April 28, 2024

Is Dental Insurance Necessary?

To buy, or not to buy? Dental insurance, that is. This is a question that is frequently pondered. Since insurance is a useful tool to protect against financial hardship or ruin due to catastrophic accidents or other unforeseen circumstances, it’s an important question to ask. Purchasing insurance is frequently advocated but if you are young and healthy, dental insurance may not be a good investment, especially if you don’t plan to visit the dentist more than twice a year. What you pay in premiums for dental insurance may be more than paying the dentist for your checkups out of pocket.

However, millions of adults each year undergo root canal and other dental procedures. Their degrees of dental unhealthiness are affected by a variety of influences that include dental hygiene, stress, personal eating habits and nutrition. If you have had or anticipate major dental work, you may be well advised to consider the purchase of a good dental insurance plan. Another option is to join a discounted dental group to offset what could be very steep dental bills.

There are several types of dental coverage available to individuals and families. These include Indemnity Plans, Preferred Provider Plans, HMO Plans and Discount Plans.

Dental Indemnity Insurance Plans

An indemnity insurance policy provides traditional insurance coverage. A pre-set percentage of dental bills are covered for a flat monthly fee or premium. Usually this type of plan covers 100% of preventive services, 80% of restoration services and 50% of major treatment like orthodontics. There usually is a waiting period for major work; check with the provider for details.

Dental Preferred Provider Plans

A preferred provider plan usually costs around $40 per month and offers highly discounted rates for dental procedures performed by providers within the specified network. Some benefits may be available outside the network but it’s important to read your policy to know exactly what may or may not be covered. State insurance departments regulate preferred provider plans and they fall in the insurance category.

HMO Dental Insurance

HMO insurance plans are also referred to as capitation plans. These types of policies operate in a similar fashion as Health Maintenance Organizations (HMO). HMO insurance plans are also regulated by state insurance department and usually run between $20-$40 a month.

Dental Discount Plans

Discount dental plans are structured like a club membership. Members get the lowest price for services provided when they show a membership card. These plans are also network based. They offer the greatest value to individual and family memberships. This type of dental plan technically involves purchasing a discounted access to a network dentist and therefore it is not considered insurance.

Writing an E-book | Part Four

Make the e-book “user friendly”. It’s essential to keep your reader engaged. Spicing academic content up with short anecdotes, testimonials, stories, photos or tips will keep the reader turning the pages. Sidebars are helpful graphic devices that provide quick, accessible information, and they also break up word density and make a page appear more inviting.

Try to cast your writing in a casual, conversational tone rather than in the formality of a textbook. Your reader will respond more positively if he or she feels that you are having a conversation.

Don’t be discouraged if you get stuck. Good writing takes lots and lots of practice. You may want to make a personal commitment to write at least a page a day. Research the art of writing by reading relevant books and magazine, and jot down tips that jump out at you. Writing well is a lifetime learning process, and the more you do it, the better your writing will become.

Writing an e-book that will be read on a computer screen requires additional thought. Don’t forget to give your reader’s eyes a break. This can be accomplished by planning the white space, or “negative space.” If your copy is too dense, it will be hard on the reader’s vision. Bulleted and numbered lists can be very helpful and reader-friendly. This helps to make information easier to absorb, and will also give the reader a mental break from absorbing paragraphs one after the other.

Finally, decide on an easy-to-read design. Choose a font that’s easy to read, and stick to that single font family. Use at least one and a half line spacing, and text that is large enough to be read easily on the screen, but small enough so that the whole page can be seen at once. Finding the right combination will take some experimentation.

Of course, don’t forget to run a spell and grammar check. The validity of your content may be judged by something as minor as correct punctuation, so don’t detract from great content by using semicolons incorrectly, or stringing sentences together to create run-ons.

Last but not least, create an index and a bibliography. That’s it! You’ve written a book! Now all you have to do is publish your e-book online, and wait for download request from your website visitors.

Writing an E-book | Part Three

Before you start to write, ask yourself some additional questions:

  • Does the book present useful information and is the topic relevant?
  • Will your book positively affect the lives of your readers?
  • Is the concept dynamic and will it keep the reader engaged?

If you can answer yes to these questions, then your e-book has potential for success.

A key ingredient for success is the ability to determine who makes up your target audience. This is to whom you are addressing the book, and knowing who they are will dictate many elements of your book such as style, tone, and length. What is the age range of your readers, their general gender, what areas of interest do they tend to have? Are they from a specific socio-economic group? The more you know about your target audience, the better you can write for them.

