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Is Online Fx Mentoring Really Worth It?

So, you’ve decided to dip your toes into the world of trading, and you discovered that there are so many different ways to learn it. You may have even found out that it would be much smoother when coupled up withonline mentoring.Why consider getting a mentor and what sort of advantages come with them helping you learn to trade? Here are some of the big reasons that you may want to seriously consider this option and see if this learning method is a good fit for you: You Get Real-Time ExperienceYou’ll benefit from an ongoing market analysis and experience by being in direct contact with a senior trader who is analysing the market weekly. By seeing what the experts are doing, you will get exposure to a higher level of analysis while comparing them to yours, which will help you understand your mistakes and improve on them. As a result, you will come out of these sessions, feeling more confident and feeling like you have a better grasp of trading. It Will Help Traders Improve Their Trading Performance.City Traders Imperium offers weekly webinars discussing various topics on trading psychology to help traders improve their overall trading performance that is usually due to their lack of discipline and understanding of themselves as traders. City Traders Imperium does this over a12-month membership programmebecause they believe that trading is a journey, and bad habits take time to change. So, by having weekly lessons on topics, such as risk management, trading psychology, combined with offering weekly market review and analysis, it will help traders to become profitable through integrating the psychological part of their trading into their technical analysis. Potential Future OpportunitiesOften mentors think beyond the scope of a trading course; they seek to train beginners up to expert level with the view of recruiting them within their own trading business. As such, you may find yourself with the opportunity tostart your FX trading careerin a way which is mutually beneficial for you and your mentor. Online Forex mentoring, particularly when it’s individually customised like what City Traders Imperium offers, can do a lot of good and help you to work out what it is that matters most for you and how you want to accomplish your goals. It could take time, but it can help you get a meaningful foot in the door in the FX trading industry upon completion of the programme.

[youtube]http://www.youtube.com/watch?v=R4XOe38VRt8[/youtube]
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Time Is Running Out For Higher Male Annuity Rates

Time is running out for higher male annuity rates

by

John T. Hughes

Under the European Directive on gender equality which comes into force later this year it will no longer be possible for annuity providers to offer separate rates for males and females.

An annuity is a regular income purchased on retirement with a lump sum, usually the result of a lifetime of contributions to a pension fund. Unless you are purchasing a fixed term annuity product, the annuity that you purchase when you retire will normally continue to pay out until the end of your life. Annuities are the most common route taken to turning a pension pot into a regular retirement income.

Currently annuity providers will often offer men a better annuity rate than women simply because men have a shorter average life expectancy than their female counterparts. From an annuity provider’s point of view this means that they are likely to have to pay out for a shorter period of time and they can therefore, generally speaking, afford to offer a men a higher rate life annuity.

[youtube]http://www.youtube.com/watch?v=jw1Ddrr5UDQ[/youtube]

From the 21st of December this year annuity providers will only be able to offer uni-sex rates. As a result annuity rates are likely to fall for men and climb slightly for women.

What should I do if I am considering buying an annuity in the next year?

If you are a man you may benefit from higher rates if you purchase an annuity before December 2012, but like so many things in the annuity market at the moment, this is far from certain because annuity rates are effected by a whole host of influences.

Typically the retirement income, also known as the “annuity rate”, that you are able to purchase with your pension fund is based on you age, the state of your health and the standard annuity rates across the market at the time that you make your purchase, as well as your gender under current rules. So although gender is likely to become an obsolete consideration come January 2013, annuity rates may still rise or fluctuate for other reasons.

While the European Directive on gender will mean that overall annuity rates are likely to drop for men they are also likely to rise slightly for women, so it’s not all bad news for those approaching retirement.

Nevertheless, an impact on annuity rates, however small can be keenly felt in today’s tough market, and purchasing an annuity may be one of the most important decisions that you make in later so it’s vitally important to consider all your options carefully before you proceed. Shopping around and comparing the market can help you get the most competitive deal for your circumstances.

John T Hughes writes for

Annuity Rates UK

, a site that connects consumers to

annuity advice

they can trust.

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Time is running out for higher male annuity rates

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Tips To Implement For Weight Loss

Tips To Implement For Weight Loss

by

Luke Cole

If you are considering jumping on the weight-loss train, chances are, this may not be your first ride. The simple fact is, diets can be difficult to follow, and most attempts at weight loss fail. That, however, does not mean that it can not be done! This article contains some great tips and advice to get you started on the track to weight-loss success.

