Price To Pay For Child Life Insurance

In shopping around for child life insurance policies, many parents are not driven by the commonly assumed notion of paying for medical bills and funeral expenses. Although nothing is as devastating as a child dying before a parent, many choose not to dwell in the doom and gloom as there is much to look forward to other than disease and death.

Insurance costs are in accordance with the insured party’s well-being. As such, a healthy individual is able to secure a cheaper policy than one ridden with ailments and life’s harsh experiences. If one is really interested into securing insurance for his child, it is timely to do so when the child is strong and healthy, possessing no obvious signs of health risks in the near future.

Although term policies last for only a certain period, investing more to insure a child’s whole life is also available. Upon signing up, the young individual is taken care of until the end of his earthly life. If one contracts an ailment in his matured years or opts for an occupation which puts his or her life at constant risk, the cost of this type of child life insurance policy remains unchanged. It is also more flexible as it allows the insured to borrow against its present value whilst its cash value continues to grow until termination by death or cancellation by choice.

Keeping up with insurance payments are an additional burden to the family’s present expenses. Unless the child happens to have a steady stream of income, most parents slice up their salaries to pay for various financial commitments. Those earning a meager income thus favor the option of opening a savings account as a means to insure a child. Deposit amounts and schedules can vary depending on circumstances thus avoiding any risk of defaulting on monthly payments for insurance premiums and breaching the terms of the policy.

The Empty Suitcase

It was a typical day in my life. I went to my storage unit to retrieve a suitcase for my husbands impending business trip. I reached above my head to pull down what I thought was an empty suitcase and then it happened.

The suitcase was full of things much to my dismay. This mistake sent me on a physical rehabilitation journey. At the time little did I know this is exactly what I needed to make me stop and reflect on my life.

When I was recovering from my injury I had time to think. I was thinking of my adult child who blamed me for her life. I was thinking about all my failures as a young parent. I was thinking about how my immaturity may have hurt my children growing up.

I was convinced that everything my adult children did that was not in their best interest was my fault. It must be because I made so many mistakes I could not count. I did keep a roof over the heads and food in their mouth.

I didn’t call them in sick to school and I wouldn’t let them skip school. I thought that having a clean room was right up there with determining whether you succeed or fail in life.

I was a fallen christian, a damaged human being who was not good enough for her own children. At twenty years old and divorced with four children in a time period where a woman was little more than a second class citizen I picked myself up.

I got an education and worked at odd jobs and finally full time. I learned to be strong or at least wear armor for the indignities that I put up with. I worked and lived in a mans world. I couldn’t let anyone see me weak after all that was unacceptable.

My son was talking to me and I finally confided him my feelings and how proud I was that despite me how great of a parent he was. That is when he said a sentence that resonated to my soul.

He said, “Mom, you sure are carrying around a heavy empty suitcase, all of your children came from the same house, all of your children are adults and make their own decisions and their own mistakes.”

Ironic he would use a suitcase as a metaphor. I was finally free that day to move forward and so my son set me free and became my friend.

Let it go whatever weighs you down and enjoy the present for that is all you have.

Top 5 Osho Books Review

More than 600 books are attributed to the controversial spiritual leader Osho. This article reviews 5 of the most popular Osho books.

1. The Book of Secrets: 112 Meditations to Discover the Mystery Within

The Book of Secrets was published after his death in 1990 is a compendium of his lectures and follow-up question and answer periods. The reader will enjoy the casual and conversational style of the book and it makes for an easy read.

This is one of the longest Osho books with more than 1,100 pages. Osho gives us a comprehensive and practical guide to learning how to meditate. He believed that without meditation we can never discover the deep secrets of life but merely its surface.

The meditation techniques are based on ancient texts that have been translated to contemporary understanding. Each of the 112 meditations are described in detail and explained how best to put them to use in our everyday modern lives.

Whether you have a particular faith you follow or not you will derive great benefits through meditation. And you needn’t go to a temple to practice it-any quiet place will do. Your mind and body is temple enough along with the willingness and courage to experiment with something new.

2. Tantra: The Supreme Understanding

Of the more than 600 Osho books, Tantra is his all time best seller. For more than 1,000 years the writings of Tilopa, the 11th century Indian master of Tantra have lived on. Tilopa passed on his mystical insights to his student, Naropa, in the form of his Song of Mahamudra.

Osho, in his humorous, beautiful yet powerful way, teaches Tantra through Tilopa’s song piece by piece, showing how Tantric meditation techniques and mystical insights apply to our lives today.

