Buying Life Insurance Over the Telephone the Safe and Easy Way

WHY WOULD I BUY LIFE INSURANCE OVER THE TELEPHONE?

Buying life insurance will never be exciting; however, it is becoming much easier and more convenient now that many companies are willing to allow their lowest cost products to be sold over the telephone. As a consumer you have the opportunity to deal with a real, and normally knowledgeable, representative who can provide you rates and information within minutes.

There is no longer the need to have an agent come to your home and spend hours trying to sell you something that won't fit into your budget. If you choose an agency that uses software designed to compare most the products available in your state, you will combine convenience with the lowest possible rate you are eligible for.

IS IT SAFE?
Yes, if you use common sense.

Applying for life insurance requires you to provide sensitive and personal information to the insurance company that will issue your policy. Use common sense in deciding with whom you share your Social Security Number, Date of Birth, and Driver's License Number with.

Here are some indicators that you are dealing with professionals:

• Have the people you have spoken with acted in a knowledgeable and professional manner?
• Have they asked you about your medical and personal habits history before they quoted you a rate?
• Have they clearly explained the application process and the procedures you must follow to obtain a policy at or near the rate you were quoted?
• Have they clearly explained that your policy may not pay a claim if you do not provide accurate answers on the application?

If the answer to all of the questions above is yes, then you have reason to be confident that you have made the right choice; however, if you have any lingering doubts there are a few more qualifiers you can look for:

• Have you been instructed to make your check payable to the insurance company and NOT the agent or agency?
• Have you contacted your state insurance department to confirm that the insurance company (NOT the agent or agency) is licensed to do business in your state?
• How did you find this company? Did they send you something in the mail; did you find their web site?

Again, if the answers are yes then you have found a winner. Let's face it: Very few crooks act like professionals.

HOW DO I FIND INSURANCE OVER THE TELEPHONE?
The internet has become the choice of many for fast and easy information. Type "Insurance by Telephone" or similar key words in the search field of your Internet Browser and you will get many pages of links to chose from. Look for toll free or other telephone numbers and begin calling. Ignore the sites that have only forms to submit your information. Most of them will have insurance calling you in an attempt to set up a visit to your home.

HOW DO I GET THE BEST RATE?
Finding the lowest rate that you qualify for is more about what you shouldn't do than what you should. Here is a list of things you should not do if you want to pay the lowest arte you are eligible for:

DO NOT provide false information about your health or personal habits during the quote or application process. Life and disability insurance rates are based on your actual health and personal habits, not on what you would like them to be. State insurance regulations require insurance companies to issue a policy at the rate you qualify for. There are no exceptions! This means you cannot negotiate, ask for a discount, or provide false information in the hope that you will get a better rate. Be honest during the process and you will receive the best rate offered by that company.

DO NOT deal with any agency that does not use rate comparison software to develop a quote. This new technology allows for the comparison of literally hundreds of different companies in order to provide you the best rate you are eligible for as long as you answer each qualifying question as accurately as possible. For example: five (5) pounds of weight might make the difference whether Company A or Company B is the cheapest. Give the representative the truth and they will find you the lowest rate.

DO NOT believe you are entitled to, or will receive, a discount or special price from anyone. Any licensed agent making such an offer is violating state insurance law. YOU ARE NOT AN EXCEPTION! Consider this: normally only greedy people get conned.

DO NOT delude yourself into thinking that a referral from your CPA, broker, lawyer, tax person, or a friend will get you the lowest rate. Remember, the object is to pay the lowest rate, not subsidize someone's drinking buddy. As previously stated, there are no discounts. You will have to decide whether to do business with anyone that considers violating the law to be an acceptable business practice. If you want to do business with a referral, use the qualifiers detailed earlier in this article. If the referred agent passes those standards, you should receive a competitive quote.

SUMMARY
It is now possible to make an unpleasant task easier and less expensive. If you combine the tools listed above and a little common sense, you have reason to be confident that you have paid the lowest rate you are eligible for.

Brit girls go there to get ripped off

We all know that women make better drivers; that's why women's car insurance is so cheap. But did you ever wonder if a woman might make a better car mechanic?

