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Medical Bills - Another Perspective by sandalwood

I am an open heart surgery survivor. That by itself makes me a lucky man. However couple that with the fact the entire procedure from beginning to hospital discharge cost me only $125.00 and you can reasonably call me lucky again.

You see, I have a great insurance program. But, what I have doesn’t make any difference to millions of Americans who either don’t have insurance or are underinsured. These are the people who receive those huge medical bills that make headline news at least once a quarter.

It is common knowledge hospitals are extremely aggressive in attempting to collect what they say they are owed. It is also common knowledge hospitals charge the un/under insured full price for every procedure, medication and service.

Should anyone care to read hospitals saying what you just read, I reference the document titled, HHS Guidance on Hospital Discounting for Uninsured Patients. Simply google the title and you’ll be taken to its page.

This article will present a theory based on research and a common sense reading of applicable federal statute. I will use me as the example because I saved every piece of paper I signed/was given during my stint into the medical world.

As you may imagine, I had doctor visits, a hospital stay and follow up visits and treatment. All documented on paper and by my co-pay checks. What I found interesting in this whole trek was the total lack of information I was given about costs.

The medical information detailing the procedure, the medications, the rehabilitation efforts, etc. was outstanding. I knew from the outset it wasn’t going to be a picnic or a walk in the park.

What I didn’t know was the cost. I will readily admit up front I didn’t care about the cost because I knew by discount agreement – the term the hospital and doctors use to get paid by both me and the insurance company – my cost was to be only a small co-pay.

If you reread my co-pay total, small could be called an exaggeration for a six day stay in the hospital that included open heart surgery. But, again, I knew what my discount agreement allowed and liked the number so I didn’t bother to quibble or argue.

Anyone not this lucky should not only quibble and argue but demand better pricing. I think I know the federal law that gives you the right to step over quibbling and arguing and proceed directly to demanding.

The title of the Act is the Consumer Credit Protection Act but is better known as the Truth in Lending Act. Most people believe it applies only to credit cards and real estate. Not true.

The next two paragraphs are redacted sections 103 and 104 copied directly from the statute. If you want to read the statute in its entirety, google Truth in Lending Act.


ง 103. Definitions and rules of construction

(c) The term "organization" means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
(d) The term "person" means a natural person or an organization.
(e) The term "credit" means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
(f) The term "creditor" refers only to a person who both (1) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and (2) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement.
(h) The adjective "consumer", used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
(i) The term "open end credit plan" means a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan which is an open end credit plan within the meaning of the preceding sentence is an open end credit plan even if credit information is verified from time to time.
(j) The term "adequate notice", as used in section 133, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
(p) The term "discount" as used in section 167 means a reduction made from the regular price. The term "discount' as used in section 167 shall not mean a surcharge.
(q) The term "surcharge" as used in section 103 and section 167 means any means of increasing the regular price to a cardholder which is not imposed upon customers paying by cash, check, or similar means.
(u) The term "material disclosures" means the disclosure, as required by this title, of the annual percentage rate, the method of determining the finance charge and the balance upon which a finance charge will be imposed, the amount of the finance charge, the amount to be financed, the total of payments, the number and amount of payments, the due dates or periods of payments scheduled to repay the indebtedness, and the disclosures required by section 129(a).
(x) As used in this section and section 167, the term "regular price" means the tag or posted price charged for the property or service if a single price is tagged or posted, or the price charged for the property or service when payment is made by use of an open-end credit plan or a credit card if either (1) no price is tagged or posted, or (2) two prices are tagged or posted, one of which is charged when payment is made by use of an open-end credit plan or a credit card and the other when payment is made by use of cash, check, or similar means. For purposes of this definition, payment by check, draft, or other negotiable instrument which may result in the debiting of an open-end credit plan or a credit cardholder's open-end account shall not be considered payment made by use of the plan or the account.

