How to Find the Best Individual Dental Insurance Policy

If you have health insurance through your employer there is a very good chance that you also have access to a dental plan. According to an article on businessinsurance.com dated June 9, 2010 80% of employees with health insurance coverage also have dental. But 70% of consumers that buy their own health insurance do not have dental coverage. And just as dental insurance is the number one requested benefit among employees, many individual consumers are actively looking for a good dental insurance plan.And that brings us to the key question: how do you know if a dental plan is a good buy? In today’s marketplace there are a wide variety of dental plans available. The costs for the various dental plans are range from amazingly inexpensive to too expensive to make any sense. Follow these tips and you will get a dental insurance plan that actually makes sense.Discount Dental Plans: These are generally the least expensive in terms of premium but can turn out to be the most expensive in terms of benefits. Before buying a discount dental plan, make sure that there are a large enough number of providers in your geographic area. Even more important make sure that your dentist is one of them. If you dentist is not one of the participating dentists are you willing to change dentists? You will also want to get a list of the discount for cleanings and exams since this is the area of a dental plan that gets the most use.HMO/PPO Dental: These dental insurance plans offer a network of participating dentists who have agreed to accept the insurance company’s payment for specific services. While the coverage is generally excellent you will have to use one of the participating dentists so just like the discount plans you want to make sure that you dentist is on the network or at least that there is strong network in your area. The PPO dental insurance plan will provide reduced benefits for going out of network. Before buying this type of insurance you should know whether you will generally be out of network and what those benefits are.Indemnity Dental: This is the most popular form of dental insurance because it allows you to go to any dentist. These plans pay benefits based on what is reasonable and customary for your area. If your dentist charges more than the insurance company considers reasonable you will have to pay the difference. As a general rule this difference is not going to be a lot of money since 80% or 90% of the dentists will fall into this category.Is it a good buy?If you are going to buy dental insurance the first question to ask yourself is this: do I get my teeth cleaned twice per year? If not will I make a commitment to get my teeth cleaned twice per year? If your answer to these questions is “no” you should not buy dental insurance. If your answer is “yes” then dental insurance is probably a good buy. As of October 2011 a cleaning at my dentist costs $118. A set of bitewing x-rays once per year costs $60. Since I get my teeth cleaned twice per year I am going to spend $296. As a general rule if you get back 75% of your annual premium in cleanings and exams then dental insurance is good buy. In this example if your dental insurance cost was $390 or less it would be a good buy. Since your dentist is likely to increase his fees each year you can expect that your dental premium will increase as well. If your use each year equals 75% of the premium or better it pays to keep your plan.Look for a plan that provides 100% coverage for preventative and diagnostic care without an annual deductible. You will also want a plan that provides coverage for fillings, extractions and larger expenses such as crowns and root canals. In my opinion a plan with a graded benefit is better than a plan with a waiting period for these additional benefits since it provides immediate coverage and you never know what can happen. If you are likely to recoup 75% of your investment with routine cleanings and exams than any benefit above that makes the plan even better financially.

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The Automotive Employment Market Is Still an Open Playing Field

