Money and Technology

Saving, investing and making money with technology

SingleCare Helps You Save Big on Prescription Drugs

Are you tired of paying hundreds of dollars for your medical bills? Did you know that U.S. residents pay three times more for drugs than in Britain? According to the Journal of the American Medical Association, healthcare costs in the USA are twice as much as 10 other high-income nations such as the UK, Australia, France, and Switzerland. Apart from high doctor fees and administrative costs, Americans also have to shell out considerable amounts for prescription drugs. In fact, an average American can spend around $1,200 per year on prescription drugs which is more than anywhere in the world. For certain drugs like cancer medications, the costs come down to $10,000 per month!

Is there a way to get your medication at lower prices and save your hard-earned money?

If you are looking for answers to the above question, then SingleCare can help you out by offering huge discounts on your prescriptions – up to 80%! I like SingleCare because of the low prices and there are no fees and premiums to pay which means you can save money instantly.

What is SingleCare?

SingleCare is a healthcare company that offers transparent, affordable pricing on prescriptions. It’s free, easy to use, and regardless of your coverage status, you can save money when you use their pharmacy savings card and coupons. Their cards and coupons can by physical or online – whatever works best for you!

You don’t need to pay anything to create your account and are charged only when you fill a prescription at the pharmacy.

How can I Save Money on Prescription Drugs?

The first thing you want to do is go to the website and/or mobile app to search for your prescriptions. It’s like a search engine for your prescription savings, where you type in the name of your script and enter your zip code. The results page allows you to adjust the dosage and quantity of your prescription and below it shows you pricing at each of the partner pharmacies. There you can select your coupon and have it texted to you, sent via email, or get a PDF version to print. Very easy!

The SingleCare pharmacy savings card is accepted nationwide at over 35,000 pharmacies including Target, Walmart, CVS, Kroger, Longs Drugs, Walgreens, Harris Teeter, Fry’s, Duane Reade and more!

You can get an average savings of 50% on medicines which also includes prescriptions for your pets. Some over-the-counter medicines are also included under the savings program if you have a prescription for them. I was recently online searching for some amoxicillin antibiotic tablets and I found them, but, the price was very high $66.70, then when I searched on SingleCare.com and Walgreens the prices was much lower $14.95. And also, since I am a first time customer, I saved an extra $5 off my first prescription.

SingleCare is Your Way to Affordable Medicines and Healthcare

With options like SingleCare, you don’t have to worry even if you don’t have insurance or if you want an alternative to your insurance. From helping you fund in the cost with third-party options to ensuring you pay less, you’ll love what you’ll see

SingleCare has helped millions of Americans to save hundreds of millions of dollars on prescription drugs. You can become one of them by signing up for SingleCare through their website and/or mobile app. It doesn’t matter whether you have insurance or not- everyone can take advantage of the medical discount plan without any restrictions! Are you tired of paying hundreds of dollars for your medical bills?

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3 Tips to Maximize Compensation in an Accident Injury Claim

If you’ve been in a road accident that resulted in personal injury, you know the challenges of dealing with such a situation—overwhelming medical bills, immobility, disruption in personal life, loss of employment, loss of personal property, and continued emotional suffering.

While going through the trauma of dealing with severe injuries or losing a loved one to an accident, you should not have to worry about your finances, which is why it’s important to avoid mistakes that could jeopardize your fight for fair compensation.

Ensure that your injuries are well documented

Many times, unless the injuries in a road accident are severe, victims tend to avoid seeking medical treatment. In such cases, it becomes extremely difficult for them to claim compensation should an internal injury or health problem surface later because of the accident.

Don Ernst from ErnstLawGroup.com explains that the best way to receive compensation from an accident is to have your injuries documented by a doctor. Self-documentation does not work, and your medical insurance company will most likely deny your claim in the absence of proper medical records.

