How to choose the best female and male digital watch

Anna Jonson

Not only luxury classic watches like Panerai Submersible or Rolex Daytona, personality and style should be considered in choosing the best digital watch, be it female or male. Although the basic function of every digital watch is to display the hours, today the item is much more than that. After all, from solar clocks to wall clocks and wrist watches, the evolution of models has accompanied the style and changes in consumer behavior, offering models that match their needs and occasions. And so do digital clocks. With several other functions such as a stopwatch and GPS, they can also become true accessories that make a difference in production.

Depending on the style of each, digital watches can also be used as jewelry, complementing the look. Already the luxury brand models also give a touch of social status and elegance. And with opposing interests in various subjects, when it comes to style, it could not be different: the requirements for choosing the best digital watch are different when it comes to men and women.

While women take into account the occasions on which they will wear the digital watch, according to their features – after all, a meeting and a run ask for different accessories – women usually focus more on the style and details of the piece, such as jewels, or as a bracelet.

How to choose the best digital watch for women

In addition to acting as an attractive piece, female digital watches are also very functional. The accessories help make a good impression both in the corporate environment or on special occasions. Some recommendations can help in the task of choosing the best digital watch for women:

  1. Focus on your own style.

It’s easy to get carried away by attention-grabbing accessories. But it is important that your personality is considered, otherwise the chances of getting distracted fast from the digital watch and not using it more increase considerably. Depending on your mood at the moment, several styles may emerge. The important thing is that the digital watch you choose communicates who you are.

  1. Choose a digital watch that matches your looks – and your physical type.

Before, watches were seen as just a way to monitor time. Today they are true accessories that enhance your productivity. Therefore, it is important that women’s digital watches are combined with the color of clothes that the woman usually uses, with the same concern used for bags and shoes, for example. To balance the look, bet on tones similar to other accessories. If your favorite earrings, bracelets and rings are gold, for example, opt for a digital watch of the same hue. The same goes for the physical characteristics: very thin women can be disproportionate with very large watch models. Therefore, the size of the watch’s display and the width of the bracelet should take into account the woman’s bio-type. Comfort and well-being are essential when choosing the best digital watch.

  1. Choose your female digital watch according to the occasions on which you will use it.

If the idea is a digital clock for moments of leisure and relaxation, the options are limitless: there are rubber wristbands and waterproof. After all, every moment asks for a different material so that the watch fits perfectly with the occasion.

For day-to-day, invest in digital watches with less sophisticated models, made with leather, metal or fabric straps – so the accessory becomes sturdier for frequent use. Hopefully the information above can help you to find a watch that is able to meet your expectations.

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What if all US health care costs were transparent?

Jeanne Pinder

This is a woman after my own heart.

I wrote a post a while back asking how your life would change if you utilized the words “What If…?” In a positive manner?

The answers to our conundrums are often in the questions we ask, so Jeanne Pinder asked “What if all US Health Care Costs were transparent?

At first, doctors, billing offices and insurance companies balked at their audacity to ask such questions, and Jeanne mentions how she felt like she was breaking the law with wanting to know the prices of procedures and medicines. Some people hung up on her, others told her that their lawyers wouldn’t let them reveal their true pricing.

But Pinder’s company persevered. And the experience became liberating.

She found answers and data.

WOW!

This is where she went with her answer. It’s a must-see video. Click on the photo to watch.

 

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Will Medicare Cover Me Outside the USA?

Danielle Kunkle

Retirement brings a lot of exciting, new changes. One thing many people look forward to in retirement is being able to travel when they want, where they want. Whether you’re taking a quick trip, going for an extended stay, or even relocating for a little while, it’s important to know how—and if—Medicare will cover you.

Medicare coverage outside of the 50 states (plus American Samoa, Guam, Northern Mariana Islands, Puerto Rico, and the U.S. Virgin Islands) depend on things like the type of coverage, how long you’ve been outside of the country, and whether it’s an emergency or not.

This article explains when and how Original Medicare, Medicare Advantage, and Medigap covers you while traveling outside the USA.

Original Medicare Travel Coverage

Generally, Original Medicare (Part A and Part B) only covers emergency situations out of the country. Also, Original Medicare only offers emergency coverage in certain situations. For instance, if you are vacationing in Europe and an emergency occurs, Original Medicare will not cover it.

Situations where Original Medicare will cover your emergency medical expenses include:

  1. If a medical emergency occurs while you’re in the United States, and a foreign hospital that can properly treat you is closer than a U.S. one, Original Medicare will cover you.
  2. If you are traveling to/from Alaska from/to another state directly through Canada and an emergency occurs, Original Medicare will cover your medical expenses at a Canadian hospital if it’s closer than a U.S. one.
  3. If you live in the United States and a foreign hospital is closer than any U.S. hospital. Your medical expenses will be covered by Original Medicare even if it’s not an emergency.

