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Repricing on Health Insurance Claims

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We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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Source by Cal J Burgess

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February 4, 2020
Lifestyle Diseases

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There have been increasing reports of several lifestyle diseases affecting the people from several countries of the world. One of the main reasons for this is lack of time to think about good health. Some of the other reasons include, lack of awareness, bodily disorders, excessive work related stress, etc. The rural uneducated people do not follow the basic principles of nutrition. Most of them are also poor.

Hyper tension and excessive blood sugar levels are the most important risks affecting the lives of many people. Besides several other contributing factors, excessive salt in the body seems to be facilitating increase in the levels of blood pressure. Kidney is the vital organ which does control blood pressure levels. According to the medical researchers, the readings above 140/90 are known as the hyper tension. lesser salt intake, relaxation, drinking green tea, consuming two or three garlic cloves in the morning, etc are some of the natural remedies Balanced diet or nutritious food and brisk walking are also helpful. Avoiding the risky decisions, planning the work perfectly, avoiding disappointment, inclusion of fun in one’s life, meditation, yoga, management of time effectively, healthy inter personal skills,etc would also aid in reducing unnecessary stress.

Good sleep can reduce higher glucose levels. Our blood needs only certain minimum levels of glucose. The excessive amounts can cause several health problems. The excessive glucose in the blood would lead to its clotting. The body might lose its immunity. Consuming our food at regular intervals would go a long way in reducing the risk of high glucose levels. Natural herbs such as neem leaves, lady finger, garlic, onion, green tea, etc are of great help to maintain normal blood sugar levels.

Obesity is one of the major factors in reducing the effectiveness of the people. It is also responsible for the onset of the above mentioned health hazards. Several factors do play a role in the increase in our body’s weight. Many people seem to be getting good awareness about the ill effects of excessive weight.

Stroke, cardio vascular diseases, loss of eye sight, etc are some of the consequences of improper lifestyle. Medical scientists do suggest to include more vegetables in the diet. Stress seems to be basically the mind’s problem. Higher glucose levels too cause stress.

Proper medication, nutritious diet, regular exercise, etc would go a long way in maintaining the normal levels of both glucose and salt.

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Source by Tirumala Prasad

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February 3, 2020
Created To Bond – Changes That Heal Part II
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Failure To Develop Relationships

Emotional ties have a dramatic effect on our well-being. When one fails to develop relationships or bond with others, it can and often does affect their ability to stave off or recover from a variety of not only physical but also emotional ills. When they learn to attach to and trust others, they begin to develop not only emotionally, but also psychologically. Thus, their ability to bond with others… to become closely knit, often carryover into their home life.

When a child is distressed, he/she may show unusual signs such as increased pulse, increased or labored respiration, helplessness, and hopelessness and may easily become enraged. These signs are often seen when the biological parent remarries and the child tends to believe that he/she must compete with the step-parent for the biological parent’s attention.

When the adoptive or step-parent enters the situation with food, physical contact, compassion and other help, the child learns her parents can meet her needs. The child is then more active and able to respond to stimulation such as playing. When the child is content, she is able to sleep and feel comfortable in her surroundings.

According to Deborah Gray, author of Attaching in Adoption, “attachment is a relationship formed primarily with members of the family and requires more time and interaction to be created. Attachment is what most adoptive parents are referring to when they talk about bonding with their child. Adopted children of all ages may have an attachment to their birth family, even if the relationship was neglectful or abusive. Many adoption experts agree that if a child can form an attachment to birth and foster parents, she will have the skills to attach to her adoptive family as well.”

Signs of Secure Attachment

The parental attachment process can often take weeks or years to fully develop, and in some cases there maybe pervasive attachment disorders for which professional therapy will be required. A strong indicator of whether attachment is taking place is the comfort with which the adoptive or step-parent is able to recognize the child’s needs. It is important to remember that the repetition of parents meeting a child’s needs is the foundation of forming a secure attachment with children of all ages, not just infants.

The attachment bond shapes an infant’s brain

The attachment bond is the term for our first interactive love relationship-the one we had with our primary caregivers, that is, our mothers. The mother-child attachment bond is instrumental in shaping infants brains. This important attachment profoundly influences our self-esteem, our expectations of others, and our ability to attract and maintain successful relationships. So, the success, or failure, of our first love-the attachment bond-has a life-long effect.

Our secure attachment bond shapes our abilities to:
- feel safe
- develop meaningful connections with others
- explore our world
- deal with stress
- balance emotions
- experience comfort and security
- make sense of our lives
- create positive memories and expectations of relationships
Attachment bonds are as unique as we are. Primary caretakers do not have to be perfect. They do not have to always be in agreement with their infants’ emotions, but it helps if they are emotionally available a majority of the time.

