Idealism and Philosophy (and Education on Both) - Before we begin it is important to understand the basic definitions of Idealism and Philosophy. Education in these two areas is very rare in modern society, although we will teach children Social Studies in grade 2, the basic questions of Who am I and Why am I here are left until much later (often university). When you mention the idea of philosophy you are usually met with bored expressions and a complete lack of interest. Why? Because these questions are very dangerous to the society we have built and live in.

Idealism is defined as the view that the existence of objects depends wholly or in part on the minds of those perceiving them. This definition is not complete by any means, in fact those who truly explore Idealistic concepts often come to the point where physical reality is nothing more than symbolism for the workings of the mind. This might sound strange and a little far-fetched but that is only because we are used to one particular view of the world, to explore another view would require a great deal of courage and the acceptance that You are not simply an accumulation of your beliefs.

Philosophy is defined as the rational investigation of questions about existence and knowledge and ethics. Nothing about the realm of Philosophy states that it must lead you to Idealism yet, for those who explore philosophy deeply enough, it often does. Philosophy was once looked upon as one of our species highest callings. Socrates, Plato, and other familiar names are familiar for exactly this reason; they were respected, admired, and seen as brilliant to those willing to listen to their words. Sad to say, society was very different back then.

Unfortunately it is impossible to explore all of the concepts and ideas involved in Philosophy in just one short article, but that doesn't mean you cannot go looking for yourself. It is important to remember though that not every "would-be philosopher" is worth listening to. An easy way to discern who is and who is not thinking clearly about existence and knowledge is to see how much they boost their own self-importance.

Look for the humble, serious philosophers such as Jiddu Krishnamurti (who rejected the offer to be named Messiah in the early 1900's) and Alan Watts. Find some of their videos, their books, and a website focused on discussing the concepts and ideas that are the root of their many lectures and books. It is important to get familiar with Idealism and Philosophy, and education in these fields will reveal why it is so important. There is a whole other multi-layered facet to life that needs to be explored in our modern society; our growth as a human being, a species and a culture depends on it.
Which Health Insurance Plan Is Best for Me?

Health insurance has proven itself of great help and financial aid in certain cases when events turn out unexpectedly. In times when you are ill and when your health is in grave jeopardy and when finances seem to be incapable to sustain for your care, health insurance is here to the rescue. A good health insurance plan will definitely make things better for you.

Basically, there are two types of health insurance plans. Your first option is the indemnity plans, which includes the fee-for-services and the second is the managed care plans. The differences between these two include the choice offered by the providers, the amount of bills the policy holder has to pay and the services covered by the policy. As you can always hear there is no ultimate or best plan for anyone.

As you can see, there are some plans which may be way better than the others. Some may be good for you and your family's health and medical care needs. However, amidst the sweet health insurance plan terms presented, there are always certain drawbacks that you may come to consider. The key is, you will have to wisely weigh the benefits. Especially that not among these plans will pay for all the financial damages associated with your care.

The following are a brief description about the health insurance plans that might be fitting for you and your family's case.

Indemnity Plans

Flexible Spending Plans - These are the types of health insurance plans that are sponsored when you are working for a company, or any employer. These are the care plans inclusive in your employee benefit package. Some of the specific types of benefits included in this plan are the multiple options pre-tax conversion plan, medical plans plus flexible spending accounts, tax conversion plan, and employer credit cafeteria plans. You can always ask your employer of the benefits included in your health care/insurance plans.

Indemnity Health Plans - This type of health insurance plan allows you to choose your own health care providers. You are given the freedom to go to any doctor, medical institution, or other health care providers for a set monthly premium. The insurance plan will reimburse you and your health care provider according to the services rendered. Depending on the health insurance plan policy, there are those that offers limit on individual expenses, and when that expense is reached, the health insurance will cover for the remaining expenses in full. Sometimes, indemnity health insurance plans impose restrictions on services covered and may require prior authorization for hospital care and other expensive services.

Basic and Essential Health Plans - It provides a limited health insurance benefit at a considerably low insurance cost. In opting for this kind of health insurance plan, it is necessary that one should read the policy description giving special focus on covered services. There are plans which may not cover on some basic treatments, certain medical services such as chemotherapy, maternity care or certain prescriptions. Also, rates vary considerably since unlike other plans, premiums consider age, gender, health status, occupation, geographic location, and community rated.

Health Savings Accounts - You own and control the money in your HSA. This is the recent alternative to the old fashioned health insurance plans. These are savings product designed to offer policy holders different way to pay for their health care. This type of insurance plan allows the individual to pay for the current health expenses and also save for untoward future qualified medical and retiree health costs on a tax-free basis. With this health care plan, you decide on how your money is spent. You make all the decisions without relying on any third party or a health insurer. You decide on which investment will help your money grow. However, if you sign up for an HSA, High Deductible Health Plans are required in adjunct to this type of insurance plan.

