Chest Muscle Exercises

A defined chest and an increase in chest muscle is a major fitness goal for a number of people, but what are the best chest muscle exercises?

The chest is a major muscle and the centerpiece of a great physique as it is the most aesthetic muscle on your body.

Chest Muscle Exercises are the key to building up all of the different areas of your chest which will lead to a bigger, stronger, wider chest.

Your chest includes some of the largest muscle groups in the upper body. Large muscles can handle more weight, which is important to remember when you are doing your chest muscle exercises.

When doing chest muscle exercises, your shoulders and arms are also involved allowing you to burn even more calories. A chest workout also serves as a great warm up for those smaller muscle groups.

Chest Press
The chest press is a great chest muscle exercise because it works all of the major muscles of the chest while also working shoulders and triceps.

To perform a basic chest press begin lying on your back on the bench press bench with your feet flat on the floor and spread shoulder width apart, grab the bar a bit less than shoulder width.  Straightening your arm, lift the barbell and position it so that the bar is at arms length over your lower chest.

Lower the bar down and touch your chest, keeping your upper arms close to your torso and then push the bar back up into starting position without allowing it to bounce off of your chest.

This exercise will add mass and definition to your chest, and is one of the best chest muscle exercises.

Remember to have some there to spot you whenever working out on the bench press.

Push Ups
Pushups are a great chest muscle exercise because they work almost every muscle in the body but an emphasis the chest and arms.

The basic pushup is simply and yet incredibly efficient.   Placing your hands shoulder-width apart, bend your arms and lower yourself down as far as you can. Straighten arms and push up but remember to avoid locking your elbows.

When your muscles grow more accustomed to the movement and you become used to lifting your body weight you can increase the weight by adding weights either around your waist or on your back.

Changing the width of your arms, from shoulder width to very wide, to forming a diamond with your hands in order to gain the greatest effect from the push ups.

Chest Flies
Chest flies are a great chest muscle exercise because it works the major muscles of the chest with a focus on the outer portion of the chest.

To perform chest flies lie on an incline bench holding one dumbbell in each of your hands with your palms facing towards each other just above your abdomen.  Arch your elbows out and away from your body while raising your arms up towards shoulders.  Pause for a moment before moving your hands slowly back down to your starting position.

When performing chest flies it is important to perform the movement in a slow and controlled motion.

These are just a few chest muscle exercises, but they are also the most effective chest muscle exercises when it comes to properly training and adding both mass and definition to your chest muscles.…

By Dante Filyaw November 4, 2015 Off

Los Angeles Private Equity

Middle market companies are a means to make money for Riordan, Lewis & Haden. The private equity firm targets middle market businesses, building on proven business models. The firm typically invests between $5 million and $15 million per transaction into companies with sales ranging from $25 million to $150 million. Most of its portfolio companies are based in Southern California and represent multiple industries. Some of its investments include property and casualty insurance provider Financial Pacific, data security software provider Foundstone, and environmental and telecommunications consulting firm Tetra Tech. Former Los Angeles Mayor Richard Riordan founded the firm.

Riordan, Lewis & Haden is a leading private equity firm which invests in growing middle market enterprises which are primarily headquartered in California and adjacent states. The firm, with offices in Los Angeles and Orange County, provides capital and assists portfolio company management teams as they navigate the opportunities and challenges of growth. Working collaboratively with management, RLH provides expertise, contacts, and experience-based advice on important strategic issues. The firm currently manages over $400 million of capital and is actively seeking new portfolio companies.

Riordan, Lewis & Haden (RLH), a leading private equity firm focused on high-growth middle market enterprises, announced today the closing of its most recent fund, RLH Investors II, L.P., totaling $265 million of committed capital.

Founded 25 years ago by former Los Angeles Mayor Richard Riordan and J. Christopher Lewis, RLH is well known for its long history of building successful businesses and creating value for its investors through close partnerships with proven CEO’s and leadership teams. Riordan, Lewis & Haden focuses on investments in growth companies with revenues between $20 million and $250 million, proven and profitable business models, and headquarters located primarily in California or adjacent states.