We were born with an innate or preprogrammed need to bond with one very significant person-our primary caregiver, usually our mother. Like all infants, you were a small bundle of disjointed emotions-intensely experiencing fear, anger, sadness, and joy, often at the same time. The natural emotional attachment that grew between you and your caregiver was the first interactive relationship of your life, and it depended upon nonverbal communication. Therefore, the bonding you experienced in this relationship determined how you would relate to other people throughout your life. This bonding relationship established the foundation for all verbal and nonverbal communication in your future relationships.

For better or worse, the attachment bond profoundly influences the infant brain. It is a baby’s first love relationship. When the primary caretaker can manage personal stress, calm the infant, communicate through emotion, share joy, and forgive easily, the young child’s nervous system becomes “securely attached.” The strong foundation of a secure attachment bond enables the child to be self-confident, trusting, hopeful, and comfortable in the face of conflict. As an adult, he or she will be flexible, creative, hopeful, and optimistic.

People who fail to establish this type of bonding relationship often experience confusing, frightening, or broken emotional communications during their infancy and often grow into adults who have difficulty understanding their own emotions and the feelings of others. This hampers their ability to establish, build and/or maintain attachments leading to successful relationships.

What is Attachment?

Attachment is the relationship between infants and their primary caregivers-is responsible for:
- shaping the success or failure of future intimate relationships
- the ability to maintain a normal emotional balance
- the ability to enjoy being ourselves and to find satisfaction in being with others
- the ability to successfully rebound from various disappointments, discouragement, and misfortune
Many scientific studies of the brain-and the primary role attachment plays in shaping it-has given us a new basis for understanding why vast numbers of people have great difficulty communicating with the most important individuals in their work and love lives. Once, we could only use guesswork to try and determine why important relationships never evolved, or developed chronic problems, or fell apart. Now, thanks to new insights into brain development, we can understand what it takes to help build and nurture productive and meaningful relationships at home and at work.

What is the attachment bond?

The mother-child bond is the primary force in infant development, according to the attachment bond theory pioneered by English psychiatrist John Bowlby and American psychologist Mary Ainsworth. The theory has gained strength through worldwide scientific studies and the use of brain imaging technology.

The attachment bond theory states that the relationship between infants and primary caretakers is responsible for:
- shaping all of our future relationships
- strengthening or damaging our abilities to focus, be conscious of our feelings, and calm ourselves
- the ability to bounce back from misfortune
Scientific research reveals the infant/adult interactions that result in a successful, secure attachment, where both people are aware of the other’s feelings and emotions is the necessary precursor for successful relationships. These studies also reveal troubled, or insecure attachment, in which the communication of feelings fails thus resulting in an inability to form the bind needed to establish a solid relationship. Researchers found that in order to have successful adult relationships there must exist in us and we must depend on the ability to:
- manage stress
- stay “tuned in” with emotions
- use communicative body language
- be playful in a mutually engaging manner
- be readily forgiving, relinquishing grudges
The same research also found that when an insecure attachment exists some type of abuse may have caused it, but it is just as likely to be caused by isolation or loneliness. These recent discoveries offer a new glimpse into successful love relationships. Taking these observations into account often provides the keys to identifying and repairing a love relationship that is strained or falling apart.

Insecure attachment affects adult relationships

Insecurity can be a significant problem in all of our lives, and it usually takes root when an infant’s attachment bond fails to provide the child with sufficient structure, recognition, understanding, safety, and mutual accord. These insecurities may lead us to:
- Tune out and turn off-Most often, if our parent is unavailable and self-absorbed, we may-as children-get lost in our own inner world, we become introverted, avoiding any close, emotional connections. This often causes us as adults to become physically and emotionally distant in relationships.
- Remain insecure-If we have parents who are inconsistent or intrusive, it’s more than likely that we will become unrealistically anxious and fearful, never knowing what to expect. Then as adults, we may become willingly available one moment and totally rejecting the next.
- Become disorganized, aggressive and angry-When our early needs for emotional closeness and comfort is neglected, or when a parent’s erratic behavior is a source of disorienting terror, emotional problems are sure to follow. As we grow into adults, we may lack the ability to love easily and may unknowingly be insensitive to the needs of our partner.
- Develop slowly-Problems often occur when we fail to develop as rapidly as we should, both emotionally and intellectually. Such developmental delays often manifest themselves in the form of deficits and often result in subsequent physical and mental health problems, and generally lead to social and learning disabilities.
Lessons Learned From Our Attachment Bond

There are many powerful, life-altering lessons we learn from our attachment bond-our first love relationship continues to teach us as adults. The gut-level knowledge we gained from this bond then guides us in improving our adult relationships and making them secure.

