Adventure Travel Agents Provide Great Benefits For Your Adventure Travel

Adventure travel agents make any travel possible and help you to enjoy your travel even more. Traveling is a way of exploring and experiencing what a particular place can offer, and all the things that can be really adventurous. However, travel will not be successful without adventure travel agents.

Planning to have an adventure travel can be confusing and time consuming. That’s why it is important to hire a travel agent. Looking for an expert agent that specializes in adventure travel is important for the success of your travel. They are the ones who will help you in making your plan for your adventure. The agent will not only arrange the various means of transportation but they may be able also to let you save money with special fares, early bookings, accommodation deals, and travel advisories. Not only that, there are also great benefits that you can get when you use a travel agent such as:

* Save Money- agents will really get great savings. With the strong relationships of the travel suppliers and the advancement in technology for computer reservations allow travel agents to access the most up-to-date details on how to get you the best deals and value.

* Travelers Advocate- your best interests are their priority. There are societies of travel agents in America that have a long-standing record on fighting for their clients’ rights, and every travel agent is required to stick to the strict Code of Ethics.

* Convenience- adventure travel agents really provide convenience for their customers. They are the ones that will provide all the things that you need for your travel. They mostly offer one-stop shopping travel arrangements.

* Great Service- agents are knowledgeable and active in their service. The travel agents are well educated and trained in order for them to offer the highest quality of service to the costumer.

With these benefits, your adventure will definitely be exciting and successful. Your personal agent will really work for you and will do everything just to provide you with your travel needs. An adventure travel agent is absolutely the best travel partner that you can have.

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Adventure Travel Agents Provide Great Benefits For Your Adventure Travel

This is rightly named as the age of traveler-centricity and with the evolution of the new era of personalized travel; it is leading to research and development of a host of new so-called intelligent services. The command-and-control perspectives of traveling have changed a lot from the past and the focus has shifted more on the traveler and the productivity of each trip. It has become essential to maintain that the travelers have the greatest return on investment on each trip. New generations of young employees and managers, who have been growing up and dwelling in a digital age, are moving up the ranks as travelers. It has become essential to recognize the need for greater flexibility acknowledging that the employees who travel on corporate trips also consider a percentage of their trip to be a leisure outlet. With increasing globalization and rise in companies sending their staff overseas to network and connect with their offshore prospects/customers/suppliers, corporate travel is a highly profitable tourism segment. Before we talk about how tourism companies can better cater to business travelers, let us first look at why they prefer to use specialized corporate agencies over traditional agents

Why do businesses use Corporate Travel Agencies?

This might be the most basic question for a travel agency as to why they need to use agencies specializing in corporate travel when there are plenty of regular travel agents in the market. Here is the importance of corporate travel agencies who have online systems which allow business travelers access to their complete itinerary.

The following information is at the fingertips of the CTAs:-

full business itinerary details
up-to-date tracking details of flights (including delays or rescheduling)
transparent details about additional costs such as baggage fees or in-flight fees
travel alerts, if any, in the destined area
complete and up-to-date details about the visa procurement policies and identification required
currency requirement and conversion rates

What do corporate clients expect from Corporate Travel Agencies?

Negotiated Fares

The Corporate Agencies tend to have tie-ups with hotels, car rentals, flights etc. giving them access to lower fares which can be used only by the frequent business travelers. Discounted prices are not the only advantage though as they also offer flight upgrades, room upgrades, and VIP check-in lines as required.

In-depth information about the travel industry

Corporate travel agents have access to many travel resources and most importantly, quickly, than any other leisure travel agent. Additional information helps to make the business trips convenient and comfortable.

Changes in Itinerary

When an airline ticket needs to get rescheduled or cancelled, chances are the airline or the online service provider will charge lofty fees. When booking with a corporate travel agent, most of the times schedule changes can be done at zero or minimal extra charges.

Viable emergency contacts

It is important for the business travelers to reach the correct person at the need of trouble. Corporate travel agents have the experience and professionalism to relieve stress for both the traveler and the company.

What you need to consider as corporate travel increases?

Business Travel Barometer reported that corporate travel is witnessing an accelerated growth. However, when poorly managed, it may be no longer an advantage to companies and may, in fact become a burden. There are some factors which the corporations and CTAs must consider to get the best out of the time spent traveling.