To protect your right to receive lawful compensation for your suffering, it’s essential that you visit a qualified doctor immediately after an accident and maintain proper medical records, including bills, prescriptions and test results. In addition, avoid telling the doctor that you feel fine, as this might work against you in case of a claim. Instead, allow the physician to examine you and order any tests they may find necessary.

Hire an experienced road accident lawyer

Having access to sound legal counsel can make a tremendous difference in the way the insurance company handles your claim and the amount of compensation they end up awarding to you. An attorney who specializes in personal injury claims arising from traffic accidents will have the knowledge and expertise to investigate your case and collect evidence, develop a strong case, and do everything to maximize the compensation due to you.
Whether your claim ends up in an out-of-court settlement with the defendant or goes to trial, working with a good personal injury advocate will ensure your rights are protected and the guilty are brought to book.

Don’t accept a settlement that appears generous but really isn’t
Often, accident survivors or victims’ families tend to settle for the first amount offered by an insurance company so that they can move on with their lives. This usually happens because, even if the sum offered may not be fair, it appears generous enough or meets the victim’s immediate medical and other costs.

In the absence of legal advice, personal injury victims fail to take into account future damages such as loss of work due to prolonged recovery period, emotional damages, loss of personal property such as cell phone or laptop damaged in the accident, cost of travel to medical clinic, and many

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Fund Your Dreams: The Best Place to Get a Personal Loan Online

When you need to get a personal loan, it can feel like an isolating and stressful experience. But the truth is that you are not alone, as personal loans in 2018 amounted to over $120 billion dollars in the United States.

No matter what you need your personal loan for, there is a personal loan for everybody, regardless of your credit or your reasoning behind the loan. Dive into this personal guide to find the best place to get a personal loan.

Best Place to Get a Personal Loan

There are a number of personal loans on the market, with enough out there to cover any need or credit rating. You will find that if your credit score needs some work, you can still get a personal loan.

Sometimes even just looking into small personal loans will help improve your credit score. But if you need a little help with your credit score, learn more about understanding your credit score and how to improve credit ratings before you apply.

Personal loans online are divided into a number of categories, and this is usually dependent on your credit score. You will find that personal loans come with lower interest rates when you have good credit, and with poor credit, the lender takes a higher risk and generally offers a higher interest rate.

Some of the most common personal loans online are from Prosper, Wells Fargo, and Lending Club. These lenders are more useful to those with better than average credit scores.

Types of Personal Loans

For excellent credit, places like Freedom Plus and Earnest offer personal loans as well. Peerform and Avant help those with average credit.

And websites such as OneMain and BadCreditLoans.com are there for those that need help with their credit scores.

Discover the best type of loan for those with poor credit.

The most common reason for getting a loan is to consolidate your high-interest debt, but they can be taken out for anything. Adoption fees, medical bills, house repairs, wedding, car issues, or any sudden need for cash can be your reasoning.

A general rule of thumb is that you are likely to get a higher personal loan when you have good credit. But even average or poor credit can get you a personal loan if you shop in the right place.

Best Personal Loans for Good Credit

The best personal loans if you have good credit are from places such as Lending Club and Wells Fargo. Here you will find lower interest rates and a higher potential for the amount of a personal loan.

Interest rates for those with good credit can be as low as 6.95 percent, but even those with good credit might see a high-interest rate at 35.89 percent. Read the fine print on the applications, as you may pay a fee just for applying.

Even so, with good credit, you could get a loan as high as $40,000 and a term as long as five years to pay it back. Wells Fargo may offer even higher personal loans up to $100,000 if your credit is very good.

Best Personal Loans for Average Credit

If your credit isn’t in the best shape, you will find that you don’t have many options when it comes to personal loans. Or at least, your options are slimmer.

You may not have the option of shopping around for interest rates and may get a smaller loan as a result.

Even so, there are many lenders today willing to help out. They will earn your business through a higher interest rate, making it a win-win for everybody.

Personal loans for average credit can still offer interest rates around 5.99 percent but can go as high as 35 percent.