Drink coffee to suppress your appetite. Some people think that drinking coffee speeds your metabolism. Studies have found that this might not be entirely true. It does, however, work to suppress hunger and food cravings. If you are worried about your caffeine intake, try drinking decaf instead. It has the same benefits.

Microwave a quick cup of vegetable based soup for lunch, or have it with a half of a sandwich. This too will incorporate more vegetables into your diet. Vegetable soups are low in calories and high in fiber. They can fill you up quickly, cheaply and on a cold day that can make you feel warmer.

[youtube]http://www.youtube.com/watch?v=uTCk_3njsZ8[/youtube]

When dieting or trying to lose weight, setting goals is a great way to keep yourself motivated. Before starting any weight loss journey, write down your starting weight and at the end of each week, weigh yourself. Every time you lose weight, you\’ll gain confidence. If a week ever goes badly and you gain weight, you\’ll know and you can think of ways to fix what went wrong.

If you are extremely overweight, you may want to consider either lap band or gastric bypass surgery if all else falls. Being extremely overweight can have dangerous side effects on your health, so it is important that you do whatever it takes in order to be at a healthy weight.

You can get the sensation of a full stomach by eating liquid foods. Try smoothies and soups. The healthiest smoothies and soups are the ones you can make yourself with simple ingredients. If you are still going to buy them, you should look for natural ingredients and low sodium soups.

Make sure and continue any new program for at least 30 days before calling it quits. That\’s how long it takes your body to adjust and adapt to these new routines and changes in your lifestyle. Your body is a creature of habit, and it takes time to develop habits.

Never, ever diet. The biggest predictor of future weight gain is being on a diet right now. Choose a healthier lifestyle to lose weight and maintain weight loss. Changing your lifestyle to eat healthier food and exercising regularly allows you to lose weight and keep the weight off long term.

Skip the free snacks and appetizers on your table at restaurants! This will help you lose weight! If the place you\’re eating brings out a basket of bread or a bowl of chips, ask the waitress to remove them. Even though you have every intention to abstain, you are more likely to eat what\’s sitting right in front of you, especially if you\’re hungry!

The weight-loss train is about to leave the station, and what you have learned here is your ticket to success. Once you make the commitment and decide that you are in this for the long haul, you are well on your way to achieving and maintaining a healthy weight.

Copyright (c) 2013 Luke Cole

For more secrets about losing weight, please

click here

today.

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What Is Smoking Food All About?}

Submitted by: Paul Yates

It was about three of four years ago that my desire to learn more about smoking food really took off. Many years ago at the food fair I bought what’s best described as a shoebox smoker, very primitive but it worked and ever since then I’ve been keen to discover more about the smoking process and how it all works. If you fancy trying your hand at smoking your own food let me explain the processes involved and how it all fits together.

The origins of smoking were as a way of preserving food in the days before canning and refrigeration and there are three steps in the process. The first of the three steps really is now more about flavor than preserving and that’s salting or curing. Flavors are now added to curing salts such as herbs and spices for additional seasoning and the salting process can take place as a dry cure or a wet cure (brine). One caveat to what I’ve written and that is that there are still areas of the world that rely on these preservation techniques eg Africa and poorer parts of Asia. Here preservation is of the utmost importance.

The second part of the process is weight loss and this is done in an environment of controlled humidity. The weight loss is brought about through the evaporation of moisture from within the tissues and the logic follows that the greater the weight loss, the better the keeping qualities. Why dry something out in a humid environment, surely that’s defeating the object? Well in part yes, but by drying out at a known humidity therefore takes the guesswork out of the process and dependent on the food that you are smoking (and its weight) you will be able to predict exactly how long the process is going to take.

[youtube]http://www.youtube.com/watch?v=w0PWyH7LEM8[/youtube]

The third stage is the actual smoking and during the smoking process tarry deposits from the smoke settle on the food and these deposits are antiseptic in nature so they inhibit the growth of bacteria. The process can be further broken down into hot smoking and cold smoking.

