Qaisar Original Whatsapp Number Muscat Oman Girl

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Qaisar Original Whatsapp Number Muscat Oman Girl

Hi guys I am Qaiser Javeri from Muscat Oman. I am beautiful young girl of with smart figure and attractive face complexion. I am doing masters in Accounts and looking forward to get the job in multinational company here in Muscat and to earn more money I am also searching for online earning program or job.
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 Watch Movies 

My hobbies are creating different designs, Playing games and shopping. Though I am also architect designer and want to make this field professional. I am still single and here to find a dating partner who should be smart, good looking and caring. I am sharing my original whatsapp number for dating and friendship.

Rose Johan 23 Years Old Single watch profile online dating girl

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    • Disability insurance policies provide financial support in the event of the policyholder becoming unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgage loans and credit cards. Short-term and long-term disability policies are available to individuals, but considering the expense, long-term policies are generally obtained only by those with at least six-figure incomes, such as doctors, lawyers, etc. Short-term disability insurance covers a person for a period typically up to six months, paying a stipend each month to cover medical bills and other necessities.
    • Long-term disability insurance covers an individual's expenses for the long term, up until such time as they are considered permanently disabled and thereafter. Insurance companies will often try to encourage the person back into employment in preference to and before declaring them unable to work at all and therefore totally disabled.
    • Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
    • Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
    • Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury.


    Farizah Kouri 23 Years Old Iraq online Dating Girl

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    Farizah Kouri From Baghdad Iraq Original Profile For Dating Online

    I am Farizah Kouri from Baghdad Iraq. I have completed my graduations and now moving toward master degree. I am interested in fashion designer and want to make my career in this field. I am still single and looking for a dashing young boy for dating and friendship. I am sharing my original Whatsapp number with complete dating profile and contact.

    http://goo.gl/HrE1Jo

    First Name: Farizah
    Last Name: Kouri
    Education: M.A
    Gender: Female
    Religion: Islam
    Marital Status: Single
    Language: Arabic,Persian,English
    Whatsapp Number: +968-358272552
    Hobbies: Study,Photography,Music,Watching TV
    Occupation: Student
    Town: Baghdad
    City/State: Baghdad
    Country: Iraq

    Inayah from Dubai Abu Dhabi Single Online Dating Girl

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    Inayah from Dubai Abu Dhabi Girl Whatsapp Number for Dating

    I am Inayah Soud 24 years from United Arab Emirates Abu Dhabi. I have completed my graduations and now moving toward master degree. I am interested in fashion designer and want to make my career in this field. I am still single and looking for a dashing young boy for dating and friendship. I am sharing my original Whatsapp number with complete dating profile and contact.

    http://goo.gl/8Yq6b5

    Dating Profile
    First Name: Inayah
    Last Name: Soud
    Education: Bachelor
    Gender: Female
    Religion: Islam
    Marital Status: Single
    Language: Arabic Persian
    Whatsapp Number: +99213768829
    Hobbies: Fashion,Modeling,Driving,Chatting,Shopping
    Occupation: Fashion Designer
    Town: Abu Dhabi
    City/State: Abu Dhabi
    Country: Dubai

    Razia Khan 24 Years Old Single Online Dating Girl



    Razia Khan WhatsApp Number For Friendship

    Hi friends, I am Razia Khan from Peshawar Pakistan. I am university student and here to find a dating partner as I am stil single and looking for a handsome and good looking guy for me. I am sharing my real Whatsapp number and dating profile ,
    I Like Book Reading , Internet useing , Fb , whatsapp , Viber, etc,
    Specialist  in  Cooking , Playing Cricket , tennis Running Jumping
    http://goo.gl/0IlEaz


    First Name: Razia
    Last Name: Khan
    Education: Intermediate
    Gender: Female
    Religion: Islam
    Marital Status: Single
    Language: Urdu,English
    WhatsApp Number: 03150030516
    Hobbies: Fashion,Art Drawing,Chatting for Dating
    Occupation: Student
    Town: Peshawar


    Naina Desilva & U.S. insurance companies Collecting Details

    http://goo.gl/lqhMgX
    Naina Selfie Online Dating Girl Click on Photo And see her Profile


    You want all the insurance companies of the USA? Here it is. An entire list of all the insurance companies in the United States. Ranging from the best to the worst. In the coming days we will be writing about each insurance company in this list. Stay tuned!

