Also, here is a site with over 100 articles written by writersforyou.com 

http://www.peertrainer.com   (look for byline Janet Smith)

Sample Articles

Are You Dreaming of Free Medical Care?
Wake up! 

There’s been much debate over our current medical system and the insurance required for us to get quality care at a price we can all afford.  While it would be great to have minimal costs for our medical care, we are still only in the debate of changing the system. 

For now, all we can do is to learn how to get the Michigan health insurance policy to cover our needs without spending in excess or paying for coverage you’ll never use.

 Obviously, you hope you and your family won’t have to use your Michigan health insurance policy, but in today’s society, the chances are great that you’ll need the coverage of a Michigan health insurance policy more than once during the course of a year.  Without at least a minimum amount of coverage, just a visit to a general physician and lab fees can be astronomical.  It’s important to get and maintain an adequate Michigan health insurance policy  both in terms of health and financial security.

 To get a Michigan health insurance policy that’s not outrageously priced, yet still covers your anticipated and unexpected healthcare costs there are three steps you need to take. 1) Careful evaluation of you and your family’s health insurance needs. 2) Compare Michigan health insurance policy benefits with your needs.  Try to review at least three levels of coverage.  3) Your result will be a Michigan health insurance policy that’s not outrageously priced; yet still covers your anticipated and unexpected healthcare costs.

 Determine Your Needs

Whether you’re looking for an individual Michigan health insurance policy, or want to provide health insurance benefits for your employees, it’s a good idea to carefully evaluate your needs before committing to any Michigan health insurance policy. 

 For the individual, consider your overall health.  Do you have chronic conditions that require regular medical visits?  Are you on prescription medications on a continuous basis?  Either of these situations will make you want to compare co-pays and drug coverage carefully. 

 Depending on your age, and stage of family planning, pregnancy coverage, and preventative care could be a major concern.  If you’re nearing retirement age, getting supplemental coverage for impending Medicare benefits could be a major concern. 

 Everyone has his own special concerns and needs.  Before you visit an insurance agent, be sure to list your concerns and questions.  Don’t hesitate to ask questions until you’re confident you have enough information to make a confident decision as to which Michigan health insurance policy you need.

 Understanding Health Insurance Coverage-Basic Michigan Health Insurance Policy Terms

As you begin to compare each Michigan health insurance policy and the level of coverage provided make sure you understand clearly what the policy covers and what’s not covered.  You’ll also want to know levels of coverage.  Listed below are a few commonly used terms to describe Michigan health insurance policy benefits.  As you read these terms, understand this is a very generalized definitions, specifics of each term may vary from policy to policy.

 Co-Payment - Often stated as “co-pay”, co-payment   is the amount you must pay for each service. In managed care plans, you do not need to know the full fee charged by a provider, as you will pay the same "co-pay" regardless of the fee.

Co-Insurance - a policy provision, by which the insured person and the insurer share the covered losses under a policy in a specified ratio, i.e., 20 percent by the insured, and 80 percent by the insurer.

Comprehensive Major Medical Insurance - A policy designed to give the protection offered by both a basic and a major medical Michigan health insurance policy. Normally have a low deductible amount, a coinsurance feature, and high maximum benefits.

Deductible- the amount you as the policyholder must pay before benefits begins to cover costs.  Generally the higher the deductible, the lower the monthly premium will be.

 Endorsement- sometimes called a rider, an endorsement is written to change the terms of a Michigan health insurance policy.  This can occur with pre-existing conditions (see definition below)

 Major Medical Insurance -Health insurance to finance the expense of major illness and injury. Characterized by large benefit maximums ranging up to $250,000 or no limit, the insurance, above an initial deductible, reimburses the major part of all charges for hospital, doctor, private nurses, medical appliances, prescribed out-of-hospital treatment, drugs, and medicines. The insured person as coinsurer pays the remainder

 Out-of-Pocket Cost - The out of pocket cost is the total of all costs you must pay for service. This includes the annual deductible, the co-pay amount, and any fees in excess of the approved maximum charges for a service.

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5 Steps to Hiring a Remodeling Contractor

How to locate the right remodeling contractor for your project.  

Finding the right remodeling contractor doesn’t have to be time consuming, stressful, and difficult.  Following a few simple steps can help make the process much easier and you’ll feel confident you have made the right choice.

