Aug/100
Healing Powers of Gemstone Spheres
Using gemstone spheres and adding them to your wiccan supplies can be incredibly beneficial for many reasons.
Gemstones in general have many different healing, protection, attraction, and purification based properties that by themselves can be quite potent. When added to your rituals and spells these effects can be two fold.
The benefit of gemstone spheres however are that they are good sized orbs and the energy concentrated within them is amplified. Being circular, gemstone spheres also make excellent tools for diving and divination purposes which will be discussed below.
Gemstone Spheres for Healing Purposes:
Gemstone spheres can have remarkable healing powers. Depending on the type of gemstone you have, or want to get, they all have their own innate abilities that can enhance your own power.
Whether you are looking for healing emotional, mental, or even physical ailments, gemstone spheres can be used to help these issues.
A good way to use a gemstone sphere would be to take the stone and gently roll it around your body slowly going from head to toe. Focus on your forehead, chest, and stomach in particular, but by performing this slow rolling motion will have the gemstone sphere’s energies go into and through your whole body.
This can be done as a prelude to a ritual, during a ritual, after a ritual, or all three depending on what you are comfortable with.
For example, if you were to perform a ritual to heal or purge negativity within and around you, a good stone for this would be the quartz gemstone sphere as quartz is incredibly powerful in eliminating negativity. You would take the quartz gemstone sphere and before you perform your ritual, roll it slowly over your body(ensure it makes direct contact with your skin) and say a prayer as you do so:
“Negativity within, you will leave
You have no more power over me
With this stone I purge you away
In my body you will no longer stay”
The above is just an example you may use, you can create your own if you wish, whatever is comfortable.
Using the gemstone spheres in such a manner is also very soothing and calming. Another idea would be to use them as a massaging tool as well. If you normally perform massages for friends or lovers, you can have them lay on their stomach and you can take your gemstone sphere and gently roll it up and down their neck, back, and legs which will guarantee an even more pleasant massage.
If you or someone you know is suffering from illness such as a cold, flu, or even something more severe, you can take your gemstone sphere and use it’s energies for this as well. Again, rolling the stone over the body is best, you can even have the person who is inflicted with the illness hold the stone as you perform a prayer or ritual for them. With them holding the gemstone sphere directly, they will be able to draw in the stone’s energies directly. One gemstone sphere that is excellent for ailments such as detoxify the liver, lowering blood pressure, fever reduction, speeding up recovery from burns, and can alleviate cramps is the Chrysocolla gemstone.
Divination Uses For Gemstone Spheres:
Gemstone spheres make excellent compliments to your crystal ball, scrying mirror, or pendulum if you use divination.
Many gemstone spheres have the ability to enchance your abilities as you are scrying and diving, so having a gemstone located right next to your crystal ball or scrying mirror can be very beneficial. One such gemstone sphere that promotes psychic awareness, enhances mental powers, and increases strength is Black Amethyst.
As noted, these gemstones can also be used for specific rituals and spells as well, being used as a sole tool or as a compliment tool. If you are performing a ritual for prosperity and to gain more wealth, you can use a Malachite Gemstone Sphere which promotes prosperity, wealth, better business, and to protect the money you already have.
Resources And Information:
If you would like to view various gemstone spheres or wish to add them to your wiccan supplies, you can see a good selection here:
Gemstone Spheres
Aug/100
Equity Indexed Life Insurance
Whole (or permanent) life insurance policies are more than meet the eye. Sure they offer a death benefit that caries through the rest of your life as long as you pay your premium and keep the policy in force, but more than that they offer an additional benefit of premiums accruing into something called cash values. These cash values can grow in a few different ways:
- They can grow at a fixed rate like in a traditional whole life policy.
- They can grow at a variable rate by choosing a sub account to invest them in. Sub accounts in a variable policy may have fixed investments like money markets, they may have stocks, bonds or mutual funds.
- They can grow at a variable rate tracking the returns of a specific index-like the S&P 500 or the Dow Jones Industrial Average.
The third kind of growth is seen in an equity indexed life insurance policy. When you have an equity indexed life insurance policy, your cash values grow as they would in a variable policy but the sub account you choose is created to mimic the performance of a particular index. If that index goes up, then your cash value will likely go up. But if the index goes down, then so will your cash value.
One of the most important things to remember about an equity indexed life insurance policy is that there is no guarantee that you will earn money. Many illustrations for life insurance will show the great amounts of cash that can be accumulated in an equity indexed life insurance policy, but there is always the chance that the index you choose for your sub account will go down in value and will reduce the cash values you accumulate. The great things about equity indexed life insurance policies, however, is that they often have a floor, or minimum amount that you are guaranteed to gain. While this threshold is often significantly less than the fixed rate of return in a traditional life insurance policy, it at least offers some sort of gain while markets are down. On the other hand, there is also often a ceiling or maximum gain you can experience which may be less than the actual increases experienced by the index that you choose.