Now list the primary reason you are writing your e-book. Is it to promote a business? Do you want to drive traffic to a company website? Is it for the purpose of building your reputation? Write down your publishing goals. How will you sell the book — as a standalone product on your website? Or will it be offered as a gift for filling out an online survey or for ordering a product?

You may want to break up the book into sections and offer it as an e-course, or use it to attract business affiliates. The more you can determine before beginning to compose the book, the easier the actual writing will be.

It’s important to decide on the format of your chapters. In non-fiction, keep the format from chapter to chapter fairly consistent. You might employ a short introduction to each chapter, and then divide the content into four subhead topics. Or you may write each chapter as four or five separate sections, each one beginning with a relevant anecdote.

Read More: Writing an E-book | Part Four

Writing an E-book | Part Two

Set the stage. This is a simple concept,  but it’s often overlooked. The first step in writing a book of any kind is to decide on the book’s working title. Take some time to contemplate what your topic will be, and then jot down several titles that come to mind. As you write, you will probably find that one of the ideas will begin to grow on you. Deciding on a working title will also help you to focus your writing more specifically on the chosen topic.

Titles help to guide you in anticipating and answering your reader’s queries. It’s common for non-fiction books to have a sub-title as well. The title should clearly communicate what the book is about, but don’t forget that a catchy and clever title is very useful to help sell an e-book! The title should get a reader’s attention without being overly “cute”. A good title might look like this: Cure Your Insomnia: Fifteen Ways to Count Sheep.

Next, write out a thesis statement. The thesis is a concise sentence or two that states what you believe and how you will prove your position. Once you’ve crafted a thesis statement and it’s fine-tuned, then you’ve got a strong foundation for the rest of the e-book. From there your book will grow, chapter by chapter.

Return to your thesis often. This will keep you focused during the entire writing process. Don’t forget that all of the chapters must support your thesis statement. If they don’t, then they should be re-written or thrown out. Going back to our original example of a working title about insomnia, your thesis statement might be: Nearly everyone suffers from insomnia at times, but there are fifteen proven techniques to help you get a good night’s sleep.

Read More: Writing An E-book Part Three

Writing an E-book | Part One

You have decided to tackle a writing project. But how do you start? The most difficult part of writing is figuring out how to begin the first sentence.

It may also be overwhelming to think about writing an e-book when it is not broken down into manageable tasks. A good analogy for comparison is that of hiking up a mountain. Imagine that you are standing at the foot of the mountain and staring at the summit as it disappears into the clouds. It seems like an impossible task. How is it possible to scale such an immense and dangerous mountain?

The answer is that there is only one way to climb a mountain, and that is to climb it step by step. Now think of writing a book in the same way. Take it one simple step at a time, and then one day you will write the last paragraph and will find yourself standing on the summit!

If you were planning a mountain climbing expedition, the first thing you would tackle would be the planning and organization. Writing a book doesn’t require any actual gear other than pen and paper or a computer. But it’s imperative to organize your thoughts. So let’s look at some of the steps that a writer must take before he or she actually begins to put pen to paper. Once you’ve gone through the following list, you will be ready to actually begin writing your e-book.

Read More: Writing an E-book | Part Two

Dr. Victoria Vitale-Lewis Suggests 9 Wrinkle Fighting Foods – Dr. Victoria Vitale-Lewis

Nearly everyone knows that the right diet goes a long way towards maintaining a healthy lifestyle. What most people don’t know, however, is that some of the foods on your local supermarket shelf can actually help to fight wrinkles! Read on, as Dr. Victoria Vitale-Lewis shares nine of these treasures.

1. Green leafy vegetables like spinach contain lutein, an ingredient that helps the skin’s elasticity by providing an essential antioxidant mechanism that assists in skin hydration. The ideal recommendation daily amount of lutein is approximately 10mg, which can be found in about four ounces of spinach.

2. Beans are foods that are rich in antioxidants. Many varieties of beans have benefits for a well-rounded and healthy diet. However, red beans are highly recommended as part of a “wrinkle-fighting” diet because red beans contain a greater amount of antioxidants. These antioxidants are beneficial for replacing deteriorated collagen of the skin, according to Dr. Victoria Vitale-Lewis.

3. Tomatoes are a popular food found in diets all over the globe. Just like red beans, they are rich in antioxidants and also contain lycopene. Lycopene is a substance believed to reduce the risk of developing cancer and may also be more powerful than Vitamin E supplements. The best part about eating tomatoes is that they can be used in pasta sauces, salads, sandwiches or many other kinds of meals.

