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Arizona small businesses are feeling the crunch of the current economy and our national health care crisis. Many employers are unable to help their employees with a company health plan because of the soaring costs. This creates its own economic crisis because, without a viable benefit package, recruiting and retention creates a personnel problem. How can a small business create a benefit package on a shoe string budget?

Recent changes in Arizona law have created the opportunity for small business owners to offer a full blown benefit package to their employees without having to contribute financially.

The problem with group coverage is that it has become very expensive or even prohibitive for the average small business owner. They want to help their employees, but can they keep their doors open and take care of their employees' health care needs at the same time? The answer seems to be no for about 40 percent of Arizona residents whose employer does not offer any health plan at all.

Another big problem with traditional group health plans is portability. Because group plans are not portable, when an employee leaves a company they can not take the plan with them. They can opt to go on COBRA when they leave but for anyone one who has had the misfortune of accepting this coverage it is hugely expensive and ends in only 18 months.

Additionally, managing a traditional group health insurance plan is time consuming for the small business owners. Not only do they have the burden of their portion of the premium, they must become their own benefits coordinator or at an additional expense, hire an H.R. person.

The answer to these and many other group insurance problems is voluntary benefits.

Voluntary benefits are a total paradigm shift in the human resource equation. A total voluntary benefits package lifts the financial and management burden from the employer.

All the owner is required to do is to payroll deduct the insurance premium of the employee each month and remit one consolidated payment to the insurance company.

The employee still enjoys the benefits of the coverage and the advantage of payroll deduction. The insurance agent becomes the benefits coordinator and assists both the employees and the employer with their respective health benefits needs.

It is a solution for those small businesses that can not offer benefits to their employees because the costs are prohibitive.

Paul has been specializing in affordable Arizona Health Life & Long Term Care insurance for his Arizona clients since 1991. For more information please visit my blog at http://azhealthnow.blogspot.com

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The heart is a powerful organ that works constantly, without ever pausing to rest. Stopping to function for a few seconds means disaster. Cardiovascular diseases are the first cause of death in developed countries. Each year 1.5 million people suffer a heart attack; 250,000 will die as a result before they reach a hospital. In the United States alone, heart disease kills one person every 34 seconds. Any symptoms of heart disease you that feel you should take it seriously.

Cardiovascular diseases are mainly caused by the environment, age, gender, lifestyle, stress, tobacco and unbalanced diet.

Age - The incidence and risk of heart disease increases as we grow older.
Family - Some people are particularly predisposed towards developing heart disease due to inherited genetic factors

Gender- Men have more heart attacks than women, but women have a higher death rate.

Lifestyle - Choosing a healthy lifestyle by exercising regularly can help you improve your health and reduce your risk of heart disease and diabetes

Stress - stress makes your blood pressure goes up, which can cause heart disease and other health
problems. Besides heart disease, stress affects the immune system, which influences many diseases.

Tobacco - besides cancer, cigarette smoke is the leading cause of heart disease. Three out of four deaths from heart disease are due to smoking

Alimentation - A good diet high in soluble fiber may lower your risk of heart disease. Several cardiovascular risk factors are heavily influenced by nutrition:

cholesterol and especially the bad (LDL) cholesterol
triglycerides (fats are as harmful as cholesterol when it comes to cardiovascular disease)
homocysteine (risk factor independent of cholesterol and hypertension) which increases 3 times the risk of coronary heart disease.
fast and slow carbohydrates that release insulin, which in turn, promotes the formation of cholesterol and fats

Let's talk a little bit about cholesterol. Cholesterol is a waxy, fat-like substance that occurs naturally in all parts of the body. To work properly, your body needs some cholesterol. The problem occurs when you have too much in your blood. Excess cholesterol in the bloodstream adheres to the interior walls of arteries; this is called plaque. In return, Plaque can narrow or block your arteries. Too much cholesterol is very common among men but also among women.

Very often, when a patient has high cholesterol, he is prescribed drugs (generic Simvastatin, pravastatin Atorvastatin). They are indeed very effective, but sometimes cause muscular side effects. Moreover, once the treatment is interrupted, cholesterol is back quickly because the problem is not resolved.

Supplements to prevent cardiovascular disease

The strongest prevention against cardiovascular disease is a healthy diet that is rich in fruits and vegetables and low in saturated fat, cholesterol, meat, and sugar. Supplements you need to intake in your diet are B-vitamins, magnesium, Omega-3 fatty acids, garlic, potassium, calcium, agnesium, and Coenzyme Q10.

Alternative treatment

Many alternative treatments can restore and keep your heart healthy. One of them, Chelation therapy, is considered as the alternative equivalent of heart surgery. To learn more about Natural alternative for heart disease including heart nutrition, heart supplements, and herbal remedies to reduce heart attack risk, Visit our heart disease cure website.

Raphaelo is a nutritionist who strongly believes in natural healing and disease prevention. He loves to share his own personal beneficial experience with natural remedies to others. To learn more about natural herbal remedies to reduce heart attack risk and lower high blood pressure, visit his heart disease cure website.

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Shopping online and selecting the right combined home insurance policy is imperative as they cost of protecting your home varies greatly depending on the provider you choose as well as the type of policy.

So, what does home insurance actually do? There are two elements to this insurance - contents insurance; and buildings cover. A contents policy is valuable when it comes to damage or loss of belongings in the home while buildings cover would protect the outer of your property including the shell and often the surrounding area which can include sheds, swimming pools and garden fencing.

Both forms of home policy allow you peace of mind that you would at least not be struggling financially for repair costs or to replace items in the event of something unforeseen.

