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Phone Insurance – Why Bother?

When you first buy your mobile phone (cell phone) you probably got pushed to buy the add-on insurance – or maybe you got given a few months free insurance together with the phone.

This free add-on is a clever and very profitable technique which phone dealers use to get you inadvertently into subscribing to the (cell phone) mobile phone insurance iteself. When you get the phone and the free phone insurance you are automatically set up to pay by Direct Debit for the insurance at the end of the free period.

But the question is this:

Do you really need mobile phone insurance?

To answer that you need to answer 2 specific questions – the answer to which varies from person to person.

1. Do you want to cover the cost of replacing your phone?
2. Are you worried about being without your phone for an extended period of time?

If your phone is Pay As You Go then you will be acutely aware of how much a decent phone costs because that is what you paid when you bought it.

In fact, pay as you go phones are not actually the real cost of the phones because mobile phone operators slightly subsidise the cost of the handset. This is because these phones are usually locked to only work on their network, so they make up for the loss on the cost of the phone calls.

But they are not discounted by much (relative to the discount given to Pay Monthly contract customers) because they can be unlocked to use on other networks. However, most people do not do this – so the network knows they will get that customer’s calling minutes and business.

If you are a Pay Monthly contract customer, chances are that you did not pay anywhere near the real cost of the phone – they get heavily discounted. The networks can afford to incentive and lure you in with discounted offers because they know they will get at least 12 months of your business.

While your phone might have been free when you got it on contract, it is going to be far more expensive to replace.

Hence if you have to replace your phone you wil need to buy a pay as you go phone an pay the full price. So that is your replacement cost.

As a contract customer this wil be considerably more than you thought it would be. For example the Apple iPhone is around £300 or US$400 to replace. That will hurt your wallet if you have lost it, or damaged it or some idiot has stolen it – for that you wowuld most likely want specialist iPhone insurance.

So how are you going to pay for it?

That is what mobile phone insurance is for. But is it worth it?

Unfortunately there have been many insurance operators who have fleeced the customer and charged high prices for an insurance policy that just did not make economic sense. EG expect to fork out around £10 a month.

Now if your phone is top of the range and expensive to replace, this might make sense, but not if you have a basic ‘I just want to make and receive calls’ type mobile phone.

So the insurance needs to be tailored to what phone handset you have.

If you have a cheaper phone, then it will be cheaper to replace, therefore the phone insurance should be cheaper. A more expensive phone should have a more expensive mobile phone insurance policy.

So that is a key decider in who you choose to insure your phone; can they tailor or offer a policy for your specific phone handset?

While you are looking at the financial side of covering the cost of replacement, you also want to consider whether the phone insurance company insist on a long term contract; many do, some do not.

If you must sign a 12 month contract (standard with many) then the cost of the insurance is a straight forward calculation of 12 months multiplied by the monthly cost. If this amount is bigger than the cost of replacing the phone yourself (by purchasing a Pay As You Go handset) then the insurance is not worth buying.

If there is not a 12 month contract then you are free to do as you choose.

If you are a Pay Monthly contract customer then there is another consideration. Once you’re no longer in contract you can upgrade and get a free phone handset – or move network and get a new phone.

So towards the end of your phone contract the mobile phone insurance has less and less value and worth to you as a customer because you are at less risk of having to pay out a big bill to replace the phone.

NOTE – As soon as you do get a new mobile phone and contract, you are back at a higher risk situation. You would have to pay the full price to replace your mobile phone if it was lost, stolen or damaged, so you are more likely to want to have mobile phone insurance.

Often, people say they can get their phone insurance via their home and contents insurance – but if you make a claim for a (relatively small) phone cost, what is going to happen to your no-claims bonus and your home insurance premium cost next year?

So getting mobile phone insurance is about sensibly minimising the risk of having a big replacement bill, without spending hugely on the monthly insurance policy.