Adopting a travel policy

The corporate must define a travel policy which is applicable to and respected by travelers at all levels. This policy should be used to establish the standards which will help to track the improvement of business travel. It will eventually help to reduce the costs of the entire package.

Do not limit the traveler’s autonomy

The management is responsible for budgeting the travel policy which helps to improve cost management however, it is also essential to give a degree of autonomy to the traveler. The policy should be flexible enough to allow the employee to adapt the trip as per the situation.

Traveler’s security should be a major concern

Business travelers need to have security in place. The company needs to stick to its definition of standards to ensure the employee’s integrity. The CTAs should have reliable partners (travel insurance, airlines, hotel chains etc.).

Mobility and automation

To optimize time and ease the processes, the administration of management platforms should have automated processes. This means they should adopt mobile solutions where search options, travel alerts, ticket reservations etc. can be accessed quickly, easily and on the go.

Corporate Travel Trends in 2016

Corporate travel trends tend to change regularly. 2016 has also not been any different and the travel management companies (TMCs) and corporate travel agencies (CTAs) are quite focused to provide steady if not strong axis all over. A growing MICE sector, investments in mobile and big data and enhanced focus on duty of care are some of their areas of focus.

Rising prices

The consolidated buzzword among global suppliers, airfares, hotel rates etc. is the rising fares. It is sometimes the move of the suppliers to generate discounts which encourage travel if there is a strong decline in demand. A positive 2016 world economy has been bringing an increase in air fares of a few percentage points, hotels are expected to see 4%-6% rise in average global rates and the competition will remain moderate in the car rental services.

Duty of care

Risk management is one of the major points of emphasis for corporations. Corporate customers are allowing new policies and improved technologies to monitor employees’ location in case of an emergency, especially when they are travelling to foreign destinations. For instance, Concur Risk Messaging helps to identify the travelers moving around in the world and alerts them with alternate travel arrangement as and when needed.

Focusing on MICE

Meetings industry is a major growing sector and the corporate travel trend is developing on it. The corporate travel agencies should better start aligning the various meeting procurement methodologies with its transient travel sourcing. One of the ways could be to broaden the variety of meeting services by incorporating incentive trips within it.

Investing in technology

A sharper focus on increasing value and becoming more traveler-centric can be done by bringing in mobile friendly technologies. Mobile and big data are definitely the two most significant technological investments which any corporate travel agency must focus to make their platform more appealing.

Business travel analysis after Brexit

Following Brexit, ACTE and CAPA shared their speculations. According to them, the greatest short-term effects on the travel industry will come from the weakening of the pound against other world currencies. Greeley Koch, executive director for the Association of Corporate Travel Executives said that the business travel industry will trend on currency fluctuations; with some companies taking advantage of the weaker pound and traveling more, while others may withhold business travel until world markets find their own level.

Impact of terrorism on corporate travelers

Travel policy makers and administrators need to be guided by rising terrorism scare. For executives and staff undertaking travel on behalf of businesses, the travel agents and corporate travel agencies (CTAs) should prove the reassurance for their safety through the travel policies. It is more than likely that the surveys conducted over corporate travelers reflect the general concern of the global business travelers about the spate of terrorism. However, there is no denying the fact that terrorist threat is changing the patterns of business travel. The key impact of this is to keep in mind that the companies providing travel services for business travelers need to enhance their focus on security and the associated risks in delivering the services to corporate clients. According to a recent finding, travel managers have higher estimation of their policy’s effectiveness in addressing risk compared to skeptical business travelers.

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Elements of a Strong Corporate Travel Program

In order to make the most of your corporate travel budget, it is critical to plan for leveraging your program for all it is worth. Telling travelers to select the lowest logical airfare is just not enough. Here are the elements that should be considered when planning or evaluating your travel program.

1. Travel policy

A well written and disseminated travel policy is the foundation of any good travel program, and I am consistently amazed that so many corporations have such an outdated and poorly conceived travel policy, if they have one at all. It is not difficult to find a well written policy. One can be found online quite easily. All that remains is that it is edited to reflect corporate culture, and disseminated within the company so that everyone understands and agrees to follow it. For this reason, it is a good idea to have everyone sign a copy of the travel policy to ensure that it is read, understood and owned by all company staff. I suggest that everyone in the company signs a copy of the travel policy, whether they travel or not. They may change positions in the company later and be required to travel. A travel policy need not be long or complex. Some of the best travel policies I have ever seen were only a few pages long.

