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What Insurance Does Dave Ramsey Recommend?

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What Insurance Does Dave Ramsey Recommend?

Dave Ramsey has recommended Zander Insurance for over 20 years –

but what coverages does he recommend? Insurance is intended to cover those risks you can’t handle financially, and in some cases, the insurance cost is so low there’s no reason to go without it.

Term Life Insurance

Life insurance is necessary for anyone with a family, depending on their income. It replaces your paycheck, covers funeral costs, and can offset any debts you would otherwise leave with your family. Dave recommends carrying 10-12 times your income on a 15-20-year term (a 30-year-term is okay for young families), which is enough time and money to accomplish your financial goals and eliminate the need for life insurance. Cash value (also known as “whole, universal, or variable life”) policies overcharge you in the early years when you could be using that money to pay down debt and grow your savings instead! If you’re following the Baby Steps, you won’t need life insurance for your “whole life,” – so why pay for it? These policies are full of fine print and savings gimmicks with a low return rate that only benefits the agent and company selling it to you. That’s why we only sell term life insurance, which provides the protection your family needs at a fraction of the cost.

Long-term Disability Insurance

Long-term disability insurance replaces your income if you become one of the 1 in 4 Americans who suffers a disabling event due to an illness or injury that prevents them from working. Did you know that half of all foreclosures and bankruptcies are attributed to disability? This coverage can be confusing, leading to it being the area where most people are uninsured. Dave recommends 60-70% of your monthly income in range, selecting the most extended elimination period your budget and emergency fund can afford, and a 5-year benefit period (or longer if you can afford it). If long-term disability coverage is available through your employer, that’s where Dave recommends you buy, as it’s often the most cost-effective option. If you don’t have a long-term disability and can’t get it through work, we can help ensure your paycheck is protected with the right benefits at the lowest possible cost.

Auto Insurance

Hopefully, you already have this one if you own a car – it is the law, after all! However, simply meeting your state’s requirements on car insurance coverage isn’t enough. Dave recommends selecting the highest deductible your emergency fund will allow (which lowers the premium, too!). At least $500,000 in property damage liability and bodily injury liability, and full comprehensive and collision coverage (though it may not be worth it to have a crush on an older vehicle, especially if you have the funds to replace it, so check with your agent!). Knowing what you need and what you don’t is the best way to ensure you have the right coverages while bypassing the unnecessary add-ons. Our Zander Insurance Guides will help you figure out how much coverage you need and shop the top companies to find you the most competitive options for your personal needs.

Homeowners Insurance

You probably already know that you need homeowners insurance if you have a home. But do you know if you have sufficient coverage? Most of the time, the mortgage company is only concerned with ensuring the loan amount. That means it’s up to you to worry and determine the replacement cost if something happens to your home (and often, the appraisal value has nothing to do with that). There’s a lot to consider, and it can be hard to determine what you need versus what is just a waste of money. Dave recommends choosing a higher deductible on your homeowner’s insurance to keep the premiums low and a guaranteed or extended replacement cost policy to ensure you have enough to rebuild in the event of a loss. He also suggests skipping home warranty-type products and redirecting that money into your emergency fund each year to cover any needed repairs or replacements.

Identity Theft Protection

In the digital age, our personal and financial information is everywhere – we all need a plan in case we’re one of the millions of Americans whose identities are stolen each year. Dave recommends that everyone have identity theft protection. He feels so strongly about it that he provides it for his entire team! Dave feels the most important thing to pay for is restoration services, allowing professionals to take over the work if you become a victim and saving you time, money, and frustration. Certain monitoring services can be beneficial, but he does not recommend pricey credit monitoring plans; that is something you can do yourself and save a bundle! That’s why Zander Identity Theft Solutions provides white-glove, full-service restoration, monitoring and alerts, $1 million in reimbursement, and free coverage for kids on our family plan. That’s right – kids! Did you know they are among the most vulnerable? Protecting their identity is a must.

