If you are a triathlete, you are well aware of the fact that triathlons can be hazardous, and that the risk of accidents or injury is always present. If you already have insurance or think you don’t need it, think again. As a triathlete, there are various insurance issues that you need to think about. Here are some types of insurance you need to consider as a triathlete.
Medical and accident insurance
Like it or not, participating in a triathlon means you’ll be partaking in some rather risky activities that could lead to accidents or injuries. It is crucial that you have medical insurance that covers your medical costs in the event that you need treatment. Medical insurance can take on many forms, and some companies even offer sports accident insurance that is tailored to those at risk of suffering from sports injuries. Be sure to read the terms of your insurance policy carefully to ensure that any situations in which you may be injured are not excluded. Some medical insurance policies exclude injuries sustained as a result of risky sports and activities, so be sure you are covered if you get injured during a triathlon. If you’ll be travelling overseas in order to participate in a triathlon, it is crucial to ensure that your medical insurance covers you overseas as well. If you’d like to be particularly thorough, you can also obtain coverage for injuries, permanent disability and death.
Your bicycle is going to be one of the most valuable things you have with you at the triathlon, so you might want to get it insured. Various property insurance plans can enable you to receive a payout should your bicycle be damaged or stolen. Some policies allow you to extend this coverage to include cycling accessories and other items. Even if you’re not concerned about losing your bicycle, it is important to remember that you will be cycling on the road in traffic and could potentially cause injury to another party. It is thus important to ensure that you have third party insurance as well. This can be particularly important if, for instance, you damage a car or its driver gets injured in an accident.
If you are travelling in order to participate in a triathlon, travel insurance can save you a lot of pain. So many things can go wrong when you travel, and travel insurance can compensate you if for instance you lose your luggage, any of your property gets damaged in transit or your flight is delayed. If your medical insurance doesn’t already cover you overseas, travel insurance can ensure you are covered in the event that you need medical treatment overseas or need to be transported elsewhere for treatment.
It is extremely important that all triathletes are aware of the various kinds of insurance coverage they need, and how this may differ from their day to day insurance needs. Some companies offer insurance tailored to the specific needs of triathletes, and consulting with an expert from such a company can be a good way to stay informed.
Romayne Warner is a full time self-employed blogging fanatic. Obsessed with finding small ways to save money every day, she enjoys sharing her frugal lifestyle tips and tricks with the world, she regularly writes about healthy living and health cover related topics.
Twirty: age denial. the tail end of being twenty, almost thirty.
I still can’t believe I’m already at the tail-end of being 20.
The lessons I’ve learned are quite a handful. Knowing that the year is about to end and a few months from now, I should already be making a fuss out of the new leaf I’ll be celebrating; I still can’t help but think about how I wanted to live in the new decade that I’m about to breathe in.
Quite plausibly daunting if you ask me. Here are few tranche of lessons:
- There is a huge difference between a Friend and Acquaintances. True friends will just be there regardless if you get to speak with them everyday or just every now and then; they’ll be there to protect you and support you through and through however the acquaintances may fall either under the toxic friendship category (believes in hearsay or shoots you quite blankly) or those whom you can relate and share business ventures with.
- When people hurt or caused you pain, it’s okay to eject yourself away. You can still love them even though you don’t associate with them. No need to speak ill about them either.
- Explore to as much opportunities knocking. Get to know what you really want to do and what specific skill sets you enjoy most improving on. I learned I’m far much better on grounds which includes helping rather than keeping people indebted.
- Associate yourself with doers, optimists and the goal-getter. Their influence is infectious.
- Anxiety can kill and can ruin your peace of mind. Pay your bills on time. Get rid of debt (or if possible, don’t have any) ASAP.
- Invest on the right things: Term insurance, Variable Life Insurance and Health Care. You’ll thank yourself later.
- It’ll be nice to drive a cool car but it’s far much better to be practical. You’ll still get to the destination anyway.
- Stop complaining but rather do something about it. Although it’s okay to ask for the opinion of others, at the end of the day you are ultimately the master of your own happiness, ventures and success.
