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Easy Ways to Replace Those

‘Bad for You’ FoodsLearning what to eat is just as important as learning what to avoid.

Eat the wrong foods and chances are you will undermine all attempts to control your appetite.

Eat the right foods and you might be surprised at how easy it is to give up even the worst habits.

Following are the leading culinary culprits that leave you wanting more, as well as some easy replacements sure to satisfy:

Salt: High sodium intake not only increases blood pressure, but it leaves you wanting more. Substitute salt with fresh herbs to enjoy the flavor without the craving.

Sugar: Satisfy a sweet tooth by using natural alternatives like stevia instead of sugar. Not only will eliminating sugar also control cravings associated with fluctuating glucose levels, but eliminating sugar is a great way to lose weight and reduce the risk of late-onset type 2 diabetes.

Fat: Fat comes in all shapes and sizes, but butter and oils are often the most frequently encountered in the modern diet. Replace fats with slow-burning carbohydrates or proteins to obtain the same fullness and fuel your body.

Most foods combine two or more of the above ingredients to create an even more powerful sensation designed to increase cravings.

Limit the ingredient list to only one of each item to minimize the impact. Better yet, replace them with an easy-to-use alternative.

Within weeks you will feel satisfied without the constant cravings.

How to Make the Airporta More Pleasant Experience

From extensive security checks to lost luggage, it’s no wonder millions of Americans list a trip to the airport right up there with a visit to the dentist.

Fortunately, with a bit of planning and preparation it’s possible to make your next trip nearly painless - if not downright pleasant.

1. Allow Yourself to Lounge: A one-day lounge pass is one of the best-kept secrets among those in the know. Frequent flyers are not the only ones who are able to enjoy the benefits of the VIP lounge. With a one-day lounge pass even occasional travelers can enjoy the benefits of service, comfortable seats and knowledgeable staff.

2. Ship Your Stuff: This is such a simple but effective idea that you might wonder why it’s not more popular. Instead of paying premium prices to check your baggage only to encounter minimal reimbursement in the event of damage or loss, simply ship your bags ahead of time. Not only is it convenient and cost-effective, but the insurance is substantially better in the event of a claim.

3. Learn What to Ignore: Air travel involves a lot of distractions, so learning what to ignore not only makes time on the flight go by faster, but it reduces tension and fatigue associated with travel. A good set of earplugs goes a long way toward minimizing the sound of everything from crying babies to the engine. Likewise, skip the free food and focus on relaxing instead. It’s a great way to arrive at your destination rested and ready to enjoy the remainder of the trip.

Are You Making Any of These Top 10 Insurance Blunders?

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September 2010

When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.

Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, “The Top 10 Insurance Blunders - and How to Avoid Them.”

Just call me at 555-555-5555 and I'll send it right out to you.

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include eyelid surgery performed to correct drooping eyelids that cause vision problems or facial surgery performed to balance appearance if caused by paralysis or to treat deformities.

Some health insurance companies may cover cosmetic surgeries if it can be proven the procedures will improve the insureds’ health. For example, if a doctor can prove that a breast reduction will help a patient to eliminate back pain, the procedure may be covered.

For operations that are purely cosmetic, there are alternative insurance options that can help to pay costs. Some procedures covered by such plans include liposuction and face-lifts. These plans may be costly, but they can help reduce the out-of-pocket cost of various procedures.

Elective surgery is considered to be a choice by either the patient or his or her doctor. Although the procedure may be beneficial to the patient, it may not need to be done at any particular time.

There is a fine line in determining whether a particular surgery will be covered by a health insurance plan.

However, in most cases, unless a procedure is considered reconstructive, such as following an accident or injury, or when the patient’s life is at risk without the cosmetic operation, few health insurance plans will cover these expenses.

Many health insurance policies will even exclude the cost of treatment for medical complications that arise as a result of an elective surgery procedure. Examples of reconstructive surgery

Are You at Risk from‘Insurance Gaps?’Do you have enough insurance to meet your – and your family’s – needs now, and in the future?

If you don’t, you are putting yourself at risk of serious financial trouble if something goes wrong with your health, your home, your job or your finances.

That’s why I am offering you a free, no-obligation “Insurance Check-up” to make sure your insurance needs are adequately covered.

I won't try to push you into buying insurance you don’t need and I won’t waste your time. I'll just give you the honest facts about your current insurance status.

Just give my office a call at 555-555-5555 to arrange an appointment for a no-fuss, professional consultation.

Alternatively, stop by at the office. The address is on the back page of this newsletter.

Quick QuizEach month I’ll give you a new question.

Just email me at xxxxx@xxxx.com or call xxx-xxx-xxxx for the answer.

What country does Waterford crystal come from?

Thanks for All Your Referrals!I succeed when people like you refer me to their friends, neighbors and loved ones. It's the best kind of feedback I can receive.

So thanks for continuing to pass this newsletter around to people you care about.

4 Simple Stepsto Becoming

a Good ListenerIn the hustle and bustle of modern-day life, listening is quickly becoming a lost art.

In fact, while trying to tune out the constant bombardment of annoying sounds and irritating distractions, finding the time to truly listen is increasingly difficult.

However, becoming a better listener has its rewards - from increased attention span to improved communication.