Health Insurance

Not having the right health insurance coverage sets you up for a financial disaster. More than half a million Americans file for bankruptcy each year due to medical bills and health issues.1 But how do you know what health insurance is the “right kind”? Dave Ramsey recommends looking to your employer first when scoping out your options (they’ll share in the cost of the plan, which can be very cost-effective). It’s also a good idea to look for a program that includes a Health Savings Account (HSA), which allows you to save money tax-free for health-related expenses. Opt for a higher deductible plan with no co-pays so you can direct that money toward other financial priorities. A lot goes into selecting health insurance coverage, so don’t hesitate to reach out to us with questions. Zander Insurance partners with eHealth to connect you with quality plans at competitive prices, and we are always available to discuss your options.

Health

No scalpel vasectomy: A Simple, Effective Way To Prevent Unwanted Pregnancies.

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No Scalpel Vasectomy

A no-scalpel vasectomy is a quick and painless procedure that’s done in your doctor’s office, with the results lasting until you want to have children again. Sperm can still be ejaculated, but will not carry any sperm into your partner’s body, preventing unwanted pregnancies. You may be wondering how this type of vasectomy works and what it involves, so let’s take a look at some of the facts about no-scalpel vasectomies today.

Why I Chose It?


Vasectomies are the most common male form of birth control in the United States and are relatively easy to get with a doctor’s prescription. Some people might not want one for various reasons such as being against surgery or not wanting their partner to know about it. However, there is now an easier and less invasive option called No Scalpel Vasectomy (NSV). It entails cutting and sealing the tubes that carry sperm from the testicles to the semen without needing any incisions on the scrotum or penis, thus making it more comfortable than traditional vasectomies. It also doesn’t require anesthesia so you can do it at home and do things like work right afterward! The NSV technique was developed by Drs.

Reasons For You To Consider This Option:

  1. No scalpel vasectomy has less risk of infection than the traditional incision method. It also takes less time and is more comfortable for both patient and doctor.
  2. No scalpel vasectomy can be done on an outpatient basis with no overnight stay required, so it minimizes interruption to work, school or other daily activities for the patient or partner
  3. The procedure can be done in about 20 minutes and requires little pain medication afterward
  4. Unlike the traditional incision technique, no scalpel vasectomy leaves very little scarring so it is less visible through clothing after healing is complete
  5. As with any surgery-related procedure, complications such as bleeding or infection are possible but rare

What Happens During The Procedure?


The patient is first given intravenous anesthesia and the surgeon makes one or two small incisions in the scrotum. The testicles are then pulled up through the incision, and the tubes that carry sperm from them are sealed off and cut with a small electric current that burns and cauterizes them simultaneously. The incisions are then closed with stitches or surgical glue before the patient is allowed to return home.
The post-procedure recovery process will vary depending on how much tissue was excised during surgery but usually takes between seven days and two weeks for swelling to subside enough for someone who had no prior surgery experience to return to work or physical activity of any type.

How You Can Prepare?


To prepare for the procedure, talk with your health care provider about what you should do before and after your surgery. You will be given specific instructions and information that only applies to you. The following tips may be helpful in the days leading up to surgery:
-Pack an overnight bag so that you are prepared for post-surgery needs
-Drink plenty of fluids in order to stay hydrated -Eat light meals or snacks on the day of surgery
-Avoid all medicines (including vitamins) one day before surgery -Do not eat any solid food one hour before surgery

Recovering At Home:


The procedure is done under local anesthesia and takes about 15 minutes to complete. After the procedure, your doctor will give you instructions on how to care for your incision site and provide pain medications if necessary. You will be asked to refrain from any heavy lifting or sexual activity for two weeks while the incision site heals, but otherwise, you can resume normal activities immediately following the procedure.

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UTI treatment St. John

Side Effects:


The procedure is quick and doesn’t require anesthesia since it does not involve any cutting or stitches. Patients will experience post-procedure pain similar to that of a surgical procedure, including swelling, bruising, and soreness in the area where the vasectomy was performed for up to three days after the surgery. If you are considering this method of contraception, be sure you weigh the pros and cons with your partner before going through with it. There is also a small risk of infection and bleeding following the surgery which can lead to serious complications if left untreated.