    This Is All My Search and i am going to share with you,,
    Hope it will be helpful for you ,

    U.S. insurance companies
        21st Century Insurance
        AccuQuote
        Aflac
        Alleghany Corporation
        Allied Insurance
        Allstate
        American Automobile Association
        American Family Insurance
        American Income Life Insurance Company
        American International Group (AIG)
        American National Insurance Company
        Americo Financial Life and Annuity Insurance Company
    http://goo.gl/lqhMgX

        Ameritas
        Amica Mutual Insurance
        Aon Corporation
        Assurant
        Assurity
        Auto-Owners Insurance
        AXA Equitable Life Insurance Company
        Bankers Life and Casualty Company
        Berkshire Hathaway
        California Casualty
        Capital Insurance Group
        Cincinnati Insurance Company
        CNA Financial
        Colonial Life & Accident Insurance Company
        Commerce Insurance Group
        Conseco
        Country Financial
        Chartis
        Chubb Corp.
        Encompass Insurance Company
        Equitable Life & Casualty Insurance Company
        Erie Insurance Group
        Esurance
        Everest Re Group
        Evergreen USA RRG
        Farmers Insurance Group
        Federated Mutual Insurance Company
        GAINSCO
        GEICO
        General Re
        Genworth Financial
        GMAC Insurance

        Guardian Life Insurance Company of America
        Hanover Insurance
        The Hartford
        HCC Insurance Holdings
        Hereford Insurance Company
        Hiscox Insurance Company Inc
        Infinity Property & Casualty Corporation
        Insurance Company of the West (ICW Group)
        International Fidelity Insurance Company
        Illinois Mutual
        Iroquois Group Inc.
        Jackson National Life
        John Hancock Insurance
        Kemper Insurance
        K&K Insurance
        Knights of Columbus
        La Playa Insurance
        lgap Insurance
        Knights of Columbus Insurance
        Liberty Mutual
        Lincoln National Corporation
        Markel Corporation
        MassMutual Financial Group
        Merchants Insurance Group
        Mercury Insurance Group
        MetLife
        Mutual of America
        Mutual of Omaha
        Nationwide Mutual Insurance Company
        New Jersey Manufacturers Insurance Company
        New York Life Insurance Company
        Northwestern Mutual
        Ohio National
        OneBeacon
        Oxford Health Plans
        Orange County Insurance Agency
        Pacific Life
        PEMCO
        Penn Mutual
        Primerica
        Principal Financial Group
        Progressive
        Protective Life
        Prudential Financial
        The Regence Group
        Reliance Insurance Company
        Response Insurance
        RLI Corp.
        Safe Auto Insurance Company
        Safeco
        Safeway Insurance Group
        Sentry Insurance
        Selective Insurance
        Seven Corners Inc
        Shelter Insurance
        Southern Aid and Insurance Company
        Standard Insurance Company
        State Farm Insurance
        Symetra
        Tri-State Consumer Insurance Company
        TIAA-CREF
        The Travelers Companies
        Uniguard - Headquarter in greater Seattle area
        United Auto Insurance Company
        Unitrin Direct Auto Insurance
        Unum
        Vantislife Insurance Company
        USAA
        Wawanesa Insurance USA (CA and OR)
        West Coast Life
        Western Mutual Insurance Group
        Western & Southern Financial Group
        Westfield Insurance
        Western Reserve Life Insurance Company
        White Mountains Insurance Group


    Annuity

        Allstate
        American Family Insurance
        American Fidelity Assurance
        Amica Mutual Insurance
        Aviva
        AXA Equitable Life Insurance Company
        Bankers Life and Casualty
        Conseco
        Farmers Insurance Group
        Fidelity
        Genworth Financial
        ING Group
        Jackson National Life
        John Hancock Insurance
        Lincoln National Corporation
        MetLife
        Mutual of Omaha
        Nationwide Mutual Insurance Company
        Old Mutual
        Pacific Life
        Protective Life
        Prudential Financial
        Standard Insurance Company
        State Farm Insurance
        Thrivent Financial for Lutherans
        TIAA-CREF
        Transamerica Corporation
        UNIFI Companies
        United of Omaha
        Western & Southern Financial Group


    Health insurance (major medical insurance)