Cold smoking takes place at between 10 and 29C and ensures that the food remains in a raw state at the end of the smoking process. It’s essential that the tight tolerances of temperature are observed because if the temperature gets too high then the food will start to cook and this will change the texture of the food and it could start to disintegrate. This is more relevant in countries where the ambient temperature is quite high where it might not even be possible to get the temperature below 29C. Food smoked and eaten raw is mainly confined to fish but can include beef.

When hot smoking you are certainly trying to cook the food whilst imparting the smoked flavor and because of this the actual temperature is less important or to put it another way the range is larger. In the case of fish however there is a ceiling temperature of 93C. Hot smoked fish is usually cold smoked first and then the temperature brought up to what is really a relatively low temperature for hot smoking. Mackerel done this way is absolutely magnificent.

Meat and poultry are smoked at higher temperatures (110 120C) albeit care must be taken again not to exceed these temperatures because meat will easily become dry and frankly unpleasant to eat. Assuming the temperature is kept within range then meat becomes difficult to overcook and smoking can continue for many hours.

Once you have mastered the basics then it really is easy to smoke your own food. Probably the area that will require the most experimentation is the curing because it is quite easy to over-salt food and to be fair it is also a matter of taste.

About the Author: Paul Yates has written a buyers guide for

meat smokers

and gives away

BBQ Aprons

. In addition he has published an e-book containing

homemade smoker plans

.

Source:

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Play The Best Basketball Games

Submitted by: Michel Cole

Sports enthusiasts are likely to enjoy the assortment of basketball games available at Kiba games. These games are not merely meant for entertainment purposes or leisure, the games are structured to similarly enhance a players virtual hoop skills. Expect fun, entertainment and pointers when playing these basketball games.

[youtube]http://www.youtube.com/watch?v=BzWf-6UzQUA[/youtube]

Basketball championship is a game for players with a competitive streak. The game allows players to make basketball history in the virtual world. Compete for victory by playing these competitive game. Get some crazy cartoon characters on a basketball court and you get Top Basketball. Try and make hoops from above the rim when playing this game as your favorite foster pet. Dunking is a fun and important part of playing basketball and it would just be an agony if there wasn’t a game to accompany the fun. Catch and Dunk allows players to test their dunking skills by both dunking and catching the ball after it making hoops. Basketball was born in the streets at least it is popularly played in the streets. Play some mean Street Basketball and score against the toughest hood players. There’s nothing better than a One on One basketball game to show off your skills and prowess. Make killer hoops by playing this game against a desired virtual opponent. If your groovy, then you better be playing some Groovy Hoops. Basketball has never had a competing level of groove that you will get when playing this game. Hero Hoops is the game for a basketball enthusiast who wants to save the world by playing basketball. Any player who can make a 3 Point Shoot Out is a great player. Practice your 3 pointers while playing this game.

A number of other basketball gamesare available each suited for a different basketball enthusiast. Whether you like dressing up, showing off skills on the basketball court or embodying a pet to play the game; there is a basketball game available for everyone. The great thing about these games is that they are available online for free. To get the most out of the basketball games you can try out different games. Step out of the box a little bit and play the games that you normally would not fancy. The games are after all free and allow you to play till you drop. Play fair, just because it is a virtual world does not mean that you can bend the rules to win the game. A number of cheat sites are available but you should restrain from using them to ensure that you have the most fun out of the games. Games are structured to ensure that players can not easily finish them. The thrill is to keep on trying to get to the next level and eventually finish the game. There is nothing more fulfilling than to finish a game that you have been playing for a while. Try and beat online scores. The only way to be a true basketball game champion is by getting high scores. You can also try to beat your previous scores after finishing a game. Last but not least have fun, its not everyday that you get to play free basketball games online.

About the Author: For more details please visit our site to

kibagames.com

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9 Tips On How To Go To Disney World On A Shoestring Budget

By Tim Burton

What you are about to read will save you loads of money !

Many families get quite a shock when they calculate what it will cost them to have a Walt Disney World holiday.

You’ll need flights, accommodation, car hire/driving costs, food, passes to Walt Disney World (they are expensive – children are classed as ages 3-9 years old and costs not much less than adult prices), entertainment, and more…

I am going to show you how to have a budget-wise Disney holiday.

Tip # 1. Do it Yourself

Book your Disney World vacation online.

You will find the cheapest rates by booking each component separately yourself – air, accommodation, car hire and even theme park tickets.

