Change! Change! Change!

Wake Up! It's time to change!

Why? Because many things change so you need adaptation.
You do need to be someone else. You do not need to change the essence of you. Just be your better self, like from caterpillar to butterfly. Learn! Learn! and Learn!

Be creative and Jump out of the box.

Be grateful! Give thanks to God! Gratitude is the way to respect your life and you to get better life. Ssst, gratitude is also powerful formula.

Dont worry if something ends! because the End will become beauty.

Find the Great Motivator in you.

Never let your past life become your obstacle, manage your mind to overcome it.

Set your goal.


Make good affirmation for success.

God bless you. So be it!

Relationship: Is it about High Quality or Just Compatibility?

Some of us has no confident in relationship because they only see their weak point, have many experience of mockery or rejection, or compare themselves with others. Perhaps, our system teach us as if the one who deserved relationship was the one who had quality, and start to think that we do not have relationship because of low quality (financially, intellectually, physically).

This assumption makes us try harder to improve quality to seek approval to get nice relationship. The problem is that we sacrifice ourselves and we do not become ourselves. There is tendency to act poker face and sacrifice in order to be nice person.
If you love to do it, just do it. But the problem is that many nice guys forced themselves. They do not become themselves and seek approval. While it's the time to wide opportunity to have relationship with those who accept as they are, they become needy to the women who reject them.

This problem is called nice guy syndrome. You can google the information about Nice Guy Syndrome.

You deserve to love or to be loved as the way you are. You need self development but you do not need to kill your character.

See! Many non-handsome people and fat man also have harmony relationship. You do not need to be six-packed man to get love. if you want to have six-packed stomach, do it just for you and for your health. Do not do it to seek approval from others. You do not need to be rich man to love or to be loved by women. However, you need to improve your financial life but don't do it to get love. Don't curse yourself if you are not rich nor handsome.

You can learn to develop you character in relationship. But sometimes, relationship is not about quality. It is a gift through compatibility.

Learn and Learn. Be your best self!

Read also:
- A Deaf Cat Story: Someone Will Accept You as You Are
- A Blade Looking for Sheath: it's not about quality. It's about compatibility.

What is A High-Risk Health Pool?

Thanks to the new healthcare reform bill, high-risk health insurance pools will be opening up state by state. Because people with pre-existing health conditions are riskier to insure (because they already have health issues and are guaranteed to cost the health insurance company money) many of them do not have health insurance policies. High-risk pools are state subsidized insurance pools that offer insurance benefits to these high-risk individuals with pre-existing conditions.

High-risk health pools have always existed in some states, but the new insurance regulations have made it so that a new pool will be opened in every state and those individuals who have been without insurance for 6 or more months and who can't otherwise get health insurance coverage will be able to access the pools.

While the pools are state subsidized, that doesn't mean that they are premium free. Those who participate in them must pay a premium that is often quite expensive and for some cost-prohibitive. You might be wondering why it is important that these individuals be pooled together for insurance benefits. The reason is that by pooling them, the participants who have fewer health insurance claims can soften the financial blow of those who do have frequent claims. By pooling all individuals and premiums together, you spread the risk out among more individuals and more premiums and reduce the risk of running out of money to pay claims.

The high-risk pools set up to comply with the healthcare reform bill should offer many of the same benefits as a standard health insurance policy. They may not be luxury plans with coverage for acupuncture and massages, but they will offer benefits for preventative care, wound care, illness and hospitalization as well as medications. They are a welcome benefit to many individuals who have been without any coverage and have been ignoring their health as a result.

Homeowners insurance quotes are sky high in Texas

The real question is to decide exactly what government is for. One side may say there is no real need for centralized services of any kind except for defense and broader economic management. The other side will say government is there to offer some degree of protection to all the people who live in the country. This can be supporting minimum standards of education and healthcare, offering a safety net if there is unemployment, and so on. Thus, the little government side would always avoid regulation, saying it was for the markets to regulate themselves. While the big government side would be there with regulation every time it felt the markets were not working properly to protect people's interests. There is no right answer. Capitalism as a system works well so long as the economy is sound. It gets confused about what should happen when a recession hits.

As an example of the knots politicians can tie themselves into, let us go down to Texas where the Democrats are challenging for the governorship. One of the top issues is proving to be the premium rates for homeowners insurance. The Democratic candidate asserts the rates are an average of $625 higher in Texas than in other states and this justifies detailed regulation to protect consumers. The Republican incumbent accepts the Texan rates are the second highest in the US, but denies the need to intervene in the market. As it stands, insurers do not have to seek prior approval for any rate increases. The Department of Insurance can intervene after the event if there is evidence the rates are excessive.

The campaign is coming down to a choice between keeping the current system or requiring all insurance companies to justify increases before being allowed to apply them. The insurance industry says any more regulation would kill whatever was left of competition on price. As it is, an insurer will lose market share if prices are raised too high. As the internet allows people to compare and contrast prices, it is quickly obvious when one company is out of line. If the state regulated prices, there would be no incentive to continue competition. The Democrats reject this saying the insurers collude to increase their prices together so that no company is ever really out of line. Since they are never asked to justify their increases, they think of a number and announce it. The largest homeowners insurance company, State Farm, has been locked in litigation with the Department of Insurance for the last eight years, alleging it wrongfully instructed it to reduce it premiums. Pending the outcome, no further premium rate increases have been challenged. Overall, rates have risen by 50% during this period.

Obesity and Insurance Rates

Gaining some fat during the winter is something that most of us face every year. And things like that won't affect the rates you insure your life at. But if it's much more than just a seasonal weight gain you might risk having your insurance rates lifted higher, especially if you have become overweight or obese.

The problem is that obesity has become the national health problem and insurance companies are well aware of that, charging higher rates for having too much excessive weight.

The cost of overweight in insurance rates

Most of you know that obesity and overweight leads to higher risk of developing such health problems as diabetes, heart diseases, osteoarthritis, arthritis, various types of cancer and even early death. When an insurance company is setting rates for a specific person it evaluates the overall life expectancy according to a specific demographic group. And it usually turns out that people with too much excessive weight have lower life expectancy than people with healthy weight in the same age and sex group.

Obesity is generally defined as the relation of body fat to the mass of all other tissue a person has. It is usually expressed through the body mass index (BMI) that represents the relation between a person's height and weight. The resulting number is used to define how much the person is overweight (or underweight). Officially, overweight is considered a person who has a BMI between 25 and 29.0. If a person has a BMI of 30 and higher they are considered obese.

If speaking hypothetically, if a man aged 55 with no smoking habits and a BMI of 38 would like to get $250,000 in life insurance coverage then it would cost him $4,256 per year in premiums. But if the same man would have had a BMI lower than 30, getting the same amount of coverage would cost him $3,767 per year. And it's not just a matter of insuring one's life. Health insurance costs will also be higher if you're officially classified as overweight or obese. So having too much excessive weight will certainly hit you hard on the wallet.

Even worse news for women

If you are a woman and are obese, expect to pay even more. And it's not because of sexism or harassment, but because adult women with too much excessive weight have a higher risk of developing certain types of cancer and infertility. Numerous studies have confirmed that there is a direct link between obesity and certain female-specific forms of cancer. And when there's the word "cancer" on the horizon, insurance providers tend to get very expensive.

In order to get lower life insurance quotes you should certainly do something about the excessive weight if there's too much of it. And it's not a matter of minimizing costs (though, you will certainly save a lot on medical bills and insurance costs) but a matter of your own good. By keeping a healthy weight you will improve your health and minimize the risk of developing numerous problems. So it's definitely for your own good, especially if you want to have health and life insurance rates really low.