates, which leads to further weight gain.

Increased metabolism

Adrenaline works by making you more alert and energetic, which results in an increased metabolism. Cortisol, on the other hand, helps your body become more effective in glucose production that comes from protein. This helps your body to quickly increase its energy levels whenever it faces stress.

What the experts are saying

Experts believe that living in a modern and fast-paced world increases our stress levels, and our body keeps it that way for longer durations. They believe that this is the primary reason for excess glucose production and consistently high cortisol levels. Because cortisol stimulates glucose production, it is easily converted into fat, which ends up getting stored instead of burned.

The research on fat

Studies reveal that with too much adrenaline, the fat cells can become resistant to its effects. This can lead to the fat cells becoming unresponsive to any kind of adrenal stimulation to release the fat. In addition to that, the glucose created by high cortisol causes the fat cells to be stored in the abdominal area, where they can cause even more harm. Abdominal obesity is known to increase the risk of diabetes, heart disease, and metabolic syndrome.

What's in a pill?

Cortislim, an example of a cortisol weight loss products, contains ingredients that can suppress the production of cortisol in the body. One such ingredient is magnolia bark, also known as "honokiol". In small doses, it can help reduce stress and anxiety without any sedative side effects. Large doses can act as an effective sedative, although not as powerful as valium.

The effect the a cortisol weight loss product is backed by a number of laboratory studies. Honokiol is considered an effective anxiolytic (anti-anxiety) agent, but there is no scientific evidence to verify its effectiveness against chronic stress. Cortisol products may also contain chromium, green tea, vanadyl, and banaba leaves. They work effectively in stabilizing a body's blood sugar levels while moderating its reaction towards insulin.

Another ingredient you can find in a cortisol weight loss product is bitter orange. It has been standardized for the gentler form of ephedra known as synephrine. However, there is not much validity on the benefits of synephrine on the person using it.

For weight loss?

A cortisol weight loss product may be helpful for some people, but not for others. Before taking any cortisol weight loss product, you must consult your doctor to see if it will work for you. You should also remember that there is no easy way to lose weight; it takes a great amount of motivation and action on your part. Diet and exercise remain the best ways to lose weight for the long term.

As for cortisol, it is not a bad hormone, but it is not a magic pill for weight loss. It is still important that you find ways to control your stress levels to reduce anxiety. Exercise is a good way to release endorphines, the so-called "happy hormones", which are also effective reducing stress and anxiety levels.