2. Centralized travel internally and externally

Many companies do not centralize their travel program, and they pay a price in terms of a loss of expense reduction opportunities and internal efficiencies. Many companies that do not centralize travel have a fear of requiring travelers to do something they may not want to do, along with the idea that centralizing travel will require hiring a Travel Manager. Both of these may be legitimate concerns but they do not have to be in most cases. By requiring travelers to book centrally, you are not necessarily causing them to lose flexibility. You can centralize travel while still allowing travelers to book on their own, either with a travel agency of your choice, or online through a provider that you have partnered with and have confidence in. By assigning someone with the responsibility of overseeing travel, you are getting a single point of contact both internally and externally for travel issues. If your company spends less than $1 million in air travel, you probably do not need a full time travel manager. In these cases, travel oversight can be given to the finance department, human resources, or even an executive level assistant. Here is a look at the advantages to be gained by centralizing travel.

When you centralize travel with a single agency, you gain in a number of important ways. You will have a single point of contact for problems while travelers are on the road, and you will have one entity to go to for all your travel needs. This eliminates the problem of consolidating a travel report from among several sources. By bringing travel together, you will gain significantly from economies of scale. If you can measure total travel among various divisions or locations, you can get more for your money from travel suppliers. This will allow you to gain more from airline soft dollar programs, which means more free tickets and upgrades, get a higher percentage discount from our preferred airline, and get better negotiated rates from your hotel and car contracts. Your fulfillment costs will decrease as well, as your travel agency will often discount their fees for a higher overall volume of travel.

3. Mix of online booking and personal service

This is an addendum to the previous element, which calls for centralizing travel with one travel agency. This is important, but in doing so, you need not require travelers to use an online booking system, and you need not require travelers to call the agency directly. By offering travelers the option of doing either, you are accomplishing several goals. You will reduce your fulfillment costs, as online booking is cheaper in terms of a service fee. By giving travelers the option, you are giving them a sense of control, thereby increasing morale and standing a better chance of a high adoption rate. Thirdly, you leave open a best practice of using your online booking engine for less complex itineraries, and allowing senior executives, frequent travelers, and complex itineraries to be booked directly with a travel agent that can offer a higher level of service and a better overall travel experience where it is most warranted.

4. Look under every stone

While the bulk of most travel programs revolve around the air budget, there are several other areas one can investigate to find savings opportunities. There are a couple of more obvious areas to look, such as negotiated hotel rates at your favorite hotels, or car rental discounts with a favored supplier. Often your travel agency will already have discounted rates through consortia affiliations and agency car contracts. There are also some less common areas that should be investigated. For example, if ground transportation is a concern, most suppliers will offer discounted rates and a direct billing option. Direct billing arrangements with hotels and car rental agencies are also a great way to increase efficiencies and make the job of the accounting department easier.

5. Leverage hard dollar and soft dollar contracts

Most major airlines today offer hard dollar discounts as well as soft dollar incentives in exchange for company loyalty to their product. If your travel program is over $1 million in air spend, you can secure a discount off of the lowest fares of your carrier of choice in return for a market share commitment. For your secondary carriers, or if your volume is less than the minimum required by the airline, you can enter in to soft dollar programs for free tickets and free upgrades, as well as traveler status enhancements or airport club passes. These programs require little in the way of volume, but they are not well publicized so you may need to hunt for them or ask Baker Travel or your current agency to point you in the right direction.

6. Do not neglect hotel volume

Hotel volume is sometimes overlooked but it should not be. Negotiated rates can be had through your travel agency or directly with the hotel properties of your choice. Individual hotels near corporate locations will negotiate discounted rates for you in exchange for a minimum room/night commitment. By utilizing a travel agency, you are likely to receive discounts of 5% to 50% on thousands of hotels worldwide.

7. Have at least one car rental contract

Rental car contracts are easy to enter into and require little in the way of commitment from the corporation. Choose a partner that has airport locations and a reputation for excellent customer service. You can save 5-10% very easily and can also negotiate frequent renter membership for all your employees. This will make them more efficient and enhance morale. You can also enter in to direct billing agreements at the same time that can make the jobs of your travelers and accounting staff much less stressful.

