10 Tips For Instant Energy

Tired all the time? Has your get up and go got up and left? These tips could help you feel invigorated.

1. Switch To Green Tea: Shun your morning coffee and switch to green tea instead. It contains half the amount of caffeine of an average sized cappuccino and yet laboratory studies have found that it still increases mental alertness. Not only that, studies suggest that green tea can slow the growth of some cancers, aid weight loss and lower cholesterol levels too. Fantastic!

2. Beat The Mid Afternoon Slump: It’s tempting to reach for something sugary as energy drops. However, when your blood-sugar level rises rapidly, your pancreas responds by releasing a large dose of insulin – which will plunge you into an energy slump. Instead, try eating a banana or a handful of nuts for slow-release energy.
3. Flirt: most of us feel like we’ve no energy for romance and sex, but imagine you’re in your sitting room and walks in. Your heart starts to pound and, miraculously, that energy is there. Scientists reckon you can reproduce those feelings by flirting with your partner. Need a little help? Change your routine, wear different clothes and pretend he’s a film star.

4. Use Your Nose: Research has shown that the scent of lavender increases alertness and brain function. In the US, a group of students were given maths tests before and after lavender aromatherapy – the group completed the tests faster and more accurately afterwards. When you feel yourself drooping, put a few drops on a tissue for a boost.

5. Wear Bright Colors: this really does work. According to research in Canada, looking at red increases your heart rate, blue sparks creativity and yellow makes you feel alert and attentive. In if this seems a claim too far, simply wearing bright colours means people will react to you in a more upbeat way, boosting your mood and improving confidence and self-esteem.

6. Drink More Water: Yes, you’ve heard it a hundred times before, but dehydration really a sinister cause of exhaustion because it creeps up on you and you don’t always feel thirsty the minute your system needs more water. You don’t have to drink ridiculous amounts, but keep yourself topped up with two or three glasses on top of tea and coffee throughout the day.

7. Get Your Posture Right: slouching doesn’t just make you look tired, it creates the feeling as well. When the joints aren’t aligned properly, the body was to work so much harder, your head should always be lined up over your body, so your ears are directly over your shoulders.

8. Get Organized: There’s nothing more energy sapping then piles of washing, a messy desk and spending hours trying to find your keys/glasses/ purse. Get organized and watch your energy levels soar. Declutter, find storage for things and choose a regular place for your keys and glasses. Keep on top of housework and do it in regular bursts.

9. Take A Mini Holiday: You don’t need a fortnight a Majorca to recharge your batteries. It can take as little as a day. Fritter it away reading, going for walks, wandering around museums and eating lovely food, and make sure you do no work or chores. Sound blissful? Part of the trick is breaking routine and escaping deadlines. Try it and see how your energy levels rise.

10. Take Power Naps: But make sure you do it in a chair don’t lie down or you might not get up! You can’t do this at work, but on days off or weekends, give yourself a boost. Power naps are best at around 11.30am and 2.30pm, when energy drops. Keep it short – 10 to 15 minutes is perfect.

10 Myths Of Homeopathy That Most People Do Not Know

Homeopathy is the second most popular medicine in the world. However, most people really do not know too much about Homeopathy. This article will help clear up some misconceptions associated with homeopathic medicine.

1) Homeopathic medicines are nothing more than sugar pill that contain no measurable substance.

Certain homeopathic medicines have no measurable substance. However, many remedies do have measurable substances. In medicine that is 24X or 12C has no measurable substance. However, some medicine potencies such as 6X, 6C, 12X will have a measurable substance.

2) Homeopathy has never been successful in large scale well designed trials. Trials have only worked when homeopaths were doing the trials or poorly designed trials with quite a bit of author’s bias.

Trials in Homeopathy is a very mixed bag. Sometimes people are looking at the wrong information source. Many skeptics will take successful trials and point out that when looking at larger trials in the study, homeopathy does not seem to work. Although, the conclusions of the authors were that homeopathy seems to works better than a placebo.

However, some trials that were successful were fairly large. Oscillococcinum trials were quite large and well designed but still yielded a positive result in shortening the flu duration. Similar studies with Osccillococcinum were replicated as well. The idea that homeopathic remedies have never been successful in a large scale well designed trial is not true.

3) Homeopathy should not be used to treat life threatening diseases.

Homeopathy can treat life threatening diseases with the help of a well trained homeopathic physician. Also, the general medical doctor and other specialists involved in treating the disease should be included on the treatment plan. Medical doctors should always be seen if you have a life threatening illness. Homeopathy can not cure all life threatening diseases.

