Health and Wellness 101

A vast difference exists between the words health and wellness. While most people consider these words to convey similar meanings, their definitions vary considerably. Health, according to the Merriam-Webster dictionary, is defined as, “the condition of being sound in body, mind, or spirit; especially freedom from physical disease or pain.” More simply put, health is a conditional state. A person can be in good health or bad health, based on their physical and emotional symptoms. As well, a person can alter the condition of their health by changing their habits for better or for worse. For example, if a person is considered unhealthy due to a weight problem or high blood pressure, they can start exercising, eating a healthy diet, and changing poor lifestyle habits. If this person eventually loses weight and lowers their blood pressure, the doctor may declare that they are now in good health. However, the term health is conditional. This person can easily slip back into a state of unhealthiness by returning to the habits that got them there in the first place.On the other hand wellness is defined as, “the quality or state of being in good health, especially as an actively sought goal.” Wellness, unlike health which is conditional, is a continuous state of optimal health that is maintained through persistent effort. If health and wellness were designated as running terms, health would be a sprint and wellness a marathon. Wellness, like health, does account for the physical, emotional, and spiritual state of a person. However, wellness primarily refers to a person’s continual effort to strive for peak performance and overall well-being in the physical, emotional, and spiritual realms.It is for this reason that corporate wellness plans are essential to a company’s long-term success. Workplace health programs do not just promote employee health, but also stress the importance of wellness-a continuous state of health and well-being. The benefits of long-term employee health for a company include less payment towards health plans, happier workers, and higher production rates. While it may seem to be common knowledge, a person who is physically healthy and emotionally stable will perform at higher levels than an employee who is dissatisfied with his or her overall health. This does not just benefit a company while the program is in place, but long after as a result of its employees profiting from a healthy lifestyle. A wellness lifestyle encompasses more than a person’s physical state. Emotional and spiritual health is also taken into consideration. Now, the importance of good employee health should not be downplayed. It is extremely important to encourage all employees within a company to endeavor to reach a healthier state. However, striving for good health should not end once a person reaches their desired health goals. A journey towards wellness is what constitutes effective corporate wellness plans.Sources:

10 Tips That Will Help Save On Auto Insurance

Very often we land up spending more on insurance policies than on ourselves. Many insurance policies like life, health, home, and auto insurance are not just essential but mandatory. Auto insurance alone can set you back by several hundred dollars every year.How much the premium on auto insurance will cost really depend on many factors like: your age, driving record, where you live, the risk factors, and the make and age of your car. If you are style conscious and choose a powerful car in the latest model then you will certainly have to pay higher insurance. And, as you know having no auto insurance coverage is not an option. And, if you do not have adequate coverage and when good luck is not on your side, you could land in deep financial mess if you were to be involved in an auto accident or theft of the car for no fault of yours.So stop thinking of cancelling your auto insurance comprehensive coverage and find ways in which you can have the same extensive coverage for lower costs. You can reduce auto insurance premiums by:1. Making the time to shop around. Do the exercise well before the auto insurance comes up for renewal. Auto insurance premiums vary from company to company and between online payments and payments at offices or by mail. So, comparison shop and find an insurance policy that offers a great bouquet of coverage for less than what you are presently forking out for auto insurance. Shop online and use the tools for getting comparative quotes from different providers.2. Thinking about increasing your deductible. Paying a higher deductible always lowers the premiums payable on auto insurance. Check your finances to see how much of a larger deductible is possible without pinching your pocket.3. Maintaining a good credit score and report these always get you a better deal with auto insurance companies. A good credit report means that your risk is lower than others so insurance companies will gladly offer you better rates to cover your vehicle.4. Being eco-friendly and driving an eco-friendly car then you will be eligible for a great deal from the auto insurance company. Many companies have special discount schemes on auto insurance for clients who care for the environment.5. Keeping your mileage low if you driver lowers than say 7500 miles a year you will qualify for a low-mileage discount. Qualify for this discount on your auto insurance premium by car pooling, walking instead of driving to close by locations, and using public transport.6. Not using your personal vehicle for business related travel. Vehicles used for work related driving attract higher auto insurance coverage than vehicles meant for personal use.7. Considering a policy that covers all the vehicles the family owns. A group auto policy means much lower premiums than covering each car owned by the family separately.8. Finding out if your organization or memberships to clubs or other professional organizations, makes you eligible for a discount on an auto insurance policy. For example most companies offer discounts on premiums to cover vehicles owned by members of AAA.9. Maintaining an error free driving record for three years you will become automatically eligible for a discount on premiums payable. No accidents, drunk driving convictions, moving violations, or break downs means great savings on premiums payable on auto insurance. When you have a clean driving record it means your risk is lowered greatly.10. Considering taking an auto insurance policy from the same provider who has extended life, home, and health policies for your family. When a company knows you well they are more than willing to offer you auto insurance at lower than market rate.Other ways of reducing payment for auto insurance are: to live away from the city in a community that has less traffic, lower accident rates, and lower crime rates and to buy a low risk car. Sports and other high-performance vehicles are considered high risk by insurance companies and attract higher insurance premiums than a station wagon, sedan, or compact car.Lower insurance payments on your car by following the recommendations of the road traffic police and insurance companies. For example installation of anti-theft devices, air bags, seat belts, and anti-lock brakes will make you eligible for great discounts on insurance premiums.So, instead of moaning and groaning about high premiums reduce your auto insurance premiums by following the recommendations given above and constantly staying abreast of new developments in the auto insurance sector.