Well, chances are, no, you didn't. For the majority of women, a career in car repair is about as appealing a prospect as one in plumbing, or refuse collection. It took a Frenchman named Herve Malige to do the wondering for us, and, following that, to recruit some women and find out.

His unique project runs at the Base 34 training centre, near Montpellier. This year's intake of 15 women, all aged between 22 and 38, includes former air hostesses, beauticians and a nurse. They expect to graduate in June 2007 and hopefully found their own repair business together.

That too would be unique; there are currently no garages in Europe run by an exclusively female staff. The nearest all- female car repair business to Mr Malige is in Montreal, Canada, and he wouldn't be able to get a service there: the mechanics insist that all their customers be women as well.

Herve explained why ladies are better under the bonnet, saying, "What is needed today [in mechanics] is rigour and methodical diagnostics. Women are strong at identifying the causes of breakdowns - they methodically check everything."

Finding the bonnet release
Herve's work demonstrates that women have the potential to outdo men in the field of car repairs in just the same way as we do on the roads.

But woefully few of us are living up to that potential.

In fact, one in ten female drivers in the UK admitted she couldn't even find the bonnet release in her car, let alone check the oil or change a tyre. It's no wonder that women drivers' failure to carry out basic checks has lead to almost a million breakdowns, according to motor insurance provider InsureandGo.

The problem isn't our ability - it's perhaps because most women just aren't interested in what goes on beyond the steering wheels and pedals. The vast majority of us leave repairs and maintenance up to someone else, even if it means a trip to the garage or a call to the breakdown firm.

But consider that we spend £4 billion every year in the UK on unsatisfactory repair work - that's based on an average £125 of your money wasted every time a job is botched, done unnecessarily or overcharged for - and all of a sudden there's a good reason for getting a bit better informed!

What we can do to prevent breakdowns
All too often, women leave car repairs to the men in their lives, when, as we've proved, they're capable of doing a much better job by themselves. And when dad, brother or boyfriend isn't around, we all too readily fork out expensive call-out fees for a breakdown mechanic; generally to do a job the average woman could do with her eyes closed if she just took a little interest in her car.

For the seven million female motorists who say they know nothing whatsoever about car maintenance, femalefirst.co.uk recommends your first port of call should be an often overlooked source of info - the car's manual. This tell you all sorts of dull but vital information about tyre pressures, fuses, fuel capacity, etc - stuff that'll get a whole lot more interesting as soon as you break down!

Most manuals have a log section at the back where you can make a note of fuel consumption and mileage, and when certain engine parts are due for replacement. Keeping this up to date takes care of the majority of preventable breakdowns; it also ensures you won't get caught short with the petrol dial in the red again.

Need an oil change, fan belt, windscreen wiper blade, etc? Sounds like a nightmare, but chances are replacing everyday consumables like these is a piece of cake. If you're feeling brave, get hold of the Haynes manual for your car (http://www.haynes.com), which explains how to do it all through straightforward language and easy-to-follow diagrams. After all - men can manage it...

The trouble with garages
No matter how well you maintain your car, sooner or later you're bound to end up taking it to a garage - whether for an MOT, a service, or a repair job.

Unfortunately, most of us find visiting the auto centre about as much fun as a trip to the dentist's. 57% of the women interviewed by InsureandGo said they felt intimidated in garages, and a whopping 84% expected to be ripped-off.

Sadly, both these fears are born out by a substantial body of consumer surveys and mystery shopper research.

In 2002, the Department for Trade and Industry (DTI) carried out a mystery shopper survey that involved putting test cars in for a service at 250 UK garages. It's shocking enough that, in 40% of cases, mechanics didn't bother to give the cars a full service before handing them back; but it's particularly alarming that the figure rose to 58% when the researcher was a woman.

So, besides breaking down far more often than other drivers, the seven million women who don't know anything about their cars are leaving themselves vulnerable to the botching and overcharging of unscrupulous mechanics.

The DTI figures prove garages target women for crooked mark-ups because they know they'll away with it - and that's why four out of five women expect to be ripped off.

Once again, the obvious solution for women drivers is to find out more about their cars. That way, you've a much better chance of getting the ten-point inspection you paid for rather than the three-point one they could only be bothered to do.

What we can do at the garage
Reports by the National Consumer Council suggests that two factors, specific to the car repair industry, mean motorists are at risk of being exploited when visiting a garage.