The best way to achieve this is to use an insurance provider who does not have a 12 month contract and who has the right price insurance policy for your phone (not a ‘one price fits all’ policy)

Read part 2 of this article answering the “Are you worried about being without your phone for an extended period of time?” part here – coming soon…

Do you wonder if it’s possible for you to get taller even if you’re already past puberty? Has anyone told you that you can increase your height just by making a few changes in your food, and daily routine?

What we’ve been told is to grow taller past puberty isn’t possible. That is when our growing phase is over and we have to be contented with whatever we have.However, how to grow taller naturally is possible at any age. Just by making a few changes in your diet and lifestyle, the good news is that you can add inches to your height.

When you want to grow taller, it’s best to start as early as possible to work with your body’s natural ability to grow. One of the critical things to look at is the food you eat. Nutrition is very important in helping you to get taller, simply because food is what the body needs to rebuild itself and grow. No matter what age you are, with the proper nutrition you enhance your body’s ability to continue growing.

A very important role in a “How To Grow Taller” program is having proper diet and nutrition planning. Calcium, amino acids, essential proteins and calories will increase your body’s ability to grow taller. Because without right nutrition, your body has nothing to use to rebuild itself and grow taller!

Together with the right exercises to help you in growing taller, these nutrients will help you increase your height and here’s why:

Calcium
For you to have young healthy cells replacing old dying cells, your body needs calcium. It is also responsible and crucial for healthy bone growth and proper functioning of your muscles. This is one of the reasons why you have heard that to build strong and healthy bones, you need calcium!

Calcium also keeps your heart beating steadily, your blood, nervous system and muscles functioning properly. And all that from just this one nutrient! Without enough calcium, what happens is your body will start to “steal” calcium from your bones to keep your body functioning properly. As this weakens the bones, osteoporosis can develop over time.

Proteins
Proteins help you to grow taller naturally. Without protein, building and repair of our body tissues is impaired. Our bodies are subject to natural “wear and tear” as we go about our daily activities. In order to keep our body healthy and functioning well, protein is needed in the rebuilding process. The enzymes, hormones and other substances that our bodies need in our daily life are also produced by it.

Without protein, our body processes like water balancing, transporting nutrients, and making muscles contract are impaired. Protein also helps our body to resist diseases that commonly occur to malnourished people. In order to reduce fatigue, our body needs protein to produce stamina and energy.

Amino Acids
Proteins are made up of several types of Amino Acids. Are you aware that amino acids make up protein used in the growth, repair and maintenance of our body tissues? Out of the 20 amino acids, our body manufactures 11 and gets the remaining 9 from external sources through our diet. However, whether internally manufactured or derived from food sources, our bodies need all 20 amino acids to be healthy.

How To Increase Height Naturally
One of the critical factors for growing taller naturally is your diet and nutrition planning. While it’s not the only part of the “grow taller” routine, it’s a necessary part. With a good diet, your body has enough nutrients to grow taller naturally.

Step-by-step methods are available to help you if you are truly serious in growing taller.One of the more popular methods for height increase that you can look at is the Growing Taller 4 Idiots program.

Diabetes is a terrible disease that can not be cured. One must take proper diet, exercise and medication to stay healthy and control diabetes. Maintaining blood sugar level is necessary for proper functioning of each organ of our body, especially brain. Even a small fluctuation in sugar levels can affect the brain cells. Body cells lack food due to decreased sugar level and start damaging your body. Like low sugar levels, high sugar levels too is dangerous to your body. A person suffering from diabetes should abide by balanced diet. Generally obase people suffer from diabetes, hence they should adhere to lose weight diabetes diets which helps you stay healthy.

Proper diets are necessary to control diabetes and stay healthy. If you are overweight and suffering from diabetes, you need to follow a diet preapred to lose weight and keep your sugar levels to normal. Diabetes is very dangerous to life, hence it should be taken seriously. Consultation with a doctor is essential before you try and follow any lose weight diets for diabetes. There is no specific diet prepared to control diabetes, but one must know what type of food in what quantity should be taken in to lose weight.You can lose your weight and also control your blood sugar level by taking a good diet.