3. EMOTIONS: Freedom from Anger, Jealousy & Fear

Life is nothing if not emotional, and not understanding our emotions and how to deal with them effectively lies at the core of many of our problems. And these problems not only affect our physical, mental and sexual health but also our energy levels, sleep pattern and relationships with our loved ones.

In Emotions, Osho gives us a guide that is both practical and comprehensive that helps to master our emotions by watching and learning from them when they arise. And once we learn this our emotions no longer have the power to provoke us.

4. Love, Freedom, Aloneness: The Koan of Relationships

If you are truly seeking something different from the same old worn out advice on relationships, then this is just the book for you. Love, Freedom and Aloneness was also published after his death from his teachings.

In it we find, that only by learning to live by ourselves and with ourselves first, can we cultivate real freedom in our lives; and this freedom allows us to find love and happiness with someone else. The book is a free flowing dialogue on how to balance lifestyle, love and meditation- not a 12 step formula.

5. Being in Love: How to Love with Awareness and Relate Without Fear

In this book Osho challenges us to question what we think we know about love and opens us up the idea that love, instead of consisting of jealousy and possessiveness, is natural and fulfilling.

He dares us to resist the patterns we’ve learned from culture and those around us that are unhealthy, and rediscover being love and loving without expectation. From an early time we’ve been so filled with rubbish about what love is that by the time we are ready to explore the world of love there is not much hope we can tell the difference between what is real and what is false.

Osho asks us to explore new ways to love that will forever change our relationships by answering the questions that so many lovers face including how to:

• Become a life partner with whom someone

• Be fully present in your relationships

• Love without clinging

• Free yourself from the fear of being alone

• Let go of expectations, rules, and demands

• Keep your love fresh and alive

• Surrender your ego so you can surrender to love

These 5 Osho books go far beyond the understanding of conventional psychology and bring unique insight to the workings of the mind, heart and essence of being.

Vegetarian Diet – The Healthy Way

Vegetarian diets vary widely. The pure vegetarian consumes foods from plants only. These foods include fruits, beans and peas, vegetables, grains, seeds, and nuts. A variation on the pure vegetarian diet includes milk and milk products such as yogurt and cheeses. The next level includes eggs in the overall list of items consumed. Finally, there is the semi-vegetarian diet which doesn’t include red meat but does allow fish, chicken and fish as well as eggs and dairy products.

The biggest issue with vegetarians is nutrition. They have to make sure they get all the nutrients their bodies need. The vegetarian has to plan out his diet to ensure he gets the essential building blocks for his body. The building blocks include protein, calcium, Vitamin B-12, Iron, and Zinc.

While supplements may be helpful, by enjoying a wide variety of foods, the vegetarian can ensure that she gets the nutrients she needs.

Eggs and milk are excellent sources of protein. However, your diet does not include eggs or milk; protein can be supplied by soy products, beans and peas, seeds and whole grains. Nuts are even a good source of protein.

Low-fat, dairy foods and dark green vegetables provide a ready of source of calcium. These green vegetables include spinach, kale, broccoli, turnips, and collard greens. Fortified soymilk and fruit juices are an additional source for calcium.

In order to produce red blood cells and prevent anemia (a low supply of iron), the body must have vitamin B-12. While this vitamin is found almost exclusively in animal products, including milk, eggs, and cheese, enriched cereals or supplements are available.

To supply essential amounts of iron, you should be sure to include dried beans and peas, lentils, enriched cereals, whole-grain products, those leafy green vegetables, and dried fruits in your diet.

Finally, zinc, which plays a role in cell division and the formation of proteins, can be supplied by whole grains, soy products, wheat germ, and nuts. If the zinc supplement route is chosen, the supplement should contain no more than 15 – 18 mg of zinc. Research has shown that excessive doses of zinc will lower the “good” cholesterol levels in some people.

For any diet, but especially a vegetarian diet, variety is the key to successfully supplying your body’s nutritional requirements. The prudent use of nutritional supplements can only help.

Warning: If Your Erections Are Softer Than Usual, It May Be A Sign Of A Major Health Problem

Are you noticing that your erections are not as hard as they were before? If so, there is a clear sign that not all is well with your overall health. Why is this so? The simple reason is that your penis hardness or erectile strength is the fastest indicator of, not only your sexual health, but also your physical health. To understand this, you need to understand how the penis gets hard or how an erection occurs.