ง 104. Exempted transactions

This title does not apply to the following:
(1) Credit transactions involving extensions of credit primarily for business, commercial, or agricultural purposes, or to government or governmental agencies or instrumentalities, or to organizations.
(2) Transactions in securities or commodities accounts by a broker-dealer registered with the Securities and Exchange Commission.
(3) Credit transactions, other than those in which a security interest is or will be acquired in real property, or in personal property used or expected to be used as the principal dwelling of the consumer, in which the total amount financed exceeds $25,000.
(4) Transactions under public utility tariffs, if the Board determines that a State regulatory body regulates the charges for the public utility services involved, the charges for delayed payment, and any discount allowed for early payment.
(5) Transactions for which the Board, by rule, determines that coverage under this title is not necessary to carry out the purposes of this title.
(6) [Repealed]
(7) Loans made, insured, or guaranteed pursuant to a program authorized by title IV of the Higher Education Act of 1965 (20 U.S.C. 1070 et seq.).

Let me call your attention to section 104. I believe 104 is very specific as those who write our laws are very careful when they say to whom a law applies and to whom a law does not apply. Hospitals and medical personnel are NOT exempt from TILA coverage or they would be listed in the above exemptions (also see below).

Yes, it is that simple or we would have laws that don’t mean what they say. Hence, no real law at all.

Now go to section 103 and read ALL the definitions. The definition of credit is: “The term "credit" means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.”

Using the paperwork given to me to prove I was granted credit, I look at a document titled: Federal Truth In Lending Initial Disclosures. The hospital admits they are lawfully bound by TILA. Therefore, I was granted credit and/or an open end credit plan (ง 103(i) above). At the same time, they know/admit they are bound by this law by giving me this document.

If this is true, they violated ง 103 (u) and (x). No where on any of the documents does it state the amount to be financed. There are only references about the amount to be financed and/or outstanding balance owed. Look at your documents. Do you see any amounts listed? (I assume you have hospital/doctor documents.)

In a second document in my package of documents is one titled Conditions of Testing/Treatment/Admission, paragraph 7A states, “I promise to pay the hospital for all goods and services furnished by or through the hospital and only AFTER DISCHARGE (my emphasis) will a bill be prepared and mailed to me showing charges due and payable at time of service. “ (As a side note, I put the word “valid” between the words “all” and “goods” just in case I actually had to dispute some of the charges. The hospital didn’t blink an eye and accepted the addition.)

Notice any discrepancy between this wording and the wording in ง 103(u)? It is only after the surgery that they tell me how much I owe. I’ve been told by legal eagles this admittance paperwork is the first part in a two part legal process. This part is called the offer.

In other words, the hospital is only offering their services under those stated conditions.
Mind you, they haven’t performed a single act, yet. Now, when I sign the documents, I’ve committed a legal act called acceptance. This 2 part process is called offer and acceptance.

By the way, you don’t have to accept them as they appear on the offer. You can make changes like I did on the offer form showing the conditions you will accept. If you sign it and they take it back and don’t change the changes, these become the new conditions of the contract. (Note: I also struck out an entire paragraph and the clerk only shrugged her shoulders. So, it can be done without consequence to you.)

It appears to me only one party, the hospital, in this process has complete and full knowledge of the cost of the procedure but makes only a partial disclosure to me the debtor. So, if I want their service(s), I am forced to accept partial disclosure even if I made changes.

I say partial because the document does not contain any pricing. Hence, according to the law, it is only partial in nature.

Look at ง 103 (j). It seems to say I must be given full disclosure in order to make an informed decision. How do you read it?

Full disclosure and notice have been part of American law since the inception of the republic. In fact, tomes exist in the law library on just this one arena. The volumes of material are a sure cure for insomnia or so I’m told.

By the way, nothing in this article is meant to replace competent and professional legal advice. Should you be one of those people being hounded by medical bill collectors or hospitals, it is a great idea to consult with an attorney specializing in this field.

