Home Tips

Take Control of Your Retirement – A Retiree’s Take

There is more to retirement than just leaving work. As far as retiring is concerned, I have always observed that young people are either in the dark or know so little about planning for their retirement. Ask anyone who has been on the job for some time and they will tell you that financial freedom after you leave work results from meticulous planning. As a retiree who has seen and done it all, I have always believed that anyone who wants to leave work someday has a right to be informed. In light of this, here are some of my best pieces of advice for anyone who is planning for his or her retirement.

You Need a Financial Planner

When any young man tells me about his intention to leave work, the first question I ask them is, ”do you have a financial planner?” If not, what are you doing to secure your financial future? I’m always not surprised to realize that these people do not have an elaborate plan on how to secure their financial lives. Planning for retirement can be tasking. I have always believed that getting out of this financial maze requires an objective approach, which is where a financial planner’s service comes in.

Start Early

Like I shared, I did not know much about planning for my retirement at a young age, but at least I was able to forge a plan. Though I started late, from 36 – 47, my passion for retiring sooner was critical in helping me. This meant that I had to make some sacrifices, some of which meant saving more and struggling with investments. If I had been able to start again, which is just a wish, I would start investing and putting away anything I can afford for the future.

Curb Your Spending

I always see young people getting themselves into a financial mess when they could liberate themselves from financial woes later in life. Looking back, I can confidently affirm that instant gratification will never bring happiness, but experience and investments will. I often feel sorry when I come across a young man with a luxury vehicle but not even a single investment. The key to enjoying life past your 40s is to focus on experiences and not material possessions.

Work on Your Credit Score

Having been a financial student to some godfather who understood things finances, I can confirm that I got some good advice early in life. Therefore, I always purposed to ensure that I had a perfect credit score, which meant that I avoided using credit to finance lifestyle pleasures. Because I am also human, I made my mistakes and later corrected them. I have lived a full life with a near-perfect credit score. This means whenever my wife and I decide to tour some exotic destinations, I move freely, knowing that I am not tied to unnecessary debts.

Own a Home

Having a home is key to enjoying life after work. But this does not mean burdening yourself with life-long mortgages when you can live comfortably in a small and affordable home. I had a small and environment-friendly home before I left work. I had always dreamt of owning a luxury home, but my wife was of a different opinion. After serious consideration, I bought my wife’s idea and built a simple house that I could afford. The fact that mortgages and expensive bills do not burden us means most of our paycheck is devoted to family and travel expenses.

Some people are tempted to believe that I had a decent income back in the day, looking at my life. But when we share, they are often left in awe. My salary, at the time, was average, if not meager. But thanks to strategic investments and savings, I managed to get the best out of my average take home. If I had to mentor anyone, I would advise him or her to live within their means and always have the bigger picture in mind: to retire early. Well, it is not easy, especially when those around you are enjoying life with a big spoon, but the focus is key to securing your financial future.

Home Tips

How to Organize Home Cleaning Tasks

Being a homeowner is one of my greatest achievements, but the responsibilities that come with it are something that I have struggled with. Not so much keeping up with the repairs as I expected this. But it’s keeping up with the housework that I found to be a real challenge. As a first-time homeowner, I didn’t realize how time-consuming this would be.  So, I decided that if I wanted to have any time to myself, I needed to develop a plan that would let me get all the cleaning done and leave me time for myself. It worked, so I thought I would pass my ideas along to you if you were having the same problems.

 

Start With a List

I realized that one of the problems I was having was that I was not organized. I wrote a list of all the tasks that had to be done. I broke the list down into what had to be done daily, weekly, then on occasion.

 

My daily tasks were simple: Making the beds, doing the dishes, and tidying up the living room at the end of the evenings. The problem here was I didn’t do these tasks at the right time. Then just before going to bed, they all needed doing. I realized I needed to organize my time better. As soon as I got up in the morning, I made the beds. Right after dinner, I did the dishes. Then all that was left was to tidy the living room. I no longer felt overwhelmed.

