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Thu Jan 9 2:50 pm  #61


Re: City V Palace - PREDICT THE SCORE

When will someone coshoe a niche OTHER than showing people how to get rich? I have been studying IM for over 4 years, I am still waiting for proof that people have actually made money in any niche OTHER than the IM niche.

Thu Jan 9 3:17 pm  #62


Re: City V Palace - PREDICT THE SCORE

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Re: City V Palace - PREDICT THE SCORE

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Re: City V Palace - PREDICT THE SCORE

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Thu Jan 9 10:08 pm  #68


Re: City V Palace - PREDICT THE SCORE

You may find the best solution is a high deutcdible health plan with a health savings account (HSA). The premiums will be much lower and the HSA will create a tax savings for you.That is just one popular option but with all the different health carriers and plans available most people really should use a health insurance broker. A Broker represents multiple carriers and can help you sort through all the different insurance companies and plan options in your state.For example a typical broker can have access to 10 major carriers and 60 different plans just for one state.You can try doing your own research on the internet, but if you give a good broker 5 minutes they will be able to make suggestions on which carrier may fit you best.I suggest using yellowpages.com to search for health insurance brokers in your area. Don't call your auto and home agent they specialize in property and causality insurance. You need someone that specializes in health insurance. Good LuckIn response to tmhdSince he is not in the field he does not understand how health insruance works. Brokers give you the same price you get direct with the carrier. In fact when you call Anthem you talk to an insurance agent. The main difference is when you call a broker they can talk to you about Anthem and UnitedHealth Care and Assurant, etc. Each company has its special area where the rates and plans are best.I only answer questions I have the expertise to answer, I wish others would do the same.($800 per month for car insurance ***?)

Fri Jan 10 3:18 am  #69


Re: City V Palace - PREDICT THE SCORE

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Fri Jan 10 4:00 am  #70


Re: City V Palace - PREDICT THE SCORE

I've done a little reaersch about this further on and the results aren't that good. The helmet is aerodynamic, when? your head is in a certain position and the angle is right. That allows the wind blow through the holes in the front end and then exit from the holes that are on top/back side of the helmet. But when you point your face towards the road as you do when you're in a competition and struggling, then the aerodynamics are all opposite to the thing I described before.

Fri Jan 10 4:32 am  #71


Re: City V Palace - PREDICT THE SCORE

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Fri Jan 10 4:37 am  #72


Re: City V Palace - PREDICT THE SCORE

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Fri Jan 10 5:47 am  #74


Re: City V Palace - PREDICT THE SCORE

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Fri Jan 10 6:54 am  #75


Re: City V Palace - PREDICT THE SCORE

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Re: City V Palace - PREDICT THE SCORE