I present the above information for your thought and consideration. It seems to me the hospitals and medical professionals know they are bound by the law yet openly flaunt it. Therefore, in my opinion, it seems writing them a letter and asking for all the information TILA says you should have received will help you resolve those bills sooner. Or, in the alternative, become a basis for your own legal action.

I also fully realize there must be an oversight organization or agency and it must have the teeth to enforce penalties against those engaging in law breaking. To me, the State Attorney General is the main oversight agency. It may be different in your jurisdiction so please do your own research.

I could go on for twenty five more pages but I think you get the gist of my presentation. A law does exist to protect un/under insured people but it isn’t being used for that purpose.

Maybe it is time TILA is brought to center stage and exposed to the sun. Who knows, this exposure may just cure some of the ills (pun intended) inherent in medical billing and collections and save some people’s homes, assets and bank accounts.

Tom Koziol is the Executive Director of a non-profit devoted to making life easier for senior citizens, senior caregivers and baby boomers. Free and low cost resources are available at: http://www.senior2senior.org.

Article Source: Medical Bills - Another Perspective

When Your Emotions Become Like Ticking Bombs by Rino Soriano

So, where does disease come from? How does it get manifested in your body in the first place? Do environment and diet really play key roles in causing disease? Well, the information contained in this article will shock you to say the least. For years now health officials have told the public about how diet and environment specifically contribute to most illnesses.

Doctors have been preaching to their patients how important it is to eat a healthy balanced diet and to exercise on a regular basis. It is also advised to limit our fat intake because it is unhealthy. Many people believe that by taking vitamin and mineral supplements they will ensure themselves that any deficiency they have will be taken care of.

If all the information that has been preached to us about disease and health is true, then how is it that a person such as myself could become chronically sick? Before I became chronically sick, I worked out four to five days a week and ate very well. I ate a varied and healthy diet and also limited my intake of saturated fats. So, how did I become chronically sick after following such an active and healthy lifestyle?

Well, although dis-ease is a physical manifestation, the root causes of most illnesses are not physical. The true root causes of almost every dis-ease lie deep within every person that is ill. In essence, we create every illness that we experience, be it on a subconscious level or an unconscious level. So, how is that possible?

How can we possibly cause ourselves these kinds of circumstances? Well, there are distinct emotional and mental patterns associated with every illness. The way you choose to use your mind and the way you respond to your outer world have more to do with disease than your diet and your environment.

We have heard in recent years how stress can kill you. Well, it is really not the stress in and of itself that will kill you, it is the way you choose to process the stress that could hurt you or make you very sick. The body in essence is a mirror of our inner thoughts, emotions and beliefs. Every single cell in your body has its own intelligence and is able to listen to what you are thinking and feel what you are expressing emotionally.

In reality, your cells and your body respond to every thought you think, every emotion you have and every word you speak. Repetitive modes of thinking and suppressing negative emotions such as anger, resentment, bitterness, and hatred can and will eventually manifest as dis-ease in the body. Literally, your suppressed emotions become like ticking bombs waiting for the perfect conditions to detonate and manifest as dis-ease.

There is a philosophy/science called metaphysics. Metaphysics deals with primarily how there are many factors in the universe in which can not be reasoned with the five senses of the human body. In the aspect of disease, metaphysics proposes that there are distinct emotional and mental factors that contribute to the manifestation to each correlating disease. The correlation between patterns of emotions and thought to a specific disease can be so profoundly true.

For example, let’s take a person with heart disease. Metaphysically speaking, the heart represents love and our blood represents joy. Our hearts pump this joy throughout our bodies. When someone lacks joy and love for their life, the heart shrinks and becomes cold and thus the blood becomes sluggish. At this point, one is subjecting themselves for heart conditions such as angina, arteriosclerosis, and deposits in the arteries. In fact, if you were to look at most people who have heart disease, you will find a lack of joy and love in their life.

Another metaphysical correlation of suppressed emotions and illness would be that of cancer. This disease is typically found in people who carry deep anger for either themselves or resentment for other people and circumstances that occurred in the past. These people were very hurt by the past event and usually carry hatred for a long period of time until it literally starts eating away at the body and manifests as cancer.

