Health Care For Canadian Entrepreneurs The Most Sensible Option Is A Best Kept Secret


The Shocking Truth is that you will only realize 70% of the value of a traditional health plan.

The reality is that for the small businesses (especially the sole owner type), monthly health benefit plans are designed to yield around 30% in profit for the Providers when it comes to routine health care expenses. On average, for a small business, you will only get out 70% of the premiums you put in – the traditional monthly plans are designed that way. And, if you claim more in one year, your premiums or limitations will normally increase to maintain that 70/30 ratio.

A Health Spending Account is a great alternative for entrepreneurs.

In contrast, a Health Spending Account (HSA) is far more cost effective for these routine health care expenses, without the artificial percentage and coverage limitations imposed by the insurance carriers. For example, most monthly health plans cover 80% for routine cleaning, up to a fixed annual limit per person. HSA’s have no percentage limits imposed – 100% is covered.

Monthly health plans typically cover only certain services. Few monthly plans cover things like glasses, massage therapy, orthotics, contacts, laser eye surgery, etc. A Health Spending Account allow entrepreneurs’ and their dependents to gain access to a full spectrum of health care services.

The final good news is that Revenue Canada (CRA) allows incorporated Canadian businesses to write-off 100% of the costs of a Health Spending Account, and all claim reimbursements to employees (and dependents) are completely tax-free.

Is it any wonder that today the majority of small Canadian incorporated businesses are now looking at a Health Spending Account, as either their primary, or secondary form of health coverage.

The bottom-line is that it is more economical to cover the routine costs, and the broader range of health care services through a Health Spending Account. In these situations, the monthly benefits plans are more restrictive, more costly and far less flexible.

How Meditation Has Changed My Life


Every week day for the past 2 years, I’ve done a daily practice with others virtually. Here’s how it works. I call the others on the phone, then one of us rings a bell to start and then again at the end, after 30 minutes. When we’re done, we each wish each other a wonderful day and go about our business.

During the 30 minutes, we each do our own practice. Sometimes I do all mindfulness meditation, sometimes I add in some meridian tapping and at times I’ve done some energy work on myself during the half hour. I always state my intention for who I want to be as the day unfolds.

Having this daily practice has probably been the most significant factor in helping me be my best. I never would have stuck with it so consistently if others hadn’t been involved. Just knowing others were waiting for my call each day made all the difference. We’ve been going for 2 years now and I can really see how it’s changed me.

Here’s what I notice: *Instead of helping me -get away from it all’, my practice helps me to show up for it all. I’m clearer about who I am, so I’m not so rocked by the world and others. I can let WAY more of life in and just BE with situations that before would have been very stressful or difficult.

*It gives me a daily reminder of a bigger picture of myself and who I am as a spiritual being. Instead of reacting like a pinball machine to things in my life, I actually feel as if I have choices.

*I feel healthier than ever. No colds or flu this year….

* Since I review my intentions every day, I am much more likely to act in congruence with them during the day after this reminder.

Having a daily practice has been very rich and rewarding and I heartily encourage people to design one for themselves and then create the support to make it happen.

Benefit yourself with unique and affordable healthcare programs


Unfortunately, these days most of the people are not able to afford the high cost of medical treatment. The cost of hospitals, medicines, doctors and treatments are very high. Even with insurance, the cost and issues dealing with the insurance companies, filing claims and navigating confusing policies can be a headache in itself. There are companies that can provide you with headache free, affordable insurance while still maintaining an excellent level of coverage.

Are you looking for one of the best credentialed providers that offer excellent healthcare programs? If so, then NBBI (National Benefit Builders, Inc) is your answer. NBBI is a wholesale benefits marketing company and specialize in providing unique healthcare saving programs.

This company is founded by Kevin Faherty and his expert team in 1991. Kevin Faherty of NJ is the CEO of NBBI. He was also the past president of Mutually Preferred PPO network in New Jersey and Group Insurance Association of New York. Kevin has been in the health insurance business for more than 39 years and also spent 17 years as the manager of underwriting for group life and health in New York.

