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Contrary to what television commercials and magazine advertisements would have you believe, you don't need the chemicals in most toothpastes, mouthwashes, and other oral health care products to tackle gingivitis, periodontal gum disease, dry mouth, or bad breath. In reality, many of those advertisements mislead you into believing that simply using mouthwash will combat periodontal infection. In fact, the plant soaps, essential oils, vitamins, and herbs in natural oral health care products are often more effective in the treatment of gingivitis, in periodontal disease prevention, in dry mouth treatment, and in the everyday care of healthy teeth and gums.

Although most people don't make the connection, your teeth and gums can have a dramatic impact on your health and well-being. Gum problems, tooth decay, and even mercury fillings can have a negative impact on your health.

The Signs of Healthy Gums

When your gums are healthy, they have a nice pink color, and don't bleed when you brush your teeth. In addition, your gum line tightly hugs your teeth. Unfortunately, however, periodontal disease affects three-quarters of the population. Because it's often painless, most people are unaware that they have a problem.

Warning Signs of Periodontal Disease

The symptoms of periodontal infection range from bleeding in the gum pockets; red, swollen, or tender gums; an abscess on the gum surface; gums that have pulled away from the teeth; and persistent bad breath.

Bad breath is more than an embarrassment; it's a warning sign that unhealthy bacteria are growing in your mouth. If you floss your teeth and the floss smells like rotten eggs, you most likely have periodontal disease that is causing the hydrogen sulfide compounds in your mouth to multiply.

Similarly, dry mouth is more than an annoyance; a persistent lack of salivation can actual accelerate tooth decay and gum problems because saliva helps keep the bacteria and fungi in your mouth in check.

How Natural Oral Health Care Products Can Help

Natural oral health care products address the root of the problem, rather than simply the symptoms. For example, dry mouth can occur as a side effect of many medications, or as the result of a medical condition. Many commercial oral care products contain alcohol or sodium lauryl sulfate, which can further irritate and dehydrate your mouth. A refreshing, natural gel, on the other hand, can actually stimulate the salivary glands to produce more saliva, which in turn will help control the bacteria and fungi.

Similarly, there are many products on the market that advertise a solution to bad breath. In fact, most of these products contain alcohol, which over time dries out your gums and makes the problem worse. Natural oral health care products avoid alcohol and instead use a blend of ingredients that discourages the growth of the organisms that cause bad breath.

Good oral health care is a habit worth developing. And, by using natural oral health care products, you can be assured that you are doing all you can to treat the problems you have, or to prevent the development of gingivitis, periodontal gum disease, bad breath, and dry mouth.

Chris Robertson is an author of Majon International, one of the worlds MOST popular internet marketing companies on the web. Learn more about Natural Oral Health Care Products or Majon's Health and Beauty directory.

Hoodia

As I mentioned in Part 4 of my Real Health diet series, I believe that taking green foods, particularly spirulina and chlorella, is very important to your health. This article will focus on why you should take spirulina.

You may have heard these words, spirulina and chlorella before. What are they though? Basically they are green microalgae. They are microscopic plants which grow in fresh water. They are green due to chlorophyll.

It is sold in the form of powder. I take mine in veggie capsules. I believe the best comes from the Nutrex company in Hawaii. They sell under their own label. They also provide the spirulina that I buy from Jenny Lee Naturals, which sells a 580 capsule bottle.

First, spirulina. Spirulina is an amazing food. And it is a food, not a medicine. First, it contains protein. A lot of protein. Three times more protein by weight than beef. And this protein is more digestible than beef, so you take in more of it into your system. And spirulina contains complete protein, all eight essential amino acids.

It contains vitamin B12, and since it is a plant, of course it is a vegetarian source. B12 deficiency has been linked to low bone mineral density, forgetfulness and cognitive problems. You can ask your doctor for a test that will tell you if you are low in B12.

It contains the second highest amount of GLA available. GLA is gamma linolenic acid. This is what is called an essential fatty acid. The most GLA available is found in human breast milk. GLA is essential to babies in that it helps the brain grow and build new connections. It also enhances the immune system. If like me, you were mostly bottle-fed, you probably never got enough GLA. Spirulina is a great source of it, so you can start making up for that lack right now.

Spirulina also contains chlorophyll and beta-carotene, both powerful antioxidants. They help support your immune system and may have anti-cancer effects. Spirulina is also an excellent source of calcium. And of course, they are full of phytochemicals.

Think of spirulina as food, not pills or medicine. I take 30 400mg capsules a day. If you are ill, you can take up to twice that till your conditions improve. For bodybuilders, the protein in it makes it perfect to take some after a workout.