Places such as Peerform and Avant are known to be extremely helpful in offering personal loans. These personal loans can go as high as $35,000 depending on your exact credit situation and need for a loan.

You are likely to find that there is a small processing fee for the application.

Best Personal Loans for Bad Credit

If you have a credit rating under the 600 mark, you may be considered a risk by lenders. But credit scores are evolving, and the more you work to improve your credit score, the faster it will improve.

Don’t sweat it if you need a personal loan and have bad credit. Websites such as BedCreditLoans.com and One Main can help you.

You won’t necessarily be stuck with a high-interest rate either. Some loans offer interest rates as low as 5.99 percent.

You may not get a high personal loan amount, but it could be a start in the right direction if you are rebuilding your credit.

At One Main, higher personal loan amounts are available for those with bad credit. These can go as high as $30,000, but you may be paying interest as high as 35.99 percent as well.

Before you apply for personal loans online, check your credit rating, and see if there are any errors. Clean that up before you apply.

If your credit score is lower than 600, you may be better off applying for a personal loan.

Do Your Research

Personal loans are a significant component of the economy, comprising 1.5 percent of consumer debt. Personal loans can be used for anything from credit card consolidation to home repairs or even a vacation.

It is estimated that 60 percent of personal loan applicants using the funds for credit card debt. Do your research to prepare yourself for approval before you apply.

There are 19.5 million outstanding personal loans in the United States, totaling billions of dollars. When you are looking for the best place to find a personal loan, know that you are not alone.

There is a personal loan out there for everybody, regardless of need or credit score. Don’t let one denial stop you.

As many as 24 percent of American applicants will receive at least one denial on their quest for the best personal loan. Before you search for the best place to get a personal loan, empower yourself with these 4 tips on reaching your financial goals and dreams.

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How To Avoid Getting Fake Car Insurance

Ever since the dawn of civilization of civilization fake products have existed in the market. Fakers haven’t stopped. This time, it’s not only products that are being faked – services are being faked too.

Providers and regulators never stop informing the public about fake services. Yet there are still people who fall for these fakes over and over again. Some con artists are so adept at making their services look real.

The automobile industry is no exception. Sketchy car insurance websites are out there selling fake policies and deals. In this article, we will discuss how you can avoid falling for such counterfeit services.

Understanding mandatory car insurance

You need car insurance to avoid financial loss in case of a car accident. It saves you from shouldering the repair cost. The law mandates liability insurance to protect other people from you and your car. This will cover paying for damages and injuries done to others.

Understand the insurance policies

The two basic insurance types are liability insurance and comprehensive insurance. The liability insurance pays for damage you’ve done to others. Comprehensive insurance covers damage to your car due to natural causes, or in case of theft and accidents. You can learn more about this when you consult insurance providers.

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Agents

First-time car insurance buyers often talk to insurance agents suggested by car dealers. Or sometimes, the car dealers offer you insurance too. If you are dealing with an agent, be sure to run a background check. This will help you avoid con artists.

You need to check and read the documents the agent gives you. Sometimes you might find sketchy clauses in your contract. Clarify what these means first before signing. You can always ask to see their license.

Car insurance companies

Scam artists have adapted and started getting into new technology. If you want to make a purchase with your insurance company, it’s safer to go to their branch office instead of going online. However, the downside is that it can be quite an inconvenience.

If you can’t go to the physical office, there’s another way to make sure the website is not a scam. Look for the customer service contact number and call it. If there is none, it is probably fake. If they don’t answer or is answered by a suspicious-sounding person, be wary.

Online aggregators

Some online aggregators can find insurance deals for you online. If you visit their website and avail of their services, they will do the comparing of premiums for you. Keep in mind that you should make sure their website is secured. To do this, look for the green padlock icon near the search bar where the website name is located. Keep in mind that you should check coverages too and not just prices.