- ASK. It will never ever hurt to ask especially those who holds expertise in a certain craft you wish to learn from. Not everything can be explained by searching answers on google.
- You’ll commit mistakes. It’s undeniable that you won’t. When that happen, admit and see how you can make up for it.
- Fail Forward. Get up and try again. Don’t take yourself too seriously.
- Set personal guidelines for a reasonable work-life balance before committing to such huge commitments. You know your capabilities and abilities better. Sure, jump into opportunities but never fall for everything. This is imperative.
- Have the courage to fight for your rights (and this my friend, is not nor ever easy) especially when it comes to human rights and the labor code.
- Have a dog. It’ll teach you so many realizations you can’t seem to fathom.
- The best revenge is being happy with your life. Once you’ve found happiness, visit it often.
- Vices are temporary, getting cancer or health concerns is forever. Why start anyway? Live life less complicated.
- Focus on the goal, look into the straight path, keep an eye on the prize and you’ll get there. Regardless. Most of the time, the journey is more rewarding than the destination. Life is a journey.
- Stop talking, start listening and be open to correction. Once you’ve found your mentors, strive and be fueled by their trust in you.
- This must be a cliche but it’s true: Make Plans. If you don’t have a plan, then you are planning to fail. Stick to it. Work it out.
- Make time to reflect and celebrate yourself every now and then. Either you go out for a bike ride, swim, or run every now and then. Have a vacation elsewhere or whatever that makes you at peace away from work obligations and other things. This is your time to rejuvenate
There are quite few more that I would like to share but these falls right for now. You know what the teens say nowadays, YOLO!
With the aim to inspire, motivate and unite Filipinos to move more, move better, Nike We Run MNL (Manila) returns for a third edition on December 1, 2013, as 15,000 runners are expected to take the streets of the historical Marikina City and run the 10km in celebration of the spirit of unity that is significantly Filipino.
“For this year’s race, we have incorporated the personality of the people of the Philippines to motivate and inspire them to lead a more active lifestyle. Filipinos are kindred spirits who, without hesitation, unite for a good cause and help each other. Taking this, we hope that every Filipino runner can inspire and motivate another and run the race together” says Courtney Cole-Faso, Country Marketing Manager, Nike Philippines.
In the spirit of unity, runners must sign up for the race with a “buddy”. This is to encourage runners to constantly motivate each other to achieve their goals in preparation for the 10km race. Nike will organize training sessions in November to help runners prepare for the race. The training sessions will be conducted in various locations around the city, and runners will participate in Nike Training Club, get tips from athletes and get an experience only Nike can bring.
Runners can also prepare for race day through the more than 18 million strong Nike+ community. The new Nike+ Challenges is a feature that allows runners to set a distance goal, invite Nike+ friends to join, and race to the virtual finish line. Users can determine the name of the Challenge, mileage goal, time period and participants. Additionally, a new chat feature allows friends to encourage each other and share tips throughout the Challenge. Runners can stay motivated by checking the live leader board to track progress and see where they rank amongst their friends.
Nike We Run MNL is part of Nike’s global We Run series which is aimed at celebrating, motivating and inspiring athletes from around the world. Manila will be one of 26 cities, with 350,000 runners taking over 3 billion strides during the course of the We Run race series motivated by Nike+ and Nike Running design innovations. Nike’s We Run races range in distance from 5K to a full marathon and reflect the unique enthusiasm of each city. From Sao Paulo, to Seoul, to Singapore, runners will be moved to action through a series of unique experiences. You can also follow the Nike We Run journey through an interactive map online as it passes through each city.
Online and in-store registrations will begin on October 25. Visit www.nike.com/events/register/werunmanila for registration details.
This month’s top 10 list pulls evenly from the worlds of rock and pop. On the former front, you’ve got bands like Bastille, Imagine Dragons, and NONONO. On the latter, you’ve got dancefloor divas like Lady GaGa, Rihanna, and Katy Perry. Somewhere in the middle there are cross-genre collaborations that pair DJs like Zedd and Steve Aoki with rockers like Linkin Park and Paramore’s Hayley Williams.