Covered Services Outside the USA

If one of the above situations occurs, Original Medicare pays the same as it would inside the United States. However, not all services are covered outside the country.

For example, Medicare Part B will only cover doctor services you receive outside the hospital after you’ve been released if Medicare covers your inpatient hospital stay. If Medicare doesn’t cover your hospital stay, then your doctor services won’t be covered either.

Medicare Part B may also cover any non-emergency medical services that you receive before and while you’re admitted to the foreign hospital. However, these services are only covered if Medicare covers your inpatient hospital stay.

Note that foreign hospitals are not required to submit claims to Medicare. Therefore, you may end up having to pay for your services yourself at the time you receive them. Once you return to the U.S., you can submit your claim to Medicare and file for reimbursement.

Traveling with a Medicare Plan

There are two types of Medicare plans that you can have in addition to or instead of Original Medicare: Medicare Supplement Plans (Medigap) and Medicare Advantage.

Medicare Advantage, also known as Medicare Part C, has thousands of plan options. These are private plans approved by Medicare; each plan is designed by the carrier and may have different benefits than others. However, most Medicare Advantage plans include emergency travel coverage.

Medicare Advantage plans must offer the same benefits as Original Medicare—you don’t lose any coverage—but many offer additional benefits for their members. To see how a Medicare Advantage plan covers health care outside of the U.S., review its Summary of Benefits.

Medigap Travel Coverage

A great thing about Medigap plans is that they cover you anywhere within the U.S. as long as you see a doctor who accepts Medicare. However, they work a bit differently outside the country.

If you have one of the Medigap plans that offer foreign travel emergency coverage such as Plan F or Plan G, then your Medigap plan will cover up to 80% of your emergency medical expenses. Medigap plans with this coverage have a $50,000-lifetime benefit limit as well as an annual $250 deductible.

Another restriction on this benefit is that it only is in effect during your first two months outside of the country. So, if you’re traveling for longer than two months, you will want to look into purchasing travel insurance in addition to your Medigap plan.

Short-term travel insurance is a great alternative to Medicare’s travel coverage. If you’re worried about health coverage overseas with Original Medicare, you may want to purchase a travel insurance plan to cover you on your trip.

 

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How a Mobile Tracking App Can Enhance Freelancing

Martin William

Today, organizations are officially hiring professionals from all over the world through the internet. Depending on the kind of company you run, you will want to ensure that the company’s information is safeguarded. Using a mobile tracking app like highster mobile, you can be able to keep a close eye to your employees wherever they are. That is because the app gives you access to all the activities of the target phone like information shared through private messaging. It is good to know that there are so many mobile tracking apps online but to get the right one you must:

Have a reasonable budget

Typically, anyone would like to go for the cheapest tracker in the market provided that it can work correctly. However, you need to know that most of the mobile app trackers sold for cheap on the internet may not be sophisticated enough to help you run an organization. That is because they usually have restrictions as most of them are new apps in the market that are still undergoing improvements. With a reasonable budget, on the other hand, you are most likely to land yourself the perfect software. It is better to spend your money on something that will serve you for longer rather than go for cheap then end up wanting a new tracker in the future.

Do your research

One good thing with the internet is that it has all the information you need to choose the correct tracking app or your organization. Remember that these apps come with different features; hence some apps offer a better deal at a fair price. The only way to get such fabulous offers is if you take time to research. You’ll also want to ensure that you confirm that the application you intend to use is capable of handling on all your remote employees. That is because some apps can only support up to a certain number of employees.

Watch out for frauds

While looking for the app of your choice, you need to know that not all the websites that you shall be visiting belong to good app developing companies. That is why it’s highly recommended that you do a background check up on the company you wish to work with. Social media can be a good source of information especially if you can track down the pages and see what comments people have. You can also search for reviews on various discussion forums.

Conclusion

Vital organization information is shared today through the internet especially by organizations that hire freelancers. There is a dire need for such information to be protected and that is why mobile tracking apps are today’s favorite. Additionally, you should know that these apps can also be used with companies that have their employees working in the offices as well. When it comes to secrets of the organization, you might not want to take chances considering that some competitors out there are not willing to play fair.

 

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A Retirement Plan and Medicare Disability: What You Should Know

Jane Brown

Retirement is something quite easy to forget and brush off, especially when you are young and still enjoying a good salary. You don’t want to imagine that a day will come when you will be of age and leave your beloved career. Well, it’s a sad reality, and the earlier you start planning for your retirement, the better for you. Let’s have a look at some benefits you might reap from planning your retirement as early as now.

