5 Lessons Learned: Services

How to Choose a Massage Therapist Admit it or not, not all the massages we’ve had before satisfied us. Either all we wanted was to relax and the therapist ended up digging their elbows into our back, or we actually wanted some deep work but the therapist started giving us a Swedish massage, which is, … Continue reading “5 Lessons Learned: Services”

How to Choose a Massage Therapist Admit it or not, not all the massages we’ve had before satisfied us. Either all we wanted was to relax and the therapist ended up digging their elbows into our back, or we actually wanted some deep work but the therapist started giving us a Swedish massage, which is, of course, much too light. It shouldn’t be like that again. If you’re careful in selecting your next therapist, you’ll have the one you really need. Below are important questions to ask your prospects: > What type of massage education do they have?
Discovering The Truth About Experts
Did they get it from an officially recognized/accredited school?
Getting To The Point – Massages
Is the school popular or virtually unheard of? > Do they have a license and are they certified? In certain sates, both a license and certification will be needed, but only certification is required in others. It’s way safer to go with a therapist who is not just formally trained but also these two credentials. > How long have they been working as a therapist? The more experienced a therapist is, the more intuitive they usually are. They will also more likely have a greater understanding of human anatomy and physiology, which can make them more effective in what they do. > Which client types do they specialize in, if any, and what are their general goals for treatment? Some therapists focus work mainly with kids, athletes, the elderly, and others with unique needs. Of course, you want to choose a therapist who is most likely to satisfy your own specific needs. > What modality is their favorite modality, and what are their personal beliefs when it comes to massage and healing? Some therapists like to give deep tissue massage, but others are more for the gentle approach – that is, letting the body heal itself on its own without the application of force. You must know the type of work enjoyed by your prospective therapist, as that will most surely have an impact on your experience with them. You can even ask them why they selected this profession. If you end up with a therapist who is passionate about their job, they will be able to give you a much better quality work than anyone who isn’t. These questions, aside from reading online reviews, can surely help in finding the best massage therapist for you. But in the end, the only way of knowing if someone is right for you or not, is to book a session with them. What’s great is that you may not have to go through an entire hour of trial massage. Book half an hour and then simply extend to an hour or an hour and a half if you want to. You might have found a good therapist by then, but if you’re looking for even more options, book another trial with another therapist until you end up with your perfect match.

Best Diet to Lose Fat – Four Foods to Maximize Fat Loss

If you have been wondering if there is such a thing as the best diet to lose fat, well there certainly is such a diet. There are four foods which, if included in your diet, will maximize fat loss for you.

Almonds – These are a healthy food packed with fiber, fat, and also protein. These are ingredients that will make you feel satiated for a long time and therefore it nicely curbs your hunger. The carbohydrate content is very low, the blood sugar levels are maintained at a low level and the food provides energy for the body. Because of its small size they are easily portable and can be carried to use as a weight loss snack, stored in your purse or desk at the office. This easily reduces the temptation to hit the candy machine when hungry.

Salmon – It has now been discovered that salmon is a perfect food to maximize fat loss because of the omega-3 long chain fats it contains. These are the best kinds of fats and do help in burning more fat.

Green Tea – This powerful food greatly impacts fat loss and general good health. The important ingredients in green tea, includes EGCG (for fat burning), antioxidants, cancer fighting compounds, and caffeine. It has been proven that the naturally occurring combination of caffeine and EGCG in green tea is responsible for the tea’s ability to burn fat. Two to three cups a day are recommended.

Broccoli – Last but not least is Broccoli. This food is widely considered another superfood and both the phytochemicals and antioxidants contained in the food have been proven to fight cancer. It is a low impact carbohydrate and is rich in fiber. The ingredient calcium d-glucarate serves the helpful function of binding with any excess estrogen in the body. It is suggested that you eat a lot of broccoli regularly – either fresh or frozen.

Every attempt should be made to eat these four foods regularly for maximum health and to burn maximum fat – together they form the best diet to lose fat.

Health Savings Accounts – How to Maximize Benefits

It is often said that growing wealth begins by making simple investments into a savings account over a prolonged period of time. But what would happen to the growth potential of that account if the money in the account could be invested in a high-interest yielding vehicle, such as a stock or a bond? Moreover, just how much money could one save each year if the money they invested into their savings accounts was actually tax-deductible?

The answer: consumers can save thousands of dollars each year simply by putting money into a specific type of savings account: a Health Savings Account, also known as a HSA.

What is a HSA?

An HSA is a specific type of savings account that anyone can open in just a few simple steps. Both individuals as well as families can open an HSA. The differences between an individual-coverage and a family-coverage Health Savings Account have to do with maximum annual contribution amounts to the account and out-of-pocket healthcare expense limits.