Drawing on their decades of knowledge and experience, Kevin Faherty and his team offer a wide variety of value-added programs for various markets including Employers & Employees, Insurance Carriers & Managed Care Organizations, individuals, Associations & Affinity groups, Unions & Labor organizations, Financial Institutions, Credit units and much more.

The NBBI suite of programs and products is uniquely designed to provide maximum savings, affordable and comprehensive value-added benefits for both underinsured and uninsured. They designed their products to be utilized as direct to employee, consumer and affinity platforms that requires little or no administration. Some of their main products include AmeriDoc, Lifestyle Benefits, Discount Medical, Discount Dental, International Healthcare, HealthAfford and much more.

They are for-profit company and have got an A+ rating from BBB ( Better Business Bureau). They also provide Community assistance and outreach programs. Their main goal is making healthcare more affordable to the public.

The company also leases its networks to marketing insurance companies, organizations and TPA (third party administrators) on a wholesale basis. Kevin Faherty of New Jersey and his team believe in doing fair business. They actively monitor their clients’ website to ensure that their clients promoting and marketing their networks honestly.

To learn more about these excellent programs, you can either call or visit their website.

Testicular Cancer Radiation Therapy


Testicular cancer radiation therapy makes use of high intensity x-rays or various other kinds of radiation for destroying the cancer cells present in the testicles of men. Normally, testicular cancer radiation therapy is given to the patients who have already undergone surgery. This is done to prevent the recurrence of testicular cancer in them. Sometimes testicular cancer radiation therapy might also be given to patients who are suffering from recurrence testicular cancer.

The kind of radiation used for treating testicular cancer is known as external beam radiation which is produced form machines containing beams of high energy. This high energy beam is normally aimed toward the lymph nodes present in the pelvic or abdominal region. Testicular cancer radiation therapy dosage and the number of sittings would greatly depend on the stage of the disease and kind of testicular cancer. Most often testicular cancer radiation therapy is given to patients in their advanced stages of cancer.

Patients who have undergone testicular cancer radiation therapy tend to feel a bit tired and weak. Some might experience nausea, diarrhea, and vomiting. These after effects of the radiation therapy treatments are temporary ones but some might even experience for a longer period of time. Long side effects can include even incidence of heart disease, infertility and even another cancer. Doctors or physicians suggest radiation therapy only for men who might not undergo chemotherapy and for elderly men who do not have any other choice.

Out of the two types of testicular cancer seminoma types are found to respond well to radiation therapy than non seminoma cancer types. The red blood cells are the most affected by radiation therapy and hence it can lead to mild anemia. During radiation therapy the patients might not feel any discomfort. The patients are asked to lie on a cushioned table that is flat and the special x-ray beam would be directed on the affected region. The treatment is normally painless and spans to only few minutes. They can be very similar to the exposure to normal x-ray machines.

The treatment can be divided as smaller size doses spanning from ten to fifteen minutes time each. Normally the treatment is given only once and also as an outpatient. Nearly fifteen to twenty visits might be required depending on the extent and spread of the disease. Men who have undergone testicular cancer radiation therapy are asked to wait for a minimum of one year and then conceive. This is advised in order to reduce the risk of the disease getting genetically transmitted to the child.

Natural Remedies for Curing Cancer:

There are certain natural remedies that offer a promising cure for cancer. Along with the natural remedies and a well-researched different diet pattern, a few simple adjustments to your lifestyle can make a huge difference to your efforts for prolonging the life for several years. You can increase your chances of surviving cancer now by trying these proven natural remedies discussed in

Physical Therapy Travel Jobs Explore Your Possibilities after Graduation


Once youve obtained your masters degree in physical therapy and received your state license, youre likely ready to get started in the working world. As a new graduate, youll probably have a lot of options when beginning your first job search. For instance, youll have the choice to work at hospitals, clinics, nursing homes, outpatient care centers, and the list goes on. While choosing the type of facility youd like to work in will be one of the first decisions you make, its important to remember that you have travel therapy options available to you. Working as a traveling PT opens up a world of possibilities that traditional physical therapy jobs might not. You may have some questions about the travel therapy industry like those below:

What are the Benefits of working as a Traveling Physical Therapist?

