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Health Insurance is a critical part of health care in the United States. With soaring medical costs, who can afford to leave their health and wellness to chance? If you need health coverage – employee medical, individual, or family coverage – contact us to find out how much you can save on health insurance costs by using Independent Insurance Group.

Life Insurance is more than just providing for beneficiaries. In today's economy, it's being used in a variety of ways, and is a major component for a well-rounded financial plan. Independent Insurance Group will find the right plan at the right price for you.


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What Our Customers Are Saying:

Dear Mr. Silverstein,
" I understand you are the owner of Headquarter Insurance. Your employee, Denise Quinn, has assisted me with obtaining information and an insurance policy for myself and my son. She is WONDERFUL and you should consider her an asset to your company. She was resourceful, helpful, understanding, and never pushy. She even found others in her department to help answer questions far above the "call of duty." In today's world, you find very few people that are GOOD people and good at their job. Everyone is quick to complain about bad service: DENISE was excellent, and this is why I decided to take the policy she suggested."

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The Best Non-toxic Ways to Clean Your Home

This content is from an educational collaboration between WebMD Editorial and Healthy Child Healthy World.

By Matthew Hoffman, MD

WebMD Feature provided in collaboration with Healthy Child Healthy World

Keeping your home clean doesn't require weapons of mass disinfection, experts tell WebMD. Antibacterial and harsh cleansers are usually unnecessary, and some raise concerns about our health and the environment.

These products don't work any better than their natural or non-toxic counterparts, and they damage the environment and potentially place our long-term health at risk.

"The antibacterial soap we buy in the store doesn't clean hands or reduce the spread of illness any better than regular soap," says Allison Aiello, PhD, assistant professor of epidemiology at the University of Michigan.

You can keep your home just as clean for much less money, safeguard your personal health, and even protect the environment by going back to the basics.

Chlorine Bleach: What Are the Alternatives?

Chlorine bleach is one of the oldest cleaners. It's also one of the harshest. Chlorine bleach kills germs on contact, and isn't much friendlier to your skin, if accidentally splashed. Manufacturers include chlorine bleach in a wide variety of cleaning products as well as some laundry and dishwasher detergents.

Bleach is also renowned for its mold-killing ability, but it's not the only way to kill mold and mildew. Hydrogen peroxide or vinegar also works to kill mold.

Because it's used so frequently, chlorine bleach is the most common cleaner that kids accidentally swallow. And chlorine poses another special danger: when mixed with ammonia -- another common ingredient of cleaning products -- and acidic cleaners, such as toilet bowl cleaners, the mixture releases poisonous gasses. Since it's hard to know what's in every product, it's best to simply not mix cleaning products at all. While it's safe to pour old cleaning products down the drain, don't pour more than one at a time.

Non-toxic Solutions

• Use a hydrogen-peroxide-based bleach in your laundry instead of chlorine bleach. Hydrogen peroxide kills mold and mildew, sanitizes counters and cutting boards, and removes stains from counters.
• For household cleaning, opt for chlorine-free products to eliminate the risks. Specifically look for "chlorine-free" on the label. Use one product at a time, and rinse surfaces thoroughly.
• A simple tip: Keep an old toothbrush to scrub counter and those hard-to-clean tile corners.

Ammonia: Avoiding Hazardous Fumes

Want a clue to ammonia's hazardous properties? Consider its well-known harsh smell. Undiluted ammonia is highly irritating to the eyes and respiratory system. Because it does everything from cutting through grease to cleaning windows, ammonia is found in a wide range of conventional cleaning products. There are other ways to clean that are just as effective.

Non-toxic Solution

• Look for "green" and non-toxic cleaners that don't contain chlorine, alchohols, triclosan, triclocarbon, lye, glycol ethers, or ammonia. Choose ones that say "petroleum-free," "90% biodegradable in 3 days," or "phosphate-free."
• Choose safer products that say "petroleum-free," "biodegradable," "phosphate-free," "VOC-free," and "solvent-free."

Non-toxic Cleaners: Off the Shelf or Do-It-Yourself

Growing awareness and demand by ecologically-minded consumers, as well as parents motivated to keep their family healthy, has led to an explosion of environmentally friendlier and non-toxic products. There are many products in this category – from laundry detergents and fabric softeners to multi-surface and floor cleaners, to tile and bathroom cleaners -- that are convenient and safer for people and the planet.

While some are indeed safer, others are unfortunately “green-washed,” marketed as natural while still including suspect chemicals.

Get in the simple practice of looking at product labels to see if the cleaning manufacturer is clearly disclosing all ingredients. If it is not, you can check the manufacturer's web site, but it could mean the manufacturer is trying to hide a particular suspect ingredient.