 

My weekly tasks:  I am a working woman, so all of my housecleaning chores got left to the weekends. Which meant that I had no time left over to do some of the things I wanted to do. To solve this problem, I went to my list of chores, which was comprised of:

 

  • Sweeping and washing the hardwood floors
  • Vacuuming the carpets
  • Dusting
  • Doing the laundry
  • Organizing the clutter created throughout the week.

I decided to assign one of these chores for each day of the week. Doing them individually was a lot better than cramming them all into one day on the weekend. Once I had prepared dinner while cooking, I would do all the dusting. Then the next day, I would do the vacuuming. It ended up, so I was doing one of the weekend chores each day of the week. When the weekend came, I was thrilled that all the housework had been done, and I had the whole weekend to myself.

 

I planned to do them on the last weekend of every month for the occasional chores.

 

Taking It a Step Further

I also discovered that I was wasting a lot of time doing the chores. I spent more time getting everything together that I needed than I did on the tasks themselves. It meant I needed to get organized here as well.

 

I set up a cleaning box that had everything in it that I needed. After each use, I made sure that I restocked it, so it was ready to use next time. After using the vacuum, I cleaned it out, so it was prepared to go again. I was almost able to cut the time spent on my cleaning chores by one quarter by following these few steps.

 

Relying on Others

As the home lady, I felt it was my responsibility to keep the house orderly. I now realized that I was not the only one living here, and it was time everyone pitched in. Like the kids putting their dishes in the sink, just simple things helped. Or my husband removing his shoes when coming in from working in the garage.

 

The Bottom Line

The biggest lesson I learned from all of this is that it really comes down to two things. One is time management, and the other being organized. I was surprised that I had not applied these two concepts to this area of my life before. I practice both excellent organization skills and time management in my working environment. I didn’t realize I could carry these skills into my home life. I am no longer a slave to housework.

 

Recipes and Cooking

5 Easy Christmas Dinner Recipes

Christmas is an annual festival celebrated worldwide. We decorate our homes and exchange gifts this season. Besides, it’s the time where families and friends come together. Wondering what dinner recipes to prepare for Christmas?

Below are five easy dinner recipes for Christmas to work with.

Apricot- Filled Pork Loin

  • Ingredients
  • Clove garlic
  • Ground Pepper
  • Freshly chopped rosemary
  • Dried apricots
  • Low sodium fat-free chicken
  • Pork thigh
  • Salt

The number of ingredients depends on the people to be served.

Preparation

  1. Place apricots in a pan, add half a cup of water. Use medium heat for the water to boil. Remove the pan from the heat source and allow it to heat for about 15 minutes for apricots water absorption.
  2. Get a long knife to cut a hollow opening on pork loin: mix garlic, salt, and apricot mix in a bowl. Fill the space of the mixture.
  3. Tie the loin at intervals and Heat the oven up to 325 degrees F.
  4. Grind garlic, salt, rosemary, and pepper with a pestle and a mortar. Apply the combination on the pork haunch evenly. Roast the pork loin for 50 minutes.
  5. Pour broth, put back the meat in the oven until 150 degrees F is reached for the internal temperatures.
  6. Get a sheet to place the roasted meat and garnish it with rosemary. The meal is ready to serve.

The whole preparation takes about 2 hours and 30 minutes.

Beef Tenderloin Together With Cauliflower Salad (Roasted)

Ingredients

  • Olive oil
  • Shallots
  • Pomegranate seeds
  • Mustard
  • Cauliflower
  • Pepper
  • Beef
  • Kale
  • Lemon juice

Cooking Direction

  1. Preheat the oven to 475° F. Gets a baking pan or sheet for beef placement. Also, use a brush to apply salt, pepper, and a tablespoon of olive oil to the beef. After 12 minutes, remove the food from the oven.
  2. Chuck a half tablespoon of olive oil and shallots in cauliflower. Use salt and pepper for seasoning. Disperse the mixture on the baked meat and place it back in the oven for about 20 minutes.
  3. Use a foil to cover the beef for 10 minutes. Whisk lemon juice, mustard, olive oil, seasoning with pepper and kosher salt.
  4. Heat the baby kale in a pan together with other vegetables. Add the olive oil mixture and the pomegranate seeds. Allow the beef to stand before slicing.