8. Understand group and meeting contracts

Airlines and hotels will discount your fares and rates when you have groups traveling together or meeting at a single destination from multiple points of origin. These meeting contracts can bring you airfare discounts of 2-10%, and if you have enough travelers on a single airline, you may be able to negotiate for free tickets to be awarded at contract completion. The minimum requirement is usually 10 travelers going to the same place at the same time. Some airlines have higher minimums so be sure to ask before a contract is generated. Hotels will discount their rates in a similar way with a minimum of 10 room nights. These discounts can range from 10% to a much higher discount depending upon occupancy rate and seasonal variances.

9. Use reporting to consistently improve metrics

Well managed travel programs require constant monitoring and financial controls to be properly leveraged. Insist on timely and customized reports that can be designed to bring you the information you need most. By receiving regular reporting on traveler behavior and provider contract performance, you will be in a better position to fulfill contract obligations, achieve cost reduction objectives and see where opportunities for future savings may lie.

10. Use all avenues to enhance traveler comfort and efficiency

Lastly, any well managed travel program will take in to account the comfort and productivity of their travelers. When travelers are comfortable, they can focus on their main priorities that help propel your business forward. If travelers are happy, they perform at a higher level. Ask if your travel agency can upgrade traveler status on a preferred airline. Look in to purchasing blocks of airport club passes so they can be used strategically during long and complex itineraries. There are many ways to reward travelers for the difficult and often grueling chore of travel. These kinds of rewards generate feelings of loyalty and increased productivity and efficiency.

If you would like to learn more about how your company can better leverage their travel program to benefit your bottom line and the satisfaction of your executive level, feel free to contact me. I am delighted to point you in the right direction.

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Why Sound Business Travel Reporting Matters

For any company that has their employees engage in regular travel, it is important to have a good corporate travel strategy. Part of developing and improving on a corporate travel strategy is solid business travel reporting. Business travel reporting provides the company with details about the cost of travel and how the money is being used. This data not only helps to keep track of expenses but it also can be used to identify areas of waste and inefficiency. When this information is tracked and analyzed it can be used to improve upon your company’s business travel strategy. Using the service of a corporate travel agency is an effective means toward achieving all of these goals.

Due to their experience and their connections in the travel and finance industry, a corporate travel firm will be especially suited to provide these services with the highest degree of detail. A corporate travel agency uses a variety of methods to analyze and track a clients business travel expenses. They can use data from banking and credit card records along with the travel records to identify the most and least efficient travelers in your company. They can help to manage airline data to find which carrier is providing the most business friendly service for the most affordable price and they can help to identify waste and abuse of funds.

A corporate booking agency can also help employers to analyze information in a way that can determine how effectively the employees travel and how well they stick to the itinerary and how closely the individual employees stick to the travel strategy. This can be achieved by referencing the data accumulated from credit cards, expense accounts, airline data, hotel bills and rental information. Once all of the data is collected and analyzed, the corporate travel firm can prepare a complete report. The reports will cover a variety of different areas and will often be accompanied by a written summary of the overall information. Clients can also request specialized reporting from a corporate travel agency. These may be to address an area of concern or to see how a new aspect of the travel strategy is working.

Most business travel agencies recommend that their clients schedule regular meetings with their travel manger to go over the business travel reporting and to find ways to improve the corporate travel strategy. The management of a business should meet with their corporate travel manager at least once a year. In these meetings the travel manager can help the client go over the business travel reporting and understand what all of the data means. The manager will help to identify areas of waste and point out parts of the travel plan that are working well. At this time the client can address their concerns about the travel strategy and work to adjust the business travel strategy. A corporate travel agency can also help their client with a plan for implementing the new strategy and addressing the changes with their staff.

Having the services of a business travel agency is a necessity for any company that engages in regular travel. Having a well thought out strategy will not only save the company money, but it will also make sure that the staff is getting the most out of their trip.

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Adventure Travel From Grand Canyon Rafting to Base Jumping

Some people believe a break from work should involve more than just a holiday: it should be an adventure! Which is why adventure travel is becoming so popular. It doesn’t have to mean climbing Everest, attempting K2, or crossing a desert on the back of a camel: but it can, though it can just as easily mean a guided rafting trip in the Grand Canyon, seeing the desert from the basket of a balloon, a bungee jump like James Bond (off Switzerland’s Verzasca Dam) or a road trip somewhere literally *off the beaten track*.