First of all, we don't know as much about the car as the mechanic does. If he says a job or replacement part is an essential, we have no choice but to pay for it; if he misses a fault or fluffs a repair, we have no way of knowing about it.

The other reason motorists make easy targets for an unscrupulous mechanics is that we're very often in a bit of a panic. You've heard of panic buying when there's a fuel shortage or a big storm coming? Well, having our cars break down elicits a similar reaction in most drivers; we just want the thing fixed, money-no-object - at least, not until the mechanic hands over your bill.

So the best advice for female motorists visiting a garage is to work against these factors. Always try and diagnose the fault before taking your car in for a repair. Even if what you say isn't the source of the trouble, it will show the mechanic you're a lot more savvy than the woman who turns up with no idea other than 'it makes a funny rattling sound'.

Also, turn back to your trusty manual and specify what brand of replacement parts you need. If possible, ask the mechanic to show you what's broken before leaving him alone with your car. That way, if you can't identify the part yourself, you'll at least be able to see if any actual work has been done in the area when he's finished.

To take care of the panic buying factor, spend as much time as you can afford shopping around for quotes on your job. Ask the garage you choose to confirm the estimate in writing so you avoid any unpleasant price-hikes once the work is done.

Above all, try to be calm and self-assured at the garage. If you suspect you're being duped, say as much. Even if the mechanic is charging a fair price, he won't begrudge you for questioning it. And don't be afraid to walk away from a garage. After all, with 26,000 car repairing outlets in this country, there's plenty more fish in the sea.

To recap...
We all knew women make better drivers; now we know they make better mechanics, too. It doesn't mean you have to put on overalls and invest in some nice spanners, but there's no excuse not to dust off the manual and find out a bit about your car.

Just a basic knowledge of car maintenance will dramatically cut down the number of trips you make to a garage - and it'll mean you get good service and a fair price when you do visit one.

Author Bio
Katy Lassetter, CoverGirl Car Insurance Services are specialists in women's car insurance and can provide fast, free quotes in seconds- just go to http://www.covergirlcarinsurance.co.uk or call 0800 195 48 52 today. 

Shingles Natural Treatment

In the past ten years recent studies and research with alternative treatments for shingles has shown it possible to recover in less than one week and to reduce outbreaks of lesions and pain in three days.

Shingles is a serious health condition and it is important to follow your doctor's recommendations. Traditionally, most doctors prescribe painkillers for the temporary symptomatic relief of the pain and an antiviral drug to suppress the virus. This form of treatment with drugs reduces the severity and frequency of outbreaks but does not eliminate it from the body. This course of treatment can take six weeks or more and does very little for the patient. The pain associated with shingles can continue long after the initial outbreak.

Some doctors prescribe steroids or itch-relieving creams that contain steroids. Recent studies question the effectiveness of steroids in relieving shingles and suggest avoiding any treatment with steroids. Monitoring by your doctor is recommended, if steroids have been prescribed. It is best to find alternative treatments with your doctor and to seek out natural remedies.

The virus herpes zoster causes shingles and is the same virus that causes chicken pox. Shingles is an infection of the central nervous system and may affect the elderly, those with a compromised immune system, anyone under severe stress or those who have been exposed to the chickenpox virus again. Symptoms may include burning, itching, or pain in one part of the body. A few days later, blisters and a rash appear. The infection may run along a nerve path and look like a branch of a tree. Shingles usually appear on the trunk area and the chest but can also be found on the face. Shingles can cause blindness if it affects the eyes. If an outbreak occurs on the face the patient should get immediate medical care.

Natural Remedies For Shingles
A good starting point for treating shingles is a diet full of fresh fruits and vegetables. A good diet and reducing daily stress will help boost your immune system

A simple remedy for lesions is to apply a cool or cold wet washcloth or towel to the affected area. A wet towel can be put into the freezer for a while after wetting it to make it colder.

Eliminate sugar from your diet and add these important nutrients to your daily diet - vitamin E, vitamin B12 and vitamin C.

* Vitamin C is suggested with an initial diagnosis of shingles. You may start with 1,000 mg. (+)

* Vitamin E taken daily before meals may reduce the pain of shingles (Study published in the Archives of Dermatology) (+)

* Vitamin B12 injections may reduce the pain of shingles (Study published in the Journal Geriatrics) (+)

(+) It is recommended that you consult with your doctor before starting any vitamin program.