In the automotive employment market there are still very attractive job opportunities available all over the world. So if you are in the automotive employment market and want to make a change there are still a lot of opportunities all over the world.In this modern world there do exist a massive shortage highly skilled automotive technicians all over the world. So if you are a highly skilled auto technician you can choose where you want to work in the world.By just applying on one of the many automotive recruitment companies web pages, and they will search a job opportunity for you any place in the world. The fact is that a lot of emerging automotive markets have opened up in reasoned years, due to the power shift in the automotive industry.This automotive employment market is going to become even bigger in the future as all new type of cars is going to hit the market. Like all the “EV” cars that are still in the prototype phase. All these cars will have new technology implemented into them, so new personnel must be trained to work on them in the future.This will bring a paradigm shift into this automotive employment market, even the training methods and the skill sets that must be trained have to change in the very near future.This will cause the manufacturers to start running extensive training and develop programs, to have highly skilled technicians to assist them to establish their brand. There will be coming new brands and brand name into the playing field and these brands will need to still build their names in the market place.To build a brand name you need a powerful after sales service you can assist your customers with. This alone will create a new automotive employment market to the auto industry; just imagine an electronic or chemical engineer working at your local car dealership.It may sound farfetched but it is possible as the cars in the future will be driven with power plants like fuel cells, hydrogen emission and electric motors. All of this is going to come to the market place in this modern world sooner than most of us do realize. So the predictions are that a big portion of the existing automotive workforce will leave.They will leave this workforce as they are from the old school with old school principles that will become extinct with this new technology. The human tendencies are that you will stay ignorant if you become a member of the old school club. This only happens as the older people were conditioned that they can only learn something up to a certain age. All of us know this is not true but the system wants them to leave as it is harder to change and old horse to get rid of his or her habitsThe system was created to develop a group of slaves that would be easier to condition, into what this slave system needs and not what the workers needs. That is one of the reasons why the older leading hands in the automotive employment market gets removed or retrenched. The general modern business conceptions are that older people are resisters to modern business, as they don’t want to change.If all this highly skilled people are removed in the future the whole automotive industry will suffer a massive skills and brain lost that could have passed on to the younger people. Findings are that most of this older people in the automotive industry don’t want to share their knowledge and skills anymore, because they don’t see themselves as resistors for future development in the automotive industry.So the automotive employment market will suffer great losses in the near future, due to this phenomenon.

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Nutrition and Education – Three Secrets for a Lifetime of Success!

