Life Insurance Lowdown

If you’re like most people, you probably spend about 8 hours a day sitting at your desk. It’s no secret that this is bad for your health: it can lead to weight gain, deep vein thrombosis, lethargy and a number of other issues. Fortunately, it’s possible to earn a living without wrecking your health. Check out these tips for ways to exercise at your desk, transportation options, gadgets that can help you get moving, and more.

Getting there

1. (Re)cycle those extra pounds: If you live a few blocks away from your workplace, leave your car at home. Take your bike to work, or if it’s just a matter of a few blocks, walk the distance. You’ll not only burn calories, but also save money and do your part to keep the environment clean.
2. Park away, far, far away: If you have to take your car to work, do the next best thing. Park as far away from your office building as you can. Those extra steps will add up as the days go by.
3. Step it up: Make it a point to avoid using the elevator in your office building; take the stairs, coming up or going down. You may find yourself breathless in the beginning, but if you stick to the plan, you’ll find yourself getting fitter every day.
4. Pace yourself: If yours is a job that ties you down to your desk, set aside time every couple of hours to walk about, either to the restroom or just to talk to a co-worker across the room.
5. Get up, get fresh: Instead of using the restroom on your floor, use the one either two floors above or below. Don’t forget to take the stairs!
6. Go wireless: Get  a wireless headset that allows you to walk around as you make phone calls.
7. Memory loss, fitness gain: Leave something in your car every day so you will be forced to run out and get it in the middle of your work day.
8. Make your approach directly: Need to brief a co-worker or just pass on a message? Don’t reach for the phone or type out an email; get up and get moving by delivering the message in person.

Take matters into your own hands

9. Wrist twists: Do you type a lot? Keep Carpal Tunnel Syndrome at bay by rolling your wrists regularly.
10. Put your hands together: If you’re just reading something on your screen, your hands are free to exercise. Hold your hands together with the palms facing each other; pull up with one and down with the other simultaneously.
11. Hand(some) tricks: Stretch one arm out in front of you at shoulder level with palm facing downwards, use your other hand to hold this one and pull downwards. Repeat with other hand.
12. Prayer for good health: Put your hands together in front of your chest with elbows extended parallel to your shoulders. Now rotate your wrists so that your fingertips point towards the floor. Repeat.
13. Hands up: Inhale as you raise your arms above your head, bring your shoulders closer to your ears, then exhale as you push your shoulders back.
14. Outstretched hands help: Hold a water bottle or similar object with one hand, then raise it to shoulder level with your arm outstretched. Hold this position and repeat with your other hand.
15. Head over hands: Lace your fingers together behind your head with your elbows stretched out and press your elbows behind. Hold for a few seconds and repeat.
16. Palm your pain away: Put your right palm against your right cheek, and try and bend your head towards your right with your right hand resisting the bend.
17. Rotation helps: Hold your hands outstretched in front of you with your wrists closed. Rotate them clockwise a few times and then counterclockwise.
18. Fly there: Hold your hands outstretched to your sides with palms facing up. Move them in small circles first, one way and then the other. Repeat, moving your hands in progressively larger circles.   
19. Hands down: Stand straight, look ahead, and hold your hands behind you. Lift your arms up with hands held together as far as they can go. Hold for a few seconds, then bring down and repeat.
20. Hand work: Stand in front of your desk with your palms flat on them, fingers pointing towards you. Stretch your lower arms and wrists.

