Fulfill Your Needs With a Custom Garden Shed

Any extreme home gardener is aware the importance of having a lawn shed, and all domestic and garden shops have large inventories of pre-fab kits. While these commercial sheds are simple sufficient to assemble and pretty beneficial for tool and supply storage, none of them can provide the benefit and allure of a custom garden shed.

Any lawn shed, custom or otherwise, starts offevolved with a foundation, roof, walls and locking door. A custom shed takes the fundamentals to anything level of creativity its proprietor goals. One homeowner may additionally need its architectural accents and paint scheme to echo the ones of his residence. Yet some other might decide to transform the it into a garden characteristic by means of including window containers and a small porch with rose trellises, and positioning it at the stop of a garden direction.

A custom shed can lessen domestic water bills with a rainwater catchment system that shops water for use for the duration of dry spells. Some gardeners want sheds with going for walks water and power so as to installation potting tables with UV growing lighting. Others may additionally decide to build south-going through windows into their sheds to seize the most amount of herbal mild.

A garden shed with room for bookshelves and a reading area might be remarkable for all of us who collects gardening books and magazines. Many crafts-smart gardeners enhance their personal containers. They’d simply respect a custom constructed area with built-in drawers for storing their pot stencils, brushes and paints, if you want to have short and easy get admission to to their gear when they get the urge to be creative.

If selecting the perfect custom shed design has you stumped, relax. Plenty of designs and constructing guides are available online, at your neighborhood library or in the DIY books section at your neighborhood home improvement keep. You’ll examine all approximately basis/ground substances and the way to anchor them, as well as framing, roofing and siding substances.

Comparison of Five Pet Health Insurance Plans

It doesn’t matter if you have already decided to purchase health insurance for the family pet or if you are simply. When you are comparing the quote of one health insurance quote to another remember that the base doller amount is not the only number you have to consider. In addition to the monthly payment make sure you also check out exactly what type of veterinary care and treatments are covered (some basic insurance plans do not include cancer treatment), what kind of deductible you, the pet owner, will be expected to pay, is there a yearly cap on medical expenses, and what type of discounts are available.
At the moment there are only a handful of companies that offer pet health insurance. Five of the most popular companies are Pets Best Pet Insurance, Veterinary Pet Insurance, ShelterCare, Pets Health and PetCare.
An insurance plan through Pets Best Pet Insurance will cost approximately $32.00 a month ($384.00 annually). Pets Best will cover pet sterilization provided the pet owner purchases an additional wellness plan. Pets Best does not cover pre-existing medical conditions a pet has so its best to insure them early in life before problems develop. Pets Best has a life time limit of $99,750 dollars per pet. Pets Best health insurance plans come with a $75.00 deductible. Multiple pet discounts are available. Pet’s Best pet health insurance does cover cancer.
Veterinary Pet Insurance is a company that offers pet owner a $14,000 a year cap on an insurance plan that only costs approximately $20.00 dollars a month. Veterinary Pet Insurance offers plans with a $50.00 deductible (after the deductible they pay ninety percent of the bill) on plans that include pet sterilization and cancer coverage. Veterinary Pet Insurance does not accept pre-existing conditions and does not offer multi-pet discounts.
ShelterCare is a pet insurance that cost pet’s owners approximately $29.95. For that $29.95 there is absolutely no deductible and cancer treatments are covered. ShelterCare will not pay for pet sterilization nor will they cover any pre-existing conditions. ShelterCare does not have a benefit cap. ShelterCare offers premium discounts for multi-pet plans, medical service, and micro-chips.
A pet health insurance policy through PetsHealth insurance company will cost the pet owner approximately $37.17 dollars per month. PetsHealth covers 80% of the pets vet bill after the $100.00 doller deductible is paid. PetsHealth has a $13,000 doller cap on each per year. PetHealth does insure pre-existing conditions after ninety days. Multi-pet discounts are available through PetHealth. PetsHealth does offer pet health insurance plans that cover cancer on a case by case basis.
PetCare is a pet health insurance company that estimates the average cost for a policy for a pet is $29.95 a month. This plan includes a fifty doller deductible. While PetCare is happy to cover the cost your pet’s cancer treatments they will not pay for any pre-existing conditions nor will they pay for pet sterilization. PetCare offers discounts for multi-pet plans and medical service.
None of the estimated monthly prices for these insurance companies include any extra insurances riders.
Any one or all of these companies can change their policies between now and the time you purchase a pet health insurance plan.
Remember to read the fine print before you sign up for a pet health insurance plan.
All five of these pet health insurance companies have their own websites where you can go to get up to date pet health insurance quotes.
There are other pet health insurance companies with different prices, discounts, stipulations, and benefit caps if you are not content with the previous five comparisons.

