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Friday, October 31, 2014

Ghost of Halloween’s Past

My memories of Halloween’s when I was young are warm and wonderful!  My mother sewed very well, so she made costumes for my sisters and me.  She was really creative, so I remember a few of my costumes clearly.  One big thing I remember, and carried on with my own children, was that we never wore masks.  We wore makeup, and my mother was good at that as well.

We lived in California, so it was often warm enough not to require jackets, allowing our costumes to show.
My older sister was two years older than me; I was the middle child; and my “little” sister is 3 ½ years younger still.  My mother often made our clothes and dressed us alike – not just for Halloween.  Adults thought we looked so cute; but looking back, with our age differences, I think it was a bit odd.
Dressing us all the same one year, I remember we wore “The Three Little Pigs” costumes.  They were really cute with little “screwed” pipe cleaners for our tails.
Another year, I was a “harem girl” wearing a pretty green outfit with sheer sleeves and legs.  I remember feeling beautiful in that costume.  I was a “cigarette girl” with the tray full of boxes of candy cigarettes.  It was a “grown-up” costume that I really enjoyed.  Some of you may remember cigarette girls that walked around “night clubs” saying, “Cigars, Cigarettes,” selling them to the patrons.  Of course, smoking was quite acceptable back then.
At the corner of the street where we lived, there was an empty dirt lot.  For several years carnivals were set up on the lot on Halloween night.  We loved that!
I am not very creative, and I do not sew, so my children did not have as many really great costumes that I had.  I remember one year, however, that I created a robot costume for my son, and he won first place at his school!  I covered a box with foil for the body; milk cartons covered with foil were the legs and arms; he wore a foil hat; and all the pieces were tied together with silver cord.  I put silver face paint on him to complete the look.
For a few years when my sons were young, we went to a roller rink (remember them?), and they had a costume parade, contests and other fun events.   Although kids still go “trick or treating,” some places hold Halloween events.  Most shopping malls have costume contests, and the kids “trick or treat” at all the stores where they hand out candy.  In some areas, children would not be safe going door to door, so it is nice that more Halloween activities are planned in public places today.
I’d love to see some of your Halloween stories, so feel free to post them below.  I wish you all a fun and safe holiday.
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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 


I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

Tuesday, October 28, 2014

Are You on Medicare?

Are You on Medicare?

Medicare open enrollment began on Oct. 15 and ends on Dec. 7.  Take time to look at your coverage to determine if you want to make any changes.  

 If you don't have FULL coverage, including dental, vision and hearing care, check out Xpress Healthcare's Premium and Premium Plus plans ($19.95 per month per family; $29,95 per month per family).  They can provide you with great discounts on these services.  Our dental plan provider is Aetna™ Dental Access; and our doctors-by-phone service is Teladoc™, the first and largest service of its kind.  Xpress discounts can also enable you to get insurance with a high deductible and lower cost and use Xpress as a supplement.  http://2YourHealth2.INFO 
In addition, Xpress Healthcare offers their Lifestyle Select plan ($19.95 per month per family).  This plan includes LifeLock® ID Theft Protection (as seen on TV commercials), Roadside Assistance, Legal Care (9 FREE services + discounts on others), PET CARE, and the CashBack Rewards online mall.  Learn more at:  http://julie.joinxpress.com/lifestyle-select.html 
I am on Medicare myself.  I also have the discount plans to which I have referred in this post.  I actually have Medicare complete, a “full” coverage HMO.  Even with my insurance, however, my husband and I saved over $1000 on our dental expenses in 2013.  I have also save money on those prescriptions that were not covered by my insurance or if my insurance co-pay was higher than my discount with Xpress Healthcare. 
Of course, anyone can benefit from our discount plans.  You need not be on Medicare.  Those with insurance can actually buy less expensive insurance with a higher deductible and use Xpress’ discount plans to supplement your insurance to help you save money. 

If you have questions about any of our plans, you can contact me through my website, or phone me.  I’d love to hear from you!

Saturday, October 25, 2014

Hands Up or I'll Laugh!

It seems that nearly every day we hear about someone killing a police officer or police misconduct.  I would like to “lighten up” the police stories, so here are some transcripts of recorded funny police quotes from around the country. 

"Relax; the handcuffs are tight because they're new. They'll stretch out after you wear them awhile."

"Take your hands off the car, and I'll make your birth certificate a worthless document."
"If you run, you'll only go to jail tired."

"Can you run faster than 1,200 feet per second? In case you didn't know, that is the average speed of a 9mm bullet fired from my gun."