Flex at your desk

21. Just sit on it: Instead of using a run-of-the-mill office chair, try a stability ball. It’s a little unconventional, but you’ll work your abdominal and back muscles by using one.
22. Sit tight: At regular intervals, clench your stomach and buttock muscles as your sit at your desk.
23. Put your feet up: Instead of keeping your feet flat on the floor all the time, life them up so they rest on the balls of your heels. Do repetitive sets of this workout at regular intervals.
24. Lift yourself up: Sit straight, lift your arms straight above your head, and hold your hands together with palms facing upwards. Now, bend sideways to one side as you exhale and inhale as you straighten up. Repeat on the other side for one set.
25. Legs up: Lift one leg and stretch it out in front until it’s parallel to the ground. Hold for a few seconds until you feel your thigh and calf muscles stretching, then repeat with the other leg.
26. Marching forward: Lift your leg up with your thigh held parallel to the ground, as you would when you march. Repeat with the other leg.
27. Put the squeeze on: Hold a full water bottle between your thighs, then press together while clenching your abdominal muscles. Repeat a few times.
28. Hip way to relax: If you have a few minutes to spare, stand with your hands on your hips, stretch your upper body backwards, and hold for a few minutes.
29. Get off your butt: Lift your bottom a few inches from your chair and hold the position for a few seconds.
30. Sidekicks matter too: Stand straight with arms on your hips. Lift one leg to one side in a kicking motion, hold, and bring back to attention. Repeat with other leg.
31. It matters (to) squat: Try this one only if your chair is steady; you don’t want to end up on the floor. Put your hands close to your hips on the chair, move your hips forward and off the chair until your elbows form right angles. Hold this position for a few seconds before you resume a sitting position.
32. Up in arms: Hold a bottle of water with one hand and a bended elbow. Lift your hand over your head, hold for a few seconds, then bring it back to position. Repeat with your other hand.
33. Cross your heart: Cross your hands in front of your chest, pull in your stomach and bend down towards your hip. Repeat a few times.
34. Weighty stuff: Your bottle of water can serve as a dumbbell. Hold it sideways in your hand, then flex your biceps by lifting your forearm to your shoulder. Repeat with your other hand.
35. Push out: Put your hands behind your head and slowly push your head backwards; use your hands to resist your head’s movement.
36. Elbow your way to good health: Put your hands on your shoulders and rotate your arms forward and backward a few times.
37. Push the walls aside: Stand with one palm flush against a wall and your arm horizontal to the ground. Turn your torso to the other direction until you feel your body stretching. Repeat with your other hand.

Posture matters

38. Get heads to turn: Need to stretch your neck muscles? Don’t roll your head; instead, turn from side to side and flex your head forwards and backwards.
39. Back it up: If you tend to hunch over your keyboard, take time out to stretch your arms wide, pull your shoulders back, and rotate your wrists as your arms are outstretched.
40. Add some more lift: Sit with your shoulders straight. Lift them up to your ears as you inhale, bring them down as you exhale.
41. Twisting turns: Sit straight, put your right hand behind your right hip and bring your left hand to touch your right.  on the other side.
42. Backing up your efforts: Bend down as you sit, bringing your head to your knees and hands to your ankles as you exhale. Inhale as you straighten up. Exhale again as you lift your hands straight above your head. Repeat to relax your back.
43. Shoulder on: Sit straight, put your hands on your shoulder, keep your elbows down and push your shoulders back. Hold for a few seconds and repeat.
44. Stand tall: Stand with your head and shoulders thrown back and arms on your hips; pull in your stomach and lift one leg so that your thigh is parallel with the ground. Hold for a few seconds and repeat with the other.
45. Bend backwards to good health: Stretch your arms out in front of you while sitting at the edge of your chair; pull in your abdomen and move your upper body behind. Hold for a few seconds.

Gadgets that get you thin

46. Hand Gripper: If you find one hand free in the course of your work, squeeze a gripper to strengthen your forearms.
47. Elastic band: Use one of these to stretch your hands; you’ll strengthen and build your muscles.
48. Geek-a-Cycle: A computer table with its own pedals, this gadget lets you exercise your legs as you get some work done.
49. Walking Workstation: If you’re skilled at typing or maneuvering the mouse even as you walk, this is the perfect toy for you. It’s a walking workstation that allows you to burn calories even as you work at your computer.
50. Webble: A skateboard-like gadget, the Webble can be used to exercise the lower half of your body even while remaining seated. Rest your feet on the Webble, and you’ll get exercise as you move them randomly.

–By Sushma Pradhan

Are you in trouble with your claims? Is your claim taking a toll on you? If you agree to it, be sure you have hit the right site and you are reading the right article.

There is no doubt that resolving a claim or its adjustment is a long and a difficult process, but trust me it is not an impossible task at all.

Here are few steps that you need to follow, when you need to adjust a claim so that you maximize your effort of success.

Step One: Take out the statement document of your insurance coverage.