 

Horseradish Sour Cream and Mashed Potatoes

Ingredients

  • Potatoes
  • Sour cream
  • Horseradish
  • Unsalted butter
  • Kosher salt
  • Fresh chives
  • Black pepper

Directions

  1. Boil potatoes in salted water for about 20 minutes and drain them. Reserve half a cup of the cooking water.
  2. Whisk horseradish and the preserved sour cream together. Use kosher salt and adequate amount of black pepper for seasoning.
  3. Mash the potatoes with butter and sour cream mixture. Add the reserved water for thinning.
  4. Finally, transfer the mashed potatoes giving it a butter and chive topping.

 

Roasted Mushrooms and Radicchio

Ingredients

  • Shallots
  • Olive oil
  • Sherry vinegar
  • Mixed mushroom
  • Black pepper
  • Leaf parsley
  • Kosher salt
  • Head radicchio

Directions

  1. Get a baking pan and chuck oil and shallots. To improve its taste, we can season it using salt and pepper. Then roast the shallots for about 20 minutes with a preheated oven to 425°F.
  2. Add mushroom, oil, and tossing combination. Return mixture into the oven for about 30min so that mushrooms and shallots can become tender.
  3. Put shallots and the ready mushrooms in a container, add the required parsley, radicchio, oil, salt, vinegar, pepper and toss them together.

The preparation takes approximately 1hr. As we await the dish to be ready, we can take our kids through the preparation methods and what to expect from this meal.

Cumin Lamb Leg Served With Roasted Garlic and Tomatoes

Ingredients

  • Tomatoes
  • Head garlic
  • Olive oil
  • Fresh thyme
  • Lamb’s leg
  • Cumin
  • Salt
  • Pepper

Directions

  1. Heat the oven to 400°F. Toss to combine garlic, lamb, tomatoes, salt, and pepper in a pan.
  2. Put the lamb between the tomatoes and add cumin, salt, and pepper for seasoning.
  3. Roast the lamb up to an internal temperature of 130 degrees Fahrenheit for about 90 minutes.
  4. Transfer the lamb into a wire rest, let it stand for about 10 minutes, and slice it. As such, it will be ready to serve.

Highlighted above are a few easy dinner recipes for Christmas. There are many other recipes available online to work with on the big day. We can use one of these recipes to make exciting and delicious meals for our loved ones.

Home Tips

Modern Living Room Decoration Ideas

I’m a woman and let me begin by saluting all women out there for the great work they do in their homes. As some people say, the home belongs to a man, but the house belongs to us, women. While I rarely subscribe to general views, I’m one of those people who subscribe to this particular view, and I’m sorry to admit this, just in case anyone out there is not one of the subscribers. But let me pose a question; if someone came to my house and found it dirty, disorganized, and cluttered, whom will they point an accusing finger at, me or my husband? Truth be told, I will be the one to take the hit. Besides cleanliness and tidiness, the decor is one thing I value the most – I just don’t compromise when it comes to getting it right.

Need some modern living room decor ideas? That is exactly what I’m going to discuss in this post. After years of tweaking decor ideas, I have managed to come up with what I believe will work for the readers of this post, given that I have seen it work for many people who have been coming to me for advice.

Leveraging the Wall Art

Wall art is one of the simplest ways of defining the theme of any living room while at the same time boosting the aesthetic value of the space. When choosing wall art, I always want to consider the decor of my house. Since  I’m in love with coastal themes, I particularly use American flags and faded prints to bring that feel into my living room. If I’m working with a farmhouse or cottage theme, I may want to choose an animal or botanical prints to complement that.

Use of Rugs/Carpet

Having a carpet in the living room is not news anymore, given that most modern houses have them. However, there are still many people out there who don’t know that having a rug in the living room complements the overall decor of the space. Now, when choosing a carpet, I don’t just go for any color. I always choose a color that will blend with the theme of my house. Given that I have beige sofas, I opted for a rug of the same color, but with some white accents, just to ensure that the room does not look dull. I also have a cream-white rug, though I rarely use it because the little ones tend to dirty it in a day or two. Nevertheless, it has never disappointed me every time I have turned to it.

