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Health & Beauty

5 Ways To Save Money At The Hair Salon

Keeping your hair both maintained and looking good can be a serious investment. Getting your hair professionally cut, shaped, blow-dried, dyed, highlighted and permed at a hair salon can be incredibly expensive. Some people who have their hair dyed professionally can end up spending hundreds of dollars every month. This can seriously start to add up, especially if you have to make monthly trips to your stylist. You might want the newest celebrity hair-do, but what most people don’t realize is that these celebs have an around the clock team, which most of us don’t have the resources for.

Here are 5 ways to save money at the hair salon:

Take care of your hair. One of the best ways to make a haircut last is to make sure your hair is healthy and well conditioned. Most people don’t take the time to condition their hair a few days a week after a visit to a professional stylist, which can lead to many more visits to the hair salon. It is recommended that after you go to the stylist that you make sure to pick up a top of the line conditioner, which can maintain the health and styling of your hair for much longer.

Get a cut that works for your specific hair type. Most people rip out pages from the latest celebrity gossip magazine hoping to recreate a hairstyle they like on one of their favorite actresses or recording artists. However, everyone’s hair is vastly different and it can be expensive to recreate someone else’s hairstyle, because of all the maintenance that is involved. It is best to find the right cut and style that works for your particular hair type.

May 8, 2013

Health & Beauty

5 Ways To Save Money On Dental Care

Dental care is extremely important, but many people today have trouble finding ways to pay for the care that they need. This is especially true for those who don’t receive dental coverage under employee health insurance plans. If you feel like you’re grasping at straws, don’t grind your teeth out of stress any longer. There are plenty of ways to save money on dental care; you just need to know where to look.

Prevent Problems From Arising
Far and away, the best way to save money on dental care is to reduce your need of it in the first place. If you can keep your teeth healthy and free of issues, a periodic cleaning and check-up is all you’ll need for most of your life. Brush and flush regularly, and always be sure to do a thorough job. Avoid foods that can stain or degrade your teeth, and try to fight the buildup of plaque as much as possible.

Ask About Alternative Treatments
As the saying goes, there is more than one way to skin a cat. There are also several options available for treating most dental problems. Before committing to any treatment plan or procedure, ask your dentist about alternative treatment options. Some amount of dental work will be necessary for many of the problems that may arise in your teeth, but you can minimize your costs if you know your options. A removable partial denture, for example, will be much more affordable than a permanent fixed tooth replacement. Or, a procedure such as Invisalign teeth straightening may be just what you need to give you a nice smile. Discuss options like these with your dentist to find a plan that works for you.

April 1, 2013

Health & Beauty

Is Addiction Treatment Worth The Cost?

Addiction is a serious problem that affects people all over the world today. No country, class, or ethnic group is immune to the effects of addiction. This is a problem that hurts not only the addicted, but their immediate families and entire countries. A staggering amount of money is spent on incarcerating individuals for drug-related crimes, and this rarely does much to help the underlying problems. These people are in need of legitimate treatment, and while there are many options available, many are skeptical as to whether certain treatments are really worth the cost.

Treatment for drug addiction can be very expensive. Many of the currently available treatment programs are in-patient residential stays that give addicts a chance to break free from their addictions in a positive and encouraging environment. This system, though positive and often productive, can be very expensive. Some treatment centers have tried to cut costs by shortening the lengths of their programs. Some centers, for example, offer a 10 day program at a cost of $15,000. That cost is easily offset by the changes that occur when an individual kicks addiction. Other treatment centers have found a way to offer outpatient drug rehab for those who have both finished an inpatient treatment program and are now looking for some support, or for those whose addiction is perhaps a little less severe, so they may not benefit from inpatient treatment the way someone who is heavily addicted would.

March 26, 2013

Health & Beauty

How To Select The Right Disability Insurance

You might think that businesses are the only ones that need to worry about selecting disability insurance (for workers that are injured on the job, for example). In fact, many people don’t even know that they can get a personal disability policy to help them pay for medical expenses and bills should they suffer an accident, injury, or illness that leaves them unable to work. But suppose you fall off a ladder while cleaning out your rain gutters, or you develop cancer and you can’t work while undergoing treatments. Your health insurance should cover medical bills, and workman’s compensation may kick in to deliver a portion of your salary (if the disability is work-related). But if it doesn’t you’ll be left with no income at all. And since most people rely on their paycheck to cover the monthly bills, this could leave you in a terrible pickle. So now you realize the importance of this form of insurance. But how can you find the policy that’s best for you?

It’s important to select the right policy when it comes to disability coverage. If you’re a safe driver you might save some money by opting for liability coverage only. Or if your home is in an area that rarely suffers natural disasters you may not feel the need to spring for additional coverage for flooding, earthquakes, or tornadoes, for example. But a disability policy is meant to cover you, or more to the point, your earning potential. Your bills won’t stop coming just because you can’t work, and if you want to continue to pay for your home, your car, utilities, food, and other insurance policies, you need to have a plan in place that will give you the money you would otherwise be earning through a job. So you can’t take the selection process lightly.

March 14, 2013

Health & Beauty

5 Common Services That Are Declined By Health Insurers

Considering how much you shell out for health insurance, you’d expect your provider to cover any services that fall under the mantle of medical care. And yet, there are all kinds of common procedures that your health insurance will decline when billed. Some of them will not come as much of a shock, but others may leave you scratching your head and wondering if the people who created the policies have any common sense. Here are just a few you’ll want to watch out for.

Annual physical. Coverage for preventive care seems like a no brainer, but you’d be surprised how many insurance companies deny payment for annual physicals. This basic checkup gives patients the opportunity to see how they’re doing and learn what they need to change in order to achieve better health. From an insurance standpoint, this means a reduced likelihood of expensive medical bills down the road for easily preventable health issues. Unfortunately, the insurance companies seem to view the annual physical as an unnecessary expense, and many do not include it in their policies.

Elective procedures. Any time you opt to undergo a procedure that the insurance company deems as unnecessary to preserving your ongoing health, you’re bound to see the claim denied. This generally includes any kind of cosmetic procedure, whether you want laser hair removal, a tummy tuck, a brow lift, or a gender reassignment surgery, just for example. Interestingly, there are some cases in which cosmetic treatments will be covered. Say you have excess skin on your eyelids that makes it hard for you to see. Your insurance company may cover the cosmetic procedure required to remove it. So long as there is a medical reason for having a procedure that would normally be deemed “elective” you might be able to obtain the coverage you seek. Otherwise you’re out of luck.

March 14, 2013

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