Thursday, August 13, 2020

4 Things You Must Do If Your Car Insurer Won't Pay Out

 

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A silver lining of the Coronavirus pandemic has been that there have been fewer cars on the roads. As a result, there aren’t as many accidents, which means more motorists, cyclists, and pedestrians aren’t in undue danger.


However, the restrictions ease, the odds of being involved in an incident increase ten-fold. When another driver hits your vehicle, you rely on your insurance company to pick up the slack. Sadly, 18% of all insurance complaints are a result of a lack of cooperation from insurers.


So, what are you supposed to do if your claim is rejected and you’re left in the lurch?


Ask For A Detailed Explanation


Policy providers are skilled at using platitudes to pass off their decision-making process. Don’t let them do it because they’ll bury your application so that it never sees the light of day. As soon as an insurer says that they can’t payout, your first move should be to demand a thorough explanation. Not only do you want them to highlight the main reasons for the rejection, but you need it in writing too. That way, you have a codified copy that you can refer to should you have to take it further.


Reference Your Records


Your records can take various forms. For example, if you use a dashboard camera, that will be the critical evidence in any correspondence as it clearly shows you weren’t at fault. However, video footage isn’t the only type of information that you might need to present. A detailed history of your vehicle, from years of maintenance work to receipts for purchases, will be essential. Sometimes, an insurer might say that your plan is void because of unofficial products and services. In that case, proof of purchase should eliminate any suspicions and make the company change its mind.


Don’t Repair Your Vehicle


Photographic and video evidence of your car is essential, so please capture as much footage as possible. Still, the last thing you should do is fix your vehicle before the process has run its course. Unless an official from the insurance company analyzes the damage, there’s no way for the insurer to gauge what happened and who’s at fault. Plus, even a vehicle that appears totaled will get quick cash for junk cars and scrap metal if you use a junk removal firm. It might not be the money you thought you would get, but a little cash is better than none whatsoever.


Be Persistent


Insurance providers work slowly. Therefore, you won’t secure a quick solution. If anything, you’ll need to wait for a couple of months before you start to see the light at the end of the tunnel. Stay strong. Too many applicants file, receive a rejection letter and decide it’s not worth the hassle. Of course, it depends on your circumstances, yet most people can’t afford a new vehicle without a payout, not to mention the increase in their premiums.


Being persistent will clear your record so that you obtain the necessary fund to repair or replace your car. That’s how insurance should work.

How To Overcome A Fear Of The Dentist

 You know that going to the dentist is very important for your health, but it doesn’t stop you feeling scared and nervous before you go. It’s common to feel a little nervous before a trip to the dentist, but it isn’t normal, or healthy, to be so afraid that it stops you from going. Serious anxiety about the dentist prevents a lot of people from taking proper care of their teeth. Skipping the dentist can cause dental pain, lost teeth, gum disease, and more serious infections. But what causes this fear and what can you do to overcome it?


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The Cause

Some people are so afraid that they avoid the dentist altogether, whereas will put it off unless absolutely necessary. 


For many people, a bad experience with a dentist is the root cause of fear. For others, a fear of dentists is a side effect of separate issues, such as mood or anxiety disorders, substance abuse, posttraumatic stress, and other conditions. 


Being afraid of going to the dentist usually doesn’t stem much from experiencing pain, but more from feeling out of control while in the dentist’s chair. You’re lying in a prone position with a dentist leaning over you, unable to really talk or respond. This creates a sense of anxiety because you don’t feel in control of the situation. 


Sometimes, fear is accidentally created by the dentist themself. Some dentists assume all patients have similar pain thresholds and will handle all dental procedures in the same way. If these dentists were more careful with pain control and made sure their patients were comfortable, there would probably be fewer people scared of the dentist. 


Treating Fear Of Dentists

Some dentists specialize in treating fearful patients, so you can look for one of those. These dentists are extra careful to make their office a nonthreatening environment. This might mean designing offices that don’t look much like dental surgeries, using soothing photography or music, and not displaying standard dental care posters. Sometimes the dentist themselves will favour more casual clothing instead of scrubs. The sights, sounds, and smells of a typical dental surgery can be scary, so removing those triggers can help immensely. Look for a dentist who understands and who makes you feel in control. The ideal dentist for a scared patient will:

  • Gently and clearly explain what the patient will feel, and for how long

  • Frequently ask the patient for their permission to continue

  • Give the patient the opportunity to stop the procedure at any time the patient feels uncomfortable and will arrange a cue to signal this request

  • Make time for breaks, if needed


If you’re looking for a new dentist, be honest about your fear from the beginning and see how they respond. Just because a dentist claims to be good with fearful patients, it doesn’t mean they are. Ask to speak to the dentist before you go in for your first appointment. If the receptionist is dismissive of this request, or the dentist never calls you back, then it isn’t the right place for you. 