Shorter assignments as opposed to traditional positions, with options for change after 3 months
You can choose the location of your employment – work anywhere in the U.S. you want to
Youll be able to better expand your skill set working with a number of different medical professionals and patients as you change assignments
Youll receive insurance, medical coverage, and great pay
Freedom to work at any type of facility youd like to, with the options to change after the assignment is over
Perfect your skills & learn new techniques

How do I get started working as a Traveling PT?

Now that youre aware of the options that are available to you and the benefits, its quite easy to get started. First, youll want to research some highly reputable travel therapy companies out there like Travel Therapist Jobs or Advanced Medical. Next, youll want to look at their requirements and the benefits/programs they have available to make sure you choose the company and the assignment that work for you. Many travel therapy companies have customer service so that someone is always available to you before, during, and after any travel assignment you go on. Working with a travel therapy company will give the freedom to choose where you want to work, for how long, and in what type of facility. Youll be able to search job requirements and options from the convenience of your own home! After which, youll get in contact with a career counselor who will find you the perfect travel assignment that suits all of your needs!

Again, youre likely ready to get started working as a physical therapist once youve graduated and you shouldnt overlook all the options available to you. Sharpen your skills, meet new people, and broaden your horizons with physical therapy travel jobs.

The Truth about Weight Loss Diet Supplements


Weight loss diet supplements are a dime a dozen these days. Most of them don’t work, as you have probably found out. What is the alternative, if you’ve had trouble losing weight with strict dieting and exercising? Well there is an alternative — we’ll discuss it in this article.

First let’s look at the words “weight loss diet supplement”. Supplement means to be taken as an aid for something else. This means it is imperative that you have a healthy diet and exercise program to begin with. To think that of pill alone will cure your weight issues is a bit nave. Even if you achieve short-term results, the minute you quit taking the pill, is the minute you usually start gaining weight back.

With that said, the right combination of exercise, dieting, and weight lost when using supplements can work wonders. It is like a boost to get you going, and to get you some quick results, which can help motivate you to make a permanent change in your dieting and life style.

When taking supplements, you must use good judgment and caution. If you’re taking over-the-counter supplements, there is a bit more risk. First, if you’re serious about weight loss supplements, contact your doctor to see if you can get a prescription. By going with prescription supplements, you increase your chances a hundredfold of taking a diet supplement that is not harmful or has bad side effects.

Also, since you have had the aid of your doctor, you also know that you’re taking one that is most likely to work for you and not cause any health issues. Your chances are a lot better than trying to figure this out on your own.

Keep in mind, there are many different national and herbal diet supplements out there. But just because something is natural or herbal, doesn’t mean it is healthy for you. Make sure you understand what each ingredient is for, and what it does, before using any weight loss diet supplement.

Next, you have to have realistic expectations. Just because somebody took a supplement and lost a lot of weight, doesn’t mean that you will. Different bodies react to different supplements in different ways. What you see on most advertisements is a “best case scenario”. But how many times in your life do things go perfectly? Rarely.

By having realistic expectations, you don’t set yourself up for failure. Actually, it’s easier for you to go on and stay motivated, as you try to make a change and lose weight.

Dont Lose Time, Learn Yoga Online Now!


With today’s high energy life style, people are constantly at health risks. These diseases invariably target those individuals who don’t pay proper consideration to their health on a regular basis. This is due to the fact people don’t have enough time to do regular exercises. Yoga has come up as one of the most excellent ways to keep you healthy and in shape and the recent beginning of online yoga classes allow people to learn yoga online.

