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Tag: Issues

Can Drug Users Get Life Insurance?

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Drug use in Canada is prevalent to non-existent depending on what you define as a “drug.” Eleven per cent of the Canadian population “has a problem with drugs or alcohol” according to a CBC survey, but this does not include people who use drugs recreationally without “a problem.” That number, especially when you include alcohol and cannabis, is much, much higher, and if you include only people with classically-defined addictions to the illicit drugs, such as crack cocaine and heroin, the number is much, much lower.

In general, the way insurance companies approach drug issues is based on two major questions: is the potential client using prescription drugs provided through the proper channels, or are they using drugs outside those channels, and therefore statistically vulnerable to certain liabilities.

For the former, these questions are often discovered in the background checks and medical questionnaires provided by insurance companies prior to developing or offering a policy. Naturally, some drugs have effects on a person’s life expectancy and prospective quality of life, and others come with certain health risks, even when provided by a healthcare practitioner. In these, instances, an insurance company will take into account the medical issues being treated by the drugs and the effects of the drugs themselves in developing a policy, but a policy can usually be provided by most major health insurance providers.

For those who use illicit drugs, the options are generally more difficult. Usually, insurance companies are hesitant to provide policies, many are even wary of providing low-cost options for people who smoke cigarettes.

Luckily, there are some options still available for drug users, especially those who use illicit drugs. Remember, many policies will not cover complications that occur because of illicit drug use, and not disclosing such information when asked can constitute insurance fraud, which can be a severe crime that includes heavy fines and possible jail time.

In general, illicit drug users have only one option when it comes to life insurance opportunities: simplified life insurance policies that do not require medical questionnaires. This is changing as more and more insurance providers offer products specifically designed for the “hard-to-insure” market. Simplified insurance plans often require only simple medical questions that do not include questions about drug use.

No medical life insurance policies vary widely from carrier to carrier, so it is beneficial to research these plans before contacting them to compare potential rates and coverage. You can also ask your insurance broker to make an informal preliminary inquiry before you submit a formal application. Informal preliminary inquiries are non-binding and can give you an idea of whether your application would be approved as standard, declined or rated. Bear in mind that insurance providers may offer plans with coverage on day one or with a two year waiting period depending on your situation.

If you have used or are using illicit drugs and require life insurance, it is important to discuss your options with an insurance broker who has your best interests in mind. With the right team behind you, the right policy can be found.

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Source by Jack Tereshkov

Views: 0

July 29, 2022
The Unpaid Internship: Is Your Business Ready for It?

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Spring is just about upon us and that means that college kids will be let for a well-deserved. It also means that many of these young people will be looking for internships to train them and give them necessary skills as well as experience in the business world.
The Federal government has responded positively to the notion of unpaid internships by allowing more flexibility for companies who wish to benefit from unpaid interns which in turn allows those 'hired' for the position the opportunity to expand their potential for a well-salaried job in the future.

The Fair Labor Standards Act discussion the conditions that a business can allow interns to work without pay. It involves the terms and stipulations listed below.

Conditions in Accepting an Unpaid Intern

1. The unpaid intern must benefit from a training program that is similar to that of a schooling circumstance.

2. The intern partnership is more advantageous to the intern than to the business he or she will be working for.

3. The hiring business owner will not get immediate value form the partnership situation.

4. Both the business owner or manager and the intern understand that payment is not a mandatory issue.

5. The job that the intern is given will not result in another staff member's dismissal.

6. There is a clear message from the business owner to the intern that a salaried job is not guaranteed after the internship has been completed.

If the business owner fails to adhere fully to any of these terms, the intern cannot work without pay: he or she must earn minimum wage with standard tax with-holdings taken off the paycheck.

Notwithstanding the above prerequisite conditions, business owners should take into account the exposure faced when employing an unpaid intern.

This may include potential lawsuits or workers comp issues.

As such, business owners should answer the following important pertinent questions:

• Will the business's Workers Compensation or Commercial General Liability insurance pay for related expenses of an unpaid intern's injury incurred at the workplace?

• Does the intern's college have sufficient liability coverage to cover potential damages or losses made by the intern?

• Does the business Employment Practices Liability coverage protect the company in the event the intern will sue for any reason?

• Does the intern clearly understand his or her work requirements?

• Is there a document signed by the intern about job duty, no pay, hours required at the job and calendar work dates?