Step Two: Focus on the exclusions sections and read out everything carefully.

Step Three: If you find out that a certain point relates for the denial of your claim, be it even remotely, make it a point to highlight it.

Step Four: Put together all the claim denial notices and all the important statements, such as notes, documentation etc. Then, circle the invoice number dates, and reference numbers.

Step Five: Armed with all the documents call the customer care department of your related grievance.

Step Six: Speak confidently but do not be rude, while asserting why you feel that the claim should be granted.

Step Seven: Keep a note of all your calls, for example the time, the date, the full name of the representative of the company, with whom you had the conversation, the extensions, and the outcome of the conversations.

Step Eight: One more point that you have to keep in mind is the punctuality of follow up. When you speak to the customer representative, do make it a point to ask the representative for the date by which the claim will be resolved, and patiently wait until that date. In case the resolution has not occurred by the assigned date, do call up the representative by that date.

Step Nine: Once your claim has been paid or settled make sure the settlement is as per terms, in case it is a settlement for some amount of money do check that the company pays the stipulated amount or percentage.

Explanations

On a whole, there are certain things that we tend to overlook initially and many a times these points become the loopholes for us. Review the rules that are there in the document. There may be certain point that we may assume as clear, but later this ambiguity may be troublesome. In case, you find difficulty understanding a point and you do not find the answer in the provided literature or on their website, take out time to call the customer service.

Take for example you are looking for a health insurance claim. If your claim is not paid in full or is denied, whereas you think that it should not have happened so. Call the health plan for justification, the denial could be due to some administrative error.

Do remember to place all the paperwork in front of you when you make that call. However, remember to be polite, but reasonable. Do not use authoritative tone, your voice should convey the message that the two of you are enough to resolve the problem.

Further, you must also know when to request for a formal review. In case the customer service is of a little help to you, you may go ahead and file an appeal to the health plan. In many cases, you may need to do the writing within sixty days of receipt of all the original benefits explanation. Nevertheless, remember to send your appeal only via a certified mail.

Carefully examine all your documents. If you have made a determination for a formal review, there may be a chance of your gaining access to documentation that is necessary to determine the benefits.

Here are Tips and Warning once again:

1. Carefully read the explanation of the claim denial. Reading the document carefully throws a lot of light on where the loophole lies. You never know the required professionals must have failed to provide the necessary detail to the insurance company. If it is so then call the concerned authorities.

2. Know what you are speaking and yes know it well. Do not blabber. If you exhibit a complete knowledge about the coverage, you will get every chance of more attention from the representative of the company.

3. Yes! Start early in the day, if you feel that your calls are left on a hold for a long period.

4. Mind your language! Do not unnecessarily be rude to the service representatives of the company, after all they are not the ones who make rules for the denial of the claim.

5. Be firm and persistent in your resolution to reach a solution. See that the claim is either paid or provided with a proper explanation and furthermore, let everything come in writing, especially if the claim is not payable.
      

6. You may ask to direct your claim to a supervising claim adjuster for further consideration, if you feel that your claim is a exceptional case or needs more consideration than the customer service representative in the frontline.

7. It is vital to document all your calls as this will help you later a lot in resolving the claim dispute.

8. If your claim is for health insurance, make it a point to talk to your physician. Ask the physician to help you resolve the claim if the denial uses the terms such as ‘unconventional’ or ‘nontraditional’ or ‘unconventional’ for justification.

9. New procedures and coverages are updated, especially those of the treatments and medication, so do not get upset and lose hope at one go when your claim is not adjusted initially.

10. Do not lose your cool, most importantly do not lose your temper, neither shout nor lecture on the way the things should have been, while conversing with the service representative of the company.

11. If the company tells you that something that was covered earlier is no longer covered now, do not accept until and unless there is a logical explanation. If needed try to acquire the explanation in writing.

12. Remember slow and steady wins the race. Many insurance providers wait until the time you give up after fighting for a long time. So understand the twist of the story and be persistent.

–By Sushma Pradhan

It is true that everybody worries about his or her financial status and the family too. The worry mostly is what will happen after their death? Definitely, the easy and the reliable source to turn to is life insurance. Nevertheless, these are the security for the ones you love after you have passed away from this world.

