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As you may have noticed, there are lots of things that you need to consider when trying to stay fit and healthy. More often than not this mass of information becomes overwhelming and most people start off with good intentions but give up in the long run, slipping back to old ways and habits. To help you maintain that healthy lifestyle, below are the top ten things you should be doing to keep yourself healthy and happy.

When trying to keep to a healthy lifestyle, the first thing you need to consider is your diet. A good balanced diet is essential in maintaining a healthy body. Remember, ‘rubbish in = rubbish out’. Eating junk food, fatty food and other convenience foods will result in a feeling of lethargy, tiredness, depression and bad complexion just to name a few. Simple changes to make would be avoiding too much red meat, high fat foods and high calorie foods instead substituting this with high fibre low fat food, mixed with a regular intake of fruit and vegetables. Fibre is great for digestion whilst fruit and vegetables will help keep vitamin and mineral levels up. Make sure you drink plenty of water throughout the day.

One of the risks of not drinking enough water is the onset of kidney stones. If you know anybody who has had kidney stones, you’ll know this is to be avoided! Drinking plenty of water will keep you hydrated which in the long run will help you cleanse your body of impurities. You will start to feel more alert and less tired, you may notice your skin improves with a new radiance. If you are lactating, it is vital that you keep well hydrated to ensure your milk is at its best. Most research suggests that eight glasses of water per day is a minimum. Consider taking vitamin and mineral supplements, especially at the beginning of your new healthy schedule. Some of the more important ones specific to women are Calcium and Iron.

Calcium is essential for women of all ages but especially menopausal women to ensure good bone strength and minimize problems from onset of Osteoporosis. Iron supplements are especially important for menstruating women and women who suffer heavier blood loss during that time of the month. Try and introduce a regular exercise into your daily routine. There are simple ways to get exercise without really trying. You could try walking home from work if it’s not too far, don’t take the elevator all the time – try using the stairs. When your kids are outside playing, take a few minutes to go and play with them. Not only will you be getting fit but you’ll be spending more time with your children. Everyone wins! Yoga is also a great way to stay toned and supple. This can be done in the home with a minimal investment in equipment.

There is lots of free info. on the internet related to yoga. Try and avoid sources of stress. Stressful situations whether at home or at work can leave you with excess amounts of adrenaline and other ‘fight or flight’ by-products. These can affect heart muscle, upset sleep patterns causing insomnia and much more. Exercise can help to burn off some of these stress by-products but any high stress situations should be avoided. A lot of women are a sucker for a good suntan but there are hidden dangers.

Reading this, you are probably looking to see if Transformation by Bill Phillips holds its ground as a fitness, diet and health book that will give you results. Lets put it to the test. Well, Bill Phillips has been able to help over 500,000 with their personal fitness and fat loss goals. So his personal credibility is spotless. . . In turn making him one of the most respected fitness experts in the world. Transformations by Bill Phillips is a book about more than fat loss or diet. It works to peel other layers that really keep everybody from losing weight. The book is divided and set-up for you to go through in 18 weeks. Every week you will be starting a new action step. So by the end of the 18 weeks you have a solid foundation, set over time. The first time you open the book, you will notice a quote, “The mindset you need, the body you want, the life you deserve. “By just reading that quote, you know Bill is trying to do more than give you general health and nutrition advice. In the book there will be section on how to change your emotional and mental health. Along with how to kick habits that have been keeping you from your goals. Because, lets face it. The main thing that keeps people from their goals, are habits. On top of that Transformation by Bill Phillips, also establishes how you should be exercising and working out. He lays it out in a ABC format so anybody can take it, and reach their goals. All in all, this program is great. But will it work for you?I would say, only you would know that. . . Like everything, this program takes work and lots of it. (more…)

The Department of Labor’s Employee Benefits Security Administration (EBSA) administers a number of laws covering health insurance plans and is a great source of information on subjects such as your rights to information on how your plan works, how to qualify for benefits available in your plan and how to make claims on your health insurance plan. Find out more about EBSA on the web at www. dol. gov/ebsaHere are ten tips EBSA offers to help you make your health insurance benefits work for you.

1) Your options are important – Health insurance comes in many forms so it’s important to take the time to learn about your various options. Do research to compare health insurance plans and choose the one that best fits your health insurance needs.

2) Review the benefits available – When comparing health insurance options, look beyond just the cost and review the benefits each plan offers. Ask questions such as: What are the deductibles? Does the plan cover preventative care? Dental? Vision? These questions will help you determine your out-of-pocket heath insurance expenses under each plan.

3) Look for quality – Not all medical care is the same. Some doctors and hospitals provide higher quality care than others. The U. S. Department of Health and Human Services offers a publication, Your Guide to Choosing Quality Health Care, for comparing the quality of health care.

4) Your plan’s summary plan description (SPD) provides a wealth of information – The plan administrator of your health insurance can give you a copy of your SPD. This document tells you your benefits and legal rights under the Employee Income Security Act (ERISA).

5) Assess your benefit coverage as your family status changes – Always review your health insurance after a change in your family, such as a divorce, death, childbirth or marriage. All of these can change your health insurance needs. Your family might qualify for health insurance under the Health Insurance Portability and Accountability Act (HIPAA).

6) Changing jobs and other life events can affect your health benefits – Here is where COBRA (Consolidated Omnibus Budget Reconciliation Act) comes into play. COBRA can extend your health insurance in case you are laid off, change jobs or face other qualifying life events.

7) HIPPA can also help if you’re changing jobs, particularly if you have a medical condition.

Plan for retirement – Retirement planning is important for many reasons, but knowing what benefits your health insurance offers your family after you retire is near the top of the list. Be sure to learn everything you can about your health insurance and government medical programs for your retirement.

9) Know how to file an appeal if your health insurance benefits claim is denied. 10) You can take steps to improve the quality of the health care and the health insurance benefits you receive.