Insurance Companies and their ‘No Medical Test’ Policies

Such policies are nothing less than hidden attempt to reject most claims. Many policy conditions are written in such ambiguous fashion that the TPA and/or Insurance companies can reject any claim at their will and discretion. Before signing for any policy, one needs to go through and understand all conditions laid down in the policy/prospectus. Unfortunately, these conditions of the policies are written in such a language that these can be turned and twisted by the TPA/ Insurance Companies. If someone requests them to send a ‘rejection letter’ , for that also TPA insists that all their procedures must be completed.

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First Things First

Time management is the process of planning how to segregate your time between specific activities to accomplish your goals effectively. Time is always limited, so ensure that you spend right amount of time on the right activity. Skills involved in managing your time efficiently include planning, setting clear-cut goals, prioritizing tasks, and monitoring where your time actually goes.

Setting priorities is a vital tool in the time management toolbox. Put important things first i.e., complete the most difficult tasks first and then, identify your top priorities as well as the amount of time you need to invest in them. Good time management facilitates you to work smarter – not harder – so that you get more done in less time, even when pressures are high.

Once, a lecturer walks into a classroom with a bag of sand, pebbles, some big rocks and a bucket. He calls out one of the student to put all three grades of stone into the bucket.  The student duly comes forward to carry out the task, starting with the sand, then the pebbles, and then the rocks, which do not fit in the bucket. This is an analogy of poor time management. If the student would have put the rocks first, then pebbles and then the sand, all three would have perfectly fit as the sand slides between the pebbles and rocks easily. This is much like time management, by completing the biggest task first, you leave room to complete your medium tasks, then the small or easy ones. If you spend all your energy and time on the small stuff, you will never have room for the things that are significant to you. Therefore, take care of the big rocks first i.e., the things that really matter. Set priorities. The rest is just sand.

Time flows in the same way for all human beings – be it rich or poor. It seems like there is never sufficient time in a day. But, since we all get the same 24 hours, why is it that some achieve so much more with their time than others. Time management helps you decide on what to prioritize in life.  Rank daily tasks based on its importance and make a priority list. There is no one busy in this world, it just depends on priorities. One will always find time for the things that he/she feels important. It’s not about ‘having’ enough time. It’s all about making time.

People with no definite goals will find it difficult to prioritize time. Set your goals as high as possible and strive hard to accomplish it. People often miss time unknowingly.  For example, most people listen with the intent to reply, not with the intent to understand.  You must probably seek first to be understood. The whole purpose of time management is to enable you to have enough time to spend with your loved ones, doing the things you enjoy. Pay attention to the stuffs that are critical to your happiness. In fact, if your mind is cool, you will start enjoying life.

There are many principles of time management that would make a great difference to the way you manage each day.  Mastering the principles of time management is important to achieving your goals.

Now let’s have a look at the principles of time management:

Planning

The key principle to effective time management is planning. Planning involves thinking in advance how to manage your time to achieve the desired goals or results. With an effective plan, you will never sit around and wonder as you will have a schedule with priorities that need to be achieved. This will enable you to finish one task completely and then move on to the next quickly.

Creating deadlines                                             

Self-imposed deadlines are one of the most effectual techniques of assuring productive effort by monitoring progress. Having unrealistic deadlines that are not going to work will definitely affect your effectiveness and causes stress. Therefore, get rid of the backlog and set goals for yourself.

Do one thing at a time  

Multi-tasking is a myth. In reality, you are actually switching back and forth between tasks.  While switching, you tend to lose the depth of your engagement, absorption thus makes you less efficient.  Therefore, concentrate on doing and finishing one task at a time as far as possible.

Eliminate or Minimize Distractions

Distractions like phone calls, internet, emails, etc., may lead to compromise of performance and incompletion of tasks promptly. Therefore, make the necessary arrangements to keep these distractions to a minimum. Also, you should be an expert in avoiding distractions and maintaining focus on your task.

Give yourself a break

Never forget to include time to relax in your schedule. Use your free time to do things you really enjoy! Spend time with your family, do exercise, go shopping or hang out with friends. And definitely you will start enjoying life!!

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Modern Lifestyle; Thy name is Stress!