RLH industry interests include business services, healthcare, specialty distribution, high value-added manufacturing, and financial services. The firm’s equity capital facilitates corporate growth, as well as partial and complete ownership transitions. RLH’s investment appetite per transaction ranges from $10 million to $50 million, with larger amounts available through the firm’s co-investor relationships. The firm will continue to make both minority and control investments, adapting its investment structure to each portfolio company to best serve the capital needs of the enterprise and its management and owners.

RLH Investors II marks just the second time in the firm’s twenty-five year history that it has accepted outside investment. The roster of limited partners in this fund includes a diverse mix of public and private employee pension funds, endowments, foundations, global insurance carriers, national and regional banks, and high net worth individuals. Notably, almost all of the major investors from RLH’s prior institutional fund have chosen to participate in the new fund at a comparable or greater commitment level.
“We are honored to have the support of our limited partners,” said General Partner Patrick C. Haden. “For 25 years we have pursued a focused strategy of partnering with the management teams of high-growth businesses to build significant enterprises.…

By Dante Filyaw November 4, 2015 Off

Urinary Tract Infection Cures – the Simplest Way to Treat Your Bladder Infection at Home

Most urinary tract infection cures center around keeping your tract healthy and preventing future attacks. Unfortunately, the traditional way of treating infections, antibiotics, does neither of these. If you have researched urinary tract infection antibiotics, you should know that the medication is only successful 75% of the time.

Fact! About 25% of bladder infection sufferers will redevelop their U.T.I. after using antibiotics.

Why is this? The reason why this form of medication can do more harm than good is because the medication kills the bacteria. The word ‘anti’ means no and ‘biotic’ means life. In other words, an antibiotic means ‘no life’. This would be the perfect treatment for the infection but your body contains both ‘good’ and ‘bad’ bacteria. And as you may have guessed, antibiotics kill both types of bacteria.

But what is the best way to treat your U.T.I.?

A Healthy and Balanced Urinary Tract

The newest medical research validates many natural health remedies. For instance, research everywhere is showing how the whole body functions as one organism. And treatment for your body (or bladder) should adhere to this fact. That is where we get the term ‘holistic treatment’.

Unfortunately, many traditional medications do exactly the opposite. In the case of your infection, antibiotics are prescribed for the bladder only and often times do harm to the urinary tract in its entirety.

And that is a reason why all natural health doctors and some doctors are now recommending simple urinary tract infection cures that you can do at home. Here are some of tips many doctors are now recommending to their patients.

Natural Ways to Cure Your Urinary Tract Infection

These 5 tips are a simple way to flush E coli bacteria and prevent future attacks with prevention tips.

1. You should start by supplementing Vitamin C. Vitamin C (also called ascorbic acid) is a natural way to boost your immune system. Your immunity keeps your body healthy by fighting bacteria, viruses and infections. Since U.T.I.s are usually caused by E coli, taking a quality supplement can help cure and prevent attacks.

2. You should also keep your kidneys healthy because they aid in preventing U.T.I.s. An alfalfa juice concentrate can dramatically improve the kidney’s functioning which will rid the body of toxins and increase the flow of urine. Another good tip would be to add cranberry fruit tablets to the concentrate for an extra prevention boost!

3. Another tip our customers have found success is with the dried berries and leaves of bilberry (blueberry) plants. This remedy has been shown to cure and prevent urinary tract infections by acting as an anti-inflammatory.

4. Perhaps one of the most popular herbs is Echinacea. Echinacea is often referred to as the ‘wonder drug’ of herbs because it is used to treat the common cold, flu and also fights off bladder infections. This herb will strengthen the immune system and fight off most bacterial infections.

5. The best way to cure your infection is to flush the bacteria. We have spent thousands of hours of research on the Urinary Tract Infection Remedy Report which offers a simple and effective step by step remedy to cure yourself at home.