4. Dr. Victoria Vitale-Lewis says that it’s not just vegetables that can help you prevent wrinkles. Turkey is quite rich in Vitamin B and also contains protein that slows the process in the skin known as cross-linking. Most people think of turkey on Thanksgiving, but don’t stop there. Head on over to the local deli and pick up some tasty turkey sliced especially for sandwiches!

5. Goji is a lesser known fruit that is rich in Vitamin C. In fact, goji berries contain 500 times more Vitamin C per ounce than what you get from oranges. They help to fight free radicals that damage the skin. Goji berries also contain antioxidants such as vitamin B1, B2, B6 and E, as well as linoleic acid, an essential fat that can help plump up the skin and make it look smoother –– and younger!

6. The next time you’re in the local health foods store, check out flaxseed. Flaxseed is rich in Omega 3 and 6 fatty acids and can be added in when you bake treats like cookies and bread. Flaxseed is a valuable food, says Dr. Victoria Vitale-Lewis. She adds that the more you eat, the plumper your skin cells will be, thus serving to disguise bothersome wrinkles.

7. Beetroot is an often-overlooked vegetable, but it’s quite valuable in preventing wrinkles, as Dr. Victoria Vitale-Lewis notes that it is low in calories and high in fiber. It contains rich antioxidants and a pigment called anthocyanins which has been shown to support collagen production in the skin. Beetroot can be prepared in a variety of ways, including dishes that are curried, boiled, roasted and pickled.

8. Like many of us, Dr. Victoria Vitale-Lewis enjoys chocolate desserts. But few people realize that there are health benefits to eating chocolate. Yes, it’s true. Chocolate contains polyphenol, a substance that rids the body of the active oxygen that causes aging. And chocolate also has the ability to protect the skin against ultraviolet damage, one of the primary causes of our skin aging.

9. Salmon is a delicious fish, and just like flaxseed it contains Omega 3 fatty acids that work to reduce inflammation and lubricate the skin.

Dr. Victoria Vitale-Lewis encourages you to consult with your own doctor about specific foods that can be incorporated into a healthy diet. Don’t overlook the need for regular exercise, and remember to drink lots of water (6-8 glasses each day) so your skin remains flexible and hydrated. Excessive drinking or smoking is also damaging to a healthy lifestyle as these habits work against your skin staying young and wrinkle free.

Information Nation’s guest contributor, Dr. Victoria Vitale-Lewis, is internationally recognized for her “Feminine Face Lift”. She has been featured on many television shows including the Discovery Health Channel and Good Morning America. Located in Melbourne, Florida, her clients hail from local and regional cities as well as “fly-ins” from across the country.

How Much Does Google Know About Me?

Several years ago, Americans became concerned that privacy on the Internet was being compromised. The issue at hand involved an increasing amount of personal data that was being collected on individuals using online search engines like Google and Yahoo. This large body of available information had drawn the attention of the Homeland Security Agency who had been charged with the job of protecting the country against potential sleeper cells of terrorism.

The story came to national attention when government agencies began to demand access to the search records of all users of the major search engines.  At that point, the news media picked up the story, and many American citizens who depend daily on search engines for both personal and business research began to get a “big brother is watching” feeling.

It was a complicated situation.  Many Americans acknowledged that the government needed to have the ability to ferret out and put a stop to security risks that might result in another catastrophe like September 11th, 2001.  On the other hands, Americans have traditionally been tremendously protective of their liberties, privacy and their fundamental right to be left alone by the government.

What stood out to many during that struggle was Google’s courageous resistance against what was considered an undue invasion of privacy of their users. Although time showed that the Homeland Security Agency had no intention of becoming “big brother” and was simply researching how to use statistical data to find terrorist patterns in search engine usage, many remember this: Yahoo and others knuckled under pressure quickly, while it was Google who stood up in the name of protecting user information instead of immediately turning it over to Uncle Sam.

This position reflected Google’s long established business practice — to be protective of the data it collects from the users of its search tools.  That protective nature has worked to build a confidence in consumers that Google is a safe tool. As the dominant search engine in the industry, Google does have at its disposal a plethora of personal information on the millions of people who use its search tools.

Proprietary information collected by Google (and other search engines) as users browse the Internet speak volumes about individual interests, religious views, political affiliations and vocation.  Powerful analytical tools take these vast data bases of search information and translate them into profiles that would be of great interest to governments as well as marketers who could target specific populations for sales.

For Google, such information has immeasurable value as the search engines fine-tune their data. Conclusions can be drawn that indicate if search tools are working well and how the logarithmic formulas that drive those tools can be adjusted to be more in line with the Internet audience in cyberspace.  Such research will allow Google to further secure their dominant position as they make their toolset even more capable of staying at the front of the pack.