An erection occurs when blood is pumped and trapped in the penis chambers. The more blood is trapped in there, the harder your erections. In order to achieve rock hard erection, you need to have:

1.   healthy  and elastic blood vessels
2. well functioning heart
3.  healthy  brain
4.  healthy  neural connections
5. adequate levels of nitric oxide that relaxes blood vessels in your body
6.  healthy  levels of testosterone

As you can see, it does take a lot for a man to achieve a  healthy , rock hard erection. Simply put, when your penis is rock hard, you are in great shape and physically  healthy .

Working backwards, you can infer that there is a powerful connection between weak, unsustainable erections and common health ailments in men. These include obesity, high cholesterol levels, hypertension, depression, sleep disorders, diabetes, and heart disease.

Long before your arteries become clogged (atherosclerosis) and put you at risk of heart failure, your penis will feel it first. These unhealthy cholesterol and fat in your body will first clog up your tiny penile vessels, restricting blood flow and causing a softer erection. You may not be conscious of it but your bad eating habit and diet could well be affecting your health in subtle ways. If you pay attention to the health and hardness of your penis, you can get an early warning sign that may well save your life.

To prove that this is not all talk and no substance, consider a new study of 2,400 men conducted by researchers at the University of Bristol, in England. In this study, men who reported that they had sex and orgasms at least three times a week were half as likely to have a heart attack or stroke as those who had less sex. Does this mean that having more sex reduces your risks of getting heart attack, stroke and and so on? Not really.

Actually, what this study confirmed is that being fit and  healthy  allows you to have sex as much as you want. The ability to have strong erections and good sex three times a week is an indication that you are  healthy  and in good physical shape and therefore less likely to suffer from the health conditions mentioned above. Treat your penis as your personal health barometer – the harder your penile erection, the better shape you are in, physically.

So what can you do to get that hard penis again? Here are some useful tips:

1. Cut the fat from your diet – this one is obvious. The fat you consume, the more fatty deposits you put into your arteries and the weaker your erections get.

2. Exercise more regularly. The more you burn those fat, the less will be left over to be deposited on your blood vessels and the harder your penis will get.

3. Consume more sexual and testosterone friendly foods like vegetables, fruits like banana, spices,etc. These will help improve testosterone and nitric oxide levels and help blood circulation

4. Include herbal aphrodisiac supplements in your diet. These men’s sexual health supplements contain powerful herbs that can help improve your blood circulation, raise your testosterone levels, increase your semen and sperm production and nourish your prostate gland for optimal sexual health.

If you need help to find the best herbal sexual supplements for men or to lose that unhealthy, unwanted, excess fat around your body, then do take a look at the author resource box below for more info.

Is Chocolate Pudding Healthy?

Chocolate is made from the fruit of the cacao tree. The beans of the tree undergo a considerable amount of processing before chocolate is produced but end up with lots of antioxidants. Chocolate is believed to boost serotonin and endorphin levels in the brain, which have an uplifting effect. It also contains stimulants which increases alertness. The feel-good factor, provided by chocolate and recipes with chocolate, gives an instant lift when the energy levels are low. In addition, there are some people who find eating chocolate cake or pudding soothing because they associate it with comfort or reward from their childhood.

Chocolate pudding contains some of the same disease-fighting antioxidants as fruits and vegetables. Antioxidants have been proven to decrease free radicals in the blood that can cause cancers. Healthy eating is more fun when you add small indulgences such as chocolate pudding desserts and pudding pies. A recent study shows the people who regularly eat pudding or recipes containing chocolate as their main ingredient, live up to a year longer than those who avoid it altogether.

Ready to use puddings are high in quality and are ideal as a wholesome snack by themselves. Not only do they have antioxidants, but calcium as well for strong bones. They are used as recipe enhancers in cakes, cookies, pies, ice creams, and other desserts in restaurants, bakeries and foodservice establishments. The jello chocolate pudding is as good as, if not even better, than regular home-made pudding. For people who don’t have the time to prepare tasty pudding desserts from scratch, the handy and ready to eat puddings are the best option.

Instant puddings are well packed and sealed for better taste and longer shelf life these days and are perfect for daycares and preschool snacks. The portions of each cup of chocolate pudding are sufficient to be used as perfect healthy snacks for children and adults. Foodservice companies can also buy big bulk cans for serving many people at banquets and receptions. Apart from being delicious, chocolate puddings are nutritionally balanced. For people who are particular about their diet, there are puddings made of non-fat milk, which contain way less calories than the regular puddings, yet you still get the great antioxidants and calcium.

