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Unfortunately, health insurance fraud is rampant in the US. It's difficult to protect yourself from being victimized. As a matter of fact, people who are scammed might not even know it, until such time as they submit a claim. Only then do they discover that the once their claim is denied, that they have been victimized.

Is there a chance to prevent health insurance fraud from happening to you? Would you be aware of what to look for? There are many different characteristics of this fraud, but one in particular for you to watch out for: health insurance coverage being offered at a ridiculously low cost.

Be cautious of spam mail that promotes cheap health insurance, especially if you've never heard of the company offering it. Before you take any action, it's best to research the company's credibility. You can find ratings of health insurance companies at http://www.ambest.com. You can also verify that the company is licensed to transact business in your state, by contacting your state insurance commission.

Even if the company seems legitimate, you still should read and understand the offer. Check out the fine print. And to be wary of an offer that asks you to pay the total premium in advance, or insists you pay in cash.

Another step you can take is to contact your local hospital or family doctor and ask them if they accept this insurance. In fact, ask them if they'd even heard of it.

If you feel that you are a health insurance fraud victim, take the following three steps:

File a complaint with your state insurance commissioner.

Get in touch with your bank to prevent any scheduled future automatic insurance payments.

Speak to your local law enforcement officials.

Prevention is the best way of protecting yourself from health insurance fraud. If you are careful to begin with, you will avoid much anguish afterwards.

To see more articles about health insurance, such as individual health insurance plans, types of plans available, what a policy means, and more, please visit http://www.health-insurance-aid.com.

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We keep a diary for various reasons, to reflect on happy and sad memories in our personal life and to remember appointments and keep notes in our professional life. A health diary is a similar tool that helps in keeping the track of your health records as well as updating them. Using a health diary you can do number of things which help you as well as your health care providers and physicians. A daily health diary can be used to manage your daily health related activities, food habits, exercise regimes and other essential health concerns. The main objective of health diary is to create an easy and efficient way of communication between you and your doctor and to track your health goals.

Typically, people maintain two kinds of daily health diaries: a personal health diary and a family health diary. A personal health diary can be used to meet the health objectives set by you and your physicians or health care providers. You can include various information inside personal health diary such as:

Diet: you should plan a healthy and nutritious diet after having a discussion with your dietitian or physician. People with diabetes or obesity problems can create a diet plan to meet the necessary goals. The diet plan may include foods that can be included in your daily meals to get all the essential nutrients such as protein, vitamins, carbohydrates, fats and minerals. You can also arrange the diet in terms of foods taken in breakfast, lunch, dinner and snacks. At the end of every month, you shall see the changes in your body by following this healthy diet diary plan.

Exercise: you can also plan and develop different exercises for the entire week or month. This record is especially helpful to people who wants to build their muscles, cut down the extra fats, and provide flexibility to the body. Exercises for each day in a week can be planned and worked at accordingly to meet the objectives.

Healthy lifestyle: some people would want to keep a track on their wellness related activities and habits that they perform during a week or a month. People who constantly move around and indulge in eating out can keep a track on what and how much they have consumed. This plan may also include timings for sleeping, wake up, regular check-ups, smoking, alcohol consumption, meals and so on. This can help an individual to live his/her life in an organized and disciplined way.

A family health diary works in the same fashion. However, you can arrange the details of your family members separately in family health diary. If you are married, you may want to keep a track on vaccinations for your baby, health check-ups for your father and mother and pregnancy tests for your wife. You can surely provide a disease-free and healthy life to your beloved ones by using a family health dairy. The diet plans, exercise plans and lifestyle plans would be changed according to the age, sex and fitness level of your family members.