I hope by now that you can begin to see a deep correlation between a person’s emotional and mental state and the disease they carry. Whenever a person comes down with any disease, they need to look at themselves and see what they have been thinking or what emotions they have been suppressing.

Many times though, the triggering emotional and mental factors for a specific disease occurred many months to even years before the manifestation of the illness itself. It is key to discover the true root factors that triggered the manifestation of the illness. Even conditions such as the so-called common cold and the flu may have distinct emotional and mental factors contributing to them.

Any time you are sick in general, you need to listen to your body and hear what it is telling you. Instead of always looking for a magic blue pill or a magic supplement, one needs to be more conscious of their bodies. If you are chronically sick then you need to assume full responsibility for your own health. No doctor or drug can cure you of any illness. You have the cure within you to eliminate any disease. God equipped all of us with everything that we will ever need in this world.

How dis-ease really gets manifested in the body

Symptoms of illness result from only the following 3 factors: 1) Toxic Thoughts 2) Toxic Emotions 3) Toxic Chemicals produced in your body from your negative emotions.

Your toxic (negative) thoughts, which really determine your perception of life events, cause you to have negative emotions, which cause the cells of your body to create toxic chemicals and in turn cause your body to create toxic cells that lead to DIS-EASE.

Science is now proving that when you are in a state of distress and disharmony, your cells produce toxic chemicals that tend to deteriorate and degenerate the body.

Anytime you move into stress and disharmony you express negative emotions that literally create toxic chemicals in your cells. This causes your body to be in a state of degeneration and stagnation. Once you are in this state, you then become susceptible to attract viruses, harmful bacteria, parasites, candida (fungi), and also store toxic chemicals from food and pollution since you will not be detoxifying properly.

Also, when you are stressed out or carry any of the negative emotions such as anger, resentment, hatred, impatience, etc., you tense up. This tensing up causes many of your biological processes to be impaired. Nutrient transport, cell respiration, detoxification, elimination, digestion, assimilation, hormone production and brain function become severely disrupted leading to a gradual degeneration in your whole system.

Emotional stress has the biggest impact on your immune system above any other factor. If you are in a state of balance and harmony mentally, emotionally, and physically, then illness simply can not set in the body. Most people have not been taught how to deal with stress and live in a balanced fashion. The society of today promotes drama, stress and struggle. The secret then is that the suppressing and storing of emotions are the true root cause of most illnesses.

Diet and environment do help to contribute to disease, however, they are not the underlying cause for it. Just look at anyone who is calm and approaches life in a balanced fashion. These people rarely get sick and will almost never get chronically sick. Chronically sick people are ones that are typically very emotional and/or have had serious traumatic experiences in their past. They are also people who tend to hold onto emotions correlating to these past events.

The big secret that many health organizations don’t want you knowing is that the body has a divine blueprint for perfect health. Every single cell in your body has its own intelligence and is programmed for optimum functioning. Due to this divine blueprint, the body knows exactly how to heal itself no matter what illness, injury or imbalance that may be present.

The key is to know how to use this blueprint to restore your health or improve your current state of health to optimum functioning. Once you know how to tap into this cellular blueprint for perfect health, you can then heal yourself from any illness.

Divine Blueprint for Perfect Health

Let’s use an example of how this blueprint for perfect health works. Let’s say that you cut your finger. What most people are unaware of is that the second the cut happens, there are biological processes that start immediately to regenerate and heal the wound.

Due to the cellular programming in your body for perfect restoration, all the necessary processes and substances to heal the wound are automatically carried out perfectly. Accordingly, after about a week the cut is healed completely and you would never know that there ever was an injury.

Another example of the divine perfection of the body and how it is intelligent is when you break a bone. Here is another instance where the body starts immediately to repair and regenerate what is out of equilibrium with its divine blueprint. Again, after about 6 weeks the bone is healed completely and it is actually stronger at the point of the break than it was before.