Be sure to contact an experienced independent insurance agency about any other issues in the business / unpaid internship relationship.

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Source by M Wyzanski

Views: 0

July 29, 2022
Advantages of Online Doctor Consultation

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What will you do when you feel ill or suffer from any medical ailment? Without any second thought you will set an appointment to go all the way to the doctor’s office to sit and wait to get treated. Does it sound time-consuming? It is a well known fact that this is an internet age, where almost all the things are done online. Yes, today you don’t need to go to any clinic to see a doctor because an array of fully qualified licensed doctors is available online with whom you could make online appointments.

This service considerably plays an excellent role for those who pay too much care for basic medical issues such as athlete’s foot, bronchitis, sinusitis and many other simple illnesses. Using this service not just saves your time and money but also helps you to get acute medical issues treated. An online doctor is polite and friendly and encourages patients to ask questions about various health concerns and get their doubts clarified. Now, patients can stop making repeated visits to the doctor’s office for the treatment of acute simple conditions. The detailed consultation report and explanation helps the patients to understand clearly and work towards improving their health.

Some of the benefits of online doctor consultation are listed below:

• Alternatively, online medical consultation service is also known as “telemedicine service”. It serves as a great resource for those who have limited conveniences and who are too sick to leave the house to go to the clinic and visit the doctor. In this busy scheduled world, most of the people would be on the go and would be away from home. Therefore, they may find it difficult to fix an appointment with their desired specialists. Don’t worry! Now, you could schedule an appointment with your choice of specialists from the comfort of your home or any other places any time of the day.

• All the patients are valuable and receive the same care as they would get from the clinics. The dedicated professionals with ready access to state-of-the art online medical services render high quality care for the needy patients.

• Additionally, online medical consultations and prescriptions are available wherever you happen to have internet access and a computer or other internet-connecting device.

Most of the patients suffering from minor medical conditions such as cold, ear infections, insomnia, rashes, flu, etc show negligence in getting a proper treatment and in visiting a doctor (since it is a time-consuming process). Therefore they tend to keep delaying the essential health check. But now, an online doctor consultation service will make it easier for them to get these diseases treated.

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Source by Anitha Hari

Views: 0

July 28, 2022
Types of Mental Health Services
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In the last few years we have gained awareness of the various needs that individuals with mental health issues need in order to achieve overall well-being. Many times, we talk about the importance of medication, individual counseling, family counseling, and, socialization.

Those are all of extreme importance when it comes to mental health but the one service that seems to be forgotten is care management. A lot of people attribute care management services to individuals who are aging or who have chronic medical conditions. Although, care management can be very helpful for those issues, we also see a huge need for intense care management for individuals who have a chronic mental illness and cannot get access to any services. It is not a secret that severe and persistent mental illness like schizophrenia, bi-polar disorder, and major depression can require intense care management and advocacy.

Just as a refresher, the duties of a mental health care manager include:
- Acting as a connector between the individual and the community resources
- Advocating on behalf of the individual so that he or she gain access to needed quality services
- Overseeing the care of an individual including medication management, doctors' appointments, therapy, psychiatric services, and anything else related to their care
- Connecting the client's family to support services such as individual, family, or group counseling
- Being an advocate if there is need for hospitalization to ensure the safety of the client and their family members
- Facilitating access to needed benefits
- Assisting the individual with navigating all the different services so that it does not become overwhelming for them
- Crisis intervention
- Alleviating family members of some stress regarding the care and wellbeing of their loved one
- Coordinating for advanced planning for the individual
- Connect individual with social services and programs
- Any service that the person may need the care manager will make that connection.
As professionals in the field of mental health, we see that families with loved ones living with a mental health condition often want an immediate and instant "fix" for their family member. It is important for them to keep in mind, that a mental illness is a lot like a physical illness that needs constant care. This is not to say that you cannot live a "normal" life with a mental illness however extra care is needed. In addition, as family members it is important to remember that you also have a vital role in the recovery of your loved one. The more involved you are, the more likely your loved is to recover.

