Looking for a simple way to make meditation part of your daily routine?

Looking for a simple way to make meditation part of your daily routine?

Looking for a way to make meditation part of your daily routine?  Consider giving this simple tea meditation a try.  How often do you make yourself a cup of tea?  Have you ever stopped to think about the steps involved in preparing and enjoying that cup of tea?  When considering the role of mindfulness in your daily schedule, the answer can be as simple as making your cup of tea.  Stop and take the time to consider every step involved in this process, take time to smell the aroma and then concentrate on the way you feel as you take the first few sips.  Sound simple enough?  Give it a try.  Will tea meditations become part of your daily routine?

by Denise Visco

Diabetes and Life Insurance-Do you know the facts?

Diabetes and Life Insurance-Do you know the facts?

November is Diabetes Awareness Month.  Do you know the implications of this disease with regard to obtaining Life Insurance?

Diabetes does not prevent you from buying Life Insurance but it comes with a significant price increase.  For example, a 57-year-old man with Type 2 diabetes and an A1C below 6.7 can buy a 20 yr. term policy for approximately $155 per month with a $250,000 death benefit, while the same man with an A1C above 6.7 and below 7.5, the premium would be approximately $232 per month for the same coverage.  The premium amounts are estimates but clearly show the difference between how the amount you would pay for Life Insurance differs.  The reason for this is that a person with a serious health condition such as diabetes is put in an insurer’s substandard class due to a higher risk of death.  Sounds frightening?  It is!

Is there anything you can do to avoid the higher premium and the high-risk category?  You can wait until your A1C is controlled for a minimum of 6 months before applying for Life Insurance.  There are also some companies that will accept proof that you have maintained a healthy diet and exercise program as well as maintained your medication schedule for a period of time and will make you eligible for the lower premium policy.  This information varies from carrier to carrier.  The best way to safely obtain this information is to purchase Life Insurance through a certified Life Insurance Representative.

If you would like more information on purchasing Life Insurance with diabetes or any other special health condition, contact Steven Visco at C.H. Edwards, Inc./Visco Family Insurance at 516-249-5200 or visit our website at www.chedwards.net.

by Denise Visco

Keeping your Skin Healthy in the Winter

Keeping your Skin Healthy in the Winter

Keeping your Skin Healthy in the Winter
Winter weather is not the best for your skin. Cold weather and low humidity levels result in dry air that steals moisture from your skin. Indoor heat, hot showers, and harsh cleansers also reduce moisture in your skin. This lack of moisture leads to chapping, redness, itching that is just plain uncomfortable. What can you do to try to beat these conditions and keep your skin healthy this Winter? Try some of these tips.
1. Wash with Lukewarm Water
Hot Showers and baths feel good, but when washing your hands or face choose lukewarm water to avoid stripping too many oils from your skin.
2. Moisturize as much as possible.
Keep moisturizer with you at all times and also keep it located in the bathroom near your sink and shower so it is available to use liberally every time you wash.
3. Choose Moisturizers Carefully
Some over-the-counter moisturizers have petroleum-based ingredients that can actually further dry your skin in winter months. Be sure to find a formula that has natural, nourishing ingredients. Look for something oil based rather than a water-based solution. Look for hydrating ingredients like lavender, chamomile or jojoba which help to soothe dry, itchy skin.
4. Protect your skin
Wear gloves and scarves. Don’t forget sunscreen. Winter sun can be just as damaging as summer.
5. Exfoliate
Moisture can’t get in if dead skin cells are plentiful. Find an exfoliating mask that you can use on your face, hands, and lips then follow up with a moisturizer. Exfoliating body washes are also helpful in winter months.
Try some of these tips to help keep that healthy glow all winter long.
The tips offered in Wellness Wednesday are suggestions for keeping healthy and do not replace the advice of a physician.
by Denise Visco
For more information on insurance, visit our website at www.chedwards.net
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Drink Tea For Better Heart Health

Drink Tea For Better Heart Health

Woman drinking green tea

A recent study found that drinking tea will lower your risk of heart disease. The USDA reported that men and women who drank black tea for three weeks reduced their total and bad cholesterol (LDL) levels by an average of 7.5 percent. Researchers concluded that drinking tea may reduce the risk of coronary heart disease. Antioxidants called flavonoids found in both black and green tea, are thought to be strong weapons in the fight against heart disease.

This news is especially important for women, given heart disease kills more women than all forms of cancer combined including breast cancer.

Think about enjoying a cup of tea each day and not only will you be taking a well deserved break, but you will also be taking an important step in improving your heart health.

Written by: Denise Visco

Flu Season is Here. Learn Ways to Help Prevent the Flu Virus from Hitting You This Season.

Flu Season is Here. Learn Ways to Help Prevent the Flu Virus from Hitting You This Season.

flu 2

It’s that time of year again, Flu Season. Unfortunately, as humans there is nothing we can do to completely stop the flu virus from entering our systems, but we can attempt to prevent it!

Here are some steps you can take in your daily life to help protect you from getting the flu. Simple things such as:

  • Wash your hands often with soap and water or a hand sanitizer.
  • Avoid touching your eyes, nose, or mouth, (germs are spread very easily this way).drinking water
  • Try to avoiding close contact with sick people, such as relatives and friends.
  • Practice good health habits such as getting enough sleep and exercising.
  • Drink plenty of fluids like water and juices high in Vitamin C.
  • Vitamin D which you can get from the sun should be supplemented.
  • Cover your nose and mouth with a tissue when you cough or sneeze.
  • If you are sick with flu-like illness, stay home for at least 24 hours after your fever is gone without the use of fever-reducing medicine. It is best to play it safe and not spread to those around you such as at work or school.

Aside from practicing these simple habits for preventing the flu virus, it is also a good idea to consider and talk to your doctor about getting the Flu Vaccination as well as taking preventive antiviral medications.

People most at risk are:

  • People 65 or older.
  • Young children .
  • Pregnant women.
  • People with chronic conditions like asthma, diabetes or heart an lung diseases.
  • Healthcare workers that is more likely to care for flu victims and come into contact with the flu virus.

Symptoms to look out for during flu season are:

  • A 100oF or higher fever or feeling feverish (not everyone with the flu has a fever).flu 1
  • A cough and/or sore throat.
  • A runny or stuffy nose.
  • Headaches and/or body aches.
  • Chills.
  • Fatigue.
  • Nausea, vomiting, and/or diarrhea (most common in children).

If at anytime you experience any of these symptoms you should visit your doctor immediately to seek treatment.

The Flu Virus is a virus that the body usually fight’s on its own. The best way to treat the Flu is:

  • Get plenty of rest.
  • Drink clear fluids like water, broth, sports drinks, or electrolyte beverages to prevent becoming dehydrated.
  • Place a cool, damp washcloth on your forehead, arms, and legs to reduce discomfort associated with a fever.
  • Put a humidifier in your room to make breathing easier.
  • Gargle salt water to soothe a sore throat.
  • Cover up with a warm blanket to calm chills.
  • If necessary over the counter medications may be helpful.

Stay in control of your health this Flu Season and take precautions when coming in contact with others. C.H. Edwards, wishes you healthy, Holiday Season!

Written by: Amanda Haase & Denise Visco