A conclusion to be drawn from this story is that Google’s protective posture regarding its massive database of search information served their purposes extremely well.  For successfully keeping this gigantic store of very specific data secure and proprietary, Google today maintains a trade secret of tremendous value that will enable them to maintain their market superiority for many years to come.

It can be argued that this represents a case of market needs serving the public’s good well.  For if Google jealously guards the public’s search information so that only it can benefit from such knowledge, they in turn protect the privacy of American citizens from the prying eyes of government agencies, hackers, marketing campaigns and even terrorists who would use that information for insidious purposes.

Some Tips to Beginning an Online Business

The possibilities for creating an online business are nearly endless. The most obvious way to begin would be to build a website to serve a particular niche in the market. Typically this is most successfully accomplished by researching and finding an underserved business niche, building a website to showcase the new business, and then reaping the profits from a growing business.

Begin by going online and Googling the search term “underserved business niches”. Spend time researching links, websites and blogs. Get feedback and advice from friends and family. Once you have settled on a business idea, it’s time to build a website to support your chosen niche market.  As content is created for the website pages, it’s important to select pertinent, focused keywords that will build your business through organic search engine rankings.  By writing solid content that is supported with quality back links between your website and other businesses, you’ll begin to establish a growing, strong page rank with Google.

Secondly, if your marketing budget allows, Google Adwords is an online option to bring targeted visitors to your website. The proper choice of keywords and educated bidding is the key to successfully marketing with Pay Per Click advertising. Along with this paid advertising, your organic (natural) search engine traffic will also help to build a solid business.

Another online business opportunity can be found by selling on eBay. Although this selling niche is not quite as popular as it was several years ago, it still remains a solid business proposition. Again, proper research is essential. Take the time to learn what kinds of goods are selling, and discover the price points that make these goods move. Determine if your margin is large enough to justify the fees that eBay and PayPal charge for transactions on their websites.

Many sellers do make a full-time income on eBay. Oftentimes this success is achieved by finding a wholesaler in the chosen market niche that offers products at a deep discount to sell on eBay. Some eBay sellers prefer to deal in goods only when they can be sent to buyers via a drop shipper. A drop shipper is a wholesaler who sells you a product at a deep discount, holds the merchandise at their warehouse location, and will ship the product after it sells on eBay to a customer.

You will buy the product at wholesale and then make money on the difference between what you buy the product for, and what you sell the product for on eBay (the margin). This is a particularly useful approach, allowing you to focus on selling the product without worrying about stocking inventory. It also eliminates the need for space to ship or provide backend support, however it’s crucial to know that the wholesaler is reliable and honest.  If there are problems with the merchandise, it is you that the customer will contact. An example of a wholesale shipping directory on the Internet is found at worldwidebrands.com.

These are but two ideas to consider as you pursue the quest of creating an online business. Many other possibilities exist for making money on the Internet but there is little up front cost required to begin these types of online businesses and for many, they have provided much success.

Some Simple Steps to Improve the Quality of Your Life

In today’s frenetic world it is easy to neglect our health and wellness. We are so busy racing through our day-to-day lives – juggling family, friends, school, work, sports and social engagements — that we barely take a moment to look after ourselves. It’s really no wonder that many individuals complain of feeling exhausted most of the time. But there are actually some very simple things that we can do to make changes and improve the quality of life.

Drink Drink Drink

You’ve probably heard it a thousand times and you are about to hear it once more — drink more water!

Stop and think about it for a minute. Our bodies are comprised of seventy-two percent water. This means that a mere five percent drop in fluids creates a 25-30% loss in energy. A fifteen percent drop in fluids causes death! What is astounding is that sixty-six percent of Americans aren’t drinking enough water, which means that over half the population isn’t running at full potential – and that’s before considering problems like air pollution, unhealthy food and widespread stress.

It’s not really a difficult thing to fix. Addressing it in bite-sized pieces means drinking just one glass of water every half hour or so. This quickly adds up to 10-12 glasses of water each day — and soon you’ll notice a significant jump in your energy levels.

Living Food — Loving Life!

Most people do not realize that heating food above 116F destroys much of its inherent nutrient content. Considering that Americans typically do not eat the required daily amount of vegetables, that’s a fairly substantial problem. Nutritionists recommend five servings of fresh vegetables per day. How many people actually follow that advice?

A delicious way to receive the nutrients found in fresh veggies without spending hours in front of the stove or eating raw carrots or celery sticks is to juice your veggies. Purchase a good quality juicer (as some juicers expose vegetables to friction-created heat during the juicing process, breaking down critical enzymes), then grab some fresh vegetables and drink your way to health! It takes a fraction of the time (no cooking!) and it’s convenient and portable. You can take your juice to work and even send some with the kids in their school lunches!