Wall Mirrors

If anyone out there thinks that wall mirrors are out of date, then they may be wrong. I held a similar view until I visited a house that belonged to a professor in my locality. And while his living room had lots of valuable things, the mirrors on the wall are what struck me most, given that it was the only unique thing I saw there. Two round mirrors overlooked each other on both sides of the living room. They had a wooden frame, and they looked great – I still remember them like yesterday. Now that I did not want to be accused of copying and pasting (writers would call this plagiarism), I opted for oval mirrors, and they look even nicer. With wall mirrors available in various different designs and sizes out there, it is easy for me to find one that suits my living room.

Wall Clocks

I have seen wall clocks ever since I was born, but the more times change, the more they become modern. I’m not saying this so that anyone out there can continue hanging that 1970-wall clock. Getting a modern wall clock is the way to go. I use a glam wall clock in my living space, and it has always been the center of attention. The secret is to hang it where all the visitors will see it.

What About Shelves?

I use shelving to display my favorite items, including books from iconic authors and family photos. While these items are my treasures, they are decorative as well. While displaying my decorative items using shelves, I prefer choosing color-coordinated items to ensure they blend with my living room theme.

 

Fitness

What We Need to Know About Low-Impact Exercise

While exercising regularly is an essential part of our life, heavy exercise can be harmful to our joints and muscles. It can lower the quality of our lives. Besides, heavy training is not suitable for everyone. For instance, if I have joint pain and I’m lifting heavy objects, the problem can worsen, resulting in long-term complications. Thankfully, there is what is known as low impact exercise. I commit to sharing with you in detail about this type of activity in this piece. So, let’s start right away.

Low Impact Exercise Explained

Low impact exercise is the exact opposite of high impact exercise. To put it simply, it is a form of exercise which exerts minimal pressure or stress on our joints, including ankle, hip, and knee joints. In fact, some people consider low impact exercise as merely a warm-up to high-intensity training. Examples of low impact exercise include Pilates, Tai chi, yoga, swimming, cycling, walking, golfing, dancing, rowing, and hiking, among other activities.

Who Is Low Impact Exercise For?

I must mention that low impact exercise is not a preserve of any particular group of people. In fact, almost all of us get involved in some form of low impact exercise. Who does not walk, for instance? What we must understand, however, is that there are people who are not suited for heavy training, and this is for some good reasons. So, who is low impact exercise meant for?

Pregnant women: Yeah, I had to mention this, even if it is an obvious one. We must not forget that pregnant women experience an increase in body weight. This exerts more pressure on their joints and could result in joint pain. Thus, subjecting these people to high impact exercise is like adding the proverbial straw to the camel’s back. With low impact exercise, pregnant women can still keep fit and boost their flexibility, which comes in handy during child delivery.

The elderly: While exercise does not discriminate against any of us based on age, we must put this claim in context. Let’s imagine if an 80-year old grandmother was to lift some heavy weights, say 50kgs or so? That would be an injustice to their body. The crux of the matter is that our bodies grow weaker and weaker with age, including bones, joints, and muscles. As such, we are forced to do away with some forms of exercise, no matter how much we love exercising. That is where low impact exercise comes in. We can do yoga even in our 80s, not to mention swimming or walking, etc.

Obese patients: Most obese people experience joint pain due to too much stress on these parts of the body. If we indulge in high-intensity exercise when we are overweight, there are high chances that the pressure on our joints will even be more, leading to further pain and even inflammation. So, we should opt for low impact exercise if we know that we have this condition.

Benefits

Now that we know what low impact exercise is and who can benefit from it, it is now time to discuss the next level and look at the possible advantages.

Improved cardiovascular health: We don’t have to be great runners, such as Kenenisa Bekele and Eliud Kipchoge, to improve our cardiovascular health. If we can regularly undertake low impact exercise, we will experience improved blood circulation, alongside other benefits.

Muscle endurance and strength: A long-term low impact exercise routine can add endurance to our body muscles and make them even stronger.

Weight loss: While most of us still believe that weight loss can only occur when we take on heavy exercise, the fact is that even low impact exercise can get the job done. However, we must be patient since the change in body weight can be slow and subtle.

