The Pros And Cons Of Drug Treatment Centers

POSTED BY on Jul 11 under Uncategorized

If you have a substance abuse problem or drug addiction that is impacting your life, or the lives of your loved ones, you must find treatment immediately. And while there is no doubt about the urgency of getting into drug addiction treatment, it is also important not to jump head first into a program that might not be appropriate for you.

Here are some valuable tips that will help you expedite the situation, make the right decisions, and most importantly, get your life back on track and drug-free.

Tips for Getting Drug Addiction Treatment

Tip #1: YES, if you understand the Different Types of Treatment Programs

Drug addiction treatment programs can be a different as snowflakes. And since finding the one that best meets your treatment needs is a crucial part of getting well, you are well served to learn about the options in your area. For example, know the difference between residential and outpatient drug addiction treatment. Residential drug rehab programs have you moving into the facility for several weeks so that you can focus entirely on your recovery – all while under the supervision of caring rehab professionals. Outpatient programs provide a little more flexibility, as patients attend rehab programs during the day but then return home in the evening.

Also, some addiction treatment facilities focus on personal wellness as a component of their process. These treatment plans may include holistic care such as yoga or meditation that enhances the spirit of the individual – thus putting them in a “better place” to achieve recovery.

Tip #2: Prepare Yourself Mentally for Treatment

Don’t be intimidated. We don’t mean that you have to study for addiction treatment like it was a college final, but rather that you should arrive with a great mental attitude from Day One of your treatment. That means understanding the challenges you will be facing during drug addiction treatment and keeping your goals at the forefront of your mind at all times. Ask any addiction treatment professional and they will tell you that those who come in with a positive mental attitude about their recovery are the ones who achieve the most during treatment.

Tip #3: Don’t Put Yourself in a Position to Fail

When drug rehab is complete (or during drug rehab if you are involved in an outpatient program) you need to do everything in your power to avoid potentially dangerous situations that can lead to relapse. That means steering clear of old friends, old neighborhoods and old habits that used to lead to drug use. Exercise, career or school are all positive activities than replace the drug-oriented behaviors which used to dominate the life of the recovering addict.

Michael’s House is a residential alcohol and drug treatment facility that combines cutting edge treatment styles with traditional wellness in order to insure that the mind, body and spirit of the individual are all given equal attention. If you or someone you love is struggling with drug addiction and needs help, contact Michael’s House today.

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Buying in amazon

POSTED BY on May 23 under Uncategorized

With total 2010 revenue of $34 billion dollars and net income of just over $1 billion, it is safe to say that Amazon.com is one of the most popular websites on the planet. It is hard to beat a website that sells just about anything a consumer could imagine, and the best part about their layout is that you can compare the prices of rival customers’ right there next to Amazon’s. If another website sells the item for less money Amazon.com does not try to convince you to buy their product, which is truly rare in any type of sales much less dealing with the technology of online purchases.

That alone may not have you reaching for your wallets just yet, but that is because we’ve barely scratched the surface of the savings and convenience Amazon offers. Here are a few more of them:

1) Global Rankings

Let’s say that you’re on the market for a new spatula for your kitchen, but you’ve held off buying one because you’re searching for the absolute best spatula ever made. Now, if you visit a specialty store (if one even exists for spatulas) a salesman will grab his most expensive model and say, “This is truly the best spatula you will ever see.” The problem with this is who knows if the sales clerk is telling the truth or not, or how much commission they stand to make from lying to you.

On Amazon, when you search for an item there are many different customizations for that will help eliminate products that have no interest to you. As soon as you click on the item you will see how many units of that particular model have sold this year, how popular it is within its category, and what customers who looked at that item ultimately bought.

2) Customer Reviews

Going back to the spatula example for a moment, let’s say you could walk into a store where there are thousands of customers lined up to answer any question that could possibly cross your mind about which spatula is the best. Each of those consumers have personally bought every spatula ever created so they know firsthand how well each of them work, and if the spatula you’re looking at is lousy they’re not afraid for a second to say it. Wouldn’t this be the ultimate way to shop?

Well, that’s exactly what Amazon.com gives you, because there are hundreds of thousands of customer reviews giving an unbiased opinion of almost every item on their website. Many smart consumers never even bother to read what the manufacturer has to say about their product anymore because they realize that the business behind the product will say just about anything to convince you to buy it. Amazon customer reviews eliminate all of that deceit and headache, so you can quickly find exactly what you are looking for by learning from others.

3) Buying Power

Let’s say you run down to Joe’s Spatula Emporium and see that his top of the line super-spatula is $29.95. Now, Joe has six of those great tools in stock and he probably will not buy anymore until all of them are sold. When Amazon bought that exact same spatula, they purchased thousands of them and they likely reorder as they are depleted from their inventory. Which place do you think the super-spatula manufacturer gives the better prices to?