Alternatives To High Priced Health Insurance

Most Americans are struggling to afford health insurance. In just the past few years, the cost of buying health insurance for your family has skyrocketed. I was talking with an insurance agent recently, who told me it’s not unusual at all for his clients to be paying $1,000 to $1,400 per month for their family to be covered.

I don’t know many people who can easily afford those kinds of monthly insurance payments. Most who are paying them are making major sacrifices in other areas. The vast majority of Americans put health coverage very high on their list of priorities, so the other things that get left behind might surprise you. No question, the quality of life is far lower for many people now that they pay so much to be insured.

Meanwhile, many employers are cutting back their employees’ insurance coverage. Professions that once paid all their employees’ health insurance premiums — like teachers and firefighters — are finding the employee footing the bill for larger and larger portions of their insurance.

How are people coping? Many Americans simply don’t have health insurance anymore. That’s a big problem not only for families, who often put off going to the doctor, but also for society in general. People who hesitate buying medicine or seeing a doctor often end up very sick in hospital emergency rooms.

Others are simply reducing the amount of health insurance they have. They pay a larger portion of their doctor visits and prescription medicine costs. If you are a young adult, it may not make a lot of sense to pay huge insurance premiums to be covered for major illnesses that you are very unlikely to experience.

There are a growing number of health insurance plans that let you pick and choose the areas of coverage you want to pay for. While this practice was prohibited in many states, more and more places are seeing the wisdom and necessity of this approach.

Even more pressing than the cost of health insurance is the cost of buying prescription medicines. Many people simply can’t afford the spiraling cost of the medicines they need. Others might insist, willingly lowering their standard of living just to afford overpriced medicine. The solution to this problem increasingly has nothing to do with insurance. Organizations use their large pool of members to negotiate big discounts on prescription drugs at thousands of chain and independent pharmacies nationwide. Typically you can save up to 60% off generic drugs and up to 15% off name-brand drugs.

This is a big advantage for the elderly, families, businesses, organizations, and anyone who wants to lower their cost of medicine. Additionally, some programs also cover medicine for your pets. If you often care for an ill animal, this can save you a lot of money over time.

Unlike insurance, discount drug programs are often very low cost or free. Pharmacies participate in the discount programs to encourage you to buy from them. It’s a win-win for both you and the medical industry.

Baby Boomer Couples Cutting Health Care Costs

Baby boomer couples cutting health care costs by pooling resources to reduce the cost of long term care premiums. Instead of buying for one, advisers and analysts say you can sometimes slash premium costs by approaching long term care insurance as a couple.

For those willing to shop around the following three strategies are worth exploring:

1.Shared care plans

In general, sharing long-term policies doesn’t eliminate the need for both partners to buy separate plans. B…

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baby boomer couples cutting health care costs, long term care premiums, long term care partnership, shared care plans

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Baby boomer couples cutting health care costs by pooling resources to reduce the cost of long term care premiums. Instead of buying for one, advisers and analysts say you can sometimes slash premium costs by approaching long term care insurance as a couple.

For those willing to shop around the following three strategies are worth exploring:

1.Shared care plans

In general, sharing long-term policies doesn’t eliminate the need for both partners to buy separate plans. But unlike traditional policies, a special rider is tacked on to each to allow one spouse to dip into another’s benefits.

The main advantage of shared coverage is that if you need more than your current plan allows. But what happens if both eventually go over their allotted amounts?

If you’ve bought a contract with plenty of flexibility and terms that stretch over long periods, experts say that won’t necessarily be a problem. They point out that some providers offer policies that can cover an entire lifetime. A longer time frame usually means greater premiums. A lifetime policy can translate into extra costs when compared with short-term plans covering three- to five-years of long-term care.