In today’s world, one cannot perform traditional work at a modern pace. Traditional work has traditional rhythm for which you need to be calm. You may be busy, but you must remain calm which sometimes might not be possible in present environment. It is often assumed that having more money eases the path through life, but sometimes it also brings added complications. Proper Plan is always required to make more money in order to lead a modern lifestyle. You may wish to acquire clothes or things that are more expensive simply to show off, trying to create a big impression. Conversely, the style depends on, what you do with these things. Thus, Fashion is what you buy, while style is what you do with it.

The modern lifestyle with its many fascinations, distractions and temptations can offer us several things, but the meekest of all goals – your inner peace – seems the one illusive thing beyond your reach. In fact, Modern lifestyle can destroy your peace. If not destruction it can disturb your peace. So do not ever let your lavish lifestyle steal your peace.

The economic anarchy of capitalist society and its impact on Indian mind and ethos are one of the key factors that lead to stress. When you sturdily desire to have something which is difficult to acquire, then obviously you’re under stress. Modern lifestyle requires position which in turn requires money, your extra effort or corruption or anything that is unworthy.  Apart from the pressure of modern life, your stress level will also differ based on your personality, attitude, habits and risk factors. Expecting things to be easy that are normally not so – can further lead to stress which in turn requires you to change your habits and attitude which is difficult, but not impossible.

Since the consequences of traumatic and chronic stress are serious, it is vital to find out ways to mitigate stress. These kinds of stress cannot be completely removed but can definitely be kept under control. The first step in managing stress is identifying the cause. Then it is necessary to contemplate on your values. Your values tend to give you a direction, to deviate your mind from unnecessary material acquisitions and positions.

Meditation is undoubtedly one of the best stress management techniques known, since ancient times. Sit in a relaxed cross-legged fashion, try to control your mind and affirm that your life is in significance. And that implication will not allow you to feel jealous and envious of people and their positions. Avoid developing grudge on people who are leading an affluent life with a luxury car, bigger house, etc. It doesn’t mean that you should kill all your desires. Rather, have a clear goal, strive hard to achieve it, concentrate and then contemplate it.

The only person you should try to compete with – is the person you were yesterday. Give up comparing yourself with others. Don’t change to be better than those around you. Instead, change yourself into a better person. Review everyday whether you are reaching towards your goal or not.  Achieving specific goals requires focus, approach and continues efforts. Perseverance is another vital aspect of life for which you require strong willpower and courage.  Take risks as this may lead to change in your attitude and make you stronger, courageous thereby mitigating your stress to a large extent.

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Stress; Answer 20 Questions

I list below some questions which you need to ask yourself. Considering their importance in your success story, contemplate seriously and answer as honestly as you can. Please give marks from 1 to 4 in each question. In the end you have to add up your score. The scale of evaluation is given at the end.

Analysis:

After completing the assessment, you need to add up your score and compare your performance with the analysis given below. We all know the significance of human life is continuous improvement in all areas. Pursuit of excellence should be your habit.

You will find adequate suggestions and techniques for improvement in your weak areas during the program, its activities and the course material. Make the best use of the opportunities.

These questions are about the negative qualities. So if you rarely do it give your-self one mark. But if you do it very often it would be 4. Therefore lesser the points the better.

Scores:

47 & below Great! Just remember pursuit of excellence is unending.

48 to 63 identify the areas to be improved and work on these.

64 to 80. Please work seriously to remove the deficiencies.

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Four Simple Steps to Develop Good Habit

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If habits are stepping stones, their choice should be the outcome of reality’s and targets’ cognitive approach. Acharya Rajneesh once proclaimed that “I am less interested in your chain-smoking but more interested in your habit. Any habit that becomes a force, a dominating force over you, is a great sin. One should therefore live more in freedom. One should be able to do things according to the situations but not according to the habits”.

  1. Control Your Thoughts

If you don’t learn to control your thoughts or opinions, you will never learn to control your behavior and if you don’t learn to control your behaviour, you will never be able to build good habits. Habit creates the appearance of justice and progress has no bigger enemy than habit.

  1. Change your thoughts & Actions

If you want to replace the bad habits with the good one, you have to change your actions, thoughts, habits and start doing small things differently every day. Habit change happens when you start with small things. Moreover, if you want to build courage, then simply act courageously. If you do something over and over again, you build a habit. Some people develop the habit of courage whereas some people develop the habit of non-courage.

  1. Don’t Play a Victim

People who consider themselves as a victim will rarely produce positive result. Instead you must utilise the given opportunities and turn out the difficulties into a driving force to make yourself and the world better. Mind control is the result of self-discipline and habit. You either control your mind or the mind controls you. There is no half way compromise.