There are a few things you should always keep in mind if you want to lean yoga online. You can begin by looking for free yoga sites on the Internet. Since there are numerous kinds of yoga available like Bikram yoga, Ashtanga yoga, Vinyasa yoga, Hatha yoga etc., you may search the net in view of that. More often than not you will get to learn yoga online depending upon your level of competence. Some yoga postures are for beginners and some are complex techniques for those who have been in touch with yoga for some time. You can even hunt on the basis of a specific pose and exercise.

After you have made your website choice about learning yoga online, decide on the exact program. There will be online videos and tutorials with related photos of the poses.

There are several benefits of learning yoga online which you can make use of to make your practice planned better in terms of fitness. The greatest part about learning yoga online together with various yoga postures and exercises is that you don’t require a professed reserve place. You can actually practice yoga wherever and whenever like in the park, in your room, over the roof or even in the back garden of your house, evening or morning. A Yoga mattress is the only addition that is necessary for practicing yoga.

Remember to take note of the safety measures to be taken and the gear to be purchased in the case of certain poses and yoga practices.

Divine Wellness is an interactive and leading health portal that provides details of learning yoga online and guidance related to yoga, ayurveda and alternative medicine treatment.

Importance Of Vitamins For Human Health


Vitamins are one of the most important nutrients for human body. To be healthy and for proper functioning of all human organs Vitamins are essential. Vitamins are essential for natural growth and development of every multi cellular organism. Right from the inception of a human fetus to old people, Vitamins are one of the most important supporting elements in their growth. During pregnancy period diets taken by a pregnant woman directly relates to the growth of fetus in womb. Therefore, Gynecologists suggest them to take diets according to the need of child developing inside their body.

Classification of Vitamins

Vitamins are classified into different groups alphabetically, according to their chemical structures and their ingredient elements. There are following types of Vitamins:
1.Vitamin A Retinol
2.Vitamin B There are several sub types of Vitamin B, with different scientific names.
a.Vitamin B1 Thiamine
b.Vitamin B2 Riboflavin
c.Vitamin B3 Niacin/Niacinamide
d.Vitamin B4 Adenine
e.Vitamin B5 Pantothenic Acid
f.Vitamin B6 Pyridoxine
g.Vitamin B7 Biotin
h.Vitamin B8 Inositol
i.Vitamin B9 Folic Acid
j.Vitamin B10 Pteroylmonoglutamic Acid
k.Vitamin B11 Choline
l.Vitamin B12 Methylcobalamin
3.Vitamin C Ascorbic Acid
4.Vitamin D Calciferol
5.Vitamin E Tocopherol
6.Vitamin K Menaquinones

There are other less known types of Vitamins too, each one with different set of importance for human body and other chemical usage.

Vitamins for Sense Organs

Vitamins are very important for all our sense organs. Lack of Vitamins can lead to problems in functioning of our sense organs. Vitamins, their importance and the diseases caused by lack of those vitamins are as follows:
1.Vitamin A (retinol) is helpful for our eyes. Lack of Vitamin A can result to Night Blindness.
2.Vitamin B and its variants are important for several reasons, lack of them can result Beriberi, Ariboflavinosis, Pellagra, Paresthesia, Anemia and other deficiency diseases.
3.Vitamin C is helpful for our skin. Lack of Vitamin C can result Scurvy.
4.Vitamin D is helpful for our bones and their growth. Lack of Vitamin D can result Rickets and Osteomalacia.
5.Vitamin E is helpful for infants, lack of this Vitamin can result Anemia in infants.

Popular Sources of Vitamins

You do not need to look for any special diet elements or medicines to fulfill the requirement of Vitamins in your body. Seasonal fruits and vegetables are rich source of Vitamins. Regular inclusion of them in your diet can protect you from all the deficiency diseases caused by improper intake of Vitamins.