There is a lot of value in having a care manager involved in the care of your loved one with a mental illness. A care manager will initially do a full initial assessment of your loved one's needs and wishes and will explore what services can add value to the life their life. They will explore the physical, psychological, social, and emotional well-being of your family member and will assess for possible gaps that need to be filled. For example, your family member may be living with schizophrenia and has been in and out of the hospital while being non -compliant with medication. Once this happens we know that your loved ones has probably had many psychotic episodes resulting in severe impaired functioning. Therefore. he or she may need home care services to assist with activities of daily living such. However, every case is different some more severe than others.

Another common case for care management is one that your adult child has recently been diagnosed with a mental illness and you as parents / family members do not even know where to start. In cases like this, the care manager steps in and coordinates for all initial care. When this occurs we often see a sense of relief in our family members as they often will say "I do not even know how I would have started this process without you". A care manager is also a huge support system for the individual as they now know that they have an advocate overseeing their needs and wishes.

It is important to remember that living with a mental illness or having a family member with a mental illness is nothing to be ashamed of. In addition, the diagnosis of a mental illness does not mean that the person's life is over as many people mistakenly think. We have worked with many individuals and their families as they cope with diagnoses like schizophrenia, bipolar disorder, major depression, generalized anxiety disorder, agoraphobia, and many others. The beginning of the process is usually made up of what we like to call growing pains full of discomfort. It is important to note that many of our clients with these diagnoses live normal lives but are able to do so because they gained access to the resources in the community. One very important step is accepting the presence of this new diagnosis and what it may mean. Another important step is realizing that you may need the help of psychiatric and / or home care services. It is important to act as early as you can, as early intervention can lead to the best results.

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Source by Tom Mike

Views: 0
July 28, 2022
Cost of Alcohol Abuse is Far Greater Than Drug Abuse in California, Says Study
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The misuse and abuse of alcohol and drugs can have various repercussions, not only on the individuals doing that and their families, but also on the society as a whole. One of its major consequences is financial burden. Besides causing health complications and raising concerns for public safety, alcohol and drugs cost the United States billions of dollars every year.

Like the impact, the economic cost of these substances varies immensely from one place to another. In fact, the cost of alcohol misuse is relatively far greater than the cost of drug misuse in most counties in the U.S. Since studies related to economic and social costs of alcohol and drug abuse are generally conducted at the state and national levels, this allows policymakers to better assess the problems within their jurisdiction and come up with countermeasures.

Similarly, a study, led by author Ted Miller and conducted at the Prevention Research Center of Pacific Institute for Research and Evaluation, sought to find out the consequences of alcohol and drug misuse in California and was published in the journal Alcoholism: Clinical and Experimental Research (ACER).

Alcohol abuse cost California $129 billion in 2010

The study highlighted the eye-opening economic burden of alcohol and drug related problems on the Californian taxpayer’s money across all 58 counties and 50 midsized cities. It was found that alcohol-related problems are more prevalent and costlier than drug-related problems in California. Moreover, both costs and repercussions varied greatly from one place to another. Some other findings are as follows:
- While alcohol-related problems cost $129 billion in 2010, which comes to $3,450 for every Californian, drug-related problems cost $44 billion in the same year.
- The highest per capita cost ($7,819) of alcohol problem was more than three times the lowest per capita cost ($2,588). Among the counties with drug-related problems the per capita cost varied between $608 and $3,786.
- The rates of alcohol and drug-related problems were found to be higher in the Californian cities. The highest per capita cost of alcohol-related problems in a city was $10,734, 11 times higher than the city with the lowest costs. Among the cities, the highest per capita cost of drug-related problems was $7,159, almost 19 times higher than the city with the lowest cost.
Correspondingly, the breakup of alcohol and drug-related costs are as follows:
- Crashes and accidents under the influence of alcohol cost $26 billion in 2010.
- Of the $10 billion cost borne due to violence associated to substance use, 73 percent was attributed to alcohol, while the remaining 27 percent was attributed to drugs.
- Of the $127 billion expenditure incurred due to other illnesses and injuries, 73 percent of the costs resulted from alcohol-related problems. Similarly, 82 percent of the $4 billion cost incurred due to nonviolent crimes were attributed to drug abuse.
- 74 percent of $2 billion incurred due to treatment expenditure was attributed to drug-related problems.
The study authors believe that the findings can assist policymakers and help the state in planning and allocating resources for substance abuse problems. In addition, this study provides a crucial tool for predicting and averting alcohol and drug-related problems, as well as a crucial means to plot localized cost estimates.