Many people with life threatening diseases have faired well with Homeopathy. Homeopathy malaria trials show that in trials that homeopathic medicine worked as well as conventional medicine in treating people with malaria.

4) Homeopathy and modern medicine can not work together

Homeopathy can be quite complementary to modern medicine.Many patients under going chemotherapy have seen their side effects reduced when taking homeopathic remedies. Trials with reduction of cancer treatments provided encouraging results.

5) Homeopathy, Herbal, and Ayurvedic medicine are similar.

Homeopathy, Herbal and Ayurvedic are forms of alternative medicine but these forms of medicine are not similar in any other way. Homeopathy use diluted substances to treat patients. Every medicine has been diluted in water or alcohol.

Herbal medicine is medicine based on the use of plants. Ayurvedic is an ancient system of medicine started in India that operates with the theory that all materials of vegetable, animal, and mineral origin have some medicinal value.

Ayurvedic use these materials to treat patients. Ayurvedic and homeopathic medicines are used quite a bit in India so that creates some confusion in people thinking they are the same thing.

6) Homeopathy is slow to work

Acute conditions such as flu, colds, motion sickness and pain relief can be treated quickly using homeopathic medicines. Chronic conditions are slow to work because they are complicated to treat. Chronic conditions would be acne, eczema, irritable bowel syndrome and other conditions will take longer to treat.

7) Homeopathy is only for human use.

Actually, petmeds is one of the fastest growing use of homeopathic products. Homeopathy offers a safe and inexpensive way to treat your pet of acute conditions such as allergies, anxiety and joint stress relief.

8) You can get a book on Homeopathy and treat yourself.

This may be the case in acute conditions such as cold and flu. However, more complicated and chronic cases will require you to see a homeopathic doctor. Chronic cases involve generally taking quite a few remedies in the course of a treatment. A book can not tell you which homeopathic remedies to take and how much to take when your condition starts to improve or worsen.

9) Homeopathic remedies are not widely available.

This may have been true a few years ago. However, many remedies can be found pretty much all over the US. Walmart, CVS Pharmacy, Target and larger retailers carry combination homeopathic remedies for acute conditions such as cold and flu and insomnia.

Single remedies which homeopaths claim to work the best are not as readily available. These remedies can be found in health food stores, natural pharmacies or on the Internet. They are more specialized and generally most people taking simgle remedies have some homeopathic knowledge or a doctor has prescribed that medicine.

10) All homeopathic remedies work the same on all people.

Homeopathy works different on different people. Classical homeopathy treats different individuals with different remedies according to their personality type. One person may use one remedy to treat a illness, while another person would use a different remedy to treat the same illness.

Homeopathy assumes everyone is different so using the same remedy to treat everyone will not work according to Classical Homeopathy principals. Modern medicine generally gives everyone the same medicine for general conditions.

Health Insurance Explained In Plain English

Understanding health insurance and the health industry is much easier if you recognize some of the basic terminology and how it applies to you and your health insurance policy. If you have a health insurance plan and aren’t sure how it works or what the terminology means, take a few minutes to read the explanations below. Knowing these terms and what they mean to you can greatly aid you in dealing with your health care providers, insurance company, insurance agent, or during the health benefits shopping process.

Benefit Year
This is the 12-month period in which your benefits are calculated. Most insurance companies use a CALENDAR year, which is January 1 to December 31, but a few will use a 12 month period from when your policy goes into effect. For example, if your insurance goes into effect on June 1, the END of your benefit year is May 31. Make sure that you understand how your benefit year will be calculated.

Deductible
Deductible means the amount of money you must pay out of your pocket for medical expenses EACH YEAR before your health insurance begins paying out. Deductibles are usually reset to 0 at the beginning of each calendar or benefit year. Many insurance companies offer health plans that have benefits that are not subject to having to meet your deductible each year such as doctors office visits, immunizations, wellness or routine exams, etc. An easy way to remember what this term means and how it works is this:

When you have incurred medical expenses, all bills must be sent to the insurance company. When the insurance company looks at your bills, they then look at your policy and see how things are covered. They will then add up what the combined medical expenses have been for the year to date: determine what your deductible is and how much you have already paid towards meeting your deductible for the year, and pay out according to how your insurance policy says it will.

So in a nutshell, the insurance company is “deducting” your financial responsibility for medical expenses each year from the total combined medical expenses before they have any responsibility to pay out…hence the term “deductible”.