        Roseville Insurance
        AARP
        Aetna
        American Family Insurance
        American National Insurance Company
        Amerigroup
        Anthem Blue Cross and Blue Shield
        Assurant
        Blue Cross and Blue Shield Association
        Celtic Insurance Company, subsidiary of Centene Corporation
        Centene Corporation
        Cigna
        Coventry Health Care
        EmblemHealth
        Fortis
        Golden Rule Insurance Company
        Group Health Cooperative
        GHI
        Health Net
        HealthMarkets
        HealthSpring
        Highmark
        Humana
        Independence Blue Cross
        Kaiser Permanente
        LifeWise Health Plan of Oregon
        Medical Mutual of Ohio
        Molina Healthcare
        Premera Blue Cross
        Principal Financial Group
        The Regence Group
        Shelter Insurance
        Thrivent Financial for Lutherans
        UnitedHealth Group
        Unitrin
        Universal American Corporation
        WellCare Health Plans
        WellPoint


    Medicare

        Aetna
        American Family Insurance
        Bankers Life and Casualty
        Conseco
        Mutual of Omaha
        Premera Blue Cross
        Thrivent Financial for Lutherans
        Kaiser Permanente


    Supplemental insurance

        Aflac
        Allstate
        American Fidelity Assurance
        Colonial Life & Accident Insurance Company
        Conseco
        Liberty National Life Insurance Company
        Mutual of Omaha


    Supplemental health insurance

        Family Heritage
        Aflac
        Allstate
        MEGA Life and Health Insurance
        State Farm Insurance
        AARP


    Travel insurance

        Access America, a brand of Mondial Assistance Group
        International Medical Group
        Seven Corners, Inc.
        Travel Guard
        Usa-Assist Worldwide Protection
        Aeromedevac
        Missionary Travel Association
        MediMundi Travel Directory


    Workers' compensation
    Assist Card

        Accident Fund
        American International Group (AIG)
        CompWest
        Erie Insurance Group
        Hanover Insurance
        The Hartford
        Liberty Mutual
        Merchants Insurance Group
        Missouri Employers Mutual
        Nationwide Mutual Insurance Company
        Penn National Insurance
        Sentry Insurance
        State Accident Insurance Fund
        State Compensation Insurance Fund
        State Farm Insurance
        Third Coast Underwriters (3CU)
        United Heartland
        WellPoint
        Zenith Insurance Company
    via insurancea2z

    Iesha Assaf Age 24 Single From Muscat Oman Online dating Girl

    http://goo.gl/l9jbfC

    Iesha Assaf From Muscat Oman Whatsapp Number For Life Time Partner

    I am Iesha Assaf from Muscat Oman. I have completed my graduations and now moving toward master degree. I am interested in fashion designer and want to make my career in this field. I am still single and looking for a dashing young boy for dating and friendship. I am sharing my original Whatsapp number with complete dating profile and contact.
    http://goo.gl/l9jbfC


    First Name: Iesha
    Last Name: Assaf
    Education: Bachelor
    Gender: Female
    Religion: Islam
    Marital Status: Single
    Language: Persian,English
    Whatsapp Number: +79-2116583688
    Hobbies: Study,Reading,Books,Music
    Occupation: Student and Teacher
    Town: Musat
    City/State: Oman
    Country: Muscat Oman


    Nassar Age 23 Single from Muscat Oman Online Dating Girl

    http://goo.gl/jrbySr

    Muscat Real Girl Duha Nassar Whatsapp Number For Decent Partner
    I am Duha Nassar from Muscat Oman. I have completed my graduations and now moving toward master degree. I am interested in fashion designer and want to make my career in this field. I am still single and looking for a dashing young boy for dating and friendship. I am sharing my original Whatsapp number with complete dating profile and contact.
    First Name: Duha
    Last Name: Nassar
    Education: Bachelor
    Age: 23
    Gender: Female
    Religion: Islam
    Marital Status: Single
    Language: Persian,Turkish,English
    Hobbies: Fashion,Music,Study,Chatting,Shopping
    Occupation: Student and Teacher
    Town: Muscat
    City/State: Muscat Oman
    Country: Muscat
    http://goo.gl/jrbySr
    For my contact click on Photo

    Weight Loss Tips That Are Actually Evidence-Based Video

    http://goo.gl/WgWjPq

    click on photo and watch video

    The weight loss “industry” is full of myths.
    People are being advised to do all sorts of crazy things, most of which have no evidence behind them.
    Over the years, however, scientists have found a number of strategies that seem to be effective.
    Here are 26 weight loss tips that are actually evidence-based.

