Theathens Directory

As we approach the warmer days, most of us, men and women, are looking in the mirror and saying, “Ya gotta buff up – and – lose some weight!” For some of us, this is a yearly routine. Too much holiday food and cheer, along with excessive couch-potato-ing. Here we’ve got some good news for all of you. Not only can you achieve your goal, but it needn’t cost you a penny! A newish phenomenon is sweeping the net – free weight loss exercise programs! One of the two most obvious reasons for the popularity of the free weight loss exercise programs is that it’s free for everyone. The second, most compelling reason is undoubtedly that these programs work. You can see that there’s absolutely nothing not to like!

There are many terrific, well-organized sites which provide visitors with specific exercises, be they aerobics, weight-lifting or Pilates, with diagrams of the movements and a synopsis on the sidebar which tells you which muscle group(s) the exercise benefits. The best sites always offer variations to accommodate your level of physical fitness, your relative strength and any physical limitations (a bad knee, injured back) you might have.

Many of these sites also offer recipes and general dietary guidelines to keep you on the straight and narrow.

When you’re searching out some prospective candidates for your free weight loss exercise program, you needn’t limit yourself to online sites. Remember, you can also check out exercise routines on DVDs at the library. The idea is to explore the possibilities and choose a program you find appealing – that’s the one that you’ll be likely to stick with and achieve your goals.

Now, before you make your final choice, it’s important that you pass the program’s workouts by your health care practitioner. Common sense should play into your decision as well. Don’t make the mistake of choosing a program that you’re pretty certain would be taxing, if not grueling, given your abilities, strength and any limitations. Consulting with your doctor should result in a good choice for you. After all, the free weight loss exercise program is – well – free. As you master one program, you can advance to another which now best fits your current level of physical fitness.

Once you begin your weight loss exercise regimen, just remember to take it easy – work in to each routine, until you feel comfortable performing each of the movements. In order to gain the maximum benefit of any given exercise, pay close attention to the proper placement of whatever part of your body is doing the workout. Exercises are constructed to challenge and build certain muscle groups. When you do them correctly, you tone up more quickly – not to mention shedding those unwanted pounds faster!

When you opt for a free weight loss exercise program to get you in shape, the only investment you may need to make is for sweats, or shorts and tees, depending on the season, as well as a good fitting pair of shoes which provide good traction. If you already have these items in your closet, you’ve got to agree this is the cheapest weight loss exercise program around!

When you stop to think of the many expensive weight loss programs and fad diets, it really does only make sense that a free weight loss exercise program that provides you with all the guidance you’ll need, approved by your personal physician is much more likely to succeed. Save that money for a fabulous new bathing suit!

By: Melain Earcher

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The next time you visit a health care provider make sure you are paying the contracted rate and you are in network. This will help you save money and ensure that you are getting the benefit from your health insurance.

#1 The Contracted Rate

The contracted rate is a critical component of the insurance industry. In my opinion it is the single most important aspect for why everyone should have coverage. The usual and customary charge by any physician, hospital, pharmacy, or lab facility is a fraction of what the charge is with health insurance versus not having coverage.

The contracted rate is the negotiated rate agreed upon between your health care provider and the insurance company. Your portion is only a fraction of what the total bill may be. This is what will save you thousands of dollars the next time you need an expensive procedure. The balance of the claim for that expensive procedure is written off.

Example #1 the cost of a covered service at the hospital is over $30,000. Mr. Smith receives a final bill totaling $1,500 and the rest of the balance is written off due to the contracted rate.

Note: A list of covered services is found in your evidence of coverage when you were approved for health insurance. Call your health insurance company for a copy if you do not have a copy at home.

Example #2 Mrs. Jones goes in for knee surgery. The claim is for $8,800. Mrs. Jones only pays $1,100 and the balance is written off due to the contracted rate.

While many will argue that the cost of health insurance is expensive, the cost of receiving the health care you need without health insurance is astronomical by comparison.

Make sure that you pay the usual and customary rate or contracted rate on all of your health procedures and health claims every time.

One way to ensure that you are paying the contracted rate is to work with a licensed insurance agent in your state. This agent will also help you with your claims as well.

And remember, always stay In Network.

#2 In and Out of Network

When you are In Network, the health care provider accepts your health insurance.

Hospitals, your doctor’s office, labs, specialists, your pharmacy, and any health care provider you visit must accept your insurance for you to receive the contracted rate.

Staying In Network ensures that you pay the contracted rate.

The very best way to ensure that your health care provider accepts your insurance is to simply ask them and confirm. Remember, you will not get the contracted rate unless you are In Network.

A second way to ensure that you are In Network is to verify with your health insurance company or your licensed insurance agent.

Your insurance company can help you by mailing another copy of your coverage benefits summary along with a directory of health care providers that will keep you In Network. Your licensed insurance agent will also have access to the information in case you cannot find your doctor in the directory that your insurance company provides you.

Now, if you go “Out of Network”, it means that the health care provider you visit may not accept your health insurance coverage that you are paying for. In this case the visit will be very costly to you.

In most instances, going Out of Network will cost you more than twice the amount had you stayed In Network.

This day and age health insurance companies do such a great job in growing their network that you can travel outside the U.S. and still visit a health care provider that is In Network.

A company like Blue Shield automatically enrolls you into a plan that will allow you to carry an insurance card outside of your state or outside of the U.S. so that you are In Network in case of an emergency.

To find out if you can stay In Network the next time you are travelling outside of your state or outside of the U.S. simply contact your health insurance company and ask.

Final Thought

Now, more than ever, it is important that you educate yourself on the topic of Health Insurance in this country.