You can book way in advance and still get the same savings as if you had booked last minute. The difference is that booking last minute can cause you stress. So Relax !

Take your own food and drink. If you’re taking a charter flight, you can pay far more than you want to pay for in-flight food and drinks. You might not even enjoy it.

Tip # 2. Rent an Orlando Villa directly from the owner.

Stay in a privately owned villa or vacation rental home within 20 minutes drive of Walt Disney World.

People in Europe have been holidaying in private villas for years. Many Europeans and North Americans now own villas in Orlando all within 20 minutes drive of Disney.

These privately owned homes belong to families just like yourselves. Because these families vacation in their homes as well, they are fully equipped with everything that you could hope for.

The price you pay is where the bargain comes in if you book directly from the owner of the property. Vacation homes near Disney can start from as little as $79 to less than $160 per night for a whole family sized house. Price often depends on the season and quality, level of privacy and amenities of the villa that you want.

Your whole family could have room to themselves instead of cramming together in the same hotel bedroom.

Plus, you can have lounge, private pool, spa, game room, full kitchens and much more than I can mention here.

To make your holiday even cheaper, split the cost of your villa with another family.

Orlando has many huge villas that can sleep 2-3 families. Many have multiple master bedrooms. So each family can have a master bedroom and extra bedrooms for the rest of the family. They also have multiple bathrooms and multiple living/dining areas.

So if you don’t mind sharing with friends or family you could save even more money on accommodation.

Sign up for newsletters on Orlando vacation rentals websites. That way you can keep abreast of special deals available.

[youtube]http://www.youtube.com/watch?v=fD8KcxhKvjM[/youtube]

Look out for last minute deals from private villa owners.

Once you rent a private villa you won’t want to ever use a hotel again.

Tip # 3. Go Off Season

Prices plummet when the kids are back at school ! You save more than 50% on flights, and at low season, Orlando vacation rentals are much cheaper.

Flights:

You would be amazed how much you can save in airline tickets if you go low season, especially if your family is large.

Sign up to newsletters with your favourite airlines to hear about the best flight deals first.

Seize the specials by looking out for bargain flight offers in good time.

Many websites specialise in finding air fare deals. Use farefinders. These are websites that search for cheap airfares.

Look out for newspapers that offer flight discounts that involve collecting tokens. Some have ‘buy one get on free deals’ on flights at specific times of the year.

Don’t fly at weekends if there are surcharges.

But, who wants to go to Walt Disney World when kids are Back at school ?

If you are a bargain hunting holiday-maker, you might consider it if you realise the savings you could have.

Tip # 4. Spend Less on Your Family’s Food

Food is expensive in the theme parks without a doubt.

You can eat meals in your Florida Villa and save money. You get a fully equipped full-size kitchen. You don’t have to cook. You can fill the refrigerator with food from the Supermarket.

Bring snacks and drinks with you from your villa, to the Disney Parks, especially on hot and humid days when your kids need to drink lots of liquids all day long. Freeze drinks in a drinks cooler and take them with you frozen.

You and your family can return to your villa for lunch and a rest and go back to the Theme Parks refreshed and fed.

If you drive from home to your holiday villa, shop before you go. Bring your favourite items from home.

Have breakfast at restaurants that allow kids to eat free. They advertise this in their windows.

Look out for restaurants offering free kid’s meals.

Pick up money saving booklets from the local Supermarket. They are loaded with money saving coupons.

Look out for coupons that save you money at full service restaurants as well as your fast food chains like McDonalds.

You can find some good deals at Walt Disney World if you choose carefully. A family of four can easily spend $50 for little more than a snack.

A better option is for you to splash out once or twice in the Disney World ‘Parks on the ‘all you can eat character meals’ or on ‘fun themed restaurants’. This can make your

holiday even more memorable and make for good photo opportunities.

Popular buffet restaurants with fairly good prices include character breakfast at Cinderella’s Royal Table, and the Polynesian Resort’s dinners where food is cooked at a firepit, games are played with the kids, and food is brought to your table time and time again. The Boma restaurant at Animal Kingdom Lodge has a huge selection.