No matter how worried you are, it’s likely that the dentist won’t be as painful as you’re scared it will be. When surveyed before and after major procedures like root canals or wisdom tooth extraction, most patients report anticipating a lot more pain than they actually experienced. 


Despite knowing this, you might still be afraid of going into the dentist’s chairs. If this is the case, there are some tricks that you can try to help you relax. 

  • Ask someone you trust to come with you for the first visit to a new dentist. This should be someone who has no fear of the dentist. Ask if this friend can sit with you during your treatment. 

  • Look for distractions while you’re in the dentist’s chair. Take headphones and listen to music or an audiobook. Find a dentist who has a TV for patients to watch in the chair. 

  • Try relaxation techniques. Controlled breathing can work well. Take a deep breath, hold it in, then let it out very slowly. This slows your heartbeat and relaxes your muscles. You could also try progressive muscle relaxation, which is when you tense and relax different muscle groups in succession. 

  • Ask your dentist about sedation. There may be sedatives that are available and appropriate for you, such as local anaesthetic, nitrous oxide (known as laughing gas), oral sedatives, and intravenous sedation. Oversedation can be dangerous, but if you need a procedure and really can’t face it, it can help. 

  • See the dentist at a less busy time, such as during the morning. There will be fewer people, so less noise of dental tools from other rooms. Your dentist is also more likely to have more time to put you at ease and let you take breaks than they will later in the day, when they may be running behind on their appointments. The later you go in the day, the more time you have to let your worries build up too. 

  • If you’re really struggling to force yourself to visit the dentist, then see a psychologist. Treating a dentist phobia is much like other phobias, and is often helped by direct therapeutic exposure. This means you will be introduced to feared items, such as dental tools, in a controlled, gradual, non-threatening manner. 


Like many other worries, it can also be very effective to talk about how you feel with someone who understands. There are support forums online for those who fear the dentist where you can speak to like-minded people. Make sure you use this as a resource to get support and suggestions for coping, not to frighten yourself more with other people’s dental horror stories and fears. 


You can also try anti-anxiety medications. This won’t treat your fear of the dentist but can help you to cope with your fear long enough to get through an appointment. It can also ease physical symptoms of fear, like high blood pressure. If you do decide to try medication, make sure you tell your dentist at the start of your appointment, in case they need to give you something which will interact with your medication. 


Fear Or Phobia

Fears and phobias are often talked about interchangeably, but they are actually very different things. 


Fear is a strong dislike that causes avoidance, but you usually don’t think about it until the fear actually presents itself. A phobia is a much stronger form of fear. Phobias are a kind of anxiety disorder and will cause extreme distress and avoidance, and can interfere with your daily life. 


A phobia is also often something that will not cause you any harm in reality, but you can’t help thinking that it will. 


A fear of the dentist could mean you dislike going and put it off until you really have too. You might dislike the feel or the sound of the instruments, but you go when you need to. 


Dentophobia can cause you to feel such an extreme fear that you avoid going to the dentist at all. Just the thought of the dentist is enough to trigger anxiety. You might even nightmares and panic attacks. 


The causes and treatments of a fear of the dentist and dentophobia can be very similar. However, it is likely that a legitimate phobia of the dentist will take more time and more work to learn to cope with, so you will need to be prepared to put the work in for the sake of your oral health.  

Wednesday, August 12, 2020

Just Because You've Got Them, Doesn't Mean The Effort Should Stop

 Sometimes people face issues in marriage because one or both parties seem to be under the impression that because you have the person, there is no longer any need for a large amount of effort. This is simply untrue, and all that will happen here is that you’re going to drive your significant other away because they won’t feel loved by you anymore. Whether this is the case or not doesn’t matter because, without the effort, there isn’t going to be much there. That’s why you’ve got to make sure that you don’t ease up on this just because you are married. In this article, we’re going to be looking at some of the small things that you can do that really make an effort and show the one you love how you feel. Keep reading if you want to find out more.