Important Characteristics of Quality Yoga Pants for Men


Yoga might be a great way to relieve stress and tone your body, but without the appropriate clothing in which to train, individuals might not be able to make the most of each and every session. Purchasing the right yoga pants for men doesn’t just mean buying an outfit that will look great once you hit the gym; it also means investing in the clothing that will help you get more out of your workouts.

1.Tight Enough To Show Off Your Shape

Yoga pants for men should never be too tight or too loose; in fact, it is best to look for pants that will show off the shape of your muscles without restricting your movement in any way. Remember, choosing the right outfit will help you to feel comfortable as you go through every facet of the exercise without making it difficult for your body to move as naturally as possible.

2.Cotton Allows The Skin To Breathe

Since you might end up breaking a sweat during your workout, it is important that the material you wear allows your skin to breathe. Cotton is a great material to use for this type of outfit, although a mixture of spandex and cotton might allow the material a bit more stretch without taking away from the light feel of the item. It is generally a good idea to try on a few different outfits before determining which one you are most comfortable in, especially since you are going to be the one training in it.

3.Must Be Durable

Take the pants you are thinking about purchasing and stretch the material out a bit; this should give you an idea about how durable the material is. If you are going to be training in this outfit a few times a week, the last thing you will want is a flimsy pair of pants that needs to be replaced within a month, so be sure to consider this during the process of picking out the right ones for the job.

4.The Style

You might not be going to a fancy dinner party in your yoga pants, but you might end up walking to gym and back, and if you don’t want to feel silly in the process, you’ll want to pay a bit of attention to the style of the pants that you are going to purchase. With all of the options that are currently available on the market, it is not difficult picking out something that is both stylish and perfect for the situation, so keep this in mind as you go about making your decision.

For more information about yoga pants for men, please visit our website.

Bright Career Prospects With Yoga Teacher Training


Yoga Certification programs conducted in European countries have gained a momentum in the last decade. As increasing number of people are now heading to Yoga for numerous health benefits the demands of certified Yoga instructors is growing tremendously.

Yoga is a traditional form of exercise that includes certain postures and movements. Two most important advantages of practicing Yoga are prevention of disorders and ailments and maintenance of health and fitness in daily life. Other methods of exercises like gymnastics, athletics, aerobics, games, and various other forms are not as good as Yoga when it comes to the results. Due to all these reasons more and more people are referring to Yoga for treating ailments and living a healthier life. Especially in the western countries, an increasing number of people are joining Yoga classes for achieving healthier mind and body.

The Yoga Teacher Certification programs conducted at numerous camps are in huge demand across the country. Owing to the increasing demand of certified Yoga teachers and the bright career prospects, Yoga Instructor Certification programs are attended by numerous individuals wanting to learn and teach Yoga. Those who have completed Yoga Teacher Training program can setup a successful career by teaching Yoga to the people. Another advantage of working as a certified Yoga instruction is that while teaching Yoga to the students, one also practices all the postures and stretches himself/herself. Thus you can maintain a healthy lifestyle for yourself while sharing the benefits of Yoga with others and earning money in the process.

After attending a certified Yoga Teacher Training program you can start your career as a Yoga teacher. All you need to do is rent a studio, inform people about your yoga classes by advertising, and start taking classes. If you cant find a place to rent, you can approach the high profile clients, who prefer to take classes at their own place. This way you can also save the investment that is required to rent a studio and continue teaching Yoga without actually investing a penny from your pockets. There are several such high-end clients who would love to learn Yoga from someone with Yoga Instructor Certification. You can approach your friends and family to refer you name to their colleagues and friends and kick-start you career.

If this article has inspired you and you have decided to join a Yoga Certification program from a reliable and genuine source then you can refer to The website is a complete Yoga information Bank that also conducts Yoga Teacher Certification programs. Besides this, it also offers holiday packages in Yoga retreats, and provides Yoga products like neti pot, mala beads and enema equipment, etc.