Factor in the unexpected

Aging comes with a bunch of problems, especially health issues. When planning for retirement, you can consider such unforeseen events. You think about the best medical options to use should you develop a chronic disease. Along with this, you start sourcing for a suitable home for the elderly when the time will come for you to be admitted in one.

One such eventuality that would never cross your mind is a disability. Sometimes life gets into the way of our most carefully organized plans. An unfortunate accident or a severe illness can quickly shatter your retirement dreams. There are so many questions you could ask when disability comes knocking at your door just before your retirement. For instance, will the disability affect your social security benefits? Will it eat up all your life savings? Does Medicare cover disabilities that occur during retirement? As long as you are already receiving your Social Security Disability benefits, you are eligible for the Medicare disability coverage.

Some of the disabilities that qualify for Medicare coverage include:

  • Amyotrophic Lateral Sclerosis
  • End Stage Renal Disease (ESRD)
  • Parkinson’s Disease
  • Multiple Sclerosis
  • Mental illness
  • Alzheimer’s Disease

Mostly, anyone who qualifies for the cover should receive it. But this is not always the case. People with certain conditions as those mentioned above are at risk of being denied the coverage. If the care recommended by a doctor for these long term conditions meet the Medicare criteria, then the person is entitled to coverage.

If coverage is unfairly denied, you can seek help from your medical doctor. Better yet, you can find legal assistance from an experienced disability lawyer. The lawyer will help you sail through the stormy process of claiming the coverage. There are plenty of law firms practicing Social Security disability law today. You want to make the best choice of such a lawyer to ensure adequate and successful representation. So, what qualities should you look out for in a disability lawyer?

  • Experience – When it comes to matters of Social Security disability benefits, you need to be represented by someone with a wealth of experience below their belt.
  • Specialization – Avoid dabblers and instead look for someone who handles explicitly Social Security disability claims the majority of their time if not all.
  • Local or regional presence – It is essential to be represented by a lawyer who understands the Social Security laws, local courts and judges.

More time, more savings

The common thing about all kinds of investment is that time is needed for them to grow. By planning early, you will save up enough money to actualize your aspirations during your retirement. If you want to own and run a farm during your retirement, start saving now. Is it a dream adventure you want to have? Yes, it can be made possible by early planning.

Peace of mind

This is one of the most significant benefits of planning early for retirement. Planning eases the transitions from employment to retirement. Stress can arise when there is a cloud of uncertainty about your next stage in life glaring at you. You can avoid this by planning ahead.

You can make sound decisions

Early planning gives you ample time to decide on the retirement plan that will suit you best. It not only enables you to make wise career-related decisions but also general financial choices. For instance, will an extra degree be of any help during your retirement? Is it better to start your own company or remain in your current organization? Planning for retirement early in your career will enable you to put into place necessary structures to make your retirement as smooth as possible.

 

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Choosing to Move Forward – What Is Your Style?

When we realize that we have a choice in the style of moving forward, it makes all the difference in our world.

I was raised in the “pain and suffering” style and decided to choose something kinder for myself. What an opening of perspective!

How about you?

 

 

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Why You Want to Do the HeartMath Breathing Method

Have you heard of HeartMath.org?

HeartMath scientifically researches the chemical and electromagnetic link between our hearts and our brains.

In their extensive analysis, the scientists who work at the the Institute have found that the heart sends more information TO the brain than it receives FROM the brain. 

The research can be complicated, but simplified, when we are in a “coherent state” with our hearts, it is easier for our brain to function at optimal performance.

That means when you learn how to self-regulate your emotions with their very easy coherence exercise, you are less inclined to feel anxiety, fear, and anger. Your brain is much calmer and clearer to facilitate making decisions, to remember, or to take a test. This is a great technique to practice before attending an event that is stressful or before you want to have “that talk” with someone and it has you nervous.

Teaching our children this simple technique can also help them with athletic performance and to remain calm when needing to take an exam.

Here is a link to many of the HeartMath videos if you’d like to find out more intriguing information. HeartMath.org also offers courses, training and memberships.

 

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“Too frail to work, too poor to retire”

Ted Siedle, a former SEC lawyer who now runs Benchmark Financial Services, pointed to a “woefully unprepared” U.S. population.

“In the decades to come, we will witness millions of elderly American’s, Baby Boomers and others, slipping into poverty.”

This is because pensions are underfunded, a pervasive problem made worse by their inability to reach performance targets, which is typically set around 7%.

I read about this topic too often and it’s disturbing. The possibility of pension funds not being able to keep their promises to pay former employees would rattle anyone’s retirement. And if this affects the performance of the financial markets in general, then we are all vulnerable.