Give spirulina a try. I believe you will find that it will improve your health and support your efforts at healthy living.

Barbara Pfieffer writes about gaining real health on her blog, Real Health.

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Different Procedures for Filing Different Insurance Claims

Guidelines for filing insurance claims differ with the different types of policies. If you are filing insurance claims for medical insurance, then you should do it within two months of the medical appointment. Before filing insurance claims, do not forget to get the photocopies of all the papers you are sending to the insurance company. If the matter is not settled even after the 45 days of filing claim, contact the insurance company to resolve the issue immediately. You also need to ascertain that the doctor has indicated appropriate diagnosis codes in the receipts. Insurance company may delay the process in absence of these codes.

Call the Agent Immediately

Guidelines for filing insurance claims for other kinds of insurance require that you should thoroughly examine whatever property has been damaged. Then call the insurance provider or the agent so that you can report the damage to the insurance company. Here it is important that you note the name of the person to whom you are talking along with the record of date and time. Do not forget to give him your phone number so that he can contact you immediately as and when required. Keep handy your insurance policy number at the time of reporting. Call a photographer so that the photography or the video recording of the damaged area can be done.

Make Temporary Repairs Only Before Inspection

Do not make any permanent repairs unless the claim adjuster has examined the property and estimated the extent of the damage. However, it is possible to do necessary repair work to prevent the property from being damaged further. For example, you can repair holes in the roof or windows so that the water does not come in and make further damages. You are entitled to get the reimbursement for the amount of money you paid for temporary repairs, so keep a record of it along with all receipts. However, you should keep damaged material so that you can show it to the adjuster as a proof of the loss. It will make it easy for the adjuster to assess the damages to the property. You should put your signature on the statement of proof of loss and ascertain that if any further damage is discovered it will also be added.

CAT Offices

One important question regarding filing insurance claims is what you would do if the office of insurance company itself is damaged and closed. In such circumstances, insurance companies send catastrophealso known as CAT‑teams in or near damaged areas so that people can contact them. If you are unable to find the CAT office, you can visit the official web site of the insurance company to get the address.

Alexander Gordon is a writer for http://www.smallbusinessconsulting.com - The Small Business Consulting Community. Sign-up for the free success steps newsletter and get our booklet valued at $24.95 for free as a special bonus. The newsletter provides daily strategies on starting and significantly growing a business.

Business Owners all across the country are joining "The Community of Small Business Owners to receive and provide strategies, insight, tips, support and more on starting, managing, growing, and selling their businesses. As a member, you will have access to true Millionaire Business Owners who will provide strategies and tips from their real-life experiences.

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Ironically purchasing separate policies in many cases does not offer the you the best auto and home insurance quotes available. It is obvious that insurance is needed for our most expensive assets, home and car, but it seems no research or comparison of insurers is done to secure the lowest possible premiums. Low premiums do not necessarily denote inferior products but savings for you if you do your homework. If you have an already tight budget, finding an affordable policy from one company that covers everything that you need may require some time and research, as you would think. It is however time well spent if you get adequate, affordable auto and home coverage and you if ever need to make a claim against the policy.

Yes, this task can be a bit tiring and confusing but do not sign up with the first company that offers you what seems like a good policy. It is only by searching and comparing auto and home insurance quotes that you will you locate the most affordable insurance that fits your requirements for both. Compare each insurer's rates, features and coverage to get the best car insurance policy for your needs. Asking questions will no doubt give you the answers that you need to make an informed decision.

One of the best ways to save money in insurance is also one of the most over looked, buy your homeowners and auto insurance policy from the same company. That's right, buying these as combined insurance policies from one company can save you hundreds. Many companies have discount rates for customers that choose multiple products. Yes, you have to find the right company but for years this this people have been paying lower premiums by simply insuring with one company.

Your current insurance company may be as far as you need to look for the best home and auto insurance quote. If they offer both types of coverage and you only have one (home or auto) inquire with your agent or some one at the company what the cost would be to add the other type. You'll be asking for a combined or multi-line policy or something similar. Since they definitely don't want to lose your business you will be surprised that many insurance companies offer their current policy holders special discounts for the multiple coverages they provide.

Getting the right insurance coverage that you need for your home and/or car is critical. It is important that you know what type of coverage that you need in order to have the right coverage for the region that you live in. Consult with an insurance agent concerning the type of coverage that fits your circumstances, and he or she will advise you of any pros and cons.