“That can defeat the whole purpose of buying a policy that allows you to share benefits,” says Neil Gholson, President of LTC Finical Solutions, inc..

To make sure you don’t run out of benefits, Neil suggests at least four years of coverage. The Consumers Union senior policy analyst says that’s based on data showing nursing-home use averages around 2.5 years in long-term policies.

“Very few people spend more than five years in a nursing home,” Gholson said. “So if you’re going to get a long-term plan that shares care between spouses, look at a four-year term. Fewer years could be a little shy, especially considering that policies can cover home as well as nursing home care.”

Best suited for shared care policies might be couples that want to buy shorter-term plans but still want some flexibility to reach into their spouse’s pool of benefits, he added.

2. Long term care partnership deals

Two years ago, Congress expanded to most of the country a program that had been running for years in less than a handful of states. It allows the total value of long-term-care policies to be counted against Medicaid requirements for drawing on personal assets to pay health bills.

But different states have different contingencies. For example, in New York consumers must purchase a long-term-care policy that covers at least three years in a nursing home and six years of home-based care. In return, the state pledges not to go after any personal assets once someone exhausts the benefits in their private policy, says Gholson.

“So Medicaid care becomes a free benefit without any strings attached,” he added.

States such as California and Connecticut use what’s termed dollar-for-dollar protection. In those cases, authorities count the value of a private insurance policy to determine the amount of assets that are protected against pay-down requirements in Medicaid.

It saves the states money because they’re shifting costs of long-term care to insurance companies. And it puts fewer burdens than we currently have on the entire Medicaid system.

For individuals, such partnerships can limit the size of policies they’ve got to buy. The trade-off is that if you buy less coverage than a state’s threshold to qualify for Medicaid, you’ll still wind up dipping into your savings.

“If you live in a dollar-for-dollar state, you might want to buy enough insurance to protect your entire portfolio in a partnership program,” Gholson said.

3. Ask insurance agents about discounts on bundled purchases

This could be the simplest way to savings.

Some carriers now offer promotional rates for two people that buy a long term care package at the same time.

Those are marketed as spousal discounts and can range between 15% and 25% off regular premiums. And if you qualify as extremely fit and healthy candidates, some carriers will even add another 10% discount on top.

Some things to consider:

Each of the three options presents different caveats. “People need to remember that the shared-care marketplace is a fairly new phenomenon,” said Cheryl Matheis, a health strategist at AARP. “They need to ask a lot of questions and carefully examine all of the details in each policy.”

1. Check the insurers’ history of changing prices and policy conditions. Only a few carriers haven’t hiked premiums.

2. Shared long term care benefits likely will cost you slightly more than traditional long-term-care policies of a similar term.

The alternative is that if two people aren’t sharing long-term-care insurance, they’ll probably need to buy more extensive individual policies to get the same level of coverage. The big advantage to shared care is that you reduce the term of policies.

3. If you’ve got enough money, the best option is always to buy separate longer-term plans.

4. If you’re looking at a more affordable alternative, then shared care is an option to at least consider.

5. If you choose a state partnership programs need to note any loopholes may exist, Gholson says. Even buying enough private care insurance to match asset levels isn’t a guaranteed solution.

“Depending on where you live or move, the different Medicaid eligibility and income requirements in each state, the government might still be able to come after your assets in certain cases,” Gholson said.

Spouses cutting health care costs can produce significant benefits with the right amount of research. Contact a Long Term Care Professional that represents several carriers to see what your options are.

More Flavorful Heart Healthy Recipes

Today it seems that most diets, including heart healthy diets are focused on reducing fat and calories. They are forgetting about sodium. Lowering sodium intake is also important, especially in regard to a heart healthy diet.

Of course, it is important to watch your fat intake as fat has calories. It is also important to watch for and lower bad fats like saturated and hydrogenated, and to eliminate trans fats. All fats are not created equal.

It is important to add good fats. Include more mono-unsaturated fats, such as olive oil, nuts, nut oils, and avocados. It is also important to include fish oils, especially from fish high in Omega 3’s like salmon. You may need to supplement with high-quality fish oils to make sure you get enough Omega 3 essential fatty acids.