I’d like to begin by sharing with you a very interesting and inspiring fact about my children. One is twenty; the other is twenty one, and if you were to ask them right now what their favorite foods are you’d get the same answer they’ve given since they were in high school. Can you guess? They’d say their favorite foods are salads! Pretty impressive don’t you think? Interesting and unusual because that’s sure not the answer you’d get from most of their friends. They love fresh, organic and local fruits and veggies. They thrive on the eggs we get from a local farm. They’ve always eaten close to the earth and almost no boxed, canned or packaged foods. You might be thinking it’s much more expensive to eat this way and who but the wealthy can afford this way of eating especially in these times of recession. We’ll get to that, and you’ll be surprised at how your perception might shift when you hear some very cool facts.Our kids were home schooled for many years because we believed little kids naturally want to move, play, learn all day from the time they wake up till the time their little heads hit the pillow in a heap of joyful exhaustion. This felt more normal than having them ‘need’ to sit still, stop squirming, pay attention with their minds only, and learn academics only one way ~ at a desk, in a stuffy classroom where no fresh air was allowed in, and for hours and hours every day. There’s no judgment, just observation and opinion. They later chose to enter the public school system and there they stayed until high school graduation. They observed a change in their study habits, mid afternoon energy levels, and love of learning based on foods and drinks offered in the vending machines and cafeteria, and the way they were made to learn. Who better to understand the co relation between nutrition and education than our kids themselves! Listen and learn. It’s simple and easy if you allow your kids to guide you in these very important areas, especially from a very early age once you’ve chosen to introduce them to healthy choices and they don’t know any different. If you’re reading this and your kids are older, middle school or high school age, changes are still able to be made, and need to be made if they’re not feeling their best, operating on a full tank of energy, or calm and alert in their minds. It’ll just be a little trickier and you and they need to be more patient while the body adjusts slowly to healthier choices. Also for the mind to accept a better way is a more consistent way of perceiving food as medicine and medicine as food.You’ve heard all the data and evidence about healthy eating and the relationship between good nutrition and a focused mind. You’ve read articles, books and magazines about how our schools are feeding your kids nutrient deficient foods laden with hidden fats, sugars and chemicals. You know it’s not their fault that they may be overweight, more sedentary than ever before because of the time spent in front of electronics rather than playing outdoors. So let’s get to these secrets! They all have one thing in common: they appeal to the senses which makes it easy to eat right pretty much all the time!Secret Number 1: only stock your fridge and cupboards with healthy stuff!Keep the fridge full of color, so when everyone in your home opens the door their sense of sight is delighted! To see a bowl of apples, one of oranges, lemons, and berries is enticing. A small bowl you’ve filled with water and have cut up carrot and celery sticks is available for an immediate hunger burst. Healthy little baby bell and laughing cow cheeses, fun to unwrap and a low calorie nibble of protein satisfies quickly. Some other form of lean protein like chicken fingers you’ve made yourself from an easy recipe using a lean organic chicken breast cut into stirps, dipped in an egg wash, a whole wheat flour/parmesean cheese and panko breadcrumb mixture and lightly fried in canola oil offers another quick and easy nutritious gift for you and your family. (I’ve got many recipes coming soon on my website to help you with quick and simple healthy meals you can make once a week to have on hand).Fill a platter that has separate compartments or areas with various nuts and dried fruit ~keep it on the counter, again for a quick healthy snack, because in our society everything is wanted now and needs to be quick to satisfy ~ these suggestions pack a great nutritional punch for sustained energy releases and forget the bagged chips, creamy dips, frozen boxes of stuff with pink dipping sauces, and go for the good stuff that regulates emotions and keeps you and your loved ones in perfect health.As for drinks, considering the majority of the world is in water crises, we’re so fortunate and blessed to be able to turn on our taps and drink pure water ~ water is the most thirst quenching liquid you can drink, and is by far our family’s best choice. Sometimes a little juice we mix one quarter orange, grapefruit, pommegranete or other dark juice with three quarters water. Usually that’s with a salad, or on it’s own. Get an eco friendly cool looking little re usable water bottle for each member of the family and keep it filled with cool water in the fridge ~ kids love something of their very own and will find it an easy and fun responsibility to keep their bottle full of water! I plan on writing an article specifically on the amazing benefits of water so trust me, it’s the most wonderful choice you can offer your kids for bathing all their trillions of cells in a hydrated powerful way!This secret alone has the potential to create a lifelong love of preventative health through nutrition, and costs much less than lack of ease that develops in the body through poor food and drink choices; and resulting in sicknesses, illnesses and discomforts of all sorts.Lastly on secret number one is that you can go to a store like Trader Joes and pick up a bag or two of all these foods for an incredibly low price. Much less so than you’d think! Organic meats, chickens, and fish; fruits, berries, nuts, seeds, grains, legumes, tasty little treats like frozen mocha balls which kids find fun to eat and have far less sugar than other typical ice cream treats.Secret Number 2: Instill in your kids a love of learning! Education isn’t just experienced in a classroom, and home work a necessary addition to that. Encourage them to question everything. To ask after all the things they’re curious about, and to keep on being curious about anything and everything. It’s not always a popular way to be because most kids just follow what they’re told, and get along just fine. For a lifetime of success, defining success as a happy wholesome balanced self referred way to live through the ebbs and flow of life with grace, dignity and kindness, get your kids use to the love of learning about their inner and outer worlds. Do this by talking about their dreams together; by encouraging them to try things they’re interested in without forcing a commitment for lengthy periods of time; by adjusting and tweeking schedules to make room for the unusual; allow them to be kids and no matter what they’re living situations let them ask you about it, and answer simply, rather than saying something like, ‘because I said so’… watch and witness the joy in their eyes and let that inspire and inform your own life! Listen actively to them.Secret number 3: Go with the flow. Truly, let your life speak to you and follow your own passions either as a vocation or an avocation, because rather than following the crowd, or settling for less than, be brave and shift directions even slightly in order to allow for a life of more peace for yourself. Many circumstances are not in our control; life is tough sometimes, disappointing, rough to the emotional stability of our balanced personality; and sometimes the best made plans are thwarted through no fault of our own; sometimes we gain everything we desire; and sometimes we lose everything that makes us comfortable and secure. If you can be like the mighty oak, sturdy in your inner foundation and flow, bend and bow like the gentle willow tree you’ll be teaching your kids through action, to choose well. Eat healthily, and exercise even 20 minutes of dancing round the living room a day; keep on expanding and exploring your thoughts so you remain youthful and alive to life. What a great gift for your kids to witness and for them to emulate. Be a colorful shining example of what it’s like to creatively keep your home full of health giving foods. Continue to educate yourself on whatever pleases you, and even if you’re in a job you aren’t thrilled about, find the gifts in your daily grind ~ so you lift your vibration to draw a more pleasing better fitting job to you. The only constant in life is change, and if you can go with the flow you’ll create a lifetime of success within the hearts and minds of your kids!

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