High Deductible Health Plans - Also called Catastrophic Health Insurance Coverage. It is an inexpensive health insurance plan which is enabled only after a high deductible is met of at least $1,000 for an individual expense and $2,000 for family-related medical expense.

Managed Care Options

Preferred Provider Organizations - This is charged in a fee-for-service basis. The involved health care providers are paid by the insurer on a negotiated fee and schedule. The cost of services are likely lower if the policy holder chooses an out-of-network provider ad generally required to pay the difference between what the provider charges and what the health insurance plan has to pay.

Point of Service - POS health insurance plans are one of the indemnity type options in which the primary health care providers usually make referrals to other providers within the plan. In the event the doctors make referrals which are out of the plan, that plan pays all or most of the bill. However, if you refer yourself to an outside provider, the service charges may also be covered by the plan but the individual may be required to pay the coinsurance.

Health Maintenance Organizations - It offers access to a network of physicians, health care institutions, health care providers, and a variety of health care facilities. You have the freedom to choose for your personal primary care doctor from a list which may be provided by the HMO and this chosen doctor may coordinate with all the other aspects of your health care. You may speak with your chosen primary doctor for further referrals to a specialist. Generally, you are paying fewer out-of-pocket fees with this type of health insurance plan. However, there are certain instances that you may be often charged of the fees or co-payment for services such as doctor visits or prescriptions.

Government-Sponsored Health Insurance

Indian Health Services - This is part of the Department of Health and Human Services Program offering all American Indians the medical assistance at HIS facilities. Also, HIS helps in paying the cost of the health care services utilized at non-HIS facilities.

Medicaid - This is a federal or s state public assistance program created in the year 1965. These are available for the people who may have insufficient resources to pay for the health care services or for private insurance policies. Medicaid is available in all states. Eligibility levels and coverage benefits may vary though.

Medicare - This is a health care program for people aging 65 and older, with certain disabilities that pays part of the cost associated with hospitalization, surgery, home health care, doctor's bills, and skilled nursing care.

Military Health Care - This type includes the TRICARE or the CHAMPUS  (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affair). The Department of Veterans Affair (VA) may also provide this service.

State Children's Health Insurance Program - This is available to children whose low-income parents were not able to qualify for the Medicaid.
State-Specific Plans - This type of plan is available for low income uninsured individuals.

There are many different types of insurance plans that you may have the prerogative to know about. By learning which health care insurance fits your situation, you can avail of the many options that will likely be of great assistance to you in times when you will need it most. Insurance costs have typically become one of the common draw backs in choosing for an insurance quote. However, weighing the benefits will really matter. Make sure that you always read the benefits, terms and conditions before landing to whichever type of health insurance you choose.

Technology and Education - I was recently talking to a friend of mine who is struggling to get her son to read. It got me thinking. The truth is that hardly anyone, adults or children, has time to sit down and read these days. Of course people do MAKE time to watch American Idol, or Lost or CSI or whatever other empty TV show. Yes, sorry, I mean this. These are 3 examples but there are many more. I am talking about TV programs that either show the worst possible side of human beings or that give people a completely distorted version of reality. If I watched the local news, I would never come out of the house. People overseas have called me to ask if I was OK after hearing some news on their local TV... Across an ocean, thousands of miles away. What is the point of that?

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So yes, it is a shame that people don't read much because I do believe that there are a lot less mediocre books than mediocre TV shows. But here we are, that's the reality and there is no doubt that children respond a lot better to TV and iPods than a good old bunch of pages. Note that it might have to do with the fact that most parents who want peace and quiet at home have a tendency to just sit their kids in front of the box from a very early age... You can't blame the little darlings.

So let's make the most of this situation. Ultimately, why do we want kids to read? Just for the skill or for the content of what they read? Past a certain age, it has to be for the content. The actual skill should be drilled early on and if you have teenagers who can't read, that's another problem and not the topic of this article.

A couple of years ago, I was given an iPod. I had never wanted one because I don't listen to music much and I couldn't imagine myself walking around with my earphones jamming to my songs. But then I was introduced around the same time to audio books. Wow! What a discovery! My iPod follows me everywhere. I hardly ever watch TV and whenever I am doing something that doesn't require a high level of concentration, like cooking, ironing, cleaning the house, sorting out mail, etc, I just put the iPod on and I just "read". I mean I am listening really, but as I am not prepared to make the time to actually sit and read. I just kill two birds with one stone. I have "read" dozens of books in the last couple of years and have learnt so much! It has been the best education of my life. I have grown in ways I didn't think were possible.

Now I am sure that your kids have an MP3 player of some description. Have you thought about looking into audio books for them. Or simply some audio files that they can have in their iPod and that they would listen to. Have a mix of some music and some educational stuff. Do the same yourself: when you are driving somewhere, let the whole family listen to your favorite audio books, have a discussion about what is said. Get your kids into it from an early age.