Lesson No. 1-All adult relationships depend on nonverbal forms of communication for their success. These nonverbal communication skills are learned in infancy. Newborn infants cannot talk, reason or plan; yet they are equipped to make sure their needs are met. Infants don’t know what they need, they feel what they need, and communicate accordingly. When an infant communicates with a caretaker who understands and meets their physical and emotional needs an attachment takes place and the strength of that attachment influences other relationships later in life.

Lesson No. 2-Relationships in which the parties are tuned in to each other’s emotions are called attuned relationships, and attuned relationships teach us that:
- nonverbal cues deeply impact our love relationships
- as we play it helps us smooth over the turbulent times we endure in love relationships
- inevitable conflicts can build trusting relationships if we approach them without fear or a need to punish or retaliate
When we can recognize knee-jerk memories, perceive expectations, inappropriate attitudes, unfounded assumptions and improper behaviors as problems resulting from insecure attachment bonds, we can squelch their influence and their effect on our adult relationships. That recognition allows us to readily reconstruct the healthy nonverbal communication skills that ultimately produce an attuned attachment and successful relationship.

Becoming an Adult and Relationship Orientation

As we grow into adulthood, for the most part we bring with us the ideas and communication lessons we have learned from the time of our infancy. Whether these are good or bad depends on our ability to not only view life from our perspective but also have the ability and the willingness to see things from the other person’s point of view as well. When we are able to do that, then we are in a more astute position to deal with situations and circumstances that are adverse to us.

As we move through the adolescent stage of life we find ourselves at odds not only with others but also with ourselves. We want to be an adult with all of its rights and privileges sooner that we can become one, yet at the same time we want to abdicate the responsibility that goes with that station in life. It is a time of being able to make your own decisions and taking authority over your own life, but you are not there yet. You must learn to maintain control of your impulsiveness and your inhibitions. You must be able to objectionably reevaluate your beliefs, see your parents and authority figures realistically, recognize and pursue your God-given talents and goals, and be willing to take ultimate responsibility for yourself. Finally you must be able to accept and appreciate people who are different.

This ability helps us to be able to accept the good and the bad because we are able to address situations in a mature manner. When we are able to do this, we place ourselves into a position of strength, resulting in a proper evaluation of ourselves. Thus we are able to overcome some of the most persistent problems we face daily because now we are not only able to see things in black and white but also in the various shades of gray. As such, we are able to make allowances for our and other peoples mistakes.

We at that point come to realize that everything in life doesn’t have to go our way in order for us to be happy. We gain a new perspective on ourselves, others and God as a result of our changed thinking. We are then able to deal with each other with mercy, in grace, with the understanding that we too make mistakes. When we move into the realm of tolerance and forgiveness, we are able to love others without them having to be perfect.

Yet, in order to accomplish the task and responsibility of growing up we must also be willing to take responsibility and be accountable for those things of which we have been put in charge. Those things include our attitude, tongue, and actions. As we continue to grow in stature and wisdom the maturity level of our life should also increase proportionately.

Differences Between Men And Women

From my experience in dealing with women, (my mother, aunts, seven sisters and many friends and associates) I find that the majority of women are generally oriented towards their existing friendship networks whereas men were more interested in meeting new people and finding people who had similar interests — in other words, men would rather enjoy the adventure of reaching out to new people rather than cementing their existing relationships.

These results contribute to the growing research on social capital, networking and highlight the importance of examining specific interactive applications. The importance of distinguishing between strong and weak ties plays a major role in establishing new relationships. Also, it is necessary to consider the importance of taking into account gender differences in social interaction patterns. Whereas, women increase their bonding social capital as a result of using these sites but men do not. Women, on the other hand, show a decrease in bonding social capital with those whom they meet outside of their normal sphere of influence.

The fear of incorporating emotional intimacy into these association/relationships is mainly due to a fear of rejection and engulfment – a fear of losing the other and/or losing yourself. To overcome this obstacle you must be able to establish an inner bond with yourself. Inner Bonding is a transformational process for healing the fear of intimacy related ideas that have been carried from past experiences.

The mental visualization of these experiences often cause us to digress into a self-contained state of emotional security that hinders our ability to openly tolerate the inconsistencies we see in others. As a result, we ourselves are moved to a protective state and therefore unable to deal with the negative feelings that we will invariably experience. This barrier can block us from resolving issues that in reality are non-issues.

The Immaturity In Adolescence

Struggles with adolescent identity and depression usually set in when an adolescent experiences a loss. The most important loss in their lives is the changing relationship between the adolescent and their parents. Adolescents may also experience strife in their relationships with friends. This may be due to the activities their friends take part in, such as smoking, which causes adolescents to feel as though participating in such activities themselves is likely essential to maintaining these friendships. Teen depression can be extremely intense at times because of physical and hormonal changes but emotional instability is part of adolescence. Their changing mind, body and relationships often present themselves as stressful and that change, they assume, is something to be feared.