This type of concept is why the big stores around the world continue to get bigger, and Amazon.com is definitely no exception. Their prices are nearly unbeatable because they receive inventory by the truckloads every single day and few places on Earth can match their purchasing power. If they do not personally stock the item, they find out which stores have the largest purchasing power for it and they sponsor them on their website.

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Growing Your Life Insurance Business

POSTED BY on Jan 7 under Uncategorized

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The Investigation Into the Life Insurance Business

POSTED BY on Dec 31 under Uncategorized

The marked depreciation of urban real estate, farm lands, and bond values called for the rearrangement of the investment portfolio of Metropolitan Life Insurance Company.

President Ecker, with his long and varied experience in this field, addressed himself to the solution of this problem, made particularly difficult by the continued decline in opportunities for the profitable investment of insurance funds. Money was accumulating in the treasury because it was almost impossible to find proper investment channels.

Under these conditions and with a consciousness of civic responsibility, Mr. Ecker turned his attention to the field of moderate rental housing. At the age of 70 he launched a building program unprecedented in social character and magnitude, to provide homes for persons of medium income in New York City.

He located a large tract in The Bronx, guided the planning of adequate buildings and services, and saw step by step the fulfillment of his hopes in the completion of a model community, Parkchester. By the early 1920’s, 36,000 people lived there, a splendid contribution to the moderate priced housing program of the city and the Nation.

Similar housing developments were undertaken under Mr. Ecker’s direction both in San Francisco and Los Angeles, and later in Alexandria, Va. Such building programs, without precedent in the United States for a private company, were recognized by national and private agencies as an important contribution to the housing problem in the period of war emergency.

At the same time, they served as an excellent investment field for the company. During the period of financial depression there were criticisms of every business; and the business of life insurance, homeowner’s insurance, and even automobile insurance in general and the Metropolitan specifically were not exempt.

Notwithstanding the splendid record of the major companies, various movements for investigating the life insurance business and health insurance providers were initiated in Washington. In 1938 the Congress of the United States responded to a message from President Roosevelt and included among the subjects to be investigated by the Temporary National Economic Committee certain investment phases of the business of life insurance.

The investigation was assigned to the newly created Securities and Exchange Commission. Those responsible for gathering evidence to submit to the T.N.E.C. lost no opportunity to seek out material for criticism in the business and directed much of their attention to the Metropolitan. The company took a firm stand in behalf of its policyholders and presented voluminous documentary evidence to show that it had conducted its many activities in the public interest, and that its size had not involved any abuse of economic; that its position as investor of trustee funds as prescribed by Statute precluded such power.

Nor had its size interfered with its effectiveness as a social organization. In fact, the company had increased in initiative and in service as it had grown. After the conclusion of the hearings, the comment of the Chairman of the T.N.E.C. was that the life insurance business had come through with flying colors.

The failure of the effort to find serious fault with the administration of life insurance in general is best evidenced by the character of the recommendations which were made by the Temporary National Economic Committee. These, for the most part, had to do with a number of suggestions as to modifications in the practice of State supervision. The impression made on the public by these hearings is to be measured by the fact that, during their progress and after their close, the amount of new insurance written by the companies and the lapse rate were exceedingly satisfactory.

This was particularly marked in the case of the Metropolitan, which in 1941 reached the total of more than $25,000,000,000 of insurance in force, issued more business in both the Ordinary and Industrial Departments than in several years past, and achieved in both departments the lowest lapse rates on record.

But if the insurance companies came through this Federal and other investigations unscathed, it must not be supposed that this business has been without its trials and tribulations. No human institution has ever sprung into perfection, like Athena from the head of Zeus; and the life insurance business has had its growing pains.

Early last century, life insurance companies and private health insurance, including the Metropolitan, were launched as purely competitive business ventures with the profit motive well in the foreground, entirely in keeping with the aggressive, individualistic spirit of the times. Naturally, contracts at the beginning were not as liberal as they are today. Agents frequently were poorly trained and did not fully measure up to the responsibility of their calling. As a result, insurance was sometimes written in amounts disproportionate to the family income, haphazardly distributed, causing high lapse rates and excessive expense and loss.

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How To Keep The Weight Off Once You’ve Lost It

POSTED BY on Dec 24 under Uncategorized

If you are trying to lose some unwanted body fat or if you have reached your weight loss objectives, how do you stop putting on weight in the long-term? You now have healthy diet and have exercised to lose weight, and you look and feel good. The difficult bit now is to avoid weight gain by returning to bad habits and putting all the weight back on.

There are a few effective strategies which can help you maintain your new figure and help you stop putting on weight. They are easy to implement and provide a lifetime of benefits.

How To Stop Putting On The Pounds.

If conscious behaviors are carried out regularly enough, they become unconscious behaviors as time passes. If you take conscious control of your daily life you can avoid weight gain and not return to your unhealthy habits. If you have lost excess weight, remind yourself why you feel so good about the way you look and feel now.