Get Healthy – Add Fresh Seafood To Your Diet

Though the link between eating fresh seafood and general improvements with regard to health has been known for ages, the exact mechanisms behind the phenomenon might have been considered somewhat ambiguous until recently. A high-protein and low-fat kind of sustenance as various fish and other sea fauna species are, not all the benefits provided by eating them could have been explained via such simple mechanisms.

The discovery of higher Mercury levels in farm raised fish has led scientist to believe that one should stick with wild caught fish whenever possible. Long term studies have not been conducted yet to determine the effects of eating farm raised fish but it is assumed that the exposure to Mercury will have negative effects.

The good thing about wild caught fish is that they have been literally untouched by mankind. Crops and meat sources that are farmed have been manipulated by scientists in order to increase yields, lower growth time frames and make items easier to ship. Wild caught fish are not subject to these kinds of manipulation.

Following the introduction of new technologies, however, and the discovery of omega-3 fatty acids and their key role to various aspects of human health, the benefits of enjoying a diet rich in, for instance, lobster meat or other kinds of fresh seafood suddenly became far more visible and clear.

The omega-3s start a wonderful activity as early as on fetal stage of human development. Docosahexaenoic acid, commonly found in fish, crab and lobster meat, is an essential component for building brain and nerve fetal tissue as well as the retina. Consequently, research suggests that for infant cognition higher consumptions of fresh seafood low in mercury are beneficial by a pregnant woman.

Research has shown that a diet high in omega-3 will confer health advantages prenatally which persist after birth. Children eating such a diet develop less asthma and fewer cases of airway inflammation. Since live lobster and king crab are excellent sources of omega-3, adults will enjoy getting their regular dose.

Consumption of fresh seafood was proven reduce prevalence of depression in new mothers as well as make them less prone to breast cancer. Omega 3s present in the diet also protect against a variety of cardiovascular diseases, prevent strokes, improve eye and brain functions. Finally, they can halt mental decline later in the life – thus saving the happy fresh seafood lovers manifold the costs of their hobby.

Fish contain multiple advisable substances. They are plentiful in Vitamin D, which offers strong anti-cancer and bone-building qualities. Salmon contain Astaxanthin, which is a powerful anti-oxidant that confers a host of documented health benefits. It also gives salmon their orange coloring.

It is well known that to use natural ingredients easily found in food items agrees with the most innovative trends in medicine and with the idea that it is easier to prevent diseases than to cure them. Therefore, enjoy.

What You Can Get From Health Retreats in Melbourne

A health retreat goes beyond a special spa treat for individuals or groups. There are health retreats geared towards lifestyle changes and depression recovery including doctor consultation and motivational seminars and activities. Others call it integrative medicine. This is a holistic approach to wellbeing including the mind, body, spirit, and emotions.

In Melbourne alone, there are various retreat centres, offering programs and treatments to individuals and groups. For example, the Seascape Ocean Grove Centre and the New Me Health Retreat in Melbourne focuses on weight loss and detox treatment while others health retreats like Highwood and Alive Luxury Health Retreats are geared towards rejuvenation, meditation, and relaxation. It could be as simple as a vacation of a group of women friends who want to rejuvenate and relax their mind and body with spa, yoga, beauty treatments, sauna, Pilates, and massages. Others would go to these retreats for life coaching, counselling, and meditation.

With the popularity of medical tourism in this city, many facilities and health programs are constantly developed and improved to provide the best experience to the people. The benefit of going to a Melbourne health retreat is that you get to enjoy the beautiful place and be in one with the environment. Combined this with a good program, and you can relax, rejuvenate and fill your spirit with positive energy. Anyone suffering from weight issues, obesity, or anxiety can rely on the professionals and life coaches in this health retreats and be more motivated to make life changes. A renewed version of you is a benefit you can get from Melbourne health retreats.

Before you book just any health retreat in Melbourne, make sure you are choosing one located away from the city. The city, although easily accessible, can bring about stress for some people as this is where the hustle and bustle of everyday life happens. It would definitely be a challenge to meditate in a place where you hear lots of noise and activity around. In this case, you may want to consider retreat centres located amidst a beautiful natural environment for some good source of sunshine and fresh air. This will be ideal if you really want to achieve that ultimate sense of relaxation and rejuvenation.