Your experiences in life help you to mature. The maturity is developed when you know you have no one to blame for the past but the circumstances and your immaturity. Oftentimes your immaturity stopped you from having a proper perspective of the facts facts and seeing things as they were. This made you blame others for your sufferings. You may have created and escalated your suffering without realizing the facts and circumstances and taking a easy way out by holding others responsible for it.

You feel you are always on the receiving end of every wrong or perceived wrong due to your immaturity. However, life has a knack of replaying memories and after few years it recreates the same circumstances but this time puts you on the opposite side (giving end), you are left with no choice but to accept the fact that you were so immature then and have grow-up with years. As you mature, life makes you see your ‘old you’ in somebody else now in these replaying of circumstances and you know that the other person still has to wait years ahead to grow and realize these facts.

Maturity slowly leads to wisdom when you know that it is only you who has to stand up and take responsibility for your past – action / inaction, sufferings / failures instead of holding others responsible. It is truly said that you create your own happiness. By blaming others and holding grudges you keep happiness at bay and give way to hatred and self pity. However, with time and wisdom when you accept the responsibility for your sufferings and embrace all your successes without pride -you are truly happy.

Divorce And Its Affects On Maturity

Children of divorced parents often bitterly vow not to repeat the same mistakes. They want to avoid putting themselves and their own children through the pain that comes from the dissolution of a marriage. But, according to University of Utah researcher Nicholas H. Wolfinger, these children’s aspirations face unfavorable odds. “Growing up in a divorced family greatly increases the chances of ending one’s own marriage, a phenomenon called the divorce cycle or the intergenerational transmission of divorce.” Dr. Wolfinger has spent almost a decade studying the marriages of children from divorced homes in America. These children are more likely to marry during their teenage years, cohabitate and marry someone who is also a child of divorced parents. And they are also one-third less likely to marry if they are over age 20.

“Understanding the Divorce Cycle: The Children of Divorce in Their Own Marriages,” by Wolfinger, published by Cambridge University Press, contains important information for those interested in divorce and its repercussions. “Divorce is an important topic because it has so many consequences for well-being,” writes Wolfinger,

“Its transmission between generations adds a whole new dimension by perpetuating the cycle of divorce. The divorce cycle, in short, can be thought of as a cascade. Ending a marriage starts a cycle that threatens to affect increasing numbers of people over time, a sobering thought in an era when half of all new marriages fail.” His research also suggests that if one spouse comes from divorced parents, the couple may be up to twice as likely to divorce. Spouses who are both children of divorced parents are three times more likely to divorce as couples who both hail from intact families.

Besides observing the marital stability of the offspring of divorced couples, Wolfinger’s book provides another perspective on how parental divorce affects offspring marriage timing, mate selection, cohabitating relationships as well as historical trends in the divorce cycle. Wolfinger also explores the divorce reform movement in America and argues in favor of no-fault divorce laws, arguing that a return to an age of tough divorce laws would recreate the social conditions that used to make divorce harder on children.

It is my opinion considering all that has been written on this subject that one reason children from divorced families get divorced more often is because they have a tendency to marry as teenagers. Social history demonstrates that the older you are when you marry, the less likely you are to get divorced. It’s good advice for everyone.”

On the other hand, the more transitions children experience while growing up, the more they will experience as adults. Taking this into consideration, the question that needs to be asked is, “What is the hardest for kids is how many disruptions they experience — the up-and-down cycles.

This is a valid question because many children will have stepparents, and some will see their new families dissolve. This type of disruption occurs any time they lose a parent — except from death. That’s different, and doesn’t have the same negative effects on children… whereas divorce is ambiguous. Children wonder whether the divorce was their fault or who is to blame. And they wonder ‘Is he coming back?’” It is certainly good news that people are less likely to stay in high conflict marriages than they used to. However, “ending a low-conflict marriage may hurt children as much as staying in a high-conflict family,” and the odds of divorce transmission are actually highest if parents dissolve a marriage after little or no conflict. It therefore behooves us to evaluate the effects divorce will have upon our children and their emotional well being should we decide to travel that road.

But before making that decision, we should honestly examine ourselves and the motivating things that are moving us in that direction. This inventory, if prayerfully done will allow us to see the other persons point of view more clearly and thereby make the necessary adjustments, where warranted, to resolve the issues that precipitated situation to begin with. If we are truly willing to continue the relationship, then we must take the necessary steps needed to resolve the issues of what is good or bad by first considering what we could have done to alleviate the problem rather than casting blame. When we allow the power of forgiveness to flow in us we cannot only deal with the past and present, but also the future as bonds are cemented.