But what about all the losses and damages that you incur while you are still alive. What if your little pup, out of the blue, bites the courier guy or a pizza delivery boy? The worse still, what if you are sued for the bizarre fancy of your little pet? What if the malfunctioning tap in your bathroom creates damages to the wall of your neighbor?

Have you ever thought of these problems and the kind of trouble they might create. These issues may just burn a big hole in your pocket, if I am excused for exaggeration, they might just leave a crater in fact. Therefore, here are few selective insurance coverages that will actually be your guarding angel at trying times.

Mobile Home Insurance: Mobile home insurance is a protection extended to manufactured units, which are built in sites rather than the factories. This could also be for the unit that is taken from one place to the other. The mobile home insurance covers protection for the patio or the attached deck, it could also be garages or storage shed. Further, this policy also covers your home protection during difficult times, that is during the circumstance where your mobile home becomes unlivable

Mobile home insurance provides you protection in four basic ways and they are:

• This policy will enable you the replacement/repair or to derive actual cash value, depending on the age of your mobile home.

• This policy will caters property replacement, for example, furniture, appliances, your clothes, and other important belongings in condition of damage or in case it is stolen.

• This policy will cover for the injuries or damage caused, while at your home.

• This policy will also cover for the additional living expense that you have to incur due to your forced living away from your home

Auto Insurance Policy: This insurance is very necessary because this policy protects you and your car. It is for these reasons that the government has made it mandatory to have auto insurance.

Here is a list of the common coverage that an auto insurance policy provides:

• Bodily injury & liability coverage is mandatory and protects you when you crash your vehicle, in return injuring someone. It covers for the legal expense too, if there is any liability.

• Car rental policy pays you a stipulated amount in condition where your car is under repair, as a result from an insurance claim.

• Collision coverage is a policy that covers for the all the physical damage done to your vehicle due to collision, irrespective of who the defaulter is.

• Comprehensive coverage provides protection from the natural disturbances such as tornados, hail, flood, ice storms etc.

• Credit insurance coverage pays off your auto loan in case of your disability or loss of life.

• Windshield coverage is the policy that covers for the broken windshield, because driving with a broken windshield is against the law. In case, you stay in a high crime rate area, then this cover is justifiable.

• Medical coverage for all the makes care of all the medical expenses for you and the passengers, in case of injury, irrespective of the person at fault.

• Underinsured or uninsured motorist policy protects and takes care of all the charges due to the accident by an uninsured or underinsured motorist.

Insurance to protect your business: Starting a business takes risks, possibilities, and optimism. This also includes your need to be cautious about its protection. This is the reason why comprehensive insurance package is essential for small businesses.

Your business may hold facet of risk and therefore it is necessary you look high and low for the chances and get it secured before you feel it is too late.

Here is a checklist that you may need to consider:

• Business owner coverage provides damage protection from unforeseen circumstances. This coverage is also known as ‘catch all’ and offers a certain level of liability protection.

• Property insurance can enhance the coverage offered by the business owner coverage. This includes protection due to damage to the building that your business is stationed on. It also takes care of the inventory and other furniture inside the building.

• Liability insurance covers for the injuries or damage you cause to someone. This could be anyone, it could be the postal guy, who sues you for the dog bite while delivering you the mail.

• Product liability insurance is a coverage for certain product, which you feel, may harm someone else.

• Omissions and errors insurance, as the name suggests takes care of the negligence, due to which your customer is caused harm.

Condominium Insurance: Condominium insurance or condo insurance provides condo owners with a cost-effective, comprehensive coverage and these protections includes:

• Damage of property to your home and all its attached structures and private structures, for example, the freestanding garage or the tool shed.

• Damage or theft to your personal property, such as clothing, furniture, with coverage for worldwide protection enlisted in the policy.

• Coverage for personal liability for protection when injury or damage is done to others or their property for which your relative or you are responsible.

• Few optional coverage as pertaining to the state law such as, coverage for lock replacement after theft, coverage for refrigerated content losses due to mechanical or power failure.