Third party “ecologos” and product labels can sometimes be confusing, even misleading. For independent reviews, use Consumer Report’s Eco-Labels.org to find out what claims on labels really mean and if they’re actually regulated. You can also use the U.S. Department of Health and Human Services’ Household Products Database to look up specific products and find out their ingredients. Likewise, you can check out a company’s web site – many are being much more transparent than in the past. Or contact them to find out what’s inside.

Some people may choose to make their own cleaning products. It's surprisingly easy, cheap, and for most ordinary household jobs, do-it-yourself cleaning products can be as effective as anything you'd buy at the store. It’s easy, inexpensive, and for most ordinary household jobs, do-it-yourself cleaning products can be as just as effective.

General Non-toxic Solutions:

• Use a reusable microfiber cloth to dust -- it picks up dust particles without needing any chemical help.
• White distilled vinegar can be used to clean windows; kill mold and mildew; get rid of soap scum; and sanitize kitchen counters and cutting boards.
• Use baking soda and a few drops of soap to scour kitchen counters and bathtubs. For tough stains, use borax.
• For fresh scents, use lemons or essential oils like lavender.

Try these recipes for homemade cleaners:

Household Cleaner	Instructions
All-Purpose Disinfecting Cleaner	2 cups water (preferably distilled water) 1 1/2 to 3 tsp. liquid castille soap 1 tsp. tea tree oil Mix ingredients above to store and keep. Add a couple drops of your favorite essential oil to give it a pleasing scent.
Toilet Bowl Cleaner	1 cup borax Pour into toilet bowl before going to bed. In the morning, scrub and flush.
Rust Remover	1 lime Salt Sprinkle a little salt on the rust. Squeeze a lime over the salt until it is well soaked. Let the mixture set for two to three hours. Use the leftover rind to scrub the residue.
Glass Cleaner	1/4 cup white distilled vinegar 1 quart warm water Mix ingredients above. Pour into a spray bottle or apply with a sponge. For lint-free results, wipe dry with crumpled newspaper instead of paper towels. Buff to a shine.

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Insurance Brokers - Good Or Bad

When trying to acquire health insurance for you, family, or your employees. the biggest question is 'Where do I start'? There are so many commercial insurance companies out there with so many different plans to choose from it can become overwhelming very quickly. Insurance brokers can give you one stop shopping options.

There are many websites for insurance brokers that can help you with insurance plans offered in your state. You can simply go to the website of the broker you have found, put in your personal information, the information of your immediate family members you need to cover, and then just submit the information to get a variety of options to choose from. This way is convenient because they will offer multiple choices in your deductible options, co-insurance options, and co-payment options which will affect your premium. Doing this you can see exactly what it will cost you and the bottom line of the benefits to know if it would be a policy to fit your own personal needs and budget.

Once a plan has been selected the insurance broker has copies of applications on hand to each insurance company for you to fill out, so the wait time is kept at a minimum. When your application and, usually, your premium amount are received by the broker your coverage could become effective by the first of the next month if your application is accepted.

If you are a person that would be considered to have one or more 'pre-existing' conditions, you might be hesitant to even try to get insurance coverage. A pre-existing condition is something you have been diagnosed with and requires ongoing treatment or could require future treatment. A broker can help you in this respect also. If the broker you have chosen has been in the field for a long period of time, they tend to have a better idea of which insurance company would be stricter than others. Having that kind of knowledge can help you without having to go through quite as many headaches.

Insurance brokers can help employers too. Looking for an insurance company that will offer the best benefits for your employees at the best possible rate can be just as much of a challenge. Going through each insurance company individually can be very time consuming and very frustrating. On occasion you can get better rates if you are speaking with the insurance companies directly, but for the time it takes, a broker can cover a lot more ground and usually come up with rates that would be pretty comparable.

The bottom line is that I have yet to encounter a situation that would deter me from using an insurance broker. Brokers cut the time down on the leg work it takes to get the variety they offer, they can give you helpful hints and information on specific insurance companies to help get through the process faster, and they can help with what might be problematic situations. If you go into an insurance broker's website and don't like what they have to offer, there are many other insurance brokers websites out there that will have what you are looking for.

Vicky Burton Quality Medical Billing, INC. medbillingforum.com Article Source: http://EzineArticles.com/?expert=Vicky_Burton Fill out our simple quote form form to get started today! What Our Customers Are Saying: Dear Mr. Silverstein, " I understand you are the owner of Headquarter Insurance. Your employee, Denise Quinn, has assisted me with obtaining information and an insurance policy for myself and my son. She is WONDERFUL and you should consider her an asset to your company. She was resourceful, helpful, understanding, and never pushy. She even found others in her department to help answer questions far above the "call of duty." In today's world, you find very few people that are GOOD people and good at their job. Everyone is quick to complain about bad service: DENISE was excellent, and this is why I decided to take the policy she suggested." Fill out our simple quote form form to get started today!