Co-Pay
A co-pay is an amount that is paid by the patient to a provider at the time of service. It will either be a flat fee (like $15 or $20) or it can be a percentage of the service provided. The percentages or fee may vary depending on the type of service provided. A co-pay is different than “coinsurance” – see next.

Coinsurance
Coinsurance is the percentage paid by the insurance company after you pay the deductible. Example: Your health insurance pays 70%, you pay 30%. The insurance company pays 70% coinsurance, you pay 30% coinsurance. Most health insurance policies will have a limit on the amount of coinsurance you have to pay out each year this is known as your “Annual Coinsurance Maximum” or “Stop-loss”.

Annual Coinsurance Maximum
After paying your deductible and after paying your coinsurance (classically 20% or 30% of medical expenses) to a certain dollar amount, your health insurance will pay 100% for the remaining costs in the calendar year. Example: After you pay your deductible, your health insurance pays 70% of medical expenses and you pay 30%. Once you reach the coinsurance maximum, you no longer pay 30% of the medical expenses because the insurance pays 100%.

Out of Pocket Maximum or Stop Loss
Stop Loss is the maximum amount of money you will have to pay out of your pocket in the benefit year.

Lifetime Maximum
This is the limit of the money the health insurance will pay out over your lifetime. Most major medical health insurance policies will be a $2 million lifetime maximum, while others will go as high as a $12 million lifetime maximum. In general, it is not recommended to have a policy with less than a $2 million lifetime maximum.

Office Visits
When you visit a doctor in their office they normally bill the health insurance company for an “office visit.” Most health insurance plans pay office visit expenses at the coinsurance (generally 70% or 80%) after the deductible. Some health insurance plans pay office visit expenses at the coinsurance rate but waive the deductible, which means you don’t have to reach the deductible amount before they will cover their portion of the expense. Still other health insurance plans pay office visit expenses in full after a co-pay (usually $25 or $30). It should also be noted that office visits can be classified in two different categories. One category is usually called “Routine Care,” “Wellness visits” or “Preventative care” (see definition below). The other type of office visit is deemed as “Medically Necessary” (see definition below). Certain health insurance policies cover each of these types of visits differently and other plans do not cover them at all. If having these types of office visits covered by your health insurance policy is important to you, make sure you let your agent know so that they can help find the right plan for you.

Preventive Care
Preventive Care is classically defined as routine exams, immunizations, well child care, and cancer screenings. These include your yearly exams and checkups for things such as physicals, pap smears, mammograms, etc. Not all plans cover preventive care. It may not be a wise use of your money to have preventative care included in your plan if you never go to the doctor. A good health insurance agent can help you determine if this is necessary coverage for you.

Medically Necessary
These are the visits utilized for your smaller ailments such as colds, flu, ear infections or minor accidents. Not all plans cover ‘medically necessary’ visits, so make sure you know if your policy includes these exams if you need them covered. You may consider purchasing accident insurance or adding a rider (explained below) to your policy to cover these types of issues.

Diagnostic Lab and X-Ray
These are tests involving laboratory or imaging services (such as x-ray, CAT scan, etc.) to diagnose a health problem. These services are usually paid at the coinsurance (typically 70% or 80%) after the deductible.

Chiropractic Care
When you visit a chiropractor for spinal manipulation or other services, these expenses are customarily paid at the coinsurance rate (70% or 80%) either after the deductible is met, or by waiving the deductible. Most health insurance plans limit the number of chiropractic visits/services to 10 or 12 per year – especially if the deductible is waived. After this, additional visits are not paid by the health insurance plan, and you will be responsible for the full amount of the bill.

Inpatient or Outpatient Care
When you receive care from a hospital (inpatient or outpatient services), these expenses are customarily paid at the coinsurance rate (70% or 80%) after the deductible has been met.

Emergency Room
When you receive care from a hospital emergency room, these expenses are customarily paid at the coinsurance level (70% or 80%) after the deductible. Most health insurance plans also require you to pay an additional co-pay (commonly $75-$100) for each emergency room visit. A number of plans waive this additional co-pay if you are actually admitted to the hospital through the emergency room and the plan will pay as an inpatient service. A plan can sometimes be structured to have separate coverage for accidents as an additional rider (see definition below) to your policy.