Gray, Deborah. Attaching in Adoption: Practical Tools for Today’s Parents. Indiana:Perspectives Press Inc., 2002.

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Source by Franklyn T. Johnson, Ph.D

Views: 0
February 3, 2020
MLM – In Unashamed Defense of Multi-Level and Network Marketing

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One of the things that tells you are being successful in your online marketing efforts is an increasing number of emails from nay sayers, spoilers and people who are just down right rude.

I recently received one from an IT expert who was independently well off thanks to stock options and profit sharing. He mocked MLM people as “bottom feeders” and said, “I mock MLM as a business model.” Probably very easy to do when you’re loaded thanks to stock options, etc – just hope his company doesn’t go the way of Enron!

To be honest I mock most other business models as an inefficient and sometimes down right unethical way to do business. Example one:- Small family in china produces components for a larger company for a tiny margin, large company then sells products to a wholesaler, wholesale then sells it to a foreign wholesaler who then sells it to a retailer who sells it to the consumer. Now this is a basic model – sometimes the middle men can be much more numerous. Either way the original producer gets screwed and the consumer gets screwed thanks to the number of middle man. This is even worse in the agricultural industry. Go to a farmer and ask him how much he/she gets for a liter of milk, a ton of potatoes, etc – it will shock you! They get a pittance of the final shelf price. For farmers to continue to rely on the big multinationals to do the right thing by them is the seriously flawed business model as they continue to be driven to the wall. I MOCK TRADITIONAL BUSINESS MODELS.

The worlds biggest MLM is the international illegal drug market – although they trade in evil and death they are a huge network of people from poppy fields in Afghanistan to street sellers in western cities – the high estimate is that the world wide industry is $500 billion. The a lot of money for what is an MLM. Should MLM still be mocked as a business model?!

Multi-level marketing and network marketing is found throughout the business world. Real Estate agents, Dealerships, and many other ‘traditional’ business often have levels of reward depending on number of sales, sales people below you, etc. The internet abound with affiliate programs that are multi-leveled to reward affiliates not only for product sales, but also if they bring in new affiliates.

Why is MLM so hated by the traditionalists? One it represents a threat. It means a load more competitors. It puts products profits into the hands of the consumers. It means less sales bonuses for them and less margins for the middle men. It means the wealthy can lose control of markets that they previously dominated. Who would you be more scared of – another multi-national with a sales team of 100 people, or a MLM with 100,000 non-professional sales people? Genuine people power has always frightened those in control of both the power and the purse strings. Why would you give the profits to the consumer instead of the share holders? Of course it rattles their cage – it threatens their very existence. Instead of a CEO earning millions for doing nothing, he/she would actually have to get out there and prove that they could sell a product to be successful. Hugely frightened for someone relying on their degrees and old tie network to get ahead.

Multi-level marketing and network marketing is also hated by the traditionalist because it frees people from slavery to a forty hour working week. They love people to be in credit card debt. They love people to HAVE to go to work to survive. They love people having big mortgages. They love people being CONSUMERS. They don’t want consumers to turn into producers. It spoils there party. They don’t want people to be free to from the “traditional” working (slavery) model.

At the end of the day it doesn’t matter what the naysayers say about MLM, the only thing that matters is can you succeed at MLM.

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Source by Alastair Harris

Views: 0

February 2, 2020
Recreating Lindsey Buckingham’s Signature Sounds – Big Love

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One of the less well known guitarists of the last entry is Lindsey Buckingham of Fleetwood Mac. Newer guitarists may not be familiar with Buckingham, but his style and sound inspired several generations of guitarists. He’s probably most well known for hist signing, songwriting and production skills, but his guitar playing was instrumental in Fleetwood Mac’s success, so it’s worth taking a look at. I’m going to take a look at his sound and give you an idea of the kind of setup that’s required to reproduce some of his signature sounds.

The first thing that makes Buckingham so unique is the fact that he uses a fingerpicking style. Originally a Banjo player, Lindsey Buckingham made the transition to guitar, and his virtuoso performances are a signature sound of Fleetwood Mac. Buckingham plays bass lines with his thumb while he uses the other fingers to voice melodies and sweeping arpeggios. The resultant music is truly original and inspiring.

Looking at his setup, one thing that you’ll notice is that he has a truly unique axe. His Turner electric is not a guitar that has much fame, outside of Lindsey Buckingham. It’s shape, distinctly violin like, is one of the most unique features of the guitar. You will also find Buckingham playing an acoustic on various tracks. There’s nothing especially important to be said about his acoustic, other than the way he plays the instrument.