So from these 2 examples, it is quite clear that the body knows exactly how to heal itself from anything that it is presented with. The question really isn’t can a person heal from a chronic illness, but rather does the person have the correct information to use to heal themselves?

True Healing

So, how does one begin to heal the emotional and mental traumas from one’s past? The secret to healing yourself on all levels of your being is to learn how to let go and forgive. Learning how to forgive yourself and all the people who you perceived as hurting you is the best remedy for any life issue whether it is a chronic disease or an unhealthy relationship with a family member or past lover.

Notice that I said perceived as someone who hurt you. The fact is, no one can ever hurt you in life. You can only allow yourself to be hurt. The mental and emotional grief that you have experienced in life was really due to the perceptions that you had about each life event. The key is to learn how to change your perception in life.

I have found through personal experience that forgiveness is absolutely the best remedy for any life issue. I know that as I began to forgive the people that I thought wronged me, my health and my life started to improve dramatically. The question I ask of any person that says they are chronically sick or has any type of health ailment is...Who is the problem?

Forgiveness can actually heal you of disease. I will say that forgiveness is the magic cure that many people in life are looking for. There are many people who carry hatred, resentment, anger and bitterness toward the people they think hurt them. These emotions set in the body and get stored over the years until they manifest as disease and other imbalances. Your emotions also get stored in your energy fields and form blockages. There are now scientific instruments that can read your energy fields (aura) and are able to tell where you have energy blockages. Based on where you have energy blocks in your aura, you will be more susceptible to acquire certain diseases.

In essence, if you could read people’s energy fields (aura), you could tell where they are blocked energetically and be able to predict what specific diseases they are more inclined to come down with.

Releasing old emotions will cause shifts in your energy fields and thus free up the energy blockages that you may have. That is why letting go of old STUFF can do wonders for your health.

I have heard of people having miraculous cures of their illness once they decided to forgive someone for the past. In fact, there are health promoting biochemical changes that happen in a person’s body when they are in a state of forgiveness.

So, how do you forgive you might be saying? Forgiveness is not some hard and complex process like many people believe. It does not take extended energy and time and requires no knowledge of how to do it. Here is the secret answer to forgiveness. Forgiveness starts with a thought. The thought of really wanting to forgive the person in question, letting the past event go and releasing the need to be right. The rest GOD will take of as long as you are sincere in wanting to forgive the person.

That is it!! Pretty simple huh? It does work! Just do it. The sooner you do, the sooner you will feel like a mountain has been lifted off of your shoulders. Not only do you free yourself but you also free the other person. Even if the other person never finds out that you have forgiven them, they will experience a release of some kind on some level.

One bit of advice I can give is that to be able to forgive someone else, you have to forgive yourself first. The same principle applies here where you simply just let go of the past, have the thought of forgiving yourself and release any anger or pain from the past event.

If you can really absorb the information that follows, you will be well on your way to healing yourself from whatever illness you have and/or creating optimum health.

The Formula For Complete Healing

1) Assume Full Responsibility for your illness. No one out there can ever heal you. It is your duty to heal all levels of your being to be completely well. By educating and empowering yourself with sound holistic health knowledge, you will be well on your way to healing.

2) Commitment; doing whatever it takes to heal yourself. I would have walked to the North Pole and back if I had to. Just be committed to do whatever you have to do to heal regardless of how much money and energy you have to expend.

3) Forgiveness- as explained earlier will be the best medicine for your recovery.

4) Implementing a diet and environment that will support your physical health. (You will learn how to do this throughout this book.)

5) Learning how to adjust your thoughts and emotions to support long term health.

Holistic modalities and true organic supplements can help you to heal on a physical level but only when you assume full responsibility for your health and become conscious of your full being. You are a multidimensional being with a complex psyche. You need to learn how to balance your multidimensionality.