Further Reading:


A vasicide is typically recommended for at least three months before the operation, in order to clear any remaining sperm from the tubes. The procedure is then done without using a scalpel as with other sterilization methods – instead, it uses an instrument called the ‘no-scalpel technique’. It is quick and simple and has been hailed as more comfortable for patients than traditional surgery methods and it has been used for years by urologists in India and China where there are fewer trained doctors available.

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Health

Does High Blood Pressure Cause an ED Problem?

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Does High Blood Pressure Cause an ED Problem?

If you have a high blood pressure, then it’s possible that you have an ED problem. Your doctor can perform a variety of tests and review your health history to determine the underlying cause of your ED. He will also recommend a personalized treating medicine like Cenforce 100. If you’re experiencing an ED problem, you should schedule an appointment with a urologist, who can help you understand your symptoms and determine the best way to solve them.

Diuretics can reduce blood flow to penis

Diuretics are drugs that reduce the amount of fluid in your body and can reduce blood flow to the penis when high blood pressure causes an erectile dysfunction problem. The effects of diuretics on the penis include reduced blood flow, decreased testosterone production, and decreased muscle contraction. If you are suffering from ED and are taking diuretics, you should talk with your doctor about the potential side effects. You may be able to change the dosage and avoid ED altogether. You can also try Cenforce 200 oral medicine for curing ED.

Some diuretics can lower the amount of force needed to erect, but they can cause a rebound problem. They can also cause a drop in the level of zinc in the blood, which is necessary for the body to make testosterone. Beta-blockers, another type of medication, can inhibit testosterone production in the body. They can also cause depression and lower sexual arousal.

Zinc deficiency

It is estimated that about 17% of the world’s population suffers from zinc deficiency. It is usually more prevalent in the developing world, where poor diets are more common. Fortunately, most people in developed nations receive sufficient amounts of zinc through their diets. However, low zinc levels can affect health and can cause problems with sexual function. People who eat meat and fish are at the highest risk of having low zinc levels.

In case of zinc deficiency, doctors often recommend supplementation. But it is important to remember that too much zinc can lead to adverse side effects, including toxicity. It is recommended that adults consume no more than 40 milligrams of zinc a day. If you are taking supplements, you must consult a medical professional to determine the right dose and duration of supplementation.

Damaged arteries

High blood pressure causes plaque buildup on the artery walls, preventing blood from flowing through them. This leads to an increase in the risk of heart attacks and strokes. If this condition is left untreated, it can also damage other important organs, such as the kidneys and brain.

High blood pressure can cause the walls of arteries to weaken and rupture. This can lead to a condition called an aneurysm, a potentially fatal rupture. An aneurysm can occur in any artery but is most common in the aorta, a large artery that runs through the middle of the body. This condition can cause symptoms of chest pain and abnormal heart rhythm. If the artery becomes completely blocked, it can cause a heart attack.

When blood pressure is normal, arteries are smooth and springy. When high blood pressure builds, the walls of arteries are damaged, making them more vulnerable to buildup of plaque and blockages. If the blockage occurs near the heart or brain, it can lead to a heart attack or stroke. Studies show that about seven out of every 10 people who experience their first heart attack or stroke have high blood pressure. High blood pressure is also associated with a higher risk of heart disease, stroke, and heart failure.

Diuretics lower zinc levels

Diabetics and other drugs that reduce blood pressure may lower zinc levels in patients. However, they also may cause side effects. For example, they may cause zincuria. Patients with this condition should consult a doctor for a proper diet. Zinc levels are low in people with heart failure and may be affected by medications and poor absorption. In addition, patients who are on very restrictive diets may have zinc deficiencies.