Yarra Valley, which is just a short drive away from Melbourne CBD, is a good choice for health retreats. The lush natural landscape and the view of the valley can offer good amounts of positivity to individuals. You can check websites that offer health programs in this area. You can check out photos of their facilities and go through their program and treatment offerings to choose which one will work for you. Some centres offer a tailor-fitted program for their clients. A day-to-day itinerary will help you enjoy and get the most out of the program. You can find out more about Yarra Valley health retreats by visiting travel websites and health forums.

Some individuals also give program bookings as gifts to their loved-ones and friends. If you know a friend suffering from depression or an employee stressed from demanding work, this is a valuable gift you can offer to them. A health retreat will help them bounce back from any low point in their lives. You can also accompany them to enjoy the retreat yourself. Such group retreats are also a way to build relationships and support friends in time of need.

Siberian Husky Health Problems

There isn’t any dog breed that is completely free from inheritable genetic defects, but the Siberian Husky has the fewest health problems of all breeds. The Husky enjoys generally good health and temperament, but there are still health problems that you should look out for.

The good news is that the Siberian Husky Club of America or SHCA has kept an eye on potential genetic problems and taken positive action for the general health and well being of the breed. Since 1965 this organization has been tasked with being aware of genetic problems and alert breeders before the defects can spread. Because of the SHCA the two greatest areas of concern that have been found for the Siberian Husky is canine hip dysplasia and inheritable eye disease. However, with proper care and monitoring you can attempt to avoid these conditions in your dog and help them to live a long, healthy life.

Hip dysplasia is a condition where the head of the thighbone or hip joint doesn’t fit into the joint socket properly. When a puppy is born the condition isn’t typically present, most of the time it only develops within a dog’s first two years of life. The affected hip will suffer from inflammation, pain and arthritis as the condition progresses. Strenuous exercise such as sitting up, lying down or climbing stairs can make the condition worse. Males and females are equally affected by the condition and either a single hip or both can be affected. It is an inherited health condition, which means hip dysplasia is passed on from the parent dogs.

The Siberian Husky is one of the least affected dog breeds despite the high occurrence of hip dysplasia in dogs. The condition affects about one hundred fourteen dog breeds and the Siberian Husky is ranked one hundred eleventh for risk. This condition can easily be avoided in the breed by buying from breeders who can provide proof that both parents have passed the Orthopedic Foundation for Animals standards for breeding.

There are many eye defects that affect dogs, but only three of them are considered a concern in the few Siberian Husky health problems today. Hereditary or juvenile cataracts, corneal dystrophy and progressive retinal atrophy are the three eye conditions of the Siberian Husky that you should be aware of. Any eye color can have an eye condition and each disorder affects a different portion of the eye. Even though eye problems don’t occur often in the Siberian Husky they are serious and should never be overlooked or underestimated. The Siberian Husky can develop hereditary or juvenile cataracts as early as three months of age.

If there is a mild case there will be a decrease in eyesight, but severe cases can cause complete blindness. Corneal dystrophy is a condition that affects the outer transparent portion of the eyeball. This condition is more common in females and is typically found in young adult dogs. This condition has no current treatment, but is seldom affects vision. A more serious condition is progressive retinal atrophy, which can cause a devastating loss of vision in dogs as early as five months of age and is most common in males.

Exercise For Your Heart

If your family has a history of heart disease, you are at risk in that category as well. Luckily, there are some things you can do to prevent the onset of problems and remain   healthy  well into your golden years.

Physically sedentary people have a much higher risk of developing coronary artery disease, which is deposits of fat and cholesterol in the lining of arteries to your heart muscle. Obviously, living a sedentary lifestyle also contributes to other risk factors, like obesity and high blood pressure, and diabetes.

Researchers say that moderate exercise, like taking a 30 minute walk after dinner each day, can be extremely beneficial on all counts. Regular physical activity, such as this, helps reduce the risk of stroke or heart attack, diabetes and obesity. Aerobic activity helps reduce blood pressure.

Even after suffering the first heart attack, many people who change their behavior and start exercising regularly have better survival rates and quality of life. If you’ve had a heart attack previously, your doctor certainly explained to you the necessity of incorporating exercise into your daily life to avert a repeat attack.

Some physical activities use the large muscles in your arms or legs, and are called endurance or aerobic exercises. These exercises help your heart by causing it to work more efficiently while exercising and also at rest. Some examples of these types of activities: brisk walking, jumping rope, jogging, bicycling, cross-country skiing and dancing. All of these are aerobic activities that help with endurance, and therefore help your heart to function better.

Equip yourself with home fitness equipment.