If you want to reduce your weight, you must take calories in adequate amount daily. Considering how much weight you are required to reduce, you will be required to plan food items. Do not consume fatty foods as they are harmful for you in reducing weight. There is no dearth of other essential minerals and vitamins in weight loss. Avoid using food products that contain more sugar. You need to consume small meals at short intervals.

You should take food that contains less calories to lose extra weight.  You have to be careful and stay away from sweeteners. Prepare sweets with artificial sweeteners that contain zero calories. Have fresh fruits and vegetables, and avoid use of meat if there is big amount of weight to lose stay away from it for few days. Drink plenty of water and fresh juices. If you consume heavy meals during the day, it is best to compensate it by eating less amount of food in the evening. Avoid junk food and eat vegetable sandwich, or salads made out of vegetables and try sticking to food that is home cooked in less or no oil.

If you know the characteristics of food items, you can eat every food in the right amount. Your food should be enriched with required calories.

You may consult a dietitian for better understanding of lose weight diets for diabetes.

An Excellent Healthy Drink for Diabetics

Did you know that flavored carbonated water has no calories, sugar, body, sweetener, color or preservatives?

It is extremely refreshing and fantastic in test and which gives diabetics a great drink without any carbohydrates. A large and affordable assortment of flavored carbonated water concentrate is available for free delivery world wide from www.allfreightfree.com.

Earache is the most widespread reason for office visits to pediatricians. More than 70 percent of children will have had a minimum of one earache by the age of three, and approximately one-third will have had three or more earache occurrences. Although, what might be unexpected is that earache is also the most common reason for children under the age of five years to be brought to the chiropractor’s office.

How Chiropractic Care Can Help Earache and Ear Infections

When a child with an earache is diagnosed with middle ear infection by the pediatrician, the general treatment includes a course of antibiotics. Advanced study, however, has concluded that this is often imprudent. The cause of the child’s middle ear infection may not be due to bacteria, and inasmuch as antibiotics are only effective against bacterial pathogens, quite often there will be no positive result. The reason for this is that numerous cases of middle ear infection can be caused by a virus, and viruses do not respond to antibiotics. This may be the reason why children develop chronic ear infections.

One of the many evaluations that a Honolulu chiropractor can make is whether the earache or ear infection is caused by irritation of the small nerves in the spine, called free nerve endings.

When these nerve endings are irritated, an abnormal tension is produced in the small muscles of the neck. This muscle tension can produce pressure on the lymphatic drainage ducts resulting in inadequate drainage from inside the ear, thereby preventing the body from its ability to naturally correct the problem. In addition, balance can also be affected.

Inadequate drainage of lymphatic ducts can be identifed by a chiropractor if there is more tension in the neck and paraspinal muscles on the side with the earache. The chiropractor also looks for spinal vertebrae that are either slightly out of alignment or are not moving within their normal range. This condition may have been the result of any one of the number of bangs, jolts and falls that the majority of children undergo in the early years of their life. Restoration of normal lymph drainage is most often accomplished with a short regimen of treatments that include spinal adjustments and manipulation of the neck muscles. If your child is struggling with an earache or an ear infection, call your Honolulu chiropractor as soon as possible.

Advanced Research and Guidelines

According to the Centers for Disease Control (CDC), ear infection, the most widespread childhood disease after the common cold, accounts for nearly 30 million doctor visits each year. In addition, at least 6 million courses of antibiotics are unnecessarily prescribed for the condition.Recently, the American Academy of Pediatrics (AAP) released new guidelines for treating pediatric ear inflammation, and definitively recommended a period of “watchful waiting” since, in many cases, infections clear up on their own, without medication.

The American Chiropractic Association (ACA) endorses the AAP on the guidelines and reiterates that chiropractic care is a “good first option” for treating ear infection conservatively. “Doctors of chiropractic have been treating children for decades with great success – helping them to avoid painful ear infections, antibiotic overuse and resistance, and ear tube surgery,” said ACA President Donald Krippendorf, DC. “Particularly when dealing with young children, drugs and surgery should be an absolute last resort.”