DO NOT GET LOST IN THE POLITICS AND THE MILLION AND ONE OPINIONS HEARD DAILY ON THE NEWS!

These people are not in your living room helping you understand how best to plan for your healthcare needs this year. Make sure that you always stay In Network and that you are paying the Contracted Rate.

By: Ludwing Demorizi

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As an NAET Allergy Practitioner I do allergy testing using Applied Kinesiology or muscle testing, and NAET (Nambudripad’s Allergy Elimination Technique) Allergy treatment using Acupressure. The results from testing can sometimes highlight some little known allergens that surprise many of my clients. Once identified, the NAET treatment can be used to desensitise the person to the allergen.

People come with various conditions including Asthma, Eczema, Hay fever and IBS. Testing people for the first time using muscle testing is always entertaining as you watch their expressions as the strength in their arm changes when I give the various NAET allergy vials to hold. Their expressions usually start of with them looking at you as if you are a Martian with three head and change to puzzlement and intrigue. The next interesting part is when you tell them what allergens are causing their symptoms.

Below are a list of my top five with the conditions they are linked to.

My number 5 is Pollen. Usually associated with Allergy related Asthma and Hay fever but can be linked with heartburn and indigestion.

My number 4 is Formaldehyde. Found in Exhaust fumes and paints and sprayed on new clothes as a preservative. Common allergy related symptoms include ADHD, Asthma, Eczema, and Hyperactivity.

My number3 is Plastics. Especially soft or thin plastics used to make bottles, tubs and packaging. Common allergy related symptoms associated with plastics include fatigue, Endometriosis, IBS, infertility, nausea, and rashes.

My number 2 is Artificial Sweeteners. Found in toothpaste, diet drinks, medication, sweets, chewing gum…. they get everywhere! Common allergy related symptoms/ conditions associated include ADHD, Autism, Hyperactivity, Learning difficulties, and Multiple Sclerosis.

My number 1, and enemy of the people, is Fluoride. Found in tap water (especially in North America), toothpaste and tea leaves. As well as being a common allergy for many people, fluoride is also toxic to humans. It does act as a fairly effective antibacterial, so can help the built up of plaque on teeth, but its toxic and allergy effects far out weigh its benefits. Some of the common allergy related symptoms I have found linked to fluoride allergy are a Depression, Hyperactivity (especially in children), infertility, joint pain, Osteoporosis, and panic attacks.

By: Dominick Hussey

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Everyone wants to have that perfectly toned body. Who would not want to be able to walk down the beach and know that they look fantastic? Having a tone body is entirely different than being slim and wearing a size 2. In order to tone your body, you need to do more than just burn calories. You will also need to introduce certain exercises into your workout plan.

When you add these exercises to your workouts, you will start to see a change in the tone of your body within two weeks. This will not be an easy process. Toning your body will take sheer determination and good old fashion hard work. One way to put your body on the right track is to cut back on processed foods and refined sugars. This means you will want to cut back on white bread, white sugar and white rice. You will need to entirely remove candy and sodas from your diet. Instead, you will want to replace these foods with complex carbs; such as whole wheat and fibers.

After you set your diet in order, you now have to design a workout plan that is tailored to tone your body. Your workout plan will need to include the following exercises.

1. Push – ups – go back to the trusty old standard push up. Lay face down, raise yourself on your hands then lower yourself. You will need to do as many push-ups as you can in about one minute.

2. Sit – ups – start by lying on the ground; bend your knees so that you feet are flat. Placing your hands behind your head, use your abdominal muscles to raise your shoulders and back off the ground. You will want to continue to do this exercise for at least one minute.

3. Squats/calf raises – you want to start from a standing position, squats down with a straight back, and stand again. Make sure your thighs and knees are parallel to the ground. Repeat this process for a minimum of two minutes.

4. Triceps dips – you will want to begin by sitting on a bench or a chair. Place your hands next to your hips and lift forward. Bend your elbows to dip the hips before below the bench or chair before rising again. You will want to repeat this process for 30-45 seconds. Keep in mind that triceps are a weaker muscle, and they will get tired quickly.

5. Leg lifts – start on all fours (yes, you will resemble a dog). Lift your leg until it is level with your body. Hold this position for five seconds. Repeat this for a minimum of 30-45 seconds.

You will need to reorganize your workouts so that you can do this circuit training at least three times in a row. You will need to do this circuit six days a week. Toning your body is a commitment that requires a lifestyle change.

By: Alex Fir

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I am sure you would all agree with me when I say the best things in life are free. One thing that is getting really annoying is how expensive weight loss diet programs are getting. In this article, you are going to learn how to set up some free weight loss plans for yourself. The reason it is free is because you are the one making it. You can create a plan for yourself better than anyone else, so why not save yourself some money and get better results!

1-Believe you can actually do it

I know the majority of you out there are not going to like this tip very much because you may feel as if it is useless. But believing in yourself is one of the main reasons people succeed in this world. If you do not have confidence that you are going to win this battle with weight loss then you are probably not going to lose any weight.

2-Know how to exercise

The next thing you need to do when creating free weight loss plans is to actually create your workout program. Typically, it is best to do weight training on Monday, Wednesday, and Friday, then cardio on Tuesday, and Thursday. Make sure your exercises include the squat, bench press, dead lift, military press, and straight leg dead lifts

3-Get your diet in order

You can be exercises all day, but if your diet is not correct then you are just wasting your time. You need to through away all the three C’s, Chips, Cookies, and Cokes. Get rid of all your sodas and any type of candy or cake.

By: Ben Ross

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