Trekking in Nepal or paddling the Grand Canyon are the classic adventure travel options, and for most adventure travellers involve a bit of travel to get to, but there are travel adventure options in every country — you ‘d be surprised to see the list of where all the best paragliding destinations are, and paragliding definitely qualifies as adventure travel if it’s done right. Ice climbing, cave diving, shark diving, paddling between scenic islands, trekking overland, base jumping, or even heli-biking or heli-skiing can elevate your travels to adventure travels, and these kinds of adventure travel options can be found in some very unlikely destinations.

But the classic adventure options are still the best: New Zealand, for all the cycling and paddling options, as well as the extreme sports, is one of the best places for adventure travel, and Chile and Patagonia are popular for the same kinds of adventure travel attractions. Canada has the winter-y wilderness, and offers adventure travellers the chance to get back to nature and meet some exotic animals, while Borneo and the Galapagos, offer adventure travellers both untouched wilderness, unique animals and sunshine. Just in case you prefer your adventure travels without the adventurous weather.

Not all of us get the chance to have a real travel adventure. However, ‘adventure holidays’ are becoming ever more popular, and accessible, and not just among the young. As baby boomers mature they find they are fitter, and generally richer, than their parents were – so your 50s and 60s is a great time to take that travel adventure you never had time or money to do. Lots of adventure travel is within the realms of possibility for most people — you don’t have to be an elite athlete to cross the Sahara with a camel train, just relatively healthy and the owner of an adventurous spirit. Some adventure travel tour operators even run adventure tour options for younger explorers, and there are some gentle routes along even some of the most exciting of white water rivers, and child size mountains still worth conquering. And while once people thought of some adventure travel options as being the adventure of a life time, now a lifetime can have many travelling adventures.

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Getting to Know the Different Types of Weight Management Supplements

Losing those excess pounds can be quite a challenge. But fortunately for all you dieters, there are now plenty of weight management supplements that can help you achieve that goal. But still, what you need to keep in mind is that different weight pills work in different ways and it is very important that you know what product will work best on your. So here are the different types of weight management pills that are available in the market and how they work to shed off those pounds.

Anorectics

Anorectics are appetite suppressants that will prevent you from feeling hungry. Although this is an effective way of losing weight, anorectics as weight supplements also have its own disadvantages. Fatal heart diseases and conditions have been associated with the use of this drug. The drug was initially used to treat obesity but is now mixed into several products from teas to juices that let you limit food intake.

Amphetamines

Just like the anorectics, amphetamines are used in weight management supplements as an appetite suppressant. The drug is also known as a stimulant, increasing wakefulness and focus. And just like anorectics, they are also highly associated with cardiac problems. The drug can also be addictive when used without the proper medical guidance.

Ephedrine

Another appetite suppressant, ephedrine is one of the most commonly used substance in weight management supplements today. This is actually an alkaloid derived from certain plants and has long been used by Chinese herbal medicines for treatment of asthma and bronchitis. Ephedrine is also known to induce fat loss in humans by thermogenesis – or heat production in the skeletal muscles.

Conjugated linoliec acids

Conjugated linoliec acid is a kind of linoliec acid that is normally found in meat and dairy products. Recent studies have shown that these CLAs, when used as weight supplements, can reduce amounts of body fat. So how does it work exactly? It does not eliminate fat cells, but instead, it keeps them from getting bigger. Aside from that, CLA has been found to improve insulin levels and even the amounts of glucose in the blood.

Guarana

Guarana is a natural substance occurring in certain herbs and is considered to be a diuretic. It also contains cocaine which is an appetite suppressant as well. But because of this, most of the people taking this as weight management supplement may experience palpitations and even the occasional tremors.

Green tea extract

Another natural alternative to weight loss, green tea extract is known to be an appetite suppressant and can speed up calorie and fat metabolism. Green tea is made from Camellia sinensis and now available in the market in powder form or in capsules. Green tea extracts also contain antioxidants and substances that help lower blood cholesterol and promote a healthy heart.

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You Can Find Affordable Health Insurance Online If You Know How to Look

Are you looking for affordable health insurance for you or the family? It is quite easy to shop online and find multiple health insurance plans if you know how to look.