• Inflation protection to make sure that the increasing construction cost is dealt by your insurance coverage

Home insurance: Home Insurance is a policy that ensures the safety of your home and the belongings that you posses. This policy at times is also called the ‘package policy’ because it covers liability and damage coverage.

A standard home insurance includes four basic types of coverage:

• In case your house is damaged by hurricane, fire, or any other natural or unnatural disaster listed in the policy.

• Your furniture, clothes, sports equipment, and other personal belonging’s damage

• It takes care of the lawsuit filed against you for bodily injury or damage of personal property done to an individual by you or your pet.

• Additional living expenses for cases where your home becomes unlivable due to severe damages and you are forced to live in a temporary accommodation.

–By Sushma Pradhan

Too often, we live our life with a feeling of mere existence. However, we have to remember that life is not just existence. We need to create value out of every moment that we survive. When we aim to live long, why not aim to live healthy rather than just stretch those extra years with ventilators, masks, and popping in those multi colored and multi shaped pills. Here are ways that will help you not just add years to your life but give it a beautiful meaning too.

1. Love: The most beautiful and wonderful feeling ever. If you are not in love, then why not give an idea about it. In case, you have, then fall in love all over again. Falling in love does not necessarily mean romantically involved. Why not let your feeling flow, and express that love of yours. It could be in verse, a little gift, a small wonderful gesture, a warm smile, or perhaps just spending a little time. Express your love for your family, feel the joy of loving and getting love in return. Fall in love with humanity, then just wait and watch, how good you feel from inside. In return, just imagine how many illnesses you keep at bay, by merely falling in love again.

2. Indulge in morning ritual: Wake early up early and start your day. Watch the sunrise, and tell yourself you will not waste this wonderful day. Take each day as a gift and be ready to face the challenge it brings. Leave the comfort of the warm bed and go for long walks. A brisk walk in the morning and evening will add years to your life. However, the most important point here, you will look younger than your age. Wow! Don’t you think that it is a wonderful idea to save some money that you drain away for beauty treatment and therapy?

3. Suffer when there is to suffer: Well, this does not literally mean that you should not do anything about the sufferings in your life. Or else, you will feel as though you are reading a diary of a sadist. When I say suffering, I mean to point out that life has its share of high and low. Suffering is a part of life and one has to accept that. We lose our dear ones. We may not get the desired job. We may fall sick or are physically injured. Learn to feel the pain and grieve the moment. But, do not etch that pain in your heart. Try to move on and search for joy in life. Finding joy in living is extending your life.

4. Look at the positive side of life: We all know that we are not here to stay forever. We are all common mortals. We all make mistakes, learn to accept mistakes, and learn to rectify those mistakes not repeat them. Your negativity could come in a form of criticisms, self-doubt, or something you cannot do anything about. When these feelings start taking over your conscience, try to replace these feelings with positive ones. It is easy said then done, but the beginning has to be somewhere. So why not be now.

Do not make your heart a heap of scars. Learn to open your heart, receive love, and give love unconditionally. Learn the art of communicating. Try this it will do wonders for you.

5. Try few exercises: Are you a couch potato? Is your life sandwiched between different channels? Then think again? Just calculate, how many hours have left to live? Do that little addition and subtraction and then, yes unplug that TV. Now, the next time you can put in on, when you have some good movie you love or you get your favorite choice of DVD. Try some exercise for yourself, to get rid of all the junk that you have accumulated in your body. You may start a little bit of running, light push-ups. On the other hand, why not try something adventurous like rowing or hiking.

6. Mind your food: Do not eat your food half-heartedly, enjoy every morsel. However, loving and enjoying your food does not mean that you make a heap of the delicacy on your plate. Savor your food slowly and chew them well. Do not just gorge on them. Don’t you think that when you love to eat something why not eat slowly and enjoy them. Add colors to your plate. Well definitely not the colors of cream or icing, I mean the fruits and vegetables. However, add variety to your plate, I am sure you have heard the phrase; variety is the spice of life.

7. Discover the joy of travel: When was the last time you went for a vacation? I am sure you must be having that feeling of traveling some day. This does not necessarily mean that you wait until you reach that age of retirement or the day when you have accumulated enough money. Well, find out ways to cut down those extra expenses that you make, for instance eating out. You have to make it. One thing here for sure, you are young and this is the time to see the world. When your limbs give away, do you think you will be able to enjoy the steady climb to Eiffel Tower? Travel rejuvenates your life and adds days and yes not subtract days from your life.