The use of the internet can quickly yield auto and home policy comparisons, but using offline methods may present you with a local insurance agent or company that is smaller. In times of crisis, it is comforting to realize that your name is known by a agent that is sympathetic to your needs. Since most agents and companies have a website now a days you can easily find and compare different insurance company features online, in some cases multiple companies at once, and find a local agent as well. After a little research and comparison you should walk away satisfied that you have saved money and secured the best auto and home insurance quote available.

Get More information on protecting your home and car click here Home Owner Insurance Quote. Also go to http://Best-Home-Owners-Insurance.Com where you can get more info on your home insurance options including home owner flood insurance, home contents insurance, AARP home owner insurance and more...

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When it comes to auto insurance, most consumers have questions about the kind of coverage they buy, what they're required to have and if there are options for high-risk drivers.

Learning the answers to these and other questions can help you make better purchasing decisions when it comes to car insurance. And now, finding answers is easier than ever!

Frequently Asked Questions about Auto Insurance

Can I drive without car insurance?

No! Almost every state requires its motorists to carry liability insurance, which covers damages to people and property resulting from an accident for which you are at fault.

All states also have financial responsibility laws, which require you show the state that you have the funds to pay claims if you have a bad accident. If you don't have proof of sufficient funds (which varies by state), you'll need to purchase at least the minimum state-required coverage.

What are the minimum insurance requirements?

While minimum coverage amounts vary by state, all state-required insurance will cover your liability for bodily injury and property damage.

For example, if the minimum auto insurance requirement in your state is listed as 25/40/15, this means that you'll have coverage up to $40,000 for all motorists injured in an accident, up to a $25,000 for one person in an accident and $15,000 for damaged property.

While this may seem like a healthy amount of coverage, purchasing the state minimum is really purchasing a bare bones insurance policy. The Insurance Information Institute (I.I.I.) recommends carrying at least $300,000 liability coverage per accident and $100,000 per person--and your insurer will encourage you do to the same.

What happens if I can't find car insurance?

If you've applied for car insurance and been turned down because of your driving record or other factors, fret not--you still have options available to you. According to the I.I.I., you have two options: join a state assigned risk pool or buy a policy from a non-standard insurer.

An assigned risk pool consists of insurers in your area, who under state law, are required to participate in proportion to the amount of voluntary business they accept. As a result, insurers must accept motorists assigned to them and write policies accordingly. But because insurers have to take a substantial risk on insuring high-risk drivers, premiums are significantly more expensive.

Non-standard insurers may also be able to write you an auto insurance policy. These types of private insurers typically write policies for motorists with a poor history of accidents, people who live in "high-risk" neighborhoods and those who drive high performance cars.

While both of these options may have you forking over some extra cash, they might be your only source of auto insurance until your circumstances improve. Just remember to keep shopping around so you can switch insurers once you find a better premium price.

What are the differences between nonrenewal and cancellation of a policy?

You or your insurer can choose not to renew your auto insurance policy after it expires for a variety of reasons. You might decide not to renew your policy if you find a better deal somewhere else or weren't happy with the service you were receiving.

An insurer may not renew your policy if you did something to substantially increase their risk to cover you--or if the company decides to write fewer policies in your area.

Cancellation, on the other hand, is more serious. According to the I.I.I., insurers cannot cancel a policy that's been in force for more than 60 days unless:

• You fail to pay your premium
• You defraud the company
• Your driver's license is suspended or revoked

Cancellation of your policy may also make it harder to find insurance in the future, thus forcing you to buy a high-risk policy for a more expensive premium.

What if I'm not satisfied with my insurer?

As a consumer, you have rights when it comes to your auto insurance. If you're not satisfied with your agent, let him or her know. If your complaint still goes unchecked, see if the insurer has a consumer complaint department and file a complaint.

If your issues remain unsolved, contact your state department of insurance. The department of insurance exists for consumer education and protection, and they can provide you with help and resources to take your complaint to the next level, or find a new insurer. You can contact your department of insurance by phone or find them online for more information.

A knowledgeable consumer is a powerful consumer!

Finding questions to your auto insurance answers is the first step to becoming an educated consumer--allowing you to make wise purchasing decisions about affordable car insurance. Find more answers to your auto insurance questions by contacting your state department of insurance!

About InsureMe

Megan L. Mahan is a copywriter and insurance information expert with InsureMe in Englewood, Colorado. InsureMe links agents nationwide with consumers shopping for insurance. Specializing in health, home, life, long-term care and auto insurance quotes, the InsureMe network provides thousands of agents with insurance leads every year. For more information, visit InsureMe.com.

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