  1. Be Practical

And at last, you realize that you can’t force loyalty, consistency, or even honesty.  You can’t force them to keep their word, or to communicate, or to realize something special is right in front of them. You can’t make someone to put up a fight for your heart or change his/her own ways. Take a step back and reflect if your relationship has turned into battlefield of harsh words, mixed emotions, and constant bickering, you must ask yourself whether it’s worth anymore.

It is estimated that up to 90% of our daily activities are habits. If you want to improve your time management, then you need to improve your habits.  Never ever allow ‘waiting’ to become your habit. Be fearless, live your dreams and take risks. Life is happening now and if you wait you tend to lose time. You are not required to set yourself on fire to keep other people warm. Remember your first duty is to ‘Yourself’ but it doesn’t mean that you have to be selfish. But it is necessary to be strong, capable and competent so that you can help others too.

The act of discovering who we are, will force us to accept that we can move further than we think. Success is nothing but a few simple disciplines, practiced every day, while failure is simply a few errors in judgment, repeated everyday.

Always be yourself, respect yourself and have faith in yourself. Ensure to make plans and organize your discipline, thoughts, and devote attention to detail for creating something worthwhile but not for criticizing your own self. Karma comes after everyone eventually. You can’t get away with screwing people throughout your whole life. Don’t care about others identity, or what all the problems he/she undergoes around. Sooner or later the universe will serve you the revenge that you deserve.

Motivation is what gets you started, and habit is what keeps you going. It’s quite important to keep moving. There is a powerful driving force inside every human being that once unleashed can make any dream, vision or desire a reality.

Winning is habit. Unfortunately, so is losing. Either way it is all about your choice. So choose the right habits that enrich your lifestyle!!

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Five Ways to Break 10 Bad Habits

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Bad Habits

Nearly everyone has a bad habit that they should break. Some people have less than others and some people’s bad habits are more grating than those of others.  Bad habits like excessive drinking, smoking, biting the fingernails, etc., starts slowly and gradually. They jeopardize your health — both physically and mentally thereby wasting your time and energy.

Bad habits are hard to give up, they are like a comfortable bed, easy to get into, but hard to get out off.  However, you can achieve anything with the right amount of willpower and a realistic plan of action. With persistence and right mind-sets, it’s possible to break your bad habits.

Here are some ideas for breaking your bad habits

  1. Change one thing at a time

It is most important that you don’t try to break all your bad habits, at once. You’re not a superhuman and trying to quit all your bad habits at the same time is probably going to be hard to achieve. Instead, prioritize and choose the habit that you need to change most urgently and then focus on that accordingly.

  1. Prepare for weak moments

A positive mindset is significant but if you’re not prepared for those weak moments this can be a biggest mistake. Try to remove temptations as that can help you prepare for those weak moments. For instance, clear the cupboards of junk food, keep some distance from friends who encourage you to smoke/ drink and avoid stressful situations.

  1. Set regular reminders

Bad habits are often so deeply ingrained in us that sometimes they can catch us unexpectedly. To help prevent those accidental slip-ups, try setting yourself regular reminders to resist those bag habits.

  1. Reward your success

The key to breaking bad habits is to make the process as rewarding and enjoyable, as possible. If you are facing difficulty focusing on the long-term benefits of breaking bad habits, then arrange small rewards for yourself as you go along to help keep you motivated.

  1. Remind yourself why you’re breaking those habits

In order to successfully break a bad habit, you have to be sure of your reason for breaking those habits. Find a solid reason for breaking your habit that really means something to you – such as improving your health, relationship or appearance – and keep your goal in sight. This will help you to carry on and stay strong in moments of weakness.

10 habits you must quit to be happy

When you quit doing the bad things, you make more room for the things that make you happy. Aristotle, a great philosopher once said, “we are what we repeatedly do. Excellence is not an act, but a habit”. However, here are 10 habits that you need to give up in exchange for your happiness.

  • Quit procrastinating on your goals
  • Quit talking down to yourself
  • Quit blaming others and making excuses
  • Quit trying to control the uncontrollable
  • Quit criticizing others
  • Quit trying to avoid change
  • Quit running from your problems and fears
  • Quit trying to be someone you’re not
  • Quit living in another time and place
  • Quit being ungrateful

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