A health diary can help you at various occasions and scenarios. You can access your health records even when you are out of your city for the business or vacation purposes. In cases of emergencies, the doctors would benefit greatly by the knowledge provided by your records. A health diary also allows new doctors to have a better idea about your health and can provide the most effective treatment in short span of time without repeating tests that have been performed recently. Even a person from non-medical background can provide valuable help in emergencies, if you carry a health diary which includes information such as:

Name, age, and address

Past diseases and treatments

Allergies

Medications in use

Major surgeries

Jennifer is an expert Internet marketing professional with years of experience in various industries such as: Business, Finance, Real Estate, Health Record, Web-Design, and many more.

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The almond, which we think of as a nut, is actually the seed of the fruit from the almond tree. The almond is related to the peach, but the fruit toughens into a leathery coat, called the hull, which contains the shell and the edible kernel. Unlike the peach pit, the almond kernel is not only edible, but also quite nutritious.

Almonds are high in health-promoting monounsaturated fats. These fats are beneficial for healthy hair, skin, and nails. But don't be too concerned about almond consumption leading to a high-fat diet; it is believed that not all of the fat in almonds is absorbed. A study, from Kings College in London, showed that the cell walls of almonds may influence the body s absorption of the fat in almonds. When eating almonds, chewing appears to break down only some of the cell walls, leaving some of the almond intact, so that not all of the fat was released for digestion.

Almonds are also low in calorie density, which means you get a larger portion size with a fewer number of calories (eat more, gain less). But don't go overboard; anything eaten in excess can lead to health problems. The most widely recommended intake of almonds is one ounce per day.

Almonds are a good source of manganese, magnesium, copper, tryptophan, phosphorus, and vitamins E & B2. They are also loaded with other vitamins, minerals, and fibre. Furthermore, like all nuts, almonds provide one of the best plant sources of protein. Almonds have been used to treat iron deficiency, menopause, pain, and for cancer prevention. The beneficial fats and fibre in almonds is believed to help prevent heart disease. One study showed almonds to be almost twice as effective at lowering cholesterol levels than oatmeal.

With all the health benefits, as well as great taste, of almonds, it's no wonder that producers turn out over two million tonnes yearly.

Disclaimer: This article is for entertainment purposes only, and is not intended for use as diagnosis or treatment of a health problem or as a substitute for consulting a licensed medical professional.

Charles Browne is an ezine author promoting nutritional healing, and disease prevention. He is also co-author of the web comic The Adventures of Deaf Duck.

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Everyone who lives in New Jersey, deserves health care that delivers top quality care at an affordable price. They deserve health care that is accessible and fair. If you're looking for affordable individual health insurance in New Jersey, this article will help to point you in the right direction.

Affordable New Jersey Individual Health Insurance Plans

In today's health insurance market, the most important thing is providing adequate coverage at a price the public can afford. Major insurance companies are rolling out new plans that can do that for you. The most popular new plan is the (HDHP) High Deductible Health Plan. As with car insurance, health insurance premiums are greatly affected by the deductible amount you choose.

The deductible amount you choose can be anywhere from $1000 up to $10,000. High deductible health plans can be paired with an (HSA) Health Savings Account to get the best coverage and cost-savings.

This is how it works: A high deductible health plan has a high deductible amount that you must pay before the insurance plan begins to pay. The minimum deductible for a plan to be considered an HDHP is $1000. The higher deductible lowers your monthly premium by as much as half in some cases.

You can then take a portion of this savings and put it into a HSA health savings account for any future deductibles you might have to pay. This type of plan is gaining popularity among many Americans searching for affordable health insurance.

New Jersey Health Insurance Quotes

Now that almost all major insurance companies have made their plans available online, you can go shopping for health insurance any time, night or day, for affordable individual health insurance.

Just click on the following link to get immediate New Jersey health insurance quotes and more health plan information. It's fast, it's free, and you're under no obligation. You can get 4 to 5 competitive quotes for affordable New Jersey health insurance

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Son yillarda lazer epilasyon kalici epilasyon metodlari arasinda en cok tercih edilen metod oldu. Kalici epilasyon fikri bayanlarin yaninda erkeklerinde cok tercih etigi bir method. Yaklasik 20 yildir kulanilan lazer epilasyon yntemi gn getikce daha da yaygin bir sekilde kulanilmaya baslandi. lazer epilasyonun phototermis zelligi sayesinde tene zarar vermeden direkt kil kkne renk veren melanini grerek kil kkn tahrip eder ve kalici epilasyon saglanir.