Health, Recipes and Cooking

The Healthiest Cooking Methods to Cut Calories and Add Flavor

Some people think that healthy cooking can only be attained with expensive cookware combined with the skills of a gourmet chef. On the contrary, it takes basic cooking techniques to prepare a healthy meal. One of the main culprits of poor diet is saturated fats that are found in butter and lard. Roasting is one of the best methods for keeping it low on fats. In my years of healthy cooking, I always consider the techniques that not only reduce calories but also retain valuable nutrients without adding salts and fats. I’m happy to share with you my favorite culinary approaches.

Steaming

Steaming facilitates a consistent flow of hot air that gently cooks food above the liquid without actually being submerged. This allows nutrients to remain in the food. In some instances, I can add some water, wine, or broth as an infusion. The ingredients pieces need sufficient room to absorb hot steam so they can cook evenly. If a liquid is involved, it should not go beyond two inches below the suspended food. The steaming appliance is usually a perforated platform but it is also possible to steam food directly on a plat or basket if the juices are needed in the finished dish. Examples of meals that can be steamed include vegetables, mushrooms, dumplings, fish, and chicken. Steam burns can be severe so I must protect my face and hands from the pot top when removing the rid.

Stir-Frying

Stir-frying is best for cooking a single ingredient that has been fully prepped with high heat and some oil. A classic stir-fry requires the cooking materials to be chopped into smaller pieces for even cooking. The food is stirred by shaking the pan or moving with a utensil. When stirring, I start with the materials that take longer to cook because the others may overcook if I put them first. The idea is to have everything done at the same time. I have found a large skillet or a wok frying pan to be efficient in stir-fries. Examples of recipes for this method include spiced beef and vegetables, chicken and spinach stir-fried with oyster sauce and ginger, and lemon and scallion chicken.

Broiling and Grilling

The two techniques expose food to the source of heat directly. Like roasting, broiling and grilling make the fat drip off. Broiling is the process of putting food on a broiler rack with a heating element above it. Food is best grilled in an outdoor setting. This involves the placement of the ingredients on a grill rack. A bed of charcoal embers is one of the best sources of heat for grilling. Gas heated rocks are also great. Every grill comes with a user manual issued by the manufacturer. Smaller food pieces like chopped veggies should be put inside a long-handled grill basket or wrapped in foil to avoid sipping through the rack.

Best Flavoring Choices

I can’t get enough of meals flavored with herbs and spices. Natural flavorings not only add the much-needed aroma but also enhance the food color without additional salts or fats. Culinary herbs are some of the best flavor boosts for any type of meal. They also contain protective phytoestrogens and can be used to replace salt and cooking oil. When shopping for herbs at the grocery, I must pick fresh and brightly colored herbs that are not wilted. I add these at the end of my cooking session. I love dried herbs as well which come in handy at the earliest stage of cooking. Dried herbs have a stronger flavor than the fresh ones yet each has a unique taste. The only products I avoid are the pre-packaged seasoning mixes since they are infused with excessive salts. Far from boosting the flavor, herbs make perfect additions to salads, mustards, soups, drinks, and bread. My best spice collection for stir-fried vegetables includes garlic, coriander, lemongrass, chilly, and ginger. Other flavorful options I can’t fail to mention are:

  • Low-fat marinades: Best for grilling, roasting, and broiling. A home-made marinade comprises oil and vinegar/citrus juice in the ratio of 1:2. Herbs and spices may be added as desired.
  • Dried mustard: Best for adding zesty flavor.
  • Dried veggies and fruits: Cranberries, mushrooms, currants, cherries, and tomatoes provide more intense hints when dried than fresh.
  • Hot peppers: Fresh pepper needs to be finely chopped after removing the membrane. Less is more when it comes to adding hot peppers.
  • Vinegar and citrus juices: To be added at the last moment on vegetables.
Home Tips

Money-Saving Tips Around the Home

When tough times come knocking, that is when you understand the importance of saving for a rainy day. This has often been too late in my experience. Many people go around feeling like saving is impossible, especially when there are many mouths to feed. However, I have found several ways to save and even have fun while at it. Here are a few tips I use without even thinking about it.