8. Rediscover all that is important: This is one exercise that you need to do, if you want to add quality to your life. It might just take an hour or a little more.

Make a list of all that is important to you. Next, add to it everything that you want to do and expect out of life. Once the list is prepared, chalk out the list to just four to five things. These points are your core aim. These are the points that matter, focus, and take out time for these activities. You may eliminate the rest.

9. Do something different: Different does not mean that you think of ways to find your name in the Guinness Book of records. Different is doing something minute yet simple that will bring so much joy, which probably you had never thought of. For example, getting a little wet in the rain, feeling the shower touch you. Leave the manicured neighborhood and take a walk into a place where people are living in worse condition, talk to them, feel their pain. Play with children, buy flowers for yourself, talk to old people and just look around, you will find many more such opportunities. 

10. Life exists beyond that cubicle too: Do you just identify yourself with computers, taking phone calls, shuffling papers and chatting away on the internet? Do not waste your life in the files and your eyes glued to the computer. Try to organize your life. Organizing work and bringing a discipline adds many years to your healthy living. No doubt, you are using the internet to read the article there are exceptions always. Once you are done with this reading, unplug the internet and think of ways to organize the papers and yes your life.

–By Sushma Pradhan

Looking younger is not just acting like 10 years less than your age, it is the overall condition of your body and soul.
Moreover, maintaining a good health is like standing on the edge of the sword, a condition to survive amongst the chaos of Satan’s Pandemonium.

However, maintaining a healthy living habit is difficult but certainly not impossible. The only thing that you require is a firm determination.

Here are ten ways, which will help you add more years to your healthy living. So, all the best

1. Do not carry your weight around: Obese in a layman’s term means large body fat, whereas obesity is a much complex situation.

Obesity is measured by calculating the body mass index (BMI)  of an individual and it involves many serious medical conditions.
? High blood pressure 
? High cholesterol
? Stroke
? Heart disease
? Gallbladder disease
? Osteoarthritis
? Menstrual problems
? Infertility
? Cancer
? Sleep apnea

In case you are overweight, it is time now for you to sweat and shed off some of that extra flab. It is the time to wage war against obesity, because if you want to enjoy long and healthy life, you better say goodbye to all those extra fats.
What say?

2. Dance with me: Dancing can create magic into your life and transform you completely. It can breathe into you a completely new life and unleash into your romance for life.

On a physical level, dancing provides a great healthy body, enhancing your  brain to be as healthy as your age.

Research has also shown that some people with Alzheimer’s disease are able recall memories when they dance to the music they used to know.

Ballroom dancing at least twice a week makes people comparatively less prone to develop dementia.

There are various dance schools that hold dance classes or are open to the public few nights in a week. There are different kinds of dance forms and you can choose the dance you want to learn.

In case you feel that you are the one with two left feet or do not have adequate time to devote for a dance school, you can do your own bit of moving and shaking at your home. You just need to turn that music on and do the dancing around the house.

Just give thought who knows once the play button is on you might not want to stop.

3. Smile, it increases your face value: There may be songs that may really put the smile on your face. A smile will not only make you look cheerful and good but will make you like one from inside.

There are many health benefits behind that wondrous smile, in fact if you stretch your smile to laughter. The benefits may range from strengthening the immune system, which will in return reduce your craving for food.

On the other hand, humor therapy has many therapeutic benefits. It is believed to help people to heal quickly than other things.

So, if you want to walk that extra mile then smile a while. Let us see the milestones that you will achieve with a smile.

? It will help you control your stress
? It produces health enhancing hormones
? It enhances the T cell’s effectiveness
? It increases the anti-body producing cell
? A good laughter is a good workout
? It is a good exercise for the heart

4. Think positive: Positive thinking, optimism, and positive attitude are all the cause of not just well-being but also of a healthy long life. If you carry such positive attitude,  you will be successful in every sphere and definitely live a long life.