When planning for your life-sans-paycheck, your pension is one of the stools you rely on. Social Security and investments are two others.

None of us know the future, and we cannot prevent Life from bringing us challenges or change.

What can you do if your pension fund goes under, or severely cuts their payouts to you?

My purpose for bringing this up to you today, is to show you how you can take control of your future, regardless of your pension or what the markets might do sometime in the future.

In our books and on our website we discuss the 4 categories of highest spending in any household. I have been discussing the most expensive category – and that is Housing.

The 2nd most expensive category is Transportation, followed by Taxes and Food/Dining/Entertainment.

We have control over all of these categories through the choices we make. We can modify our choices to protect ourselves from future financial disturbances, and to give ourselves more financial room, should we find ourselves in a situation that becomes too expensive to maintain.

Do you know your Cost Per Day for your Housing category?

Paring down to a smaller home, moving to a state that is tax-friendly, moving overseas where cost of living is more manageable, renting out a room, a section of your home or a casita can bring in extra cash should you find yourself needing to supplement a pension that has gone sour.

Considering a roommate, or perhaps joining financial forces with your children to have an “in-law’s unit” built as part of their home so you have a place to live that is close to your family are also alternatives.

Living on a boat, utilizing an RV as your domicile, or choosing your Active Adult Community manufactured home as your chief domicile are also more affordable options than a 4-bedroom, brick-and-mortar home with the maintenance costs, insurance and high property taxes.

We’ll talk about the other categories of expense in the future, but the most important thing is to have your plan B – and to start thinking about that NOW, instead of having a disintegrating pension blow you out of the water.

Don’t limit yourself.  OPEN yourself up to your options. There are more of them than you think.

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What’s YOUR Favorite Excuse?

‘’I never knew a man who was good at making excuses who was good at anything else.’’ Benjamin Franklin

To attain goals, to move forward with our lives, to make necessary changes, we must drop our excuses.

Here are a couple of common excuses that keep us from attaining our dreams.

I’m too old…
I have more planning to do to get this done.
I don’t have the “right” tools to…
I don’t know how, I’m too busy, no one else has done it before…

Recognize any of these?

What’s YOUR favorite excuse?

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We had a spectacular housing situation, but my eyes refused to see it

When we retired in 1991 for a lifestyle of travel, our first stop was a 9-square mile Caribbean island named Nevis. Billy and I had an opportunity to help open the Four Seasons Resort there on that tiny island nation, and part of the deal was that we would have housing.

We found ourselves in a 4 bedroom, 2 bath house that belonged to the Mayor’s brother. Painted white on the outside, the front terrace was a blistering orange. When I walked up the steps and turned around, I had a view of 3 islands.

Our front porch overlooking the Atlantic Ocean

Sounds fabulous, right?

Except we weren’t renting the house romantically by ourselves, we shared it with other employees of the Four Seasons. Although we were only 38, most of the other employees were in their 20’s and seemed like spoiled kids to us.

The importance of housing

Ours was the smallest bedroom in the house but we had the privacy of our own bathroom, which was a plus. There were donkeys tied up right outside our bedroom window and they brayed at sunrise each morning to wake us up. And because the back door of the house opened to the sugar cane fields of Nevis’ jungle, we had cane spiders coming in to say hello from time to time.

These rust-colored, hairy spiders were the size of my fist and they had the unique talent of being able to jump a couple of feet of distance at a time!

This hadn’t been what I expected.

From our shaded back porch, Nevis volcano

But I was learning an important lesson which we would modify to perfection with the more practice we had and that is – Manage your housing costs and you can live just about anywhere in the world.

Buck up and quit complaining

The cost of housing is one of the biggest expenses in any household. While this particular setup might not have been my first choice, our portion of the rent was affordable and we had spectacular views of the Atlantic Ocean from the front porch and of Nevis’ volcano from the back. We had color TV, ceiling fans, all kitchen appliances, maid service and hot water in the showers.

A short walk to the end of the street brought us to cheap public transport and we could go anywhere on the island for less than a dollar.

Why was I complaining?

Looking back, we had a spectacular setup. I was simply shell-shocked from the massive changes to my personal life that I had gone through and I had yet to train my eyes to see the advantages of my surroundings.

GOR-jus tropical Nevis blue skies

Have you ever found yourself in a similar situation where your “eyes don’t see” the stunning opportunity you have in front of you?

Do you find yourself complaining instead of jumping into the adventure?

What kind of unique housing have you enjoyed?

Write to me about your experiences or make comments to TheGuide@RetireEarlyLifestyle.com

 

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