You’re 12 Hours Away from a Cure

You may have two options. Buy over-priced antibiotics only to find out that you have a 25% chance of getting another infection. Or use a 100% guaranteed Urinary Tract Infection Remedy that works in 12 hours.

Please take a moment and visit our Urinary Tract Infection Cures website which has helped thousands of sufferers cure…

By Dante Filyaw November 4, 2015 Off

Inpatient Rehab Los Angeles

All major drugs of abuse are readily available in the Los Angeles Central District. According to law enforcement officials, powdered and

crack cocaine and methamphetamine present the most significant threats. Do to the ready availability of the high-purity, highly addictive

properties of these drugs, many Los Angeles residents are caught in the downward spiral of addiction without seeing any way out from this

nightmare. Narconon Arrowhead has the solution by offering effective inpatient drug and alcohol rehab with a 70% success rate along with drug

education to over 65,000 youth about the realities and consequences of drugs and alcohol.

When a person becomes addicted to drugs or alcohol, treatment is what is given, but rehabilitation is what is needed to fully recover.  The

definition for treatment is to care for or deal with medically or surgically.  This is where the substitute drugs and “quick patch” programs

fall in place, but don’t always provide an effective solution.  

The definition for rehabilitation is to restore to a former capacity.  This simply means for a person to be in the condition he was in before

he had the ailments and the subsequent addiction.  The three main barriers to overcoming addiction are the cravings (mental and physical),

guilt and depression associated with the drug use.  

Many people wonder what causes drug or alcohol addiction especially if they themselves or someone they know has never been affected by

addiction. The first thing you must understand about addiction is that alcohol and addictive drugs are basically painkillers.  They

chemically kill physical or emotional pain and alter the mind’s perception of reality.  They make people numb. For drugs to attractive to a

person there must first be some underlying unhappiness, sense of hopelessness, or physical pain.

Addicts cannot stop using drugs for two reasons:  Mental and physical cravings caused by drug residues which remain in the body and the

biochemical personality caused by drugs and the lifestyle the person adopts to get them. These are the barriers that will stop a person from

achieving lifelong recovery. Narconon Arrowhead provides inpatient rehabilitation that handles these barriers giving a person the life skills

needed to live a healthy, happy, productive and drug free life.

If you know someone struggling with a drug or alcohol addiction and would like to find an effective inpatient drug rehab in Los Angeles

California, call Narconon Arrowhead today. Narconon Arrowhead is one of the world’s largest and most effective inpatient drug rehabilitation

and education programs with a success rate of over 70% of those who graduate. Narconon Arrowhead offers free addiction counseling, free

assessments, and referrals to the residents in Los Angeles California. To locate a Los Angeles inpatient drug rehab or find out information

about drug abuse contact Narconon Arrowhead by calling 1-800-468-6933 or visit our website at <a  

rel=”nofollow” onclick=”javascript:ga(‘send’, ‘pageview’, ‘/outgoing/article_exit_link/1022814’);” href=”http://www.stopaddiction.com/index.php/Metro/Los-Angeles-Area-Drug-Rehab/index.html”

title=”www.stopaddiction.com”>www.stopaddiction.com</a>…

By Dante Filyaw November 3, 2015 Off

Propolis: the Natural Antibiotic

Copyright (c) 2008 Ruth Tan

Propolis is a natural antibiotic that is fast gaining in popularity in the application of home remedies! It’s one of those bee products that really cause me to wow at the wonder of nature and marvel at the ability of the highly organised insect – honey bee. Now, let me tell you the fascinating story of propolis.