You should make an informed choice

It doesn’t really matter where you choose to purchase your insurance. You have to make sure that you are making the right choice. Keep in mind the tips in this article and seek to further understand how getting an insurance works. If you master what each coverage does and how to get them, you won’t fall for fake auto insurance.

""

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How To Avoid Getting Fake Car Insurance

Ever since the dawn of civilization of civilization fake products have existed in the market. Fakers haven’t stopped. This time, it’s not only products that are being faked – services are being faked too.

Providers and regulators never stop informing the public about fake services. Yet there are still people who fall for these fakes over and over again. Some con artists are so adept at making their services look real.

The automobile industry is no exception. Sketchy car insurance websites are out there selling fake policies and deals. In this article, we will discuss how you can avoid falling for such counterfeit services.

Understanding mandatory car insurance

You need car insurance to avoid financial loss in case of a car accident. It saves you from shouldering the repair cost. The law mandates liability insurance to protect other people from you and your car. This will cover paying for damages and injuries done to others.

Understand the insurance policies

The two basic insurance types are liability insurance and comprehensive insurance. The liability insurance pays for damage you’ve done to others. Comprehensive insurance covers damage to your car due to natural causes, or in case of theft and accidents. You can learn more about this when you consult insurance providers.

""

Agents

First-time car insurance buyers often talk to insurance agents suggested by car dealers. Or sometimes, the car dealers offer you insurance too. If you are dealing with an agent, be sure to run a background check. This will help you avoid con artists.

You need to check and read the documents the agent gives you. Sometimes you might find sketchy clauses in your contract. Clarify what these means first before signing. You can always ask to see their license.

Car insurance companies

Scam artists have adapted and started getting into new technology. If you want to make a purchase with your insurance company, it’s safer to go to their branch office instead of going online. However, the downside is that it can be quite an inconvenience.

If you can’t go to the physical office, there’s another way to make sure the website is not a scam. Look for the customer service contact number and call it. If there is none, it is probably fake. If they don’t answer or is answered by a suspicious-sounding person, be wary.

Online aggregators

Some online aggregators can find insurance deals for you online. If you visit their website and avail of their services, they will do the comparing of premiums for you. Keep in mind that you should make sure their website is secured. To do this, look for the green padlock icon near the search bar where the website name is located. Keep in mind that you should check coverages too and not just prices.

You should make an informed choice

It doesn’t really matter where you choose to purchase your insurance. You have to make sure that you are making the right choice. Keep in mind the tips in this article and seek to further understand how getting an insurance works. If you master what each coverage does and how to get them, you won’t fall for fake auto insurance.

""

Please visit my new Blog: Click here!

Continue Reading

How To Avoid Getting Fake Car Insurance

Ever since the dawn of civilization of civilization fake products have existed in the market. Fakers haven’t stopped. This time, it’s not only products that are being faked – services are being faked too.

Providers and regulators never stop informing the public about fake services. Yet there are still people who fall for these fakes over and over again. Some con artists are so adept at making their services look real.

The automobile industry is no exception. Sketchy car insurance websites are out there selling fake policies and deals. In this article, we will discuss how you can avoid falling for such counterfeit services.

Understanding mandatory car insurance

You need car insurance to avoid financial loss in case of a car accident. It saves you from shouldering the repair cost. The law mandates liability insurance to protect other people from you and your car. This will cover paying for damages and injuries done to others.

Understand the insurance policies

The two basic insurance types are liability insurance and comprehensive insurance. The liability insurance pays for damage you’ve done to others. Comprehensive insurance covers damage to your car due to natural causes, or in case of theft and accidents. You can learn more about this when you consult insurance providers.

""

Agents

First-time car insurance buyers often talk to insurance agents suggested by car dealers. Or sometimes, the car dealers offer you insurance too. If you are dealing with an agent, be sure to run a background check. This will help you avoid con artists.

You need to check and read the documents the agent gives you. Sometimes you might find sketchy clauses in your contract. Clarify what these means first before signing. You can always ask to see their license.

