Communication in Relationships

Communication in relationships is vital. When couples are having problems in a relationship, communication is the first thing to stop. It is often easier to just be quiet than to get mad. When rebuilding love and marriage relationships, just as communication was the first to stop, it now needs to be the first to start. This will require both individuals to let down their guard and pretty much throw caution to the wind. Healing in the relationship cannot start until you talk. Make an agreement that you will talk about anything and everything and that you will listen, really listen. This does not mean that you will agree with everything, which is perfectly fine.

However, if you do not agree, do not yell, but rather the two of you need to calmly discuss the issue and together work out a solution. This is hard work but within a very short time, you will both feel much better, individually and as a couple. Get into a habit of listening to what your mate is saying. Not the kind of listening that you do when you go out or sit at the dinner table, but a different kind of listening. Have you ever overheard your mate make a comment to a friend or family member about something they really want or want to do? Maybe you heard your boyfriend or husband tell a friend that they would love a certain tool. For no reason whatsoever, make a special effort to get that for him. You might have heard your girlfriend or wife mention a spa that they would love to try. Again, without any reason, surprise her. This shows that your mate is really paying attention to things important to you.

You may not think this is important, but think back to the first time you saw your mate. More than likely, the first interaction was through eye contact. If you are having dinner during the holidays with a large group of family and friends, glance over to your mate and give them a seductive wink, or if your mate is giving a speech and you are there to offer support, attentively look at them, making directly eye contact and offer a warm reassuring smile. Eyes can say a lot! There are lots of relationship resources online that can enhance and enrich your relationship. Many of these are free.

Terje Brooks Ellingsen is a writer and internet publisher. He runs the website 1st-Self_Improvement.net. Terje is a Sociologist who enjoys contributing to the personal growth and happiness of others. He tries to accomplish this by writing about self improvement issues from his own experience and knowledge. For example, relationship issues and online stop smoking help resources.

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Best Health Insurance Plans

The best health insurance plan is one that will give you the most benefits for the least amount of money. Here's a rundown on the pros and cons of today's health insurance plans.

Indemnity Plans

Indemnity plans are the original health insurance plan, but fewer and fewer people are buying them these days because of their high premiums.

* Pros - You can choose your own physicians and hospitals.

* Cons - You must pay a $500 to $1,000 deductible before your insurer will pay your claims. You may have to pay your medical bills yourself, then submit your bills for reimbursement. If your doctor charges more than what your insurer considers "reasonable and customary" you end up paying the difference.

HMOs

HMOs (Health Maintenance Organizations) are the least expensive and the least flexible health plans.

*Pros - Your co-payments (the amount you pay before your insurer pays a bill) are cheap, usually $5 to $10. The paperwork involved is much less than that of an indemnity plan.

*Cons - You can only visit doctors within a prescribed network of doctors. You must choose an in-network primary care physician who oversees your medical services, and you must get a referral from him or her to see a specialist.

PPOs

PPOs (Preferred Provider Organizations) are more flexible and cost a little more than HMOs.

*Pros - Your co-payments are cheap - $5 to $10. You may visit an in-network specialist without getting permission.

* Cons - If you see a non-network physician you may have to pay his bill and submit it to your insurer for reimbursement. You may also have to pay a deductible or pay the difference between the non-network physician's bill and what a network physician's bill would be.

POS

POSs (Point of Service plans) are more flexible and cost slightly more than PPOs.

* Pros - You can visit a non-network doctor with your primary care physician's approval and still receive coverage. These plans offer more preventative care (health workshops, health club discounts, etc.) than HMOs and PPOs.

* Cons - You must pick a primary care physician to oversee your services. If your primary care physician does not approve your visit to a non-network physician, you may have to submit the physician's bill and only receive partial payment.

Best Health Insurance Rates

Getting the best price on health insurance is the same as getting the best price on anything else - you have to comparison shop. The quickest and easiest way to shop for health plans is to go to an insurance comparison website. There you'll fill out a simple form with your health information and the type of insurance you want, then wait for your quotes.

Some comparison sites even have an insurance expert on call who can answer your questions either by phone or through an online chat service. (See link below.)

Visit http://www.LowerRateQuotes.com/health-insurance.html or click on the following link to get health insurance plan quotes from top-rated companies and see how much you can save. You can get more insurance tips in their Articles section.

The author, Brian Stevens, is a former insurance agent and financial consultant who has written extensively on health insurance plans.

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