Medical bills: Don't let them kill you

Written by Curadebt


Continued from page 1

If you go out for a holiday be especially careful of what you eat and where you eat it. Food has to be properly prepared and cook in order to avoid cross-contamination and food poisoning, expire dates needs to be checked carefully. Don't drink water fromrepparttar tap or any other source at least you know it is totally safe to drink it.

Everywhere you are, specially if you go on holidays or visit a new place, examine if there is anything that could represent a danger for you or your family for example children should not take a bath unattended, ponds, even shallow ones, are extremely dangerous for children. Precautions need to be maximized when having children around.

5. Budget: You know that you will have to pay those medical bills sooner or later. So don't wait until a huge bill arrives. Start to look at other areas of your life where you could make savings and set aside a little each month for medical bills. For example, you might be able to reduce your costs by changing your diet or cutting down on utility bills.

6. Prevention is better than cure: There are many ways in which you can become a healthier person and avoidrepparttar 112549 need for costly medical treatment. You may wish to consult a medical expert before deciding to take some kinds of exercise but even simply sleeping and eating at regular times, drinking water and walking can make a real difference.

Many people also try jogging, swimming, meditation, yoga and thousands of other ways to maintain a healthy body, mind and soul.

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How to beat the mutual fund companies at their own game

Written by Ulli G. Niemann


Continued from page 1

So, what can you do to prevent being taken advantage of? For one thing, do what your mutual fund company does — not what they tell you to do. Adopt a strategy for following trends, such as I do, and userepparttar mutual fund manger’s superior stock picking ability to your advantage by buying and holding only as long asrepparttar 112548 fund is performing well.

Remember,repparttar 112549 fund manager has one big disadvantage over you: He always “has to” be invested so thatrepparttar 112550 public can purchase shares in his fund. You don’t!

If market conditions dictate that you are better off inrepparttar 112551 safety of a money market account because we are in a severe downtrend, then you can take your money and run for cover. He can’t. He is constantly trying to adjust his portfolio to ever-changing economic conditions so that his potential losses are minimized. Atrepparttar 112552 same time you are being told that his fund isrepparttar 112553 investment for all seasons. Don’t fall for it!

You as an individual investor are really inrepparttar 112554 driver’s seat. Unfortunately, you have probably been conditioned to think that Buy & Hope is a good investment strategy, when in fact it is a losing proposition.

Bottom line is, use a well performing mutual fund during strong up trends and get over torepparttar 112555 sidelines during trend reversals. (That's exactly what I did for my clients in October, 2001, and we retainedrepparttar 112556 lion's share of their profits while Buy & Holders kept insistingrepparttar 112557 emperor was wearing new clothes.) Pretty soon you will feel that you are in charge of your financial destiny and any chosen mutual fund is merely a tool to bring you closer to your goals of maximizing your gain and minimizing your losses.



Ulli Niemann is an investment advisor and has been writing about objective, methodical approaches to investing for over 10 years. He eluded the bear market of 2000 and has helped countless people make better investment decisions. To find out more about his approach and his FREE Newsletter, please visit: www.successful-investment.com.


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