With cover for the shell of your home and a policy for the contents you would have peace of mind if damage occurred through fire, subsidence, flood, theft or any of the criteria set out in the policy's terms and conditions, you would be financially protected.

An online home insurance policy specialist will search for some of the lowest premiums for combined home insurance and you are then able to go through the quotes and find the best deal for your circumstances by comparing the policy features and benefits.

The amount you pay in premiums will be decided by how much you choose to protect your contents for. So always be careful to come to the correct figure so that you are not paying over the odds for your policy. Include everything from clothing to furnishings - even CD's. By the same token, do not under insure - you will not get the full value of any damaged goods if you have quoted an incorrect sum insured.

When thinking about to make savings on the cost of your home insurance policy you should always shop around for a better deal each year and never just be tempted to renew your policy or policies.

The excess is another way you can keep down the cost of your policy cover. By offering to pay a voluntary excess on top of the standard excess, you will often be offered lower premiums; however you have to remember that you would have to find the money for the excess out of your own pocket if you make a claim.

To make more savings on your policy then consider fitting alarms and locks to doors and windows. Also consider fitting a burglar alarm or a surveillance camera to ward off intruders. Some insurers will reward those homeowners who have lessened the risk of a break in with lower premiums.

The terms and conditions, including the small print might be boring but you do have to take your time to look them over. If not then you could be under the impression you have cover for something when you do not and would not be eligible to claim.

Combined home insurance to protect both the contents and the structure of the property can be found for cheaper with some providers when taken out together as a package, so always investigate all your options.

David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to providing their clients with the best insurance deal on their home insurance, car and life insurance.

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Ohio has slipped a bit in the ranking of the health of its residents. In 2007 Ohio was the 29th healthiest state in which to live, but it fell slightly from 2006 when it was the 24th healthiest state. Based on 20 different criteria, Ohio made it to the top ten only in one category. Ohio is 8th in the nation for the percentage of citizens that are covered by health insurance.

Other areas where Ohio shines include a high percentage of women receiving prenatal care, a solid high school graduation rate, a significant decrease in the rate of infectious disease, and a drop in the death rate from cardiovascular disease.

All these great strides and still a fall in the overall rankings, means Ohio still struggles in some areas. Ohio ranks 43rd for cancer deaths, 43rd for obesity, 41st for infant mortality rates, and 40th in the nation for preventable hospitalizations.

Weight gain is an epidemic nationwide with Ohio at the forefront. In 1990 the obesity rate was 11% amongst Ohio residents. By 2000 the obesity rate had almost doubled to over 20% of Ohio's population. The current number of obese Ohio citizens is over 28 percent.

Other health challenges for Ohio include the high rate of cancer deaths, and the fact that 22 percent of the population are smokers.

With these challenges for Ohio residents it is important that if to be covered by health insurance. If you live in Ohio, you can find an online health insurance quote provider for your health insurance. These services are usually free and may also offer the backup of experienced health insurance Advisors to help you make sense of the options for you as an individual or for family health insurance.

Lorne Zalesin joined MyInsuranceExpert.com following a successful career in residential building and real estate sales. A self-proclaimed "serial entrepreneur", Zalesin is a licensed residential builder, licensed residential real estate broker, and licensed in life insurance and health insurance. Zalesin earned a Bachelor of Arts and a Master's in Business Administration, from The University of Michigan, and is also a graduate of the William Davidson Business Institute and Massachusetts Institute of Technology's (MIT) "Birthing of Giants," an elite educational program focused on successful leadership practices and unique growth strategies for entrepreneurs.

Talk with an Experienced Health Insurance Advisor at http://www.MyInsuranceExpert.com Affordable health insurance options are out there for you and your family.

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There are literally hundreds of auto insurance companies out there, so how do you find the one that is right for you? Following the tips below should help you in your quest.

Compare rates from at least five companies.
With most of us the prime consideration is price, so start off by comparing the rates from at least five different auto insurance companies. Rates do widely vary within companies even for the same coverage. Thanks to the internet, this has never been easier, with many websites offering instant quotes with comparisons. By completing one simple form, you can compare the rates of multiple auto insurance companies effortlessly instead of the tedious business of contacting them individually. But don't just rely on price comparisons alone.

Check out the strength and reliability of each company
Ok, you've found a great quote, but is it as good as it appears? Don't forget, price is not everything. There is no point in going for the cheapest quote if the quoting auto insurance company has a bad record when it comes to paying claims. How can you find out whether or not an auto insurance is stable? Once again the Internet makes researching into the reliability of a company fairly easy. There are many sites that offer ratings for auto insurance companies. The ratings given range from the length of time it takes to settle claims to general customer satisfaction.

Customer Service and Claims Assistance
Customer service is another important factor to take into account when deciding upon which auto insurance quote to accept. Give the company a ring or send them an email asking a simple question such as "Will I get a discount if I insure more than one vehicle with your company?" The promptness and tone of their response will give you some idea on their level of customer service. Claims assistance is equally important. Check with your state's Department of Insurance to get a claims complaint history. If the company you are researching has a long list of claims complaints then avoid it like the plague.

Make sure the company offers the cover and options that you need
Before you start searching for auto insurance quotes, you should have made a list of the coverage and options you need. Compare this list with the quotes that you receive. Does the company offer collision coverage and is it included or optional? Does the quote cover the minimum auto insurance requirements for your state? As obtaining quotes via the Internet is quick and obligation free you can easily try many variations of cover and options until you find the quote you feel is right for you.

To learn more about auto insurance visit - http://www.AutoInsuranceQueries.com where you will find all you need to know about cheap California auto insurance and much more.

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