The same applies to TV. Yes, there are a lot of useless programs on TV in my opinion, but there are also good ones, that actually bring knowledge. Some kids' programs are very educational and then you have the Discovery Channel, the History Channel, etc. Instead of quietening your kids with mindless cartoons, try a Discovery program on sea life. Don't get me wrong, I love cartoons too, every now and then. Some are better than others. But there has to be variety. Children, like all people, respond to what they are given. If you feed them violence from an early age, they'll enjoy it because it will have become the norm for them and they will want more. If you feed them knowledge, instruction, education from an early age, they will want more of that.

Games consoles are the same. They have games that require some thinking and others that consist of shooting, or racing or pretending you are playing sport. If the weather is good enough to go outside and you like soccer or football or baseball, go and play it, do the real thing. If it is too cold or rainy and you are stuck inside, pick a game that will teach you something, about finances for instance or managing your future, or building a business. There are games like that.

Computer use also needs to be taught to kids early. Mastering Microsoft office is a must. Get them to write their journal on the computer for instance, get them to play around with PowerPoint when they have school projects, show them Publisher, etc. All these are essential skills. The Internet is also a great source of good or bad and you have to pick and choose. There are a lot of interactive sites for kids that can be great. 

All the communities are good too if they are used for a reasonable amount of time per day. It is very easy to get carried away on the net and spend hours literally wasting time. But there are also a lot of things to be learned. even just the technical aspects of using a computer. Teach your kids to be wise on the net: for instance, make sure they select what pictures they put in their profile and teach them about the kind of image they want to project. They can also learn about advertising themselves or an event on one of those communities. It can teach them about marketing at an early age.

Technology is full of riches. It has to be used wisely and kids have to be shown - ASAP - the positive, educational ways they can use it so that they will ask for more. Don't blame violent TV or games, worthless TV shows etc for children's lack of interest in school. Take your part of responsibility: you are the ones to decide what your kids do or don't. Then work with what you have got and use this great tool that we call technology to your advantage.
Computers and Educational Videos - Danger Versus Control - We live in a dangerous society and, in some ways, computers and the Internet have made it even more dangerous. So dangerous, in fact, that some educational experts have recently called for a moratorium on using computers in early childhood and elementary programs. Although this may seem an extreme reaction, by some, to the challenges posed by this technology, others are calling for a return to more traditional means of instructing young children.

There is no doubt that computers are reshaping all our lives in profound and unexpected ways, are becoming a part of our every-day life, and cannot be ignored. But, rather than focus on the potential hazards of computers in the classroom, and demand we stop using them with young children, why not use them in more appropriate ways, such as a delivery mechanism for educational DVDs and videos? Use of educational DVDs and videos allow the teacher to hand-select the topics to which their students are exposed and more easily incorporate both the educational content and necessary computer skills into their lesson plans. By delivering the educational DVDs via computer, the teacher can also ensure that the students' need for computer literacy is addressed at the appropriate age level.

The key issue here is control. If you leave a young child to their own devices to search the Internet and absorb whatever information they may stumble across, you lose all control of what they may be learning, both good and bad. Educational DVDs and videos, on the other hand, allow you to control what the young child sees and learns, and if delivered via computer, still offer the exposure to the technology, also a required skill in today's society.

It is important to remember that computers are simply tools - just like books, pencils, or the television. And, just like any other tool, they can be misused or can be used in developmentally appropriate ways to benefit our children. A great deal of research has been done that indicates there are certain positive effects of technology on early childhood learning but we must continue to treat computers as a supplement. 

We must take steps to ensure they do not replace the other important early childhood activities and materials, such as imaginative exploration, books, dramatic play, blocks, sand, water, art, etc. Rather than issue a ban on computers, educators and parents should make sure they are used to develop cognitive and social skills, as well as literacy, by controlling the content to which young learners are exposed.
Leaning and Educational Toys - Studies have shown that young children exposed to early stimulation of the learning process will gain an advantage throughout their school years with better cognition, learning ability and a joy for learning to last a lifetime. And with today's line of learning/educational toys, gaining a head start in brain power has never been easier or so much fun.

The Numerical Advantage.

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Learning/educational toys that focus on numbers are a great learning tool to stimulate the child's ability to compute and reason, and better prepare them for the mathematical aspects of life. Toys such as clocks, bingo cards, and counting games prepare the child to calculate and gives them a running head start to tell time, exchange money and learn their math tables. When choosing a numerical-orientated toy, be sure the product is geared for the age of your child. Toddlers prefer large, colorful pieces and easy to master formulas, so be sure that you have not set the bar too high that might frustrate them. The child must gain a sense of masterly skill to make the learning time enjoyable and keep their interest level high.