Also, for a bit more than $50, you and your family could eat a full buffet at a fun restaurant such as the Crystal Palace in the Magic Kingdom, which has Winnie the Pooh and his pals in attendance

Breakfast, lunch and dinner buffets are $15-$29 per person. Kids have their own meal choices, plus a make your own sundae bar. There is a good selection for parents and your glass of drinks will be refilled to your content.

Tip # 5. Save money on Theme Park Tickets and General Entertainment

It’s always wise to spend some time developing an itinerary before you buy your Theme Park tickets, because the right passes for you depend on how you plan to spend your days.

Be sure to check all your options. You may be overlooking a special deal for which you qualify, such as Florida resident, military/civil service, and corporate discounts

There are lots of legitimate ways to get discounted Walt Disney World passes.

Unfortunately, there are also lots of places where you can get ripped off.

So be very careful.

The WalMart at 4444 W. Vine in Kissimmee, has a travel agency called Wal-Mart Vacations that sells discounted Disney World tickets. The prices are discounted about 5%. But, they may not carry every type of ticket.

Pick up a money saving coupons booklet from the local supermarket. It is not just for food.

There are also money saving coupons in those booklets for admission discounts to places like Universal Orlando, Sea World, Busch Gardens and more.

Some popular events are also promoted at times such as Disney on Ice, “buy one get one” coupon.

You can even save money on adventures like go-cart racing, with free ‘buy one get one free coupons’.

Tip # 6. Free Admissions at Disney !

Visit Disney’s resort hotels (for example when you dine at Boma), but you do not have to dine.

Tour the grounds, marvel at the gardens and architecture, listen to the music, and mingle with the cast members.

If you do dine make sure you give yourself a lot of time before dinner, so that you have plenty of time to savour the sights in daylight.

Tip # 7. Car Hire Savings

Look out for car rental savings from almost all of the national car hire companies.

Tip # 8. Airport Parking

Book your airport parking in advance. It is much more expensive on the day.

Check your car insurance or roadside assistance membership for special offers on airport parking.

Some airport hotels offer one night pre-flight stays that include holiday parking.

Look out for other parking offers.

Book your cab/minivan in advance. Negotiate a deal with the driver to pick you up on return as you are giving them double business.

Tip # 9. Buy Low Cost Travel Insurance

Compare prices and make sure that it has what you need. If you’re going away more than once in the year consider an annual policy.

I always save loads of money whenever I go to Disney, and I still have a Disney holiday in luxury and style… you can too!

About the Author: Tim Burton writes travel articles for the popular

Rent Orlando Villas Florida Holiday Homes

website and

Rent Vacation Rentals Worldwide

website Copyright 2006 by Tim Burton

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Benefits Of Doing Free Music Downloads From The Web

Benefits of Doing free music downloads from the Web

by

Claire Bennet

Even in this age of legal and proprietary constraints, it is possible to perform free music downloads from the internet in a legal way. Listening to music shouldn t be taxed, and there are a few websites that make it possible for you to save money while enjoying your favorite music. The process of downloading music is simple and you can download your favorite music in just a few seconds. However, when it comes to choosing a website offering free mp3 downloads, take care because not all the sites are legal. Here is a list of benefits that you should enjoy when downloading free music from the web.

The best thing about free mp3 downloads is that you are getting the music for free. If you have some select songs from a music CD, you can get them for free without the need for spending money on the entire CD. If you want to purchase a CD, it can be an extremely expensive affair. You would not just be able to save money, but you can use the saved money for other tasks. Additionally, you are able to use your money more efficiently as you can choose between downloading a few songs and purchasing the entire CD.

[youtube]http://www.youtube.com/watch?v=k0BWlvnBmIE[/youtube]

Convenience is another advantage that comes with free music downloads from the internet. You would be able to download the music from the comfort of your home if you have an internet connection. All you have to do is to find a reputable website that offers music files for free and in a legal way. There is no need to travel to a music store to purchase the CD. A reliable online music store would allow you to download music files directly or they would offer some software that enables faster searching and download.

Once you find a good free mp3 downloads website, you would realize that the entire process is extremely easy. The websites have special software and designs that make it easier for just anyone to find their favorite songs by artist, album, genre and other parameters. Once you have found the song, all you have to do is click on the download button. This is relatively easier than converting the files in a music CD into mp3 files.