Zinc deficiency is common among chronic illnesses, including diabetes and kidney disease. Although the cause of zinc deficiency is unclear, zinc-deficient blood is associated with increased blood pressure and other symptoms. This is because zinc may help regulate certain proteins that regulate the NCC.

Lifestyle changes to lower blood pressure

Many men suffer from erectile dysfunction (ED), and this problem is directly related to high blood pressure (hypertension). High blood pressure slows down organs and tissues, and causes erectile dysfunction in as many as 30% of men. Lifestyle changes are one way to lower your blood pressure and help prevent ED.

If you notice your erections are erratic or disappear completely, you may be experiencing ED as a side effect of taking BP medication. If this occurs, consult with your doctor to change your medication. It can take several weeks for erections to return.

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What are the three keys to good health?

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What are the three keys to good health?

Here are “three main keys to good health, and you’re probably familiar with at least one of them. These are all excellent ways to live a healthier lifestyle, but they aren’t the only ways you can do to live healthier and longer. Learn about the three keys to good health below.

Importance of good health

It’s not just about looking and feeling your best, though. It is also about being healthier and happier. Good health means that you have a higher quality of life and can do more of what you want without fear of injury or sickness. We all know that healthy eating habits and exercise are important, but sometimes these things seem impossible when it comes to work, family life, or other responsibilities.

Key #1: Exercise          

Exercising regularly is one of the three keys to good health. There are many different types of exercise you can do, so there’s no excuse for not getting up and moving! Cardio exercises like running, walking, biking and hiking all help improve your heart and lung health. Aerobic exercises like dancing; cycling or swimming will tone muscles as well as improve blood flow. And strength training with weights or yoga helps build muscle mass and bone density, which reduces injury risk. A healthy body is a happy body, so don’t be afraid to get up from that desk and walk around for a bit!

Key #2: Diet

Eating a healthy diet is not only essential for maintaining a healthy body, but also for helping your mind function at its best. When you eat well, you have more energy and focus; when you don’t, it’s difficult to get anything done. It’s easy to fall into bad habits with food because there is so much temptation everywhere—but that doesn’t mean it’s impossible. There are many small changes you can make in order to start eating healthier without feeling like you’re depriving yourself of all your favorite things.

Key #3: Regular Sleep

Regular sleep is one of the three keys to good health. When you don’t get enough sleep, your immune system and ability to fight disease decreases. Sleep also helps control stress hormones and regulates body temperature. Aim for eight hours each night. Put away all screens an hour before bedtime and set a consistent bedtime routine. Avoid napping during the day as this can actually make it harder to sleep at night because it confuses your natural circadian rhythm.

Why exercise is good for health?

The best way to improve your mood is to exercise. It can help you sleep better, boost your immune system and reduce your risk for heart disease and diabetes. Exercise can help you lose weight and keep it off, but it’s important to find an activity that you enjoy doing so you’ll stick with it. Do some research online or ask a trainer at your gym for advice on which type of exercise will work best for your fitness level and needs.

How a good diet helps for health

A diet that is high in fruits, vegetables and whole grains can help reduce cancer risk. The fiber in these foods will also help lower cholesterol and promote bowel regularity. The fiber in these foods will also help lower cholesterol and promote bowel regularity. Your immune system will be healthier if you eat enough fruit, vegetables, and whole grains because they contain a range of nutrients that may protect cells from damage caused by viruses or toxins. The antioxidants found in these healthy foods may also protect you from chronic diseases such as heart disease, diabetes, and arthritis.

The benefits of regular sleep

One key to good health is getting enough sleep. When you don’t get enough sleep, your body struggles with regulating hormones and immune function. Lack of sleep also leads to weight gain and increased risk for heart disease, diabetes, and other chronic conditions. In fact, new research shows that sleeping more could lead to a 20% reduction in heart attacks! To improve your sleep, avoid caffeine late in the day, avoid alcohol before bedtime, try not to eat a heavy meal before bedtime, and exercise regularly.

I hope this article gives you more information. Thank you and please give your feed back.

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