* E capsules can be squeezed directly onto lesions.

* Avoid heat as well as tight clothes and itchy fabrics like wool.

* Calamine lotion may relieve the pain and help dry the lesions.

Shingles is a serious illness and before starting any treatment program you should consult with your doctor. Shingles is the same virus as chicken pox. You cannot catch shingles from someone else unless you've never had chicken pox. If you have shingles you should use caution being around pregnant women who have not had chicken pox - you could infect both the woman and her unborn baby. 

Healthy Kids, Healthy Communities!

Dear Friends, 

The health and well being of every child is important for children to lead an innovative and successful life. However, research from the Zimbabwe Demographic Survey shows that 84 out of every 1,000 children are likely to pass away before they reach five years old. Most of these deaths are due to infectious diseases that could be treated with the right primary health care. These deaths do not allow Zimbabwean children to live the full and prosperous lives they deserve. Most of these diseases go untreated because of the lack of doctors in the clinics and inability for parents to pay for a visit to the doctor. 

In 2010 the World Health Organization reported that Zimbabwe had less than two doctors for every 10,000 people. The price to visit a general practitioner in Zimbabwe is now at $35 with further visits for the same illness is another $30 per visit. Then, if someone needed to see a doctor during the weekend it would cost $60, and $70 for night visits. These prices do not even include medication costs. With an unemployment rate of 92 percent in Zimbabwe, and wages as low as $382 per month and a familial living cost of about $655 per month, many Zimbabweans do not have the financial stability to pay for doctor’s visits. 

In order to try and bridge this gap, the Nhaka Foundation has worked with local clinics and their nurses to carry out health assessments for ECD students in the schools they sponsor. The Nhaka team, along with a nurse goes to the schools and assesses the children’s health. Each child’s height and weight are recorded, and then the nurse tests the child’s heart rate, eyesight, and hearing. The nurse also inspects them for ringworm, which is becoming an overwhelming problem in rural schools, and other skin conditions. 

Once all the evaluations are done, the nurse and the team evaluate the results to see if there are any overwhelming problems with the children at the school, which, if any, children are facing malnutrition, and what medications are needed in order to improve the children’s health. The team then tries to come up with innovative ways to help the children be as healthy as possible. 

The Nhaka Foundation strives to “leave a lasting legacy” for the children of Zimbabwe. In order for a legacy to be made, children’s health and well being needs to be looked after. With the help from local clinics and nurses, the Nhaka Foundation strives to make sure the children are happy and healthy so each and every child can leave their own legacy. 

Until next time, 

Katie Shields 

Volunteer Intern

WELLNESS WEDNESDAYS: Ignoring Diabetes Gets Complicated

"I chalk up the fact that I got diabetes to my body saying, 'Dude, you have been doing wrong for way too long'." 

                                                                --Randy Jackson

Recently, a friend told me her husband had a problem with his vision. He needed two surgeries on the good eye before they could operate on his bad eye.  It was a tough lesson in taking ownership of one’s health.  

I asked my friend if her husband had his A1C level checked recently and she said he had not been to the doctor in a while and she had no idea what his A1C result was.  Having diabetes comes with a lot of decisions to make if you don’t want complications, such as high blood pressure, heart disease, kidney disease, or vision loss or blindness.  Diabetes affects the entire family, as my friend is learning right now.  When ignored, diabetes becomes a much more expensive disease with the price of physical complications plus lost wages and time away from work.  

Let's talk about how uncontrolled diabetes can affect the eyes.  High blood sugar slows down the circulation of the blood.  Blood flow to the tiny vessels in the eyes can be affected.  This is called diabetes retinopathy.  If not detected early, it can lead to loss of vision and blindness. Controlling diabetes - by taking medications as prescribed, staying physically active and eating a healthy diet - can prevent or delay vision loss.