Lazer epilasyon

Kalici epilasyon fikri insanlarin tylerinden sosuuza kadar kurtulabilmek adina cok byk bir sans vermistir.Agri esiginin az olmasi sonuclarinin eski yntemlere gre daha basarili olmasi; tm dnyada oldukca fazla tercih edilmesine yol acmisdir.Avrupa ve amerikada yaklasik 20 yildir kulanilan lazer epilasyon cihazlari gnmzde teknolojik olarak daha da gelimistir ve sonuclar cok daha basarilidr.Lazer epilasyon 4ile 6 seans arasinda netice almak mmkndr.Seans araliklari ortalama 2 aydir.

Lazer epilasyon

Vcudumuzdaki istenmeyen tylerde kurtulmak iin yilardir sre gelen metodlarin disinda son yillarda basarisi ile kendi ispat etmis olan lazer epilasyon gn getikce yayginlasmaktadir. Bayanlarin disinda erkeklerde son yilarda oldukca fazla bir sekilde bu yntemi tercih etmekedirler. Son yilarda fiyatlarinda geri gelmesi bu yntemi bircok kisinin kulanmasina sebep olmustur.Lazerline lazer epilasyon ve esteik hizmetleri lazer epilasyon konusundaki 5 yili asgin deneyimini 2 subesinde sizlerle paylasmaktadir

The number of 55 plus Americans has been steadily increasing as the baby boomers move into that age bracket. Additionally, more people are living longer lives. These trends have caused term life insurance prices to fall by approximately 33% in the last 10 years. To keep pace with the growing senior market many life insurance companies are expanding their product lines to provide protection that meets older people's needs.

Older consumers now have many new alternatives to choose from. Industry sources explain that even as recently as 10 years ago, many of these options for senior life insurance were unavailable. For instance term life insurance coverage is now being enhanced to be suitable for purchase at older ages with longer guaranteed insurance periods - twenty-five to thirty years, lower costs at all ages and higher issue ages. As matter of fact, many companies offer life insurance to people age 80 and beyond. For older people, there are a variety of reasons life insurance makes sense:

Funeral expenses - Sometimes the family needs money to pay for funeral expenses and other costs related to death.

Estate taxes - Big estates have big taxes starting at 37% for estate assets over $675,000. Our recent bout of inflation may have pushed some people into the estate-tax bracket without them even realizing it. Life insurance when it resides in an irrevocable life insurance trust is outside of the estate and can be used to provide monies to pay for any estate tax liability.

Lifestyle maintenance - These days both spouses may work and when one dies the other may be left with a reduced income. The cash from the policy could be invested to produce an income stream that would help make up for the loss of the deceased spouse's salary.

Retirement Income - If you have the permanent (whole life) life insurance the asset grows tax deferred. By the time you retire you will have a nice cash value which you can turn into an annuity or simply put it in a money market fund for emergencies. If you don't have whole life but have term instead you can cash in other conservative assets such as CD's and purchase fixed income life insurance which covers your insurance needs and strengthens your financial base.

Finally there is an interesting new twist that some seniors are employing with their life insurance policies called Life Settlement. Essentially a senior sells his/her policy to a third party for a specified amount and the investor receives the pay out value when the person dies. There is a great deal of controversy about this practice so make sure you understand how it works and check with your attorney before you choose this option.

Visit us to learn more about Life Insurance For Old People.

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Renter's insurance is designed to protect you in times of disaster. If you are a renter, you need as insurance as much as the home owner. This is because the home owner's insurance only covers the protection of the building and not your belongings.