? The first step towards positive thinking is the belief, you cannot pretend to be positive thinker.
? The second step is being objective. Do not judge your life with failures nor live life with false pride, pride mostly makes you take wrong decisions
? Prefer the company of people who have a positive attitude for life
? Be patient and pace yourself, you cannot be positive thinker overnight
? Take the first step, no matter how many inspirational books you read or motivational speeches you hear. These all show you the way, it is you, who needs to open the door.

5. Getting High! Hic!: Alcohol is the intoxicating ingredient that constitutes beer, wine, and hard liquor. Studies suggest that consuming moderate amount of alcohol is beneficial to human body. It is the excess, which causes harm to the body.

Alcohol takes no time to be absorbed by the body. The alcohol-laden blood travels through the capillaries and veins to the liver. The liver is the organ that has the highest impact of the alcohol. The metabolism changes the cell structure of the liver thus hampering its fat metabolizing capacity.

As a whole, one cannot categorize alcohol to negative side it does have many benefits provided it be taken moderately. However, over consumption for over the years may also cause one’s death.
So, if you want to enjoy a long life, remember do not get too high!

6. What is on your plate: It is not at all difficult to mind what you binge into, it just needs a right attitude to make a start. One thing that you need to keep in mind is variety. Variety is not just a spice of life but also input of various nutritional values into our body.

To choose the right nutrition for you, you need to be a smart shopper without a doubt. A smart shopper is the one, who is capable of label reading.

Every package food has nutritional facts panel, where it is mentioned the fat, cholesterol, saturated fat and protein level.

Add colors to your diet, here colors means a lots of orange, green, yellow fruits and vegetables. These could be oranges,  cantaloupe, carrots, broccoli, or any other citrus fruit. These foods are rich with antioxidants and other necessary nutrients that are capable of fighting cancer and other deadly diseases.

Food plays vital role in carving your health and your age factor, therefore, why not make the right choice from today.

7. Walk yourself to glory: If walking could be prescribed as a pill, it would be the most widely prescribed in the world. It has numerous health benefits. Walking has the capacity to reduce the chances of many diseases. It has negligible side effects, prevents heart diseases, and adds numerous years to your life.

Here are five reasons why you should go for a walk.
? Derive joy out of your walking, with friend and just see how enjoyable walking can be
? You can take a walk to rediscover the nature at its best and find out how calm and stress free your mind can get
? Walking is best for fighting depression and changing your moods
? Your health and your weight will be under check, if you go for regular brisk walks

8. No ifs and Butts please: If want to bid adieu to that smoking habit of yours there definitely should be no ifs and buts in between. Many former smokers will tell you saying goodbye to that nicotine stick is the toughest. However, if you want life then you definitely let the butt drop from between your fingers forever.

According to the US Surgeon General’s Reports, it was found:
? 20 minutes after quitting cigarette your heart rate drops
? 1 to 9 months after quitting smoking, you do not experience coughing or shortness of breath
? 1 year after quitting smoking the chances of coronary heart disease becomes half than the smokers
? 5 years after quitting smoking the chances of stroke becomes negligible as a non smoker

9. Play Safe: Accident, be it home or at the road, happens to be one of the leading causes of death in the world. Life is not always risk, but a risk management and it is worth it. Therefore, prepare yourself, in fact try to avoid such risk and play safe.

? Learn swimming
? Install smoke detectors in your home
? Get your visions checked
? Wear seat belt and helmet while riding bicycle or motorcycle
? Follow the rule of the road
? Maintain hygiene
? Wash your hand regularly this will help you avoid the spread of germs

However, this does not mean that you stop enjoying your life and not be carefree. Life is too beautiful, to really take a risk of losing. Who knows whether there is life after death?

10. Be in touch: Healthy does not mean that you need not have to go to the doctor, nor does wealthy mean that you have a will written for an appropriate heir.

Health and wealth is also defined by the number of good friends you have. The number of people who love you and the one you love to have around you.  It is essential that you be happy and you have enough time for yourself. Develop compassion for your life.

In case you are living away from home, try to be connected to your family members, call them occasionally, or write to them. Loneliness happens to be one the leading suicidal causes today. Therefore, involve yourself in activities you like and live yourself a life of ‘18 till I die.’