There’s one performance in specific that I’d like to analyze. During one particular Fleetwood Mac reunion, back in 1997, Buckingham performed the song “Big Love”, playing a Gibson Chet Atkins sold-body nylon string guitar. The reason that I’ve chosen this one is because of the unique sound that he got using that particular guitar. You can actually recreate this sound, even if you don’t have this particular axe. Using your acoustic electric guitar, I will show you how to simulate this sound using your guitar and a few simple effects.

In order to simulate this sound, you’re going to need delay and reverb. If you have an amp with these effects built in, that will do just fine. For the delay time, you’re going to want to set it around 125 milliseconds. You’ll need to be able to adjust the blend on the delay, adjusting it to be mostly the direct signal. This is important because when you’re soloing and playing intricate melodies, you don’t want the delayed notes muddying down the sound you’re trying to create. If you’re using a delay unit, such as those built in to some amplifiers, that only allows you to adjust the delay time by tapping a button, you may find it difficult to get the exact sound that I’m trying to teach. You can play around with the settings to see if you can get a sound that’s similar or just use this guide as a way to get ideas for new sounds.

Another adjustment that you may want to consider, if you have a nice delay, is to roll off some of the high end from the delayed signal. Again, this is to make sure that your original notes really sing through. As for your reverb, you’re going to want to reduce the size of the room to around 35 percent. If you’re not allowed to change the room size, don’t worry, just know this is going to be more of a creative exercise for you, rather than an all out recreation of the original sounds of Buckingham. Finally, you’re going to want to roll out a good bit of the midrange from your amplifier (or board if you’re going directly into one). This is going to keep things crisp and clear when you’re really laying on the notes.

While using built in effects are limiting, you can get a unique sound using this guide. For those with a nice effects board or pedals that allow them to adjust all of these settings, you’ll find a deep airy sound is the result of these settings. This is great to add some depth to a track where the main guitar part is played on an acoustic. If you haven’t heard the version of “Big Love” that I’m talking about, get on the net and look for videos or recordings from the ’97 Fleetwood Mac reunion show. It’s truly worth your time & is a great performance! Good luck & happy guitarring!

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Source by John T Halbert

Views: 0

February 2, 2020
Why Jock Itch Might Lead to Lower Sex Drive

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Jock itch. It’s not a welcome visitor for any guy. Even when a dude is really cautious and careful about his penis health, doing everything he can to avoid an itchy penis, he might still end up with a lousy case of jock itch. And while guys all know about the itchiness and discomfort that come with this condition, not all are aware that jock itch also has the potential to affect a guy’s sex drive – and not in a positive way either.

What it is

Known among the medical community by the name tinea cruris, jock itch is a common fungal infection that affects areas of the body covered by or in close proximity to, the area where an athletic supporter is commonly worn. In other words, the penis, balls, inner thighs and buttocks are the most common sites to be afflicted by jock itch.

It presents as a red, itchy rash; frequently the rash is ring-shaped and raised around the circumference. Often it is redder on the edges and a lighter red on the interior of the ring. Sometimes the ring will have a half-moon shape rather than being round.

Fortunately, jock itch is not serious; however, it can bring forth an itchy penis that is extremely annoying. In some cases, a man can scratch the itch so ferociously that the area can become infected.

Jock itch is highly contagious and caused by the same fungus that causes athlete’s foot. So, for example, a man may get it from sharing a towel or clothing of a man with the fungus (either in the form of jock itch or athlete’s foot).

The sex drive connection

A man with jock itch may find that it has a negative effect on his sex drive. Often the reason for this is psychological. When a man has an itchy penis or scrotal area that sports examples of tinea cruris, it may deter any potential partners from engaging with him. It may also make a man feel self-conscious and worried that his formerly glorious penis has become diseased-looking and unattractive. This can in turn make him feel unappealing, a sentiment that may stay with him even after visible signs of the condition have disappeared. His sex drive may suffer as a result.

However, sometimes the decrease in sex drive may be due to the treatment employed to rid himself of his jock itch.

Many doctors recommend the use antifungal powders or creams as a means of treatment. These are often very effective. But at least two common antifungal medications – clotrimazole and ketoconazole, which are found in many medications – can be lower sex drive culprits.

Why? Although large scale studies have not been conducted, animal studies do indicate that use of these ingredients in males can lower testosterone levels. Testosterone is created mostly in the testicles and plays a significant role in bone density, muscle development, fat distribution and, of course, sex drive. Essentially, the more testosterone a man produces, the heartier his sexual appetite.

Fortunately, the effects of these medications on testosterone are temporary; after discontinuation of the treatment, a man should see his sex drive return to normal – and, of course, not all men will see an appreciable difference.