According to Dr. Miller, “Efficient funding of substance abuse prevention, enforcement and treatment hinges upon understanding the variation of alcohol and other drug problems from place to place. Because estimated costs combine data across many health and social issues, they provide an effective, comprehensible, and comprehensive measure for use in understanding how communities shape their distinctive social environments and for monitoring the effectiveness of our intervention strategies.”

Avoid the death trap

In 2010, problems related to alcohol and drugs in California led to 22,281 and 5,533 deaths, respectively. In addition, crimes related to alcohol and drugs were responsible for 350,000 and 164,000 deaths, respectively. These large and unsettling numbers are pertaining to only one of the 50 U.S. states, signaling a far greater magnitude of the problem.

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Source by Susan Navarez

Views: 0
July 28, 2022
Discover How to Write Articles and Make Money Online Without a Website

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Welcome to the world of stress free profits using the famous but very little understood and less used secret of article writing.

Content writing is one of the cool ways to make money online without a website if you know the secrets. There are many ways you can make money online with this writing business. However, for you to make money online from the business, you must first understand that content writing is a business on its own and a lot of people make money online from it everyday.

It is one of the freelance jobs available on the Internet where you can make money online as there is hungry market for the business. The internet is all about offering information to people. The hundreds of millions of websites and blogs you see all over have written content in form of articles, reviews, sales copies and profiles

The objective of most websites and blog owners is to make money from their sites by selling products, services and pay for click programs. The good news for you as a good writer is that all the above mentioned money making means lies on article writing.

Therefore, going by the number of articles involved, it is quite obvious that websites and blog owners cannot write these articles all alone due to lack of time. In fact, they never dare writing the articles themselves otherwise they may not have time to attend to other important issues. All they do is to outsource article writing job to freelance writers who do the writing for them for a fee. This is why writing has become a means of generating unending income online.

Fortunately, you don’t even need to invest a dime in the business for you to make money online without a website. All you need to do is to spend few hours a day to help webmasters and blog owners write the articles they need to promote their sites.

The volume of job to do is limitless and ongoing. This implies that there is always market for you if you are hardworking and dedicated. For instance, a client alone can keep you busy for several months. Depending on how fast you are in article writing, you can earn $2,500 monthly.

The Approach

1. You can be hired by people to write articles for them

2. You can create free blog and add contents to the blog from time to time

3. You can write articles for submission to various article directories for money.

These are some of the ways you can make money as far as content writing business is concerned.

However, you must be ready to follow the rules of the game and make a move to make money in this business. Consequently, do not just fold your arms, dream and relax but try to actualize your dream by working hard. Be fond of discovering opportunities in problems and do not be one of those who see problems in opportunities.

You will be at the same spot you are for years if you fail to make a move. Hello! Wake up from your slumber now and start writing articles to make money online fast!

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Source by Oluseyi Sogaolu

Views: 0

July 27, 2022
The 2 Fatal Mistakes Online Business Owners Make With Customer Service

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Customer service can make or break your business, and that couldn’t be more true when it comes to an eCommerce business in particular. When someone comes to your website to make a purchase, you have to realize that they are choosing you over thousands of other stores on the web.

What are you going to do to not only close the deal, but make sure they are satisfied after the delivery?

Having excellent customer service will be key, but you have to avoid these two common mistakes to make sure you can keep your new customer coming back time and time again.

1. Not Being Accessible

People have issues trusting stores on the internet these days. With so many scams out there, you have to show that your company is a trustworthy source for whatever it is you happen to be selling. One of the ways you can do that is by making your customer service department very accessible.

This doesn’t just mean listing a phone number in the header, which instantly adds credibility, it also means having other options that you can be reached through, like live chat, email, and even social media. By making yourself accessible, you give people reassurance that you’ll be there should any problems arise with their order.

And, in today’s world where a lot of people don’t have the time to speak on the phone, live chat is definitely the way to go in most situations. Have a chat box automatically pop up on the website so people can get in touch with you without searching for a hidden “Contact Us” link.

2. Not Following Up

The second biggest mistake an online business can make when it comes to customer service is not following up with buyers after they have made a purchase. You should invest in an email list and autoresponder to make sure that every customer is emailed a “thank you” for their purchase email, a delivery confirmation, and then a follow-up email a few days later to see if they like what they are getting.