Here is the list of questions I have created for anyone recently diagnosed with diabetes:

1. How often should I check my blood sugar?
2. What times of day are best for me to check by blood sugar? 
3. What are my daily blood sugar goals to prevent complications? 
4. What happens if my blood sugar is too high and what do I do about it?
5. What happens if my blood sugar goes too low and what do I do about it?
6. Can I keep eating pasta and drinking sodas whenever I want?  What about fruit juice, bread, and grains like wheat? 
7. What eating changes do I need to make?
8. What is the A1C test and how often should I have it done?
9. What should my A1C be?
10. What about my blood pressure?
11. What about my cholesterol levels? 
12. How does stress affect my blood sugar?
13. What tests do I need and at what frequency? 
14. Do I need to see any specialists?
15. Do I need to exercise?
16. How can my family help me?
17. What do I need to do besides check my blood sugar?
18. If I don’t check my daily blood sugars, don’t monitor my A1C levels, don’t get an annual dilated eye exam, don’t check my feet regularly and don’t see a doctor regularly, I’ll still be OK, right? 

Sadly, the last question is the only one my friend’s husband ever asked since being diagnosed.  Having diabetes means getting educated by one’s doctor or by others on your team so that the plan for preventing complications is crystal clear to you.  Having diabetes means taking deliberate actions to maintain control and manage diabetes so that it does not control you.  In my experience working with patients, not all doctors are good teachers.  They often say to a patient, “Go to the bookstore and pick up a book about diabetes.”  Books can help to educate us but they often don't give us all the answers we need.

The reason I started Growing Healthy Kids, Inc. was because of people like my friend’s husband. Since successfully working with adults with diabetes and knowing that diabetes is controllable, preventable, and reversible, I focused on educating parents about preventing diabetes.   Obesity in children is a primary risk factor for type 2 diabetes in children.  Obesity, like diabetes, can be reversed and prevented.  

Mothers and fathers who have diabetes can educate their own families so that their children can learn healthy eating habits, the importance of being physically active and staying at a healthy weight.  The younger kids are when they learn good habits, the longer they will enjoy the benefits of good health. Ignoring diabetes gets complicated because diabetes has complications.  We can replace ignorance with awareness. 

Speaking of controlling diabetes with healthy eating, here’s one of my favorite new recipes.  It is even more special because of the delicious mangoes my neighbor gave me last week from her tree!

BLACK RICE SALAD WITH MANGO AND PEANUTS

Black rice has more antioxidants than blueberries, according to a study by Louisiana State University Agricultural Center.  Known as “forbidden rice”, this delicious, nutty rice has a black bran coating has outrageously high levels of protein, fiber, and antioxidants, including vitamin E and anthocyanin (which gives the rice its black hue).

INGREDIENTS:

• ¾ cup orange juice
• ¼ cup fresh lime juice
• 2 Tablespoons liquid coconut oil
• 1 Tablespoon coconut aminos (or use Bragg Liquid Aminos)
• Salt, to taste
• 3-1/2 cups water
• 2 cups black rice
• ½ red, orange, or yellow pepper, seeded and diced
• 2 stalks celery, diced
• 1 cup fresh cilantro leaves, chopped
• 1 cup finely chopped red onion
• ½ cup unsalted, dry roasted peanuts
• 6 scallions, thinly sliced
• 1 small firm ripe mango or avocado, diced
• 1 jalapeno pepper, seeded and minced

DIRECTIONS:

In a large bowl, whisk together orange juice, lime juice, coconut oil, coconut aminos, and a pinch of salt.  Whisk to blend.  Set aside.

In a medium saucepan, heat water to boiling.  Season lightly with salt and add black rice. Cover, reduce heat to low, and simmer until all liquid is absorbed and rice is tender, about 25 minutes. 

Remove pan from heat and let stand, covered, for 15 minutes. 

As rice stands, add red pepper, celery, cilantro, red onion, peanuts, scallions, mango or avocado, and jalapeno to the large bowl containing dressing.  Stir to coat ingredients.

Add black rice, stirring gently until coated.

Allow to sit for 30 or more minutes for flavors to blend.

SOURCE:  Coconut: The Complete Guide to the World’s Most Versatile Superfood by Stephanie Pedersen, 2015

If you or a loved one has diabetes, get help now.  Start at nih.gov or click here.

In gratitude,

Nancy L. Heinrich, MPH

Founder, Growing Healthy Kids

WELLNESS WEDNESDAYS: Saving Our Children

"My diabetes is such a central part of my life...it did teach me discipline...it also taught me about moderation...I've trained myself to be super-vigilant...because I feel better when I am in control."