Then write down why you lost weight to start with. Perhaps it was because of the health problems associated with being overweight? Or was it because you did not like the way you looked? When your reasons are big enough, it will stop you from sliding back into your old habits which lead to bad results. When you jot down your reasons, keep them somewhere where you can see them everyday.

Be Kind To Yourself To Avoid Weight Gain.

If you are having a tough time trying to stop putting on weight by not sticking with your health and exercise habits, don’t beat yourself up. Malena Perdomo, RD, is a spokesperson for the American Dietetic Association, and she says that it is sometimes more difficult to maintain weight loss and fitness than it was to achieve your goals.

Our busy, fast-paced lives and constantly changing family and work schedules can throw out healthy new habits. If you recognize the occasions when you slip up, and don’t be too hard on yourself. Feeling down about returning to bad health habits can lead to depression and anxiety, which can cause poor health and even more bad habits in the form of binge eating.

The next time you are reaching for some comfort food, ask yourself if you are really hungry, or if you are in search of an emotional snack. Remember the quickest way to revert to old bad habits is by totally depriving yourself of your favorite foods and not just only eating foods that prevent weight gain. Reward your weight loss and new figure periodically with treats and desserts and you will find it easier to stick to the fitness and weight loss program which helped you to stop putting on weight in the first place.

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Understanding The Roles Of Agents And Brokers In The Life Insurance Business

POSTED BY on Dec 17 under Uncategorized

Due to the implications of the cover, life insurance marketers often couch their marketing under plenty of innuendo and implicit suggestions. While there are no shortage of media campaigns and promotions carried out by players, still many providers realize that many clients are unlikely to buy a life cover from an impulse but will rather make the purchase following a rational decision. This is why most of their marketing efforts are directed through intermediaries such as agents and brokers.

Life insurance companies make use of agents extensively to guarantee that their products get noticed in a competitive market. Insurance agents are company employees working for a specific provider and often undergo extensive training to attain proficiency in the product they are touting. They usually have a specific salary package but are also paid commissions based on their individual sales.

An insurance agent has certain obligations to the client before and after the policy is signed. They have to provide the client with the correct information, take the instructions and perform a needs analysis depending on the information pertaining to the client and the product they are interested in. They should also help the client select the right product, file the paperwork and monitor progress until the policy is issued.

After the policy has been issued, the agent should keep in contact with the client for any needs they may have in the duration of the cover. They should assist in making any changes that may be required in the policy and help deal with their customer queries. If and when the claims are made, the agent is there to assist in lodging and settling them.

Unlike agents, insurance brokers are not contractually obliged to work for only one company. They are also not given a standing salary but have to depend solely on the commissions they earn from policy sales. They run their own offices and are responsible of meeting the costs of their own administrative support.

Whether to use an agent or a broker in securing a life policy is a matter of personal choice. Using an agent is usually the path preferred by those who are in touch with happenings in the industry and are therefore confident about the suitability of a specific life insurance provider in comparison to others. Brokers are the preferred choice of those who are more out of touch with happenings in the industry as they are likelier to give you a more objective choice of different products.

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Waiting Periods in the Life Insurance Business

POSTED BY on Dec 9 under Uncategorized

People who often are beneficiaries of claims by policyholders need to know some of the facts about filing claims so that they do not hit a dead-end while doing so. First, you need to understand the terms and conditions by which the policyholder agreed to sign in to an agreement with the insurance company. Too many people either have lost money left over by their deceased or have filed claims to insurance companies with zero results.

The first thing that you need to do, both as the policyholder and the beneficiary is to go through the terms and conditions of the policy, understanding the fine print with the help of an agent or a representative of the company. It may not be a bed of roses to come to such a meeting, but it will help you clear the air and assist you file a claim easily.

That said, there are 2 waiting periods that you need to take into account while dealing with an insurance policy, and this article discusses it in a short and precise manner.

Contestable waiting period in a simplified life policy:

The first of these periods starts once you file claims for a person’s death if he had signed in for such a claim as the simplified life policy. A 2-year period is given to the company to investigate the information that the policyholder gave, in case he took a term life insurance no medical exam cover. In this time as well, the company is mandated the responsibility of finding out the exact cause of death of the holder, and should contest a claim once an anomaly is detected. If the person was seen to have committed suicide, the company holds the right to deny any the claim to the family or the beneficiary.

Guaranteed issue policy waiting period:

Another waiting period is the one mentioned above. This type of policy is generally issued for those customers who are unqualified for the fully underwritten insurance policies that we have today. This can happen for various reasons. However, if someone acquires such a cover and dies within the first 2 years that the policy covers, there will not be any benefit given to the beneficiaries. However, the premiums paid will be given in full with the interests incurred. This of course will be done once an investigation is done about the cause of death of the policyholder. This also takes some time.

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