There are different types of renter's insurance. The HO-4 policy is for renters while HO-6 is for condo owners. Both policies would cover the holder from 16 different disasters.

1. Weight of ice, snow or sleet

2. Fire or lightening

3. Volcanic eruption

4. Windstorm or hail

5. Civil unrest or riot

6. Vandalism or acts of malicious mischief

7. Theft

8. Falling object

9. Domestic accidents that happen because of plumbing, heating, air conditioner, sprinklers or other household appliances.

10. Explosion

11. Freezing of plumbing, air conditioner or other household appliances.

12. Electrical power surge

13. Sudden damage of household appliances

14. Damage caused by vehicles

15. Damage caused by aircrafts

16. Smoke damage

Notice that flood is not on the list. You need to take out flood insurance if you are in an area that is prone to flood, or on NFIP. For those who live in coastal areas where hurricane is a threat, you should also consider a separate rider to cover wind damage.

Consider whether your policy is replacement cost or actual cash value coverage. Actual cash value coverage would pay the cost of the property when it was damaged or lost minus your deductible. Replacement cost would pay for the current cot of replacing the property this is also minus your deductible.

Replacement cost coverage would pay you more when you file a claim but you also pay higher rates.

Be upfront with your agent about all your valuables. There are some things that you need to take out a separate rider for the very expensive items so that you'll be able to recover them in case of damage or loss. (Things like diamond rings, Persian rugs, collector's coins etc).

Whatever you do as renter, do not neglect the protection of your belongings. There are a lot of insurance companies so you have a lot of options. Only ensure that you make out time to do a thorough search to pick the one that would serve your best interest.

Here are recommended pages for home insurance quotes...

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Chisomeje Odimba writes for Quality-Insurance-4-Less.

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Most people are always trying to eat healthier - I know I am. And this includes adding more vegetables into my daily meals. Some people simply adore green beans. Me, well I have learned to enjoy them more year after year.

After I found this recipe, I did some research and was truly amazed and super surprised to learn how much good these green beans are and what they can do for us, in fact I was only going to share the recipe, but after my research, I knew I had to share the importance and nutrients available to us in the affordable green bean.

My mother used to saut slivered almonds in butter then sprinkle them over the green beans for me to be enticed to eat my veggies when I was a kid. Well this mother's trick actually worked, and I would eat up my green beans; she also did this little trick with the almonds over steamed broccoli - though despite all her efforts, the same trick just wouldn't work for me on Brussels Sprouts which I still have issues with - to me they are baby cabbages - and you would think a gal my age would have gotten over this issue, but I digress.

For years, I would make my green beans with the sauteed almonds for years until recently when I had them with sauteed mushrooms and onions. I was converted!

Now as a kid, eating vegetables was not my main priority and I am sure it is not your child's main gig either. And I do not blame them to bat. We eat with our eyes, as do your kids, a big point to remember. So to assist in getting them to see eating vegetables as simply as part of their meal and not some trick for them to have to eat so they can have their dessert, you need to be a little creative.

Getting you kids to eat the greens might take being a little creative but it is easier than you think.

1. First and super important to note, kids will generally eat the food they helped prepared. Why is that? They are curious to see their creations come to fruition. Just like a piece of art clay they may have made in class, should their school still be fortunate to have art classes.

2. Have the kids help you in picking the best looking green beans at the store.

3. Get the kids to use their kid-friendly scissors to cut off the ends of the greens and rinse them under water.

4. Using a kid-friendly knife - even a plastic knife, have them slice up the mushrooms for the recipe I share below.

5. Try growing green beans this spring, they are fast growing, kids can easily plant the large seeds in a circle with several tall bamboo rods sticking up out of the ground and tied towards each other like a 'tee pee' shape. With normal conditions, you should see sprouts starting in as little as 5 days. Kids love to eat what they grow. Easy to pick, the green beans will grow up the bamboo 'stalks' you planted - a good time to share the jack and the bean stalk story, huh?!?