Car insurance companies

Scam artists have adapted and started getting into new technology. If you want to make a purchase with your insurance company, it’s safer to go to their branch office instead of going online. However, the downside is that it can be quite an inconvenience.

If you can’t go to the physical office, there’s another way to make sure the website is not a scam. Look for the customer service contact number and call it. If there is none, it is probably fake. If they don’t answer or is answered by a suspicious-sounding person, be wary.

Online aggregators

Some online aggregators can find insurance deals for you online. If you visit their website and avail of their services, they will do the comparing of premiums for you. Keep in mind that you should make sure their website is secured. To do this, look for the green padlock icon near the search bar where the website name is located. Keep in mind that you should check coverages too and not just prices.

You should make an informed choice

It doesn’t really matter where you choose to purchase your insurance. You have to make sure that you are making the right choice. Keep in mind the tips in this article and seek to further understand how getting an insurance works. If you master what each coverage does and how to get them, you won’t fall for fake auto insurance.

""

Please visit my new Blog: Click here!

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Top 5 Attractions and Places to Visit in Sikkim

Places to Visit in Sikkim

Sikkim, one of the most beautiful states of northeast India. This serene place is beautifully landlocked with natural beauty.  There are a lot of activities which could be done in the state. These activities will give you mental peace and will remove all the tiredness of the day.

Apart from these activities, one could enjoy the eye-catching view of the Himalayan peaks and the snowfall. Sikkim is not the most accessible region in India and you will need passes to visit several parts but the experience is soothing and refreshing. Book your flight tickets to Sikkim through TalkCharge and use Musafir offers for best offers and deals.

Here are the top 5 attractions and places to visit in Sikkim

1. Gangtok

Gangtok, the capital of Sikkim is located at 5,500 feet above sea level. When the weather is clear tourists could possibly see as far as Kanchenjunga, the third highest peak in the world. The city is very clean and refreshing, basically, every tourist stays in this beautiful city for 2 days to make further travel arrangement.

Gangtok has everything, serene views, gurgling water and lush forest. For those who love the peace of nature, a holiday in this scenic city is enough to satisfy their travel lust.

2. Tsomgo Lake

While visiting Gangtok one must visit Tsomogo Lake located at a distance of only 38 km from the capital city. The lake is located at a height of 12,400 ft and is one of the highest lakes in India. You have to trek to reach the lake, the trail is filled with Rocky Mountains. The lake remains frozen in the winter while in the summer one could feel a completely different magical charm in the surrounding. It is during this time that the lake reflects the view of alluring peaks nearby.

3. Nathula Pass

Nathula Pass is around 3 hours east of Gangtok town and shares border with China. It is a part of the historic ‘Silk route’ which was a major trade route in very early times. One must get prior permission to visit Nathu La, it is one of the highest motorable passes in the world located at a height of 4,310 m above sea level. The border consists of a barbed wire fence and you will get the thrill to see the Chinese soldiers on the other side.

4. Yuksom and Dzongri Trail

Sikkim is a paradise for trekkers. There are many amazing trekking trails out of which Dzongri and Goche La are the most sorted ones. Yuksom is an old historical town in West Sikkim. If you’re looking for solitude this could be a perfect place to spend some time away from the hustle bustle of the city. The trek begins from Yuksom to Dzongri Peak and goes all the way further to Goche La. This is a long trek and if you’re up for a challenge then this is one of the must-do adventures in Sikkim.

5. Lachung, Lachen and Yumthung valley

In North Sikkim, around 6 hours from Gangtok at 9000 ft is Yumthung Valley blessed with pristine scenes. It is a distant village in North Sikkim and is home for many nomadic tribes of Sikkim. One must these places to experience snowfall in Sikkim. All these three places are beautiful and there are many places one could visit in the area. Yumthung valley is home to several rare, exotic and wild species of flora and fauna. North Sikkim is a restricted part so you will need to get a pass to visit these areas.