Like an IRA, the money that consumers set aside in their Health Savings Accounts can be invested in high-interest CDs, money markets, bonds, stocks, and more. However, contributions that consumers make to their Health Savings Accounts are tax deductible.

In order to have a HSA, participants need to be enrolled in qualifying high-deductible health insurance plans. There is a cap on maximum annual out-of-pocket expenses for these plans; for 2009, the maximum out-of-pocket amount for individual-coverage plans is $5,800 and $11,600 for family-coverage plans. The minimum out-of-pocket amount for a high-deductible health insurance plan for individual coverage is $1,150 and $2,300 for family coverage.

Health Savings Accounts and Taxes

Health Savings Accounts not only help consumers grow their savings, but they also provide generous tax benefits for Health Savings Account participants in a number of different ways:

1. Maximum annual tax deduction – The money that participants deposit in their HSA is deducted from their annual income, which reduces their annual income tax burden. For 2009, the maximum annual contribution that an individual who has self-only coverage can make is $3,000. For a family-coverage Health Savings Account plan, the maximum annual contribution for 2009 is $5,950. Additionally, participants can make catch-up contributions of $1,000 if they are 55 years old or older.

2. Tax-free medical expenses – Many individuals and families are unable to fully fund their HSA each year. The good news is that they can still receive tax benefits when they pay for qualifying medical expenses. In order to receive the tax benefits, these individuals simply need to open a Health Savings Account, deposit the minimum amount of money necessary to open the account, and then only deposit money when they need to pay for a medical expense. In a sense, they will simply filter money through the Health Saving Account instead of paying for healthcare expenses directly. Using this strategy, the money that they spend on healthcare is completely tax deductible.

3. Pay for medical expenses without the HSA and get reimbursed – Another strategy that allows HSA participants to maximize the growth potential of their HSA is to fully fund their Health Savings Accounts but pay for qualifying medical expenses out-of-pocket. At a later date, these individuals can simply reimburse themselves for their expenses from their Health Savings Account funds. Using this strategy, participants will be able to keep their Health Savings Accounts fully funded so they can maximize growth potential on their high-interest investments. The reimbursement is tax-free as long as it reimburses the participant for qualifying health related expenses.

HSA participants should keep in mind that the funds they spend on healthcare expenses are tax-free. However, they can withdraw funds from their Health Savings Accounts at any time to use for other expenses. When they withdraw money to use for other expenses, the withdraw is tax-deferred, which means that they will only pay taxes on the money once they withdraw it, but will not need to pay taxes on the growth within the account.

Opening an HSA is a wise choice for many individuals and families who are looking for ways to be financially savvy and save up to 50 percent in healthcare expenses each year. Opening a Health Savings Account is easy and simply requires participants to enroll in a qualifying high deductible insurance plan. By getting started today, HSA participants can start to save money, reduce their tax burdens, and grow their wealth in effective ways.

Get Yourself on Some Kind of Health Insurance for Pregnant Women

If you find yourself pregnant and are covered under a group health insurance policy (either yours or your partner’s), federal law dictates that you cannot be denied maternity coverage on the basis of it being a “pre-existing condition”. This means if you are on a group plan and your company switches provider, you change jobs and go to a new provider, or you wind up on your spouse’s group plan you will have coverage.

However, as mentioned, this only applies to group plans. If you aren’t on a group plan, you can be denied under that pre-existing condition clause. You can find yourself in the same boat as an uninsured person when it comes to becoming pregnant in this case. If you’re pregnant, or thinking of becoming pregnant, you really should cast aside any hesitations and get yourself on some kind of health insurance for pregnant women.

Prenatal care is designed to maximize health for both mother and baby to ensure proper developmental progress. If you’re unable to get health insurance for pregnant women and in a low income bracket you’ll probably be eligible for Medicaid benefits to help cover costs. If you’re above the low income bracket, though, you’re going to find it difficult to get coverage after the fact. If you have any intent, at all, of ever becoming pregnant – plan ahead!

You will likely run into a waiting period if you change plans after becoming pregnant and the health insurance for pregnant women won’t help you anyway since the waiting period is often 12 – 18 months. A waiting period won’t be very significant at the beginning of becoming pregnant, but the later the pregnancy goes on, the more likely you are to need medical care. You might want to have a look at COBRA if you become unemployed or need to be put on your spouse’s plan after becoming pregnant.

If the company you work for has more than 20 employees, they are required to carry your healthcare for a period of time after you leave the company. The standard period is 90 days, but it can be as low as 30 days and up to 6 months. COBRA fills the gap and helps you carry coverage longer, but the premiums can be very expensive due to the fact you’ll have to pay for the subsidized portion the employer used to pay for you.

If you can’t get COBRA because the employer has fewer than 20 employees, you may be able to get a “guarantee issue” individual policy. The availability of these depends on your state and whether they’re available or not and you need to have been insured for the previous 18 months.