Some trees and conifers produce sticky resins as part of their immune system to defend themselves against disease. Honey bees collect these substances that ooze from the buds of these plants. After chewing them and mixing them with their saliva and other substances, propolis is formed. This nutrient-rich substance is of vital importance for the survival of the honey bees in the beehive. It is created to sterilize the hive and protect it against diseases and infection. Not only does it help to inhibit the spread of bacteria, virus, and fungi that would otherwise pose a significant threat in the closely-knit quarters, it also and help fight against climatic changes, such as wind and cold. It is also used as a “putty” to seal cracks and openings in the hive and to strengthen and repair honeycombs, and for this reason is also known as ‘bee glue’. Another fact that amazes me is that honey bees also use this sticky substance to embalm or “mummify” the carcasses of larger insects that invade the hive. Such intruders are immediately stung to death but because the defending bees can’t transport such heavy corpse away from the hive, they embalm them rather than allowing them to decay. The ancient Eygptians observed this and used propolis as one of the embalming agents for their exquisite mummies!

Propolis contains approximately 50-70% resins, 30% wax, 10% etheric oils and 5% pollen. It is especially rich in amino acids, important for immune system function. It has a high vitamin content (Vitamin A (carotene), Vitamin B1, B2, B3, biotin) and is extremely rich in bioflavonoids (Vitamin P) which are believed to have numerous immune building properties and health benefits. Bioflavonoids are the natural pigments in fruits and vegetables and are found in abundance in oranges. This bee glue contains almost 500 times more bioflavonoids than is found in oranges! It also contains an array of albumin, calcium, magnesium, potassium and phosphorus. Like Royal Jelly and Bee Pollen, it contains a number of unidentified compounds which work together synergistically to create a balanced, nutritive substance.

Propolis can be purchased completely raw and unprocessed, but it in its natural state is a sticky substance and is very difficult to handle. Some beekeepers will package it raw and freeze it in small portions. It can then be added to a coffee grinder in its frozen state and ground for easy consumption. Most producers utilize a process where the active ingredients are ‘leached’ into water or alcohol, then either packaged in liquid form or dried and capsulated.

Because of its antibacterial, antifungal, antiviral, anti-inflammatory and antioxidant effects, this precious substance has been used as a natural cure and healing agent for many centuries. It has the ability to provide protection against infectious invaders, promote healing and regeneration of tissue, and provides a superior source of energy and stamina. It has been used as ointments for healing cuts and wounds and shown to have outstanding value for a wide variety of illnesses. It is also used as a natural alternative to penicillin and other antibiotics. It is said to be particularly safe and effective and inhibits the resistance-building effect that is a negative factor with prescription antibiotics. In the former Eastern Bloc countries, antibiotics have never been widely available, but beekeeping is widely practised. To help prevent many diseases, hospitals and clinics recommended washing, gargling or irrigating the sinuses with this natural antibiotic rinse, as well as taking it orally. This bee product is certainly a good weapon against bacteria when used topically. It can clearly prevent infections, and can also help heal infections that have already begun.

Do you know that now even toothpastes contain natural ingredients related to honey bees? Propolis has become a healthy alternative to synthetic brands of toothpastes as it is especially useful in mouth and gum …

By Dante Filyaw November 2, 2015 Off

Economic Argument for Single-Payer Health Insurance

Do you know why it is that there is only one garbage company serving our area? Or only one cable provider? Would it not be better to have multiple companies in these industries to increase competition and thus drive down prices for consumers?  

The answer to the latter question is no. These particular industries lend themselves to being what is known in the field of economics as “natural monopolies”—monopolies that exist because they are more efficient than competitive markets.

If a garbage company drives its truck down a street with 20 homes but only picks up the garbage at 5 of these homes, it will face higher average costs than it would if it picked up at all 20. Let it pick up all 20 houses and it will face lower average costs that can be passed on to consumers in the form of lower prices only if mandated by a governmental authority (which it is, by the way). At the same time, the number of trucks spewing pollution and snarling traffic is reduced by allowing just one company the exclusive franchise.

The health insurance industry fits this same mold. A health insurance company is profitable when it can have a vast number of healthy premium payers to counter the few unhealthy ones. The more people (and healthy ones at that) they add as customers, the more they lower their average costs.