 The first step is to make sure you have your remodeling project information on paper and ready for review by the contractors you contact.  In order to make sure the quotes you get are for the same work and materials, you must make sure each contractor receives the exact same information.  This step is critical to making the best choice.  Even if you only have your remodeling project roughly sketched, make sure all contractors receive the same information. 

 The second step is to identify at least four potential remodeling contractors.  You can get referrals from friends and family who have had work done, search your local yellow pages, or use an online contractor referral site.  Obviously, getting a referral from trustworthy friends and family is the best option.  When that’s not possible, using an online referral site may be the next best option.  You’ll definitely find more information to evaluate than if you simply go to the yellow pages and starting making calls.

 Remodeling contractor

Next comes the third step. Once you have chosen the remodeling contractors you want to bid on your project, it’s time to begin tracking down referrals, doing face-to-face interviews, and making notes about each result.  At this stage, it is important to consider the level of communication you have with each contractor.  You don’t want to be going through the project with a contractor you feel doesn’t listen, answer questions properly, or doesn’t keep you informed.   Trust and open communication are critical to ensure you get the new living space you envision at the quality level you want.

The fourth step is to check referrals, visit completed projects, check licenses, and compare bid quotes.  Don’t omit actually checking all references provided by your potential remodeling contractors.  You can learn a lot from previous customers, and by viewing first-hand, completed projects.  

The fifth and final process is to review the bids.  Your surprise may come when you see that even though they all bid on the same project, the prices vary widely.  How is it possible?  Don’t hesitate to check each bid carefully, and ask questions until you find out why there is so much difference.  Some people mistakenly choose the lowest bidder based on expense.  Find out why the contractor is lower, and why another contractor is higher.  Choosing the lowest is not always the most cost efficient.  Remember experienced contractors may often increase labor and material estimates to offer more durability or convenience than other contractors are offering to provide.

Don’t hesitate to ask questions and evaluate until you are confident with the decision you make.  If there is hesitancy, probe further.  Taking the process of hiring a remodeling contractor step-by-step ensures you’ll be enjoying your new living spaces soon without regrets or problems.

For other related information about remodeling contractors

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Easy Skincare Protects your Skin from Fall’s Cool Breezy Days

 Quick and easy skincare tips keep your skin moist, supple, and radiant.

 As the days grow shorter and the thermometer dips, pamper your skin with these safe and easy natural skincare tips to keep your skin looking great. 

The cool breezy days of fall can quickly deplete the natural moisture of your skin.   Dry skin is a common problem for many during the fall and winter seasons.  Just include these quick tips into your daily regimen and your skin will stay moist and beautiful all year. 

 Tip # 1.  During the summer months, your body naturally produces more oils, helping to keep your skin moist and glowing.  Now that fall’s here your body’s not producing the same amount of it’s own moisturizers as during the summer months.  That can mean excess dry, dead skin.  Instead of using soap in the mornings, try using a mild exfoliant.  There are many different varieties of these cleansers, so be sure to match your preference with your skin type.  Using a mild exfoliant designed for daily care won’t harm your skin and it will help keep that beautiful glow to your skin.  

 Tip #2.  Next, be sure your skin maintains it’s proper pH.  A toner will do the trick.  By applying toner, you’ll be sure to remove any residue of the cleanser you’ve just used and will assure your skin’s pH balance is at the proper level. 

 Tip #3.  Even if your skin type is oily, you still need moisture.  All skin types can become dehydrated.  Be sure to give your skin lots of moisture especially during the fall and winter.   Remember to apply moisturizers both in the morning and at night.   By beginning a fall regime you skin will be in great shape to handle the bitter cold winds of winter.  You’ll look great on the slopes.

 Tip # 4.  Always make sure you cleanse and moisturize your skin before bed.  The environment has taken its toll during the day and there can be residues on your skin you wouldn’t imagine.  This makes a perfect setup for breakouts.  Plus, by applying a good moisturizer before bed, your skin has plenty of uninterrupted time to absorb and benefit from the extra moisture. 

It’s a good idea to choose more concentrated formulas for fall skin care.  The elements, pollution, wind, and dry indoor heat can really dry and damage your skin.  So, be sure to cleanse and moisturize for the season. Your skin will be radiant and healthy.   

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