Linguistic Skills.
Literacy is the window to the world with a lifetime of comprehension and understanding of language. However, it is essential for young children to grasp the use and recognition of their written language as early as possible to avoid stumbling blocks when they reach school age. Early understanding of language opens the door to better communication, reading and writing skills and enables the child to effectively express himself. 

Companies such as Leap Frog, Fat Brain Toys and The Land of Nod offer plenty of learning/educational toys that will take your child through rapid retention of the alphabet to the construction of sentences and phrases. Language is a vital element to a child's early development and should never be left to an educational institution alone. Interacted language toys will give your little one the verbal advantage he needs from home.

Science and Art Skills.
Not to be overlooked is the disciple of the arts and sciences, and no child is too young to gain early exposure. The arts and sciences open a child's mind to discovery, invention and personal creativity that will bring him a lifelong confidence in his ability to be innovated and think outside of the box. This skill is critical to problem solving, discipline and may even prompt a desire to learn a musical instrument or express himself through painting. 

When selecting the science and art related learning/educational toys, sample a few artistic outlets and let the child decide what he is most comfortable with. This may be puzzle boards, flash cards or an interactive art shop with clay or paint sets. And when your child develops an early interest in art, be sure to encourage him and realize that there is no right and wrong. Art is a unique form of self expression where a blue elephant is just as valid as a gray one.
Internet Business Services - With more than 10 years of experience in the website and e-commerce business, YourCoach can offer you a complete and bespoke service. We design, program, write, launch and track your website or marketing campaign. That's a global service, from A to Z.

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Apart from webdesign, YourCoach can also put your website online, purchase your domain name, make sure your website stays online, and provide you with a personalised e-mail address. Our web hosting is monitored 24 hours a day, 7 days a week. YourCoach offers its hosting services to both individuals and professional users.


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Our search engine optimisation (SEO) services bring your websites to the top in Google! Again, simplicity and professionalism are our main focus. We don't do fancy tricks; we focus on rewriting your existing pages, evaluating and restructuring your website and building links to and from your site.

Web copywriting

Writing from the web is completely different from writing books or other printed media. The average website visitor will spend about seven seconds on your site. Imagine spending money on attracting visitors to your site and your visitors aren't compelled to your content – that's money thrown away. Your website texts are the foundations of your online success; a good web copywriter will pay himself back by creating attractive texts that keep people on your website.

SEO copywriting

SEO copywriters are perfect when your advertising budget is inexistent. They get traffic to your site, by using certain keywords in his quality web copy so your page lands in the top search results on Google. The art is to create smooth, attractive texts that compel visitors to discover and act on your site.

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Selling online? No problem. We help you choose the payment methods, the way you sell, building your shopping cart and sales funnels from landing page to confirmation page. We optimise your existing flow to pull up your conversion rates, and propose actions to gain more customers and sales.

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An insurance premium is the amount of money that an individual or business must pay for an insurance policy. The insurance premium is income for the insurance company, once it is earned, and also represents a liability in that the insurer must provide coverage for claims being made against the policy.

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BREAKING DOWN 'Insurance Premium'

The price of an insurance premium for a given insurance policy can vary and depends on a variety of factors. Among those factors are the type of insurance coverage, the likelihood of a claim being made, the area where the policyholder lives or operates a business, the behavior of the person or business being covered, and the amount of competition that the insurer faces. For example, the likelihood of a claim being made against a teenage driver living in an urban area may be higher or lower compared to a teenage driver in a suburban area. In general, the greater the risk associated with a policy, the more expensive the insurance policy will be.

Policyholders may choose from a number of options for paying their insurance premiums. Some insurers allow the policyholder to pay the insurance premium in installments, such as monthly or semi-annual payments, or may require the policyholder to pay the total amount before coverage starts.

Insurance premiums may increase after the policy period ends. The insurer may increase the premium if claims were made during the previous period, if the risk associated with offering a particular type of insurance increases, or if the cost of providing coverage increases.

Insurers use the insurance premium to cover the liabilities associated with the policies they underwrite. They may also invest the premium in order to generate higher returns and offset some of the costs of providing the insurance coverage, which can help an insurer keep prices competitive. Insurers will invest the premiums in assets with varying levels of liquidity and return, but they are required to maintain a certain level of liquidity. State insurance regulators set the amount of liquid assets required to ensure insurers can pay claims.

Actuaries, Artificial Intelligence and the Future of Insurance Premium Prices

Generally, insurance companies employ professionals known as actuaries to determine risk levels and premium prices for a given insurance policy. The emergence of sophisticated algorithms and artificial intelligence is fundamentally changing how insurance is priced and sold, and there is an active debate happening between those who say algorithms will replace human actuaries in the future and those who contend the increasing use of algorithms will require greater participation of human actuaries and send the profession into a "next level."

https://www.investopedia.com/terms/i/insurance.asp