Nowadays, there has been a surge in the number of legal issues surrounding downloading of music. However, there are a select few websites offering free music downloads that allow you to download your favorite music without any legal problems. These websites are reputable and they offer their services entirely on a legal term. You must choose only such websites otherwise you stand the chance of getting into legal entanglements.

It is not at all difficult to find websites that offer allow you to carry out free mp3 downloads. The more reputable ones may require you to create an account with your email and name. Make sure that you double-check the website for its authenticity and legalities. You want to deal with a reputable and reliable website that offers you the tracks of all the albums without any exception.

The web has changed the way people sourced music. You can save good amount of money by looking for

free music downloads

online. Visit the website given here and you would be able to find a reliable website offering

free mp3 downloads

.

Article Source:

ArticleRich.com

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Tips For Choosing A Good Dentist

Submitted by: Gabriel Adams

When choosing a dentist, you will need to take a number of factors into consideration. If you have dental insurance, however, the first step in the selection process will be to find out which dentists are covered through your insurance.

Many dental insurance policies restrict the choices of dentists that can used in order to gain the full advantages of the coverage. Those dentists that are included in the network have agreed to abide by the guidelines as established by the insurance company, including agreeing to receive only a specific amount of money from the insurance company on various procedures.

[youtube]http://www.youtube.com/watch?v=sstCC7T0Do4[/youtube]

Once you know which dentists are available in your network, you can begin to narrow down your choices even further. Of course, if you are unable to find a dentist in your network that you feel comfortable with, most policies will allow you to go to a dentist that outside of your network. The downside to taking this step is the fact that you will have to pay more out of your own pocket toward your visits and treatments. Over time, this can become quite costly.

If you are hoping to stay within your network in order to reap the greatest benefits of your insurance, talk to your co-workers about their experiences with dentists in your network. Reputation goes a long way when it comes to selecting the best dentist for you. If you find that many of your co-workers prefer going to one specific dentist, you will likely enjoy going to that dentist as well. Similarly, if you have co-workers that have had a bad experience with a particular dentist, you know to avoid using the services that dentist offers.

Of course, proximity to your home is another factor. Depending on where you work, many of your co-workers may live in an area that is far from where you live. As such, you should seek out those co-workers that live in your area in order to find out who they go to for their dental hygiene care.

About the Author: Find a

dentist in nottingham

at http://www.dental-suite.co.uk/

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High Deductible Medigap Versus F Plan Supplement

By Dennis Jarvis

An important addition to the Medicare supplement market was the advent of the High Deductible F plan. As health insurance agents across all segments, Individual, Small Group, and Medicare supplement, we’ve been big fans of high deductibles for many years now. It went along with our belief that health insurance was increasingly becoming a question of insuring the really big bill and self-insuring the smaller bills as rates continued to increase ad infinitum. We’re a little more hesitant with the high deductible F Medigap plan and we’ll explain further. If anything, it’s important to understand what were gaining and losing in both situations. Let the comparing begin!

First, a quick look at the standard trade-off. The F plan is pretty much the bulwark of the Medicare supplement world. It’s by far the most popular and generally stands as the most comprehensive Medigap plan with coverage for the core holes in Medicare such as deductibles, co-insurance, and maybe most importantly, excess. The high deductible option is an F plan with a high deductible built in. Medicare will still pay accordingly but you must meet the deductibles and 20% coinsurance until the deductible is met. Of course, the premium is much lower as a result of this high deductible. The pricing is affected by age and area of course but as an example, we’ll consider a premium difference of $100/monthly versus a deductible of $2000. This is a pretty good baseline on the market. So essentially, we’re talking $1200 annual savings versus $2000 deductible. It’s gets a little better on the side of the deductible since you’re realistically looking at roughly a $1200 hospital deductible and $150 for physician costs, after which you’ll pay 20% of the charges. You won’t really hit the $2K deductible unless you have really big bills in a calendar year. On the surface, this isn’t a bad trade off. If you don’t big health issues, you’re going to save $1200 and maybe you’ll incur under $600 annually in a good year. If you have a really bad year, you’re out of pocket $800 versus the straight F plan. That’s what we’re looking at $1200 in savings in a perfect year versus spending an extra $800 in a really bad year. Sounds great, right?