This follow-up email is also the ideal time to ask for a review, which can help boost your reputation even more. If they happen to be unsatisfied with the product, you greatly reduce the risk of chargebacks or returns just by offering to make it right for them up-front. Instead, you might be able to settle with store credit or an exchange.

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Source by Jon Allo

Views: 0

July 27, 2022
Flexible Yoga for Backbone Pain Relief and Overall Health
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Are you above 40 and thinking that developing hip flexibility or spinal flexibility at this age will not be possible? If yes, then read on. Hitting 40 is not an excuse to deprive yourself of good health, stamina and joint-pain free life you really deserve. However, what is important is to understand and choose something that works. Flexible yoga, as the name suggests is what you can try for back and hip flexibility, which is what keeps your overall fitness in good shape.

What is flexible yoga

As mentioned in one of our previous posts that yoga is not just a set of asanas or postures, flexible yoga is also not just about physical suppleness. However, we’ll keep the topic limited to physical flexibility for now. The basic idea behind flexible yoga is to develop suppleness in muscles and joints by using the most suitable set of asanas. As your spine becomes more flexible, you start gaining more stamina and overall better health.

Pashchimottasana to make your spine supple

It goes without saying that yoga as a whole is highly effective to control and cure many muscle and mind related issues. However, people have their own preferences in terms of choosing the right types of yogic postures, which are effective depending on individual needs. Personally, I like Pashchimottanasa to make and keep my spine flexible.

Yoga for spinal suppleness
- Surya Namaskar-Sun Salutation (12-step sequence)
- Chakrasana-Semi-circular pose
- Bhujangasana-Cobra pose
- Ustrasanana -Camel pose
- Paschimottansana-Forward bend
- Balasana-Child’s pose
- Shashankasana-Rabbit pose
- Halasana-Plough pose
- Sun salutation-surya namaskar
Developing flexibility easily

There are various other postures and variations of the above mentioned poses. It all depends upon what suits you and fits into your hectic daily schedule. Starting with easy postures such as child’s pose or cat cow pose, which can be done immediately after waking up while you are still in bed, are highly effective for beginners. You can move on to tougher postures as your spine starts becoming flexible.

Easy posture for spinal flexibility

Stretching is highly effective for suppleness of spine, muscles and other associated organs. You can start your day with a few stretching exercises such as cat cow pose. This is the easiest way to start making your spine flexible in addition to kick-starting your day actively and relieving your neck or back pain, if any.

Make your spine flexible effortlessly

We have covered Bhujangasana previously, but there is also a simple variation of this pose, which can be also be highly effective in keeping your backbone flexible, digestive system strong and neck pain-free. Simply lie flat on your stomach and lift your head and torso supported by your elbows. You need not stretch fully like you do while performing full Bhujangasana.

Natural Stretch -Benefits of semi-Bhujangasana
- No special equipment, place or time recommended.
- You can do this anytime except after meals
- You can also read, write or watch TV if this posture
- Keeps your digestive systems strong
- Reduces big belly and helps in overall weight loss
- Makes your spine supple without having to do specific set of exercises
- Relieves and prevents neck and back pain
- Relieves tiredness and fatigue immediately
- Positive state of mind
- Stretching in any form is one of the most effective ways to develop spinal flexiblity which is highly recommended for overall health.
Stretching is one of the most effective ways to develop spinal flexiblity which is highly recommended for overall health.

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Source by Felix Godwin

Views: 0
July 27, 2022
7 Reasons Why Your Business Needs A Digital Marketing Strategy

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It’s a sad fact is that most companies don’t have a planned digital marketing strategy. They just go by the seat of their pants, doing a little here and a little there. But, if you develop a proper digital marketing strategy, you can avoid a lot of issues and create a more integrated marketing approach.

Here are 7 reasons why your business needs a digital marketing strategy.

1. Provides Direction and Focus

You’ve heard the saying that if you try to drive somewhere without knowing where you’re going, you won’t ever get there. Your marketing needs a goal and a plan to get to that goal, taking steps that you know work or testing steps to find out if they work.

2. Promotes a More Focused Brand Voice

When you have a plan, you can ensure that all your marketing materials (including images, content, and voice) match your brand. When you’re doing things at the last minute, it may not match. Having a plan is always a better approach to help spread awareness of your brand.

3. Assists with Developing a Strong Value Proposition

When you take the time to plan out your marketing strategy, it’s a lot easier to maintain your value proposition throughout all the different platforms.