If you are planning to visit Sikkim, book your SpiceJet flight tickets through TalkCharge, but wait!! don’t forget to get exclusive SpiceJet coupons from TalkCharge which will offer you flights at a discounted price.

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Owning Pets Can Make You Healthy

We all know dogs are considered human’s best friend. And we love our pets a lot. Whether you have a dog or cat they are so joyful to around. And they really make feel less stressed when you feeling down.

But aside from the obvious loyal companion perks; our furry, four-legged friends provide many little known health benefits—that range from lowering the risk of heart disease to heightening immune strength.

So here’s to giving a much-deserved scratch behind the ears to our lovable Dalmatians, loyal Labrador retrievers, pint-sized poodles, and every mutt in between for the following health advantages of ownership.

Health Benefits Associated with Having Pets

Whether you’ve grown up with pets or recently adopted one, you may already know how beneficial sharing your home with a furry friend can be. From enhancing social skills and staying active to decreasing the risk of depression and teaching responsibility, sharing your home with a furry companion offers numerous health benefits.

Pets, Especially Dogs, Keep You Active

You may be tempted to come home after a long day at work and sit down on the couch, but if you come home to an excited pooch, chances are you’ll take him or her for a walk instead. The Centre for Disease Control and Prevention (CDC) and the National Institute of Health (NIH) have both conducted studies that prove pet owners exhibit decreased blood pressure and cholesterol and triglyceride levels, which can minimize the risk of having a heart attack.

Exercising your dog doesn’t have to be limited to walking. Agility training, jogging, biking, rollerblading, hiking, and even doga (Yoga with dogs) are all great activities that will keep both you and your dog active and healthy

You can Beat the Blues With Your Pet

Who can resist a purring kitten or wagging tail? There’s a reason why animals are used in hospitals, schools, and nursing homes for animal-assisted therapy. Studies have shown that animals can reduce tension and improve mood. Not only do they offer unconditional love, pets offer companionship if you’re feeling lonely or you need motivation to get out of the house. They don’t judge or critique your actions—they simply want to be with you. If you’ve had a bad day at the office or you’ve had an argument, a pet can distract you and help you redirect your feelings to shake your bad mood off.

Get Great Health Benefits from Having a Pet

Exercise can be mundane and boring. For some, venturing to the local gym to workout isn’t enough encouragement. A four-legged fitness buddy may be exactly what you need to get off the couch and out the door. Here are seven ways to get exercise with your dog that will make you both happy.

Walking With your Pets

And aside from companionship, most dog owners welcome a dog into their family to have a walking companion. Brisk walking is a great way for both dog and owner to get some exercise. Not only does is lead to a strong heart, lower blood pressure, denser bones, and more energy, it’s a great way to bond with your pooch.

You can enlist the help of a dog trainer can teach you and your dog how to walk nicely on a leash without pulling. There is no rule as to how far you should walk, but make sure if you have a puppy, that you build up the duration of the walk gradually.

If your dog is with you on a walk or you’re sharing a story about your house cat, pets can be an icebreaker in any social setting. Pets provide a common denominator when chatting with other pet owners or animal lovers.

And the people who are socially awkward or introverted and have a hard time meeting and getting to know people, a friendly dog saying hello can be all it takes to start a conversation. Visiting a local dog park, taking obedience classes or walking in the neighborhood provides ample opportunities for both you and your dog to interact with two and four legged friends.

Tips for Summer Exercise with Your Dog

Research tells us that working out with a buddy not only increases the incentive for exercise, but also keeps us accountable to our fitness goals. Whoever said that your partner in runs had to be two-legged instead of 4-legged?

And also, running with your most loyal friend is a great way to bond and get outdoors for some decent daily exercise to boot! Plus, Fido won’t likely complain the entire time about his or her spouse. Here are seven tips to keep in mind when taking your precious pooch along for a run.