My recommendation is to find an Independent Health Insurance Agency that offers both online quoting as well as an actually insurance agency in your area or region of the country. These are the agencies of the future because they provide the ease of online quoting, online documents, as well as local agents to help with questions and concerns. The key is the ability of these agency to have online quoting tools so you can compare many different plans side-by-side.

Be careful however, many online health insurance quoting companies are not actually insurance agents. These companies sell or rent your information to multiple health insurance agents and you could receive as many as 10 different calls from agents across the country. So, when looking online simply ask if your information is kept secure or if it is sold. You can often find this information within a company’s privacy statement provided with reputable websites. It is also helpful if your new agency is a member of the Better Business Bureau as a reliable consumer accredited business.

Now that you have qualified the online health insurance provider you can begin your search for coverage. Many agencies now work in multiple states but as I mentioned good software that will compare multiple health insurance plans is your key to success. Get a quote online by entering general information about you and those looking for coverage, this will include your birthday, zip code, as well as height and weights. Now you can review multiple health insurance plans online directly from many different insurance companies.

One important point about independent insurance agents and something most people don’t realize, is that all insurance pricing is provided directly from the insurance companies to all independent agents. There is no mark-up when working with an agent but they can recommend the best health, dental, or vision plan for your specific needs. So, take the time to speak with an agent when you have questions or concerns. They are very well informed and can advise you on health plan selections.

If you do find the health plan that fits your needs online you can choose to purchase your health plan directly from the insurance company by clicking the “apply” button provided with your quotes. All information is secure and quite easy to complete online. The insurance provider and your independent agent will then contact you to help with the process and answer any concerns you may have.

Independent insurance agents can also make recommendations for you as your needs change. Your agent will offer friendly professional advice and will help you find affordable coverage that fits your needs and budget. By working with multiple insurance companies your new agent can provide you with the information necessary to make an informed decision about your coverage.

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Keep Your Health in Mind While Web Working at Home

The arrangement of office equipment can have an enormous impact on whether a business succeeds or not. Subtle changes to the office arrangement will not only result in a more healtful work place but it will also help increase productivity.

It can make a web working at home business endeavor much more comfortable and successful and simultaneously have a positive influence on your health.

Did you know that using a mouse on a regular basis could result in the onset of Carpal Tunnel Syndrome or other related injuries? Here are some pointers on how to structure your office as to avoid any of these risks.

Arranging Office Equipment

Try to locate your desk away from high-traffic areas. This could avoid injury as well as excessive distraction. Keep the area under your desk clear from wires and all other clutter. Arrange all reference materials for easy access. By doing this you will be able to find certain information right away.

If you are a note-taker have a designated area to keep them. Keep your screen clean. Use high-contrast natural screen colors. Keep the mouse close to the keyboard.

Don’t place your monitor in front of a window. Doing so can put unnecessary strain on your eyes with the difference in light intensity. If your desk is located near a window, use window blinds to reduce glare. The monitor should be placed at eye level as to minimize strain on your neck. The distance between the screen and your eyes should range between 18 to 30 inches.

Ergonomically Correct Posture

What is ergonomics? Ergonomics is adapting your physical work space to suit your body. When purchasing an office chair, make sure that it can give you sufficient back support as well as arm support. It should also be adjustable and stable.

Excessive twisting and reaching should be avoided when in a sitting position. Change positions frequently. Attempt not to cross legs as this action cuts off circulation and can cause spider veins. Crossing legs at the ankles is preferable.

In addition to adjusting your physical work space, it is important that you consider your computer use behavior. If you are not using the equipment in an ergonomically sound way, although you work station may be ergonomically correct, you will still be vulnerable to computer use injuries.

Concentrate on using a light touch to grip and click the mouse. Press keys on the keyboard gently. Wrists need to be kept in a straight position, and also make use of a palm rest while not typing.

Master your stretches

Take frequent breaks to give your muscles time to relax and also to clear your mind. Shoulder tension is common in computer users. The easiest way to release some tension in your shoulders is to perform shoulder shrugs, raising your shoulders up towards your ears and then releasing them.

In a standing position, squeeze your shoulders blades together towards the middle of your back and release. This same stretch can be done with your arms over your head.

