Travel Insurance Questions to Ask

Thankfully there is a lot of choice available in travel insurance right now because it helps consumers get a great deal on travel protection. But a great deal doesn’t only mean the cheapest deal you can find. Sometimes cheap travel insurance plans are not the best option. Whenever you travel you need to make sure you are fully covered in terms of how long you will be away, which countries you visit, which activities you take part in, and whether you have any special needs. There are some questions to ask before you can be sure that the travel insurance […]

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What to do when you can’t afford your tax bill?

Every now and then, people find that they are unable to pay their taxes on time. This is apt to put some people into a panic, but others may choose to ignore it. Fortunately, there really is a right way to approach the tax deadline – even if you do not have the money to pay it. Do Not Ignore It Probably about the worst thing you could do is to do nothing. There is a deadline date for a reason, and the Internal Revenue Service (IRS) would like to hear something from you. Filing the forms on or before […]

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Know the difference between Health Savings Account (HSA) and Financial Spending Account (FSA)

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) have been a welcome introduction to the healthcare landscape over the last decade. Consumers love the ability to save money by investing in these plans and thereby avoiding taxes on the amounts they contribute, but do you know the differences between each type of plan, and the details of how each one works? You are, for the most part, not able to contribute to an HSA and an FSA in the same year and your employer will likely only offer one of these options to you, so even if you prefer […]

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What happens if U.S. backs out of Paris Climate Change Agreement?

Since Donald Trump’s inauguration as the President of the United States in January, the world has found itself uncertain of what sorts of changes would be implemented in U.S. policy. Many policies that had been established by the administration of Barack Obama, or which had even been entrenched well before he took office, have already been abandoned or reversed by the current president. This leaves many world leaders uncertain as to where the United States stands on a variety of issues. The latest example of this is the Paris Climate Change Agreement, which the U.S. has opted out of. What […]

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Underinsurance and Overinsurance: Risks and Tips for Prevention

Ideally, we all want to have exactly as much insurance as we need to protect our assets and take care of ourselves in case of an emergency. Unfortunately, though, many people are overinsured or underinsured rather than having the right amount of insurance. Here are some tips for preventing this issue and why you should be aware of it. What Is Underinsurance? Underinsurance occurs when a person doesn’t have enough insurance to cover what needs to be covered. This can include a medical condition, a property, or something else. According to Investopedia, inadequate coverage can result in a claim that […]

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Special Enrollment Periods: Qualifying Events and How to Apply

Normally, you have to enroll in your Healthcare Marketplace insurance plan during the open enrollment period, which is usually from early November to late January. However, there are some circumstances that may allow you to qualify for a special enrollment period (SEP) and provide you with the opportunity to choose and enroll in health insurance coverage at a time that is different from open enrollment. What Are the Events that Allow You to Qualify for an SEP? Certain, life-altering events can allow you to qualify for your own SEP. These can include Moving Getting married Having a baby Adopting a […]

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Long-lasting Insulin: An Insight into the Use, Dosage, Types and Alternatives

Long-lasting insulin, or long-acting insulin, is a type of treatment medication used by diabetics to compensate for the lack of insulin released by their pancreases. This particular type of the medication allows individuals with diabetes to receive their necessary insulin all day long, usually without requiring another dose. Long-lasting Insulin: How Does It Work? Long-acting insulin works to keep a person’s blood sugar at a normal amount throughout the entire day. This is usually because the pancreas itself does not release enough insulin––or any at all. Most individuals need insulin between meals and throughout the day to maintain a healthy […]

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How selenoprotein P is linked to diverse effects of exercise on individuals

Have you ever wondered why some people seem to get all the benefits they are supposed to get from exercise––like feeling energized, losing weight, building more toned and defined muscles, etc.––while others exercise the same amount and see no change? Are you frustrated with the way your work out regimen doesn’t seem to be making any difference in your lifestyle or your look? If so, it might have less to do with your routine and more to do with your proteins. What Is Selenoprotein P? Selenoprotein P is, according to a 2005 study published in the medical journal Annual Review […]

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Meditation Offers Solutions for the Stress of Student Life

While we often see that in film and media college life is portrayed as an exciting and carefree adventure, the reality is that for an increasing number of students, college life is extremely stressful. How stressful? According to CollegeAtlas.org, 70% of Americans will study at a 4 year college, but fewer than 2/3rds will graduate. And 30% of college and university students will drop out after the first year. There are many reasons that students today are having such a challenging time coping with the academic experience. For some students, the pressures of being away from home are something they’re […]

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What Does the Trump Presidency Mean for the Travel Industry?

After a long and contentious campaign, the United States Presidency leaves the world with a variety of questions that impact foreign policy, immigration, military considerations, the economy, and many other areas. The travel industry is certainly one area with a number of considerations to weigh. One of the reason President-Elect Donald Trump’s campaign was so controversial was his stance on relations with many foreign countries. Whether it was his insistence that the United States would curb immigration from Mexico by building a wall between the neighboring countries, or declaring that Syrian refugees would not be welcome, or suggesting that U.S.-Russian […]

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Health Effects of Recreational and Medical Use of Marijuana

Marijuana is a drug. It’s a drug that alters the mind. It comes from the cannabis plant. When the plant is smoked or ingested, the chemical delta-9-tetrahydrocannabionol (THC) produces psychoactive effects. Users will smoke marijuana by grinding up the cannabis plant and roll it into cigarettes, also known as joints. They may also place the crushed plants into pipes or water pipes, which are called bongs. Vaporizers are also used, and are becoming most preferred because it doesn’t produce smoke. Those who ingest marijuana make brownies, candy, cookies, and drink tea made from the plant. There are also THC-rish resins, […]

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