"So you don't know how fast you were going. I guess that means I can write anything I want on the ticket, huh?"

"Yes, Sir, you can talk to the shift supervisor, but I don't think it will help. Oh ... did I mention that I am the shift supervisor?"

"Warning! You want a warning? O.K., I'm warning you not to do that again or I'll give you another ticket."

"The answer to this last question will determine whether you are drunk or not. Was Mickey Mouse a cat or a dog?"

"Fair? You want me to be fair? Listen, fair is a place where you go to ride on rides, eat cotton candy, and step in monkey do-do."

"Yeah, we have a quota. Two more tickets and my wife will get a toaster oven."
"In God we trust, all others we run through NCIC."



"Just how big were those two beers?"

"No sir we don't have quotas anymore. We used to have quotas but now we're allowed to write as many tickets as we want."

"I'm glad to hear the Chief of Police is a good personal friend of yours. At least you know someone who can post your bail."

"You didn't think we give pretty women tickets? You're right, we don't.


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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 



Confidence is Silent. Insecurities are Loud!

Whether you are to your business or if you’ve been in the industry for a while, many people lack confidence, perhaps even dislike certain things about themselves.  It is important to free yourself from feeling unworthy, lacking knowledge, scared or powerless.  Rise above these feelings and learn to control your personal and professional life.  In this post, I will primarily discuss professional confidence. 
It is easy to get caught up in trying to be like our mentors or others in the industry.  The truth is that your prospects want to know you.  When people join your team or purchase your products, they are doing so because they like YOU, the real you.  
I don’t claim to be totally confident in my abilities, my skills or my character.  However, over the past few years, I have become much more confident.  Now it is time for you to allow your confidence to rise to the surface and shine!  

Make the decision today to look deep within yourself and know that you are worthy!  You are skilled and able to build a business.  With few exceptions, fear and doubt are created in our own minds.   
Most people start a home business to be their own boss, earn a living or supplement their income. Try changing your perspective to helping others instead.  Take time to think how you can serve other people.  If you are working with a reputable company with great products, you can change their lives with your business opportunity.  From that perspective, you are less likely to be afraid. 
When I first learned about and joined my current company a few years ago, I lacked confidence.  Having never succeeded with previous businesses, I had no reason to believe I could do so with this one.  I knew though, that if I was ever to achieve what I wanted with my business, I had to “follow the leader.”
I began doing everything my mentor asked me to do.  I was still scared, and it took me some time, doing the same things repeatedly, before I was no longer frightened.  It was about that time that I realized I wanted to help others succeed as much as I wanted it for myself. 
Forget your fears, and do what you know you need to do.  Promote your products and business opportunity. Imagine how many people you can help build their own business and grow their income.   Once you begin thinking this way, your confidence will begin to shine and your business will grow.  When you shift your thoughts from fear to power, you’ll be on your way!
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For Xpress Healthcare® business opportunity info, visit  http://joinxpresshealthcare.com

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 


I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

Men Get Breast Cancer Too!

Men Get Breast Cancer Too!
I think you would have to be living in a cave not to know that October is Breast Cancer Awareness Month (BCAM) in the USA.  Second only to skin cancer, breast cancer is the most common cancer among American women. 
The American Cancer Society's estimates for breast cancer in the United States for 2014 are:
§  About 232,670 new cases of invasive breast cancer will be diagnosed in women.
§  About 62,570 new cases of carcinoma in situ (the earliest form of breast cancer) will be diagnosed.
§  About 40,000 women will die from breast cancer
(Source: http://www.cancer.org/cancer/breastcancer/detailedguide/breast-cancer-key-statistics)
Most people are unaware that women of Ashkenazi Jewish descent are at a higher risk of breast cancer due to having BRCA1 and BRCA2 gene mutations.  Norwegian, Dutch and Icelandic people also have a higher risk of BRCA1 and BRCA2 gene mutations.  Men can also inherit these mutations and be at risk of breast cancer.  In addition, women with these gene mutations are at higher risk of ovarian, fallopian tube and peritoneal cancer.   Men’s prostate and pancreatic cancer risk increases if they have the BRCA1 or BRCA2.  If one woman in a family has the genetic mutations, it is more likely that other immediate family members also have them.
I am of Ashkenazi Jewish descent, and a few years ago my physician recommended that I be tested for BRCA1 and BRCA2.  At that time, the tests were extremely expensive, and my insurance would not cover it.  I recently changed insurance companies, so I will be discussing testing with my new physician.  I had a benign tumor removed from my breast which, had it not been removed, may well have become cancerous.  My paternal grandmother and maternal aunt died from breast cancer, making me at risk as well.
For men reading this post, breast cancer is more common in males that you may imagine.  I recently asked a mammogram technician if she ever performed them on men.  She responded that she has three or four male patients every week getting mammograms!   They wouldn’t be getting tested unless their physician believed they were at risk for breast cancer.
Returning to Breast Cancer Awareness Month, women should get a baseline mammogram at 40 years of age.  Depending upon the results, there doctor may recommend annual or biennial testing from then on.  On the TV show Good Morning America, Robin Roberts, is a breast cancer survivor.  She encouraged one of the other hosts of the show to get her first mammogram.  With no history of breast cancer in her family and being quite young, she was resistant, but she took the test.  She learned that she did have cancer. 