Century 21 Real Estate – Tips For Buying Bank Owned Foreclosures From Realtors

Century 21 Real Estate is a worldwide organization offering residential and commercial real estate. Century 21 Realtors are independent agents who either own a franchise office or work as a representative for the franchise owner. With the abundance of foreclosure properties, many Century 21 Realtors now specialize in bank owned foreclosure properties. This type of real estate transaction requires specific knowledge and skills in order to produce successful transactions.Many Century 21 Real Estate websites publish bank owned foreclosures directly on their website. Details of distressed properties include property location, square footage, amenities, asking price and the name of the agent in charge of the foreclosed property.There is considerable difference between bank-owned foreclosures and foreclosure properties sold through auctions. Bank foreclosures are oftentimes referred to as real estate owned (REO) properties. When properties are not sold through foreclosure auctions they are returned to the bank. When the bank takes possession of the property, the mortgage note becomes void and the bank can sell the property for the price they desire.Foreclosure properties sold at auction are notorious for having creditor and tax liens attached to them. When individuals purchase auction foreclosures they are responsible for paying off these liens before they can take possession of the property. However, when the bank takes possession of the property, they negotiate with involved parties to have the liens removed or reduced.Another common issue with purchasing foreclosure homes through auctions is the buyer will be responsible for evicting individuals still residing in the home. When buying bank owned foreclosures, the bank initiates eviction proceedings and the previous owner (or tenants) will be evicted before the property is placed on the market. Therefore, bank owned foreclosure properties are generally less stressful to deal with.Buyers interested in purchasing bank foreclosures listed through Century 21 Realtors are required to adhere to certain financial arrangements. Typically, the buyer is required to obtain pre-approved financing and provide proof of funds at the time of their initial offer.Many real estate owned foreclosures sold through Century 21 Real Estate are sold “as-is.” The buyer has the right to obtain a professional real estate appraisal prior to closing the deal. Should the appraisal expose significant problems with the property, the buyer will be given the opportunity to renegotiate their offer.Two noteworthy benefits of purchasing bank owned foreclosure properties through Century 21 Real Estate include the properties are free of liens and no buyer premiums or commissions are paid by the buyer.Many Century 21 real estate agents specialize in working with private real estate investors interested in purchasing distressed bank owned real estate. Other Century 21 Realtors specialize in working with banks and asset companies who have multiple foreclosure properties for sale.Additionally, several Century 21 real estate agents offer numerous real estate services including listing and selling bank-owned properties, maintenance and security of distressed properties, eviction proceedings, interior and exterior clean-up, and maintaining utilities while the property is up for sale.Bank owned foreclosures are nearly always sold close to market value. If multiple repairs and renovations are required, REO properties can end up costing more money than they are worth. Therefore, it’s crucial to conduct due diligence and ensure the property is a wise investment.When investing in bank owned real estate, keep in mind many people will need to be compensated for their time. The bank wants to recoup their investment price and the Century 21 real estate agent needs to be compensated for their efforts.One way to avoid the middleman is to seek out private real estate investors who purchase bank portfolios. By buying in bulk, investors can purchase distressed properties at wholesale prices and pass their savings along to you. It’s not uncommon to purchase bank foreclosures from private investors for as low as seventy cents on the dollar.