Increase your intake of fresh vegetables and fruits. Include a variety of colorful fruits and vegetables. You may have heard it said, “Eat around the colors of the rainbow”. Most folks don’t eat enough fruits and vegetables on a daily basis, or enough variety. Many diets say to eat 4 to 6 servings a day. Experiment and try new foods, new tastes and new varieties of fruits and vegetables. Eat more variety and you’ll get more variety of nutrients.

Try adding one new (nutritious and heart-healthy) food a week. Perhaps you don’t eat dark leafy greens like spinach or not very often. Try a spinach salad (leave out the bacon), or a chicken breast stuffed with spinach, or add spinach to a pasta or soup recipe. Even when eating green salads try different types of greens. This helps you get used to new foods and tastes. This is good step as long as you don’t drown the salad in most salad dressings. Choose more heart healthy extra virgin olive oil-and-vinegar salad dressings and avoid the high sodium and saturated fat in most creamy and dairy based salad dressings.

Include fresh garlic. This not only adds a lot of flavor, but fresh garlic is very good for your heart: a win win situation. You can find a way to add fresh garlic to almost any dinner recipe or side dish. If you don’t like preparing fresh garlic you can use tools like a garlic press, garlic slicer, garlic peeler, even a small food processor, or an herb grinder, to help you out. Today you can also find jars of already-peeled, chopped or minced, fresh garlic in the grocery store. Learning to work with fresh garlic is worth it.

Choose no salt or salt free seasonings. This is probably one of the most important steps when cooking heart healthy recipes. You need to get the salt out and flavor in. Sometimes folks forget to use enough seasoning. They may be used to cooking with seasonings that had a lot of salt in them so they are more careful, almost too careful. When adding no salt seasonings, you can and should be generous. Increase the amount of seasoning and you increase flavor; just make sure it’s a flavor you like. Also, get a variety of no salt seasonings, as you can get tired pretty fast of eating the same flavor over and over.

For Long-term Weight Loss Fruits

People are so motivated when they start a weight-loss program. You can say, ‘I’m never going to eat another piece of pie,’ and you see the pounds coming off lead investigator. Eating fruits and vegetables may not make as big a difference in your caloric intake. But that small change can build up and give you a better long-term result, because it’s not as hard to do as giving up French fries forever.
Some new research tried to figure out what might help post-menopausal women achieve long-term weight loss. And it turns out that adding produce to their diet didn’t show up as particularly helpful in the short term, but in the long term it matter.
The researchers didn’t find that eating fire chicken was just fine as long as it came with a side of broccoli. What they found was that some behaviors are hard to maintain forever, and adding produce might be easier than avoiding all fried foods from the healthy diet for the long pull.
Some new research tried to figure out what might help post-menopausal women achieve long-term weight loss. And it turns out that adding produce to their diet didn’t show up as particularly helpful in the short term, but in the long term for the healthy lifestyle.
The study, published recently in the Journal of the Academy of Nutrition and Dietetics, looked at overweight post-menopausal women. Gibbs, an assistant professor at the University of Pittsburgh department of health and physical activity, said several factors work against long-term weight loss.
Not only does motivation decrease after you start losing weight, there are physiological changes, including a decreased resting metabolic rate. Appetite-related hormones increase. Researchers studying the brain are now finding that you have enhanced rewards and increased motivation to eat when you’ve lost weight, she says.
For older women, the additional decline in energy expenditure makes maintaining weight loss even tougher. Traditional behavioral treatments for obesity, focused on calories, have had poor long-term results.
A group of 508 women from the Pittsburgh area were divided into two, one group of which met regularly with nutritionists, exercise physiologists and psychologists to reduce fat and caloric intake, eat more produce and grains and exercise regularly.
The second group was offered some general health seminars.
The researchers looked at what happened after six months and after four years.
At four years, most of the intervention group had lost some weight, compared with about a third of the other group. Gibbs said that the women all had wanted to lose weight and sought help.
For the six-month mark, the researchers found that weight loss was associated with eating fewer desserts and fried foods, drinking fewer sugar-sweetened beverages, eating more fish and eating out less. At the four-year mark, some of those things still mattered. But eating more produce and less meat and cheese emerged as important predictors of long-term weight loss.

If the goal is to decrease the burden of obesity, the focus must be on long-term strategies because changes in eating behaviors only associated with short-term weight loss are likely ineffective and/or not sustainable, the researchers wrote.