Try to also incorporate neck stretches after sitting in the same position for a long period of time. Slowly rotate your head from side to side stretching the muscles on either side of your neck.

The chin tuck is also a very beneficial stretch for your neck. Slowly tuck your chin down, while keeping your eyes focused on an object in the distance. You should feel a good stretch in the back of your neck.

Back bends stretch you trunk, hips and joints in your lower back. Support your back by putting your hands in the small of your back and slowly bend backwards until you feel a gentle stretch.

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Good Diet Plans To Lose Weight Won’t Leave You Hungry And Cranky

Diet plans to lose weight shouldn’t involve a lot of things that purport to be food but aren’t, because that means that essentially you’re paying for food with all the nutrition taken out, which is why you need supplements and are hungry all the time.

A Diet That Helps You Get Healthier Is Great But…

Let’s be honest: most of us want to lose weight to improve our appearance. But there can be significant healt reasons for losing as little as ten percent of your body weight. Ten percent can improve your cholesterol, your blood pressure and your energy level.

The less effort your body has to devote to simply breathing, the more it can devote to getting you up and around, and even making your brain alert so that you can appreciate and enjoy the world more as you pass through it.

Did you know that that ten percent can also substantially reduce your pain? If you have arthritic knees or a bad back or any of a the numerous aches that come from a misspent youth being active and/or a misspent adulthood sitting hunched over a computer (I’m guilty as charged), taking off those pounds will take hundreds of pounds of pressure off your body with every step you take.

It won’t eliminate the problem entirely, but it will certainly mitigate the pain and make becoming active again that much easier. Losing twenty pounds or more is a great accomplishment, but it’s also far easier than you might think given a good diet plan.

If You Hate It, You Won’t Stick With It

But a good diet plan to lose weight is not one that leaves you tired and cranky and hungry. Which takes us back to the diet foods. Did you know that when companies take the fat out of foods to reduce the fat and calorie content, they often add in sugar to make up for it? Sugar has fewer calories than fat, so in a sense the food is “reduced.” But it’s also far worse for your metabolism that the original, full fat item was.

This is because the way food is supposed to work in your body is by being broken down and distributed to the various areas that need the nutrients. In the end, pretty much everything you eat is broken down into sugars.

This is where the energy comes from to keep you working, running, running after children, getting that second Ph.D or all three. However, when it starts out as sugar, it means that you get an immediate rush and then, because your system doesn’t have to do anything to process the food, it’s all stored away, so that when the rush wears off, you have to eat more to replenish it.

So, even if you manage to lose weight, you’ve done so by ignoring your nutritional needs, which generally leads to gaining it all back, because you can’t sustain it.

Diets That Keep You Satisfied Are Diets You Can Stick With

To lose that ten percent or more and feel good at the same time, you also need special foods. Real, single ingredient, organic foods that taste good, fill you up and are processed by your body in such a way that you get the nutrients you need. This will speed up your metabolism, give you more mental and physical energy and before you know it, more than ten percent will be a faint memory and you still won’t be hungry!

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Find Ways to Lower Insurance Costs and Find Affordable Health Insurance Quotes

These days more and more employers are starting to push the expense of medical insurance onto their employees. This can be a problem because most people’s premiums are continuing to rise, as costs are going up more than 10 percent. Then you have to include rising co-pays, premiums, deductibles and prescription drugs, which makes it difficult for some people to afford insurance. However, there are ways to lower the insurance cost and find affordable health insurance quotes.

One way to lower the overall monthly premium is to increase the deductible on the insurance. This isn’t always possible for some people or plans, but if you are normally healthy, this can save you hundreds of dollars, help you find affordable health insurance quotes and get you lower monthly premiums. However, if you increase the deductible, make sure to have a health savings account or an emergency fund to cover the high deductible.

Another way to save money is to use generic drugs. This will help you save hundreds of dollars a year. If you are married, you should look to see which spouse has better family coverage on their policy. It isn’t possible for both of you to have it, but make sure to look at the policies and see who offers the best coverage for kids. Sometimes you can split the coverage and put one child with one parent and the other child with the second parent.

You do need to keep in mind that employers won’t always offer the best deals on affordable medical insurance. You may want to shop around and see what other health insurance companies offer and find out if there is a policy that is more affordable. There are some employers that will pay you money for insurance if you find your own affordable health insurance quotes and policy.

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