Here’s the full list, according to votes placed at Run Hundred–the web’s most popular workout music blog.
To find more workout songs, folks can check out the free database at RunHundred.com. Visitors can browse the song selections there by genre, tempo, and era—to find the music that best fits with their particular workout routine.
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When it comes to fitness some of us have an all or nothing philosophy. We either spend hours in the gym or running a marathon (or training for one) or we sit around on the couch and gain weight. Well, doing nothing is not good but I can understand not wanting to prepare every day like you were going to join the Olympics. However there is a happy medium. You can make fitness a part of your lifestyle without having to go overboard. Here are some helpful, and easy, ways you can incorporate fitness into your daily routine:
Change Your Thinking – Your first step towards making fitness a part of your life is to change the way you think about it. Getting fit does not mean hitting the gym for hours or getting a personal trainer. Instead it is about moving more in your day to day life and taking care of your body/ You don’t have to suffer to be fit. Just like going on a crash diet, going crazy with fitness is a sure way to fail. Instead make gradual changes that you can live and be happy with. It takes time to go from blob to buff, but if you work at it a little at a time you can pull it off.
Get Outside –I am a big outdoors person. Being in nature inspires me. It may not be the same for you, but getting your daily dose of vitamin D producing sunshine is a great way to wake up your body and get it ready for movement. Staying outside for just ten minutes a day can help your mind and body to acclimate to the seasons, the temperatures and the climate of your region. The more you are outside the more you learn to relax, breathe deep, and your body prepares itself to get moving. Don’t just stand there. Go watch a sunrise, walk along the beach, climb some trees or whatever else you see to do. Even walking your dog can be a chance to enjoy the outdoors and be active. Then you are hitting two birds with one stone!
One Step at a Time –Every journey starts with a single step, and that includes the journey to becoming fit. If you are so out of shape that you can only walk for ten minutes that is still ten minutes of movement. Work your way up from there. Walk ten then twelve then fifteen. Or walk ten minutes but go further and further in that ten minutes every day. You can break out into a run every three minutes or keep a calm and steady pace. It is all up to you. But by making it something you can do easily it does not seem like as big of a deal and you can come up with a pattern that becomes part of your life. It all starts with one step at a time.
Your Commute –Another great way to incorporate fitness in your life is with your commute. Most of us live within a reasonable distance to our jobs. So why not take this opportunity to avoid traffic and walk or bike to work? Even a distance of a few miles is only slightly longer to bike then to drive, especially in a crowded city. Many cities also have buses that can pick you up half way. Bike into town and then ride the bus to your destination. If that is not doable then get your workout in during lunch. Walk to get your food and then back to the office. Or if you bring your lunch take a walk to a scenic location to eat it. You will feel energized getting out of the office and moving again and your work will probably even improve.
Small Opportunities – Take small opportunities to fit fitness into your days. Take the stairs to get to your office or if you go to a doctor’s appointment and so on. Instead of looking for a place to park close to the grocery store or shop park in the back and walk. Not only will it save you stress but you also get a few more steps in your day that helps you to stay fit. Take a walk with your kids instead of watching television or walk them to school in the morning instead of dropping them off in your car. They need to stay fit too!
Drink More Water –Water is essential for fitness but many of us do not drink enough of it. Instead we load up on empty calories from sodas, juice and alcohol. Avoid these drinks and opt for refreshing water, with a twist of lemon if you would like. By drinking more water you can think better, function better, and you will even learn to crave water instead of sugary drinks. You may lose weight too because we often mistake being thirsty for being hungry and eat more than we should. Drink a glass of water before meals to eat less and digest better!
Eat Balanced –Speaking of meals, you should eat a balanced diet to stay fit. This means more vegetables and fruits and less processed foods and meat. While this can seem like a challenge it is actually quiet simple. When eating out try to keep portions in mind. You can easily split a meal with a friend or save half for another time. Eat off of smaller plates at home so you have less in front of you. Make vegetables your first course and eat them first and you will be less ravenous when the other courses come around. Little things do add up and you can live and eat fit without making big changes you can’t live with.