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Flirt With Them


The first thing that we are going to look at is flirting with them. Remember at the beginning of the relationship when you would flirt all the time? You would send each other cute little messages, you would always want to be around each other, making cute little faces and so on. These are the kind of things that you shouldn’t stop doing just because you’re married. Don’t take the fun out of being with someone, remember what a good time you had in the beginning. This doesn’t have to stop just because you’ve now decided to spend the rest of your life with them. If anything, that should make things even more fun for you.


It’s a little thing like this that can mean a lot to a person. Leave them cute little notes to let them know you’re thinking about them when they’re not around. Just the simple things are good enough like ‘Have a good day’ or something. Write what’s on your mind, and that’s just one example of something you could try.


Buy Them Little Gifts


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The next thing that we are going to suggest is that you buy them little gifts here and there. We know that money can be tight, but even looking at plants online that you can purchase just to say that you love someone is a gesture they’re not going to forget in a hurry. It doesn’t have to be an expensive gift to be meaningful, and that is the end goal here. You want them to know that you were thinking of them and that you saw whatever you decided to purchase and thought of them. They’re going to love whatever gift you get simply because you took the initiative to do so!


Let Them Know You Love Them


Sometimes, all the other person needs is to hear that you love them. This is enough. It can be tough when you’re married because there are so many responsibilities that get in the way but make sure you’re making time to show your love. There is nothing wrong with saying I love you to the person you’re married to, and you can never say it too much. Trust us, nobody is ever going to ask you to stop telling them how much you love them. It’s just a little bit of reassurance on their part and effort on yours.


They will likely do the same thing back if you keep it up. Don’t let the romance or the feelings die just because you are committed to each other, take it back to when you were first together and couldn’t get enough of saying those three little words.


Stay Faithful


The final thing that we’re going to look at is staying faithful. The longer you are with someone, some people start to get curious about what else is out there. If you are unhappy with your spouse, talk to them about it, or leave the relationship, don’t cheat. It’s never a nice thing to be cheated on, and it’s completely unnecessary seeing as nobody is forcing you to stay in a relationship where you are so unhappy. Think of all the times that you have had together, and what you could be throwing away for something that likely isn’t going to be what you think it is. Talk it out, stay faithful until the end.


We hope that you have found this article helpful, and now understand that just because you got the person you want to spend your life with, doesn’t mean this is where the effort should stop. Take this advice, and your partner is going to be happier than ever before. Good luck!

5 Alternative Birthday Gifts For Your Husband

 It’s that time of the year again, when you simply can’t decide what to buy your husband for his upcoming birthday - and it’s no secret that buying gifts for men can be quite a task. Do you go for the same old sock gifts or do you make the effort to try something different? Birthday greeting cards on the other hand are so much easier to choose especially the ones of a comical nature. So, why not spice things up this time around but looking at some cool alternative birthday gifts for men like these listed here. 


  1. Get a customized mug


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Customizing a mug with cute quotes, funny puns, or an image of the two of you is an excellent and lovely gift you can give your husband for his birthday. Not only is it a gift that would last for a long time, but you are guaranteed to make his morning every time he uses it. The plus is, these are easy to make, and there are many online stores where you can just create your mug or purchase an already customized one.


  1. Gifts for relaxation


What better way to celebrate a new birthday year than to get comfortable and relax? Get him a pair of comfy slippers, a snuggly beanie, some comfortable sweatpants or pajamas. These are the ideal relaxation must-haves, but if he’s a fan of music, you can get him a fresh pair of headphones or portable speakers. If he’s a movie buff, why don’t you make him feel like James Bond? Get him a classy Pendleton men’s lounge robe, some cool sunglasses, or perhaps a premium cigar from Road Runner Cigars, which he can enjoy on his special day.  


  1. Get him a recipe book


If your husband loves to cook, bake, or grill, get him a recipe book to expand his skills. If he wants to learn, there are recipe books suitable for beginners, and he will be so excited to finally gain some cooking skills. You can try booking him a cooking class like MasterClass, which involves online courses that would help him learn more about cooking and some crafts from the professionals themselves.  


  1. Buy him personalized stationery


Getting him a set of writing instruments is an excellent gift if your husband writes a lot at work, is a novelist or an artist. But, having his name engraved on them makes it even more special. You can also get him personalized notepads, stamps, or envelopes, and envelope openers. If he owns a business, you can take the opportunity to get him business cards.