Learn more about breast cancer.  You can find articles virtually everywhere this month.  I am encouraging everyone – female or male – with a high risk of breast cancer schedule an appointment right away for a mammogram.  It is not painful, although it is a bit uncomfortable.  I hope that you will all also remind the women in your life to get a mammogram.

I wish you all good health.
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For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com

For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

I invite you to visit my Facebook Page at http://ibourl.net/XpressFacebook 

Here Kitty Kitty

We love our pets.  For many of us, our pets are considered family members.  The unfortunate thing about those particular family members is that Americans are spending billions of dollars on their pets, and spending is at an historic high.  I’m not just referring to dogs and cats, but also reptiles and tanks of fish.  Of course, Americans are not the only ones spending their hard-earned money on their pets.  But in America alone, The American Pet Products Association estimates that more than 50 billion dollars was spent on pets in 2011, and that number is increasing each year.

How is that money spent?  The biggest expense is food, which is about half of all the money spent on our animals.  Veterinary bills are next, with supplies and over-the-counter medications being in third place.  And, there’s also grooming and boarding, which can add up to huge sums as well.

I worked for four years in a veterinary hospital as their collections agent.  I was the one who sent out all the past-due bills and letters.  I learned that pet owners will spend almost any amount to be sure their pets are healthy and happy.  Even when they can’t afford it, people will go into debt to care for their four-legged family members.  I remember one woman who brought her elderly dog to a Veterinary Cardiologist for open-heart surgery.  She spent tens of thousands of dollars.   When it comes to cutting back during a poor economy, pets are one of the last expenses to be reduced. 

There are pet insurance policies which, like human health insurance, may cover a percentage of their veterinary expenses.  Prices vary greatly on pet insurance, and if a pet doesn’t need any expensive treatment for years, the insurance premiums certainly can add up.

Fortunately, there is an alternative to reduce pet care expenses other than paying expensive insurance premiums.  Pet Care Savings Programs are now available in most large cities and in some small to medium sized cities.  Xpress Healthcare® offers one of the best and its features include:

• 25% savings on network veterinary services.  (Not available in all cities.)
• 10% to 35% savings at participating providers on pet services such as boarding, doggie day care, training, pet sitting and grooming.
• 10% to 35% at participating merchants on pet supplies such as food, beds, toys, treats and vitamins
• Free pet ID tag(s) and 24-hour location service for lost pets
• These programs can be used for nearly all animals, from companion animals such as dogs and cats to exotic animals such as birds and reptiles
• Our savings plan is NOT insurance.

Pet Care Savings Program is only part of Xpress Healthcare’s® Lifestyle Select Discount Package.  For only $19.95 per month, all the pets in the household are covered by these discounts, plus you and your immediate family will receive Roadside Assistance, Legal Services discounts, and LifeLock® Identity Theft Protection.

We’ll never stop loving and pampering our pets so it is good to know that we can greatly reduce the cost of their care.  (Only available in the United States),

Visit http://PetCareDiscounts.info/ for details.

Please Note… Discounts on the following are at the veterinarian’s discretion:
  • Food and flea products.
  • Low margin medications.
  • Non-medical boarding and grooming. 
  • Any outside services, such as lab work or outside specialists. When products are not discounted, members may still find discounts from our participating merchants.
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·         For affordable discount plans to reduce your Health and Dental expenses AND reduce costs on Hearing, Vision, Prescriptions, Roadside Assistance, Lifelock™ and even more, visit: http://ibourl.net/XpressSavings (NOT insurance). 

·         For Xpress Healthcare® business opportunity info, visit http://joinxpresshealthcare.com


·         Please visit my Facebook Page at http://www.facebook.com/XpressHealthcareTheWinnersCircle