Treating jock itch is crucial, even if the sex drive is temporarily affected. The itchiness associated with jock itch is often alleviated through the use of a superior penis health crème (health professionals recommend Man1 Man Oil, which is clinically proven mild and safe for skin) with a combination of a high-end emollient (such as Shea butter) and a natural hydrator (such as vitamin E). These two ingredients hydrate the skin and create a moisture lock which helps reduce common itching. Keeping the penis skin healthy through the use of a powerful antioxidant is also advised. A crème with the antioxidant alpha lipoic acid is well poised to fight the free radicals that cause oxidative stress in penis skin cells.

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Source by John Dugan

Views: 0

February 2, 2020
Rich Dating Tips for Wealthy Single Men

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We’ve all noticed that a man with great wealth will grab an opportunity intimacy, or in any relationship, because he will show off his wealth. When everyone are killed for their money, the rich guys will directly hurt themselves because he always mentioned his wealth in the conversation which he revealed his financial situation to others by implication.

But wait? What do you mean? How could a man’s dating life be affected by his money? Money means he can bring women to beautiful places. That means he can go to the high-end clubs and the best bars. What’s wrong with money? Money itself does not harm anyone’s intimate life. Money will help when used properly. But the fact is that rich people habitually put their value on wealth.

The rich man subconsciously thinks he is valuable instead of judging himself, because his attributes helped him create wealth. It’s never about wealth, but it’s about forgetting that men are themselves who is attracted by women. Her money can’t be evoked and can’t really fall in love with him. In addition, who wants to be “loved” as a bank account? Here’s the antinomy: making money requires a lot of thumbprint that women crave: discipline of determine diligence. I’m sure the women who read this article agree that these characteristics are highly affinity to their boyfriends, partners, or husbands. But when a man talks about his money, his achievements, or his social status, he puts his foot under his feet. Any high quality woman who heard the noise ran to the mountain at once. She soon saw an overly compensated “show off” man who take no account of himself.

What should rich guys do? Start with some funny jokes. Start with entertainment. Forget your achievements. Bury your achievements and your possessions in the deepest part of your heart. When he meets a woman you like, it’s wise to focus on the emotional side rather than show off your wealth. Flaunt will only make her feel that you are a proud as Lucifer idiot, moreover, you can easily be used by bad guys, finally you will not only lose wealth but also love. Because it’s a secret: women are attracted to men, based on his feelings, far beyond his worth.

So instead of telling her you’re worth $1 million, let her go through a period where she feels like she has $1 million. For any man, whether there’s money or not, that’s how you catalyze your rich dating life.

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Source by Jennifer Anna

Views: 0

February 2, 2020
Here Is Why Everyone Needs Health Insurance

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Today, healthcare insurance is one of the hottest political topics. Everyone is asking who should be able to have health insurance, what will be the costs of it, can you survive without insurance and what will be the penalty? In this article, we are going to help you know the reasons why everyone needs health insurance.

Life is Unpredictable

While the spontaneity of life is pleasant, know that your health and budget may be hit hard due to unpredictable circumstances. Major health illnesses like diabetes, cancer or HIV have high medical costs. If you don’t have health insurance, the cost of these medical treatments may ruin your credit rating. As a matter of fact, medical bills is one of the reasons why many people go bankrupt.

Regardless of your circumstances, it’s important that you have insurance. You have no idea what is going to happen in your life down the road. We hope that nothing bad is going to happen in your life but it’s great to have peace of mind by signing up for an insurance policy. This will give you the peace of mind that your medical bills will be covered, and that you won’t go bankrupt.

Maintain Your Health

In your life, your most valuable asset is your health. Most of us take insurance as a type of financial support we get in the event of an accident or illness. However, it’s important to keep in mind that it’s equally important to maintain good health. If you eat well, you can stay in good shape.

If you don’t have insurance, you won’t need to go to a doctor for medical checkups. Actually, a health insurance policy enables you to benefit from the “preventive care”, which is part of most plans. What you can do is see your qualified doctor for checkups and take part in other benefits like health screenings. This can help you maintain your health. Also, the insurance policy plan you have chosen can help you find out what is included.

Reduce Your Costs

It’s important to keep in mind that insurance providers offer special rates for doctors who are part of their network. So, if you have health insurance, you can reduce your medical costs significantly.

Avoid a Penalty

Aside from saving on your health care costs, an insurance plan can help you avoid a penalty as well. Today’s health insurance laws have a requirement that you should have a health insurance plan or you may have to pay a penalty for the month for which you or your partner or your tax dependants don’t show that they have the minimum coverage. And typically, this fee is based on a person or household income whichever is higher. This penalty can be avoided if you have health insurance.

It’s important for everyone to have health insurance. After all, you have no idea what is going to happen in the future. You can enjoy the best health care provided you get the right insurance policy.