An excellent source of nutrition is found in wheatgrass. Wheatgrass is high in chlorophyll (described as “plant blood” because it resembles human red blood cell molecules) and it has over one hundred elements that the human body needs. Fresh grains are another excellent source for vitamins and minerals.

Energy In — Energy Out

Most people dread the thought of exercise. However, exercise does not have to be time-consuming or boring. These days, there are plenty of options. In years past, gyms and health clubs only offered weight rooms, aerobics classes or perhaps circuit training. Now it’s common to find water aerobics, yoga, pilates, step classes and a multitude of workout options.

Even if you don’t have the finances for a gym membership, or if you’d rather spend your mornings and evenings at home, then try an exercise bike or walker. Set it up in front of the television and peddle away merrily during your favorite program.

If you suffer from illness or injury or your level of fitness is quite low, you need to be aware that once out of shape, and particularly after an extended illness, it can be a mammoth battle to do a minimal amount of exercise. Your inactivity leads to further loss of energy, which becomes a downward spiral until it’s difficult to just get up off the sofa.

In this case, the best way to get back into a physical routine is to start slowly. Take baby steps, even to the point of wondering if they are doing any good at all. For instance, during the first couple of weeks, walk for only five minutes per day – just five minutes, no more, no less, even if you think you could go farther. Then, after two weeks, increase your exercise time to seven minutes, then 10 minutes, then twelve. Continue to gradually increase your activity until you have arrived at a comfortable level.

It may sound a little silly, but it works. It’s almost as if you trick your body into producing more energy. As you slowly build up your exercise time, your body doesn’t really realize what’s happening. Before you know it, you’ll be comfortably exercising within your limits every day!

Then if you rearrange your lifestyle a bit more, adding better eating habits and drinking a glass of water every 30-45 minutes, you’ll be well on the way to living a healthy life. Additionally, don’t forget to take some quiet time for yourself. Many individuals have found that meditating is an excellent way to minimize stress levels. Meditation does not mean that one is required to sit around for hours. It’s as simple as carving out 5 minutes of quiet time every day — even in the bathroom, if that’s the only place where you can get time out — and have a little time to yourself.

And last but certainly not least, laugh! In fact, laugh like a lunatic — the louder the better! You’ll be amazed at how much such a simple thing like laughter can lift your spirits!

Online Computer Training | An Asset to Better Business Skills

Information Technology (IT) professionals must find ways to stay current in their chosen field of vocation, which may often require more than a basic training update. Staying up-to-date with relevant materials is also essential. The world of computers is one that changes so often that without the latest information available, an IT professional can soon fall behind.
More and more IT pros go online to seek further computer training, both for new knowledge or to upgrade a current base. Finding educational tools online is a relatively simple process. Entering keywords “online computer training” as well as the “desired field” in Google or other search engines will return numerous results. Qualified computer training businesses are easily found. A decade ago, online computer training was a small niche market, but as the demand has grown, so has the number of online computer training service providers.

Prior to signing up for an online course, it is essential to do adequate research on the various options available.  Begin by checking the credentials of the institutions that seem to best fit the required needs. Again, looking on a major search engine like Google for accredited online computer training schools is easy to do from the comfort of your home or office. While researching a school first may seem to be common sense, it is often a step that is overlooked by potential students. This can lead to disappointment, wasted time and money on the part of an individual looking for further training.  Many times, however, financial institutions and lenders require proof of accreditation before releasing loan funds to a college or university, especially if the learning institution is online.

Buyer beware if an online computer training schools promises to teach in a couple of weeks what normally requires a month to learn. Confirm that a school will provide comprehensive support through an 800 number and email. Look for computer training mentorship with a trained IT professional.

Whether you seek a new certification or to upgrade a current knowledge base, it is possible to accomplish your goals for a reasonable cost through online computer training. You will also find that most courses are structured so that students have the benefit of self-paced instruction. The ability to set a learning schedule has served to aid the popularity of online computer training courses. This type of self-paced instruction usually mandates more focused time to complete the study. In other words, to obtain 14 hours of training in a particular skill, the student must not log less than 14 hours of learning time, which maintains the integrity of the certification. The student’s progress is also tracked, along with other pertinent data. This enables a student to pause the study at any given point and then resume later on as time permits.

So whether an IT professional wishes to sharpen valuable computer skills or obtain a completely new skill, online computer training is a viable and relatively simple process.