    1. Drink Water, Especially Before Meals

    It is often claimed that drinking water can help with weight loss, and this is true.
    Drinking water can boost metabolism by 24-30% over a period of 1-1.5 hours, helping you burn off a few more calories (1, 2).
    One study showed that drinking a half liter (17 oz) of water about a half an hour before meals helped dieters eat fewer calories and lose 44% more weight (3).

    2. Eat Eggs For Breakfast

    Eating whole eggs can have all sorts of benefits, including helping you lose weight.
    Studies show that replacing a grain-based breakfast with eggs can help you eat fewer calories for the next 36 hours, and lose more weight and more body fat (4, 5).
    If you can’t eat eggs for some reason, then that’s fine. Any source of quality protein for breakfast should do the trick.

    3. Drink Coffee (Preferably Black)

    Coffee has been unfairly demonized. Quality coffee is loaded with antioxidants, and can have numerous health benefits.
    Studies show that the caffeine in coffee can boost metabolism by 3-11%, and increase fat burning by up to 10-29% (6, 7, 8).
    Just make sure NOT to add a bunch of sugar or other high-calorie ingredients to it. That will completely negate any benefit you get from the coffee.

    4. Drink Green Tea

    Like coffee, green tea also has many benefits, one of them being weight loss.
    Green tea contains small amounts of caffeine, but it is also loaded with powerful antioxidants called catechins, which are also believed to work synergistically with the caffeine to enhance fat burning (9, 10).
    Although the evidence is mixed, there are many studies showing that green tea (either as a beverage or a green tea extract supplement) can help you lose weight (11, 12).

    5. Cook With Coconut Oil

    Coconut oil is very healthy. It is high in special fats called medium chain triglycerides, which are metabolized differently than other fats.
    These fats have been shown to boost metabolism by 120 calories per day, and also reduce your appetite so that you eat up to 256 fewer calories per day (13, 14).
    Keep in mind that this is not about adding coconut oil on top of what you’re already eating, it is about replacing some of your current cooking fats with coconut oil.

    6. Take a Glucomannan Supplement

    A fiber called glucomannan has been shown to cause weight loss in several studies.
    This is a type of fiber that absorbs water and “sits” in your gut for a while, making you feel more full and helping you eat fewer calories (15).
    Studies have shown that people who supplement with glucomannan lose a bit more weight than those who don’t (16).

    7. Cut Back on Added Sugar

    Added sugar is the single worst ingredient in the modern diet, and most people are eating way too much of it.
    Studies show that sugar (and high fructose corn syrup) consumption is strongly associated with the risk of obesity, as well as diseases like type 2 diabetes, heart disease and others (17, 18, 19).
    If you want to lose weight, you should be cutting back on added sugars. Just make sure to read labels, because even so-called health foods can be loaded with sugar.

    8. Eat Less Refined Carbs

    Refined carbohydrates are usually sugar, or grains that have been stripped of their fibrous, nutritious parts (includes white bread and pasta).
    Studies show that refined carbs can spike blood sugar rapidly, leading to hunger, cravings and increased food intake a few hours later. Eating refined carbs is strongly linked to obesity (20, 21, 22).
    If you’re going to eat carbs, make sure to eat them with their natural fiber.

    9. Go on a Low Carb Diet

    If you want to get all the benefits of carb restriction, then consider taking this all the way and going on a low carb diet.
    Numerous studies show that such a diet (or “way of eating”) can help you lose 2-3 times as much weight as a standard low-fat diet, while improving your health at the same time (23, 24, 25).

    10. Use Smaller Plates

    Using smaller plates has been shown to help people automatically eat fewer calories in some studies. Weird trick, but it seems to work (26).

    11. Exercise Portion Control or Count Calories

    Portion control (eating less) or counting calories can be very useful, for obvious reasons (27).
    There are also studies showing that keeping a food diary and writing down what you eat, or taking pictures of all your meals, can help you lose weight (28, 29).
    Anything that increases your awareness of what you are eating is likely to be useful.

    12. Keep Healthy Food Around in Case You Get Hungry

    Keeping healthy food close by can help prevent you from eating something unhealthy if you become excessively hungry.
    A few snacks that are easily portable and simple to prepare include whole fruits, a handful of nuts, baby carrots, yogurt and a hardboiled egg (or two).