Bulk Shopping

Shopping every time I need something, especially groceries, forces me to focus on the urgency rather than how much I am spending. This is often the quickest way to deviate from my budget. Buying in bulk has many advantages. Aside from cutting down the grocery store trips, it also allows me to enjoy discounts on cumulative items.

Collecting Pocket Change

One will not often think much about the coins gathered as change. However, when I collect them long enough, I end up saving more than I expected. Such coins have often appeared as my saving grace, especially when I didn’t have loose cash to spend on an urgent household item.

Growing Herbs

Gone are the days when almost everyone owned a piece of land. Although urbanization has changed how people acquire food, I use small pots and planters to plant a few herbs. This cuts down my grocery expenses since most of these herbs can also be stored or dried.

Using Supermarket Loyalty Points and Bonus Cards

Although points collected from such cards do not count for much when few, if accumulated for a long time they become quite useful. There are days I go shopping for almost a month’s grocery plus other essentials without spending a dime thanks to loyalty bonuses.

Mastering a Few DIY Skills

Some problems in your house do not always call for paying an expert a lot of money to solve them. Mastering DIY skills have been quite handy for as long as I can remember. I easily create new shelves, check a leaking tap, and make other storage items by watching a few online videos. On many occasions, I have saved as much as a hundred dollars I would have otherwise paid someone to do the same job.

Go For Energy-Efficient Equipment

Utility bills can deprive one of their sleep, especially when you never saw it coming. Things like electricity expenses can easily be contained by using energy-efficient items. Instead of buying the normal 75 Watts or so bulbs for lighting, I opt for energy-saving ones. They might be more expensive, but their use saves me a lot of money in the long run.

I also find solar bulbs to be quite efficient since they cut down on electricity usage and I only bank on electricity when I have no other option.

Cook Your Own Meals

One way that I wrongfully spent my money, especially during my first days living alone, was eating out more than I should have. Looking back, I can now see how much I spent on coffee, burgers, and fries in the name of a quick bite and convenience. That money would have bought more groceries, maybe even enough to last a fortnight instead of one day’s meal. I now pack my lunch as well instead of ordering online when I’m at work. I even find it healthier than trusting foods from restaurants.

Buying Fruits and Veggies In Season

Once I started thinking about being more efficient even with healthy eating, I discovered that fruits and vegetables are often cheaper when in season. I, however, found it hard to keep them long enough to last offseason. Learning how to preserve and freeze veggies came in handy. If I cannot freeze a fruit, I look for in-season alternatives. This way, I get the same nutrients from different fruits, no matter the time of year.

Reusing and Recycling

With more people getting on board with ways to preserve the environment, programs such as Recyclebank are on the rise. These programs reward people for recycling. I have been a beneficiary of such, including getting restaurant coupons and free magazines for recycling. Plastic containers do not always have to go to the recycling bin. Some come in handy when you are looking for storage items.

Don’t always spend just because you want to. Think of tomorrow and find a win-win for today’s needs.

Fitness, Health

An Overview of Weight Loss

One New Year resolution for most of us is to shed a few pounds. Sometimes we succeed, and for the next few months, we are over the moon with joy enjoying our summer bodies until we gain all the fat right back. Finding the ideal method to lose weight for good is a mission that we all aspire to conquer. Unfortunately, there isn’t a single method that can help us shed the weight at once and remain petite forever. Losing weight is hard but maintaining that perfect figure is even more challenging. Physical fitness is one of the primary yet very efficient ways to ensure that weight loss stays gone.

One of the significant benefits of physical fitness is that it helps us lose weight by burning extra calories, reduces the risk of chronic illnesses, builds stronger bones, and keeps us in a good mood. There are various exercises that we can indulge in. However, for the process to work, we must go for a workout that we enjoy doing. The positive attitude towards the sport or activity will keep us going even after we shed a few pounds. Continuous exercise keeps the weight gone, and we keep getting lighter. Here are some of the fun exercises we could choose from.

Walking

Walking sounds basic, but it has been proven to be a very effective way to lose weight. By walking, I don’t mean taking a few steps within the house; think more of outdoor walking. Taking a stroll at a regulated speed, say 4km/hr for an average of 50 to 90 minutes, three to four days a week, will do wonders for your weight. A big advantage of walking is that we do not need any special gear to start doing it. Also, it is straightforward to incorporate walking into your regular schedule. For beginners, an average of 30 to 50 minutes is enough, and we can keep adding on the time as we get used to it.