Aug/100
COBRA Coverage Explained
COBRA is the acronym for a health insurance portability act signed into law during the 1990′s. Thanks to COBRA, if you leave an employer who is providing your group health insurance coverage, you can keep the coverage for 18-36 months even though you no longer really qualify for the group coverage since you are not a member of the group. COBRA is a great benefit to many people-but not every employee who leaves an employer with group benefits should take advantage of COBRA coverage.
COBRA coverage is extremely expensive. If you are someone in relatively good health, who rarely goes to the doctor and has no pre-existing conditions, then COBRA coverage might not be the best use of your financial resources. Instead, you could search for low cost health insurance on an individual basis and get your own policy, not hinged on group participation, that can cover you for a fraction of the cost of a COBRA policy.
For individuals with pre-existing conditions, low cost health insurance is a pipe dream. Not only are premiums expensive for formerly ill individuals, but they may not even approve you at all depending on the risk you present. Or, they may approve you and agree to pay for your medical expenses through your policy while excluding a whole host of expenses that stem from your pre-existing condition. It is then that you are a good candidate for retaining your COBRA coverage. Even if you never go to the doctor, keeping continuous coverage through a program like COBRA is vital because it prevents another group insurance plan from declining to cover your pre-existing conditions (something they cannot do unless you’ve had a break in coverage for 63 days or longer during the past 6-12 months).
So remember, if you are young and in relatively good health, look to a low cost health insurance policy of your own for coverage after leaving a group plan. It will be much less expensive that COBRA and will allow you complete portability since its approval isn’t tied to group participation. If you have a pre-existing condition, be sure to opt for COBRA coverage immediately after leaving your job so that there is no risk of a 63 day or longer break in coverage. No matter what option you choose-make sure you always have some sort of health coverage so that you are not left to fiscally stand alone after an expensive illness or injury.
Aug/100
Various Car Insurance Options Available For Young Drivers
Most insurance companies tread carefully when it comes to providing cheap car insurance for young drivers. The rates are usually higher considering the risks associated with a 17 or 18 year old driving for the first time and the safety of many individuals have to be considered. Also it is widely known that young drivers are highly risk prone and susceptible to accidents.
In order to avoid high premiums associated with these policies, be wise and go through a number of quotes before purchasing any insurance. There are options such as flexible coverage which contain provisions for modifications in premium later on. Policy holders can go in for a lower coverage and further build up on it when they can afford more.
The best way to assess your insurance needs is to contact an insurance agent, especially one who deals with young drivers insurance and follow his advice to lessen the premium and overall cost of car insurance.
Fact is that there are some insurance companies out there who are ready to provide cheap car insurance for drivers considering all the risks present. You need to take time and find them.
Two teenage drivers maybe offered different rates by the same insurance company for simple reasons of their cars being different or one of them has a driving experience of less than 3 years.
Drivers can take advantage of discounts in premiums available for short distance commute to school or work, good grades in school etc. Some teenagers may have undergone a safe or defensive driving course which also entitles them to a discount.
Rule out unnecessary ‘collision’ coverage in case your vehicle is an old and battered type. Monthly withdrawal of premium amounts from your account ensures less billing expenses. You could also consider paying premiums in advance like for a year or six months, again to reduce billing fees.
Some teenage drivers get their cars insured along with their parent’s car insurance to take advantage of multi car discounts. But the feasibility of doing so should be checked out with the parent’s agent and a comparison should be made with the option of the young driver going in for a ‘solo’ policy.
Aug/100
Choosing the Right Auto Insurance Limits
Insurance policies do not supply endless amounts of coverage. In fact, there is a limit to how much all of your insurance policies will pay for an insurable event-including your health insurance, home insurance and auto insurance. These caps are called limits and they protect your insurance company from committing an endless supply of dollars toward the reimbursement of your insurance incidents.
Imagine how difficult it would be to develop car insurance rates if you had no idea how much you might possibly have to spend on a particular accident. It would be almost impossible. From medical expenses to emotional damages, from property damage to auto damage-there is no end to the amount of money you could be responsible for without limits to your benefit set.
When you get your car insurance quotes and rates, you are asked to decide what kind of limit you want on your policy. The lower the limit you choose the less the insurance company knows it will have to spend per insurable interest-and that means the lower the rates you are quoted. But if you choose a limit that is too low in your eagerness to get cheap auto insurance rates then you run the risk of hurting yourself. Why? Well what do you think happens if it costs more to fix your car after an accident than the limit in your policy provides? That’s right-you have to pay it out of pocket. Any expense that exceeds your limit must be paid by you and if you don’t have the funds available then you run the risk of having your car in the shop and unrepaired much longer than you intended.
For guidance on limit setting, check with your mechanic to get an idea of repair and replacement costs for your car. Also, check with your insurance company to see if they have any data that will give you the average amounts for claims of various natures in your state. Lastly, make sure the limit you choose looks like one that will cover the bulk of any accident or insurable event and doesn’t seem like it will leave you paying out-of-pocket beyond your deductible.