    13. Brush Your Teeth After Dinner

    Although I’m not aware of any studies on this, many people recommend brushing your teeth and/or flossing right after dinner. Then you won’t be as tempted to have a late-night snack.

    14. Eat Spicy Foods

    Spicy foods like Cayenne pepper contain Capsaicin, a compound that can boost metabolism and reduce your appetite slightly (30, 31).

    15. Do Aerobic Exercise

    Doing aerobic exercise (cardio) is an excellent way to burn calories and improve your physical and mental health.
    It appears to be particularly effective to lose belly fat, the unhealthy fat that tends to build up around your organs and cause metabolic disease (32, 33).

    16. Lift Weights

    One of the worst side effects of dieting, is that it tends to cause muscle loss and metabolic slowdown, often referred to as starvation mode (34, 35).
    The best way to prevent this from happening is to do some sort of resistance exercise, like lifting weights. Studies show that weight lifting can help keep your metabolism high, and prevent you from losing precious muscle mass (36, 37).
    Of course, it’s not just important to lose fat. You also want to make sure that what is beneath looks good. Doing some sort of resistance exercise is critical for that.

    17. Eat More Fiber

    Fiber is often recommended for the purpose of weight loss. Although the evidence is mixed, some studies show that fiber (especially viscous fiber) can increase satiety and help you control your weight over the long term (38, 39).

    18. Eat More Vegetables and Fruits

    Vegetables and fruits have several properties that make them effective for weight loss.
    They contain few calories, but a lot of fiber. They are also rich in water, which gives them a low energy density. They also take a while to chew, and are very filling.
    Studies show that people who eat vegetables and fruits tend to weigh less (40). These foods are also super healthy and nutritious, so eating them is important for all sorts of reasons.

    19. Chew More Slowly

    It can take a while for the brain to “register” that you’ve had enough to eat. Some studies show that chewing more slowly can help you eat fewer calories and increase the production of hormones linked to weight loss (41, 42).

    20. Get Good Sleep

    Sleep is highly underrated, but it may be just as important as eating healthy and exercising.
    Studies show that poor sleep is one of the strongest risk factors for obesity, being linked to an 89% increased risk of obesity in children, and 55% in adults (43).

    21. Beat Your Food Addiction

    A recent 2014 study of 196,211 individuals found that 19.9% of people fulfil the criteria for food addiction (44).
    If you suffer from overpowering cravings and can’t seem to get your eating under control no matter how hard you try, then you may be a food addict.
    In this case, get help. Trying to lose weight without dealing with this problem first is next to impossible.

    22. Eat More Protein

    Protein is the single most important nutrient when it comes to losing weight.
    Eating a high protein diet has been shown to boost metabolism by 80 to 100 calories per day, while helping you feel so satiated that you eat up to 441 fewer calories per day (45, 46, 47).
    One study also showed that protein at 25% of calories reduced obsessive thoughts about food by 60%, while cutting the desire for late night snacking in half (48).
    This is the single most important tip in the article.
    Simply adding protein to your diet (without restricting anything) is one of the easiest, most effective and most delicious ways to lose weight.

    23. Supplement With Whey Protein

    If you struggle to get enough protein in your diet, taking a supplement can help.
    One study showed that replacing part of your calories with whey protein can cause weight loss of about 8 pounds, while increasing lean muscle mass (49).

    24. Don’t Drink Calories, Including Sugary Soda and Fruit Juices

    Sugar is bad, but sugar in liquid form is even worse (50). Studies show that liquid sugar calories may be the single most fattening aspect of the modern diet.
    For example, one study showed that sugar-sweetened beverages are linked to a 60% increased risk of obesity in children, for each daily serving (51).
    Keep in mind that this applies to fruit juice as well, which contains a similar amount of sugar as a soft drink like coke (52). Eat whole fruit, but use fruit juice with caution (or avoid it altogether).


    25. Eat Whole, Single Ingredient Foods (Real Food)

    If you want to be a leaner, healthier person, then one of the best things you can do for yourself is to eat whole, single ingredient foods.
    These foods are naturally filling, and it’s very difficult to gain weight if the majority of your diet is based around them.
    Keep in mind that real food doesn’t need a long list of ingredients, because real food IS the ingredient.

    26. Don’t “Diet”, Eat Healthy Instead

    One of the biggest problems with “diets,” is that they almost never work in the long term.
    If anything, people who “diet” tend to gain more weight over time, and studies show that dieting is a consistent predictor of future weight gain (53).
    Instead of going on a diet, make it your goal to become a healthier, happier and fitter person. Focus on nourishing your body, instead of depriving it.
    Weight loss should follow as a natural side effect.