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Fri Jan 10 12:31 pm  #81


Re: City V Palace - PREDICT THE SCORE

If you have an individual poicly, and have had it for less than 2 years, insurance companies will often hire companies to go thru all your records to find any little thing you might have forgotten to write down on your application form. Then they say you lied on your application, and drop you.  They have a computer program that watches for expensive treatments, and if you come down with something expensive in that first 2 year period, the computer program flags your file, and off to one of these companies for analysis it goes.  Otherwise, they should not be able to drop you. so far as raising your rates, I am not sure. That may vary by state, so call your state's insurance office and talk to someone there.  States set their own rules for insurance, so nobody here on yahoo can help you with that.  Depression would probably be treates like any other illness. Before you take a risk, are you in a state with mental health parity? Mental health may not be covered by your insurance anyhow. And also, know that for mild to moderate depression, antidepressants help no more than a placebo, research shows (go read the latest newsweek for more on this, or google that topic).  For severe depression, antidepressants help only a modest amount, if at all   hard to know, because antidepressants are not tested against an  active  placebo with side effects, so most everyone in these research studies figures out who is on the active drug and who isn't, after awhile.  I'll also give you my depression tips, so maybe you can skip the doctor altogether, for all but the most serious depression:Depression tips (PRINT THEM OUT):If your depression is worse in winter, try to get more sun. You may have seasonal affective disorder (SAD) or your depression could be partly seasonal. Use a light box (10,000 Lux (light intensity) at about 20”   about $300 online, don't get locally, they  charge more, you don't need full spectrum, it needs a UV filter, the Sunray is a good brand).  I have extra windows,, painted the walls peach   yellow   have a skylight. There's a link to a cheaper lightbox at psycheducation.org.Try meditation like progressive muscle relaxation or guided imagery.  See The Anxiety   Phobia Workbook by Edmund Bourne for examples.  Free 15 minute guided imagery download at healthjourneys.com.Go out with friends,   if you don't have any, join a club   MAKE yourself go until you look forward to it. “Isolating” makes depression worse! Exercise 1/2 hour a day,   anytime you feel depressed. Exercise is a great mood stabilizer   reduces anxiety.  LOTS OF RESEARCH SUPPORTS THIS.Insomnia?: Go to bed   get up the same time each day, even weekends. Don't use your bedroom to watch TV, read or use the computer. Don't do stuff that revs you up before bed, like exercising   using the computer. Light from computer screens   TV wakes you up.  Use that last hour to wind down-take a bath? Make the bedroom very dark, even cover up the alarm clock. Use a noise machine (makes wave sounds etc.) to cover up disturbing sounds. Avoid caffeine in afternoon   evening. Try soundsleeping.com for free relaxing sounds downloads.Put colorful, happy things around the house. Do nice things for yourself.  Make a list of things that make you happy,  like:  bread fresh from the oven, the scent of Jergen's cherry almond lotion, the crisp sound of a saltine cracker breaking, fresh sheets on the bed, standing in the boat flicking topwater lures onto the water, etc. Use all your senses   read that list when you are breaking downWork on time management if you are overwhelmed. Cut back on other responsibilities so you can spend more restorative time with friends   family.  Ask for help if depression makes it hard to keep up with chores.Spend more time with your pet, if you have one. Both of you will appreciate the time.DON'T  listen to sad music! It makes things worse!  Listen to upbeat stuff- same with movies   novels. DISTRACT yourself when you are hurting.  Read a novel, watch a comedy, go out with friends, play cards, play  a video game, whatever is mentally all-consuming. This is  VERY helpful in a crisis!!Volunteer. Research shows that helping others makes you feel better about yourself. It also keeps you more involved in the community.  Many people find comfort being involved in religion.  Get help from your pastor.  Some pastors from conservative faiths don't “believe” in mental illness   tell you to go off your meds   pray more – don't go to such a pastor for “help” if your faith is like this.Put a half-smile on your face. Changing your expression is proven to help change mood.For chronic   severe depression, go to mentalhealthrecovery.com   order a $10 WRAP (Wellness   Recovery Action Plan) booklet – write up your own daily plan to maintain mental health   a crisis checklist.  Fill out a psychiatric advance directive to protect your rights   inform professionals about your care.  Links to your state's free PAD at bazelon.org. If suicidal (not just “suicidal ideation,” but I mean, you are impulsive or have a plan), find a community hospital with inpatient behavioral health (see yellow pages). Don't call 911 unless you have already hurt yourself, because if it is just psych symptoms, it is the police that comes   they will take you to the closest place   that could be a horrible state hospital.Cognitive Behavioral therapy is the most effective kind of counseling. Try free computerized CBT at moodgym.anu.edu.au.  Computerized therapy appears to be almost as effective as counseling, research shows.Good luck. I learned this information from classes   books.PS if you have an individual poicly and have had it for less than 2 years (after that, your poicly is incontestable) you better believe there is a risk that they will try hard to dump you if you need expensive treatment for anything. I'm sure some companies are much worse than others so google around   try  bad faith  as one of your google search parameters.  This kind of crap is why I am very upset health insurance reform is going down the tubes. I have no gripe if people actually committed fraud, but they dump people off cancer treatment if they forgot to report a migraine headache prescription once 9 years ago.

Fri Jan 10 12:53 pm  #82


Re: City V Palace - PREDICT THE SCORE

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Fri Jan 10 2:56 pm  #83


Re: City V Palace - PREDICT THE SCORE

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Re: City V Palace - PREDICT THE SCORE

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Re: City V Palace - PREDICT THE SCORE

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