  1. Create a memory box you can give him on his birthday


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There may have been some keepsakes you have saved in the course of your relationship. Do you have the receipt from your first date? Or perhaps you still have the tickets to a concert you created fun memories at. If yes, then create a memory box with all your keepsakes to make a sentimental gift on his special day. The memory box does not have to be with just memorabilia. You can put handwritten letters of love, encouragement, and kind words too!  


So on his birthday this time around, ditch the old traditions and try one of these five birthday gifts for your husband.

How To Regain Your Confidence Once It's Lost

 Confidence is a funny thing. It’s fragile, like glass, and anything and everything in life can make it slip and shatter. One minute, you’re happily bumbling along with your day-to-day activities and the next, something pulls the rug from under you and shatters your confidence completely. It’s very easy to lose your confidence in life, but it’s much harder to get it back again once it’s gone. 


It’s nice to feel like you are doing well in life. So many people put pressure on to achieve - whether that’s in work or your relationship - and it can be exhausting to keep all of the plates spinning. You feel you’re doing well if you haven't lost your career, or succumbed to a divorce and if you do lose a job or deal with your marriage breaking down, it can be hard to get your confidence back to those pre-trauma levels. You can manage a job loss with taking the positive and finding a new job, and you can have the right law firm working with you to get a divorce pushed through, but getting that confidence back? That’s all on you. Traumatic experiences take a toll on us - but you can feel confident, radiant and happy once again. 


It will take a little work, of course but things like this are never easy. Instead, they’re a journey to get from where you are now to where you want to be, and once you get there, you will never look back. So, no matter the cause of the confidence drop, you need to reach out and grab that new life ahead of you, and we’ve got some tips to help ensure that you regain your confidence once again.

Silhouette of Man Raising His Hands

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Be Kind to Yourself

The first thing that you have to do for yourself is to be kind. A knock to your confidence can change the course of your life forever, even if you don't know it. When other people notice things about you or say something about your demeanour, you’re going to remember what it’s like to feel worried instead of confident. You have to do the best you can to be kind to yourself. Whatever you believe self-care to be, introduce it to your life and make yourself a priority. The better you care for yourself, the more your confidence will grow.

Ask For Support

Your friends and family are the best people to rally around you when you need to build your confidence. They’re going to go with you to get new clothes or have a makeover, and they will be there to tell you whether your plan to go back to school or burn your ex's clothes is a good idea. You need support, and sometimes, that can even come from therapy. If you’ve dealt with a trauma, then a mental health specialist will help you to overcome it.

Find A Distraction

Did you know that exercise can serve as an excellent way to build your confidence? When you feel good on the outside, you feel better on the inside. Movement and exercise can help you to burn off a lot of the frustration you feel after a job loss or other event that rocks your confidence. The bonus is that it can also make you fitter at the same time. This way of thinking can also give you space to clear your head and work out your next steps for a better, healthier future. Take your time: the future isn't going anywhere right now and the online home gym programs are right where you need them to be.

Person Holding Cup Of Coffee

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Stop Moping

Okay, you WILL do this, but the best thing that you can do is do this to your pillow late at night. Say all the ugly things you need to say about the people who were involved in your confidence being shattered, but then take a breath and carry on with your day. You do not need to spend the majority of your day feeling sorry for yourself - it doesn't get you anywhere in life. Instead, you need to believe in all the good things in yourself. Someone’s words can reduce you to a mess if you let them, but while you build your confidence, let’s focus on all the good things that your life has instead of all the bad.

Plan Your Next Steps

It can take time to get your brain to realize that you still have a life to lead no matter what. You need to think about what you want next for your life and how you hope to achieve it. This is a great distraction and all the plans that you make, from study to holidays to getting a new job - it will all help! You can choose to map out your next steps whether you feel confident or not, and hope that the feeling of brilliance comes back again. You need to have a focus, a goal to explore. Things you may not have dared asked for from life could be asked. Places you wanted to go could be explored. You have a chance to revamp your life in a new way, and it’s not an opportunity that you should miss out on. Confidence can grow from the tiniest seed if you only would plant it and watch!


All you need to do here is to ask yourself what would make you feel complete. Once you know how to claw back your confidence and grow away from what took it in the first place, you can prepare yourself for a future of you. Life can be a messy, bumpy road to travel down. But with careful planning and surrounding yourself with the best people, you can ensure that you stay confident no matter what other people say or do. Take the time to plan your future carefully, and you will be able to see that there is plenty to celebrate about you right now. Stop waiting around - get that confidence back!