    Weight Loss Tips That Are Actually Evidence-Based



    The weight loss “industry” is full of myths.
    People are being advised to do all sorts of crazy things, most of which have no evidence behind them.
    Over the years, however, scientists have found a number of strategies that seem to be effective.
    Here are 26 weight loss tips that are actually evidence-based.

    1. Drink Water, Especially Before Meals

    It is often claimed that drinking water can help with weight loss, and this is true.
    Drinking water can boost metabolism by 24-30% over a period of 1-1.5 hours, helping you burn off a few more calories (1, 2).
    One study showed that drinking a half liter (17 oz) of water about a half an hour before meals helped dieters eat fewer calories and lose 44% more weight (3).

    2. Eat Eggs For Breakfast

    Eating whole eggs can have all sorts of benefits, including helping you lose weight.
    Studies show that replacing a grain-based breakfast with eggs can help you eat fewer calories for the next 36 hours, and lose more weight and more body fat (4, 5).
    If you can’t eat eggs for some reason, then that’s fine. Any source of quality protein for breakfast should do the trick.

    3. Drink Coffee (Preferably Black)

    Coffee has been unfairly demonized. Quality coffee is loaded with antioxidants, and can have numerous health benefits.
    Studies show that the caffeine in coffee can boost metabolism by 3-11%, and increase fat burning by up to 10-29% (6, 7, 8).
    Just make sure NOT to add a bunch of sugar or other high-calorie ingredients to it. That will completely negate any benefit you get from the coffee.

    4. Drink Green Tea

    Like coffee, green tea also has many benefits, one of them being weight loss.
    Green tea contains small amounts of caffeine, but it is also loaded with powerful antioxidants called catechins, which are also believed to work synergistically with the caffeine to enhance fat burning (9, 10).
    Although the evidence is mixed, there are many studies showing that green tea (either as a beverage or a green tea extract supplement) can help you lose weight (11, 12).

    5. Cook With Coconut Oil

    Coconut oil is very healthy. It is high in special fats called medium chain triglycerides, which are metabolized differently than other fats.
    These fats have been shown to boost metabolism by 120 calories per day, and also reduce your appetite so that you eat up to 256 fewer calories per day (13, 14).
    Keep in mind that this is not about adding coconut oil on top of what you’re already eating, it is about replacing some of your current cooking fats with coconut oil.

    6. Take a Glucomannan Supplement

    A fiber called glucomannan has been shown to cause weight loss in several studies.
    This is a type of fiber that absorbs water and “sits” in your gut for a while, making you feel more full and helping you eat fewer calories (15).
    Studies have shown that people who supplement with glucomannan lose a bit more weight than those who don’t (16).

    7. Cut Back on Added Sugar

    Added sugar is the single worst ingredient in the modern diet, and most people are eating way too much of it.
    Studies show that sugar (and high fructose corn syrup) consumption is strongly associated with the risk of obesity, as well as diseases like type 2 diabetes, heart disease and others (17, 18, 19).
    If you want to lose weight, you should be cutting back on added sugars. Just make sure to read labels, because even so-called health foods can be loaded with sugar.

    8. Eat Less Refined Carbs

    Refined carbohydrates are usually sugar, or grains that have been stripped of their fibrous, nutritious parts (includes white bread and pasta).
    Studies show that refined carbs can spike blood sugar rapidly, leading to hunger, cravings and increased food intake a few hours later. Eating refined carbs is strongly linked to obesity (20, 21, 22).
    If you’re going to eat carbs, make sure to eat them with their natural fiber.

    9. Go on a Low Carb Diet

    If you want to get all the benefits of carb restriction, then consider taking this all the way and going on a low carb diet.
    Numerous studies show that such a diet (or “way of eating”) can help you lose 2-3 times as much weight as a standard low-fat diet, while improving your health at the same time (23, 24, 25).

    10. Use Smaller Plates

    Using smaller plates has been shown to help people automatically eat fewer calories in some studies. Weird trick, but it seems to work (26).

    11. Exercise Portion Control or Count Calories

    Portion control (eating less) or counting calories can be very useful, for obvious reasons (27).
    There are also studies showing that keeping a food diary and writing down what you eat, or taking pictures of all your meals, can help you lose weight (28, 29).
    Anything that increases your awareness of what you are eating is likely to be useful.