But since the insurance industry is a competitive one, no firm is required to pass on those lower average costs to the consumer in the form of lower premiums. And since the demand for health insurance is relatively inelastic (like cigarettes to a smoker), consumers will continue to bear the burden of higher premiums rather than go without—many consumers can’t switch to a competing insurer because they may have pre-existing conditions or get their coverage from their employer. It is no wonder these corporate health insurance providers are reaping huge profits, such as Well Point’s $61 billion last year alone (this, despite the economic downturn).

Now, I have nothing against companies or individuals reaping profits for providing solutions—profit is a great motivator. And the price system is an effective way to allocate the things people want. But by its very nature, the price system necessitates that some consumers will not be able to afford certain items. For example, if I want a giant flat-screen TV but can’t afford the price the seller is asking, I don’t buy it. If enough people don’t buy it, the price eventually comes down to the point where a few more can afford to buy, but not everyone. This is a very effective system for allocating most everything. The question we should ask ourselves is should it be the system we use to allocate life-saving health care? Think about it: we don’t use the price system to allocate police protection—everybody gets it regardless of their ability to pay. It would be an insult to our police force to suggest that they only protect those that can afford to pay the price. Besides, that would be extortion.

A single-payer health insurance provider can take advantage of the natural monopoly phenomenon. Every working individual would pay into the system and every American citizen would be covered. There would be ample healthy payers to make this system not only viable, but much less expensive than that offered by private insurers.

Many Americans fear a government take-over of the health insurance industry. But I would wager to guess that many of these same people regard America’s military as the most powerful in the world despite being government-run. Or they claim that our fire fighters are the bravest, even though their paychecks are financed by our tax dollars. By the way, fire companies were once privately owned: At some point we saw the inherent flaw in that arrangement and now our fire departments work for the public good.

When the natural monopoly that was our electrical system in the state of California was deregulated in the misguided attempt to introduce competition, it was a disaster. In order to ensure that prices wouldn’t skyrocket (which is what happens when a natural monopoly is broken up), the state imposed price …

By Dante Filyaw November 2, 2015 Off

Harrison Ford Indiana Jones Workout

Harrison Fords Indiana Jones workout is about as tough of a movie star workout as it gets. For Indiana Jones, Harrison Ford is performing an intense workout and nutrition regime since the movie requires him to be in top physical shape since he needs to sprint, jump, role, crawl and just about anything else that someone combing through long lost ruins would need to do. His girlfriend recently took a moment to talk about the nutrition that is fueling his tough workout.

He is on a strict high protein diet. He is eating lots of fish and vegetables said girlfriend Calista Flockhart.

I think it is pretty simple. I mean we can look at him and tell he is not using drugs, which is often the reason that most people give for celebs getting in great shape. Plus we over complicate fat loss, it is alot easier than we think.

Now I am not working with Harrison but I imagine his workout looks something like this.

3 to 4 days of full body workouts with multi joint movements

3 to 4 sets of 8 to 15 reps per set

Short rest, around 30 to 45 seconds between sets

Aerobic training 3 to 4 days per week for 30 to 45 minutes

What is so interesting about his workout is that it is not your typical bodybuilding one set then rest workout. Harrison Ford knows that he can not be filming a scene then all of a sudden have to rest because he is out of shape. That is not what you would want to see out of a global trotting, treasure finding archaeologist.

Instead, he is training with multiple exercises that increase his ability to burn fat. Aside from the advantage of working out while he is still trying to recover from the previous exercise he is also helping his body burn fat for 24-48 hours after he is done working out. This is known as EPOC or Excess Post Exercise Oxygen Consumption, which basically means that your body is trying to replace the oxygen that you lost during your workout so it is burning fat to do so.

Not so bad. He also has to get a lot of work done in a short amount of time. I have been on movie sets and know that the days are long and tiring, even for the lead actors. So I highly doubt that he wants to go to the gym around 9 or 10 at night when they are done shooting and do a hour or so workout followed by long and boring cardio. Instead he gets all of the benefits of a cardio session during his workout.