                                                                         --Sonia Sotomayor

Today, diabetes reared its ugly head when I least expected it.  While shopping for fresh vegetables, I saw a man suddenly slump over the bananas.  I rushed to his side, assisted him to a chair, and got a manager’s attention.  

When asked if he had diabetes; he replied yes.  An employee was immediately dispatched to get orange juice for the customer.  Was it a low blood sugar event?  It very well might have been.  Only the doctors in the emergency room will know.  I am saying a prayer that he receives the help he needs.  

The threat of low blood sugar - plus other complications such as high blood pressure, peripheral neuropathy, kidney disease, diabetic retinopathy, and gastroparesis - is a very real scare for millions of Americans living with diabetes.  Managing diabetes is not spectator sport.  Successfully managing diabetes takes work, vigilance, and education.  It requires knowledge about healthy eating habits and importance of daily fitness routines.   Can diabetes be managed?  Yes. 

The question for parents is, can diabetes be prevented?  Yes.  What does it take to do that?  The same as managing diabetes:  work, vigilance, education, and knowledge about healthy eating habits and the importance of daily movement.  Making decisions to ensure that our kids stay at a healthy weight. Choosing foods and drinks without added sugars.  

ALL kids deserve access to healthy foods.  ALL kids deserve parents who are informed and health literate.  ALL kids deserve the opportunity to erase their nature deficits to ensure their mental health is balanced with their physical health. 

Without informed and health literate parents, our children’s risk of developing diabetes is greatly increased.   Diabetes is a preventable disease, only if we dare to become embarrassed and do whatever it takes to ensure our children’s health – and lives. 

In gratitude,

Nancy L. Heinrich, MPH

Founder, Growing Healthy Kids

All about teacher training!

Hello Friends, 

Since you last heard from us, Nhaka Foundation had many great days out in the field, conducting teacher training. Everyone from Head Masters, to Teachers in Charge, to Early Childhood Development (ECD) teachers have gone through training workshops with Dr Lea Ann Christenson and the Nhaka team. These educators are already amazing at their job, and the purpose of Dr Lea Ann’s training was to re-emphasize the foundations of teaching ECD. She went over everything from how children learn, the importance of speaking two languages, Universal Design for Learning, Literacy, Pre-math, and tying it all together by having the teachers write a lesson plan with the information they learned during the training. 

In order to do so Dr Lea Ann had the teachers get creative by basing a lesson on a children’s edition of the Scholastic magazine that she handed out to every person at the training. Scholastic magazines are simple to read, non-fiction magazines that aid in children’s oral language development, and literacy. Each magazine is focused around a certain topic such as ants, classroom rules, and different holidays, like Valentine’s Day. While some of the magazines were the same, the teachers’ creative energies steered them in different ways to orchestrate a lesson they would teach. While every idea was different, each and every teacher made sure his or her lesson touched upon literacy, building academic language through specific vocabulary words, pre-math, and of course play! 

Dr Lea Ann and the teachers then also discussed how the lesson could be adapted through Universal Design for Learning (UDL). UDL is a framework to guide educators about the best ways to educate all children in the classroom, to make sure all children; even children with special needs understand the lesson taught in order to broaden each and every child’s horizon of knowledge. The fun of ECD training did not stop there! Dr Lea Ann also implemented teaching strategies that teachers could use in their classroom into the training. Tactics such as “turn and talk” where a question is asked, and then you turn to the person next to you to discuss possible answers. Switching the people you are working with in order to meet new friends to discuss possible answers with. 

And finally, what I think was the most fun was Dr Lee Ann drawing every name randomly out of a bowl to have the teachers come up and share a rhyme they sing in their classroom. Everyone at the training had a good laugh, while participating in singing and dancing to the rhymes, and most importantly, all the teachers learned new rhymes to bring back to their own classrooms.  Today’s children are tomorrow’s future. Teachers take up the outstanding duty to teach and train children in order to make sure their futures are bright and filled with knowledge. This teacher training reinforced skills that Zimbabwe’s teachers already know and use in order to motivate them to keep up the great work they are doing in educating our children. 

Until next time, 

Katie Shields 

Nhaka Volunteer