    12. Keep Healthy Food Around in Case You Get Hungry

    Keeping healthy food close by can help prevent you from eating something unhealthy if you become excessively hungry.
    A few snacks that are easily portable and simple to prepare include whole fruits, a handful of nuts, baby carrots, yogurt and a hardboiled egg (or two).

    13. Brush Your Teeth After Dinner

    Although I’m not aware of any studies on this, many people recommend brushing your teeth and/or flossing right after dinner. Then you won’t be as tempted to have a late-night snack.

    14. Eat Spicy Foods

    Spicy foods like Cayenne pepper contain Capsaicin, a compound that can boost metabolism and reduce your appetite slightly (30, 31).

    15. Do Aerobic Exercise

    Doing aerobic exercise (cardio) is an excellent way to burn calories and improve your physical and mental health.
    It appears to be particularly effective to lose belly fat, the unhealthy fat that tends to build up around your organs and cause metabolic disease (32, 33).

    16. Lift Weights

    One of the worst side effects of dieting, is that it tends to cause muscle loss and metabolic slowdown, often referred to as starvation mode (34, 35).
    The best way to prevent this from happening is to do some sort of resistance exercise, like lifting weights. Studies show that weight lifting can help keep your metabolism high, and prevent you from losing precious muscle mass (36, 37).
    Of course, it’s not just important to lose fat. You also want to make sure that what is beneath looks good. Doing some sort of resistance exercise is critical for that.

    17. Eat More Fiber

    Fiber is often recommended for the purpose of weight loss. Although the evidence is mixed, some studies show that fiber (especially viscous fiber) can increase satiety and help you control your weight over the long term (38, 39).

    18. Eat More Vegetables and Fruits

    Vegetables and fruits have several properties that make them effective for weight loss.
    They contain few calories, but a lot of fiber. They are also rich in water, which gives them a low energy density. They also take a while to chew, and are very filling.
    Studies show that people who eat vegetables and fruits tend to weigh less (40). These foods are also super healthy and nutritious, so eating them is important for all sorts of reasons.

    19. Chew More Slowly

    It can take a while for the brain to “register” that you’ve had enough to eat. Some studies show that chewing more slowly can help you eat fewer calories and increase the production of hormones linked to weight loss (41, 42).

    20. Get Good Sleep

    Sleep is highly underrated, but it may be just as important as eating healthy and exercising.
    Studies show that poor sleep is one of the strongest risk factors for obesity, being linked to an 89% increased risk of obesity in children, and 55% in adults (43).

    21. Beat Your Food Addiction

    A recent 2014 study of 196,211 individuals found that 19.9% of people fulfil the criteria for food addiction (44).
    If you suffer from overpowering cravings and can’t seem to get your eating under control no matter how hard you try, then you may be a food addict.
    In this case, get help. Trying to lose weight without dealing with this problem first is next to impossible.

    22. Eat More Protein

    Protein is the single most important nutrient when it comes to losing weight.
    Eating a high protein diet has been shown to boost metabolism by 80 to 100 calories per day, while helping you feel so satiated that you eat up to 441 fewer calories per day (45, 46, 47).
    One study also showed that protein at 25% of calories reduced obsessive thoughts about food by 60%, while cutting the desire for late night snacking in half (48).
    This is the single most important tip in the article.
    Simply adding protein to your diet (without restricting anything) is one of the easiest, most effective and most delicious ways to lose weight.

    23. Supplement With Whey Protein

    If you struggle to get enough protein in your diet, taking a supplement can help.
    One study showed that replacing part of your calories with whey protein can cause weight loss of about 8 pounds, while increasing lean muscle mass (49).

    24. Don’t Drink Calories, Including Sugary Soda and Fruit Juices

    Sugar is bad, but sugar in liquid form is even worse (50). Studies show that liquid sugar calories may be the single most fattening aspect of the modern diet.
    For example, one study showed that sugar-sweetened beverages are linked to a 60% increased risk of obesity in children, for each daily serving (51).
    Keep in mind that this applies to fruit juice as well, which contains a similar amount of sugar as a soft drink like coke (52). Eat whole fruit, but use fruit juice with caution (or avoid it altogether).