Walk Your Dog on A Leash

For the safety of your pet, you, and passersby, your dog should always be leashed when you’re running in a public space (i.e., parks, beaches, community trails). Not only will a leash ensure your dog doesn’t travel underfoot and trip you up during a run—it will also ensure your pet keeps pace with you and doesn’t wander off.

And if you own a retractable leash, leave it at home or lock in the distance at roughly 6-feet so you don’t leave too much distance between you and your pet. Too much space could lead to your pet getting tangled under other people, kids, pets, and cyclists on route, which poses a safety hazard.

It’s easy to get dehydrated on a long run, especially if on days when it’s particularly hot and humid outside. That’s why you should ensure you and your 4-legged running buddy stay properly hydrated before, during, and following your workouts.

If you run long distances with your dog, bring a water bottle along for the trek. This way you can prevent your pet from drinking from contaminated puddles and dirty lakes or ponds. Believe me, if he or she is thirsty enough, a dog will drink from almost anywhere and could get sick without a clean water source available.

You Will Have to Poop and Scoop

Despite the fact that you’re in the middle of a workout, you still have several responsibilities as a pet owner. One of your primary obligations is to follow “poop and scoop” regulations in accordance with your city laws (and in compliance with being a respectful human being).

Chances are, thanks to gravitational pull and when he or she last chowed down, that your canine pal might need to make a pit stop along your running route to do some business. That means you’ll need to carry the proper disposal materials (poo bags) along with you so you can do your “doodie” duty. Treat your pet with the utmost respect.

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7 Ways to Deal with the Negative People in your Life

Have you ever been faced with trying to stay positive when others around you are negative? Negative people can be a challenge to be around. They will bring you down and drain your energy. A negative person can throw your best laid plans to be positive right out the window.

Whether your child or spouse has an occasional negative day or you deal with a family member, friend or co-worker that is chronically negative, there are things you can do to remain positive in the face of negativity.

1) Let the Negativity Pass

Whatever you do, do not argue with a negative person. Arguing only adds fuel to the fire. A negative person will feed off any negativity that will strengthen his mood or attitude. I have noticed when my children are in a crabby mood, it is best to avoid trying to convince them to analyze and adjust their attitude. As soon as I take the approach of being in opposition with them, they seize the opportunity to prove to me that life stinks. Their negativity intensifies and the situation gets worse before it gets better. Sometimes the best thing to do is remain silent and let the negativity pass.

2) Negative People Need Love

You know how difficult it can be to give love and positive attention to negative people. Unfortunately, that is often exactly what they need. Deep inside that mean and critical person is a person that is usually afraid he or she is unlovable. It is our challenge to rise above the negative attitude and love the injured person inside. How do you show love when someone is negative? You must listen to what she is trying to tell you. Acknowledge the feelings she has by saying something like, “You sound very angry right now”. Even if you don’t quite understand the person’s feelings, know that your reality is different than someone else’s. Ask how you might help the negative person. This shows legitimate interest in her happiness. Offer a hug even if you get rejected. Remember not to take a rejection of your love personally. A negative person often has difficulty receiving love from others.

3) Focus on the Positive

If you try really hard, there is always something positive to be found in any situation. Pretend you are on a treasure hunt and search for any gold or jewels you can emphasize. Even a negative person has positive qualities. When a person is drowning in negativity, it can be difficult for them to see the positive. So often my clients focus on the negative aspects of themselves. They forget about all the great things they are doing. I admit that sometimes a negative person doesn’t want to see the positive. This might require her to shift her outlook. Negativity can become a habit and habits are hard to break. Be patient and gently remind your grumpy friend or family member to look for the pot of gold at the end of the rainbow. Hopefully, in her down time, she will begin to reflect on what you have said.

4) Ask Negative People to Elaborate

You may hear a negative person say things like: “Women are fickle.” “You can’t trust doctors.” “My husband makes me miserable.” These kinds of statements are a type of cognitive distortion referred to as generalizations. To help a person sort through her distorted thinking, ask for more specifics. Questions like “Which women are fickle?” or “What specifically about your husband is making you miserable?” forces a person to evaluate what he or she is really trying to say. A negative person will either give up because it takes too much effort to explain himself, or he or she will get to the bottom of the issue.

