If you are in business for yourself, you have probably already discovered that individual health insurance is extremely cost-prohibitive. You may think paying outrageous fees is your only option. Or even that you cant afford health coverage at all.What Are Health Savings Accounts?A Health Savings Account (HSA) is an insurance policy that was actually designed with the self-employed and the small business owner in mind. According to Mark Baker, HSA specialist for Golden Rule Insurance Company, an HSA is a higher deductible health insurance plan that is coupled with a tax advantage savings account.The difference between purchasing individual healthcare and investing in an HSA is similar to the difference between renting a home and buying one. If you rent, each month you write out a check to help your landlord pay off the home you are living in (and you dont even like him!). If you buy, you incur a higher cost up front with the deposit. But with every payment, you build equity.The Bad and Good: You start with a high deductible. Not an attractive feature but it gets better. Your high deductible results in significantly lower premiums. The money you save, you can keep tax-free in your HSA. When you encounter any kind of medical expense, you can use that tax-free money towards your deductible.How it works:Lets say youre in a car wreck and wind up getting saddled with tens of thousands of dollars in medical expenses. Even though your deductible with an HSA is high, say three thousand dollars, the money youve saved (tax free) in your HSA will likely cover it.When your deductible is met, your insurance takes over payments for its percentage of all your covered expenses. Every plan is different, but the most common scenario is that once your deductible is paid, you are covered for the remainder of the year.You can even use the pre-tax money in your account towards dental and vision expenses. Or out-of-pocket costs, like filling prescriptions.And as long as you have a Health Savings Account, that money remains tax-deferred in your account for any medical expenses you encounter. If you find at the end of the year you have not spent whats there, dont worryit rolls over. In fact, it can just sit there and earn interest until you do need it. According to Mr. Baker, his company is now paying a 4% interest rate on their clients HSAs. If you spent that same money on the premiums of a plan with a lower deductible; that would just be money down the drain.
The Bond that can come between a person and a dog can be extremely strong, especially if that bond had been strengthened living with each other for many years, I have personally cried after loosing our family dog that had been like a best friend to me from my birth till I as 15 years old, when he was hit by a car one morning. Dogs serve many different needs for people. Some people get a dog because they are lonely and need a loyal friend or because they want a dog to protect the home. A dog that is taken good care of and given attention to regularly will give his life to help protect his home and his owner. For the blind a dog can be a pair of eyes to help them get around and for the police a dog can be an important tool and a loyal partner, with a nose that nothing can beat.The first thing you need to know about taking care of a dog is that dogs need lots of exercise. This is the same for large dogs and small dogs. All dogs need to be let out at least once every 8 hours and should given at least a 20 minute walk to give the dog some fresh air, exercise and a chance to relieve themselves.It is also important to play with the dog on a regular basis. This can mean going to the park on a weekend or day off and having a good game of fetch, tossing the ball around in your back yard or just wrestling on the ground with the dog, just make sure if you are ruff housing with a little dog that you dont accidentally hurt the dog. Playing with the dog for a half hour a day, is not only good for the dogs physical health but a dig that is played with regularly is mentally healthier and less likely to become a depressed dog, it also lowers your blood pressure as well and it will form an unbreakable bond between you and your pooch, which will extend to your family if you should start having one after having the dog.What you feed your dog is very important to the dogs continued good health. The better dog foods will be marked for what are groups the food is appropriate for. Younger dogs need certain vitamins and minerals in larger amounts then an adult dog, and the same goes for an elderly dog they need more calcium in their food to help protect their bones and joints. Feeding your dog the wrong food can stunt the dog's growth and opens the dog to a larger risk of surgery when they are older.Just like a person a dog should be taken to the veterinarian's office every 6 months, and must receive their shots every year. Regular checkups and vaccinations will also help assure that your dog grows to be an old happy dog.
What can drive someone to insanity? Certainly, insanity is something that is commonly understood (or misunderstood) and usually carries some sort of stigma in the popular consciousness. If you believe in modern psychology and psychiatry, there are literally thousands of forms of insanity that a person can end up developing over a lifetime. Some of them, like depression, are temporary, while others, like social anxiety, require more work for a person to get through. However, there appears to be some commonality as to what actually brings about most of the forms of insanity that people go through. Which brings the question to bear: is there a common, underlying trigger that compromises the stability of a person's mental health?Things like stress and anxiety are often cited, as most of the common (and several uncommon) "mental health" issues are triggered by one of the two. Continued exposure to stress can eventually push someone beyond their breaking point, with the form of insanity afterwards being affected by external factors. This is often a long, strenuous process because most people have some level of resistance to such things, allowing them to at least survive the stressful period with their sanity intact. Additionally, the process may not even really result in insanity, with most of the population serving as proof of this theory. Prolonged stress can affect a person's behavior and outlook, but it is also known that several other factors can increase or reduce the impact of this. In some cases, "stress and anxiety" can merely even have the opposite effect, depending on the person's personal outlook.Emotions are also said to play a critical role in driving or pushing people into insanity, with feelings being so closely tied to mental health. A person's emotional state can often be a reflection of a person's relative state of mental stability, but may also become an effect of fractured sanity. There is no doubting that emotions can disrupt and affect a person's thought processes and make them do things that they normally would not do. It has also been noted that extremely emotional situations and heavy emotional trauma can permanently affect a person's mind, often resulting in a condition that requires therapy to eventually overcome. However, it is rather arguable that emotions are merely augmenting the effects of stress and pressure, not a factor in itself.Trauma is also frequently cited as having drastic effects on a person's sanity, particularly if it occurs during the formative years. The extreme psychological and emotional impact that trauma victims have to endure can often force some past the breaking point, having permanent effects on their mental health. However, it should be noted that trauma tends to be little more than a combination of stressful and emotional factors, usually mixed in with extreme circumstances. The vulnerability of the person's psyche plays a larger role here than in other potential causes of insanity, which explains why trauma encountered later on in life does not have the same general effect as similar events encountered during childhood.Ultimately, insanity is something that, like sanity, must be defined on an individual basis. What is sane for one person in a given society may not be considered such by a different person within the same society. Insanity is a matter of context in this case, which is the assumption that some psychological texts make.
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Moles can turn into cancerous melanomas so it's important you check your moles regularly and talk to your doctor if there is any sign of danger.Follow this 4 step, A-B-C-D, guide when checking your moles and if any of the points are true, be sure to take appropriate action.Asymmetry: If one half of the mole does not match the other half. A mole or birthmark that has skin growth which increases in size should be examined by a doctor.Border: If the edge of the mole is ragged, notched or blurred. Moles with skin cancer may have uneven borders.Color: If the mole is a mix of brown, black and tan rather than an even color you should ensure it is looked at by a doctor. A mole that appears red or blue should also be cause for concern.Diameter: If the mole is larger than a pencil eraser (6 mm). An important sign of melanoma is a change in size.Check your body thoroughly at least every three months and if you have quite a few moles be sure to keep an eye on any changes. If any of your moles stand out from the others or if a mole starts bleeding for no apparent reason you should always consult your doctor.The good news is that there is a lot you can do to protect yourself from skin cancer, or to catch it early enough so that it can be treated effectively, so make sure you check yourself thoroughly and often.