    25. Eat Whole, Single Ingredient Foods (Real Food)

    If you want to be a leaner, healthier person, then one of the best things you can do for yourself is to eat whole, single ingredient foods.
    These foods are naturally filling, and it’s very difficult to gain weight if the majority of your diet is based around them.
    Keep in mind that real food doesn’t need a long list of ingredients, because real food IS the ingredient.

    26. Don’t “Diet”, Eat Healthy Instead

    One of the biggest problems with “diets,” is that they almost never work in the long term.
    If anything, people who “diet” tend to gain more weight over time, and studies show that dieting is a consistent predictor of future weight gain (53).
    Instead of going on a diet, make it your goal to become a healthier, happier and fitter person. Focus on nourishing your body, instead of depriving it.
    Weight loss should follow as a natural side effect.

    Bankers Life and Casualty 2015


    Bankers Life and Casualty 2015
    Established in 1879 in Chicago, Bankers Life and Casualty Company focuses on the insurance needs of

    the retirement market. The nationwide company, a subsidiary of CNO Financial Group, Inc. (formerly


    Conseco), offers a broad portfolio of life and health insurance retirement products designed especially for

    seniors.
    Bankers has more than 1.3 million policyholders and offers a comprehensive portfolio of insurance products


    including long-term care and life insurance, annuities, and Medicare products including supplement

    plans, Medicare Advantage Plans and Medicare Part D prescription drug coverage.

    The Wall Street Journal reported that Bankers also offers vision and dental plans through a partnership

    with Humana.

    The company sells its products through a network of over 5,000 insurance agents based in over 200

    nationwide branch offices.


    In business since 1879, the company was developed and owned by Chicago insurance man John D.

    MacArthur since 1935. At the time of his death in 1978, control of the company passed to the John D. and

    Catherine T. MacArthur Foundation, a major charitable institution in the U.S. The foundation later sold

    Bankers Life and Casualty Company.
    Today, Bankers is a subsidiary of CNO Financial Group, Inc., a holding company for a group of insurance

    companies operating throughout the United States.

    As of 2010, Bankers has $13 billion in assets under management. In 2010, Bankers processed more than

    seven million claims and paid out more than $1.1 billion in policy benefits.

    Bankers was named one of the top 10 long-term care insurers in 2009 by LIMRA.



    Insurance Basics Information Accident, sickness and unemployment


    Insurance Basics Information For EveryOne
    Most people get health insurance through a job-based health plan, or they buy it themselves from an insurance company.
    If you have to buy insurance on your own, many kinds of private health insurance policies are for sale. Different kinds of policies can offer very different kinds of benefits and can limit your access to some doctors, hospitals, or other providers. 
    The kinds of benefits and which care providers your policy covers can make a big difference in your costs and the quality of care you get if you become ill.

    Can I keep my current doctor?


    Private health insurance plans often have networks of hospitals, doctors, specialists, pharmacies, and other health care providers. Networks include health care providers that have a contract with an insurer to take care of the plan’s members. 

    When choosing a plan, review the list of providers that give care under the policy. If staying with your current doctors is important to you, check to see if they are included.

    Depending on the type of policy you buy, care may be covered only when received from a network provider.  To get care from a specialist you may need a referral from your primary care doctor.
    http://goo.gl/1bGhkU


    Accident, sickness and unemployment insurance 

     
    •  
    • Disability insurance policies provide financial support in the event of the policyholder becoming unable 
    • to work because of disabling illness or injury. It provides monthly support to help pay such obligations 
    • as mortgage loans and credit cards. Short-term and long-term disability policies are available to 
    • individuals, but considering the expense, long-term policies are generally obtained only by those with 
    • at least six-figure incomes, such as doctors, lawyers, etc. Short-term disability insurance covers a 
    • person for a period typically up to six months, paying a stipend each month to cover medical bills and 
    • other necessities.
    •  
    • Long-term disability insurance covers an individual's expenses for the long term, up until such time as 
    • they are considered permanently disabled and thereafter. Insurance companies will often try to 
    • encourage the person back into employment in preference to and before declaring them unable to 
    • work at all and therefore totally disabled.
    •  
    • Disability overhead insurance allows business owners to cover the overhead expenses of their 
    • business while they are unable to work.
    •  
    • Total permanent disability insurance provides benefits when a person is permanently disabled and can 
    • no longer work in their profession, often taken as an adjunct to life insurance.
    •  
    • Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying 
    • medical expenses incurred because of a job-related injury.
    •