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Source by Shalini M

Views: 0

February 1, 2020
Trading Indicators: Fundamental or Technical Analysis?

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One of the key indicators for a successful Forex trade is by correctly predicting the upcoming price movement of a market.

There are various strategies that are used when trading. Some traders follow patterns and some follow the various news to guide them in their decision-making. But these strategies are still categorized if it uses technical analysis or fundamental analysis. Some traders use fundamental analysis, some use technical analysis, some even use a combination of both.

As a trader, it is important to know this two analysis. It can help bolster strategies which can further provide consistent profit for your account.

Technical Analysis

Technical analysis is a methodology that forecasts the direction of market prices through the study of historical market data. It is one of the most common methods in trading. This analysis is very easy to learn and it is well-known to numerous traders especially those who prefer day-trading. Many people think this strategy is some sort of a trading hack because of its high probability to give profit.

This analysis uses various equations which are applied to personal charts. These equations are known as indicators – data that measures market conditions to calculate economic trends. These indicators provide historical information for a particular market. It presents the history of price actions and price volumes of that market.

To effectively use this analysis, a trader must understand how to use various indicators such as Relative Strength Index (RSI), Moving Average Convergence-Divergence (MACD), Money Flow Index (MFI), Stochastics, and many more. Profitable Forex traders often use many indicators when trading. These indicators illustrate historical data in a particular aspect. Despite its useful method, this analysis does not guarantee a 100% prediction of the price movement of an asset.

Fundamental Analysis

Like technical analysis, fundamental analysis attempts to forecast the price movements of a particular market. One of the most popular traders who use fundamental analysis is Warren Buffet. Traders who excel in using this analysis claims that this methodology showcases a wider view of the upcoming price movement of a certain market.

When trading in Forex it is essential to learn about fundamental analysis. This analysis presents key economic indicators of the market. It is also one of the vital factors in analyzing the eight major currencies that are traded in the foreign exchange market (USD, EUR, GBP, AUD, CHF, JPY, ZAR, & NZD).

Here are some fundamental analysis traders should always check: Central banks’ Interest rate decision, Employment Reports, Customer Price Index (CPI), and Gross Domestic Product (GDP). These reports will always affect a currency’s price.

Another factor when using fundamental analysis is the economic calendar. This calendar indicates upcoming economic events. As a trader, it is important to always be aware of the worldwide economic happenings. Being caught in the wrong position after an economic announcement is a trader’s worst nightmare.

Are you ready to trade now? You can create a demo account or start trading with us here in Millennium-FX.

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Source by Stephanie Torres

Views: 0

February 1, 2020
Discover How to Become Rich, Famous & Successful With a Modeling Career

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The road to becoming rich, famous and successful in modeling is not for everyone though. In the old days you had to be extra extra skinny in order to become a rich and famous model. Today however there are far more modeling avenues that entice many looks and body types.

You may have looked at a fashion magazine and have a pretty good idea of what modeling is. To get a good look into the requirements of modeling you may want to catch an episode of Americas Next Top Model. Most of the models on the tv show are high fashion models, but you may be wanting to get into another type of modeling like plus size industry. Modeling is everywhere we go and look. Only you know what kind of model you could be but be truthful with you self.

Before you jump into pursuing a modeling career you need to make sure your are doing it for the right reasons. If not you will misguide yourself and will not make it to where you want. If you think modeling is a good way to jump start your singing or acting career you best think about it again. People with this attitude rarely make it very far in modeling. All the top modeling professionals frown upon people like this everyday. To become rich, famous and successful in a modeling career you will need to have dedication and passion.

If you are male you will need to step outside of your shell to succeed. You see more female models than you do male models. Do not let this get you down by thinking you have to display big muscles. Modeling has went through many changes since the early days. Over time new genres, styles and looks have been added with even more on the way. You just might have that new style consumers are trying to find. You just never know in our ever changing world.

To be successful in a career of modeling you will need a high level of self confidence and ambition. No matter if you are female, male or what your body type is. When you enter into modeling you will have to work extra hard to be be transformed into a popular well known face. Be careful not to get ties up with an agency that does not treat or handle their clients honestly and respectfully. Every good agency will not need you to give them money. They will earn money once you land your first modeling gig.

When you find open calls make sure you go and do not talk yourself into not going no matter what you are thinking. Just do it. You see an open call is just as good as open houses where interested models are invited to be interviewed. You need to dress in clothing that will exhibit your body type and features. You will also want to pick an outfit out that is fashionable. This is your chance to prove yourself to the representatives of the agency. You will not stand out to them if you just wear your normal everyday clothes. To become famous you have to act like your famous in order to become rich, famous and successful in modeling.

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Source by Dennis J. Cole

Views: 0

February 1, 2020