Jogging/Running

Although jogging and running are in the same bracket, they are different. Jogging is done at a slower pace than running, but both are very effective. Recent studies show that running and jogging is an excellent way to get rid of belly fat, which is one of the spots that most of us struggle with. Jogging on soft surfaces such as grass or treadmills is easier on joints, making it even more fun. Adding a jog or run to our routine is relatively easy because it does not consume much time. Even better, we can choose to either jog in the mornings or evenings.

Cycling

Nowadays, I can rest assured because even if I don’t have the equipment or space to cycle outside, I can still do so indoors. Many gyms have stationary bikes which we can use for our routines. Various gyms have classes for the practice, and all we have to do is sign up. Of all the exercises we indulge in, cycling has proven to be the most beneficial. Not only does it help in weight loss and staying fit, but it also significantly upsurges insulin sensitivity and boosts immunity.

Lifting Weights

The first thought that comes to mind when we think about gyms is weight training. It is a popular choice for most people, mainly because lifting weights helps turn excess fat into muscle. Also, weight training boosts our strength and keeps burning calories, even when our bodies are at rest. Knowing this, it becomes a good choice for most of us who want to get rid of the weight real fast. Unlike walking or jogging, weight training should be done carefully to avoid overexerting ourselves.

 

Health

An Insight into Choosing the Best Health Insurance Plan

Are you planning to get a health insurance cover? Finding an affordable and reliable health care plan is tricky thanks to numerous companies offering the services. Nonetheless, this should not be a cause of concern. In this post, we will learn how to find the best and reliable cover. Among the essential elements covered include cost of the cover, medical facilities supported, and the maximum amount the cover can pay for our medical bills.

The Hospitals and Facilities Supported

Does the prospective health coverage plan cover hospitals or pharmacies we prefer? This is an important question we should think of when choosing a health coverage plan. Most health insurance cover companies limit their clients on the places they can seek medical care. The limitations come in when an insurance company limits clients to a few hospitals. Therefore, before we sign up with a cover, we should consider the facilities they support. Some of the issues to think of are whether the hospitals they support are well-equipped and have a good reputation. Moreover, we should pick a cover that supports facilities located in or close to our residential areas.

Plans and Prices

Health insurance companies have varying plans that are paid differently. Mostly, we choose the plan that best befits our financial state. For instance, low earners select a cheaper plan, but the support offered is different from what higher earners who pay more for improved features get. We should inquire from the brokers or the company about their plans before choosing the right health care plans. We have to consider the premiums and see if our wages can comfortably cater to them.

Deductibles

We have to know the amount a cover will require us to pay from our pocket before they cheap in footing hospital bills. For example, if the deductibles are below $1,000, the cover may hardly pay for most bills. Normally out-of-pocket deductibles include the following:

  • Procedure fees
  • Prescriptions
  • Specialist’s visit

It is also important to note that some insurance companies prevent their clients from accessing advanced medical services. For instance, I can be forced to pay for cancer screening or vaccine bills despite having an insurance cover.

Co-insurance

Do you know other expenses you require to cater for to access medical care? We may have to pay for other expenses out of our pockets. For instance, co-insurance plans need clients to pay a percentage of the bill even after catering for the deductibles. Moreover, we may have to cater to co-pay. These are flat fees clients pay for prescriptions.

Medicine Coverage

One of the main concerns we should have before signing a contract with any health insurance company is whether the firm covers our regular prescriptions. In most cases, insurers have a formula and a list of the medicine they cover for. Hence, before we choose a plan, we have to check if the drugs we use regularly are on the list of covered drugs. Furthermore, the list of drugs covered is classified into tiers. Tiers determine the amount of money that we co-pay. To work with the right health care plan, we should make a list of all the drugs we use and compare them with the formula provided.

Selecting a health insurance plan can be overwhelming. However, this should not be a problem for us. This post captures information about the things we have to keep in mind when choosing the plans. To get the specific information about health coverage to pick for our family and us, we should check the summary of coverage and insurers’ benefits.