5) Detach and Avoid Trying to Change the Negative Person

Learning to detach emotionally from a negative person can greatly benefit you and the other person. A negative person will fight you if you try to change them. If you want, you can try a little reverse psychology and agree with everything she says. I once read a great article about a mother who was exasperated with her son’s negative mood. Everything she tried to soothe him and make him feel better backfired. She finally gave up and started agreeing with everything he said. When her son told her his friends were mean, she agreed with him. When he complained that his teacher didn’t know anything, she couldn’t agree more. After several minutes of this kind of dialogue with her son, his mood suddenly shifted. He declared that he was tired and he went to bed with a smile on his face.

6) Stay Away from Negative People

If you have negative people in your life that are critically affecting your mental and physical health, you need to evaluate whether or not you want these people in your life. Some people are so chronically negative that you have no other choice but to remove them from your life. It’s possible to do that with friends. You can find another job if your boss or other co-workers are bringing you down. Other people, such as children and spouses, are difficult to remove from your life. In this instance, professional counseling may be the answer. To protect your well being, you need to enforce very strong boundaries with negative people.

7) Keep Your Own Negative Thoughts and Behaviors in Check

If you do nothing else but focus on managing your own negative thoughts and behavior, you will come a long way towards remaining positive. A negative attitude is contagious, but a positive attitude is infectious as well. Hang out with positive people that encourage you to be your best self. Use positive affirmations to overcome negative self-talk. Express your gratitude for all the positive things in your life. Take the time everyday to watch all the beautiful things going on around you. Read inspirational material and listen to joyful music. Take care of yourself spiritually. Do whatever you have to do to remain positive and happy despite the negativity you face. The world will be a better place because of you and your attitude. And you never know, you just might help a negative person make a change to a better way of living.

Copyright © 2008 Lori Radun, CEC

About the Author:
Lori Radun, CEC is a certified life coach for moms.

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4 Tips On Choosing A Law Firm

As a business owner, you can never predict what will happen in the market or to your business. There could be one event and you could be thrown out of business. This is why it is important to remain prepared for anything that life throws at you. In order to ensure complete security of your business at all times, it is important to work with a law firm in case of an accident or personal injury. Do the groundwork and choose a law firm which has a good name in the industry. If you feel overwhelmed in choosing the law firm, follow the tips mentioned below.

1. Free consultation

There are some firms which try to get as much money from their clients as possible. Hence, it is best to choose a law firm that offers a free consultation for the first time. It will be a chance for you to see how well they approach the issue and you will be able to narrate your concerns to them. Understand the assistance and support they provide. If you think that they are reliable and will help you in the case, they are the right people for you. However, if you think that they are only interested in your money, choose a different firm.

2. Professional knowledge

Before you choose a law firm, you need to check the knowledge and experience they have. It makes no sense to work with a firm that is only recently established a business. You need to pick a firm which has many years of experience in the industry and can manage to give great advice to you. A firm with no experience will not be able to do the job you expect them to do.

3. Prompt responses

It is important that you choose a firm which has a good reputation in the market and can give you regular updates. A firm with a bad reputation will not be there for you and will not give you prompt responses. You need a firm who will be in touch with your throughout the case and will communicate to you about everything that is happening with the case. You need people who will answer your calls and emails at all times. Check with the firm how soon they respond to the clients before you work with them.

4. Services offered

There are some firms which only handle certain specific services but a professional firm will provide you with all the services. It is important to verify this information by meeting someone from their firm or checking on their website. Get details about their expertise with regard to a service or contact their office in person before you go finalize the deal.

It is important to choose the right law firm to work with. No matter the size and type of your business, if you have the right people working with you, you will be able to ensure that you are protected from any legal trouble.

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