The only way one can truly heal from any disease is through healing every level of their being. One needs to look at their mind-body-spirit complex and work to heal those areas that are out of balance. Without such balance, one can never truly heal!

AT THE SOURCE OF EVERY ILLNESS, LIES ITS CURE!!!

Rino Soriano is a holistic health coach, author and President of Health Evolution International. Rino empowers people so they become masters of their own health and well being. Rino believes that only when one is optimally healthy can they live life to the fullest and serve their purpose for being on this planet.Rino had chronic fatigue syndrome for over 4 years and through self empowerment healed himself. Through his quest to heal himself he has learned to simplify the aspect of health and create health strategies that get results.Rino's revolutionary approach to optimum health is helping many people to experience the level of well being they truly desire. Inspiring and motivating, Rino's message will leave you with a new perspective of your health and well being.Visit his website at http://www.HealthEvolutionInternational.com for a FREE Audio called Get Healthy. Get Energized. Get Going!FREE 20 Minute Health Consultation with the mention of this article.

Article Source: When Your Emotions Become Like Ticking Bombs

Are You Eligible for Medicaid? by Barry Waxler

When you reach the age of 65 or become disabled, you are eligible for Medicare, but when are you eligible for Medicaid? Medicaid eligibility, unlike Medicare’s, is not automatic.

Medicaid is a government funded health insurance program like Medicare. The difference is that Medicaid is intended for people with low incomes, financial hardships, and certain medical and mental disabilities. Medicare is a program like Social Security that is really the right of every citizen to enjoy because they helped pay for it during their working life. Medicaid is a social welfare program intended to give aid to the poor and less fortunate citizens.

The Medicaid program is not funded entirely by the Federal Government, nor is it administered exclusively by the Centers for Medicare and Medicaid Services (CMS). The individual State governments share in the administration and in the funding. In some cases, local communities are involved in the funding process. Each State was given the option to participate in the Medicaid program or to decline. At the present time every State has chosen to participate. Some States have given their own names to the program.

Since each State was given options, the eligibility requirements differ from State to State although they are all subject to certain general guidelines established by the CMS offices. It is still necessary to contact the State office in the State where you reside to get the exact details for eligibility. There is one common thread and that is inability to pay for normal health insurance.

Inability to pay can be because of low income or because of physical disability. The State guidelines will determine the income level for eligibility and these guidelines are fairly strict. Certain restrictions cover such things as making gifts of your home or residence in order to qualify as having no tangible assets. Although Medicaid fraud is not unheard of, it is not as common as many think because of the diligence of the States.

Medicare and Medicaid are not mutually exclusive, however. It is possible to be eligible for both. Medicare is intended for all citizens when they reach the age of 65 or become disabled regardless of income. It is known as dual eligibility when a person qualifies for both programs. Medicaid fills a definite social need, but no one should be unhappy that they do not meet the eligibility requirements for it.

Learn more about California medicare supplement insurance online at UFCAmerica.com.

Article Source: Are You Eligible for Medicaid?

Fitness Center by Anand Dongre

Fitness is a growing concern for one and all. And beyond doubt, all of us certainly know the importance of keeping fit, and a good fitness center helps us do just that. Out of the several ways to keep yourself fit, a well-equipped fitness center can be your best bet to keep up with the pace of today’s stressful life. That is why, most of us are more interested in joining a gym or fitness center to take care of our exercising regime. There are several reasons why a fitness center is suitable for most of us. First of all, a well-equipped fitness center offers the best exercising equipments that are precisely meant for keeping your body fit. Apart from that, there is always a possibility of looking back to the fitness trainer, which most of the centers have, to form the schedule and guidance on the best way to exercise. Other than this, the fitness centers offer several other facilities for healthy living which include state-of-the-art equipment, swimming pools, basketball courts and daycare centers. All this factors make a fitness center your best ally in maintaining the fitness levels and move toward a healthier future.