Movement Breaks –When you are at work or at home, make sure you get up and move if you are sitting for long periods of time. Blood clots, muscle aches and more medical complications can result from sitting still for too long. Even long drives or flights can be bad for you. Get up and move during the day. You can do stretches, jumping jacks, take a walk around the office, hit the stairs or many other activities to get you moving. At home you can do chores like sweeping or raking that get you moving too. It is easy to do once you keep it in mind. Even commercials can be an opportunity to move. Do sit ups or push-ups during the commercials and don’t stop until the show comes back on. By the end of the season you will be really fit!
Stretch and Meditate –Another aspect of fitness that is often overlooked is the mental aspect. Flexibility of mind and body is important for your overall health. I find that taking time in the morning and right before bed to stretch and meditate helps me to stay calm and stress free. By making stretching a part of my routine I remain flexible and it also helps me to slow down and think about my goals for the day. By taking time away from noise and movement you can really think about how you spend your time and the priorities you should havein your life.
Enjoy Your Activities – Last but not least, you should enjoy your physical activities! Zoomba, dancing to music, hiking, biking or running all have fun aspects to them. If you enjoy what you do to stay fit then it is much more likely that you will keep it up. You do not have to be at the gym to be fit. Instead choose something that makes you happy and gets your blood pumping. That is what you will stick with to help you live a healthy lifestyle. If you can find friends to join you who like the same things then you are even more likely to keep it up. Friends can challenge you, help you and keep you on track with your fitness goals.
As you can see, fitness does not have to be a fight. You can make it a part of your lifestyle and stay fit no matter what is going on in your life. Make fitness a habit and you will stay healthy and fit for life!
Rachel is an ex-babysitting pro as well as a professional writer and blogger. She is a graduate from Iowa State University and currently writes for www.babysitting.net. She welcomes questions/comments which can be sent to rachelthomas.author @ gmail.com.
Our food supply is not as healthy as it appears. A vital part of your quest to overcome PCOS is to improve the quality of your diet. To a great extent, “you are what you eat”.
The Natural Society (naturalsociety.com) reported a survey of farmers that asked them what foods they avoid. Their list is below. If a farmer won’t eat them, neither should you.
1) Canned tomatoes. Many cans are lined with a resin containing BPA, which is a hormone disrupter suspected of causing of PCOS. Since tomatoes are acidic, they leach the BPA out of the can and into the contents of your can.
2) Conventional beef. Most beef cattle are fed corn, soy or grain in order to make them gain fat weight. The fat makes the meat taste good and it is more tender. But the saturated fat may contain accumulated pesticides and other chemicals. Go with organic or grass-fed beef if you possibly can. Besides a better quality fat, it has a higher nutritional value.
3) Microwave popcorn. Don’t be fooled into thinking microwave popcorn is a healthy, low-fat snack. The popcorn bags contain perfluorooctanoic acid (PFOA) which may interfere with fertility.
4) Conventional potatoes. Potatoes are among our commercial crops sprayed with pesticides, fungicides or herbicides. Go with organic potatoes.
5) Farmed salmon. Farmed salmon is cheaper than wild. However, farmed salmon are fed with food pellets containing questionable substances, including chicken feathers. Farmed salmon tend to have higher levels of pesticides.
6) Conventional milk. Dairy cows are fed growth hormones and given a variety of other pharmaceuticals in order to maximize milk production. These substances carry through into their milk.
7. Conventional apples. Our orchards are routinely sprayed with pesticides and other chemicals, for the purpose of producing maximum amounts of cosmetically-pleasing fruit. Once again, you are much better off with organic apples. Please remember that there is no “safe” amount of pesticide, just like there is no safe amount of cigarettes you can smoke. Pesticides are not easily flushed out of the body. They are stored in your cells where they do their damage.
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