4. Helps You Get to Know Your Audience Better

When you develop a digital marketing strategy, you need to do your research so that you get to know your audience better. Plus, you will check your stats more often, which will help you get to know your audience even better and how they respond to different offers.

5. Better and More Effective Marketing Integration

When you develop a plan, the great result is that you can more easily integrate all platforms together in a cohesive marketing plan that makes sense and gets results.

6. Avoids Wasting Resources

When you create a plan, it will help you avoid wasting anything. You’ll be able to see ways in which you can reuse content, graphics, and information to market across all your digital channels, without having to start fresh each time which can cause resources to be wasted.

7. Know Where to Optimize Your Efforts

When you write out the plan, you’ll notice gaps in it and be able to optimize your efforts better. You’ll test out landing pages, test headlines, test graphics, and find out what works best as you move forward with your plan.

This doesn’t have to be super-complicated to work. But, having a plan means you know where you want to go and have set goals with actions to get you to that goal. It also means that if something is not working to get you to your goal, you can change directions because you’re paying attention as to whether it’s working or not working.

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Source by Jon Allo

Views: 0

July 26, 2022
Women And Self-Confidence – Healing Women's Insecurity Issues Today

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Sound like a latte-in-the-sky dream? I mean the kind that could never happen in this lifetime?

Today, all that ends.

Let some new confidence with women understanding begin inside you, and beautiful begin being who you are to the core.

This program for women and self-confidence is exactly the kind of community of women friends you should meet. Its specialty is helping women exactly like you.

Heal those old wounds so you can break free from the past.

Stop feeling insecure and overwhelmed by other people's demands.

Pick up those shattered pieces of women's insecurity issues sitting around in your soul, heart and life and build something stunning and gorgeous with them.

It's like the Course in Miracles states, "Do not be afraid to look within you."

If you keep on beating yourself up OR ignoring it and hoping it will all solve itself, you can't pull yourself together.

Unleash the confident, Got-It-Together, GORGEOUS and RADIANT woman you were MEANT to BE.

There is nothing that feels better than having the total life confidence needed to be your real, luminous self.

It makes a woman undeniably gorgeous, and you don't have to be a super model here to be a confident woman.

It is life miracles of the highest order, and you deserve lots and lots of that!

Get YOUR life miraculously going again!

In a previous session I discussed other topics like how to realize more beauty and experience healthy weight loss without paying a fortune for a weight loss program.

And, imagine being able to turn the heads of men (AND women) as you walk into a room, radiating COMPLETE confidence and allowing your inner goddess to glow.

What if I told you that the universe is waiting to give you OCEANS of love?

Wave after wave of it!

A drenching, nourishing, sea of it!

You've built an emotional sea-wall that won't let it get to you, and here's the Truth:

Spark some sizzling hot romance EVEN if your relationship is flat-out boring right now (It takes mere SECONDS to put this to work for you …).

When you feel loved and confident

Don't deny your beautiful heart any longer. Unleash the miracle power of love in your life!

Yes, you can indeed change your love life and everything else, from PESSIMISTIC to PASSIONATE in a heartbeat.

You have what it takes to feel the POWER to go after your dreams, and you naturally ATTRACT the man of your dreams.

And if you're already in a relationship, you can build the kind of life together that most people only dream of.

Dating and relationships are so much easier (and fun!) Once you FINALLY start accepting love.

When you can FINALLY allow for to be given you love unapologetically from the world that's when your life and your relationships start to miraculously transform and you release all those women's insecurity issues.

Extend your inner beauty!

Begin right now in this instant to EFFORTLESSLY accept every kind of good and beautiful love into your life.

When women's insecurity issues have your life split apart in pieces all over the place, it's easy to feel defeated.

When frustration hooks up with unworthiness and they have a child called I AM SO TERRIBLY OVERWHELMED, confidence with women is difficult.

You know what I mean?

Wouldn't it be nice if you could let go of women's insecurity issues and get the JOY and BEAUTY of a woman who has her act together, as easily as ordering a latte with your BFF at your favorite coffee shop?

(Please note I always suggest searching the net for related material on how a woman with no dreams for the future can TODAY become a stronger confident woman.)

To your inner beauty shining forth!

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Source by James Nussbaumer

Views: 0

July 26, 2022