Prescription Medications
Prescription medications can be classified as generic, brand name, or non-preferred brand name (see below for definitions). Please Note: Not all health insurance plans pay for prescription drugs, so if you already take prescription drugs or think you will need help in the future with prescription drugs, you will want to make sure that you are purchasing a plan that includes this coverage. Prescription drugs may be covered at the coinsurance rate (70-80%) after a deductible specifically for prescription drugs is met, other plans may include Prescription drugs in the total deductible for the plan.

Generic Medications
Drug manufacturers are permitted to sell a generic version of a medication after the patent expires for the brand name medication (generally 20 years after the brand name medication was registered). Generic medications are equivalent to the corresponding brand name medication, but are much less expensive than the brand name medication. Health insurance plans frequently provide better payment for generic medications as an incentive for you to ask for the generic version. About half of all prescription medications filled in the United States are filled with generic medications.

Brand Name Medications
Brand name medications are more expensive than generic medications. Most health insurance plans create a limited list of brand name medications that they will pay for and many health insurance plans also provide less coverage for brand name medications than for their generic counterparts.

Non-Preferred Brand Name Medications
Most health insurance plans create a limited list of brand name medications they will pay for. If your brand name medication is not on this list, it might be paid at a lower level under “Non-Preferred Brand Name Medications.”

Maternity
Some health insurance plans cover the cost of maternity, which includes doctor and hospital charges for prenatal care as well as labor and delivery. Maternity is expensive to add into a health insurance policy because it is considered a “guaranteed expense” for the insurance company. If a woman becomes pregnant, it is a safe bet that there is going to be medical expenses incurred! If there are no complications and the birth goes well, the insurance company will be out a large monetary portion of the cost of delivery and even more if there are problems with the delivery or the newborn. Insurance companies price maternity so that they can still maintain profits. In some cases it may be best to save your money and pay for the prenatal care and the delivery out of your own pocket (or on a credit card) and let the insurance cover the catastrophic events. The difference you save in the monthly cost of having maternity coverage may be well worth it to you. Remember, once you have a policy that covers maternity, you can’t just remove the maternity coverage after the pregnancy is done! You will continue to pay for that maternity coverage for as long as you have that policy.

Mammography
Mammography is a specific type of imaging that uses a low-dose x-ray system for the examination of breasts to detect early breast cancer in women experiencing no symptoms and to detect and diagnose breast disease in women experiencing symptoms. Current guidelines from the American Cancer Society (ACS), and the American Medical Association (AMA) recommend a screening mammography every year for women, beginning at age 40. Various plans will have automatic coverage for mammograms but some will not. Several states (like Washington State, for example) have specific guidelines that require companies to have coverage for mammograms in their policies as an automatic benefit.

Mental Health
Outpatient mental health services include visits to a licensed counselor, therapist, or psychiatrist. Inpatient mental health services include admission to a psychiatric hospital. Many plans do not cover mental health services.

Rehabilitation Therapy
Rehabilitation therapy may include physical therapy, occupational therapy, speech therapy, message therapy, cardiac rehabilitation, and chronic pain therapy. Most health insurance plans limit rehabilitation therapy to a certain number of visits per calendar year or to a certain dollar amount that they will pay for rehabilitation for either the year or for a lifetime.

Rider
Anything that changes the way your policy acts by default is called a “Rider”. A rider can be anything from an exclusion of coverage for a medical condition, or additional coverage for potential conditions. (As in an “accident rider” mentioned earlier in this report)

Occupational Coverage/On the job coverage
The largest portion of health insurance plans do not cover occupational related medical expenses. This can be a HUGE pitfall for self employed people. Always make sure that if you need to be covered while you are working that your plan will give you “on the job coverage”. If you get injured or sick while you are on the job and you do not have Workman’s Compensation or Labor and Industries accident coverage, you may have to pay for ALL medical expenses out of your own pocket.

Vision Coverage
Vision coverage is usually broken into two parts: vision exam, and vision hardware. Vision exam benefits include the cost of a refractive exam used to test vision acuity (20/20, 20/40, etc.). Vision hardware represents the cost of eye glasses or contact lenses. A number of health insurance plans do not cover vision exams or hardware. However, medical issues relating to the health of the eye (like Glaucoma) are almost always covered under the regular medical portion of the health insurance plan.

Doctor Directory
Each insurance company will have a list of doctors that the company has negotiated terms for payment of services with. You can go to the insurance company’s website to find a listing of contracted “preferred providers”.

This information may help you understand a policy that you already have, or aid you in understanding a policy that you may be thinking about purchasing. The more knowledge you have about what the industry “jargon” means, the more you will be able to make informed decisions about the insurance you choose to use.

By: Shad Woodman