Trying several of these techniques will surely get your kid a little more interested in trying out their vegetables. So now that you have learned a few tricks of the trade, let me share with you just how great these green beans are for you.

Health Benefits of Green Beans:

Did you know that one serving of fresh green beans provides a whopping 25% of your vitamin K needs and is super important for maintaining strong bones? Vitamin K1 activates osteocalcin, the major non-collagen protein in bone. Osteocalcin anchors calcium molecules inside of the bone. Therefore, without enough vitamin K1, osteocalcin levels are inadequate, and bone mineralization is impaired. So if you are worried about Osteoporosis and Alzheimer's disease, green beans are a great natural helper in prevention. Vitamin K is also essential for blood to clot and it is a super green to eat for your heart - it really helps prevent plaque from building up on the walls of your arteries.

Green beans, while quite low in calories (just 43.75 calories in a whole cup), are loaded with enough nutrients to not only power up the Jolly Green Giant, but to put a big smile on his face. Green beans are an excellent source of vitamin C, vitamin K as mentioned and manganese.

Plus green beans are very good source of vitamin A (notably through their concentration of carotenoids including beta-carotene), dietary fiber, potassium, foliate, and iron. And, green beans are a good source of magnesium, thiamine, riboflavin, copper, calcium, phosphorous, protein, omega-3 fatty acids and niacin. So eat 'em up and help yourself and your family to stay healthy!

Selecting the right kind of green bean:

Available all year long at your grocery store, select only fresh green beans that are deep green and crunchy - pass up on them if they look dull, bruised and limp. Green beens are in season from summer through early fall when they are at their best and the least expensive.

Maybe you remember when you were a kid of having to pull the 'string' off of them while helping out your parent in preparing the dinner meal, most fresh green beans have now been grown so that this so-called 'string' is so thin you can now eat it, you do not have to pull the string (if you could find it), and in fact have been grown so that you may only have to snip off the ends if you want to before eating them up!

The recipe I share here is a nice twist on serving up green beans which will create a quick and easy side dish that will have people asking for seconds. The baby bella mushrooms help lower cholesterol while the onions are super good for your colon - just in case you wanted to know. One nice and easy thing also important to note in this recipe is that the green beans will keep their color, crispness and most importantly their vegetable nutrients.

Ingredients:

* 1 box of baby bella mushrooms

* 1 onion - minced/chopped fine (you may substitute with shallots)

* Green Beans, rinsed and tips removed

* Kosher salt and fresh cracked pepper.

* Olive oil and butter

* 1 clove garlic minced

* Skillet with lid

* 1 working stove top

* 2-3 tablespoons water

* 1 cup boiling water

* 1 bowl

Directions:

1. Boil water.

2. Place cleaned green beans into heat-safe bowl.

3. In skillet, place a little of the olive oil and add onions.

4. Let sweat for five minutes and add sliced mushrooms to skillet - and add 1 tablespoon butter to skillet.

5. Pour boiling water over green beans and let blanch for 4 minutes.

6. Strain all water off of green beans.

7. Add strained green beans and minced garlic to skillet and add salt and pepper to taste.

8. Add lid on top of skillet - checking in on it every so often, stirring it up a little bit.

9. Let saut a few minutes more - and add a fresh little dab of olive oil or butter and serve it up as your fave side dish.

10. Want to go all out? Add a little of toasted almonds to the dish on top.

So enjoy this different twist on making green beans which keeps them super green and crisped yet cooked and extra tasty with the sauteed mushrooms and onions. We all had seconds last night with this super side dish along with my backwards grilled shrimp and basmati rice oh so nice with shredded carrots. Divalisciously Yummy!

Leah Quinn is a writer specializing on food, health and entertainment and is a multi-media artist living in New York. Stop by her food site to learn many more healthy and interesting recipes at http://dinner-and-jam.blogspot.com and to find links to her many other sites and blogs.

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