Learning the art of listening is easy; just follow the four simple steps listed below:

Slow Down: One of the most commonly encountered communication problems is simply trying to do too much at once. Multitasking might make sense for some things, but listening isn’t one of them. Schedule a time to sit down and talk without interruption, especially when important issues are on the agenda.

Stay on Task: Speaking of an agenda, having a clear understanding of the goals and objectives helps everyone communicate clearly. Take time to pause and reflect on what has been said, then ask questions to clarify your comprehension.

See to Believe: Body language is a big part of listening. In fact, sometimes it’s not so much what is said but rather how it is said. Pay attention to the subtle signs and signals to gain insight into the mood and meaning behind the words.

Silence Is Golden: Perhaps one of the most important ways to become a better listener is to talk less. Sounds simple enough, but the reality is often far more difficult. Don’t worry, practice makes perfect, even when it comes to staying silent.

Will Your Health Insurance Cover Cosmetic Surgery?

For Americans who rely on prescription drugs, there may be a way to help lower the cost of these medications through the use of a prescription drug plan.

These plans can help provide consumers a solution to purchasing expensive prescriptions.

Prescription drug plans can be purchased by individuals or as part of group benefit plans via a health maintenance organization, preferred provider organization, point of service, or other group insurance system.

Normally, an employer offering the group benefits plan will contract with a vendor of prescription drugs.

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This prescription drug vendor has the ability to work with numerous pharmacies across the United States.

Because the group of pharmacies generates a high volume of prescription drug sales, they have the ability to discount the drug purchases made by consumers in the plan.

Most prescription drug plans provide consumers with a discount card that can be used when purchasing prescriptions.

These cards can be obtained from drug companies, large drugstores, various insurance companies and some nonprofit organizations.

In many cases an annual fee is charged for being a part of the prescription drug plan.

And there is usually a different fee, depending on whether the consumer plans to purchase generic or brand-name drugs.

This fee normally pays for itself in a very short period of time.

For example, the prescription drug plan may allow consumers to purchase a drug for $15 that otherwise would cost them $35 if they were not part of the plan. Some plans may also charge a small co-payment for prescriptions. In addition, some insurance companies may have limitations on some drugs that they do not cover in their plans.

Prescription drug plans can vary widely, so it is important to research what is available and to compare different plans.

Prescription Drug Plans: What You Should Know

Worth QuotingHere are some famous quotes on

the topic of diets.

“I’ve been on a diet for two weeks and all I’ve lost is two weeks.”

Totie Fields

“Never tell anyone that you’re writing a book, going on a diet, exercising, taking a course or quitting smoking. They’ll encourage you to death.”

Lynn Johnston

“What some call health, if purchased by perpetual anxiety about diet, isn’t much better than tedious disease.”

George Dennison Prentice

“I feel about airplanes the way I feel about diets. It seems to me they are wonderful things for other people to go on.”

Jean Kerr

“To safeguard one’s health at the cost of too strict a diet is a tiresome illness indeed.”

François de La Rochefoucauld

Why Laughter Is Such Good MedicineLaughter may really be the best medicine after all. At least that’s what researchers at the University of Maryland believe after studying the science behind a good old-fashioned belly laugh. Following are some of the things that laughter does:

Reduces stress and anxiety.

Increases circulation, which also helps improve the supply of oxygen and nutrients throughout the body, and increases lymph circulation, which helps the immune system.

Produces a long list of good brain and body chemicals, including endorphins, serotonin and interleukins, and improves mood.

Boosts energy and diminishes pain.

Another study estimates that the chemicals manufactured by the body during one hearty laughing session are worth roughly $10,000 if you purchase the same compounds from a laboratory or pharmacy. Since your body produces the chemicals for free, it’s clear that laughing more is a good investment.

Think you can resist the newly released iPad? The following apps just might change your mind:

1. Entertainment on the Go: iPad has an impressive lineup of vendors for streaming video, audio and the latest books.

2. Dragon Dictation: You will love this voice-enabled speech recognition app. Simply speak, and then it writes the text for you.

Five Cool Apps to Make Your iPad Jump 3. Voice Memos: Transform your iPad into an instant recorder and eliminate one more electronic gadget from your arsenal.

4. iWork: Need a word processor, presentation and spreadsheet application that is streamlined yet productive? Try the iWork suite.

5. Fairy Tale: The new Fairy Tale iPad app encourages the love of reading with spectacular effects.

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NEWS YOU CAN USE

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Recipe: Rum Orange Chicken Kebabs

Serves 4-6

2/3 cup dark rum 1/3 cup fresh orange juice 1 tablespoon orange zest 1 tablespoon grated ginger 1/3 cup Worcestershire

sauce 2 tablespoons brown sugar 2-3 garlic cloves, minced Salt and pepper to taste 4-5 skinless, boneless

chicken breasts cut into 1-inch pieces

Chopped cilantro, optional Orange wedges, optional

Directions

In a medium bowl, whisk together the first seven ingredients and season with salt and pepper.

Place the chicken in a shallow dish or ziplock bag and add enough marinade to coat the chicken. Marinate for at least an hour.

Place chicken cubes on a metal or bamboo skewer and broil for 10-15 minutes, turning once or twice during cooking and occasionally basting with remaining mixture.

Serve chicken with orange wedges and sprinkled with chopped cilantro.

This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter.

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