[youtube]http://www.youtube.com/watch?v=Hhb84VejCZM[/youtube]

Obviously, if you have more serious health issues (or history), the high deductible isn’t a great option from the start. You’ll be paying an extra $800 each year above what you would pay on the straight F Medigap plan. Here’s the issue. At age 65, you are entering a period of life in which medical care usage and expense skyrockets. As it is, a person’s health care costs double with every decade of their life on average. This really accelerates over age 65. Our hats go off to all the 65 year olds who eat healthfully and attend yoga and Pilates regularly but many expensive health care concerns are in spite of healthy living for the over 65 age band. If you’ve lapse the gym membership or love donuts, then let’s be honest, the costs will likely be much higher. If you were a betting person, putting your money on low health care costs over age 65 is not supported by statistics. You don’t want to take short term gain (premium savings of $1200) versus long term pain (out of pocket of $800 annually). This bring us to another point, if your health changes significantly, it can be impossible to change plans to the traditional F medigap plan in the future. That’s the skinny on the high deductible versus F plan. Of course, we’re happy to walk through your particular situation but you’re now armed with information that can directly affect your future health care expenditure.

About the Author: Dennis Jarvis is a licensed insurance agent concentrating on

medicare supplement insurance

. Find more articles and guidance about

Medicare Medigap

plans.

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5 Ways To Remove Your Unwanted Piano

There will come a time when you’ll need to remove some of the large items in your home. That old piano may be one of them. The thought of removing such a valuable or sentimental item may give you some second thoughts but the need and urgency to dispose of it deny you of that choice.

Are you in the midst of a home renovation? Are you in the process of moving to a smaller loft and you can’t bring that big old piano? There are a bunch of reasons why you can no longer keep or take care of that piano. You just need to know all available options that are there, right?

Allow us to help you come up with the most sound decision for your piano. We have listed below the top 5 ways of disposing of your old piano.

Sell Your Unwanted Piano Online

Thanks to the power of the internet, quickly getting rid of that piano while getting back some of the money you’ve invested in it can become a possibility. There are a lot of markets out there where you can find potential buyers for your piano.

The most common and popular marketplaces are Facebook, eBay, and Craiglist. There are also a lot of local online platforms where you can meet buyers near you. You can communicate with them and even request the buyer to pick up the piano at your location.

Note: Although old pianos are treated as antiques, they usually aren’t worth a lot of money.

Donate Your Piano to Charity Institutions

If you think that selling your piano is not worth the effort, you can consider donating it. You can bring the piano directly to charity organisations or have them pick it up from your home.

Check your local network for schools, churches, or institutions that are willing to accept your piano. These are places where your piano can still be of service. You can be assured that they’ll take care of your instrument for you.

Recycling the Piano for Reuse of Valuable Parts and Materials

A piano is a musical instrument that is composed of many valuable and durable parts. The hardwood itself has been cured and laminated for the purpose of stability and durability. Its strings, on the other hand, are made of high carbon steel. If your piano is broken and beyond repair, it is best to recycle it to salvage the still usable parts.

The parts mentioned above may be valuable in terms of their quality but be aware that they don’t catch high prices when sold. It is better to recycle the materials or repurpose them into something you can use.

Recycling and dismantling the piano by yourself is also not a good idea. It is very easy to destroy the parts and make them totally unusable if you don’t apply safety measures while doing the task.

We advise that you hire a junk removal company or send the piano to a recycling centre to ensure the recycling process will be as smooth as possible.

Offer the Piano to Friends, Family, and Music Students at a Cheap Price or for Free

You may have no use for that old piano but there are a lot of people out there who may need the instrument and have used it. Start by offering the piano to your friends and family at a cheap price. However, you have to make sure that your instrument is still in respectable shape or can still be repaired.

There are music students out there who don’t have the means to purchase a piano. You can as well just give it to them for free. A small act of generosity and charity through that old piano wouldn’t hurt you, right?

Call a Piano Removal Company to Properly Deconstruct, Recycle, and Dispose of Your Old Piano

If all the options mentioned above don’t work for you, you can always opt for hiring a piano removal company. These companies have the means and abilities to take care or dispose of your old piano for you. This can be your best option, especially when you’re in a hurry to get rid of that piano as soon as possible.

Remember that not all rubbish removal companies are the same. You have to carefully scrutinise which one to hire depending on your needs. Check their prices, reputations, and availability of services in your area.