Medical bills: Don't let them kill you

Written by Curadebt


Having a good health condition is not just a matter of "good luck" or chance. There are many things that can be done in order to improve one's health conditions, prevent illnesses and atrepparttar same time save money on medical bills. Unexpected medical bills are one ofrepparttar 112549 most common reasons leading people to economical problems.

We all knowrepparttar 112550 feeling when that crippling medical bill has to be paid. Most of us try not to think about it. We ignore that pain and put off making an expensive appointment to see a specialist we hope it will all just go away. There are some practical things we can do to improve our chances of not having to face huge medical bills. Here are a few suggestions.

1. Identifyrepparttar 112551 areas of your health, which worry you:

Many people are afraid of heart problems. Perhaps there is a history of heart disease inrepparttar 112552 family. If this isrepparttar 112553 case, userepparttar 112554 Internet or your local health service to get information on preventative action. This may involve a significant change in lifestyle and, believe it or not, it might involve a real reduction in your spending, since it most probably you would be advice to use less your car and exercising more, to have a healthier life style and nutritional habits. You could also feel better just because you have taken that first step to protecting your health.

2. Preventive checkouts. Some investments in regular checkouts and tests could save you lots. Most ofrepparttar 112555 common illnesses just don't start suddenly. Symptoms appear slowly. Some people choose to ignore them because they are too busy or they want to think they will get better by themselves. Atrepparttar 112556 initial stages of an illnessrepparttar 112557 possibilities to treat it totally, faster and most efficiently are bigger,repparttar 112558 treatments are less expensive and more importantly you are preventing yourself from getting a serious disease that treated on time can be totally cured.

3. Exercise more. The benefits of practising regularly any kind of physical activity are numerous. It not just improves your physical appearance and boosts your confidence, but it reduces your stress levels, improvesrepparttar 112559 functions of all your systems including cardiovascular, muscular and immune. It strengthens your joins avoiding illnesses such as arthritis and rheumatism. Exercising even helps you to think better and clearer, since it improvesrepparttar 112560 blood circulation inrepparttar 112561 brain.

4. Minimize hazardous situations. Prevention is definitelyrepparttar 112562 main key to a healthier life. Check regularly your car mechanic and electrical condition especially before a long journey. Made surerepparttar 112563 electrical and gas appliances in your house and work place are safe and there are not problems withrepparttar 112564 connections or leaks. Make sure everybody knows in your house and work place what to do in case there is an emergency such as fire.

How to beat the mutual fund companies at their own game

Written by Ulli G. Niemann


You'd have had to be living on a desert island with no TV, newspaper or internet connection to have missed hearing aboutrepparttar great mutual fund scandal of 2003.

The issue was that some mutual fund companies allowed certain hedge funds to engage in after-hours trading, sometimes incorrectly referred to as market timing. Unfortunately, some companies have usedrepparttar 112548 confusion aboutrepparttar 112549 term "market timing" to further their own cause. How?

They have used this issue to pretty much ban all forms of trading their funds, and some companies are imposing hefty short-term redemption fees—penalties for all intents and purposes—inrepparttar 112550 name of avoiding impropriety. Butrepparttar 112551 real idea behind it all is: Buy our fund and never sell it!

These companies advocate a stubborn Buy & Hold philosophy despiterepparttar 112552 devastating effects that approach had on investors’ portfolios duringrepparttar 112553 recent bear market. Performance is immaterial to them—they want your money in their fund whether it's going up or down.

With all ofrepparttar 112554 negative press overrepparttar 112555 months you'd think that mutual fund companies would have cleaned up their act and started giving more consideration torepparttar 112556 individual investor. Not so.

This was brought home to me when a fund manager of an $800 million mutual fund called me to see what my plans were in respect to holding our positions with his fund (about $2 million).

I explained my trend tracking methodology and he got very angry when he heard I would protect my clients' accumulated profits by selling his fund if it were to drop 7% off its highs.

His blustering made it quite clear that he did not like anyone managing forrepparttar 112557 benefit of their clients; he only cared about what was best for him and his company.

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