I do not think he is taking a lot of supplements either. He is probably not even taking protein powder but just getting his nutrients from whole food.

Here is what I would have him do to build muscle and lose fat for the new Indiana Jones workout.

Everything would be timed rounds. So he would have to complete four exercises then rest for 60 seconds then he would go back to the first exercise again. After three sets of each he would then move to second round of exercises. We would do 3 sets of 3 different rounds, everything 12 reps.

1st round
Pull-ups
Push-ups
Bodyweight Squats
Bodyweight Lunges

2nd round
Dips
Close Grip Push-ups
Flat Dumbbell Chest Press
Box Jumps

3rd round
Jump Push-ups
Dumbbell Step-ups
Hi Cable Chops
Front Medicine Ball Squats…

By Dante Filyaw November 2, 2015 Off

Home Cellulite Remedy

Nowadays, more an more women concern more about their appearance, including skin, body, fashion style, hair and many other things. As well, they are facing with rather lots of bad problems such as hair loss, overweight, obesity or cellulite, etc. Of all the skin and weight issues women face, cellulite is at the top of the list concern for most women.

If you're a woman with cellulite, then you've likely looked for ways to get rid of cellulite, right? How is that mission going for you? It's probably safe to say that you're now looking for further information anti cellulite remedies. It has been proven that chemicals have various health hazards and thus should be avoided as much as possible. For any cellulite ailment, the initial attempt should be to resort to natural remedies that are absolutely safe to use, because cellulite is not an ailment in itself and can be cured if sincere effort is made to reduce the fat deposits.

Are you trying to get rid of that ugly cellulite and find a home cellulite remedy that works? Luckily for you because you've just hit a gold mine that you're to discover a simple home cellulite remedy proven to work. You can treat cellulite problems from home without going to a gym or spa. That can cost hundreds of dollars. By putting in some time and effort at home you'll be amazed at the results. Take a look below if you want to take the first step towards an anti cellulite life.

Firstly, eat a low fat, high fiber diet containing plenty of green vegetables and fresh fruits to reduce cellulite problem. Eliminate your intake of alcohol, coffee, soda and cigarette smoke to further aid your quest to end cellulite. Another thing you can do is massage the area. You can do this yourself by simply rubbing the area for a few minutes every day. A skin brush can also be quite helpful to use daily in addition.

Besides, exercises can also help you in cellulite reduction. There is no simpler home cellulite remedy than exercising. To help speed up the cellulite reduction process, you can choose exercises that target the area that contains the cellulite. 20-25 minutes of aerobic, cardiovascular exercise or weight training every day is all you have to do to ensure that you're cellulite-free within just a few weeks time. Faster, more noticeable results will require longer, more intense workout sessions. …

By Dante Filyaw November 1, 2015 Off

Counseling in Los Angeles

Los Angeles, known as the City of Angels, is a world city that spans an area of 498.3 miles and has a metropolitan population of 12.9 million residents, among whom 224 different languages are spoken.

This city is well-known as a center for fashion, science, education, technology and international trade. With this kind of population and diversity, the needs of people must be met in varying different ways.

One of these ways is through counseling Los Angeles, from helping many people with everyday problems and difficulties to those who need serious help with problems that are directly affecting their quality of life.

A counselor in Los Angeles is a person who is knowledgeable enough to give advice on any given subject about a particular situation. Friends, family, clergy and teachers may offer counsel to those they know in order to help them with a difficulty.

This kind of counseling is most often good advice for everyday problems, but in most cases it is only the beginning of seeking professional counseling.

In doing a bit of research, you will find a wide variety of professionals, who work in many different areas, involved in counseling Los Angeles.

These professionals can be found in business, law, architecture, government, education and in all areas of medicine.

Most often, when looking for professionals counseling Los Angeles people, you are looking for counselors in the area of psychology.

These types of counselors include family therapists, psychiatric nurses, social workers and mental health workers. Although they often specialize in their own area of expertise, they counsel the individual through one on one counseling and group counseling.