With the growing concern for exercise and fitness, there are a large number of fitness centers in the United States. These fitness centers vary greatly in size and the facilities they provide. This makes the process of selecting one even more difficult. While considering a fitness center you have to be aware of a lots of factors that can help you to make the proper choice. We present you with some important advice on choosing the best fitness center around you.

First of all, look for fitness center that has different exercise opportunities available at one place. Consider facilities such as swimming, aerobics, racquetball, and biking workouts. Apart from that also look for quality exercising equipments. Also compare the facilities and membership fee with other fitness centers around you. This will help you get a better picture of what you will get for your money.

Personal training is an important factor to consider in the selection process. If a personal trainer is available, also check if you are charged additional for it or are there introductory sessions included in your initial payment of the membership fee. Also check for future session charges.

If your fitness center offers discounts on upfront payments of the yearly membership fee, then it an option worth considering. Otherwise you can always look forward to monthly payment options. Some of the fitness centers also charge a processing fee on your membership renewal so just read between the lines so that you don’t have to pay extra for the same facilities.

Take a walk to inspect the fitness center yourself. Check for cleanliness as it is going to have a major impact on your sessions in the center. Inspecting the center gives you a first hand information and will make you a decision about the whole thing.

Looking for more information on Fitness Centers check out www.fitness-centers.net your guide to Fitness Centers.

Article Source: Fitness Center

A Funny But Inspiring Story About Fitness by Bobby Kelly

Anyone who has ever worked with me personally or in my group training knows I am about accountability. So one of the things I am having my clients do this month is to make a huge effort to make fitness a priority. To do this, I am asking all of them to put their workouts down as an appointment in their calendar.

Why would I ask them to do this?

Simple. I deal with powerful and busy people. And they are constantly being pulled in different 20 directions.

-Board meetings

-Carpool

-After school activities

-Family obligations

-Business trips, etc.

What often gets left off? Exercise.

If you schedule exercise into your week at the beginning of each month, you will see that you are less likely to miss your training.

Think I am nuts? Let me give you an example.

I have one client that changes the way she fills in her Blackberry calendar. Instead of "exercise" or "training", she writes "MENTAL HEALTH THERAPY".

In this woman's world if she does not get her workout in she feels sluggish, out of sorts, and is normally cranky (her words) if she misses a workout.

She tells the story of how someone was looking over her shoulder one day. The nosy mom said "Why don't we schedule a breakfast meeting for our book club?"

My client said, "Sure when would you like to meet?" As the busybody woman looked at my client's Blackberry calendar, she was shocked to see that this woman needed therapy 5 days a week. She must have thought she was truly out of her mind and clearly stayed away from scheduling the meeting anywhere around the appointment.

This worked wonders in two ways: 1) She was able to get her workout in and 2) Now she even had time to get cleaned up after her training. Nice!

I have had other clients use similar tactics when scheduling their workouts:

Cardiologist - This reminds him that he has heart issues and if he misses his appointment, he will spend his time in a waiting room instead of a weight room.

Blind Date - One of my clients was a young single woman who had just lost 70 lbs. She used this as a motivator to keep her from putting the weight back on so that she would never need to go on another blind date again.

Plastic Surgeon - This was another client's way of saying she always wanted to look vibrant. She was deathly afraid of needles and never wanted to go under the knife for surgery. A little vain, but it works for her!

Accountant - Some people consider me an accountant. I keep them accountable and it is easy to say I need to meet with my accountant and people would never think of making you miss an appointment with the tax man.

For now, get your calendar or planner and schedule in your workouts for this month. AND don't miss any of them. I promise you won't regret it at the end of the month.

For over 17 years Bobby Kelly has taken his passion for coaching to a level not reached by many in the fitness profession. Bobby has been interviewed and featured as an expert adviser on CNN, Fox News, ABC, NBC, and CBS as well as local affiliate stations in numerous markets. Bobby knows the success of hard work and determination. He'll get you where you want to be. Visit Bobby today at http://www.resultsonly.com or email support@resultsonly.com

Article Source: A Funny But Inspiring Story About Fitness

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