Many of the professionals counseling Los Angeles residents can be found through family doctors, local health clinics and the yellow pages. Another source to look into is the internet.

Online counseling services offer a wide variety of information on where to find a counselor and how to find one that suits you. Many of the sites show area maps that pinpoint addresses and the type of counseling you are looking for. Some types of counseling can be done online.

For some people, this saves them time and often works best because they are limited to how far they can travel and their work schedules may not be the usual nine to five time spot. Some of the situations that people need counseling in are family and family conflicts, marriage and family; this also includes child counseling.

Affairs and infidelity, sexual assault and incest recovery, transition therapy, eating disorders and phobias, addiction problems with drugs and alcohol as well as depression and mood disorders.

Counselors counseling Los Angeles people can be as diverse in their counseling as the people living in this huge community. Counselors can be found to suit the individual who is seeking the therapy.

There are many counselors who speak a variety of languages and who are from many different ethnic backgrounds.

There are also counselors who do Christian counseling or who have other religious backgrounds. This makes it much easier for many people who need counselors who can understand their background and the ethnic and social issues that are important to them.

Counseling Los Angeles people is about making people feel comfortable in the surroundings of the office environment in which they are being treated. It is about having a consultation, part of which may be over the phone and is usually free.

The second part is about you and the counselor meeting and talking about what your problems are, and any other issues that you may have as well as discussing what type of therapy would be of the most benefit to you.

Counseling Los Angeles citizens is a responsibility that consists of high moral standards and a strong sense of integrity. Counselors are people who have made it their profession to respect and understand the problems that people have.

They are willing to do what it takes to alleviate the problems brought to them by the individual and help to construct a better personal life for their patient.

Counselors are there to offer you advice and help you to understand yourself. They do not run your life, nor can they be expected to make all your …

By Dante Filyaw November 1, 2015 Off

Disability Insurance Vs. Life Insurance – Which Is Better?

I think that most people would agree that the we live in a state of insurance overload in this country. You need insurance to drive a car, you need it to buy a house (at least you do if you want to get a mortgage from a bank!), you need health insurance to cover medical costs… it seems like everywhere you turn there’s more insurance to buy!

It can become overwhelming for most people, but there’s one area of insurance that you don’t want to overlook and it’s an area that most people do overlook. I’m talking about disability and life insurance.

First of all, what are these two things?

Life insurance is simply insurance that pays your family a set amount of money in the case of your early death. If you get hit by a train or fall out of an airplane or laugh too hard during a funny movie and choke on a pretzel and suddenly die, life insurance makes sure that your family is provided for financially and that their standard of living does not decrease just because you’re not around to pay the bills anymore.

Disability insurance is very similar. The only real difference is that it isn’t focused on your death but merely on your disability. This is particularly important if you have a manual labor type job. So if you break your leg and can’t work for six months, that loss of income won’t affect you because your policy will pay out instead.  

Your employer may already have disability insurance as part of your pay package but chances are they don’t. You’re going to need to find out for yourself whether they offer it or not and if they don’t you’ll need to go out and purchase it on your own.

In a perfect world you should have both of these types of insurance to cover your family in case you die or in case you get hurt and can’t work anymore. Of course, we don’t always live in a perfect world and many people choose one or the other… so which one is best?

That’s a question I can’t answer for you, everybody has to answer that themselves. But for myself I would choose disability insurance as the most important if I had a manual labor job that my family relied on for their sole source of income.

If I die, that’s really bad but my wife can either start working herself to make up for lost income, or marry somebody else as crass as that may seem. The point is, they have options.

If on the other hand I lose my eyesight or break a vertebrae in my spine that keeps me from working anymore, then we don’t have that many options. My wife may not be able work because she might have to take care of me full-time and alternatively she wouldn’t be able to marry somebody else because I’d still be around, barring divorce of course. The point is, we have less options and you should always insure the scenario with the fewest options.…

By Dante Filyaw October 31, 2015 Off